Search found 115 matches

by develop
Wed May 01, 2019 9:04 pm
Forum: Investing - Theory, News & General
Topic: A sane and healthy financial life?
Replies: 29
Views: 2653

Re: A sane and healthy financial life?

Dottie57 wrote:
Wed May 01, 2019 8:55 pm
Be resonable or even cheap with cars and homes as many people drastically overspend in these areas.
+1
by develop
Wed May 01, 2019 9:01 pm
Forum: Investing - Theory, News & General
Topic: A sane and healthy financial life?
Replies: 29
Views: 2653

Re: A sane and healthy financial life?

Most of us believe you should have 25 to 33 times of your net annual expenses when you retire. +1 Of course, if you're in your 30's, the trick is to figure what your expenses will be at retirement and when the income flows kick in. Best of luck. I strongly agree with this point. Honestly, I think i...
by develop
Wed May 01, 2019 8:28 pm
Forum: Investing - Theory, News & General
Topic: A sane and healthy financial life?
Replies: 29
Views: 2653

Re: A sane and healthy financial life?

Most of us believe you should have 25 to 33 times of your net annual expenses when you retire. +1 Of course, if you're in your 30's, the trick is to figure what your expenses will be at retirement and when the income flows kick in. Best of luck. I strongly agree with this point. Honestly, I think i...
by develop
Fri Apr 26, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 175
Views: 45332

Re:

Boglenaut wrote:
Sat Nov 21, 2009 10:19 pm
It would need to be a Vanguard Target retirement fund. No other could be diversified enough, adapt as I age, and have low fees
+1. Easy.
by develop
Thu Mar 21, 2019 7:00 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 13391

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

Darth Xanadu wrote:
Thu Mar 21, 2019 3:47 pm
Thesaints wrote:
Thu Mar 21, 2019 3:44 pm
Better to ignore the existence of hot water and continue to take cold showers. It also saves on the energy bill !
It would take quite a few showers to save that $4m, though.
Well put!

Audited autocorrect. Haha, that was supposed to say "edited autocorrect."
by develop
Tue Mar 05, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: Do houses grow tax free?
Replies: 98
Views: 5244

Re: Do houses grow tax free?

Ok, hypothetical assumptions: House price $200,000 Prop. taxes: 4000 per year Persons assets: 70K EF (over 1 year of expense) in taxable+ $700,000 in 401k + 300,000 in roth ira Age: 55, willing to work 10 more years Will have pension in retirement that would cover 40% of his basic expenses, SS will...
by develop
Sun Mar 03, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Do houses grow tax free?
Replies: 98
Views: 5244

Re: Do houses grow tax free?

I'm with BogleMelon here: I think the intent of his original post is being lost. A lot of replies mention upkeep, property taxes, etc., which I think is a debate about asset classes, not the investment vehicle wrapper (which I think BogleMelon's question was about). We can endlessly debate whether ...
by develop
Sat Feb 23, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: When do you notice the compounding at work?
Replies: 137
Views: 28857

Re: When do you notice the compounding at work?

arcticpineapplecorp. wrote:
Fri Aug 14, 2015 9:42 pm
Only over break times and at lunch. Other than that, I'm prohibited from checking the compounding at work. :happy
HAHAHAHAHAHA!! That is hilarious!
by develop
Thu Feb 21, 2019 7:42 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 662
Views: 50343

Re: Larry Swedroe: 3% is the new 4%

Note that most of the investment risk occurs in the first five years, but then as I explained much of the spending risk occurs later, assuming you live long enough, due to risks of needed long term care and especially when you look at odds of having serious cognitive declines. I cannot tell you how...
by develop
Thu Feb 21, 2019 6:42 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 662
Views: 50343

Re: Larry Swedroe: 3% is the new 4%

I believe that the validity of a 3% rule can be determined by asking - "Is this rule best for me, or is it best for professional financial advisors?" You may find the answer without any simulations, assumptions or even basic arithmetic. I'm interested in this theory and don't necessarily disagree. ...
by develop
Thu Feb 21, 2019 6:34 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 662
Views: 50343

Re: Larry Swedroe: 3% is the new 4%

But then would add that US has been what has been called the triumph of the optimists (the winner) and while 4% might have worked in past looking at historical data, you would find in other countries (i.e. Japan say starting in 1990, with Nikkei now at about half what it was then) that it did not w...
by develop
Thu Jan 17, 2019 7:30 am
Forum: Investing - Theory, News & General
Topic: 2019 Boglehead Contest Charts
Replies: 5
Views: 828

