Search found 1687 matches

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: 5628

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: 5223

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: 5223

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: 26
Views: 4565

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: 462

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: 7700

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: 6027

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: 6027

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: 391
Views: 90356

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: 3284
Views: 788716

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: 3284
Views: 788716

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!
by zaboomafoozarg
Wed Nov 02, 2016 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 11862

Re: Health Insurance rates went up

Health Insurance rates went up Yep they sure did. My parents are now up to 20% of their income for the health insurance premium and another 20% for the deductible. It's sad, but they can't wait until they're old enough to receive Medicare. They avoid doctors visits unless it's an emergency because ...
by zaboomafoozarg
Tue Nov 01, 2016 4:32 am
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 6576

Re: Barron's article: Get ready for sub-5% returns

Oh I've been ready for lower returns for years. I fully expect to not see anything more than 3% real in my lifetime.
by zaboomafoozarg
Sun Oct 23, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: Car dealer "Internet Sales Department" - Useless?
Replies: 58
Views: 5649

Re: Car dealer "Internet Sales Department" - Useless?

To buy my last car, I sent emails to 18 car dealerships requesting a quote for the total out-the-door price of the make/model/trim I wanted. Of those 18 dealers 10 didn't respond, 5 explained to me why giving an email quote "just isn't possible", and 3 gave me actual prices. I followed up ...
by zaboomafoozarg
Sun Oct 23, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Aldi doesn't accept phone calls
Replies: 36
Views: 4263

Re: Aldi doesn't accept phone calls

I don't understand the appeal of Aldi's. I know they are cheap That is the appeal of Aldi's. I grew up eating their food, so I still get most of it there. Whatever I can't get there I just go to Walmart for. I end up saving probably 30-40% on groceries by shopping there. I am annoyed they don't tak...
by zaboomafoozarg
Sun Oct 23, 2016 12:05 pm
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5475

Re: Who disagrees with Jack. . .

Petrocelli wrote:I don't like his watch.


[Animated image removed by Mod Mel]
by zaboomafoozarg
Sat Oct 22, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 6089

Re: Cheapskate for not flying business class?

I'm using business class as an incentive to make and save more money.

If I ever get to a net worth of $3M then I'm allowed to fly business class once per year.
by zaboomafoozarg
Sat Oct 22, 2016 10:53 am
Forum: Investing - Theory, News & General
Topic: Complete this sentence
Replies: 17
Views: 1386

Re: Complete this sentence

... are a millionaire by the time you're 40.
by zaboomafoozarg
Thu Oct 13, 2016 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads use Robo Advisors?
Replies: 39
Views: 3822

Re: Do Bogleheads use Robo Advisors?

Nah, I have too many accounts and a robo-advisor wouldn't be able to coordinate between them all.
by zaboomafoozarg
Thu Oct 13, 2016 9:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3284
Views: 788716

Re: U.S. stocks in freefall

gks wrote:I always look for this thread during bad times and thought I may have missed a RBD to invest, but saw it was a non-event.


It has been prophesied that the RBDs will not return until livesoft does.
by zaboomafoozarg
Tue Oct 11, 2016 8:24 am
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 25545

Re: QSPIX Nightmare - Closed Off to Retail Investors

Ah, I didn't know that. At one time it seemed like this wasn't the case anywhere, unless you were tied to some sort of advisor associated with AQR. So that's good for people holding their I-class shares of AQR funds at Fidelity. Nice to know it works both there and at Vanguard. What kind of fees do...
by zaboomafoozarg
Mon Oct 10, 2016 7:48 pm
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 181
Views: 25545

Re: QSPIX Nightmare - Closed Off to Retail Investors

It is once again possible to buy QSPIX at Fidelity. I just did it last week. But I already had shares there which I'd purchased before the close date.
by zaboomafoozarg
Mon Oct 10, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Tattoo Costs and Removal
Replies: 39
Views: 3466

Re: Tattoo Costs and Removal

Henna tattoo, removal is free.
by zaboomafoozarg
Mon Oct 10, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Unplugging Treadmill after every use
Replies: 21
Views: 1813

Re: Unplugging Treadmill after every use

It is probably because some treadmills do not often handle power surges well. My last treadmill was fried by a power outage that didn't damage anything else in the house. And of course the treadmill warranty had just expired, and they wanted about 75% of the cost of the treadmill to fix it. So I jus...
by zaboomafoozarg
Mon Oct 10, 2016 8:16 am
Forum: Investing - Theory, News & General
Topic: mega backdoor Roth
Replies: 8
Views: 1235

