Search found 59 matches

by BullHouse_BearMarket
Mon Mar 01, 2021 8:58 am
Forum: Investing - Theory, News & General
Topic: Real Estate Investing Advice
Replies: 9
Views: 962

Re: Real Estate Investing Advice

Thank you all so much for the advice. Lock down a property for small down payment, utilize a mortgage, improve the property, re-assess and refinance taking cash out, use cash as down payment on next property. Rinse and repeat. Some determine they only need one or two rental properties, so they buy o...
by BullHouse_BearMarket
Fri Feb 26, 2021 10:10 am
Forum: Investing - Theory, News & General
Topic: Real Estate Investing Advice
Replies: 9
Views: 962

Re: Real Estate Investing Advice

Sandtrap, thank you so much for your advice and time. I always enjoy reading your posts on various threads. I will do the search you recommend and read all I can. I tend to avoid other forums as I prefer the knowledge and wisdom found here. I certainly agree with starting small. I won't jeopardize m...
by BullHouse_BearMarket
Fri Feb 26, 2021 8:34 am
Forum: Investing - Theory, News & General
Topic: Real Estate Investing Advice
Replies: 9
Views: 962

Real Estate Investing Advice

Hello and thank you for taking the time to read and leave advice. For years I have wanted to get into the real estate investing game. Unfortunately, I never had the capital I was comfortable spending to enter the market, until now. My plan is to start with some lower cost rentals but not dumps. I've...
by BullHouse_BearMarket
Mon Jan 11, 2021 10:08 am
Forum: Personal Investments
Topic: Please advise doc who wants to retire early
Replies: 103
Views: 8812

Re: Please advise doc who wants to retire early

[/quote] Thank you, any great advantage to also include BNDX? [/quote] It gives you extra diversity. Doing a quick backtest on Portfolio Visualizer, it looks like both have performed very similarly. It is common on this forum to hold a portion of bonds in International for the added diversity. I wou...
by BullHouse_BearMarket
Mon Jan 11, 2021 8:58 am
Forum: Personal Investments
Topic: Please advise doc who wants to retire early
Replies: 103
Views: 8812

Re: Please advise doc who wants to retire early

You seem adverse to risk and maybe get distracted by headlines of stocks being overvalued or another crash is imminent. Those headlines have been repeated frequently since 2010, but anyone who listened to them and didn't invest in stocks lost out. I'd say go with 70% stock, 30% bond. Depending on yo...
by BullHouse_BearMarket
Tue Jan 05, 2021 10:12 am
Forum: Investing - Theory, News & General
Topic: Riding HEDGEFUNDIE’s excellent adventure
Replies: 64
Views: 14091

Re: Riding HEDGEFUNDIE’s excellent adventure

Today is rebalance day for me. Start date: 11/7/2019 Approach: Fixed allocation - 55/45 UPRO/TMF Rebalancing frequency: Quarterly Return (total / YTD): 61% / ? Initial contribution: $10,000 Additional contributions: $4,000 Portfolio location: Roth IRA, M1Finance Rebalanced today. Return since incep...
by BullHouse_BearMarket
Mon Dec 28, 2020 11:50 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 826
Views: 93758

Re: Why not 100% PSLDX?

I'm potentially interested in PSLDX as well. Do you know what happened to the fund on Dec 8th? :confused https://www.dropbox.com/s/43ao20wemh3stcb/Screen%20Shot%202020-12-28%20at%2011.36.25%20AM.png?dl=0 That was from the long and short term capital gains distributions. 49.6 cents/share were distri...
by BullHouse_BearMarket
Thu Dec 24, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 826
Views: 93758

Re: Why not 100% PSLDX?

OuterBanks wrote: Thu Dec 24, 2020 8:15 am Dividend was on December 9, 2020.
I think that was short and long term capital gains distribution. Typically the quarterly dividend follows on the last Thursday in December. I suppose it is possible there won't be one.
by BullHouse_BearMarket
Thu Dec 24, 2020 8:12 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 826
Views: 93758

Re: Why not 100% PSLDX?

I think it is dividend day but not entirely sure. Seems like it is usually the last Thursday of December.
by BullHouse_BearMarket
Wed Dec 09, 2020 5:54 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 826
Views: 93758

Re: Why not 100% PSLDX?

