Search found 855 matches

by lostdog
Thu Apr 26, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Financial Freedom
Replies: 18
Views: 1653

Re: Financial Freedom

My strategy: 1) Save half your after tax income 2) Invest it all in VT 3) Retire with an adjustable 4% withdraw rate (adjustable meaning 4% of current portfolio value, not starting value) after hopefully 15ish years. Keep it all in VT. 4) If you get a 50% crash, reduce your budget and work at McDon...
by lostdog
Thu Apr 26, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: When the market crashes...
Replies: 23
Views: 2080

Re: When the market crashes...

Always have some cash on hand in case of big sales on Wall Street. if you are bonehead BH who don't believe market timing, just put all your money into a your target AA and take your emotion away from investing. Kathy's, Don't market time. Keep investing no matter what. Time in the market is better...
by lostdog
Wed Apr 25, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Another Warren Buffett S&P 500 Recommendation
Replies: 61
Views: 4967

Re: Another Warren Buffett S&P 500 Recommendation

If Mr. Buffett or Mr. Bogle turn out to be wrong regarding their US-centric view of investing, are they going to reimburse their adherents for losses or the difference between what they might have earned in a more diversified approach to investing? If you turn out to be wrong regarding your diversi...
by lostdog
Mon Apr 23, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8462

Re: Boglehead Philosophy Open To Change?

Nisiprius & T. I've analyzed the portfolio's or funds that the FIRE community uses. Same thing, you have a mix of funds... Some people really have a grasp on what their doing & others don't. One of my favorite bloggers (Millennial Revolution) use a 60/40 Balanced Fund. Other FIRE people use individ...
by lostdog
Mon Apr 23, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 5765

Re: Floating Net Worth w/ VT after 5 Years

I guess the question is what do you value more? Cost or more simplicity with extra cost?
by lostdog
Mon Apr 23, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8462

Re: Boglehead Philosophy Open To Change?

Nisiprius & T. I've analyzed the portfolio's or funds that the FIRE community uses. Same thing, you have a mix of funds... Some people really have a grasp on what their doing & others don't. One of my favorite bloggers (Millennial Revolution) use a 60/40 Balanced Fund. Other FIRE people use individ...
by lostdog
Mon Apr 23, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 5765

Re: Floating Net Worth w/ VT after 5 Years

I wish Vanguard would open up an Admiral Shares class for Total World. That would make getting 100% on board an easier decision. Does anyone know why total world has less stocks than if you combine total us and total international? This, and the expense ratio difference is why I'm not actually in V...
by lostdog
Sun Apr 22, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 5765

Re: Floating Net Worth w/ VT after 5 Years

Since it opened in 2008, I've invested in total world (in the old fashioned mutual fund form) as my core stock holding. I have reasons, but they're very different from the OP's. I have no predictions of US decline, relative or absolute. Stocks may hedge inflation over the long term, but I think the...
by lostdog
Sun Apr 22, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8462

Re: Boglehead Philosophy Open To Change?

gmaynardkrebs wrote:
Sun Apr 22, 2018 4:14 pm
lostdog wrote:
Sun Apr 22, 2018 4:01 pm
Open to change? Nothing I can think of so far. It works for me. It help me land to my final destination of simplicity. Even in life.
What does "never time the market" mean to you?
It means time in the market is better than timing the market.
by lostdog
Sun Apr 22, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8462

Re: Boglehead Philosophy Open To Change?

Open to change? Nothing I can think of so far. It works for me. It help me land to my final destination of simplicity. Even in life.
by lostdog
Sun Apr 22, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 263
Views: 15920

Re: KF's simple rules to achieve FI

How would you calculate savings rate with pretax money combined with after tax money? Do everything by gross: Pretax Dollars Saved + Pretax Match + After Tax / Gross Income + Match = savings rate. or if you like KF's formula, Total Dollars Saved / Total Dollars Spent = your savings ratio. You want ...
by lostdog
Sun Apr 22, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 263
Views: 15920

Re: KF's simple rules to achieve FI

How would you calculate savings rate with pretax money combined with after tax money?
by lostdog
Sat Apr 21, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 5765

Re: Floating Net Worth w/ VT after 5 Years

I only use VTWSX/VT. It's the most bogleheadish fund there is. No home country bias, no guessing what is the best domestic and international allocation and mostly simplicity.