Re: 2019 Boglehead Contest Charts

Wow, that's super cool and very well done. It's fun to see it laid out like that. Thank you for sharing!
by develop
Wed Jan 16, 2019 8:08 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57667

Re: John Bogle is dead at 89

What a sad day. We have lost a true hero. I'm so grateful for all that he has taught us and for the opportunities he has created for so many. He really earned the name Saint Jack.
by develop
Sat Jan 12, 2019 9:51 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)
Replies: 128
Views: 9362

Re: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)

I don't think any people have a monopoly on being honest or having a cultural backbone (bolding by me in the excerpt below). It would come as a shock to China (world's largest economy by PPP) and India (3rd largest by PPP) that they have been lacking in honest people and cultural backbone. The desi...
by develop
Sat Jan 12, 2019 9:44 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)
Replies: 128
Views: 9362

Re: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)

Perhaps the markets of countries where the institutions were solid enough and the people honest enough to allow fruitful investing all have already emerged . I have serious doubts that any of the remaining markets will do so in the next century. The institutional and cultural backbone might just no...
by develop
Sun Jan 06, 2019 4:10 pm
Forum: Investing - Theory, News & General
Topic: Strategy for the Bogleheads contest
Replies: 36
Views: 1942

Re: Strategy for the Bogleheads contest

Some people's elaborate strategies make me wonder: How many of the last 5 or 10 winners used one of these careful strategies, and how many were random guesses? It seems to me that winners often talk about their guess being a rough stab in the dark. I don't think that would tell you much since you d...
by develop
Sun Jan 06, 2019 2:59 pm
Forum: Investing - Theory, News & General
Topic: Strategy for the Bogleheads contest
Replies: 36
Views: 1942

Re: Strategy for the Bogleheads contest

Some people's elaborate strategies make me wonder: How many of the last 5 or 10 winners used one of these careful strategies, and how many were random guesses? It seems to me that winners often talk about their guess being a rough stab in the dark. I don't think that would tell you much since you d...
by develop
Sun Jan 06, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: Strategy for the Bogleheads contest
Replies: 36
Views: 1942

Re: Strategy for the Bogleheads contest

I had no idea people were taking it this seriously! My guess was pretty random. I sure hope I didn't guess .01 above or below someone. Actually, my guess was the ROUGH average of the first however many guesses I looked at (putting some faith in the collective Bogleheads wisdom). I didn't even have a...
by develop
Tue Dec 25, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 12256

Re: Now is the time to REJOICE!

Warren Buffet always says he likes getting a good deal on companies he buys, and now is the time for all of us! Dumping a bunch of money into stock index funds while the going is good and cheap!! Anyone else investing more now??? I'm not exactly dancing in the streets, but I'm going to play devil's...
by develop
Mon Dec 10, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 50
Views: 9130

Re: We Are Teetering on the Edge of A DEATH CROSS

Recessions: There were ten recessions since 1950. Six recessions were preceded by a DC and for the other four the DC occurred at, or near the beginning of the recessions. There was never a recession without an associated DC. It seems to me that this answers the wrong question. I'm not too concerned...
by develop
Tue Nov 13, 2018 11:51 pm
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 26
Views: 3328

Re: Annuities

So, the short of annuities: There's exactly one good annuity product. That's a single-premium immediate annuity. You pay money now, get money each month until you die. These are generally priced rather fairly considering the average life expectancy of annuitants as a group. There's a healthy compet...
by develop
Thu Nov 01, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 14879

Re: Core-4 Investing is LIVE! It really is this time!

It's so simple you can pay someone to help you! :sharebeer
Also very well said!
by develop
Thu Nov 01, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 14879

Re: Core-4 Investing is LIVE! It really is this time!

I can see that I am in the minority here, and I expect some blowback for saying this, but isn't this just a way to make simplicity more complex? If someone truly valued simplicity, wouldn't they just stick with a typical three or four fund portfolio? Six 4-fund portfolios for a total of "24 portfol...
by develop
Wed Oct 31, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 14879

Re: Core-4 Investing is LIVE! It really is this time!

