Search found 10044 matches

by KlangFool
Mon Oct 15, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 79
Views: 8280

Re: Short Term Bond yield over 3%

Thank you for the information. :sharebeer KlangFool, I know you previously expressed skepticism on this board regarding the value of attending elite schools for undergrad. At the risk of hijacking the thread, does your assessment primarily pivot on price? What if, for example, MIT turns out to be c...
by KlangFool
Mon Oct 15, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 79
Views: 8280

Re: Short Term Bond yield over 3%

Thanks. Essentially, they are not on the list of the schools that I will send my kids to for an undergraduate degree. We do not apply to those schools at all. Your question was "why some people are paying off their mortgages", not "should I pay off mine". I hope I have provided one example where pa...
by KlangFool
Mon Oct 15, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 79
Views: 8280

Re: Short Term Bond yield over 3%

Okay. That is news to me. I have not come across those schools. What are them? Would you mind providing some examples? They are the schools listed in the "Schools that Ignore Home Equity" section of the article I linked above. Some big names, including MIT, Caltech, Princeton, and Harvard. For exam...
by KlangFool
Mon Oct 15, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: HDMI Splitter or Switch?
Replies: 19
Views: 613

Re: HDMI Splitter or Switch?

OP,

It is easier for folks to help you if you provide the model number of your TV.

KlangFool
by KlangFool
Mon Oct 15, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 22
Views: 1468

Re: Kids not interested in money / allowance

Hi BHs, I have two sons (11 & 8 years). None of them has any interest in money. Each of them has a weekly allowance of $5. 99% of the time they do not ask for it, and even if my wife/I encourage them to take it they don’t. I tried to educate them since they were little (Money doesn’t grow on trees ...
by KlangFool
Mon Oct 15, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 79
Views: 8280

Re: Short Term Bond yield over 3%

Please explain to me why folks are paying off the fixed-rate low-interest mortgage when the interest rate is going up. To hide assets from college finaid formulas (FAFSA and some CSS profile schools). http://www.thecollegesolution.com/will-your-home-equity-hurt-financial-aid-chances That only works...
by KlangFool
Mon Oct 15, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 79
Views: 8280

Re: Short Term Bond yield over 3%

Please explain to me why folks are paying off the fixed-rate low-interest mortgage when the interest rate is going up. To hide assets from college finaid formulas (FAFSA and some CSS profile schools). http://www.thecollegesolution.com/will-your-home-equity-hurt-financial-aid-chances That only works...
by KlangFool
Mon Oct 15, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2589

Re: Does Timing Matter? 3 Fund Portfolio

Counting on being lucky is not a good planning strategy. Assuming the worst case as the base case is an even worse planning strategy. vineviz, https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations?lang=en The average return for 100/0 is 10.3%. The average return for...
by KlangFool
Mon Oct 15, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Better to invest in taxable and not deferred?
Replies: 29
Views: 2501

Re: Better to invest in taxable and not deferred?

Deleted.

Off topic.

KlangFool
by KlangFool
Mon Oct 15, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Lost Job, Need Advice on Next Move(s)
Replies: 5
Views: 290

Re: Lost Job, Need Advice on Next Move(s)

staythecourse wrote:
Mon Oct 15, 2018 10:48 am
My advice... Keep money liquid. Don't worry about doing IRA anything until you get another job. Sometimes it is 1 day and sometimes not. So right now liquidity is your friend.

Good luck.
+1.

OP,

What if your unemployment lasted 1 year or longer?

KlangFool
by KlangFool
Mon Oct 15, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Lost Job, Need Advice on Next Move(s)
Replies: 5
Views: 290

Re: Lost Job, Need Advice on Next Move(s)

I got laid off this past Friday. Luckily we have enough funds to cover several months worth of expenses. Some quick points: 1. I will be receiving a lump sum severance. 2. I am eligible to file for unemployment (per my employer) 3. I will be added to my wife's health insurance (as a qualifying even...
by KlangFool
Sun Oct 14, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Need guidance on charting next life steps
Replies: 25
Views: 1792

Re: Need guidance on charting next life steps

But, I seriously doubt that you cannot find an equivalent position overseas with some of the larger megacorps like Amazon, Google, Microsoft, IBM, and so on We compete as well as partner with some of the names you mention. An advantage of my job is I get to learn the end-to-end of data management a...
by KlangFool
Sun Oct 14, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Need guidance on charting next life steps
Replies: 25
Views: 1792

Re: Need guidance on charting next life steps

OP, 1) I think you have a tunnel vision. I do not know your area of expertize. But, I seriously doubt that you cannot find an equivalent position overseas with some of the larger megacorps like Amazon, Google, Microsoft, IBM, and so on. And, you could be living in places like Europe or Singapore ins...
by KlangFool
Sun Oct 14, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Need guidance on charting next life steps
Replies: 25
Views: 1792