Re: mega backdoor Roth

This is fantastic and not confusing at all, thank you sooo much for all that info. I have been reading all the old mega backdoor Roth posts, but have yet to find this exact info, and this is what I really was looking for. Thanks again for the very detailed post, it helps! Agreed, it is very helpful...
by zaboomafoozarg
Sun Oct 09, 2016 11:07 pm
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 7177

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

Same here. My son's on a travel baseball team with players from some rural areas and it's sometimes uncomfortable pulling up to practice in a car that cost more than their houses. But this is America, so I've always said if you only have yourself to blame if you're not making a lot of money. Hopefu...
by zaboomafoozarg
Sun Oct 09, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 7177

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

You don't need to buy a luxury brand to get a pretty luxurious car. I rented a Toyota Avalon and was blown away at how nice the ride and interior were.
by zaboomafoozarg
Sat Oct 08, 2016 9:54 pm
Forum: Investing - Theory, News & General
Topic: How To Retire Comfortably With Just $500,000
Replies: 44
Views: 9292

Re: How To Retire Comfortably With Just $500,000

$500k is way more than any relatives of mine have ever retired with.

Of course they have typically held very high bond allocations - real bonds, not dividend stocks.
by zaboomafoozarg
Fri Oct 07, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: Depression investments corrected
Replies: 23
Views: 2198

Re: Depression investments

I Bonds

and Prozac
by zaboomafoozarg
Fri Oct 07, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: mega backdoor Roth
Replies: 8
Views: 1235

Re: mega backdoor Roth

1, do you have to max out pre-tax (18k) limit first, before you can contribute after tax contributions? Neither of my mega-backdoor-enabled 401k plans required maxing out the annual traditional or Roth contributions before after-tax contributions could start. I just choose separate contributions am...
by zaboomafoozarg
Sun Oct 02, 2016 11:54 am
Forum: Investing - Theory, News & General
Topic: Average stock returns over next 50 years
Replies: 11
Views: 1994

Re: Average stock returns over next 50 years

I use 2% real return for global equities and 0% for global bonds for the next 50 years.
by zaboomafoozarg
Sat Oct 01, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 17251

Re: Net Worth Milestone Today - $1.5M

I wasn't even born in the ballgame, much less one of the bases andI went from negative -$40K in 1992 to $700K in 1999, while making no more than $70Kyear in earned income. If you look at the timefame you can probably guess. Awesome! You still had to save a lot of that income then, which most people...
by zaboomafoozarg
Fri Sep 30, 2016 8:04 am
Forum: Investing - Theory, News & General
Topic: Anybody using Rick Ferri's "Total Economy Portfolio"?
Replies: 27
Views: 3938

Re: Anybody using Rick Ferri's "Total Economy Portfolio"?

anonyvestor wrote:No

25% SCV???

This sounds like chasing returns to me. Or if not, why is Rick the only one who sees it?


He's not the only one. Larry Swedroe's suggested portfolios tilt heavily to SCV. Also, Trev H's portfolio is 25% SV: viewtopic.php?t=38374
by zaboomafoozarg
Wed Sep 28, 2016 4:43 pm
Forum: Investing - Theory, News & General
Topic: Anybody using Rick Ferri's "Total Economy Portfolio"?
Replies: 27
Views: 3938

Re: Anybody using Rick Ferri's "Total Economy Portfolio"?

I've used this portfolio (20% SCV, 10% REITs) for about 5 years. Works for me, no plans to change it.
by zaboomafoozarg
Sun Sep 25, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: When (or whether) to have a second child
Replies: 37
Views: 3994

Re: When (or whether) to have a second child

If you do have a second kid it would be fun to show them this thread. That way he or she can thank the internet strangers who indirectly played a part in his or her existence :D
by zaboomafoozarg
Sun Sep 25, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 17251

Re: Net Worth Milestone Today - $1.5M

Congratulations! I can't wait until I hit $1.5M, as that's my planned stopping point for getting out of the daily grind.
by zaboomafoozarg
Fri Sep 16, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Keys to a Successful Retirement
Replies: 55
Views: 7034

Re: Keys to a Successful Retirement

B0bL0blawsLawBl0g wrote:Hey I know I'm just a (relatively) young whippersnapper, and I still have a lot to learn, but I'll be damned if I'm gonna be working until I'm 64! No thanks!


