Search found 3034 matches

by mega317
Fri May 17, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: $ Decisions: environmental, save the planet, organic, etc
Replies: 29
Views: 1481

Re: $ Decisions: environmental, save the planet, organic, etc

Consumer product choices increasingly seem to offer slightly intangible benefits. I don't think you mean intangible. If you want to make the case that something is better for your health or the environment, that is tangible. Even if you as an individual can't see or don't know how to evaluate the e...
by mega317
Fri May 17, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Treasury Direct ?
Replies: 34
Views: 1929

Re: Anyone use Treasury Direct ?

I think it comes down to personality. My password manager will fill in my account number, and then I have to type the password on the on-screen keyboard. My password is 10 characters so conservatively it takes me less than 10 seconds which doesn't bother me at all. On the other hand I find it unnece...
by mega317
Fri May 17, 2019 12:05 pm
Forum: Personal Investments
Topic: Delete
Replies: 18
Views: 3674

Re: 30 years old, What should I do with all this cash?

Knibb High football rules
by mega317
Thu May 16, 2019 4:18 pm
Forum: Personal Investments
Topic: Money market vs. savings account for windfall
Replies: 8
Views: 939

Re: Money market vs. savings account for windfall

If it will help you make a decision, you might look at this as no big deal. After all you are probably saving 250k in less than 2 years.
by mega317
Thu May 16, 2019 12:35 pm
Forum: Personal Investments
Topic: Confused re taxable accounts yields in various MM options
Replies: 5
Views: 538

Re: Confused re taxable accounts yields in various MM options

I am sorry for your loss. It is not easy to sort this stuff out, and it usually needs to be done at the worst times. What you're interested in is your marginal, not effective, tax rate. With the numbers you gave I do suspect those are your marginal rates but not necessarily. The easy answer to your ...
by mega317
Thu May 16, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: How much is the 401K and retirement savings propping up the market?
Replies: 26
Views: 3248

Re: How much is the 401K and retirement savings propping up the market?

If our kids stop investing in the stock market (or the population goes down) will the makets value just slowly decline at the time I’ll retire and start to draw down my funds? Sure, if the population goes down, I do think the stock market would not fare well. And sure if all of our kids stop invest...
by mega317
Thu May 16, 2019 12:25 pm
Forum: Personal Investments
Topic: Good fund to accumulate for mortgage payoff
Replies: 29
Views: 2835

Re: Good fund to accumulate for mortgage payoff

this is a risk mitigation strategy I am wondering what fund would be best to hold this cash that can pay me more than 2.75% after tax. These statements are at odds. Anything yielding more than 2.75% after tax would have MORE risk than paying down the mortgage. (Perhaps if willing to jump through ho...
by mega317
Thu May 16, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Google Chrome Users - How do you stop the address bar from being a search box?
Replies: 9
Views: 1483

Re: Google Chrome Users - How do you stop the address bar from being a search box?

Another option, I don't know if this helps you, is Ctrl+Enter. If you type a word then that combination, it will add www. to the beginning and .com to the end and take you to a website rather than a google search. "Bogleheads" then Ctrl+Enter, leads to www.bogleheads.com which redirects to boglehead...
by mega317
Thu May 16, 2019 12:36 am
Forum: Personal Investments
Topic: Taxable/Quasi Emergency Fund Question
Replies: 6
Views: 541

Re: Taxable/Quasi Emergency Fund Question

Instead of having an overfunded emergency fund, you can put an appropriately-sized emergency fund in a savings account or similar, and invest the difference in a tax-efficient manner. You could also put your entire taxable account in very tax-efficient stock funds and adjust your tax advantaged hold...
by mega317
Wed May 15, 2019 12:53 pm
Forum: Personal Investments
Topic: Bond allocation question
Replies: 9
Views: 649

Re: Bond allocation question

If your 401k bond options really are terrible, then bonds in the Roth is a wonderful backup plan. Some people post on this forum that their options are terrible but it turns out they have a good quality intermediate term bond fund, but the expense ratio is closer to 0.5% than 0.05%. That's not terri...
by mega317
Wed May 15, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Too much disability insurance?
Replies: 4
Views: 235

Re: Too much disability insurance?

It sounds like your filled out your application inaccurately since you will become eligible in the next year. You need to talk to your agent.
by mega317
Wed May 15, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: long term disability insurance- strategies for managing cost?
Replies: 10
Views: 599

Re: long term disability insurance- strategies for managing cost?

I am saying that if it's cost-prohibitive then you should find the money somewhere else, don't just go uninsured.
by mega317
Tue May 14, 2019 5:14 pm
Forum: Personal Investments
Topic: Delete
Replies: 18
Views: 3674

Re: 30 years old, What should I do with all this cash?

