Search found 425 matches

by randomizer
Thu Jul 20, 2017 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Stuck with a MAJOR annuity problem
Replies: 24
Views: 2106

Re: Stuck with a MAJOR annuity problem

itstoomuch wrote:We don't need the money, but want low risk and high returns.

Sounds oxymoronic to me.
by randomizer
Mon Jul 17, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Dumped my last stock
Replies: 7
Views: 1285

Re: Dumped my last stock

:sharebeer
by randomizer
Sat Jul 15, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing opportunities to Tax Loss Harvest?
Replies: 13
Views: 810

Re: Maximizing opportunities to Tax Loss Harvest?

I haven't seen a TLH opportunity for a while. But I am sure it will come. Patience.
by randomizer
Sat Jul 15, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: How divide college savings fairly between kids of different ages?
Replies: 9
Views: 896

Re: How divide college savings fairly between kids of different ages?

Trying not to worry about it too much. Still have 14 or so years to figure it out.
by randomizer
Sat Jul 15, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: What is a typical (ballpark) AA for age 65?
Replies: 25
Views: 1937

Re: What is a typical (ballpark) AA for age 65?

50:50

But 40:60 or 60:40 wouldn't be bad either.

Heck, even 25:75 or 75:25.
by randomizer
Sat Jul 15, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Question about investment advisors
Replies: 6
Views: 577

Re: Question about investment advisors

This board provides pretty good advice. I for one haven't felt the need for an actual adviser.
by randomizer
Wed Jul 12, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein on Meb Faber's podcast
Replies: 54
Views: 6544

Re: William Bernstein on Meb Faber's podcast

The fact that the current bull market in US equities is closing in on the record for the longest does make me wonder... If something can't go on forever it will stop. I just hope we don't go through 1970s style stagflation because my portfolio isn't really setup to deal with that too well and I am ...
by randomizer
Wed Jul 12, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 6564

Re: Do you consider business travel to be a perk or a burden?

Perk. But I do it very rarely so it has a high novelty value.
by randomizer
Wed Jul 12, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6352

Re: Personal loan to a family member

Run for the hills, or gift the money. There is no other way.
by randomizer
Tue Jul 11, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: What do you do when you run the numbers and don't like the answer that you get?
Replies: 29
Views: 3362

Re: What do you do when you run the numbers and don't like the answer that you get?

Thanks a lot for all the replies. To summarize, I think there are basically three kinds of response: ⋅ What are you worried about? Everything is going to be fine! ⋅ Yeah, worrying is natural: just do your best. ⋅ Practical advice: save more, spend less. I think these al...
by randomizer
Sun Jul 09, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do when you run the numbers and don't like the answer that you get?
Replies: 29
Views: 3362

What do you do when you run the numbers and don't like the answer that you get?

I've had a few good years (high income, high savings rate) in a HCOL area, and have been able to save a fair chunk with a view to eventually retiring in a LCOL area. When I "run the numbers", I see that I'll need to accumulate much more than I currently have in order to have a reasonably &...
by randomizer
Sun Jul 09, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13257

Re: Anyone else gotten totally bored with investing?

I am very bored. Really looking forward to retiring, but nothing I can do about it on the investment side. It is like watching paint dry. Even if the market tanks or surges, there is rarely anything to do. Rarely even rebalancing or tax loss harvesting. I just follow my IPS and wait wait wait. Reall...
by randomizer
Sat Jul 08, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10018

Re: Last 80 minutes of my career

Congratulations! I look forward to that same moment myself, thinking about it pretty much every day.
by randomizer
Sat Jul 08, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Starting my first index fund
Replies: 8
Views: 915

Re: Starting my first index fund

Don't wait. Time in the market beats timing the market. Start simple. TSM is a good choice.
by randomizer
Sat Jul 08, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: No "sequence of returns risk" what to do about withdrawals
Replies: 35
Views: 2686

Re: No "sequence of returns risk" what to do about withdrawals

Seems not enough data to compute. You're better off now than you might have been in an alternate universe, but knowing that doesn't help much.
by randomizer
Sat Jul 08, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for a 25k to 30k windfall
Replies: 14
Views: 1581

Re: Planning for a 25k to 30k windfall

Splitting hairs a bit, but I don't really think you can can plan for a "windfall". If you know how much will be coming in and when, then it's not a windfall, it's just part of your income stream. In any case, why it's good to be prepared for various scenarios, I try really hard not to coun...
by randomizer
Sat Jul 08, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11342

Re: "Bond wipeout has just begun"???

