Search found 430 matches

by TonyDAntonio
Tue Feb 05, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 7590

Re: If you are old, why bother with rebalancing!!?

I've come to a similar conclusion: the more I mess with my portfolio the worse I do. :oops:
by TonyDAntonio
Wed Jan 09, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 4515

Re: Paying "cash" for auto - possibly w regular credit card?

Just bought a 2018 Mazda 3 for cash, $18,100. I asked if I could put the purchase or part of it on a credit card. They said no. I wrote the check anyway.
by TonyDAntonio
Wed Jan 02, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: Any reason for optimism?
Replies: 81
Views: 3121

Re: Any reason for optimism?

Read everything Warren Buffet writes. He seems to always be positive on the US economy. He won't probably specifically speculate on what 2019 holds but longer term he makes a lot of great points.
by TonyDAntonio
Fri Dec 21, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 299
Views: 143603

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

justsomeguy2018 wrote:
Fri Dec 21, 2018 10:42 pm
DeadPoets wrote:
Fri Dec 21, 2018 10:06 pm
So it’s pretty evident now that B&H investors who stuck it out during ‘08 reaped the rewards.
If the market drops back to '08 levels, would this still be true? Seems like they would be right back where they started.
Only if you have not rebalanced or moved some 'profits' out of equities.
by TonyDAntonio
Sun Nov 25, 2018 12:59 pm
Forum: Personal Investments
Topic: Portfolio Watch suggests adding Growth Stocks
Replies: 13
Views: 908

Re: Portfolio Watch suggests adding Growth Stocks

Do it! Full disclosure: I've been value tilted (and international :| ) for 10 years and am getting tired waiting.
by TonyDAntonio
Tue Nov 20, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: GE bonds
Replies: 19
Views: 1850

Re: GE bonds

You can get more yield buying AT&T stock. It's dividend is well above 6%. Someday, T stock may even appreciate. Lord knows their CEO is compensated like it's been on a tear. :wink:
by TonyDAntonio
Wed Nov 14, 2018 9:57 am
Forum: Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19968

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

You sound young. If you are, great! Here's how I thought about investing for 30 years: when the market went up, great I'm wealthier. Keep investing. When the market went down, great I'm buying on sale. Keep investing. Get it. When you have time on your side investing is a win-win. You can't lose. Ke...
by TonyDAntonio
Mon Nov 05, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Oakland Airport to Santa Rosa/Healdsburg - best route?
Replies: 8
Views: 466

Re: Oakland Airport to Santa Rosa/Healdsburg - best route?

It will pay to use online mapping right when you take off. Hwy 37, one option, is a long stretch of one lane (each way). If there is a stall or accident you should take the Richmond/San Rafael bridge. Google maps or something like it will guide you.
by TonyDAntonio
Wed Oct 24, 2018 9:27 pm
Forum: Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7821

Re: Reaction to Market

VZ did well yesterday and today. I got that one.
by TonyDAntonio
Fri Oct 12, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 10039

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

If you are fit enough and in the San Francisco area then working part time on the Giants groundscrew, there are 50 of us, is a great retirement job. 1. Get to watch some MLB from the dugout. 2. No need for a gym membership. 3. Very flexible work hours. 4. Long off season to recharge. 5. Beautiful wo...
by TonyDAntonio
Thu Oct 11, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8254

Re: Black Friday is coming.. what's on your list?

I thought this was a stock market prediction thread.
by TonyDAntonio
Thu Sep 27, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9184

Re: Losing Passion for Hobbies. Cheap or normal aging?

I stopped and then continued my hobbies a bunch of times while raising my family: cycling, golf, woodworking, working on the house, etc. I hardly golf right now. I make about one piece of furniture a year. I work on my house as needed but sometimes just hire someone. They are hobbies so I do them fo...
by TonyDAntonio
Thu Sep 20, 2018 11:38 am
Forum: Personal Investments
Topic: So new to all this it hurts!
Replies: 27
Views: 3635

Re: So new to all this it hurts!

After you spend 10 years studying investing you are going to kick yourself for not just investing in a couple of index funds and rebalancing about as often as you eat your own birthday cake.
by TonyDAntonio
Thu Sep 20, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1432

Re: Painting kitchen cabinet

We've done both: pro reface with new drawers and doors, and diy painting the boxes and (me) making new doors and drawers and painting them. Pro refacing looks perfect but was a fortune. Diy painting was much less and looks good but not as good. If you are painting yourself and don't want to spray th...
by TonyDAntonio
Fri Sep 14, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6897

Re: Job burnout - Keep grinding or change?