Buy the haystack.
by lostdog
Sat Apr 21, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 988149

Re: What Movie Have You Recently Watched?

I went to see Black Panther on Tuesday night. $5 on Tuesday nights. It was good but I am not sure what all of the hype is about.
by lostdog
Sat Apr 21, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 263
Views: 15920

Re: KF's simple rules to achieve FI

Klang,

You're right about the 4 big purchases. I made big mistakes buying new cars early on in my career. Had I avoided that mistake I would have more wealth. Luckily I caught it early enough.
by lostdog
Sat Apr 21, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: The Two Fund Portfolio
Replies: 34
Views: 4635

Re: The Two Fund Portfolio

Hi Rick, I pay the .19 expense ratio and use VTWSX across all my retirement accounts and taxable account. The .19 is worth it to me because it will deter me from taking action and adjusting the domestic and international allocation every time an international thread appears on this forum. I also pa...
by lostdog
Sat Apr 21, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 94
Views: 9870

Re: New retirees: so whatdayathink ?

I am 42 and so far retired. I might go back part time but enjoying getting up and going to the gym every morning for a few hours. I am in so much better shape compared to when I was working. It feels like physical fitness is my new job and I enjoy it so much. When it gets warm I'll bike to the gym a...
by lostdog
Sat Apr 21, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 30
Views: 1887

Re: Car for 23 year old

My vote would be a corolla or civic, you should be able to get into a newer model under 60K miles for that price. +1. This is great advice. Both cars are rock solid and will last forever. I have a 2011 corolla. I have zero issues with it. Just make to to take good care of it and follow the manual's...
by lostdog
Sat Apr 21, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Lending Club Investing
Replies: 26
Views: 2169

Re: Lending Club Investing

Toons wrote:
Sat Apr 21, 2018 8:56 am
Stick To Index Funds.
Watch the paint dry,



:mrgreen:
+1
by lostdog
Sat Apr 21, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: wash sale for IRA?
Replies: 6
Views: 416

Re: wash sale for IRA?

So you're giving up in international? What if it does better this year? Will you change back?
by lostdog
Sat Apr 21, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Want to be 100% in stock index funds ,
Replies: 31
Views: 2805

Re: Want to be 100% in stock index funds ,

Total World Stock Index Fund and an allocation in bonds that will last for a few years of a bear market.
by lostdog
Sat Apr 21, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 34
Views: 2841

Re: Negotiating for a new Toyota.[my fault comparing apples and oranges]

I really love the new design of the RAV4. Bravo Toyota.

Toyota=rock solid cars.
by lostdog
Sat Apr 21, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: The Two Fund Portfolio
Replies: 34
Views: 4635

Re: The Two Fund Portfolio

Great! Ill look forward to it. If I may, other than being an etf why does it matter VT vs VTWSX? Just ER? Yes. The fee difference is about 0.09%. Not huge, but something to consider. Rick Hi Rick, I pay the .19 expense ratio and use VTWSX across all my retirement accounts and taxable account. The ....
by lostdog
Fri Apr 20, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 263
Views: 15920

Re: KF's simple rules to achieve FI

Great post. Haven't thought of it that way.
by lostdog
Fri Apr 20, 2018 9:07 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24653

Re: Post your Financial Milestone Announcements Here

Hi Bogle heads, Myself and the wife have also hit a big milestone as well my networth as it stands today is about 2,000,000. About a decade ago back in 2009 I had a networth about -450,000 :shock: . The majority of that about 487,000 for a practice note for a start up dental office and 475K home mo...
by lostdog
Fri Apr 20, 2018 9:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24653

