Search found 418 matches

by TonyDAntonio
Thu Sep 20, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: So new to all this it hurts!
Replies: 27
Views: 3299

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: 1239

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: 56
Views: 5185

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: 215
Views: 12200

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: 40
Views: 5512

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: 4633

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: 5841

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: Investing - Help with Personal Investments
Topic: Roth Conversion
Replies: 5
Views: 567

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: 3643

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: 3731

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: 1017

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: 21621

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: 12807

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: 7221

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: 6342

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: 18224

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: Investing - Help with Personal Investments
Topic: Anyone have experience with 'baby bonds'
Replies: 5
Views: 699

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: Investing - Help with Personal Investments
Topic: Anyone have experience with 'baby bonds'
Replies: 5
Views: 699

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: 25041

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: 11592

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: 10060

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: 10060

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: 10060

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: 10060

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: 5232

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: 12534

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: 114
Views: 11145

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: 510

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: Investing - Help with Personal Investments
Topic: Paul Merriman's Ultimate Buy-and-Hold portfolio using various index funds or ETFs
Replies: 11
Views: 2752

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: 2753

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: 1950

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: 40
Views: 7128

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 freefall
Replies: 6845
Views: 1495985

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: 111
Views: 9537

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: 2791

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: 1098

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: 4023

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: 12337

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.
by TonyDAntonio
Wed Feb 14, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 13373

Re: Did you learn anything from the market correction?

I learned that I have a lot more money to lose than I did back in 2008. I'm glad I sold a lot of equities prior to this run up that was not impacted by this drop but my God, some of the one day, paper loss totals were surprising to me. I guess I still have to get use to being rich. 😀. I was consoled...
by TonyDAntonio
Tue Feb 13, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 10595

Re: Job is starting to suck the life out of me.

Only you can answer this and you have all the options right here in this thread. I worked 30 years at megacorp and knew I would from day one. I did a good job. I never hated work but most of my happiness came from being secure and from my family and hobbies. Others I worked with had to get out.
by TonyDAntonio
Fri Feb 09, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: What day of the week do you invest?
Replies: 11
Views: 919

Re: What day of the week do you invest?

Any day that ends in 'y'.
by TonyDAntonio
Wed Feb 07, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 9074

Re: Anyone else cashing out on *some* of the crazy earnings?

I cashed in big time and used it to move up to a waaaay better house. Houses as good for us as this one that we can also afford might come on the market once a year if that. The market could double next year but I wont lose sleep over it. The decision to cash in wasnt because the market went up but...
by TonyDAntonio
Wed Feb 07, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Stealing from the kids for our retirement [High valuations => depressed future returns expectations]
Replies: 54
Views: 5870

Re: Stealing from the kids for our retirement

On the contrary, I think there are a lot of older people dying and leaving their remaining assets to their children. The older ones didn't inherit anywhere near the same amount as the younger ones do. Yes. I always joke with my wife, "my money is our money and her money is her money". That extends ...
by TonyDAntonio
Tue Feb 06, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Keep your eye on the owner, not the dog
Replies: 31
Views: 5282

Re: Keep your eye on the owner, not the dog

I actually like a cartoon I saw in a Ric Edelman book. It was a kid climbing a hill with a yo-yo going up and down. Pay attention to the hill climb not the short-term ups and downs of the yo-yo.
by TonyDAntonio
Fri Feb 02, 2018 12:36 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 9074

Re: Anyone else cashing out on *some* of the crazy earnings?

Just so you are not disappointed, my comment would be that timing the market is a losing proposition. Capture your gains by rebalancing and just stay the course. I'm rebalancing into money market funds, ibonds, guaranteed interest funds and a new car, well above amounts that I have held before in '...
by TonyDAntonio
Thu Feb 01, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds and TD Account
Replies: 3
Views: 483

Re: I Bonds and TD Account

I don't know all the details. I just know that I set up one TD account for me and one for my wife. And I buy ibonds in each one most years. I recently followed their instructions to move my paper savings bonds into an account linked to my TD account. Took about a month for each batch of 50 savings b...
by TonyDAntonio
Thu Feb 01, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Is changing AA considered market timing?
Replies: 37
Views: 1910

Re: Is changing AA considered market timing?

If changing your allocation is in your IPS then it's not market timing.
😀
by TonyDAntonio
Wed Jan 31, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2878

Re: looking for positive experiences transferring to Vanguard

My daughter recently transferred a 401k from an old employer to a Vanguard IRA. She did it by herself by calling Vanguard. Zero problems.
by TonyDAntonio
Tue Jan 30, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: What if Your Play Money Blows Up?
Replies: 31
Views: 4458

Re: What if Your Play Money Blows Up?

Lately I've been buying ibonds with my play money. God I'm old.
by TonyDAntonio
Tue Jan 30, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6845
Views: 1495985

Re: U.S. stocks in freefall

Posters sound so calm and are sticking to their plans. That's easy to do with a small dip. We will see how it goes when they get hit in the nose with a 20% drop. They just got a tap on the shoulder. Wait until they get a punch to the mouth. Some will stick it out, many others not. Full disclosure -...