Search found 470 matches

by blaugranamd
Tue Apr 03, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 6982

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

Also, if you keep extra cash the market my go up 30% then correct back 10%. In this case you would be up 20% if you just stayed in from the beginning. The dip in this case does not look as good. Like you hear around here, "It's all about time in the market not timing the market." This. I do not try...
by blaugranamd
Tue Apr 03, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Random Walk on Sale
Replies: 14
Views: 1892

Random Walk on Sale

For those that haven't read it, "A Random Walk Down Wall Street" is on sale for E readers for $2.99

https://slickdeals.net/f/11431787-rando ... ntsSection
by blaugranamd
Fri Mar 30, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy? Military Doc. What would you do?
Replies: 46
Views: 3127

Re: Rent or Buy? Military Doc. What would you do?

Thank you for all of the great advice. To follow-up with some of the thoughts: Agree with all of the above. Rent. I also, importantly, didn't see anything about having a down payment. As a fellow military physician, 5 to 6 years could be optimistic for a single time on station unless you're in a su...
by blaugranamd
Thu Mar 29, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy? Military Doc. What would you do?
Replies: 46
Views: 3127

Re: Rent or Buy? Military Doc. What would you do?

Agree with all of the above. Rent. I also, importantly, didn't see anything about having a down payment. As a fellow military physician, 5 to 6 years could be optimistic for a single time on station unless you're in a subspecialty that has very few locations. I've had colleagues who had to PCS afte...
by blaugranamd
Thu Mar 29, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy? Military Doc. What would you do?
Replies: 46
Views: 3127

Re: Rent or Buy? Military Doc. What would you do?

Agree with all of the above. Rent. I also, importantly, didn't see anything about having a down payment. As a fellow military physician, 5 to 6 years could be optimistic for a single time on station unless you're in a subspecialty that has very few locations. I've had colleagues who had to PCS after...
by blaugranamd
Sun Mar 25, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Funding 529 Account
Replies: 14
Views: 1090

Re: Funding 529 Account

$1k/month @ 5% return x 18 years = $340k for college? :shock: Damn that's being prepared I suppose.
by blaugranamd
Sat Mar 24, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Technical Analysis vs. Don't Try To Market Time
Replies: 28
Views: 1897

Re: Technical Analysis vs. Don't Try To Market Time

I avoid buying at very high levels. Technical indicators give you at least that much data. A strategy could be to hold back some money for buying on significant dips. still not a good idea. Pull up the chart for VTSAX (VG TSM) for the last 5 years. If you didn't buy at "all time highs" you would es...
by blaugranamd
Sat Mar 24, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Technical Analysis vs. Don't Try To Market Time
Replies: 28
Views: 1897

Re: Technical Analysis vs. Don't Try To Market Time

I know I can't beat anything, I know it. But there IS a bad time to buy, especially to put a huge amount of money in. Can we rely on technical analysis to help us see this? Take a step back and see he contradictions, if we could rely on technical analysis to see when a "bad time" to buy is with a "...
by blaugranamd
Fri Mar 23, 2018 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 10179

Re: Losing friends/family when wealthy

As I've aged, I found I have less friends overall. I only have time for about 5 friends and everyone else has fallen by the wayside. I don't think it's related to your investments, as you seem to practice stealth wealth. Correlation is not causation - it could just be the nature of things as we age...
by blaugranamd
Fri Mar 23, 2018 5:17 am
Forum: Investing - Help with Personal Investments
Topic: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!
Replies: 43
Views: 2141

Re: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!

My first IRA was with USAA until I realized their mutual funds were overpriced and had poor index options. Move on.
by blaugranamd
Thu Mar 22, 2018 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Recharacterizing TSP contributions?
Replies: 5
Views: 527

Re: Recharacterizing TSP contributions?

Just started wondering if I can recharacterize some of my TSP contributions from 2017. Put everything into Roth for last year. Turns out we were about $1k over the child tax credit. Is this even possible to adjust to some traditional deductions so I can claim the credit? The child tax credit phase ...
by blaugranamd
Wed Mar 21, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterizing TSP contributions?
Replies: 5
Views: 527

Re: Recharacterizing TSP contributions?

No, your TSP contribution type for 2017 cannot be changed. Future TSP deferrals can be adjusted between pre tax and Roth by completing Form TSP 1, so you can prevent this from reoccurring in 2018. We'll be well out of reach for the child tax credit this year, thankfully. Appreciate the responses th...
by blaugranamd
Wed Mar 21, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterizing TSP contributions?
Replies: 5
Views: 527

Recharacterizing TSP contributions?