Re: Post your Financial Milestone Announcements Here

trueson1 wrote:
Thu Apr 19, 2018 10:36 am
Just passed $1.5M yesterday. Maxing out 401K, Mega Back dooring Roth- saving 42% of gross and gliding to retirement in less than 3 years. WaHOO! Thanks BHs!
Nice!! Keep it going!
by lostdog
Fri Apr 20, 2018 9:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24653

Re: Post your Financial Milestone Announcements Here

paid off car loan, last consumer debt maxed out wife's 401k nearly maxing out my 401k/457 combo ( of 18500 for the year combined, not 18500 each, that will be next year) 6 months EF all done since Jan after getting more serious with our finances at end of year plan is to max the HSA lump sum since ...
by lostdog
Fri Apr 20, 2018 8:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24653

Re: Post your Financial Milestone Announcements Here

jehovasfitness wrote:
Thu Apr 19, 2018 10:04 am
just paid off our last student loan.

leaving us with only our mortgage as far as debt goes.
Grats!!!! :sharebeer
by lostdog
Fri Apr 20, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 85
Views: 11769

Re: What online bank do you use?

Local credit union with free checking and no minimum balance. For cash/emergency I use Vanguard Prime Money Market. A quick ACH transfer between the credit union and Vanguard.
by lostdog
Fri Apr 20, 2018 8:18 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 124
Views: 11914

Re: Why International again?

here's a good reason: it's called the "randomness of global equity returns" page 40 of the DFA matrix book 2017: https://www.ifa.com/pdf/matrix%20book%202017.pdf what do you see? That's right. The good 'ol USA was only the top dog once since 1997 (in 2014 to be exact). All other years, there was so...
by lostdog
Thu Apr 19, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 124
Views: 11914

Re: Why International again?

here's a good reason: it's called the "randomness of global equity returns" page 40 of the DFA matrix book 2017: https://www.ifa.com/pdf/matrix%20book%202017.pdf what do you see? That's right. The good 'ol USA was only the top dog once since 1997 (in 2014 to be exact). All other years, there was so...
by lostdog
Thu Apr 19, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with Mr Cooper
Replies: 16
Views: 3096

Re: Paying off mortgage with Mr Cooper

grettman wrote:
Thu Apr 19, 2018 4:25 am
CONGRATULATIONS on paying off your home. Job well done.
+1 I second this. Not many people can do this. Great job!!!!
by lostdog
Wed Apr 18, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10908

Re: Quitting job - what to do if getting walked to the door

All great advice. My only advice is to remember that HR is not your friend.
by lostdog
Wed Apr 18, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5214

Re: I want to pay off my mortgage. Am I crazy?

Borrower is slave to the lender. Pay it off.
by lostdog
Wed Apr 18, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6428
Views: 1379274

Re: U.S. stocks in freefall

International today :)
by lostdog
Wed Apr 18, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4333

Re: PC laptops

If all you do is surf and email get a Chromebook. They're rock solid and Google updates the OS quite frequently. They're very secure also. The Google drive and office apps are great too.
by lostdog
Wed Apr 18, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9403

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I absolutely understand feeling shocked by the size of the bill and not wanting to pay all of it, but if an unexpected $2800 expense really throws your whole financial situation out of whack it may be time to take a step back and look at the whole picture. Did you have an Emergency Fund? How much o...
by lostdog
Mon Apr 16, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 56
Views: 5453

Re: Cash instead of bonds?

By buying the S&P 500 only, you're (currently) avoiding about 64% of world companies by capitalization. So you're making a bet on US large-cap out-performance. Do you specifically want to make such a bet? If not, then consider the VG Total World Stock Fund, or equivalent two-fund portfolio. If you ...
by lostdog
Sat Apr 14, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 5695

Re: Could you support family on 1 income?