Welcome to the forum. I suggest you edit your post to conform to the format in the "asking portfolio questions" thread. Specifically you will need to give fund names and expense ratios--most people won't know what those are. One thing I think you need to ask yourself is WHY do you want "something el...
by mega317
Mon May 13, 2019 8:19 pm
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 7087

Re: For how long will the forum be around?

Until such time as humanity agrees on lump sum vs DCA.
by mega317
Mon May 13, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: long term disability insurance- strategies for managing cost?
Replies: 10
Views: 599

Re: long term disability insurance- strategies for managing cost?

Your quotes seem within reason to me as well. Perhaps buy a smaller amount with a future purchase option? Is there no room to trim your budget to manage the premiums? If you are the kind of person who should have DI then you really should have it.
by mega317
Mon May 13, 2019 4:19 pm
Forum: Personal Investments
Topic: Fixed income in taxable?
Replies: 6
Views: 738

Re: Fixed income in taxable?

Well, VAIPX will be taxed by the federal government but not your state, while VWIUX will be taxed by your state but not federal. VAIPX is not a particularly good investment for a taxable account because of the tax treatment, while VWIUX might be appropriate for some in high brackets only. Maybe you ...
by mega317
Sun May 12, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: How to replace HDD with SSD
Replies: 16
Views: 1614

Re: How to replace HDD with SSD

Thanks everyone for your input. Both options--cloning and using USB boot drive--seem very doable to me. You also gave me the appropriate terminology to improve my google and youtube searches. The actual hardware shouldn't be a problem, I have built 2 computers, opened many more, and have 3 SSDs that...
by mega317
Sat May 11, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Preventing motion sickness in children
Replies: 6
Views: 520

Re: Preventing motion sickness in children

I mean the natural thing would be to walk/row to your destination. But I have also read noise cancelling headphones help some.

Are you sure it's actually motion sickness? Kids will also report anxiety as head or stomach ache.
by mega317
Sat May 11, 2019 9:06 pm
Forum: Personal Investments
Topic: Moving a lump of cash into Stocks/Bonds over time or all at once
Replies: 14
Views: 1291

Re: Moving a lump of cash into Stocks/Bonds over time or all at once

Just to address another part of your question, it really doesn't matter bond fund vs money market for a short period of time. Figuring out the stock/fixed income ratio is the plot here.
by mega317
Sat May 11, 2019 8:59 pm
Forum: Personal Investments
Topic: First Book to Get - Edited
Replies: 11
Views: 1225

Re: First Book to Get - Edited

The one that converted me is the Little Book of Common Sense Investing, also by Bogle.

https://www.amazon.com/Little-Book-Comm ... b_title_bk
by mega317
Thu May 09, 2019 11:39 pm
Forum: Personal Investments
Topic: low risk investing
Replies: 6
Views: 530

Re: low risk investing

With as little as possibly 6 months, you don't have a lot of options, and the differences between options will be negligible. I don't remember ever seeing a 6 month CD that pays more than any reasonable savings account or money market fund for example. Just use one of those, which ever is most conve...
by mega317
Thu May 09, 2019 11:35 pm
Forum: Personal Investments
Topic: Am I living within my means, and opinions on AA
Replies: 11
Views: 2232

Re: Am I living within my means, and opinions on AA

If you're saving 31% of gross the answer appears to be yes. That seems like a lot of house and car for your income, certainly you don't need a 40k car just because of the kids, but it seems fine.
by mega317
Thu May 09, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: How to replace HDD with SSD
Replies: 16
Views: 1614

How to replace HDD with SSD

I am shopping for a Windows computer to use for one specific task which will not require high end specs. I am finding some promising ones in the ~$300 range but I would like an SSD which these don't have. I have several SSDs that I can take from other computers. My questions are: Can I replace the h...
by mega317
Thu May 09, 2019 11:32 am
Forum: Personal Investments
Topic: windfall management
Replies: 38
Views: 3382

Re: windfall management

I don't know about flamed incessantly. This thread has been pretty gentle. But it's an important point that OPs savings rate is comparable to many people with smaller incomes, and so the OP should expect to work a comparable duration -- he's not close to retirement in his 30s.
by mega317
Wed May 08, 2019 5:05 pm
Forum: Personal Investments
Topic: windfall management
Replies: 38
Views: 3382

Re: windfall management

sjt wrote:
Wed May 08, 2019 12:36 pm
Sounds like you've just about won the game
I realize you were making a point about spending time with kids, but OP has decidedly NOT just about won the game. Total assets are less than 15x expenses and s/he seems to have very low appetite for risk.
by mega317
Wed May 08, 2019 10:31 am
Forum: Personal Investments
Topic: windfall management
Replies: 38
Views: 3382