Re: Need guidance on charting next life steps

That I will get to keep my current salary if I move back is unlikely. kurious, Why? One of the fundamental questions that you need to ask and answer is if you need to move back to India and work for the same employer with the same job, how much do you want to be paid at? Please note that it is a sm...
by KlangFool
Sun Oct 14, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Need guidance on charting next life steps
Replies: 25
Views: 1792

Re: Need guidance on charting next life steps

Most of our business is in the US with some in Europe. We don't have a formal presence in India. Also, my net savings will get minimized drastically with an equivalent salary in India when accounting for PPP. I can see how my presence in EU, or India, or some place like Dubai could help the company...
by KlangFool
Sun Oct 14, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Need guidance on charting next life steps
Replies: 25
Views: 1792

Re: Need guidance on charting next life steps

OP, My opinion which may or may not help you. 1) You are making low salary while staying in Boston with 120K. So, I have no idea why do you think that this is a good job and opportunity. You are 30+. So, you are wasting valuable youth making a low salary. 2) You are from India. Let's say that you ge...
by KlangFool
Sun Oct 14, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Has the US bull become addicted to corporate buybacks?
Replies: 16
Views: 1424

Re: Has the US bull become addicted to corporate buybacks?

OP, Do you believe what was posted in the article? Aka, the market is not necessarily efficient. It is subject to manipulation like stock buyback. If you do, what are you going to do about this? The logical conclusion would be 100% passive index investing may not be the right way to go. Then, you ne...
by KlangFool
Sun Oct 14, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5251

Re: Weigh in on our Marital Argument =)-- HCOL edition

OP, Some random thoughts: 1) If it is not possible to put the grandparents into the hotel, why don't A) You and your husband check into a hotel or AirBnB? B) Or, the whole family plus the grandparent check into an AirBNB? 2) Rent a 3 bedroom condo for 3 more years make a lot more sense too. << so $1...
by KlangFool
Sat Oct 13, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Better to invest in taxable and not deferred?
Replies: 29
Views: 2501

Re: Better to invest in taxable and not deferred?

OP,

Please check out this thread first.

viewtopic.php?t=87471
<<How to pay ZERO taxes in retirement with 6-figure expenses>>

KlangFool
by KlangFool
Sat Oct 13, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5457

Re: Who worries about a bear market in stocks?

Don't feed the troll. +2 Only 49% of Americans invest. Most live paycheck to paycheck. I don't think many Americans think about it much if not at all. Most are just concerned about paying the next set of bills and saving up for Black Friday. If they do notice a crash it's either posted on their soc...
by KlangFool
Sat Oct 13, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2589

Re: Does Timing Matter? 3 Fund Portfolio

I dispute your statement about 100/0 is a best practice recommendation. I know you do. Nonetheless, most investment allocation experts would, in fact, suggest a 30 year old with a moderate risk tolerance and "normal" amounts of human capital should have their retirement portfolio invested 100% in e...
by KlangFool
Sat Oct 13, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate-term Bond Fund or Target Retirement Fund in 401(k)
Replies: 23
Views: 1048

Re: Intermediate-term Bond Fund or Target Retirement Fund in 401(k)

I don't speak ticker so I have no idea what you said. :happy I edited the post to include descriptions and links. OP.... why the long-term bond preference ? You like riding roller coasters ? The reasons that I keep seeing are: Long term bonds seem to have a negative correlation with the stock marke...
by KlangFool
Sat Oct 13, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2589

Re: Does Timing Matter? 3 Fund Portfolio

<<Assuming the worst case as the base case is an even worse planning strategy.>> Really? I want to make sure that I survive first before I think about return. You can only succeed if you survive. There is more to success than merely surviving. In other words, survival is a necessary but not suffici...
by KlangFool
Sat Oct 13, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Recommendation for an ergonomic chair (staples)
Replies: 17
Views: 817

Re: Recommendation for an ergonomic chair (staples)

I found used one in my area for $399 Model "B." Lumbar support and Tension adjustment. Is there anything else I need to watch out for, like old versus newer models? Is model B appropriate for a lean 5”7 frame? I'm about the same size and fit either an A or B size. We don't purchase new Aerons very ...
by KlangFool
Sat Oct 13, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Recommendation for an ergonomic chair (staples)
Replies: 17
Views: 817

Re: Recommendation for an ergonomic chair (staples)

I need a comfortable ergonomic chair for sitting long periods of time at a desk for my home. I am going to go to staples tomorrow partly because it’s close and also because I have a 10% off amex offer on my credit card. Can anyone recommend a nice comfy chair that’s easy on the back and budget? Say...
by KlangFool
Sat Oct 13, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2589

