Search found 181 matches

by investing1012
Mon Jan 15, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 43
Views: 5030

Re: 50/50 AA recommended by Benjamin Graham

Isn't a 50/50 Stock/Bond AA relatively high stock allocation for most? In the book titled The Intelligent Investor why does Benjamin Graham recommend this for most folks? On the face of it and with no other criteria simply dividing something in half between the available choices is an obvious exerc...
by investing1012
Mon Jan 15, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 43
Views: 5030

50/50 AA recommended by Benjamin Graham

Isn't a 50/50 Stock/Bond AA relatively high bond allocation for most? In the book titled The Intelligent Investor why does Benjamin Graham recommend this for most folks?
by investing1012
Sat Jan 13, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: What is the long term average nominal yield of the total bond market index fund ?
Replies: 27
Views: 1527

Re: What is the long term average nominal yield of the total bond market index fund ?

dbr wrote:
Sat Jan 13, 2018 12:18 pm
investing1012 wrote:
Sat Jan 13, 2018 12:14 pm
I wanted the information regarding return.
Indeed. You said yield in the title and return in the text. :(
I apologize, I didn't know the two were different.
by investing1012
Sat Jan 13, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: What is the long term average nominal yield of the total bond market index fund ?
Replies: 27
Views: 1527

Re: What is the long term average nominal yield of the total bond market index fund ?

1012: Let me introduce you to a great tool: Morningstar.com 1. Go to Morningstar.com 2. Type VBTLX in the search box 3. On the left side of the page is a chart that shows the gain of a 10,000 investment over time. Click on "5yr" at the top of the chart. 4. Total gain over 5 years is 10.2% (10,000 b...
by investing1012
Sat Jan 13, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: What is the long term average nominal yield of the total bond market index fund ?
Replies: 27
Views: 1527

Re: What is the long term average nominal yield of the total bond market index fund ?

What's the formula to convert compound interest over 10 or 5 years to the annual interest rate during those years?
by investing1012
Sat Jan 13, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: What is the long term average nominal yield of the total bond market index fund ?
Replies: 27
Views: 1527

Re: What is the long term average nominal yield of the total bond market index fund ?

1012: Let me introduce you to a great tool: Morningstar.com 1. Go to Morningstar.com 2. Type VBTLX in the search box 3. On the left side of the page is a chart that shows the gain of a 10,000 investment over time. Click on "5yr" at the top of the chart. 4. Total gain over 5 years is 10.2% (10,000 b...
by investing1012
Sat Jan 13, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: What is the long term average nominal yield of the total bond market index fund ?
Replies: 27
Views: 1527

Re: What is the long term average nominal yield of the total bond market index fund ?

The OP did ask for yield and not return. It is possible to go to Yahoo and bring up the historical data back to 1986. In that data every dividend paid and the price of a share at that time is listed. This can be downloaded and the yield tabulated by computing it at the point of payment of every div...
by investing1012
Fri Jan 12, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: What is the long term average nominal yield of the total bond market index fund ?
Replies: 27
Views: 1527

Re: What is the long term average nominal yield of the total bond market index fund ?

That’s much higher than i thought. Do you know what the average nominal growth rate has been over past 5 years?
by investing1012
Fri Jan 12, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: What is the long term average nominal yield of the total bond market index fund ?
Replies: 27
Views: 1527

What is the long term average nominal yield of the total bond market index fund ?

What is the long term average nominal annual return of the total bond market index fund ?
by investing1012
Fri Jan 12, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Do bonds generally go up when the stock market crashes?
Replies: 27
Views: 1836

Re: Do bonds generally go up when the stock market crashes?

What is the long term average nominal yield of the total bond market index fund ?
by investing1012
Fri Jan 12, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Do bonds generally go up when the stock market crashes?
Replies: 27
Views: 1836

Re: Do bonds generally go up when the stock market crashes?

Main reason i ask is if they’re inversely correlated it would soften the blow of a crash more. However if they are not inversely correlated it may make more sense to invest in something else other than bonds with higher yields.
by investing1012
Fri Jan 12, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Do bonds generally go up when the stock market crashes?
Replies: 27
Views: 1836

Do bonds generally go up when the stock market crashes?

