Search found 1755 matches

by zaboomafoozarg
Tue Jun 20, 2017 10:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3891

Re: Vanguard risk tolerance survey blunder.

How is an astute investor supposed to answer a question like this? I've heard before that astute investors don't take risk tolerance surveys to measure their risk tolerance, they take them to make fun of the surveys... ... and the people who make the surveys, and the people who take the surveys wit...
by zaboomafoozarg
Sun Jun 18, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 84
Views: 5528

Re: Your Favorite Portfolio Tilts

70% total market, 20% small value and 10% REITs. There are many tilts like it, but this one is mine. I think your combination is the best one in this thread. Haha, thanks. The asset allocation I got from Rick Ferri, with the small value as a substitute for small business and REITs as a substitute f...
by zaboomafoozarg
Sat Jun 17, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 84
Views: 5528

Re: Your Favorite Portfolio Tilts

70% total market, 20% small value and 10% REITs.

There are many tilts like it, but this one is mine.
by zaboomafoozarg
Fri Jun 16, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: FireCalc: Equities almost 70% for a 20 year term???
Replies: 43
Views: 3545

Re: FireCalc: Equities almost 70% for a 20 year term???

FireCalc defaults to an allocation of 75/25, which is what I plan on staying at for the rest of my life.
by zaboomafoozarg
Fri Jun 09, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10060

Re: Jim Rogers predicting "crash of a lifetime" this year or next

LOL, Henry Blodget's in that video! I haven't seen him since he was hawking almost every tech stock in existence during the dot-com days.

Edit: so Rogers is predicting the collapse of western civilization starting in the next year. Oooookay.
by zaboomafoozarg
Sun Jun 04, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 8606

Re: Everything keeps going up, this feels too easy?

TheTimeLord wrote:The FEAR in this forum has become palpable in the past week or so. I am sure lots of BH have their personal theories as to why.


Maybe because PE10 is 29.88 right now, and the only other times it's been that high before were 1929 and 1998.
by zaboomafoozarg
Sat Jun 03, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 4159

Re: How do you fight the urge to micromanage?

I allow myself to micromanage 10% of my portfolio. The other 90% just stays the same.
by zaboomafoozarg
Mon May 29, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: 20 percent international
Replies: 29
Views: 2813

Re: 20 percent international

Nova1967 wrote:I never thought of it that way I just assumed 20% INT was 20% of the entire portfolio


If I see 20 INT then I assume we're talking D&D :D
by zaboomafoozarg
Sat May 27, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on (fear of?) investing: money won vs. money earned
Replies: 27
Views: 1956

Re: Thoughts on (fear of?) investing: money won vs. money earned

Sounds like you need an Investment Policy Statement. Decide what you want your emergency savings to be and put the rest to work at your desired AA. Sometimes I think I need an Enjoyment Policy Statement. My Investment Policy Statement doesn't care about enjoyment, just that every spare penny gets i...
by zaboomafoozarg
Sun May 21, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12948

Re: For those with $500k-$1m in investments...

But looking at the population as a whole made me feel much better about where I am. Hanging around here doesn't always make me feel so. Agreed, I felt way more optimistic about my situation and my future before joining this forum. Of course it was out of ignorance, but sometimes I yearn for that ha...
by zaboomafoozarg
Sun May 21, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 915652

Re: U.S. stocks in freefall

JonnyDVM wrote:Don't ruin the thread,just let it go. How can you guys lose focus at a time like this?


I absolutely agree, this thread is a national treasure!

Image
by zaboomafoozarg
Sat May 20, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Who's into Bitcoin, Altcoins, ICO etc?
Replies: 49
Views: 3544

Re: Who's into Bitcoin, Altcoins, ICO etc?

I'm not in them, but a former classmate of mine retired before 30 because he invested all of his savings in them about 5 years ago.
by zaboomafoozarg
Fri May 19, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12948

Re: For those with $500k-$1m in investments...

30% in taxable. I invest $10k in taxable every year, to help parents with upcoming retirement.
by zaboomafoozarg
Wed May 10, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1351
Views: 233292

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

I like to read this thread because it shows that people often don't have a legitimate calculation for YTD of their portfolio. Often they report for a single account such as a Roth or a 401(k) instead of for the entire portfolio including the 2 to 10 years of cash cushion they have. So, a good sourc...
by zaboomafoozarg
Sun May 07, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18572

Re: Why save so much for when you're old?

I honestly think that it is irresponsible to advocate a 2% withdrawal rate to people just starting to plan for retirement. It does more harm than good. You think 'well we have been very conservative in our assumptions and now this person will be scared into saving more than enough', and they are th...
by zaboomafoozarg
Sun May 07, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18572

Re: Why save so much for when you're old?

Given that few have pensions, just save $3 million for a perfectly safe retirement that might not suck on gross income of $5000 a month plus your Social Security check. EZ-Pee-Zee other than the fact that virtually no-one can afford to retire ever following the 2% Berstein Rule. Nobody I know in re...
by zaboomafoozarg
Sat May 06, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3332

Re: First 100 mile bike ride

kingsnake wrote:Eat and drink a lot along the way..


This is key. I foolishly took just a single granola bar with me on my first long bike ride (just shy of 100 miles), and I had to stop at a graveyard and take a nap because I was almost falling off my bike due to dizziness/exhaustion.
by zaboomafoozarg
Sat May 06, 2017 11:13 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18572

Re: Why save so much for when you're old?

I ask myself this question a lot. Part of it is not knowing if I'll be mentally able to work to full retirement age, which is a small but real concern. But I recently did some calculations and found out that if I work until 55, keep my spending the same and die at 90, I'll most likely end up with $2...
by zaboomafoozarg
Sun Apr 30, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 34720

Re: Time to reach 1M and 2M milestones

Assuming 5% return on a 1M portfolio - you would need to contribute $50k for contributions to match market returns. My guess is for majority of people, contributions outpace portfolio returns at least up to $1.5M. You think that the majority of people are saving $75K/yr? Certainly not all people, b...
by zaboomafoozarg
Sat Apr 22, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37653

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: 4860

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: 4860

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: 2430

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: 14393

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: 25099

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: 5242

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: 3719

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: 9850

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: 2946

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: 8245

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: 4327

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: 9679

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: 340

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: 5311

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: 24178

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: 10277

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: 10277

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: 2588

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: 3881

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: 3114

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: 1417

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: 6641

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: 11288

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: 11288

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: 6641

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: 10943

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: 5608

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: 18268

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: 18268

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: 4764

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.

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