Search found 2070 matches

by ofcmetz
Thu Feb 04, 2016 5:10 am
Forum: Investing - Theory, News & General
Topic: Make your retirement money last
Replies: 36
Views: 7441

Re: Make your retirement money last

It has been awhile since I've read a personal finance book. Looks like I've found one to order for my Kindle. Thanks for the heads up Larry.
by ofcmetz
Tue Jan 26, 2016 5:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 3645

Re: Happy Birthday Taylor!

I feel like I'm a day late. Either way, I'd like to wish you a happy 92 Birthday. Here is to going strong through age 100. You have many good posts on bogleheads to come. :sharebeer
by ofcmetz
Thu Jan 21, 2016 4:21 am
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 6937

Re: What was your % pay raise?

Only rank promotions got raises last year. 90% of our department didn't get promoted and got 0% due to state budget issues.
by ofcmetz
Wed Jan 20, 2016 4:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard Overwhelmed!
Replies: 24
Views: 5478

Re: Vanguard Overwhelmed!

I saw the same message when I logged on to deposit some money into a ROTH IRA. We have two ROTH IRA's with Vanguard, but have never actually needed to call them about anything. Everything has been done online. I do like that they are at least informing people of the extra call volume. I do not think...
by ofcmetz
Wed Jan 20, 2016 4:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2670
Views: 529694

Re: U.S. stocks in freefall

I just got off work and am watching Bloomberg. It's looking like things may be down big again today. $692 from my Friday paycheck is getting deposited in my 457B account today so that's something. I plan on following my IPS still and hope you guys can as well. Another big move down and I'll be rebal...
by ofcmetz
Sat Jan 16, 2016 2:10 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 80
Views: 7732

Re: It sure looks like a good time to invest in oil

Total Stock Market Index has 6.5% in Oil & Gas. +100 On this I agree, 6.5% is good enough for me! Heck, I would have considered that a double position, just buy Total Stock and it rebalances automagically!!! :wink: I agree. I feel like I have been buying oil stocks on the decline for the past y...
by ofcmetz
Sat Jan 16, 2016 2:03 pm
Forum: Investing - Theory, News & General
Topic: Fortune: Stock Tumble: If You're Reading This It Is Not Too Late
Replies: 23
Views: 4007

Re: Fortune: Stock Tumble: If You're Reading This It Is Not Too Late

I could just as easily generalize and stereotype based on some threads here by saying that bogleheads cheer market declines and buy on every drop in equity values.
by ofcmetz
Fri Jan 15, 2016 6:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2670
Views: 529694

Re: U.S. stocks in freefall

Learn to control the things you can control and forget about the rest. You can't control the market, but you control how you react to it. This too shall pass. Well said. Having watch my investments drop in August and then recover, causes this to not bother me as much for some reason. I can't imagin...
by ofcmetz
Fri Jan 15, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10679

Re: Who's buyin' today?

I bought small cap index, total us stock index, and total international index. It was a payday for me, and I also moved a small amount of fixed income to equities to rebalance things. Best of luck to all and hopefully everyone can stay the course. I've already mentally prepared to see my equities dr...
by ofcmetz
Fri Jan 15, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: Anyone shifting their AA?
Replies: 91
Views: 6482

Re: Anyone shifting their AA?

Making a slightly higher tilt towards equities as this continues. I have a pension as well as the willingness to take risk. Started the year with 70% in equities. In just putting new contributions into stocks. May rebalance later on.
by ofcmetz
Thu Jan 14, 2016 5:03 am
Forum: Investing - Theory, News & General
Topic: The Most Important Chart of 2015
Replies: 21
Views: 2283

Re: The Most Important Chart of 2015

OMG, :sharebeer. I actually read your post and tried to interpret the charts before realizing your point that technical analysis makes even less sense than your beautiful pies. Clearly you are onto something.

And now I can't stop laughing.
by ofcmetz
Thu Jan 14, 2016 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 3708

Re: Does a BH play the lottery?

I did. OK, I didn't win. I only pick numbers above 31, which means I didn't match anything this time around. I can afford the $2. Haha, I did but splurged and bought $4 worth. I didn't want to appear cheap to all the people who were in line behind me. Now to the investing help section where I ask h...
by ofcmetz
Wed Jan 13, 2016 8:04 pm
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 12925

Re: worst first four opening days in HISTORY for S&P 500

jginseattle wrote:
letsgobobby wrote:what are GMO points?


Get Me Out!



