Search found 1726 matches

by zaboomafoozarg
Sun Feb 26, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 29
Views: 1617

Re: Used German Luxury vs New Japanese

My brother and his wife just bought a Toyota Avalon to replace their Toyota Camry, which they're giving to my niece and her husband, who needed a car to replace the one that died. My brother and his wife said they decided on the Avalon because of its roominess and the numerous safety features. Germ...
by zaboomafoozarg
Sun Feb 12, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 3806

Re: The Ned Said Effect strikes again

At least you didn't sell AMD at $2 like I did last year :oops:

Of course, I had so few shares that even if I held out for the $13 share price, I'd only have a thousand more dollars or so.
by zaboomafoozarg
Sun Feb 12, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 8677

Re: Saved too much? What do you splurge on?

business and first class tickets over the atlantic and pacific - worth every penny to me love Emirates First That's probably my biggest splurge goal at the moment - I really want to be able to fly business or first instead of economy on a long flight someday, just to see how it compares. I don't kn...
by zaboomafoozarg
Sat Feb 11, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Mega backdoor Roth complete
Replies: 1
Views: 295

Re: Mega backdoor Roth complete

Yep the mega backdoor Roth is pretty great. There's a possibility that it won't last, but it's good to take advantage of it while it does.

I've made the equivalent of 10 extra years worth of Roth IRA contributions in the past couple years.
by zaboomafoozarg
Fri Feb 10, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: What is the prediction of future long-term returns for your portfolio?
Replies: 63
Views: 4623

Re: What is the prediction of future long-term returns for your portfolio?

BTW.. The previous 17 years have been pretty grim for US equities (S&P 500 returned about 2.5% real). Can't we all advocate for some positive reversion to the mean? Isn't it about time for a 17 year period of 9%+ real returns? Heck I may be able to retire before age 50 if that happens. I'd thin...
by zaboomafoozarg
Thu Feb 09, 2017 9:41 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 328
Views: 17719

Re: Why go with an 80% stock / 20% bond portfolio?

Interesting combination of 'average investor' and 1 million dollars in investable assets $1 million is average on this forum. Per the 2015 survey, average investable assets were $1.6 million, with a median of just over $900k. Factoring in other assets those numbers were $2 million average and $1.3 ...
by zaboomafoozarg
Thu Jan 26, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax is playing games again.
Replies: 52
Views: 9415

Re: TurboTax is playing games again.

But even if you buy/share the TurboTax desktop version, you only get 1 free state download - so you pay for additional state downloads for each family member AND you pay for each state e-file. We all live in the same state so it's not a problem. And we just use the state tax site to enter in TurboT...
by zaboomafoozarg
Tue Jan 24, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax is playing games again.
Replies: 52
Views: 9415

Re: TurboTax is playing games again.

I just buy the desktop version of TurboTax Home & Business (the most expensive personal version at $80), then split it with 4 other family members.

So I don't have to worry about getting features removed and it only costs me $16 each year.

Compared to a $5,000 watch that's nothing :D
by zaboomafoozarg
Tue Jan 24, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Editing shortcut emacs-like keys. Do u use them?
Replies: 34
Views: 2249

Re: Editing shortcut emacs-like keys. Do u use them?

Ged wrote:
zaboomafoozarg wrote:I write my posts in vim and then copy them into the browser. :P


vim is a newfangled gizmo for millennials. Retirees use vi.


Full disclosure, I use gvim.
by zaboomafoozarg
Mon Jan 23, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 3758

Re: Why is Slicing/Dicing not Working?

It helps to be able to look earlier than 2010, even if you only started investing then. By swapping out a few similar but longer-lived funds: - VINEX (Vanguard International Explorer) instead of VSS - PCRIX (Powershares Commodity) instead of DBC - VEIEX (Vanguard EM Investor) instead of VEMAX (Vangu...
by zaboomafoozarg
Sat Jan 21, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Dow crosses 20,000?
Replies: 28
Views: 2986

Re: Dow crosses 20,000?

