Search found 631 matches

by AtlasShrugged?
Mon Jan 21, 2019 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom 2030 Index Fund -or- Fidelity ZERO funds?
Replies: 1
Views: 171

Fidelity Freedom 2030 Index Fund -or- Fidelity ZERO funds?

Bogleheads....I am in the process of setting up a taxable account. I have transferred some old stock from Computershare to Fidelity. The amount is not that great, we are talking about 3.5K to 4K. But I will add to it over time. The question is which Fidelity fund(s) to get. I have narrowed down the ...
by AtlasShrugged?
Mon Jan 21, 2019 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Savings
Replies: 24
Views: 1943

Re: Emergency Savings

That might depend on your definition of emergency, and liquidity. If you do not care about return, a safe works! I keep 1-2 months of expenses in cash in my safe at all times. Yes....I am a good shot, too. CDs are FDIC insured, and rates are improving. For myself, I am looking at Brokered CDs at Fid...
by AtlasShrugged?
Thu Jan 17, 2019 7:26 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 45011

Re: John Bogle has died at age 89

Baruch Dayan Emet.....May his name and memory be as a blessing
by AtlasShrugged?
Wed Jan 09, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20425

Re: Best town I've never heard of [for relocating]

Moorestown, NJ - Money Magazine Best Town in America for 2005.
by AtlasShrugged?
Mon Jan 07, 2019 9:36 am
Forum: Investing - Theory, News & General
Topic: 401k Wiki suggestion [Rating your 401k expense ratio]
Replies: 10
Views: 525

Re: 401k Wiki suggestion [Rating your 401k expense ratio]

mhalley....How did you arrive at your cut-offs? The cut-offs 'feel right' but what is the math you did to determine them? Can you post that?

I am asking because my P/T employer just imposed quarterly fees on every 401K account (comes to 43 bucks a year). That annoyed me greatly.
by AtlasShrugged?
Mon Jan 07, 2019 9:32 am
Forum: Investing - Theory, News & General
Topic: Co-ordinating 401K Plans: Any special tricks?
Replies: 2
Views: 180

Co-ordinating 401K Plans: Any special tricks?

Bogleheads....A couple of questions regarding coordinating 401K plans with different employers. I have a 401K with my primary employer, BigCorp. I also have a P/T job with GiantCorp, and they have a 401K plan as well. Last year, I maxed out the 401K with my primary employer - Yay me. I stopped the 4...
by AtlasShrugged?
Sun Jan 06, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 14573

Re: Retirement itch- when did you get it?

Great thread. I just started seriously getting the 'itch' at 52. The soonest I could possibly retire (barring hitting the lottery) is age 62, so I am at least 10 years out. Looking back, I think the itch got started from two things: A serious health event (2010), and a free financial evaluation from...
by AtlasShrugged?
Sat Jan 05, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: US Stock Market Returns in the 21st Century
Replies: 92
Views: 4382

Re: US Stock Market Returns in the 21st Century

Instead I picked the returns for the last 20 years and the returns for the first 19 years of this century. It seems reasonable to me to ask how well have the US capital markets done over the last 20 years. Apparently some people think that's an unfair question. How dare someone have the temerity to...
by AtlasShrugged?
Thu Jan 03, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 234
Views: 29033

Re: Social Security for Millennials

I thought the OP's post was most helpful. It laid out the math to make up the gap. To make this more actionable, it would good to understand how much we need to adjust our savings rate to make up for the future SSA shortfall, given a certain percent income replacement rate. #Cruncher is needed, badl...
by AtlasShrugged?
Mon Dec 31, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Bad News In Perspective
Replies: 4
Views: 1122

Re: Larry Swedroe: Bad News In Perspective

Win some (like 2017), lose some (2018). Another year in the books. Tomorrow, when I go to shul, I will thank the Lord for my family, my health (not stellar, but I am hanging in there), and my two jobs. I will not ask for anything, but just give thanks for what I have. The Lord has been good to me. R...
by AtlasShrugged?
Sat Dec 29, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 25
Views: 2526

Re: Fidelity beating vanguard now? switch to Fidelity?

Yes, Fidelity IS beating Vanguard - lower cost funds, better website, and definitely better customer service (not even close).

If the cost is minimal to switch, I think it is a no-brainer. You move the funds over to Fidelity without a second thought.
by AtlasShrugged?
Thu Dec 27, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: Is there any Low Risk 4 % Return
Replies: 52
Views: 6399

Re: Is there any Low Risk 4 % Return

ssvincent....Do you have a mortgage at 4%? Then every extra dollar you put toward principle is an investment with a guaranteed 4% rate of return.
by AtlasShrugged?
Thu Dec 27, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: What is really going on?
Replies: 39
Views: 4010

Re: What is really going on?