We had to go on 1 income when I got sick. It was easy because we were LBYM anyway. I am recovered and taking the opportunity to find out what I can do for work that I am passionate about. I was a systems engineer in IT. Very high stress and on call. I don't have e to go back to that and looking forw...
by lostdog
Sat Apr 14, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Video Recommnding World Market Cap Weight
Replies: 4
Views: 538

Vanguard Video Recommnding World Market Cap Weight

Here is a video of Vanguard actually recommending world market cap weight for equities. They recommend atleast 40% because of investor unease. Do you think at some point Vanguard will get to world market cap weight percentage in their Target Retirement and Life Strategy funds? https://www.youtube.co...
by lostdog
Fri Apr 13, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Where to hold funds for future Roth contribution?
Replies: 18
Views: 949

Re: Where to hold funds for future Roth contribution?

Or when you get paid send a portion of your paycheck to the roth account. Kind of like DCA into your roth but from your paychecks. Setup an automatic investment on the Vanguard site. Just like 401k contributions from your paycheck but it will ACH form your checking.
by lostdog
Thu Apr 12, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Where should I put 25K that is gifted to me?
Replies: 9
Views: 705

Re: Where should I put 25K that is gifted to me?

billfromct wrote:
Wed Apr 11, 2018 8:33 pm
The Vanguard Prime Money Market Fund pays 1.76% now.

This may be a good alternative while you decide what to do with the money.

bill
+1
by lostdog
Wed Apr 11, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 62082

Re: Netflix, Your Current Favorite Show

I am currently watching The Punisher. So far it's good.
by lostdog
Wed Apr 11, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investing
Replies: 24
Views: 1815

Re: Emergency Fund Investing

Vanguard Prime Money Market or Vanguard Federal Money Market.
by lostdog
Tue Apr 10, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Question
Replies: 5
Views: 166

Re: Wash Sale Question

Unfortunately, yes. I had a similar situation when filing my 2016 return. Since the repurchased shares were in a tax-advantaged account, this is a little less complex because you don't have to re-adjust the cost basis of those shares. But that also means that don't get the advantage of adjusted cos...
by lostdog
Tue Apr 10, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Question
Replies: 5
Views: 166

Re: Wash Sale Question

Artsdoctor wrote:
Tue Apr 10, 2018 4:23 pm
Yes, it would be considered a wash sale:

https://www.investopedia.com/articles/r ... e-rule.asp

Bummer. I'll have to redirect it to the sweep account within the roth for the time being.

Thanks
by lostdog
Tue Apr 10, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Question
Replies: 5
Views: 166

Wash Sale Question

I sold some shares in my brokerage account to fund our emergency fund. I took a small loss on the sale. My wife does a bi-weekly contribution to her Roth account. The contribution is to the same fund that I sold in the brokerage account. We're married and file jointly. Will this be a wash sale when ...
by lostdog
Mon Apr 09, 2018 1:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 79
Views: 10242

Re: Too much Bogleheads.org?

A successful index fund investor goes through four phases: 1) Darkness - takes advice from everyone; 2) Enlightenment - realizes a market return is superior to their return; 3) Complexity - overdoing everything to find optimal; 4) Simplicity - invests in a few total market funds Dear OP, You’re in ...
by lostdog
Mon Apr 09, 2018 8:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 79
Views: 10242

Re: Too much Bogleheads.org?

I do it for the Camaraderie. If I try to speak of this to my friends, family or other people it's like talking to a wall.
by lostdog
Sat Apr 07, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11433

Re: What is your AA, given your age? and, Why?

I'm 41, wife is 43. Our allocation is 100% stocks : 0% bonds. We've stuck to that allocation since we started saving seriously in 2006. We plan to stick with it till we die. Our reasons for doing so: - Stocks will almost certainly outperform bonds by a huge margin over horizons longer than 30 years...