Just started wondering if I can recharacterize some of my TSP contributions from 2017. Put everything into Roth for last year. Turns out we were about $1k over the child tax credit. Is this even possible to adjust to some traditional deductions so I can claim the credit?
by blaugranamd
Fri Mar 16, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3215

Re: Which Day Hiking Trails Do You Recommend?

Hanakapiai Trail on Kauai since you've done Hawaii before. Big Bluff trail in the Ozarks once you get to the bluff was phenomenal. Hanakaipai Trail is fantastic. I believe the round trip hike to the waterfall and back is about 4-5 hours depending on conditions. I haven’t experienced many of these o...
by blaugranamd
Fri Mar 16, 2018 5:49 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3215

Re: Which Day Hiking Trails Do You Recommend?

Hanakapiai Trail on Kauai since you've done Hawaii before. Big Bluff trail in the Ozarks once you get to the bluff was phenomenal.
by blaugranamd
Fri Mar 16, 2018 5:44 am
Forum: Investing - Theory, News & General
Topic: Federal court tosses out fiduciary rule
Replies: 60
Views: 6292

Re: Federal court tosses out fiduciary rule

JBTX wrote:
Fri Mar 16, 2018 12:33 am

Judge Edith Jones.....hmmm....
Is that Edward Jones' wife?
by blaugranamd
Fri Mar 16, 2018 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 187
Views: 18679

Re: Those with high savings rate: why?

FIRE and I don't have a need to spend most of what I save.
by blaugranamd
Tue Mar 13, 2018 5:32 am
Forum: Investing - Theory, News & General
Topic: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?
Replies: 69
Views: 9389

Re: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?

I have always wondered if Berkshire Hathaway was a bit of a self fulfilling prophecy: owns billions in investments, Buffet is highly regarded so when he says things people follow suit that increases demand and price for investments, Buffet looks like a genius. :confused
by blaugranamd
Tue Mar 13, 2018 5:25 am
Forum: Investing - Theory, News & General
Topic: TSP bonds?
Replies: 92
Views: 6670

Re: TSP bonds?

As others have said, G fund offers security that no other fund can. If the lower returns bug you adjust your AA rather than what fund you use. In my very simple opinion, bonds are there to provide stability and security and the G fund does that well.
by blaugranamd
Sat Mar 10, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4388

Re: Men's Cologne

On behalf of all the people who share elevators, or sit next to you on airplanes and at concerts, I make a request: whatever scent you choose for your private enjoyment, please don't wear the stuff in public places. Aroma of chemical men overwhelms our shared spaces. I think part of the trick is ho...
by blaugranamd
Sat Mar 10, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4388

Re: Men's Cologne

Banana Republic Black Walnut is my favorite . Close second is Dolce & Gabbana The One. I think both work well as business to business casual scents and are fairly understated. Also have D&G The One Gentleman an Polo Blue, those are a bit more aromatic/potent and classy, IMO. The banana republic is t...
by blaugranamd
Sun Mar 04, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2967
Views: 915115

Re: What Book Are You Currently Reading? Part VI

Call me Ishmael. You may remember my earlier comments about my voyage through Melville’s Moby-Dick (his hyphen). This Is an update. Another update -- I finally finished. It was a long and impressive voyage. One has to admire Melville's craft. One could go into the social implications of 19th centur...
by blaugranamd
Sat Mar 03, 2018 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Looking for guidance on my investments and financials
Replies: 27
Views: 1722

Re: Looking for guidance on my investments and financials

Also, bear in mind you do NOT need to have all types of funds in all your accounts.
by blaugranamd
Sat Mar 03, 2018 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA questions regarding Schwab funds - new investor
Replies: 7
Views: 549

Re: Roth IRA questions regarding Schwab funds - new investor

Agree with all the above. Target Date Index forever or until you know why you want to buy different mutual funds. If you just opened your first Roth IRA then congrats! As posted above tell Schwab to characterize any/all contributions until April for 2017 so you have the option to maximize your avail...
by blaugranamd
Fri Mar 02, 2018 6:43 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 56
Views: 9919

Re: <gulp> Expensive mistake

Much ado about nothing here. I merely suggested TSP is an abbreviation used often enough to not need explanation +1 (+1 is a commonly accepted abbreviation used on internet forums to indicate agreement with the quoted poster. Occasionally one sees it used in conjunction with ^^^^ without an attache...
by blaugranamd
Thu Mar 01, 2018 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Looking for guidance on my investments and financials
Replies: 27
Views: 1722