Does anybody have any idea what is going on in the market right now and can explain? I'm not convinced it has much to do with trade and government shut down at all. spaids....An alternative [probably unsatisfying] view for you to consider. The answer to your question will not be known for some time...
by AtlasShrugged?
Wed Dec 26, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 6886

Re: What have your learned this year

I think this is the year when I came to believe that the goal in retirement planning should be inflation-adjusted income, not wealth (your "number"). While the two aren't entirely unrelated, they aren't exactly the same either. Yes, I am coming around to this as well. Reading McClung's Living Off Y...
by AtlasShrugged?
Tue Dec 25, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?
Replies: 37
Views: 2400

Re: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?

CheChe....You ask, "How do you know when your risk tolerance changes?" Because of the onslaught of news re: the market, I've been thinking a lot about my financial position. I have an answer for you: When you lie awake in bed, second-guessing yourself on your portfolio, guess what? Your risk toleran...
by AtlasShrugged?
Tue Dec 25, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Bear Market - Mindset Expectations
Replies: 61
Views: 6170

Re: Bear Market - Mindset Expectations

dreamjob....My advice. Spare yourself the mental gymnastics of trying to calculate your downside risk and prognostication. Just don't bother with it. Money you cannot afford to lose goes into bonds, or cash equivalents (like CDs). Taylor Larimore hands out that advice and it is very good. I will say...
by AtlasShrugged?
Tue Dec 25, 2018 7:22 am
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9741

Re: Are we officially in bear market ?

Some cable channels declared S&P 500 officially entered bear market today. Is this correct ? jimsad....Technically, no. We are at a 19.8% decline. One or two hairs short of that dreaded bear. Maybe the question to ask yourself: Does it matter to me if we are in a bear market? I suspect for many, my...
by AtlasShrugged?
Sat Dec 22, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: Bear Market Peak to Trough via Michael Batnick
Replies: 22
Views: 2560

Re: Bear Market Peak to Trough via Michael Batnick

sjwoo: We are not in a bear market....quite yet. But close.
by AtlasShrugged?
Sat Dec 22, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: How to: Rebalance across multiple accounts when rebalance band hit?
Replies: 4
Views: 332

How to: Rebalance across multiple accounts when rebalance band hit?

Bogleheads....A question for you. More mechanical than anything else. I have two 401Ks (one big, one small), and a Roth IRA. This morning, I see that instead of being 54% US equities, I am 49% - across the portfolio, not in one account. In theory, if I have a rebalance band of 5%/25% [per Swedroe], ...
by AtlasShrugged?
Fri Dec 21, 2018 6:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 580
Views: 69834

Re: Post your Financial Milestone Announcements Here

Like the poster above, this was the first year I maxed out my 401K (regular and catch up) and Roth IRA (regular and catchup) - at age 52. I have a very long way to go, but feel very satisfied I was able to do this. My savings rate is roughly 22%, and I am trying like crazy to increase it. Next steps...
by AtlasShrugged?
Thu Dec 20, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Pay off mortgage in higher interest rate environment
Replies: 9
Views: 1242

Re: Pay off mortgage in higher interest rate environment

Given that interest rates are rising, does it make sense to pay this mortgage off early? Need a lot more information, mhalley had this correct. I would add this: Do you live in a high tax state? Is your mortgage an ARM? Do you itemize? If so, will you exceed the 10K limit on SALT? In my own situati...
by AtlasShrugged?
Wed Dec 19, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: "The Bucket Approach for Retirement: A Suboptimal Behavioral Trick?"
Replies: 35
Views: 2915

Re: "The Bucket Approach for Retirement: A Suboptimal Behavioral Trick?"

The way you read this is: going down the first column are the different strategies. In Panel A is 100, 90, etc, down to 0; these are just fixed asset allocations rebalanced annually. In other words 100% stocks, down to 0% stocks. AlohaJoe....Many thanks for this synopsis. Let me see if I can make s...
by AtlasShrugged?
Wed Dec 05, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: "STAY THE COURSE" by John C. Bogle -- A Gem
Replies: 15
Views: 4365

Re: "STAY THE COURSE" by John C. Bogle -- A Gem

One of the most striking quotes I ever heard Mr. Bogle use: Uneasy lies the head that wears the crown . As I have advanced in my career, that truism comes to the forefront of my mind more and more often. Now I understand it. As for 'Stay the course' - it is the first thing I see in my IPS whenever I...
by AtlasShrugged?
Wed Dec 05, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: Analysis of the Talmudic and the Boglehead Three Fund, asset class comparison, compared with a gold diversified 3 fund
Replies: 11
Views: 1475

Re: Analysis of the Talmudic and the Boglehead Three Fund, asset class comparison, compared with a gold diversified 3 fu