I'm still waiting on 36,000 and 100,000.
by zaboomafoozarg
Fri Jan 20, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: London Hotel
Replies: 13
Views: 1240

Re: London Hotel

I liked the Holiday Inn in Bloomsbury. Not too expensive and just a block away from the Russell Square blue line tube station. Also within walking distance of the British Museum which was the main attraction I wanted to visit.

That hotel would be only blue line stops from Covent Garden.
by zaboomafoozarg
Mon Jan 16, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6493

Re: Disheartening to hear this about Vanguard

Miriam2 wrote:Sigh . . . the assignments from livesoft are always challenging 8-)


That's why I always read the cliffs notes for livesoft assignments instead of actually doing the work :D

Reading all the way through IRS docs? No thanks.
by zaboomafoozarg
Mon Jan 16, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10685

Re: Why nobody understands importance of high-deductible insurance?

I carry a $1000 deductible in my car. Going to $2500 only saved about $150/year. Didn't seem like a good value. Unless you couldn't come up with the additional $1,500 in the event of an accident, I don't see how it's a good value to give 10% of that amount to the insurance company to cover the risk...
by zaboomafoozarg
Mon Jan 16, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10685

Re: Why nobody understands importance of high-deductible insurance?

A lot people go without healthcare (don't see doctors, don't fill prescriptions, etc.) due to deductibles and other cost sharing, sometimes even a small amount of cost sharing. Unfortunately, this can be bad for their health. Exactly, high deductible health insurance can be very bad if it discourag...
by zaboomafoozarg
Mon Jan 16, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6493

Re: Disheartening to hear this about Vanguard

Miriam2, the wiki has a good description and example of the various cost basis methods: https://www.bogleheads.org/wiki/Cost_basis_methods SpecID is nice in taxable accounts because it gives you more opportunities for loss harvesting and minimizing taxes, because it lets you choose exactly which pur...
by zaboomafoozarg
Mon Jan 16, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9848

Re: How much do you typically spend in a restaurant?

When I go out to eat I usually spend $2-$4 for a meal (sandwich + side + water). The only places I usually eat are McD's or Burger King, but occasionally I'll go to Subway or DQ.
by zaboomafoozarg
Mon Jan 16, 2017 1:58 am
Forum: Personal Consumer Issues
Topic: How to improve my income as software lead/manager?
Replies: 52
Views: 5253

Re: How to improve my income as software lead/manager?

$180k for a lead dev is really high in a low-to-mid COL area.
by zaboomafoozarg
Sat Jan 14, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: "Millennials may need to double how much they save for retirement"
Replies: 173
Views: 16835

Re: "Millennials may need to double how much they save for retirement"

Dirghatamas wrote:My overall point still stands that given we in the US get paid on average a LOT more than most places in the world


Still, most people in the US aren't making $1.5-2M per year like you are.

Maybe on this forum :D But not the US as a whole.
by zaboomafoozarg
Fri Jan 13, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: "Millennials may need to double how much they save for retirement"
Replies: 173
Views: 16835

Re: "Millennials may need to double how much they save for retirement"

I save 50-60% just to be safe. That might be what's needed to retire by the 2040's.
by zaboomafoozarg
Sun Jan 08, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 4150

Re: No Vanguard Customer Support on weekends

I don't think I've ever had a reason to call customer support at any brokerage.

I'd much rather send an email or chat on the web. It's easier to explain things that way, plus then you have a written record.
by zaboomafoozarg
Fri Jan 06, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 7181

Re: 500K milestone celebration

Congratulations OP!

I used to think about doing something special to celebrate $500k, but I've spent enough time around this and other money forums to realize that it's a non-event to a ton of people. So, maybe if I ever get to $5M I'll buy a watch or something. :D
by zaboomafoozarg
Fri Jan 06, 2017 8:11 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 147
Views: 9325

Re: 2017 hedge fund contest

I think everyone should have to pick 3 longs and 3 shorts.
by zaboomafoozarg
Thu Jan 05, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 6059

Re: Study on SWR rates for Early Retirement

So basically, live on dividends? At this point that's the only withdrawal rate I think I'd feel comfortable using.
by zaboomafoozarg
Tue Jan 03, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 28082

Re: Whats your number to walk away?