Do bonds generally go up when the stock market crashes?
by investing1012
Thu Jan 11, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Any books after receiving a windfall?
Replies: 6
Views: 631

Re: Any books after receiving a windfall?

Are there any books the bogleheads would recommend for managing a windfall? Investing 1012: Chapter 15 in "The Bogleheads' Guide to Investing" is titled: "How to Manage a Windfall Successfully." Best wishes. Taylor Thank you I'll re-read that section. I didn't remember that section when I read the ...
by investing1012
Thu Jan 11, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Any books after receiving a windfall?
Replies: 6
Views: 631

Any books after receiving a windfall?

Are there any books the bogleheads would recommend for managing a windfall?
by investing1012
Wed Jan 10, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 3365

Re: What would you do with a 25 million windfall?

5th_Dimension wrote:
Wed Jan 10, 2018 4:34 pm
Step 1. Buy a Tesla.

Step 2. Drive around in the Tesla trying to decide what to do with the rest of the money. :happy
Already own a Tesla (paid off) and love it
by investing1012
Wed Jan 10, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 3365

Re: What would you do with a 25 million windfall?

John Laurens wrote:
Wed Jan 10, 2018 4:34 pm
How did it take 33 years to learn your trade (physician)?

If that’s your age, is my snot nosed nephew 60% doctor?

Regards,
John
Lol it’s the number of years i went to school
by investing1012
Wed Jan 10, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 3365

Re: What would you do with a 25 million windfall?

letsgobobby wrote:
Wed Jan 10, 2018 3:57 pm
thangngo wrote:
Wed Jan 10, 2018 3:20 pm
Invest $25 million with my current allocation. :sharebeer
You don't think your need to take risk might have changed with a windfall equal to fifty times your annual salary?
Definitely true as a physician a big risk to me is simply working and having to deal with a malpractice lawsuit.
by investing1012
Wed Jan 10, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 3365

Re: What would you do with a 25 million windfall?

queso wrote:
Wed Jan 10, 2018 3:41 pm
2 chicks at onc...oh wait, nevermind. Probably stuff like this:

Image
This one made me LOL
by investing1012
Wed Jan 10, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 3365

Re: What would you do with a 25 million windfall?

Olemiss540 wrote:
Wed Jan 10, 2018 3:26 pm
URGENT: Is this $25 Million pre-tax or post-tax? My answers change dramatically depending on your response. Thanks in advance,
pre-tax.
by investing1012
Wed Jan 10, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 3365

What would you do with a 25 million windfall?

What actionable steps would you do with a 25 million windfall? Btw I’ve read the wiki for it and appeeciate the input. Another question is would you continue to work. I dont necessarily love my work but earn pretty decent money (0.5 million per year) and find it satisfying (at times). I did spend 33...
by investing1012
Tue Jan 09, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: anything to buy to save on taxes
Replies: 9
Views: 1088

anything to buy to save on taxes

Hi,

Do Bogleheads recommend I buy anything for my business to save on Taxes. I know some recommend buying cars. I'm a high tax bracket professional so anything I spend for my business I save about 40% of it due to lower taxes.
by investing1012
Sun Dec 24, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43562

Re: What frugal thing did you do today?

Since frugality seems to be a way of life, what did you do today that was frugal? As for me, worked out at the gym, but shaved and took an extra long shower there to save on my utilities. :D The gym will pass that cost along in the form of increasing your gym membership dues. If you have locked in ...
by investing1012
Fri Dec 22, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 23664

Re: Do you see a meaningful change in your income with new Tax Bill?

I'd save $22K per year according to the calculator. I'm in the top 0.5% in income and live in a no state income tax state.
by investing1012
Thu Dec 21, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Where can one find the summary of the new Tax Law?
Replies: 1
Views: 371

Where can one find the summary of the new Tax Law?

Where can one find the summary of the new Tax Law? I don't want to be 100% dependent on my accountant's knowledge.
by investing1012
Wed Dec 13, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Sinking fund for dream cars
Replies: 23
Views: 1873

Re: Sinking fund for dream cars

Cars in 2034 will likely be very similar to the tesla cars we have today. Major differences will be better ai for self driving.
by investing1012
Wed Dec 13, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Sinking fund for dream cars
Replies: 23
Views: 1873

Re: Sinking fund for dream cars

In 2034, I will retire at 54. My wife will probably join me the same year at 52. We are currently working like crazy so we will be totally fine. I drive a 2003 Honda Pilot. I will drive it until the wheels fall off. I may get a 2015 Pilot in 4-5 years and drive that until retirement. My wife curren...
by investing1012
Mon Dec 11, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 7611

Re: CPA: The best profession if you want to make the most money + keep the most money?

