Search found 1836 matches

by zaboomafoozarg
Mon Jan 15, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Longer Work Hours: Tips for adjusting?
Replies: 10
Views: 1027

Re: Longer Work Hours: Tips for adjusting?

joeblow wrote:
Mon Jan 15, 2018 10:47 pm
I do not know anyone who makes good money that doesn't work 50-60+ hours a week
I'll bite, LOL. How much is good money?
by zaboomafoozarg
Sun Jan 14, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Why did Vanguard start an Institutional REIT fund?
Replies: 6
Views: 727

Re: Why did Vanguard start an Institutional REIT fund?

It's a slight ER drop from Admiral (0.10% instead of 0.12%). Not much, but every little bit helps I guess.

My 401k switched to the institutional VG REIT fund shortly after it came out.
by zaboomafoozarg
Sun Jan 07, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: CAPE Fear: Why CAPE Naysayers Are Wrong
Replies: 81
Views: 5838

Re: CAPE Fear: Why CAPE Naysayers Are Wrong

Due to CAPE being so high I have moved a little bit of stocks to bonds/alternatives, and also moved a little bit of US stocks to international stocks.

But I'm not doing anything bigger than a 5-10% shift. Maybe that's stupid of me but I'm trying to stay the course.
by zaboomafoozarg
Sun Jan 07, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: CAPE Fear: Why CAPE Naysayers Are Wrong
Replies: 81
Views: 5838

Re: CAPE Fear: Why CAPE Naysayers Are Wrong

I believe that the CAPE is currently around 33.27; apart from that, what is there to "believe"? The US equity market is going to be disappointing relative to what ? Bitcoin? :D For the record I never bought any, and I am reminded of this blunder by people on Facebook and at work just about every day.
by zaboomafoozarg
Fri Jan 05, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 211
Views: 21554

Re: Hitting The Sell Button

I am likely biased here, but it actually shocks me that someone would put their cold hard cash into a taxable mutual fund account. What, 35-40% tax on gains, not counting state taxes? Mutual funds are subject to long term capital gains tax if you hold them more than a year. That is 15% for incomes ...
by zaboomafoozarg
Thu Jan 04, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 211
Views: 21554

Re: Hitting The Sell Button

nedsaid wrote:
Wed Jan 03, 2018 11:24 pm
A nice problem to have but if I was 35 years old, I would simply be enjoying the ride.
I'm 35 but certainly do not enjoy investing new money into stocks at a Shiller PE of 33.

I already changed my AA from 80/20 to 75/25 but still feel uneasy about that.
by zaboomafoozarg
Fri Dec 22, 2017 11:50 pm
Forum: Investing - Theory, News & General
Topic: What is or was your target multiplier (_ x annual expenses) for retirement?
Replies: 41
Views: 5116

Re: What is or was your target multiplier (_ x annual expenses) for retirement?

zaboomafoozarg: 1.5 million at age 45....do you feel confident that is enough? I am nervous about pulling the trigger with a multiplier of 71 at age 41. Well I've never spent more than $30k in a year, so at $1.5M that would be a 50x multiple. But I estimate with insurance costs and inflation $50k p...
by zaboomafoozarg
Fri Dec 22, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: What is or was your target multiplier (_ x annual expenses) for retirement?
Replies: 41
Views: 5116

Re: What is or was your target multiplier (_ x annual expenses) for retirement?

#1: What is (or was for those already retired) your expected multiplier, in regards to annual expenses, for retirement? (assume no pension) A: 3.33% ($50k per year from $1.5M) #2: For those already retired...have you found that your multiplier was sufficient? A: n/a #3: What length of retirement are...
by zaboomafoozarg
Fri Dec 22, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: What's in a name? "Long Island Iced Tea Corp." changes name to "Long Blockchain Corp.", stock price jumps 500%
Replies: 24
Views: 3476

Re: What's in a name? "Long Island Iced Tea Corp." changes name to "Long Blockchain Corp.", stock price jumps 500%

- there's no direct leverage in purchases *unless* people have somehow found a way to buy these on margin - there might be indirect leverage through personal borrowing Yes, there have been some reported cases of personal borrowing and associated loss in yesterday's/today's drop from $19500 to $1100...
by zaboomafoozarg
Thu Dec 21, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: What's in a name? "Long Island Iced Tea Corp." changes name to "Long Blockchain Corp.", stock price jumps 500%
Replies: 24
Views: 3476

What's in a name? "Long Island Iced Tea Corp." changes name to "Long Blockchain Corp.", stock price jumps 500%

When you read today's news and mistake it for a story out of "Extraordinary Popular Delusions and The Madness of Crowds": https://www.marketwatch.com/story/long-island-iced-teas-stock-rockets-nearly-500-after-changing-name-to-long-blockchain-2017-12-21?siteid=yhoof2&yptr=yahoo&mg=prod/accounts-mw Sh...
by zaboomafoozarg
Sun Dec 17, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Diversification: Is there any way to produce the same returns with less risk?
Replies: 52
Views: 5090

Re: Diversification: Is there any way to produce the same returns with less risk?

