Search found 1736 matches

by zaboomafoozarg
Sat Apr 22, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 323
Views: 32243

Re: Larry Swedroe says "Goodby."

I miss Rick and will miss Larry too. Both had insightful writings that were worth reading.
by zaboomafoozarg
Mon Apr 17, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Investors backing off their equity AA primarily due to 8-year bull market?
Replies: 56
Views: 4505

Re: Investors backing off their equity AA primarily due to 8-year bull market?

Random Walker wrote:Zaboomafoozarg,
That 18% is composed of 9% QSPRX AQR Style Premia, 3% QMHRX AQR Managed Futures, 4% LENDX Alternative Lending, 2% SSRIX Reinsurance.

Dave


Interesting, thanks. Did you need an advisor to buy the Stone Ridge funds?
by zaboomafoozarg
Sun Apr 16, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: Investors backing off their equity AA primarily due to 8-year bull market?
Replies: 56
Views: 4505

Re: Investors backing off their equity AA primarily due to 8-year bull market?

Random Walker wrote:Now I am 47% equities/35% bonds/18% weakly correlated alternatives with equity like expected returns but expected lower volatility.


Just curious, which alternatives did you go with? Right now I only have a small slice of AQR style premia.
by zaboomafoozarg
Wed Apr 12, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: Future Return - Siegel vs “new normal”
Replies: 21
Views: 2315

Re: Future Return - Siegel vs “new normal”

My plans assume that future returns will never reach previous levels and the new normal will give us 4-5% nominal returns for the rest of my lifetime.
by zaboomafoozarg
Mon Apr 03, 2017 9:58 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 13346

Re: Social Security for Millennials

How do you plan to compensate for this 21% shortfall in Social Security retirement benefits as dictated by current law? My plan is to earn enough over my whole career to get to the second bend point of the SSA calculation (about $2M), and then discount my stated payout of SS to about 50%. I don't e...
by zaboomafoozarg
Sun Apr 02, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23459

Re: Low-earners- What is your profession?

Just for informational purposes, currently the median household income in the U.S. is about $56k. This is a pretty humorous thread. Folks making just under $100K calling it "low-income"? Our family makes much less, and we aren't low income. Please change the title. It's low income for thi...
by zaboomafoozarg
Mon Mar 20, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 38
Views: 4932

Re: Anyone taken a mid-career sabbatical?

I would love to do it, but I know I never will.
by zaboomafoozarg
Sat Mar 11, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: On Buying Used Cars and Using a Financial Advisor
Replies: 51
Views: 3509

Re: On Buying Used Cars and Using a Financial Advisor

Gee whiz, are there any robots out there with access to DFA? I wish. I'd probably pay up .25% for such a robot. I've heard that fee-only advisors like FPL Capital and Cardiff Park can make DFA funds accessible for pretty low percentage, provided you have enough money invested. FPL Capital's website...
by zaboomafoozarg
Sun Mar 05, 2017 12:25 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 114
Views: 9154

Re: Does anyone own gold?

My father had bought 11 rare gold coins, worth more that it's weight in gold. He died when I was 11 years old and I inherited the coins which were worth more than a $ 1000 a piece. I kept them hidden and wrapped up and at one point they were gone except for one. Our son, 4 at the time told us that ...
by zaboomafoozarg
Tue Feb 28, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: saving for european vacay in 2055
Replies: 31
Views: 2664

Re: saving for european vacay in 2055

Maverick3320 wrote:I clicked on this thinking that for sure 2055 was a typo....nope, it's not.


#JustBogleheadsThings
by zaboomafoozarg
Sun Feb 26, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 7532

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: 4077

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: 9319

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: 320

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: 5018

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: 342
Views: 22258

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: 10008

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: 10008

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: 2439

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: 3824

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: 3035

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: 1308

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: 6565

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: 11045

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: 11045

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: 6565

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: 10374

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: 5443

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: 17730

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: 17730

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: 4426

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: 7430

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: 164
Views: 12922

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: 6350

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: 29354

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: 29354

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: 29354

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: 5820

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: 214149

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: 3040

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: 3040

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: 1808

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: 1808

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: 9476

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: 5968

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: 4327

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: 4327

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: 4327

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: 10225

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: 6985

Re: What percentage of international do you hold?

40% international in stocks, 25% international in bonds

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