Re: Does Timing Matter? 3 Fund Portfolio

Counting on being lucky is not a good planning strategy. Assuming the worst case as the base case is an even worse planning strategy. vineviz, https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations?lang=en The average return for 100/0 is 10.3%. The average return for...
by KlangFool
Sat Oct 13, 2018 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2589

Re: Does Timing Matter? 3 Fund Portfolio

When recession happened and a person is unemployed longer than their emergency fund, they will need their bond to feed them. I understand why the idea of a recession might be traumatic for you but, as a relatively normal occurrence, fear of a recession isn’t an excuse for defective retirement portf...
by KlangFool
Fri Oct 12, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2589

Re: Does Timing Matter? 3 Fund Portfolio

Maybe the OP doesnt need to take the risk associated with a higher equity allocation due to their savings rate or planned working lifespan. Strange reaction to a fairly conservative AA. I don't know, the OP asked for thoughts and those were mine. For a dedicated retirement portfolio, at such a youn...
by KlangFool
Fri Oct 12, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Recommendation for an ergonomic chair (staples)
Replies: 17
Views: 817

Re: Recommendation for an ergonomic chair (staples)

I need a comfortable ergonomic chair for sitting long periods of time at a desk for my home. I am going to go to staples tomorrow partly because it’s close and also because I have a 10% off amex offer on my credit card. Can anyone recommend a nice comfy chair that’s easy on the back and budget? Say...
by KlangFool
Fri Oct 12, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5457

Re: Who worries about a bear market in stocks?

Funny, my answer would be EVERYONE. Young investors as any prolonged bear marked in stocks will lead to layoffs. The most overconfident aspect I have seen from even folks on this site is their confidence of not getting fired when the next downturn occurs. Retirees if timing is poor the sequence of ...
by KlangFool
Fri Oct 12, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2589

Re: Does Timing Matter? 3 Fund Portfolio

Maybe the OP doesnt need to take the risk associated with a higher equity allocation due to their savings rate or planned working lifespan. Strange reaction to a fairly conservative AA. I don't know, the OP asked for thoughts and those were mine. For a dedicated retirement portfolio, at such a youn...
by KlangFool
Fri Oct 12, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 79
Views: 8280

Re: Short Term Bond yield over 3%

OP, Please explain to me why folks are paying off the fixed-rate low-interest mortgage when the interest rate is going up. At the rate of interest rate increases, cash in the money market fund may pay a higher interest rate than their mortgages in the future. KlangFool I bought a house in 2008, and...
by KlangFool
Fri Oct 12, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 93
Views: 7864

Re: When will you backup the truck on stocks

marcopolo, During the 2008/2009 recession, most of my portfolio was 50% in the Vanguard LifeStrategy Moderate Growth Fund (60/40) and 50% in the Wellington fund (65/35). Hence, it rebalances itself whether I like it or not. During a crisis, most people will freeze and do nothing. Or, what they did ...
by KlangFool
Fri Oct 12, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 93
Views: 7864

Re: When will you backup the truck on stocks

If stocks go down 90%, I will back up my truck. I mean, literally, I will sell our car, and buy stocks. It’s easy to think like this when the markets have been outperforming, but I wonder if you have the guts to really do this when times get tough. I’m thinking if the market is down 90%, there has ...
by KlangFool
Fri Oct 12, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: Psychological vs. Real Risk
Replies: 21
Views: 1451

Re: Psychological vs. Real Risk

1. I don't think so. Almost every time someone loses big money, they worry a little bit or at least get a little bit uncomfortable. So if they set their AA to the lower of Psych or Real, then they will still feel the desire or wish not to lose money. And there is another side to this. It is not jus...
by KlangFool
Fri Oct 12, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5457

Re: Who worries about a bear market in stocks?

OP, It is very simple. Those that are not prepared for a bear market worry about the bear market. I have a very simple philosophy in life. If I am worried about something, I would take action to prepare for it. I would not let my worry linger around. It makes my life relatively stress free. KlangFo...
by KlangFool
Fri Oct 12, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5457

Re: Who worries about a bear market in stocks?

OP, It is very simple. Those that are not prepared for a bear market worry about the bear market. I have a very simple philosophy in life. If I am worried about something, I would take action to prepare for it. I would not let my worry linger around. It makes my life relatively stress free. KlangFool
by KlangFool
Fri Oct 12, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Crash Plan
Replies: 7
Views: 889

Re: Crash Plan

OP,

Use a target date fund or Vanguard Lifestrategy fund. Then, you do not need to rebalance. It is fully automated.