With a Shiller PE that now matches early 1998 levels, I am thinking long and hard about trying to do more return with less risk. Or maybe just take risk off the table.
by zaboomafoozarg
Sat Dec 09, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 65
Views: 8889

Re: Why is Vanguard switching all accounts to brokerage accounts?

Nate79 wrote:
Fri Dec 08, 2017 7:40 pm
Welcome to the 21st century..... It's not the stone age anymore.
Yeah, I never understood the fearful or angry reactions to getting transitioned to a brokerage account. You still own the same stuff.
by zaboomafoozarg
Sun Dec 03, 2017 1:50 am
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4736

Re: I Can "Afford" This Right? (New Car)

Not worth it from a utility standpoint.

You can definitely afford it though.
by zaboomafoozarg
Fri Dec 01, 2017 11:02 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 20510

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

I don't see how it would affect the stock market particularly either. the tulip bubble was followed by a depression, the .com bust was followed by a recession as was the bursting of the subprime bubble. why will this be different? Depends on how much money has been invested/speculated into BTC if/w...
by zaboomafoozarg
Fri Nov 24, 2017 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 40
Views: 3431

Re: Slice and Dice

I slice-and-dice with size/value/REITs and a little alternatives. But I have conviction issues. I always worry if I'm S&D'ing enough, or overdoing it, or not doing it the right way. Honestly sometimes I wish I could just go back to the way I did things 6 years ago - 50% US stocks, 25% international ...
by zaboomafoozarg
Sat Nov 11, 2017 11:31 pm
Forum: Investing - Theory, News & General
Topic: What percentage in state municipal bonds?
Replies: 9
Views: 986

Re: What percentage in state municipal bonds?

I was debating using Ohio's VOHIX for my taxable bond fund. But I eventually settled on 0% in state bonds and just went with 100% in VWITX.

VWITX is more diversified (7000 bonds vs. 407), intermediate term instead of long term (5.2 years vs. 7 years) and higher quality (23% AAA vs. 8% AAA).
by zaboomafoozarg
Fri Nov 10, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4402

Re: How old are you and what size is your portfolio?

Dale_G wrote:
Fri Nov 10, 2017 12:08 am
I am 80 and have a large portfolio. Is there anyone young with a small portfolio out there that would like to swap both with me?

Dale
I'll trade you 5 years for $5 million :D
by zaboomafoozarg
Thu Nov 09, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4402

Re: How old are you and what size is your portfolio?

EddyB wrote:
Thu Nov 09, 2017 7:27 pm
OP may want to see these results from a few years ago.

viewtopic.php?t=154364
It seems like it's about time to have another one of these.
by zaboomafoozarg
Wed Nov 08, 2017 8:04 pm
Forum: Investing - Theory, News & General
Topic: DFA access
Replies: 30
Views: 3238

Re: DFA access

I don't know of any offering access for a one-time fee, but Meb Faber tweeted yesterday about a roboadvisor offering DFA access for only 25 basis points. See below. Meb Faber‏Verified account @MebFaber Nov 7 Wondered why someone didn't launch a 0.25% DFA roboadvisor...looks like it is now a reality...
by zaboomafoozarg
Fri Nov 03, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 304755

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

ruralavalon wrote:
Fri Nov 03, 2017 4:03 pm
zaboomafoozarg wrote:
Fri Nov 03, 2017 3:52 pm
sambb wrote:
Mon Oct 23, 2017 8:08 pm
What is the main purpose of this thread
It's a brag thread :D
Also it's just kind of interesting.
I agree, it's nice to have one big thread to keep track of it.
by zaboomafoozarg
Fri Nov 03, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 304755

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

sambb wrote:
Mon Oct 23, 2017 8:08 pm
What is the main purpose of this thread
It's a brag thread :D
by zaboomafoozarg
Sat Oct 28, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 19818

Re: Early-retired 35 year old with $1 million

Hate to tell you this, I don't think you have enough to retire unless you live in a very low cost of living area. With 80% stocks, you are also vulnerable to a bear market. Are you really going to live on $30,000 a year? $30k isn't too hard for a single person who doesn't do a lot of expensive stuf...
by zaboomafoozarg
Sat Oct 28, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 19818

Re: Early-retired 35 year old with $1 million

dbr wrote:
Sat Oct 28, 2017 9:41 am
But, of course, the question is now much are you planning on spending?
Agreed, that's the big missing piece of info from the OP.
by zaboomafoozarg
Fri Oct 27, 2017 7:03 am
Forum: Investing - Theory, News & General
Topic: Stocks go up, bonds fall. Stock fall, bonds also fall.
Replies: 51
Views: 5707

Re: Stocks go up, bonds fall. Stock fall, bonds also fall.