I enjoy analyzing portfolios against the three fund portfolio, mostly it's enjoyable to see the three fund consistently curb stomp almost all competitors. My three fund in my 401k currently is besting my coworker's more complicated portfolios.
Binyamin....Chag Semeach Hanukkah! :sharebeer
by AtlasShrugged?
Wed Nov 21, 2018 6:10 am
Forum: Investing - Theory, News & General
Topic: How This All Happened (to the US economy)
Replies: 44
Views: 7502

Re: How This All Happened (to the US economy)

My big takeaway from this article (liked it): Reduce debt to zero.
by AtlasShrugged?
Wed Nov 21, 2018 5:56 am
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5526

Re: How to Withdraw Money in Retirement, Following a Down Year

SmallLaw...Is it possible you are over-thinking this? You decided on 4% withdrawal. I assume that is inflation adjusted. Why not just forego the inflation adjustment in a down year? Kitces has written about this....small spending cuts along the way are quite effective in preserving your nest egg. If...
by AtlasShrugged?
Tue Nov 20, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: If Markets Move on the Unexpected, What Gives Now?
Replies: 6
Views: 757

If Markets Move on the Unexpected, What Gives Now?

Bogleheads....I've often read on this forum that markets move more on the unexpected . Something unexpected happens and then 'whammo!'. I have read that about earnings, interest rates, you name it....the unexpected event makes for a bigger move. What is the 'unexpected' factor at play here....is the...
by AtlasShrugged?
Mon Nov 05, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Collateralized Loan Obligations
Replies: 11
Views: 873

Re: Collateralized Loan Obligations

A new and increasingly popular Wall Street invention. They'll hold up until we hit a recession but what happens then? Hope it doesn't turn out like like CDOs did.
Garland....Pretty confident it will have the same ending as CDOs. Are they really all that different (CDO vs CLO)? Not to me.
by AtlasShrugged?
Mon Nov 05, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: How to know if you’re “On Track”?
Replies: 13
Views: 2150

Re: How to know if you’re “On Track”?

Easy answer: Funded ratio.

Bobkat2 has discussed the funded ratio in numerous posts. Sure made a lot of sense to me as a way to measure my readiness.
by AtlasShrugged?
Sun Nov 04, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3569

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

Wow. We don’t spend $25K on all of our cards combined.Almost. I used to use this card for nearly everything, but then 3% 2% on groceries and 4% on dining out came along (Capital One Savor) + 5% on Amazon (Chase). linenfort....Yeah, we had some big expenses (planned) for the year. We had the cash, b...
by AtlasShrugged?
Sat Nov 03, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 83
Views: 7129

Re: Engineering school

VINNY....If you decide to expand the geography, then I have a recommendation for you: Drexel University . My eldest went to Drexel and I have to say: it was excellent. He had a combined BS/MS 5-year program in Biomedical engineering, and the real important thing here is that he had three (yes 3) pai...
by AtlasShrugged?
Sat Nov 03, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: How to evaluate moving spouse to medicare, versus staying on private plan
Replies: 4
Views: 306

How to evaluate moving spouse to medicare, versus staying on private plan

Bogleheads...As an employee of BigCorp, I have employer provided medical insurance. My DW is on my plan. She is now eligible for medicare. The question is: How do we go about evaluating whether it is financially better for us to drop my DW from my employer-provided insurance and move her to Medicare...
by AtlasShrugged?
Sat Nov 03, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3569

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

I dump the entire 2% into my Roth IRA. It comes to roughly $500/annually. Pretty good deal.
by AtlasShrugged?
Fri Nov 02, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2906

Re: Washing machine/dryer shopping

Buy new.
Speed Queen rocks!
by AtlasShrugged?
Thu Nov 01, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3677

Re: The most you ever paid for a prescription

I don't consider a company that charges $100 for a 50 count box of insulin test strips to be "an awesome company who really does look out for patient interests".
sawhorse...as an aside...Abbott Laboratories and Abb Vie are not the same company. They split years ago.
by AtlasShrugged?
Wed Oct 31, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3677

Re: The most you ever paid for a prescription

As with so many heavily advertised (to the public) - prescription drugs - I see TV commercials for this all the time. Glad it worked out for you - medically and financially. dm200....Yeah, I do not have a TV, but when I am exposed to a TV, I see the ads too. Boy has TV changed in the last 25-30 yea...
by AtlasShrugged?
Wed Oct 31, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3677

Re: The most you ever paid for a prescription

I had to laugh....For Humira, the 'off the shelf' price is $1,250 per injection, with two monthly injections needed. If we are talking Remicade, we are talking infusion, and 8,000 to 10,000 every six to eight weeks is not unusual. Here is the 'laugh' part. Thanks to Abb Vie (really, they are an awes...
by AtlasShrugged?
Wed Oct 31, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 16001

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

...the only thing keeping me from moving there is the fact that anything Cannabis is illegal not saying I smoke but I would like to open a CBD business not THC, where TX is legal.
To each his/her own, I guess. Cannabis and CBD was not a part of the original post.