Re: windfall management

I think you need to think more about what you want your allocation to be. As I wrote upthread you're currently around 40% stock. At the end of a prolonged DCA you will be at some other number, presumably significantly higher. Which of those numbers is correct for you? With a slow DCA you are going t...
by mega317
Wed May 08, 2019 8:38 am
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6408

Re: The 4% rule

the Trinity study show nearly 100% success with stocks at 25% 74% From Early Retirement Now's Ultimate Guide to Safe Withdrawal Rates https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ https://i0.wp.com/earlyretirementnow.com/wp-content/uploads/2016/...
by mega317
Wed May 08, 2019 7:15 am
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6408

Re: The 4% rule

elainet7 wrote:
Wed May 08, 2019 7:03 am
the Trinity study show nearly 100% success with stocks at 25%
74%
by mega317
Wed May 08, 2019 7:14 am
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6408

Re: The 4% rule

25 years of retirement........4% withdrawals per year. 4% x 25 = 100%. Just a rough guess or rough guideline to follow. Here is an article on 4% rule versus 25 times expenses https://www.thebalance.com/dont-confuse-these-two-retirement-rules-of-thumb-453920 This from the article makes no sense and ...
by mega317
Wed May 08, 2019 5:57 am
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6408

Re: The 4% rule

The math behind the problem is hard. That's why the 4% is not a "rule", but simply the observation that backtesting a 60/40 portfolio, 4% real withdrawal did not deplete completely the capital over 30 years in 95% (iirc) of the cases. It's a 50/50 portfolio. It isn't a 50/50 portfolio. You should r...
by mega317
Wed May 08, 2019 5:19 am
Forum: Personal Investments
Topic: windfall management
Replies: 38
Views: 3382

Re: windfall management

msk wrote:
Wed May 08, 2019 5:03 am
Your father had regrets because he bought individual stocks.
That was initially how I read it too, but OP didn't really say that. Could have been funds.
by mega317
Wed May 08, 2019 4:56 am
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2011

Re: What’s in your pocket?

~5 years ago I switched from a typical back pocket wallet to a Bellroy https://bellroy.com/products/card-pocket/default/black zippered front pocket "card holder". It is waterproof and very comfortable. The zipper makes it "safer" too. I'll never use a "regular" wallet again. I can't wait for the da...
by mega317
Wed May 08, 2019 4:50 am
Forum: Personal Investments
Topic: International Fixed Income
Replies: 11
Views: 1020

Re: International Fixed Income

I realize this doesn't answer your question at all, but how you specifically structure your fixed income, within reason, has essentially no effect on your returns when compared to deciding your stock/FI ratio.
by mega317
Wed May 08, 2019 4:45 am
Forum: Personal Consumer Issues
Topic: life insurance
Replies: 15
Views: 982

Re: life insurance

I'd shop around for an agent. Keep looking until you find someone who explains to you that a 25k policy makes no sense, and will discuss your situation and help come up with a plan. I don't know what "nice income" means but even 250k sounds awfully low.
by mega317
Wed May 08, 2019 4:42 am
Forum: Personal Investments
Topic: Investing in Taxable brokerage acct at - Please advise!
Replies: 3
Views: 531

Re: Investing in Taxable brokerage acct at - Please advise!

What do you mean access liquid funds occasionally? Like, you have a big expense coming in the nearish future? Keep that money safe. If you are just worried about selling when stocks are down, whatever that means, then the advice to exchange bonds for stocks in tax advantaged is good. If your taxable...
by mega317
Wed May 08, 2019 4:36 am
Forum: Personal Finance (Not Investing)
Topic: Part time job ideas
Replies: 10
Views: 1312

Re: Part time job ideas

If you want to write, you just have to start writing. A blog is a way to "publish" and at least have a chance of getting some audience. I believe the more popular physician bloggers have done posts on how they started. None of them made much money for a while. You can do what I did--connected with b...
by mega317
Wed May 08, 2019 4:24 am
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6408

Re: The 4% rule

The math behind the problem is hard. That's why the 4% is not a "rule", but simply the observation that backtesting a 60/40 portfolio, 4% real withdrawal did not deplete completely the capital over 30 years in 95% (iirc) of the cases. It's a 50/50 portfolio. I'm surprised there are so many pages of...
by mega317
Wed May 08, 2019 3:54 am
Forum: Personal Investments
Topic: windfall management
Replies: 38
Views: 3382

Re: windfall management

It's pretty interesting that you seem very nervous about buying stocks, mentioning your father's regret, yet you own 1.3 million dollars of stock. I think it's actually not unreasonable to NOT invest this. It would leave you with a stock/fixed income ratio around 40/60 which, while too conservative ...
by mega317
Tue May 07, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2011

Re: What’s in your pocket?