Tonight I launched Core-4 Investing under the Core-4.com domain name. You may recognize Core-4 from Bogleheads.org conversations and Wiki. It came about in 2007 as a simple way to achieve global diversification through four low-cost index funds. OK, there's nothing new here about the Classic Rick F...
by develop
Wed Mar 28, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 84
Views: 14787

Re: Dave Ramsey spends two segments on his investing advice

Tamalak wrote:
Sun Aug 13, 2017 9:30 am
It's always been my policy that if your net worth is below zero, listen to Dave Ramsey, and if it's above zero, listen to Bogleheads.
So well said! I like that!
by develop
Thu Feb 15, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 12922

Re: philosophicaleconomics predicts 4% real equity returns

WhyNotUs wrote:
Wed Feb 14, 2018 1:53 pm
OMG, another prediction :shock:
HA-HA! Awesome.
by develop
Mon Jan 22, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: The regular investor can now trade the stock market 24 hours a day with TD Ameritrade
Replies: 48
Views: 3995

Re: The regular investor can now trade the stock market 24 hours a day with TD Ameritrade

and why would I want to do that? Contrary to some of the shoot-from-the-hip, Boglehead-bot auto-responses you see regarding day-traders, the ability to place an ETF order 24 hours a day would be helpful to those stay-the-course investors who simply are not able to place an order between the hours o...
by develop
Sat Jan 07, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 76
Views: 10905

Re: No Vanguard Customer Support on weekends

I always hate it when I call on a weekday and nothing can really happen because the markets are closed (M-F after 4p EST/1p PST). Story would be the same on a weekend. They always offer to do the transaction on the next business day, but I can usually do the same thing myself, so reaching them afte...
by develop
Sat Jan 07, 2017 6:04 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 76
Views: 10905

Re: No Vanguard Customer Support on weekends

If you like Fidelity better and are comfortable with their fees, you should switch to them. Competition and choice are wonderful things. Thank you; I am with Fidelity, and I think they are an excellent brokerage company. I was not planning to leave Fidelity completely, but to have, perhaps, an IRA ...
by develop
Sat Jan 07, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 76
Views: 10905

Re: No Vanguard Customer Support on weekends

Thank you for your responses. I did see that information on the website, but again, I thought I must have missed something. Some websites make it difficult to find the best contact line, to try to encourage chat and secure messages, but a 7-day phone number can be found if you hunt. I am disappointe...
by develop
Sat Jan 07, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 76
Views: 10905

No Vanguard Customer Support on weekends

Is Vanguard unreachable by phone on the weekends? That seems crazy to me. Surely I overlooked something.
by develop
Thu Nov 10, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 8319

Re: Cheap, Non-Traditional Cell Phone Plans

This is all excellent feedback. Thank you! I am looking for a plan for 1-2 lines (depending on whether my wife switches too), with decent data. Maybe 2-3 GB for one line, 3-5 GB for two lines. I'll want to use an iPhone 4 or 5. I think that means I will need very few sms, because of the data-type me...
by develop
Sun Nov 06, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 8319

Re: Cheap, Non-Traditional Cell Phone Plans

mags wrote:We are happy with Ting. 3 phones (adults). $60/month (total).
Thank you!

I am on their website now and it looks like you can take much better advantage of savings if you have multiple lines on the plan. The leaps between tiers are pretty big.
by develop
Sun Nov 06, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 8319

Re: Cheap, Non-Traditional Cell Phone Plans

Is there no more love for Ting and RingPlus these days?
by develop
Sun Nov 06, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 8319

Re: Cheap, Non-Traditional Cell Phone Plans

We have three cell phones in the household. One household member is reluctant to learn much about cell phones. This member still uses a flip phone on a pay-as-you-go plan from Tmobile. It costs $3 a month and 10 cents a minutes. Cost is under $100 a year. One household member uses a iphone on a $30...
by develop
Sun Nov 06, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 8319

Re: Cheap, Non-Traditional Cell Phone Plans

We use both Tracfone and Fi..... both have been fine and cheaper than the traditional big phone companies IMO - at least for our usage patterns. I will look more into Tracfone. What do you like about it? Could one take their number with them? How is the cost of data? Is it true that you can only us...
by develop
Sun Nov 06, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 8319

Re: Cheap, Non-Traditional Cell Phone Plans

I use a cell phone for very minimal use: maybe use it on vacations, for emergencies, brief messages in home area. After using a traditional for one cycle, I decided there must be a cheaper way for those not using it much. For me, I am satisfied with Tracfone. I just bought 1 month 30 min online for...
by develop
Sun Nov 06, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 8319