Good luck.
by AtlasShrugged?
Wed Oct 31, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Ignore Politics In Investing
Replies: 7
Views: 900

Re: Larry Swedroe: Ignore Politics In Investing

Kudos to Larry for writing this timely article.

Frankly, we could drop 'In Investing' from the title and follow the remaining advice. :wink:
by AtlasShrugged?
Sat Oct 27, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Whats with all the FUD here? [market volatility]
Replies: 42
Views: 4340

Re: Whats with all the FUD here? [market volatility]

Do you mean the time to rebalance is with smaller drops than with increases? No. In each case, I rebalanced back to my desired allocation (54/25/21 US/Intl/Bond). That meant selling my bond fund shares to purchase equity shares. Would it work in the reverse? Yes. That being said, not really seeing ...
by AtlasShrugged?
Sat Oct 27, 2018 8:18 am
Forum: Investing - Theory, News & General
Topic: Whats with all the FUD here? [market volatility]
Replies: 42
Views: 4340

Re: Whats with all the FUD here? [market volatility]

FWIW, I followed Livesoft's Law: On the RBDs, I rebalanced to maintain my allocation (-2%+ movement = RBD). Rebalanced twice. [I don't really know if that is Livesoft's Law, but he infrequently speaks of RBDs and what he does - so I thought of him when we had the RBDs and merrily rebalanced] Aren't ...
by AtlasShrugged?
Tue Oct 23, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: How do you evaluate HDHPs?
Replies: 17
Views: 1325

Re: How do you evaluate HDHPs?

We did a financial evaluation, with the help of some posters here. It would behoove you to post the specifics here, and there are some really bright people who would respond. What specifics need to be posted. I gather you'd need the following: Annual premium cost Employer contribution toward HSA OO...
by AtlasShrugged?
Tue Oct 23, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: How do you evaluate HDHPs?
Replies: 17
Views: 1325

How do you evaluate HDHPs?

Bogleheads....That time is almost upon us. Yes, November and choosing employer health coverage. I have a traditional PPO (Empire BCBS) and I max out an FSA, but am eyeing the HDHP options that we have. The problem is that I am stuck. How do I evaluate whether moving to an HDHP is the right move? Bec...
by AtlasShrugged?
Sun Oct 21, 2018 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Kitces link: The Spectrum of Financial Dependence and Independence
Replies: 30
Views: 3616

Kitces link: The Spectrum of Financial Dependence and Independence

Bogleheads...I make it a point to see weekend reading from Kitces. The linked article here provoked some thought. https://www.collaborativefund.com/blog/the-spectrum-of-financial-dependence-and-independence/ Personally, I cannot wait to get to level 15. :wink: The article articulates 17 distinct lev...
by AtlasShrugged?
Sun Oct 21, 2018 4:48 am
Forum: Investing - Help with Personal Investments
Topic: Finally ready to start investing in RothIRA (23yrs old)
Replies: 34
Views: 2263

Re: Finally ready to start investing in RothIRA (23yrs old)

ynotyese.7....My advice, simplify. At age 23, you have time. Lots of it. Dump everything into FSTVX. Don't worry about bonds/Intl for a couple years. Just make that initial investment, and try to get into the habit of contributing regularly - inculcate that behavior/habit. Fidelity customer service ...
by AtlasShrugged?
Fri Oct 19, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: 2019 Retirement Contribution Limits Announced
Replies: 54
Views: 7269

Re: 2019 401(k) Contribution Limit

GetMe...The announcement is coming soon, but you can reasonably bank on this.

401K: 19K regular contribution + 6K catchup = 25K total
Roth IRA: 6K regular contribution + 1K catchup = 7K total

The CPI calculation pushed the limits upward.
by AtlasShrugged?
Sat Oct 13, 2018 7:08 am
Forum: Investing - Theory, News & General
Topic: Psychological vs. Real Risk
Replies: 21
Views: 1608

Re: Psychological vs. Real Risk

I don't think you can eliminate psychological intolerance but you can acknowledge it and hopefully let it pass. I can't think of anyone who wasn't psychologically spooked in late 2008; the best anyone could have hoped for was white-knuckling it through the whole process. I'm going to guess that the...
by AtlasShrugged?
Sat Oct 13, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6956

Re: Market decline in 2019 ?

I have never seen a bull market so unloved by it's participants. /SMH If you don't have a written IPS, write one. Then follow it. No one can predict the future, and no one can control the market. But what you can do is control yourself. An IPS will go a long way toward doing just that. Real life exa...