I really am wondering what GMO is.
by ofcmetz
Wed Jan 13, 2016 7:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2670
Views: 529694

Re: U.S. stocks in freefall

This was another good day. To add to your Roth IRA. I did exactly this today, and am very happy in doing so. That money (invested into TSM), will outperform TSM for the year by 8% or so. I've been accelerating my ROTH contributions for the year. Might as well get those contributions in earlier.
by ofcmetz
Sat Jan 09, 2016 5:18 am
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 12925

Re: worst first four opening days in HISTORY for S&P 500

The impression I get here from this thread is that many are buying because they perceive the market as low. This could be dangerous if it's a falling knife. This is not the Boglehead way. It's gambling. It's trying to be a hero. It's just as bad as panicking and selling, which could be selling at t...
by ofcmetz
Sat Jan 09, 2016 5:11 am
Forum: Investing - Theory, News & General
Topic: The S&P 500 had a great year for foreign investors.
Replies: 20
Views: 2541

Re: The S&P 500 had a great year for foreign investors.

Total International was also a pretty good investment for both Canadians and Mexicans. By contrast, 2015 was a pretty good year for Americans to vacation to Canada or Mexico. 8-) I like your thinking. If you can get good returns due to a strong dollar then go spend that strong dollar somewhere else...
by ofcmetz
Fri Jan 08, 2016 5:05 am
Forum: Investing - Theory, News & General
Topic: Bearish signal
Replies: 12
Views: 1738

Re: Bearish signal

I bought some more stock in the North American markets. I have an excellent record of buying just after a dip, and before a really big dip. Early 2008 and again in the summer of 2008. 2000. 1987. Etc. You have been warned ;-). It's hard to believe that this is the worst start to a year for US stock...
by ofcmetz
Fri Jan 08, 2016 4:54 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice - Child Care
Replies: 23
Views: 1271

Re: Need Advice - Child Care

Reading this thread shows me just how much some of the bogleheads really value their children. When our two kids were this age we were unable to do day care due to a medical issue that my son had. We ended hiring a part time nanny. I think for a while we were paying close to or a little more than ou...
by ofcmetz
Fri Jan 08, 2016 4:37 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 116
Views: 10580

Re: [Fidelity drops AmEx, Bank of America credit cards]

Manbaerpig wrote: Wonder if the fido-elan converted account retains the account longevity reported to the bureaus?


I was wondering the same thing.
by ofcmetz
Wed Jan 06, 2016 4:56 am
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 57
Views: 3975

Re: How do you organize your finances? Do you use Mint.com?

I use Excel. I'm a spreadsheet junkie. I have a budget spreadsheet, a investment policy word doc, a portfolio returns spreadsheet, and a portfolio spread sheet. (Also there is a exercise log one and a poker game results one, but I digress). I've looked at Mint but it wasn't for me.
by ofcmetz
Wed Jan 06, 2016 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 8771

Re: Savings % Target 2016?

Very impressed by these numbers. Should be around 25%. Excluding employer match. Well, it is a brag thread :D Very true! But it is actionable, as it always motivates me to try to see where I might do better next year. (That counts as actionable, right?) :beer I have to agree that it does motivate. ...
by ofcmetz
Tue Jan 05, 2016 5:07 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 116
Views: 10580

Re: [Fidelity drops AmEx, Bank of America credit cards]

Huge disappointment here; this kills the two best features of the card: 1) The ability to move world points from the BofA travel rewards card 2) Amex Offers. Oh well, was nice knowing you card, but not worth holding as only a 2% visa. I have to disagree. I'm looking forward to now being able to use...
by ofcmetz
Mon Jan 04, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: Thanks China!
Replies: 40
Views: 5262

Re: Thanks China!

Thanks for pushing markets down today! My yearly IRA contributions will hit at market close NAVs today... keep on droppin'! :sharebeer Anyone else liking today's downward move? :beerCheers, packet My Dad is retiring in 2 weeks. I was hoping that the markets could at least stay flat for a bit to eas...
by ofcmetz
Mon Jan 04, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7951

Re: frustrating to keep investing in international/EM

I didn't have time to read the whole thread, but I'd like to say that this is why we make a written plan and stick with it. I'm not buying international for a quick return. It's part of a well thought out long term plan. I don't mind buying in year after year at about the same price. My intention is...
by ofcmetz
Mon Jan 04, 2016 12:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2670
Views: 529694

Re: U.S. stocks in freefall

walletless wrote:Happy New Year! Great start to 2016, and time to bump this thread!


At least everyone who is still working has some new IRA, 401K, 403B, and 457B space to buy their equity mutual funds with.