Re: Cheap, Non-Traditional Cell Phone Plans

We use both Tracfone and Fi..... both have been fine and cheaper than the traditional big phone companies IMO - at least for our usage patterns. I will look more into Tracfone. What do you like about it? Could one take their number with them? How is the cost of data? Is it true that you can only us...
by develop
Sun Nov 06, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 8319

Cheap, Non-Traditional Cell Phone Plans

Bogleheads, I recently read a Bogleheads thread about comparing wireless phone plans. It was very enlightening, in that it made me aware of cheap and free phone plans that I had never heard of, with RingPlus, Ting, Google Fi and possibly others. The conversation convinced me that these may offer bet...
by develop
Mon Oct 24, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's latest market returns forecast
Replies: 380
Views: 50672

Re: Larry Swedroe's latest market returns forecast

Last time I took Larry Swedroe's advice, I made a killing. I bought a bunch of TIPS based on his recommendation, and sold when the rates dropped and went negative. I may have to increase my international based on his recommendation. Well, then you better NOT take his advice this time, because inste...
by develop
Wed Sep 07, 2016 11:17 am
Forum: Investing - Theory, News & General
Topic: Hedge Funds Misfire Trying to Time the Gold Market
Replies: 3
Views: 1031

Re: Hedge Funds Misfire Trying to Time the Gold Market

Tamalak wrote:Like five year olds playing soccer.. just mindlessly going where the ball goes!
Hahahahaha! A perfect comparison.
by develop
Tue Aug 30, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 1612

Re: Recommend a Prisoners' Rights Non-Profit?

slow n steady wrote:I suggest filling out an application at your local prison. :D
That way you could get some real first hand experience and see what needs fixed.
That's a great idea. I've started looking into this too. Thanks for your feedback.
by develop
Mon Aug 29, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 1612

Re: Recommend a Prisoners' Rights Non-Profit?

Families Against Mandatory Minimums (FAMM) does good work in the area of sentencing reform, with a particular emphasis on the fight against draconian mandatory minimum prison sentences in non-violent drug cases. This looks excellent and right up my ally. Have you had any experience working with the...
by develop
Mon Aug 29, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 1612

Re: Recommend a Prisoners' Rights Non-Profit?

Families Against Mandatory Minimums (FAMM) does good work in the area of sentencing reform, with a particular emphasis on the fight against draconian mandatory minimum prison sentences in non-violent drug cases. This looks excellent and right up my ally. Have you had any experience working with the...
by develop
Mon Aug 29, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 1612

Re: Recommend a Prisoners' Rights Non-Profit?

Prison Mindfulness Institute http://www.prisonmindfulness.org "Supporting prisoner, prison staff, and prison volunteers with effective evidence-based tools for rehabilitation, self-transformation, and personal development." Sounds awesome. I'll check them out. Have you had good experiences with the...
by develop
Mon Aug 29, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 1612

Re: Recommend a Prisoners' Rights Non-Profit?

If you are looking for a faith-based group, I've heard a lot of good things from people volunteering with Kairos. Thanks so much! I am not looking for Faith-based specifically, but would not discriminate against them if they are making good progress. I'll look into Kairos to see what kind of work t...
by develop
Mon Aug 29, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 1612

Re: Recommend a Prisoners' Rights Non-Profit?

What flavor of prisoners' rights are you looking for? Prisoner abuse? ACLU operates in this space. Post-incarceration reintegration & employment? Look for local charities. Chrysalis and Homeboy Industries are a couple of noteworthy ones in Los Angeles, for example. Overturning wrongful conviction? ...
by develop
Mon Aug 29, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 1612

Re: Recommend a Prisoners' Rights Non-Profit?

The Innocence Project is an organization devoted to freeing wrongly convicted prisoners. There are numerous success stories on their website. This is the fight for the most basic right - freedom. This sounds like a great option and I will definitely research it and consider adding it to our donatio...
by develop
Mon Aug 29, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 1612

Recommend a Prisoners' Rights Non-Profit?

Does anyone have any experience with Non-Profit organization which specialize in fighting for prisoners' rights? This cause is close to my heart but I have never known an actionable way to contribute to it because I don't know of any reputable organizations specializing in this area. I am primarily ...