After 16 hours of work today, I think my number just got $100-200k lower... :oops:
by zaboomafoozarg
Mon Jan 02, 2017 9:08 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 28082

Re: Whats your number to walk away?

The Wizard wrote:RAchip is my new idol...


Not mine, no way I want to work until I have $100M! At my current savings rate and given a 5% return, it'd take me until I'm... 103 years old to hit that amount. :D
by zaboomafoozarg
Mon Jan 02, 2017 5:46 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 28082

Re: Whats your number to walk away?

$1.5m real, so probably $2m nominal by the time I get there.

I don't think I'd walk away from all work though. Just the 9-5 daily grind kind of work.
by zaboomafoozarg
Sun Jan 01, 2017 10:54 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 5637

Re: This is a good weekend to start tracking your net worth.

I agree, it's interesting to track net worth over time. Just doing that makes me strongly consider large purchases before making them, because it will impact my net worth "score". I started doing it the month that I joined this forum using a simple Excel spreadsheet. That sheet is a little...
by zaboomafoozarg
Sat Dec 31, 2016 11:20 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 210891

Re: What are you up YTD? [Year To Date]

My 401k site says my 2016 return was 8.75%, so my portfolio return is probably somewhere around 8-9%.

Including contributions my increase was 24.5%.
by zaboomafoozarg
Wed Dec 28, 2016 9:07 pm
Forum: Investing - Theory, News & General
Topic: Expected returns 2017-2047
Replies: 30
Views: 2939

Re: Expected returns 2017-2047

I'm curious what you mean by that? So if someone was continually investing, the return would be higher. Is this your way of saying that there will be poor returns early on, and DCA of continually investing will do better due to better performance later on in the 30 year period? Just trying to see i...
by zaboomafoozarg
Wed Dec 28, 2016 6:41 pm
Forum: Investing - Theory, News & General
Topic: Expected returns 2017-2047
Replies: 30
Views: 2939

Re: Expected returns 2017-2047

Real returns from today, or real returns continually investing? At the US market's current valuation, I'd rate the expected 30-year returns as follows: Bad - 0% real OK - 2% real Great - 4% real If someone was continually investing over the next 30 years, I'd expect these returns to be a little high...
by zaboomafoozarg
Tue Dec 27, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: VGTSX Price in 2000 - $14.31. Price in late 2016? $14.63.
Replies: 17
Views: 1738

Re: VGTSX Price in 2000 - $14.31. Price in late 2016? $14.63.

I thought this thread looked familiar. I guess that's because you posted basically the same thing back in October, and July, and May, and March.
by zaboomafoozarg
Tue Dec 27, 2016 9:25 pm
Forum: Investing - Theory, News & General
Topic: VGTSX Price in 2000 - $14.31. Price in late 2016? $14.63.
Replies: 17
Views: 1738

Re: VGTSX Price in 2000 - $14.31. Price in late 2016? $14.63.

Well, I feel better about buying for $14 in 2016 than I do about buying it for $14 in 2000.
by zaboomafoozarg
Fri Dec 23, 2016 12:33 pm
Forum: Investing - Theory, News & General
Topic: Financial Independence is not the Holy Grail
Replies: 85
Views: 9148

Re: Financial Independence is not the Holy Grail

This article doesn't convince me to stop making saving money for financial independence my #1 priority. I don't have the option of cutting back from 16 to 12 shifts a month. I've never seen a software dev job that allows that. My job has required me to work 60+ hours a week for the past few months w...
by zaboomafoozarg
Fri Dec 16, 2016 11:29 am
Forum: Investing - Theory, News & General
Topic: Ellis: "Under 40 years old - 100% in Stocks"
Replies: 54
Views: 5747

Re: Ellis: "Under 40 years old - 100% in Stocks"

I assume he's referring to people who'll retire at the normal age. For someone retiring at 40-45, I'd want to be a little more conservative. Not much more, but maybe 25-30% bonds at that point.
by zaboomafoozarg
Mon Dec 12, 2016 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement amount or goal
Replies: 31
Views: 4186