Mel Lindauer wrote:Match your bond holdings to the bond fund's duration and then ride it out.

In practice, how does one actually do this? I understand in a vague way that if a bond has a duration of N years, you should hold it N years?
by randomizer
Wed Jul 05, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 10970

Re: Seeking advice on 1.2m house purchase

I'd definitely rent in a situation like this. This sounds like you are way, way over-extending yourself.
by randomizer
Sat Jul 01, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 3916

Re: Anyone else got all their eggs in only the Vanguard basket?

I have the bulk of my assets with Vanguard. Not really worried about it at all.
by randomizer
Sat Jul 01, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Why Diversify? Why Not 100% Global Stocks
Replies: 31
Views: 2934

Re: Why Diversify? Why Not 100% Global Stocks

I am guessing there may be 100s of threads on this subject on the forum already.
by randomizer
Sat Jul 01, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: FIREcalc says I can retire. Should I ?
Replies: 19
Views: 3718

Re: FIREcalc says I can retire. Should I ?

Depends on how much you want to. If you really want to, then the uncertainty may be worth dealing with. Otherwise, play it a bit safer.
by randomizer
Sat Jul 01, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12735

Re: Bogleheads: you should be buying 10-year old cars

Best solution: don't buy a car at all, live where public transportation is good, and use something like Zipcar for the rest.
by randomizer
Mon Jun 26, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 8245

Re: Where to find a financially like-minded significant other?

Given that most of society is not-Bogleheadish (and in many ways is anti-Boglehead), it doesn't surprise me at all that most people you meet aren't Bogle-compatible. I think you're going to need a lot of patience.
by randomizer
Sat Jun 24, 2017 12:39 am
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2529

Re: Anyone have a habit of checking the market all day?

Markets are boring and investment is boring. And may it ever stay that way. (If only.)
by randomizer
Sun Jun 18, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: If everybody indexed, the only word you could use is chaos, catastrophe
Replies: 66
Views: 8356

Re: If everybody indexed, the only word you could use is chaos, catastrophe

thevigilante wrote:And this is why I find myself sleeping soundly after recommending indexing to pretty much every wage earner who doesn't have the time, knowledge, motivation, and risk tolerance to make a reasonable attempt at trading to make money off the inefficiency.

Which is to say, "to everybody".
by randomizer
Fri Jun 16, 2017 5:39 pm
Forum: Investing - Theory, News & General
Topic: Adding new money to bond funds in rising interest environment
Replies: 28
Views: 2111

Re: Adding new money to bond funds in rising interest environment

I never have excess cash sitting around. I just invest it according to my AA. No need to pay attention to valuations or interest rates etc.
by randomizer
Wed Jun 14, 2017 11:38 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 5210

Re: Probabilities and Consequences

Bogleheads: Larry Swedrow makes an important point: Investors should consider both probabilities and consequences . I have a simple solution which has worked for me: Money I cannot afford to lose is in safe-fixed income -- the rest is in stock mutual funds. I sleep like a baby. Best wishes. Taylor ...
by randomizer
Sun Jun 11, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Keep unneeded life insurance?
Replies: 14
Views: 1191

Re: Keep unneeded life insurance?

