Search found 1658 matches

by zaboomafoozarg
Sun Sep 25, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: When (or whether) to have a second child
Replies: 26
Views: 2189

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: 67
Views: 7396

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: 6512

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: 6512

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: 61977

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: 3235

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: 11321

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: 8848

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: 1288

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: 80
Views: 6392

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: 6021

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: 1136

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: 6426

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: 14282

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: 14282

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: 14282

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...
by zaboomafoozarg
Thu Jul 28, 2016 11:08 pm
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 139
Views: 14855

Re: What rate of return do you use when planning for retirement?

2% real for equities and 0% real for bonds for the rest of my life.
by zaboomafoozarg
Thu Jul 28, 2016 10:46 pm
Forum: Investing - Theory, News & General
Topic: are the markets overvalued? Are Grantham/Hussman etal correct?
Replies: 222
Views: 14282

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

Threads like this depress me. But I'd rather be depressed and prepared than happily oblivious and unprepared.
by zaboomafoozarg
Thu Jul 28, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: How can markets keep going up ?
Replies: 131
Views: 9451

Re: How can markets keep going up ?

coachz wrote:56 yrs old and huge homestar runner fan. teen girl squad. the ugly one !


Awesome! It came out when I was in college and me and my buddies were huge fans.
by zaboomafoozarg
Wed Jul 27, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: How can markets keep going up ?
Replies: 131
Views: 9451

Re: How can markets keep going up ?

coachz wrote:I'm old


Can't be that old if you know who Coach Z is! Unless you're the oldest person who ever watched Homestar. :happy
by zaboomafoozarg
Wed Jul 27, 2016 1:28 pm
Forum: Investing - Theory, News & General
Topic: How can markets keep going up ?
Replies: 131
Views: 9451

Re: How can markets keep going up ?

You've been a member for 9 years and are just now asking this?

:D
by zaboomafoozarg
Sun Jul 24, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: What type of new driveway should I get?
Replies: 21
Views: 2428

Re: What type of new driveway should I get?

Always just had stone driveways because they're the cheapest.
by zaboomafoozarg
Sun Jul 24, 2016 9:47 pm
Forum: Investing - Theory, News & General
Topic: Help me understand the recommendation for international stocks
Replies: 22
Views: 2073

Re: Help me understand the recommendation for international stocks

Fancy predictions indicate that we can expect the US stock market to return 1% real per year over the next 10 years, but the international market to return about 6% real over the same time period. https://www.researchaffiliates.com/AssetAllocation/Pages/Core-Overview.aspx Now whether or not that com...
by zaboomafoozarg
Sun Jul 24, 2016 1:44 pm
Forum: Investing - Theory, News & General
Topic: King Solomon was the original Boglehead - historically speaking
Replies: 28
Views: 1959

Re: King Solomon was the original Boglehead - historically speaking

Johnnie wrote:Earlier Boglites? Didn't Pharaoh have a "seven years of grain in storage" policy? Pharaohs preceded Kings of Israel.


Yep, the book of Genesis mentioned Joseph doing that while in Egypt.
by zaboomafoozarg
Sun Jul 24, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: King Solomon was the original Boglehead - historically speaking
Replies: 28
Views: 1959

Re: King Solomon was the original Boglehead - historically speaking

"Meaningless, meaningless," says the teacher, "Utterly meaningless! Everything is meaningless."
by zaboomafoozarg
Sun Jul 24, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers
Replies: 70
Views: 9344

Re: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers

garlandwhizzer wrote:According to the US Bureau of Labor Statistics worker productivity growth has been in decline for a decade at present and is currently about 1%/yr and still going down.


reddit.com was invented 11 years ago. Coincidence? I think not :D
by zaboomafoozarg
Sun Jul 24, 2016 1:28 pm
Forum: Investing - Theory, News & General
Topic: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers
Replies: 70
Views: 9344

Re: Trying the Impossible - Financing 30-Year Retirements with 40-Year Careers

nisiprius wrote:If it is impossible to finance a thirty-year retirement with a forty-year career, then there cannot be any such thing as a retired professional athletes.


I think they may be saying that it's impossible for a society as a whole to support this, instead of just individuals.
by zaboomafoozarg
Sat Jul 23, 2016 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?
Replies: 32
Views: 3119

Re: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?

In the long run- over decades- it matters very little. Exactly, it doesn't really matter. I calculated the difference between yearly vs. monthly over a couple decades for different time spans, and it never seemed to make more than a few percent difference in total returns. And one was not consisten...
by zaboomafoozarg
Sat Jul 23, 2016 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade and Stock Splits
Replies: 3
Views: 270

Re: Scottrade and Stock Splits

The same thing is happening with ITOT in Fidelity today.
by zaboomafoozarg
Fri Jul 22, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 15342

Re: Early retirees, how much did you leave on the table?

Dutch wrote:
livesoft wrote:Suppose I have a $100 million portfolio.


Oh please


Hey, at least we know who blows the curve on the annual net worth surveys :D
by zaboomafoozarg
Fri Jul 22, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 15342

Re: Early retirees, how much did you leave on the table?

tbradnc wrote:$2253.34.

:)


Found the big tipper!
by zaboomafoozarg
Fri Jul 22, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 15342

Re: Early retirees, how much did you leave on the table?