That's a low blow, Loblaw.
by zaboomafoozarg
Thu Sep 15, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Keys to a Successful Retirement
Replies: 55
Views: 7034

Re: Keys to a Successful Retirement

I'll take the risks of retiring at 46 instead of 64.
by zaboomafoozarg
Fri Sep 02, 2016 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 348
Views: 64859

Re: Anyone regret paying off mortgage early?

mptfan wrote:If we can't continue to debate the merits of paying off a mortgage early, what is there left to talk about??
:-(


The merits of buying a Tesla or a $5,000 watch? :D
by zaboomafoozarg
Fri Sep 02, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: How Much Cash for Wedding Gift?
Replies: 45
Views: 3491

Re: How Much Cash for Wedding Gift?

i've always given $50.
by zaboomafoozarg
Fri Sep 02, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 12300

Re: Which city to start early retirement?

I'm planning to ER in northeast Ohio. Crime and property taxes aren't much of an issue once you go far enough east or west of Cleveland.

Slightly warmer weather would be nice though.
by zaboomafoozarg
Sat Aug 27, 2016 12:44 pm
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 9182

Re: Fidelity competing harder w/Vanguard

I transferred my IRA from VG to Fidelity earlier this year. It got me a $150 match bonus on my contributions for the next 3 years, and ITOT and IXUS and AGG replace VTI and VXUS and BND within a basis point of ER.
by zaboomafoozarg
Tue Aug 16, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Editing shortcut emacs-like keys. Do u use them?
Replies: 26
Views: 1471

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

I write my posts in vim and then copy them into the browser. :P
by zaboomafoozarg
Sun Aug 07, 2016 12:02 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 193
Views: 17544

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have thought about converting my taxable VG account from admiral shares to ETFs, then transferring to Fidelity for the 50k bonus miles.
by zaboomafoozarg
Sat Aug 06, 2016 9:34 am
Forum: Investing - Theory, News & General
Topic: Help me simply understand why Bonds now?
Replies: 50
Views: 6174

Re: Flight to Safety.

cfs wrote:Where have all the "Why bonds" conversations gone?


These conversations tend to go away when the question is answered by contrary experience, even if it is in the short term.

Total US and total international bond fund prices are up about 6% so far in 2016.
by zaboomafoozarg
Mon Aug 01, 2016 8:39 pm
Forum: Investing - Theory, News & General
Topic: I'd like to set up an alert for when the market drops.. tips?
Replies: 12
Views: 1222

Re: I'd like to set up an alert for when the market drops.. tips?

Write a script that checks page 1 of this subforum for one of the following criteria:

1. a post title containing the text "RBD?"

2. the presence of this thread: U.S. stocks in freefall

:D
by zaboomafoozarg
Sun Jul 31, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: What is a modest retirement (definition)?
Replies: 66
Views: 6675

Re: What is a modest retirement (definition)?

Based on almost everyone I am related to, modest retirement = paid off house + Social Security + $5-10k per year from IRAs or pensions.
by zaboomafoozarg
Sat Jul 30, 2016 3:34 pm
Forum: Investing - Theory, News & General
Topic: are the markets overvalued? Are Grantham/Hussman etal correct?
Replies: 222
Views: 15084

Re: are the markets overvalued? Are Grantham/Hussman etal correct?

nedsaid wrote:Bogle in that interview was talking about the late 1990's.


Ahh OK, that makes sense. I wish I was able to buy bonds back then :(

Then again, I probably would have wanted to buy tech stocks instead :D
by zaboomafoozarg
Sat Jul 30, 2016 3:11 pm
Forum: Investing - Theory, News & General
Topic: are the markets overvalued? Are Grantham/Hussman etal correct?
Replies: 222
Views: 15084

Re: are the markets overvalued? Are Grantham/Hussman etal correct?

Taylor, I saw Mr. Bogle talk about this on a Morningstar Interview. He did do a calculation of future expected returns for both stocks and bonds. He said that the future expected returns of stocks were low and specifically said that bonds were the steal of the century. He did specifically talk abou...
by zaboomafoozarg
Fri Jul 29, 2016 1:35 pm
Forum: Investing - Theory, News & General
Topic: are the markets overvalued? Are Grantham/Hussman etal correct?
Replies: 222
Views: 15084

Re: are the markets overvalued? Are Grantham/Hussman etal correct?

4% is a number that works even if we get the WORST results from the past, which is much lower than the AVERAGE. But the present situation looks much different than the average. Stocks are more expensive, bonds are more expensive, population isn't growing as much, economies aren't growing as much, p...

Go to advanced search