Happy New Year Bogleheads.
by ofcmetz
Mon Jan 04, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 8267

Re: Fidelity 2% Amex: Security Annoyances

Looks like US Bancorp and Visa are getting Fidelity's credit card business: https://www.bostonglobe.com/business/2016/01/03/fidelity-switches-credit-card-partners/6MsRJSEgFQwh9UTECPqpoK/story.html Interesting. Will probably be better for cardholders as its a VISA Signature card. Should have a bette...
by ofcmetz
Sun Jan 03, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 8771

Re: Savings % Target 2016?

This is like: Going to the bodybuilding forum and only being able to bench 120 lbs Going to the Lego forum and only getting 3 new sets for Christmas Going to the miles forum and only planning on getting 4 new Airline credit cards and one hotel status run Going to the gardening forum and only planti...
by ofcmetz
Sun Jan 03, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 8771

Re: Savings % Target 2016?

20-25% of gross, not counting employer match to retirement savings. EDIT: Only on this forum would that put me at the low end of the savings spectrum. ^This is our goal as well. Be careful not to get savings envy by trying to match some other posters rates. They may be living on twice your income o...
by ofcmetz
Sun Jan 03, 2016 5:40 am
Forum: Investing - Theory, News & General
Topic: 2015 Asset Class Returns
Replies: 18
Views: 2889

Re: 2015 Asset Class Returns

Crushtheturtle wrote:Thank you, this is great to see.

Please double check the S&P return. I think when I did it, the result was -0.73 or something.


Don't forget to add dividends. With dividends the returns are positive and are also the same as those quoted by the OP.
by ofcmetz
Mon Dec 28, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 15086

Re: What is your savings rate?

I save 23% of gross income. Certainly a shameful percentage compared to BHs and MMM followers. I max out my 401K, traditional IRA and my wife's Roth IRA. We are a single income family. What is left goes into VTI. I don't know how others save so much. I have scrubbed our expenses and I am just not w...
by ofcmetz
Mon Dec 28, 2015 5:23 am
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 15086

Re: What is your savings rate?

I did not notice someone resurrected a thread from 5 years ago. Looking through I see I gave the same answer 5 years ago. :) ^I noticed this as well. Anyway, we've been investing between 20 to 25% of gross income since finding the bogleheads. Before that we were around 10 to 15% of gross income. I ...
by ofcmetz
Mon Dec 28, 2015 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 8267

Re: Fidelity 2% Amex: Security Annoyances

I'm in the midst of another FIA Fidelity AMEX hassle. I checked my online account the other day and noted a multi-hundred dollar charge from a Latin American services company with which we have no relationship. I called FIA card services, they initiated a dispute complaint, and then without any war...
by ofcmetz
Tue Dec 22, 2015 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How old can you be and retire early?
Replies: 56
Views: 3702

Re: How old can you be and retire early?

If retirement means leaving full time employment to live mainly off of your investments and pension prior to being able to draw social security then 58 is early in my book. I always thought anything before age 62 was an early retirement but others have their own definition. Some people consider earl...
by ofcmetz
Sat Dec 19, 2015 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Large Stock Market Decline Today - What's going on?
Replies: 46
Views: 4129

Re: Large Stock Market Decline Today - What's going on?

This was overall a good year for me. Investment returns wise it is a different story. OP, I don't think your numbers are correct. Most of my funds dropped between 1.5 and 2.3% today and there may have been some distributions mixed into that. All these recent market declines are just what's known as...
by ofcmetz
Sat Dec 19, 2015 12:35 am
Forum: Investing - Theory, News & General
Topic: Why Bogleheads "Stay-The-Course"
Replies: 31
Views: 4737

Re: Why Bogleheads "Stay-The-Course"

October 2007 to March 2009. Stocks plummet 56.8%. April 2011 to October 2011. Stocks fall 19.4%. June 2015 to August 2015. Stocks fall 11.9% Stocks gained +1,100-fold during this 70-year period. Best wishes. Taylor I only was investing during the last three of these periods. I forgot stocks fell so...
by ofcmetz
Sat Dec 19, 2015 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Large Stock Market Decline Today - What's going on?
Replies: 46
Views: 4129

Re: Large Stock Market Decline Today - What's going on?

This was overall a good year for me. Investment returns wise it is a different story. OP, I don't think your numbers are correct. Most of my funds dropped between 1.5 and 2.3% today and there may have been some distributions mixed into that. All these recent market declines are just what's known as ...
by ofcmetz
Fri Dec 18, 2015 6:02 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 49
Views: 4116

Re: Do you reinvest your dividends/capital gains?