The answer seems to be in the title.
by randomizer
Sat Jun 10, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2366

Re: Naming boat

Front Runner
VFIAX
Safe Withdrawal
Under Water
by randomizer
Wed May 24, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 64
Views: 11239

Re: A Gem from Livesoft

Great charts.
by randomizer
Sat May 20, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Betterment
Replies: 10
Views: 1392

Re: Vanguard or Betterment

Vanguard.
by randomizer
Sat May 20, 2017 5:46 pm
Forum: Investing - Theory, News & General
Topic: Who's into Bitcoin, Altcoins, ICO etc?
Replies: 49
Views: 3707

Re: Who's into Bitcoin, Altcoins, ICO etc?

Speculation, not investment, so it's not at all appealing to me in any way, despite the potential upside.
by randomizer
Sat May 06, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Acceptable Success Rate to Retire using Firecalc
Replies: 41
Views: 3248

Re: Acceptable Success Rate to Retire using Firecalc

95% doesn't mean you fail 5% of the time: in real life it means you come to a point where you realize things aren't going as well as you thought and you reel in your spending a bit, probably more than 5% of cases. If you can see you portfolio trending towards zero, of course you make adjustments. So...
by randomizer
Sat May 06, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Signed up with 2 Advisors - Need Feedback, My Questions
Replies: 30
Views: 1688

Re: Signed up with 2 Advisors - Need Feedback, My Questions

I think I might be allergic to financial advisors.
by randomizer
Thu May 04, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne360 No More Living Trust Option for New Accounts
Replies: 1
Views: 259

Re: CapitalOne360 No More Living Trust Option for New Accounts

I left Capital One 360 back in 2015 because they dropped support for living trusts that year. They used to have it. Shame, because I liked them.

I wouldn't hold your breath.
by randomizer
Sun Apr 30, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 7375

Re: Does Retirement Planning impact your job performance?

I've definitely felt this. I don't really have any advice though. My goal is to just keep performing well enough to keep my job, and try not to stress too much (focusing on the parts I enjoy, and not dwelling too much on the negatives).
by randomizer
Sun Apr 30, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35441

Re: Time to reach 1M and 2M milestones

$0 to $1m about 4 years. Then we bought a house, so investible assets currently down to about 740k. I anticipate getting back to $1m within a year, but after that our savings rate is going to dive (current high paying job has an expiration date on it) so it is not clear that we'll ever get to $2m, a...
by randomizer
Sun Apr 23, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8807

Re: Helping adult children

Kenkat wrote:The other option is to tell son #2 that you know he doesn't need the money but it's a gift that we want to give you. He can save it, spend it, give it to charity - whatever - but here it is.

I like that idea.
by randomizer
Sun Apr 23, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 20990

Re: Any regrets living a frugal life for high income/high networth individuals?

I'm (currently) high income but not high net worth (started late). Frugality is awesome. Wish I'd practiced it more and more often!
by randomizer
Sun Apr 23, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Changes (30 years old)
Replies: 5
Views: 408

Re: Portfolio Changes (30 years old)

I don't think the lower expense ratios are worth it, but maximizers may disagree.

Not having international bonds is fine.
by randomizer
Sun Apr 23, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3727

Re: how much house can we afford? Boston area.

Check out threads on mortgages as negative bonds. Ask yourself how comfortable you will be with a 150% stock -50% bonds portfolio. It is a mathematical trick, but a useful thinking aid to help you see how taking a mortgage is a risk and changes the expected returns and risks of your overall financia...
by randomizer
Sun Apr 23, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage at 75 ?
Replies: 15
Views: 2204

Re: Mortgage at 75 ?

I recently went mortgage shopping and many banks had age-related conditions, like not letting the term of the mortgage exceed a certain age.
by randomizer
Sun Apr 23, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39318

Re: Larry Swedroe says "Goodby."

Pretty much everything I know about bonds (beyond the basics) I know thanks to Larry. Ditto for factor-based investing. Thanks Larry.
by randomizer
Sun Apr 23, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: [Should I get an advisor?]
Replies: 14
Views: 1276

Re: [Should I get an advisor?]

This forum is (almost) all the advice I need, but I don't have as much net worth as you, so I can understand why you might want a professional opinion. I just think there is a lot of professional-quality advice on here (and sometimes better than pro-quality). And in general, the more detailed the qu...

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