I am not ER'd but recently did a calculation with 2 possible retirement ages, given my expected assets/pensions/SS for each scenario. By ER'ing at 45, I'd expect to be able to spend $50k per year until age 90. By retiring at the normal age of 67, I'd expect to be able to spend $350k per year until a...
by zaboomafoozarg
Wed Jul 20, 2016 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy to hold (BNDX) International Bonds?
Replies: 39
Views: 2469

Re: Crazy to hold (BNDX) International Bonds?

I dunno, I allocate 25% of my bonds to BNDX and I manage to sleep at night.

And their CAGR has been about 33% more than BND since I bought them. Yes, yes, I know, outcome vs strategy.
by zaboomafoozarg
Wed Jul 20, 2016 5:14 pm
Forum: Investing - Theory, News & General
Topic: NY Times article-Shiller on land and homes
Replies: 18
Views: 2770

Re: NY Times article-Shiller on land and homes

I don't really care what happened with homes 100 years ago when you had to pay cash and much of America was rural. He also looked at farm land which meant nothing to me. 90%+ of America is still rural, by land area. I've considered buying a few fields to rent for farmland, but never to build houses...
by zaboomafoozarg
Wed Jul 20, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 42
Views: 4525

Re: Are you feeling uncomfortable?

Yeah, I just ate too much Taco Bell.

Oh, investments you say?

Nah, I'm good.
by zaboomafoozarg
Mon Jul 18, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 29496

Re: 23 year old... Can I afford a Rolex?

As much as I think a $5k watch is silly...

if I was forced to choose between exercising until I looked like a bodybuilder or buying a $5k watch, I'd buy the watch :D
by zaboomafoozarg
Sat Jul 16, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 29496

Re: 23 year old... Can I afford a Rolex?

I'd be worried sick if I wore something that cost $5k or more.
by zaboomafoozarg
Sat Jul 16, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 123
Views: 8693

Re: What kind of car do Bogleheads like to drive?

Any kind of car, as long as it's a Honda.
by zaboomafoozarg
Fri Jul 15, 2016 10:23 pm
Forum: Investing - Theory, News & General
Topic: Do You Practice Ethical Investing?
Replies: 47
Views: 2133

Re: Do You Practice Ethical Investing?

Nope, I buy the whole market and then donate money and time to things I care about.
by zaboomafoozarg
Fri Jul 15, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3915

Re: Do you have any retiree healthcare benefit from your employer?

If I stay around until 55, I'll have retiree healthcare benefits.

I really don't want to work until I'm 55, but I might if the healthcare situation is bad in 10-15 years.
by zaboomafoozarg
Fri Jul 15, 2016 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yodlee Aggregator not working
Replies: 17
Views: 1083

Re: Vanguard Yodlee Aggregator not working

Vanguard hasn't ever given me the option to use it, from what I can tell.
by zaboomafoozarg
Thu Jul 14, 2016 8:47 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Sorry, You're Just Going To Have To Save More Money
Replies: 16
Views: 4064

Re: Jason Zweig: Sorry, You're Just Going To Have To Save More Money

I hope maybe things will get better in 20 or 30 years or so.
by zaboomafoozarg
Wed Jul 13, 2016 3:07 pm
Forum: Investing - Theory, News & General
Topic: QSPIX accessible in Fidelity IRA?
Replies: 7
Views: 579

Re: QSPIX accessible in Fidelity IRA?

I transferred some QSPIX to Fidelity, but can't buy any more.

I can buy QSPNX there though.
by zaboomafoozarg
Sun Jul 10, 2016 8:45 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Gold: It's Still a Pet Rock
Replies: 11
Views: 1520

Re: Jason Zweig: Gold: It's Still a Pet Rock

It might not have a good rate of return, but it's kind of fun to hold! And it's a decent way to learn some history, albeit more expensive than wikipedia. It certainly feels more real than wikipedia.

From the Byzantine empire in 650 AD:

Image
by zaboomafoozarg
Sun Jul 10, 2016 12:23 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5850

Re: What's your asset allocation and why?

Retirement funds AA: 35.0% - US total market 10.0% - US small cap value 5.0% - US REITs 17.5% - Int'l total market 5.0% - Int'l small cap 2.5% - Int'l REITs/real estate 15.0% - US total bonds 5.0% - Int'l total bonds 5.0% - alternatives (QSPIX) In addition, I keep some short-to-mid savings in I Bond...
by zaboomafoozarg
Sat Jul 09, 2016 11:22 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5850

Re: What's your asset allocation and why?

Crushtheturtle wrote:With due respect to investors much wiser than me, I believe bonds to be little more than emotional "security blankets."


Efficient frontier != emotional security blanket.
by zaboomafoozarg
Fri Jul 08, 2016 8:58 am
Forum: Investing - Theory, News & General
Topic: What Portfolio analysis tool do you use?
Replies: 22
Views: 1474

Re: What Portfolio analysis tool do you use?

livesoft wrote:And when do you know when to stop analyzing?


And who analyzes the analyzer? :D
by zaboomafoozarg
Thu Jul 07, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: Monetary policy is (barely) carrying the world
Replies: 29
Views: 1709

Re: Monetary policy is (barely) carrying the world

Meh, this is depressing. I think the only shot at retiring might come from making a lot more money.
by zaboomafoozarg
Thu Jul 07, 2016 5:10 pm
Forum: Investing - Theory, News & General
Topic: Monetary policy is (barely) carrying the world
Replies: 29
Views: 1709

Re: Monetary policy is (barely) carrying the world

This is why I plan for 2%/0% real stock/bond returns for the rest of my life. The golden days are most likely over.

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