Sometimes when I have a tough shift and dread it I have changed the way I perceive things. Work doesn't cause stress. The way I react and percieve input is what causes the stress. Change that and work isn't that stressful anymore. This!!!! Change your mind and the rest will follow. Can't believe I'...
by TonyDAntonio
Mon Aug 27, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17221

Re: Good Non-Boring Boglehead Cars Under $30k

Why are there so many recommendations for the Mazda 3? What's the attraction here? The engine sounds like a lawn mower, it has the worst road noise of any car on the market save maybe the Yaris, and it certainly doesn't make up for its lack of power with snappy handling like the BRZ/Miata/Golf. It'...
by TonyDAntonio
Mon Aug 27, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book!
Replies: 51
Views: 8425

Re: New Jack Bogle Book!

nova1968 wrote:
Mon Aug 27, 2018 6:52 am
The title" Stay the course" speaks for itself, yet all I see in on this Forum are numerous recent posts about getting rid of International or replacing TBM with CDs or MM funds because of a temporary downturn.
There is only one Jack Bogle. The rest of us are imposters.
by TonyDAntonio
Mon Jul 30, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: So go the FAANG, so goes the market?
Replies: 41
Views: 4779

Re: So go the FAANG, so goes the market?

...the five FAANG stocks...comprise nearly half of the NASDAQ index's market cap. So what? Why am I supposed to care about that? They're a big part of a small part of the market. Do you hold QQQ as your primary stock holding? I don't. Ten words the, be, to, of, and, a, in, that, have, and I account...
by TonyDAntonio
Sat Jul 07, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 6088

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

I'm not a mechanic so take this for what it's worth...I buy relatively inexpensive, new, cars and every one of them have been driven 200,000+ miles with the only maintenance being oil and filters. And the maintenance is diy. I add brake fluid when I bleed the brakes after brake jobs and I have new t...
by TonyDAntonio
Mon Jul 02, 2018 9:10 am
Forum: Personal Investments
Topic: Roth Conversion
Replies: 5
Views: 606

Re: Roth Conversion

jes58 wrote:
Mon Jul 02, 2018 7:21 am
Is money converted from a regular IRA to a Roth considered earned income ?
Not earned income
by TonyDAntonio
Sat Jun 23, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3877

Re: Does an IPS really need to be 5 pages long to be valuable?

dbr wrote:
Thu Jun 21, 2018 9:47 am
I don't have a written IPS.
Nor do I. If you are a Bogleheads type why would you have to write down: invest in the three fund portfolio and live below your means.
by TonyDAntonio
Fri Jun 22, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Most vs. Least satisfying home impovements
Replies: 35
Views: 3865

Re: Most vs. Least satisfying home impovements

We redid our master bathroom and aside from doing the work myself the redesign of the shower has given us the biggest sense of joy. We had a cruddy little glass enclosed shower in this giant space that always looked and felt awful. We turned it into a twice as big walk-in with no doors or glass or c...
by TonyDAntonio
Fri Jun 22, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: State tax on 401k contributions - what happens if you move?
Replies: 15
Views: 1094

Re: State tax on 401k contributions - what happens if you move?

I had always hoped to 'state tax arbitrage' in retirement, work in CA retire to NV or some low/no state tax state. Instead I'm involved in the wife-arbitrage: we are not moving!
by TonyDAntonio
Fri Jun 22, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 22432

Re: Can you retire on $2M?

I hope one can cause that's what my wife and I are attempting in the SF Bay area. No debt, small pension, SS on the horizon all help. Can't go crazy though.
by TonyDAntonio
Tue Jun 19, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 13319

Re: Retire at 50: Should I?

I "got" retired by IBM at 55, 3 years ago. My numbers were sort of like yours (less money but a pension that covered retiree healthcare and then some). I have loved everyday of retirement. The market going up has not hurt. 😎
by TonyDAntonio
Tue Jun 19, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: What does it mean: Rule No. 1: Never lose money
Replies: 75
Views: 7522

Re: What does it mean: Rule No. 1: Never lose money

This thread has been fascinating. From the LTCM story I copied this quote: “The people who are going broke in this situation are of two types, the ones who knew nothing and the ones who knew everything.” I take this to mean that you're better off with this bit of oxymoronicism: In investing it's bes...
by TonyDAntonio
Sun Jun 17, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 55
Views: 6731

Re: Has Anyone Tried Youtube TV?