Re: Retirement amount or goal

40x will provide for 40 years at 0% real return, which I can envision happening in the remainder of this century. Do you get depressed when you picture the future that way? Seriously? 84 years at 0% real? Why invest at all? Yeah it's pretty depressing to be honest. But I'm thinking it's better to e...
by zaboomafoozarg
Sun Dec 11, 2016 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Retirement amount or goal
Replies: 31
Views: 4186

Re: Retirement amount or goal

Seriously, 40X? Sounds like a good way to become the richest guy in the graveyard to me. That's a stretch goal :) 40x will provide for 40 years at 0% real return, which I can envision happening in the remainder of this century. I will definitely look at SPIAs when I am in my 60's, unless my pension...
by zaboomafoozarg
Sat Dec 10, 2016 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement amount or goal
Replies: 31
Views: 4186

Re: Retirement amount or goal

Or 30x-40x expenses if your goal is to retire early.
by zaboomafoozarg
Sat Dec 10, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 9978

Re: Warning: BH may be hazardous to your financial health

I think I'm spending less because I visit here.

I decided to work all weekend instead of going to a party because I need to make more money to keep up with the Bogleheads (as defined by the net worth survey).
by zaboomafoozarg
Fri Dec 02, 2016 12:46 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6432

Re: What percentage of international do you hold?

40% international in stocks, 25% international in bonds
by zaboomafoozarg
Sat Nov 26, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5791

Re: My Bonds Are Enraging Me

You have $153,400 in VBTLX. $138 is just noise in comparison. The fund will pay you about $300 at the beginning of December and every month after that.
by zaboomafoozarg
Fri Nov 25, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5791

Re: My Bonds Are Enraging Me

JKE wrote:Thanks everyone. I have much to learn. I think from now on I'll look at my returns only once a year.


That's one strategy that can work.

Another strategy is to look at your returns regularly and learn that there are a lot of fluctuations due to noise, and they're not worth worrying about.
by zaboomafoozarg
Fri Nov 25, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 18185

Re: Fidelity free Turbotax

FIREchief wrote:On a related note, I would NEVER type all of my personal information into an on-line version of the software. Do people actually do this?? :confused


Of course they do.
by zaboomafoozarg
Fri Nov 25, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Questions for musicians - piano - gift
Replies: 8
Views: 607

Re: Questions for musicians - piano - gift

That's awesome! I started at 6 years old too and have been playing ever since. Not sure what your budget is, but I saw that there is a 88-key weighted Alesis keyboard selling on Amazon for $210: https://www.amazon.com/Alesis-Recital-Beginner-Full-Size-Semi-Weighted/dp/B01DZXE9NC/ref=sr_1_1?s=musical...
by zaboomafoozarg
Sun Nov 20, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 8507

Re: Do you track your net worth? How long have you done so?

I've tracked my net worth since starting out on this forum in 2011.

It's nothing great, but it is nice to see some progress. Of course it has been a bull market for the last 5 years, so I'm probably lined up for getting knocked down a peg.
by zaboomafoozarg
Sat Nov 19, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 6485

Re: Go part time number

I'll just work full time until 30x expenses, then quit. Or... reorganise your expenses until they are 1/30th of what you have, then quit. True, that is another option. There's not much I want to cut though at $20-25k a year. And I actually want to save for $10-20k per year more than I currently spe...
by zaboomafoozarg
Fri Nov 18, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 6485

Re: Go part time number

No part-time for me - I'll just work full time until 30x expenses, then quit.
by zaboomafoozarg
Wed Nov 16, 2016 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 481
Views: 114221

Re: Share your networth progression

I thought I was doing alright until I read this thread, LOL.
by zaboomafoozarg
Wed Nov 09, 2016 1:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3333
Views: 839572

Re: U.S. stocks in freefall

livesoft wrote:More importantly, the Cubs won the World Series.


No that's pretty much the worst thing ever.
by zaboomafoozarg
Wed Nov 09, 2016 1:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3333
Views: 839572

Re: U.S. stocks in freefall

zaboomafoozarg wrote:It has been prophesied that the RBDs will not return until livesoft does.


Well look at that - livesoft has returned and we appear to have an RBD looming before us!

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