At about $1 a year, give or take, the reinvestment works great to keep building the share count and thus more distribution value each year. No complaints with low share value when it pays over 10% each year.
by BullHouse_BearMarket
Wed Dec 09, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 826
Views: 93758

Re: Why not 100% PSLDX?

Capital gains day, hopefully, right?
by BullHouse_BearMarket
Sat Nov 28, 2020 8:21 pm
Forum: Personal Investments
Topic: Heads Up - Rebalance
Replies: 36
Views: 3970

Re: Heads Up - Rebalance

I'm no conspiracy theorist, buuutttttt....... Lucky call or...?
by BullHouse_BearMarket
Tue Oct 13, 2020 9:21 am
Forum: Personal Investments
Topic: $100K Inherited IRA w/ 5-10 year span. Looking for advice on allocation and timing.
Replies: 12
Views: 1314

Re: $100K Inherited IRA w/ 5-10 year span. Looking for advice on allocation and timing.

I will post what I posted in response to yours on the Hedgefundie thread. Just saw you made this separate post. For what you are saying, strongly consider PSLDX. I don't know your investing acumen but this fund makes it easy. It is a core holding of Hedgefundie and many others. It's average return s...
by BullHouse_BearMarket
Tue Oct 13, 2020 9:10 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 8021
Views: 784506

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

$100,000 will be available for trading on Weds. I’m looking to enter some long positions on some ETF’s and Mutual Funds. Assuming I pick some winning strategies with positive upsides and the occasional rebalancing, what’s my potential growth looking like at around the 10 year mark? It’s an inherite...
by BullHouse_BearMarket
Thu Oct 01, 2020 7:43 am
Forum: Investing - Theory, News & General
Topic: Riding HEDGEFUNDIE’s excellent adventure
Replies: 64
Views: 14091

Re: Riding HEDGEFUNDIE’s excellent adventure

Today is rebalance day for me.

Start date: 11/7/2019

Approach: Fixed allocation - 55/45 UPRO/TMF

Rebalancing frequency: Quarterly

Return (total / YTD): 61% / ?

Initial contribution: $10,000

Additional contributions: $4,000

Portfolio location: Roth IRA, M1Finance
by BullHouse_BearMarket
Mon Jul 20, 2020 7:38 am
Forum: Personal Investments
Topic: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.
Replies: 25
Views: 4331

Re: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.

Wow many helpful replies to come back to on a Monday morning. I apologize for not checking these over the weekend. My FIL passed a few months ago Thank you for your kind words and please accept my condolences to you and your spouse as well. It is a very tough thing to go through at a young age. Also...
by BullHouse_BearMarket
Fri Jul 17, 2020 2:26 pm
Forum: Personal Investments
Topic: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.
Replies: 25
Views: 4331

Re: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.

Have you read the primer on tax efficient asset allocation? I have not read that, but will definitely be doing so. Thank you for the resource. You should do some estimations yourself I've run several scenarios through RMD calculators and have a decent idea of what to expect. This is why I think con...
by BullHouse_BearMarket
Fri Jul 17, 2020 12:18 pm
Forum: Personal Investments
Topic: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.
Replies: 25
Views: 4331

Re: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.

IMO it makes no sense to hold PSLDX and bonds at the same time That was actually my thinking and I should have phrased my question better. Thank you and sorry for the confusion there. Would you think increasing international in one of the Inherited IRAs to 20-30% of stocks would be a good idea? If ...
by BullHouse_BearMarket
Fri Jul 17, 2020 9:34 am
Forum: Personal Investments
Topic: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.
Replies: 25
Views: 4331

Re: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.

What does your wife say about this? I would never make any investment without her say so, whether it be my accounts or hers. She agreed after reviewing what the fund is, how it works, backtesting against other possible asset mixes, performance through the great recession, 2018 sell off, and recent ...
by BullHouse_BearMarket
Fri Jul 17, 2020 9:28 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 826
Views: 93758

Re: Why not 100% PSLDX?