Re: Looking for guidance on my investments and financials

if I want to take a more passive approach should I just put everything into a single target 2050 fund then? I think the expense ratio on it (net) is 0.71%. I think for the Roth IRA I can do this without tax consequences but might pay some tax on my individual account. I had some in the S+P index an...
by blaugranamd
Wed Feb 28, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for guidance on my investments and financials
Replies: 27
Views: 1722

Re: Looking for guidance on my investments and financials

I know your main question is about expense ratios. IMO opinion an expense ratio of greater than about 0.2 is too high. You have better options. But really I think you have more important issues to tackle. I don't mean to judge in haste, but it appears that you chose your investments without much of...
by blaugranamd
Wed Feb 28, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for guidance on my investments and financials
Replies: 27
Views: 1722

Re: Looking for guidance on my investments and financials

Your portfolio looks a lot like the first one I bought: lots of funds that seem like a good idea and diversified but not really any sounds rationale to why you have chosen so many different funds or why you have particular percentages allocated to each. At this point it's more than are you paying to...
by blaugranamd
Tue Feb 27, 2018 9:03 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 8743

Re: "Bogleheads.org" by Kristine Hayes"

Using abbreviations and acronyms sometimes becomes a sign of being part of the "in crowd". There is an element of arrogance and showing off just like a kid learning how to ride a bike and saying "Look Ma- no hands". What is this "Ma" you reference? Is that short for Master of Arts degree? Massachus...
by blaugranamd
Sun Feb 25, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 25
Views: 4937

Re: Two- Factor Authentication at Vanguard

I had a lot of issues getting USAA to pull account info using the Yubikey 2FA. The SMS version works just fine though.
by blaugranamd
Sat Feb 24, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Home Warranty Paid by the Seller
Replies: 17
Views: 1209

Re: Home Warranty Paid by the Seller

Thank you. How much $$ to ask as cash credit? It's not a big home (under 2300 square feet), one story house. BHs, pay attention to the OP postings. They're asking for recs on $$$ to ask for instead and everyone just keeps blindly ranting about home warranties... I'd ask for the amount they were wil...
by blaugranamd
Sat Feb 24, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity International Index Funds
Replies: 3
Views: 564

Re: Fidelity International Index Funds

I carried the investor shares version of FSIVX until I realized the FTIPX index was broader. Converted to FTIGX and got upgraded to and hold FTIPX currently. Most likely you're splitting hairs on this decision. All is in my Roth IRAs.
by blaugranamd
Sat Feb 24, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 7347

Re: Staying Motivated: How do you ward off hopelessness?

Read up on Roman Stoic philosophy. Has helped change how I view a lot of things in life and some of them things espoused in this thread are covered. A Guide to the Good Life: The Ancient Art of Stoic Joy: William B. Irvine, James Patrick Cronin ... https://books.google.com/books/about/A_Guide_to_the...
by blaugranamd
Sat Feb 24, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Maui and what other island?
Replies: 35
Views: 2919

Re: Maui and what other island?

Been to Kauai and Big Island. Depends on what you want: Kauai is more relaxed though hiking the Napali coast and Wiamea canyon are a blast. Big Island has the most unique adventure experiences, IMO. Look into things to do on both and see what entices you more. www.lovebigisland.com has a lot of grea...
by blaugranamd
Sat Feb 24, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: TSP - How to get better international coverage
Replies: 12
Views: 1075

Re: TSP - How to get better international coverage

Your alternative is to not hold the I fund at all and hold a total international fund that includes EM/Small Caps such as FTIPX or VTIAX. The difference in expense ratios becomes negligible: 0.1% vs 0.033%. Personally, I already had TISM in my Roth so I kept it along with the I fund in my TSP. I fig...
by blaugranamd
Sat Feb 24, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: TSP - How to get better international coverage
Replies: 12
Views: 1075

Re: TSP - How to get better international coverage

Just also remember that the enemy of a good plan is a great plan. Ensuring you have a portfolio that exactly replicates a TISM fund probably isn't gonna perform significantly different than just holding the I-fund as you international holdings. Currently your TSP is 30% of your portfolio with roughl...
by blaugranamd
Fri Feb 23, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 8743

Re: "Bogleheads.org" by Kristine Hayes"