We are in our late 30's and still accumulating. Everything gets reinvested right now.
by ofcmetz
Fri Dec 18, 2015 5:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2670
Views: 529694

Re: U.S. stocks in freefall

It has been an interesting week in the market for sure. Of course my 457B contributions went in on Wednesday at the week's highs. That should have been the sign for me that things were going to turn down for a bit. :oops: Invest we must, so let's keep following our allocations and rebalance when nec...
by ofcmetz
Fri Dec 18, 2015 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: New to Forum Questions
Replies: 37
Views: 2534

Re: New to Forum Questions

I'll give this a bump for you. How much are you paying your advisor as far as a percentage of assets? I don't think advisors are bad, but I think a lot will rip you off and aren't worth what they charge. It's worth learning what you can and deciding if you need one or if you want to be a do it yours...
by ofcmetz
Fri Dec 18, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Looking at two Intermediate Term Bond funds
Replies: 16
Views: 1368

Re: Looking at two Intermediate Term Bond funds

We use the VBILX Vanguard Intermediate-Term Bond Index Fund Admiral Shares for about half of our fixed income. The other half is in the TIAA Traditional Fund. I would be just as happy with any Total Bond Market Fund. It was almost a coin flip when we decided. I like the constant 50% Treasury/50% cor...
by ofcmetz
Fri Dec 18, 2015 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Moving cash into the market now
Replies: 26
Views: 3462

Re: Moving cash into the market now

Man, I would hate having so much different stuff in my taxable like that. I would be cleaning that up as well depending on the tax implications. As far as moving in. Divide it up by 12 and put it in over the next year 1/12th at a time. Or just do it all at once. Today is better than Wednesday accord...
by ofcmetz
Fri Dec 18, 2015 3:57 am
Forum: Personal Finance (Not Investing)
Topic: Work Part-Time or Fully Retire?
Replies: 57
Views: 5193

Re: Work Part-Time or Fully Retire?

Trade-offs between work, leisure and wealth are not simple. Let's consider two boundary cases: - At the age of 25, one is eager to explore places, people, things, and subjects. But he does not have financial freedom to leave employment. - At the age of 85, someone who has worked all his life and is...
by ofcmetz
Fri Dec 18, 2015 3:21 am
Forum: Investing - Help with Personal Investments
Topic: How do you reduce excessive risk in your AA?
Replies: 35
Views: 2394

Re: How do you reduce excessive risk in your AA?

I wonder if this is all happening in tax advantaged accounts? If so then I would just exchange all international into a total international index that included emerging markets. Otherwise I would just direct new investments towards other things and slowly watch the percentage you have in emerging ma...
by ofcmetz
Fri Dec 18, 2015 3:03 am
Forum: Investing - Theory, News & General
Topic: Investing : Bogle's current personal allocation
Replies: 10
Views: 1421

Re: Investing : Bogle's current personal allocation

That's a very balanced portfolio. He's investing for more than one generation and what better way than 50/50.
by ofcmetz
Thu Dec 17, 2015 5:06 am
Forum: Personal Finance (Not Investing)
Topic: Is TIAA-CREF one of the "good guys"?
Replies: 43
Views: 4349

Re: Is TIAA-CREF one of the "good guys"?

I doubt I'll ever have enough with them to have them offer me any wealth management advice. Out of the 403B funds my employer offers I think they serve my needs the best. I only use them for the Traditional Fund and the Real Estate Fund. I transferred about half of my account value out a year or so ...
by ofcmetz
Wed Dec 16, 2015 5:07 am
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 3087

Re: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

I get the WSJ for about $100 a year. I invest about $40,000 a year. It would make a difference I guess, but what would I read on the elliptical at the YMCA?
by ofcmetz
Tue Dec 15, 2015 3:13 pm
Forum: Investing - Theory, News & General
Topic: December effect
Replies: 20
Views: 1358

Re: December effect

I don't buy any to any December effect theory. I think each year is unique and presents its own issues. I do think I'd spread out my selling throughout the year and not confine it to any one month though if I had to do RMD's.
by ofcmetz
Wed Dec 09, 2015 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get my life on track, need advice
Replies: 52
Views: 3532

Re: Trying to get my life on track, need advice

Law Enforcement is hiring all the time in my state. Starting pay is usually around 40K plus overtime and benefits. With overtime and you'll be at about 55K with 10K benefits on top. I started at age 19 with 1 year of college. There is a ton of work available in this country. You can move up in almos...
by ofcmetz
Tue Dec 08, 2015 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 168
Views: 20107

Re: Who's buying Oil stocks?

I'm only buying them in the index funds that I would have purchased anyway. Although, I think now is a better time to buy oil companies than at the beginning of the year.

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