Umbrella insurance policy printout? This might be my favorite post in the history of Bogleheads.org. Still laughing. The whole string is great. I just recently switched to a slim wallet, cut out things I have been carrying but not using for 7+ years! like my google account recovery codes and FSA de...
by mega317
Tue May 07, 2019 2:00 pm
Forum: Personal Investments
Topic: Bond Fund in Taxable Account
Replies: 4
Views: 532

Re: Bond Fund in Taxable Account

It probably doesn't matter much. I'd personally use VWIUX to avoid the purchase fee.

You want to base these decisions on your marginal rate, not effective. Though it seems you are in a high enough bracket to justify munis.
by mega317
Tue May 07, 2019 1:55 pm
Forum: Personal Investments
Topic: Where to park college funds for 4 years?
Replies: 14
Views: 1268

Re: Where to park college funds for 4 years?

What is the size of the lump sum compared to college expenses? Sounds like you don't really know the latter with any precision. I'd be tempted to incorporate it into my total portfolio and then pay for college using whatever is most convenient at the time--the shares I purchased with this money, or ...
by mega317
Tue May 07, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Kaiser HMO
Replies: 25
Views: 1285

Re: HDHP vs Kaiser HMO

It would be helpful if you posted the specifics of the plans available to you--premiums, out of pocket max, etc. But it is also evident that doctors employed by Kaiser may not be as good as private practitioners, and there might be problem if some special (not main stream) knowledge required. Why wo...
by mega317
Tue May 07, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 7037

Re: Which US city would you move to?

The weather itself disqualifies a large percentage. The ones that have good weather have become so popular that they are unaffordable. Weather might not be important at all to the OP, and depending on what you mean by good weather there are plenty of cheap places. I lived for a time in a city where...
by mega317
Tue May 07, 2019 2:51 am
Forum: Personal Finance (Not Investing)
Topic: Calculating Savings Rate
Replies: 15
Views: 1547

Re: Calculating Savings Rate

THERE IS ZERO AGREEMENT ON ANYTHING THAT HAS ANYTHING TO DO WITH HOW TO CALCULATE SAVINGS!!! There isn't much agreement about almost everything, People have different opinions and experiences. OP what are you going to do with the information? I find it more useful to determine absolute dollars need...
by mega317
Tue May 07, 2019 2:38 am
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 7037

Re: Which US city would you move to?

OP, care to make this personal or actionable? What's your income, where do you live now, where are you considering moving to?

I loved North Carolina when I live there, would probably go back if not for wife's family.
by mega317
Tue May 07, 2019 2:32 am
Forum: Personal Investments
Topic: Best place for savings for a future car purchase
Replies: 5
Views: 840

Re: Best place for savings for a future car purchase

It doesn't really matter, you're talking about a difference in the neighborhood of $100 between options. I'd keep it absolutely as liquid as possible, so I personally wouldn't use a CD. Savings account, money market fund, pick one and move on with your day.
by mega317
Tue May 07, 2019 2:26 am
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13258

Re: I tried to fire my financial advisor of 12 years today...

I actually owe him a lot as he has helped me get a solid savings plan in order when I was younger and financial inept. Do you think you owe him more than the 9k you paid this year plus whatever you paid the other 11 years? He made a lot of arguments that were confusing and frankly over my head. Tha...
by mega317
Tue May 07, 2019 2:13 am
Forum: Personal Investments
Topic: Has anyone invested in marijuana stocks?
Replies: 23
Views: 1900

Re: Has anyone invested in marijuana stocks?

take a huge risk now in exchange for possibly a ridiculous return within 2-3 years by going all-in How big is ridiculous? You can only contribute 6k per year to a Roth so even with astronomical returns you're not talking about life changing money. Then when the price is good and everything is going...
by mega317
Mon May 06, 2019 8:04 pm
Forum: Personal Investments
Topic: Has anyone invested in marijuana stocks?
Replies: 23
Views: 1900

Re: Has anyone invested in marijuana stocks?

more and more states and countries seems to keep lessening restrictions on it This sentence makes me think that you think you know more than those who make the market. Hey it's been all good news for legalization so these stocks have nowhere to go but up. I'm just wondering what would happen with o...
by mega317
Mon May 06, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Total allowable annual Retirement account contribution and Backdoor Roth
Replies: 6
Views: 533

Re: Total allowable annual Retirement account contribution and Backdoor Roth

IRAs are separate.

There is no such account called a "backdoor Roth". Anyone (AFAIK) can contribute to a nondeductible traditional IRA and do a Roth conversion, regardless of other traditional IRAs you might have. It might not be advisable but there aren't "criteria".