We cancelled DirecTV, bumped up our internet speed for $39.99 per month with Comcast, and got YouTube TV for $35 per month plus one time purchases of Roku devices for each tv. Has worked out fine. I will say I watch as much Netflix, free with our T-Mobile signup, as I do YouTube TV.
by TonyDAntonio
Tue Jun 12, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 19088

Re: Top Shelf Liquor Overrated?

Im no drinking connoisseur by any means I can easily taste a difference with Evan Williams even when mixed with a 1:6 ratio of Cola compared with Jack, Crown Royal, etc I did not like Evan Williams on my limited search for cheap bourbon. Makers Mark and, surprisingly, Trader Joe's bourbon work for ...
by TonyDAntonio
Tue May 15, 2018 3:31 pm
Forum: Personal Investments
Topic: Anyone have experience with 'baby bonds'
Replies: 5
Views: 869

Re: Anyone have experience with 'baby bonds'

Thank you all who replied. Try as I might I'm just not up to becoming a sophisticated enough investor to dable in these.
by TonyDAntonio
Tue May 15, 2018 10:38 am
Forum: Personal Investments
Topic: Anyone have experience with 'baby bonds'
Replies: 5
Views: 869

Anyone have experience with 'baby bonds'

Has anyone invested in baby bonds? I just learned about them today and the one I stumbled upon seems like a good investment for someone looking for income, VZA (Verizon) It trades like an ETF. Price starts at $25 and seems to hover around there but will certainly go down as interest rates rise. Pays...
by TonyDAntonio
Mon May 07, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 26192

Re: most compelling TV character ever

straws46 wrote:
Sun May 06, 2018 3:51 pm
Joey Heatherton in those mattress commercials.
Joey had nothing on Ginger and Mary Ann.
by TonyDAntonio
Wed May 02, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 12592

Re: Have you quit eating sugar? Tell me how!

I have no idea how I've done it but I stopped eating sugar, except carbs an fruit, sometime in January. I read an article and just started not eating sugar. And trust me I ate sugar all the time, after every meal. I've lost some weight and feel somewhat better but nothing earth shattering. I wish I ...
by TonyDAntonio
Tue Apr 17, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 11475

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Easy peasy. I get dividend income out of my retirement accounts every quarter and I have yet to make an IRA withdrawal nor have I changed my asset allocation. Buy in IRA with dividend proceeds, sell same etf in taxable. Pay long term capital gains on 'dividend' income. So---in a simplified world---...
by TonyDAntonio
Tue Apr 17, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 11475

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Thanks to this site I now worry that I don't have enough for retirement with 2 million plus and no debt including a paid off house in the SF Bay area. Thank you bogleheads. 🙄 If you invest in VIG - or one of those Vanguard target retirement income trust, you can make 2.5% to 5% easily per year. I f...
by TonyDAntonio
Tue Apr 17, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 11475

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

The BH standard answer to this type of questions "You need twice the portfolio that you have" Yeah. I also find it amusing that there are so many threads accusing people of bragging when they ask "I have $3M, can I retire?" As if that is such an absurd question, the only reason you might ask it is ...
by TonyDAntonio
Tue Apr 17, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 11475

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Of course. That's basically just spending dividends. Well, yes, I suppose, except that a portion of the dividends are being generated within the retirement accounts and are thus not easily accessible, and so I figure that one will have to sell some portion of the principal within the taxable accoun...
by TonyDAntonio
Tue Apr 17, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 5780

Re: Bull Market Timing

Thanks for the reminders. Will continue to dollar cost average in good times and bad. I just enjoyed it a little more a couple years ago when values seemed more reasonable. Prepared for anything and sticking to the plan. The greatest thing about being in the investing stage and not in the spending ...
by TonyDAntonio
Tue Apr 17, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 13689

Re: We crush stock indexes, Yale claims

Doesn't Dave Ramsey and his armada of 'active growth mutual funds' earn 12% per year? What's the big deal here? 🤔
by TonyDAntonio
Tue Mar 27, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Grok's LMP-4: The 3-legged stool approach to retirement planning
Replies: 150
Views: 15954