KlangFool
by KlangFool
Fri Oct 12, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Unfortunate Near Real-Time Test of Sequence of Returns Risk v Probability of Retirement Success
Replies: 19
Views: 1709

Re: Unfortunate Near Real-Time Test of Sequence of Returns Risk v Probability of Retirement Success

85% equity allocation in retirement is quite aggressive. Thank you very much. I'm ten years away from retirement. And your point is still valid. I think we're too aggressive. Still, the retirement calculator outcome seems peculiar. WyomingFIRE, <<I'm ten years away from retirement. >> How do you kn...
by KlangFool
Thu Oct 11, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3069

Re: Budget Coffee

I tend to like light roasts and spend ~$16 / lb whole beans but got some New England Coffee the other day at about $6 / lb and didn't think it was all that bad. I'll probably stick with the local higher end stuff but am curious to try more of the cheap stuff. What do you all like for coffee say und...
by KlangFool
Thu Oct 11, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: A Roadmap For The Upcoming US Treasury Bull Market
Replies: 40
Views: 3720

Re: A Roadmap For The Upcoming US Treasury Bull Market

Interesting, may I ask what culture? Also what percent of assets does it make up? robertmcd, 1) Asian. 2) It is not a percent. Good enough to buy plane tickets for my family to fly out of the country. 3) We need to give out some gold jewelry for the newborn baby of our family plus wedding. Hence, i...
by KlangFool
Thu Oct 11, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: A Roadmap For The Upcoming US Treasury Bull Market
Replies: 40
Views: 3720

Re: A Roadmap For The Upcoming US Treasury Bull Market

I agree that cash and gold would be the only safe havens in the event of asset repricing like that. I would only want to own physical though. In the event gold actually reprices to these fiat currencies, the retail crowd will not get anything for their shares of IAU and GLD. robertmcd, I am prepare...
by KlangFool
Thu Oct 11, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: A Roadmap For The Upcoming US Treasury Bull Market
Replies: 40
Views: 3720

Re: A Roadmap For The Upcoming US Treasury Bull Market

I agree that cash and gold would be the only safe havens in the event of asset repricing like that. I would only want to own physical though. In the event gold actually reprices to these fiat currencies, the retail crowd will not get anything for their shares of IAU and GLD. robertmcd, I am prepare...
by KlangFool
Thu Oct 11, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: A Roadmap For The Upcoming US Treasury Bull Market
Replies: 40
Views: 3720

Re: A Roadmap For The Upcoming US Treasury Bull Market

If central banks keep buying bonds and stocks, then the assets that will benefit are the ones that have benefited the past 10 yrs. -high yield corporate bonds due to pushing everyone out on the risk curve -long term bonds same as above - growth stocks (Long duration) -real estate (low interest mort...
by KlangFool
Thu Oct 11, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5107

Re: Feeling Guilt among family/peers

OP,

Thanks for the reminder. Time for me to donate to the local food bank.

KlangFool
by KlangFool
Wed Oct 10, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4318

Re: When stock and bod drop at the same time, what do you do?

buy buy buy, till it is time to sell sell sell in retirement... you are either in the market or you are out... thats it. if you are retired and both do down, you don't go out to eat for a while.. This is the part of retirement planning that continues to baffle me when counting on market returns to ...
by KlangFool
Wed Oct 10, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4318

Re: When stock and bod drop at the same time, what do you do?

OP,

1) Nothing.

2) A better question to you is why do you think that we have to do something?

3) And, if we do not have to do anything but you feel like you have to, why there is a difference?

KlangFool
by KlangFool
Wed Oct 10, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Emotions when switching from being long time stock picker over to a more Boglehead approach
Replies: 12
Views: 987

Re: Emotions when switching from being long time stock picker over to a more Boglehead approach

Now every quarter I just buy one of two Vanguard ETFs. Carol88888, 1) That may not be good enough to break your habit. You may want to go with one of those funds of the fund like Vanguard Lifestrategy Moderate Growth Fund (60/40) fund. Then, you do not need to think about whether the stock market i...
by KlangFool
Wed Oct 10, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7352
Views: 1543388

Re: Stocks tumbling?

It is not causing distress for the record lol. I guess as a young investor I should be taking advantage of any drops in the market. :moneybag Esq123, It might be because of this. https://www.bloomberg.com/news/articles/2018-10-09/tencent-s-214-billion-tumble-is-breaking-all-kinds-of-records <<Tence...
by KlangFool
Wed Oct 10, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Logic of CD laddering to pay down mortagage & which CD?
Replies: 3
Views: 286

Re: Logic of CD laddering to pay down mortagage & which CD?

OP,

The interest rate is going up. 3% at 5 years CD does not look like a good deal to me. If I am you, I would keep the money in the prime money market fund for now. It is about 2% for prime money market fund now. There is not enough difference for me to look at 5 years CD.

KlangFool