Man, people really are adverse to PSLDX. My thread I started asking about things completely unrelated to it, has become an anti-PSLDX thread. Not what I was hoping for, but should have known better.

viewtopic.php?f=1&t=320333&p=5376305#p5376305
by BullHouse_BearMarket
Fri Jul 17, 2020 7:18 am
Forum: Personal Investments
Topic: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.
Replies: 25
Views: 4331

Re: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.

I was worried this would turn into an anti-PSLDX thread. I appreciate everyone's concern and advice regarding that investment but I did not jump into it on a whim and spent a lot of time researching and understanding before pulling the trigger. So, PSLDX aside, does anyone have some more advice rega...
by BullHouse_BearMarket
Thu Jul 16, 2020 9:06 am
Forum: Personal Investments
Topic: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.
Replies: 25
Views: 4331

Re: *Update* to Unexpected Loss of MIL and Handling Windfall

you need to know what, if anything Vanguard will charge you to sell the investments in that account. I hadn't even thought of that! Thank you. Regarding the mortgage, we will likely be moving by the end of 2022. To use the windfall to pay off the mortgage would require us to withdraw a large amount...
by BullHouse_BearMarket
Thu Jul 16, 2020 7:58 am
Forum: Personal Investments
Topic: *Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.
Replies: 25
Views: 4331

*Update* to Unexpected Loss of MIL and Handling Windfall. More advice needed, please.

First I want to thank everyone for the kind words and advice. They were much appreciated and the advice was put to good use. This thread is meant to serve as an update to 2 prior threads I made and to seek additional advise. 2 prior threads found: https://www.bogleheads.org/forum/viewtopic.php?f=1&a...
by BullHouse_BearMarket
Wed Jul 08, 2020 7:30 am
Forum: Personal Investments
Topic: Portfolio and Future investing plans review
Replies: 10
Views: 548

Re: Portfolio and Future investing plans review

Congratulations on your hard work and success. I'll leave the portfolio questions to the experts, but I agree about not holding bonds in taxable accounts. If you are looking for some "fun" with investing, I would check out Hedgefundie's Excellent Adventure and consider putting a small (10%...
by BullHouse_BearMarket
Tue Jun 30, 2020 9:50 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 826
Views: 93758

Re: Why not 100% PSLDX?

This fund has big distributions; all growth has been exported to the user as cash. This is the real ( not imaginary) reason. Act accordingly. That makes sense. Thank you. Can you or someone explain what perfect storm of things has to happen for this fund to shutdown and all investment be lost?
by BullHouse_BearMarket
Tue Jun 30, 2020 9:47 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 826
Views: 93758

Re: Why not 100% PSLDX?

*Deleted*
by BullHouse_BearMarket
Tue Jun 30, 2020 8:47 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 826
Views: 93758

Re: Why not 100% PSLDX?

I'm very interested in this fund and debating putting 75% of my portfolio into it. All in IRA. My questions are, 1. What has to happen for this fund to shut down and all money invested lost? 2. With such great performance, why is the price per share still at only ~$7.86? Please excuse my ignorance i...
by BullHouse_BearMarket
Fri Jun 26, 2020 8:04 am
Forum: Personal Investments
Topic: Upcoming major purchase question
Replies: 5
Views: 722

Re: Upcoming major purchase question

The increase in taxes would be due to capital gains of selling shares of ETFs or whatever you are invested in. Capital gains are the increase in value from the original purchase price. The issue you could face is possible Short Term Capital Gains if you sell investments you owned for less than 1 yea...
by BullHouse_BearMarket
Thu Mar 05, 2020 11:37 am
Forum: Personal Finance (Not Investing)
Topic: How to handle windfall for taxes and future
Replies: 13
Views: 1243

Re: How to handle windfall for taxes and future

Thank you all for the replies and advice. They reaffirm my initial thought of rolling it all into an IRA then adjust how we save to balance pre and post tax retirement savings. As a side note, my MIL passed away in November 2019. I don't believe this IRA will be subject to the Secure Act, but I coul...
by BullHouse_BearMarket
Wed Mar 04, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle windfall for taxes and future
Replies: 13
Views: 1243