Re: Grok's LMP-4: The 3-legged stool approach to retirement planning

Surprised klangfool hasn't responded with the 'termites' that are going to eat some of these stool legs. This hypothetical woman is 50 and makes $126,000 per year? She's never going to make it to 65 employed at this salary level. She'll be laid off long before then, like I was. Hopefully she's saved...
by TonyDAntonio
Fri Mar 16, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: MDY<->IJH and AGG<->BND wash sale rule
Replies: 8
Views: 586

Re: MDY<->IJH and AGG<->BND wash sale rule

If you look at the holdings of AGG and BND they are different. That's the issue that has never been addressed by the IRS: how different, exactly, do they have to be. I would wash sale these two but I'm not you.
by TonyDAntonio
Thu Mar 15, 2018 3:43 pm
Forum: Personal Investments
Topic: Paul Merriman's Ultimate Buy-and-Hold portfolio using various index funds or ETFs
Replies: 11
Views: 3743

Re: Paul Merriman's Ultimate Buy-and-Hold portfolio using various index funds or ETFs

I use Merriman's portfolio for my equity. It is split up in my IRA, ROTH and taxable. I have it duplicated in a 401K that has access to DFA funds. Except for the 401K it is all in ETFs, mostly Vanguard. It's what I started with when I started to take this stuff seriously and it hasn't been hard to k...
by TonyDAntonio
Thu Mar 15, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended savings ‘Buckets’?
Replies: 30
Views: 2980

Re: Recommended savings ‘Buckets’?

I use a red bucket for my emergency cash. My wife's bucket has a big hole in it. 😀
by TonyDAntonio
Thu Mar 15, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: How many people small value-tilt international?
Replies: 13
Views: 2174

Re: How many people small value-tilt international?

DLS and VSS in IRA. DFA in 401K. Have held these since about 2008. I think DLS has been the best but I don't really track them, just rebalance.

Edit...looks like DISVX has been the best with a recent run up.
by TonyDAntonio
Mon Mar 12, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9235

Re: Finally Cutting the Cord - YouTube TV

We had DirecTV, AT&T internet and mobile while my son worked for them and got a great discount. When he left for another job we switched everything and so far so good. ROKU YoutubeTV Xfinity internet T-Mobile (+ free Netflix) We switched to save money and so far the quality of the services have been...
by TonyDAntonio
Fri Mar 02, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10250
Views: 1804822

Re: Buying the latest dip

Time in the market not timing the market. So...you should have invested all your money well before you were born. So...since you can't do that you should invest today.
by TonyDAntonio
Thu Mar 01, 2018 11:17 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11439

Re: How does one emotionally keep it together during market swings?

When I was working it was, "Hey, stocks are on sale. Glad I'm accumulating". In retirement it's, "Glad I built that multi year cushion of ibonds, savings bonds, money markets, guaranteed interest, and cash fund."

Find what works for you because the market will swing wildly.
by TonyDAntonio
Thu Mar 01, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Question for older bicyclist, coming back from injury
Replies: 42
Views: 3022

Re: Question for older bicyclist, coming back from injury

I have had two serious falls and a couple of minor ones. None were caused by the clipless pedals which I view as one of the great bicycle innovations in my lifetime. It's been a long time between falls so it's easy for me to hold this view: I look at the falls as the price one must pay for the thril...
by TonyDAntonio
Tue Feb 27, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Autoblog now lists the Toyota Camry as 7th worse for depreciation
Replies: 7
Views: 1351

Re: Autoblog now lists the Toyota Camry as 7th worse for depreciation

May be true but my son still drives my mother's 1999 Camary. I don't know what it would sell for but cars that last 19 years are on my list to buy.
by TonyDAntonio
Thu Feb 22, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Is there a way to send text messages on my computer?
Replies: 30
Views: 4341

Re: Is there a way to send text messages on my computer?

Not to hijack, but in the same spirit of this thread...anyone know how to make my car go faster by using a buggywhip?

😀
by TonyDAntonio
Wed Feb 14, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 13135

Re: Honda vs. Toyota: Which has more bang for the buck?

We just bought a new 2018 Mazda 3 for $18,000 -something out the door, not the base model either. We were lucky with year end pricing but I'd look at Mazdas too. This is my wife's car. I drive a Honda CR-V that is a few years old. My former car that my daughter now has is a Mazda 3.