Holding a bond fund such as VBTLX doesn't make sense to me either. A ladder of 5-year CDs pays the same interest without the volatility. Not sure under what scenario holding the bond fund would be better, and it can be worse, so I don't bother with that. How am I going to buy the 350k of CDs I woul...
by zaboomafoozarg
Tue Oct 24, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: Long term viability of Real Estate as an asset class
Replies: 38
Views: 3493

Re: Long term viability of Real Estate as an asset class

All of the benefits (leverage, control, inside property and submarket knowledge, fantastic tax benefits, cash-out refinance, 1031 exchange, etc.) and most of the returns are lost going from actual real estate investing to buying a REIT. Gee I wonder why anyone would want to control their own indivi...
by zaboomafoozarg
Sat Oct 21, 2017 8:52 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 6993

Re: Why do I need bonds? (I'm 30)

As long as you won't sell and will keep buying if your portfolio value drops by 55% (like in 2008-2009) or 80% (like in 1929-1932), then 100% stocks is almost certainly the best return long term strategy during the early- to mid-accumulation phase. However, if you've never seen any Bogleheads thread...
by zaboomafoozarg
Tue Oct 17, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 8062

Re: How many miles/years do you keep your car?

I drive Hondas to about 300k miles.
by zaboomafoozarg
Sat Oct 14, 2017 7:46 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 197
Views: 25413

Re: My Favorite Alternative Funds

The main appeal of VRRIX Did you mean SRRIX, the Stone Ridge reinsurance fund? Having worked in insurance and seeing the behavior of reinsurance, I wouldn't consider it bond-like. It was pretty consistently profitable but occasionally had a bad year that was more than the scale of loss you'd see fr...
by zaboomafoozarg
Sun Oct 08, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 16757

Re: Bogle himself is saying we will expect like 3% for the next decades

Yeah, projections like this are really making me start thinking about getting into some real estate, or working even more to grow my side business, or moving more money to bonds, or *something*. The future just looks so bad with valuations and interest rates where they're at, and I think that shovin...
by zaboomafoozarg
Thu Oct 05, 2017 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3741

Re: Pension Now (Age 36) or Later (Age 65)?

How much would your pension pay per year if you didn't do the buyout or lump sum, and instead just received the normal pension payments starting at age 65? Most pension buyouts I've seen have been a better deal for the company than the recipient. If I take it today the payments are $80/month or 960...
by zaboomafoozarg
Wed Oct 04, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 17827

Re: $10 million+ - Still Working and LBYM

The problem with MFs? INCOME. A average 1.5-2% dividend among S&P stocks in a joke. MFs are the 'work for 25-50 years' plan. Nothing wrong with that but that's what it is. Stocks don't pay you any income. And the paltry dividend they pay you, it's either taxed heavily or locked in a retirement acco...
by zaboomafoozarg
Wed Oct 04, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 7128

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

Hypthothesis 2: You can withdraw 1% from S&P500 portfolio for 30 years and never run out of money. Can not be proven false by backtesting. But it can not be proven to be true. No No No! You are a heretic. The 4% rule is holy writ, a law of nature that can't under any circumstances be questioned or ...
by zaboomafoozarg
Wed Oct 04, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3741

Re: Pension Now (Age 36) or Later (Age 65)?

How much would your pension pay per year if you didn't do the buyout or lump sum, and instead just received the normal pension payments starting at age 65?

Most pension buyouts I've seen have been a better deal for the company than the recipient.
by zaboomafoozarg
Wed Oct 04, 2017 12:35 am
Forum: Investing - Theory, News & General
Topic: business owner, what is your income from business and how did you get into successfully business, what's your networth?
Replies: 17
Views: 2567

Re: business owner, what is your income from business and how did you get into successfully business, what's your networ

Are you trolling? Used car business? Really? My uncle actually does that, he's a used car dealer part-time in a partnership with another guy. Seems to enjoy it since he likes cars, but it does eat up most of his weekends. From what I've gathered he thinks it's worth the time and effort, but it hasn...
by zaboomafoozarg
Sun Sep 24, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Research Affiliated Model Portfolios: ZERO % US stocks
Replies: 46
Views: 5159

Re: Research Associates Model Portfolios: ZERO % US stocks

Is anyone in this forum moving away/cutting down US stocks given its very high PE10? I've gradually transitioned my US/Int'l allocation from 75/25 to 60/40 over the past few years as US PE ratios have climbed. 60/40 is about as far as I'm willing to take it. But I'd have about $20k more net worth i...
by zaboomafoozarg
Mon Sep 18, 2017 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29957

Re: Wow, Vanguard Flagship service is bad. Really bad. Still bad!