How to handle windfall for taxes and future

Hello fellow bogleheads. I recently posted about the unexpected and devastating loss of my MIL. In that post I was asking advice on handling an inherited IRA. That advice was greatly appreciated and my wife and I followed it. Now I come seeking advice after we received news on an unexpected windfall...
by BullHouse_BearMarket
Tue Feb 25, 2020 1:48 pm
Forum: Personal Investments
Topic: Recently Married - Portfolio / Savings Planning
Replies: 4
Views: 464

Re: Recently Married - Portfolio / Savings Planning

Congratulations on the positive life changes. All very exciting things. Now for my 2 cents: I was in a similar situation with student loan debt of $50k at 6%. We did the math and decided to use our available funds to pay off that debt and then pay ourselves the usual monthly loan payment into saving...
by BullHouse_BearMarket
Fri Jan 31, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 8021
Views: 784506

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Have a plan and stick to it. If you are struggling not to press the rebalance button, then maybe you'd be better of having rebalancing bands instead of a fixed schedule. A 5% drift is pretty small for these assets though. I suggest you take a closer look at the simulated data during the global fina...
by BullHouse_BearMarket
Fri Jan 31, 2020 1:05 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 8021
Views: 784506

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Does anyone else think now looks like a great time to rebalance? I rebalanced back to 55 UPRO/45 TMF on Jan 10 when my when my UPRO was at 60. With the recent coronavirus scare, I've drifted to 50/50. BTW, I'm happy to see the purpose of this portfolio is working. The boost in TMF has more than comp...
by BullHouse_BearMarket
Wed Dec 11, 2019 8:21 am
Forum: Personal Investments
Topic: Unexpected loss of MIL, Inherited IRA, and How to Restructure Investments
Replies: 34
Views: 2651

Re: Unexpected loss of MIL, Inherited IRA, and How to Restructure Investments

Thank you all for the condolences and advice. My wife and I had a short call with the FA just to formalize the IRA transfer in name make sure the ETFs and funds are all low-ish cost and have no front loaded fees. The annualized return was net of all fees including the AUM fee. Like many have said, w...
by BullHouse_BearMarket
Fri Dec 06, 2019 3:44 pm
Forum: Personal Investments
Topic: Unexpected loss of MIL, Inherited IRA, and How to Restructure Investments
Replies: 34
Views: 2651

Re: Unexpected loss of MIL, Inherited IRA, and How to Restructure Investments

Thank you all for your replies. I should clarify, I didn't ask them to replicate VASGX. I just wanted them to compare whatever they came up with against it since that fund holds what I typically hold in my 3 fund. Ask the advisor to provide a breakdown of the current investments by asset type — larg...
by BullHouse_BearMarket
Fri Dec 06, 2019 2:43 pm
Forum: Personal Investments
Topic: Unexpected loss of MIL, Inherited IRA, and How to Restructure Investments
Replies: 34
Views: 2651

Unexpected loss of MIL, Inherited IRA, and How to Restructure Investments

Just before Thanksgiving, my wife and I very unexpectedly suffered the loss of her mother. Before I get started, we are going to continue using the Financial Advisor my MIL had because our lives have been turned upside down and our time is being consumed in executing the estate, caring for our 1 yea...
by BullHouse_BearMarket
Wed Nov 13, 2019 8:24 am
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 72
Views: 6580

Re: How to combine finances with your spouse? Recently married/early30s

My wife and I have a somewhat similar situation, i.e. early 30s and I have student loans and she doesn't. Here is what we do: We have a joint checking account that we each contribute 70% of our income into. That account is used for bills, mortgage, travel, kids, etc. We have a joint savings account ...
by BullHouse_BearMarket
Tue Oct 22, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 8021
Views: 784506

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I may have missed this, but do you use some sort of stop loss?
by BullHouse_BearMarket
Fri Sep 06, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Stressed Over Money 25 Yr. Old
Replies: 65
Views: 5492

Re: Stressed Over Money 25 Yr. Old

OP, I understand where you are coming from as far as worrying about money,the future, and comparing yourself to others. I'm 30 and most of my friends are in the medical field making absurd amounts of money for people in their 20s and early 30s. I also constantly compared myself to my brother who has...
by BullHouse_BearMarket
Wed Sep 04, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?
Replies: 20
Views: 1692

Re: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?