Can we just put an abbreviations link to Wiki on the header of every page and be done with this debate already? Seriously easy solution... Love the replies in this thread: "I want to manage my OWN million dollar portfolio that will shape the foundation of the last 20-40 years of my life but I'll be ...
by blaugranamd
Thu Feb 22, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 56
Views: 9919

Re: <gulp> Expensive mistake

I guess I just typed it into the wrong box on the transfer page... 10 months ago. I would check investment accounts more frequently, once a month perhaps. The recommendation you sometimes see on the forum, "not to peek", is really terrible, awful advice. Mistakes happen, sometimes mistakes you are ...
by blaugranamd
Wed Feb 21, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 56
Views: 9919

Re: <gulp> Expensive mistake

I also had no idea what funds the OP was talking about. Am I correct in thinking that the OP missed the stock market run up this year, but did not actually lose money, except perhaps with regard to inflation? While I agree with the premise that non-intuitive acronyms are annoying, it takes about 5 ...
by blaugranamd
Wed Feb 21, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 56
Views: 9919

Re: <gulp> Expensive mistake

What is the TSP and F fund? Non-intuitive acronyms are ubiquitous on this forum. While that's often true, I don't think this is a good example. TSP and F fund are only slightly less commonly known than 401k and TBM, which I think are fair game. While I can't run the exact numbers on my phone right ...
by blaugranamd
Thu Feb 15, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Three Fund Portfolio Excluding TSP?
Replies: 28
Views: 2809

Re: Three Fund Portfolio Excluding TSP?

FWIW, rebalancing in the TSP is about as easy as it gets. Takes about 2 minutes to do the math on your own once a year then you literally pull up the page, type in your desired allocation and it's done automatically.
by blaugranamd
Fri Feb 09, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13579

Re: "The stock market is officially in a correction... here's what usually happens next"

I put about 30k in my portfolio mid January (about 30% of my total taxable investment), wasn't a great timing! I still have cash that I plan to invest (about 75k). What would you do? Lump sum now or DCA over the next few weeks? Stay the course, stick to your plan. See how insignificant "Black Monda...
by blaugranamd
Fri Feb 09, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13579

Re: "The stock market is officially in a correction... here's what usually happens next"

I have a pile of cash (about 200k remaining) that I was DCA'ing into my robo-advisor taxable account, first week of each month - so I just did that (50k) Monday. I'm trying to decide if I should not wait until the first week of March for the next tranche and instead dump another 50k in now. This (m...
by blaugranamd
Wed Feb 07, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 2742

Re: Best BBQ in Austin

NoGambleNoFuture wrote:
Tue Feb 06, 2018 10:02 pm
Salt Lick is fantastic. (If you have time to drive to Driftwood, order family style, and enjoy all you can eat brisket, sausage, ribs, beans, potato salad, pickles, onions, and bread)
+1, drove up to Driftwood while in San Antonio just to eat here and was not disappointed.
by blaugranamd
Mon Feb 05, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Being a Disciplined Investor - How do you avoid temptations?
Replies: 41
Views: 2850

Re: Being a Disciplined Investor - How do you avoid temptations?

bg5 wrote:
Mon Feb 05, 2018 9:20 am
I am always keeping a close eye on Apple, Stryker, Amazon and many others.
Stop this. If you know you're not supposed to/planning to buy anything, then quit watching. Avoid the temptation by not exposing yourself to it.
by blaugranamd
Sat Feb 03, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 47200

Re: Today was a Really Bad Day

I just checked my portfolio, looks like I have the same number of shares I did yesterday. Haven't lost anything. What's all the fuss about?
by blaugranamd
Fri Jan 26, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 5704

Re: What will you do with your tax refund?

whodidntante wrote:
Thu Jan 25, 2018 1:47 pm
mega317 wrote:
Thu Jan 25, 2018 1:36 pm
I would use a refund to better understand my tax situation so that I can avoid a refund in the future.
Same here.
After getting like $4k back last year o adjusted our withholdings trying to do this. May have overshot a bit and owe $2k ish. I guess that's why we have savings though.
by blaugranamd
Sat Jan 20, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Military TSP Question
Replies: 9
Views: 971

Re: Military TSP Question

Just confirming they do cut it off. Makes for a nice December check when nothing is taken out. Don't let that happen if you are getting a match (under the new Blended Retirement System, or as a civilian under FERS); if you don't contribute in the last pay period, you won't get the match. Good to kn...