Without getting into minute detail, I had asked to have some details added to a confirmation statement... Please do get into the minute detail about how you wanted your confirmation statement customized. LOL, I don't think Vanguard would customize the confirmation statement for John Bogle himself.
by zaboomafoozarg
Sun Sep 17, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 4657

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

Unless you are really tall over 6'5 or big over 200 pounds, just doesn't make sense to pay the extra expense or points for first class. I am big and tall enough that coach seats are painful after a few hours, but premium economy provides enough room that I don't have to splurge on business class. I...
by zaboomafoozarg
Sun Sep 17, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: 401k's are for sheeple! According to some guy.
Replies: 19
Views: 2691

Re: 401k's are for sheeple! According to some guy.

Ah yeah, I know a couple of Grant Cardone followers. They're both putting all available money into real estate, and have told me that investing in stocks and bonds is for "poor people". Whatever, I'll still be financially independent by 45, and I won't have to deal with tenants or repairs.
by zaboomafoozarg
Sun Sep 03, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 39200

Re: Michael Kitces 4% rule podcast on Madfientist

I'd be confident in a 4% SWR if the PE10 at retirement time was less than 15.

But above 25? No way. I'll be shooting for a 2.5% or 3% SWR, separate from pension and SS.
by zaboomafoozarg
Sun Aug 27, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 263
Views: 36759

Re: What is Bitcoin?

I'm hearing multiple people (not here, but from other financial sites and some real-life friends) tell me that investing in bitcoin is a surefire path to riches, and if I don't buy in then I'll be left behind as normal money becomes worthless. There's no doubt that it has made many people rich, incl...
by zaboomafoozarg
Sun Aug 27, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 43
Views: 3083

Re: factor based investing

"A source of great consternation on bogleheads.org"
by zaboomafoozarg
Sat Aug 19, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 8771

Re: IBonds: My worst bond investment over the last 5 years

I bought $5,000 in I bonds at the end of 2011. It is now worth $5,450.00. If I had spent that $5,000 on BND (Total Bond Market) instead, it would be worth $5,708.55. If I had spent that $5,000 on VTI (Total US Stock Market) instead, it would be worth $10,765.11. And If I had spent that $5,000 on bit...
by zaboomafoozarg
Wed Aug 16, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 6781

Re: Plan for making child pay for part of college

I was given the ultimatum: get scholarships for college or you'll pay for it yourself.

So I studied for the ACT 20-30 hours a week during the summer, aced it and got a full tuition scholarship at a state school, close enough that I could live at home so I didn't have to pay for room and board.
by zaboomafoozarg
Tue Aug 15, 2017 9:46 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2605

Re: what was the actual return of BND last year?

It shows that BND in the face of news of rising rates, which we have known for a couple of years now, still beats being parked in a MMF. Not by a lot. And it depends on the price of BND at the time you're going to sell as well. From 8/16 to 8/17, BND had a share price dip in the middle but has clim...
by zaboomafoozarg
Tue Aug 15, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2605

Re: what was the actual return of BND last year?

Open to critics on this. I would like to think I could do better with the bond fund, but any fund carries duration risk. The MMF does not. If you are making purchases regularly (say bimonthly or monthly), then the fluctuation in prices can make for better buying opportunities and possibly better re...
by zaboomafoozarg
Tue Aug 15, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2605

Re: what was the actual return of BND last year?

BND return was 2.57% for 2016 per Morningstar's data.
by zaboomafoozarg
Tue Aug 15, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 42
Views: 5831

Re: What a Low Return Outlook Means for Your Retirement?

So based on the last chart in that article, I should be planning for a 2% safe withdrawal rate instead of a 3%. :shock:

Awesome :oops:

Still, I think I could get there by 55 if I continue to save 50-60% of income and do work on the side.
by zaboomafoozarg
Sun Aug 13, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 2959

Re: One more year

I find that as I get older, the variety of things I can do other than work (mostly athletic) seems to be declining. I'm very curious what people intend to do in retirement. When I was 20 I thought retirement would be awesome. Now I'm wary of it. I'm trying to get to retirement by age 45 so I can st...
by zaboomafoozarg
Sat Aug 05, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 12312

Re: Your "at peace" moments.

Watching ASMR videos on YouTube is super relaxing for me. It's inexplicable, but it works.