Have you verified that this is actually how it works at this new company? I verified it repeatedly because it caught me off guard for someone who isn't fresh out of school and is making a lateral move. I can roll my current 401k over but not make any contributions for 1 year. After that 1 year I ca...
by BullHouse_BearMarket
Wed Sep 04, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?
Replies: 20
Views: 1692

Re: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?

Wow, great advice and insight everyone. I won't be able to do anything with my current 401k because it usually takes 1-2 pay periods for adjustments to come into effect and I'll be gone by then, but good idea. I'm working on negotiating the salary to more than compensate for the lost tax savings and...
by BullHouse_BearMarket
Wed Sep 04, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?
Replies: 20
Views: 1692

Re: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?

Thank you all for the ideas and insight. I do tend to hyperfocus on something without seeing the entire picture. I think most of my concerns can be alleviated if I'm able to negotiate the higher salary. Although I'd have a bigger tax bill without having any pre-tax contributions, I'd still have more...
by BullHouse_BearMarket
Wed Sep 04, 2019 6:36 am
Forum: Personal Finance (Not Investing)
Topic: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?
Replies: 20
Views: 1692

HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?

I have a job offer for a new firm. It is more money but they don't allow 401k contributions for the first year. I ran the numbers and not being allowed to contribute $19,000 for a whole year ends up costing ~$146,000 in 30 years. Are there alternatives I can use to make up for losing that contributi...
by BullHouse_BearMarket
Fri Aug 23, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Giving 2 weeks notice with a non-compete
Replies: 14
Views: 2445

Re: Giving 2 weeks notice with a non-compete

My understanding is that you don't have to reveal where you plan to go. You may not HAVE to tell them, but why poke the bear and raise red flags? That may cause them to look more closely into who and what exactly he will be doing and decide to enforce the non-compete. Whereas telling them, if asked...
by BullHouse_BearMarket
Fri Aug 23, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Giving 2 weeks notice with a non-compete
Replies: 14
Views: 2445

Re: Giving 2 weeks notice with a non-compete

As others stated, it depends what state you are in. Was the non-compete signed as a condition of employment or was it signed after you already started? If it was after you started, were you given a raise or a bonus with it? Also, it depends what your non-compete says. Does it provide a geographic ar...
by BullHouse_BearMarket
Mon Jul 29, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Cost of 2nd kid?
Replies: 15
Views: 1608

Re: Cost of 2nd kid?

Thank you everyone for responses and additional things to think about. My wife and I have discussed possibly getting a double stroller since the kids will only be 14-15 months apart. Luckily our daycare provides diapers, wipes, formula, baby food, etc. That saves us a lot of money in addition to the...
by BullHouse_BearMarket
Mon Jul 29, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Cost of 2nd kid?
Replies: 15
Views: 1608

Cost of 2nd kid?

I'm curious to see if anyone has actually calculated what it costs to have a 2nd kid. My wife and I have a 9 month old with a 2nd baby on the way in January. I started running some rough estimations on additional costs throughout the years and at first glance, it seems much lower than expected. Sort...
by BullHouse_BearMarket
Tue Jul 02, 2019 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Any Attorneys Freelance on UpCounsel?
Replies: 0
Views: 457

Any Attorneys Freelance on UpCounsel?

My wife and I are expecting baby number 2 in January. I've redone our budget and realize that if we want to keep saving at the rate we do and making extra payments on student loans, I'm going to need extra income. Over the last 2 years I've earned raises totaling 31%, due to my performance, but my s...
by BullHouse_BearMarket
Tue Jun 18, 2019 8:36 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 49
Views: 4597

Re: Advice for young married couples: PLEASE HELP!

My wife and I are 30 and have been married for 4 years. This is what has worked for us: 1) Figure out what you both want in the future. Where you want to live, idea of a house size/price, Career aspirations, retirement goals, etc. and then make a plan, or several plans because nothing ever works out...
by BullHouse_BearMarket
Thu May 30, 2019 1:04 pm
Forum: Personal Investments
Topic: Am I playing a losing game?
Replies: 33
Views: 3526

Re: Am I playing a losing game?

You all have really given me a lot of helpful advice and I appreciate it. That is why I love this forum. Since you also have a large Roth IRA you can use an overall portfolio with all index funds, even broader diversification and even lower expense ratios. I won't quote your entire response, but all...