Wow big difference. Cpa school vs schooling to get a cpa license. I hope you got the sarcasm.
by investing1012
Mon Dec 11, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 7611

Re: CPA: The best profession if you want to make the most money + keep the most money?

I am wondering if becoming a CPA is the best profession if you want to make the most money + keep the most money? I have some friends who are CPA accountants and they have their own business and are expanding it to 4+ different locations in different cities AND different states. I am wondering if m...
by investing1012
Sun Dec 03, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 12938

Re: After financial independence, do you lose motivation for work?

Howdy I was FI many years before I retired. I never lost any motivation for working, as the work was challenging and fulfilling. However, my threshold for tolerating corporate and colleague BS steadily declined, to about zero at age 45 and was very negative by retirement. I was not actively resista...
by investing1012
Wed Nov 29, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 6691

Re: When to tell the SO about my financial situation?

...money you make...how much money... have money...much money ...piss away money.. if you have money,... guy with money... girl just wants me for my money...about the money etc etc. I took the liberty of condensing the essence of your post. :shock: It probably will be important for you to have a ma...
by investing1012
Wed Nov 29, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 6691

Re: When to tell the SO about my financial situation?

Another red flag...You are fibbing or being less than honest, because you know that something is off. Your intuition is telling you something, and you should listen to it. Agreed. I would simply answer it as "I have enough, and I'm financially stable." Or put it back on her as "Why are you so inter...
by investing1012
Wed Nov 29, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 6691

Re: When to tell the SO about my financial situation?

This is based on your previous post: I currently max out my 401k, worth 38k or so Max my Roth IRA every year, worth 58k or so Currently do $1000 a month to VTSAX in brokerage (so this brings real take home at about ~6k + without changing anything) I have ~ $110k in my brokerage (Mostly in Total stoc...
by investing1012
Mon Nov 27, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 10312

Re: Can I afford a $1,400,000 house

Gill wrote:
Mon Nov 27, 2017 8:35 pm
You have a deficit net worth. Notwithstanding your high income, you have a ways to go before you should consider a house in this price range.
Gill
I beg to differ, they're high income in secure fields (ie medicine) makes them easily afford this house.
by investing1012
Sun Nov 26, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: What 529 plan is recommended for California residents?
Replies: 15
Views: 5087

Re: What 529 plan is recommended for California residents?

Hi, thanks for your input. What are the advantages and disadvantages of the Utah plan? Does the state of california have one that they offer themselves? Are there any state income tax benefits for 529 plans in California?
by investing1012
Sun Nov 26, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: What 529 plan is recommended for California residents?
Replies: 15
Views: 5087

What 529 plan is recommended for California residents?

What 529 plan is recommended for California residents? Assuming combined income is approximately 250k. Thanks!
by investing1012
Sat Nov 25, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 4370

Re: Should I keep the new iPad I bought or return it?

I put mine on my treadmill and use it every day
by investing1012
Fri Nov 24, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: I bought Vanguard Index Funds to get the black friday shopping out of my system
Replies: 17
Views: 1694

I bought Vanguard Index Funds to get the black friday shopping out of my system

I bought Vanguard Index Funds to get the black friday shopping out of my system. Anyone else do the same :P
by investing1012
Thu Nov 23, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street
Replies: 33
Views: 5030

Re: The Wolf of Wall Street

The movie was fun to watch.
by investing1012
Wed Nov 22, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 6240

Re: Advice to become wealthy

I am looking for advice to become wealthy, not billionaire wealthy, but seriously wealthy, like as close to top 1% as possible. Financial independence for the lifestyle I would eventually like to have would come somewhere between $3 and 4 Million. I am currently maxing out my 401k, maxing out Roth ...
by investing1012
Tue Nov 21, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 2319

Re: Paying cash for medical care - best practice?

If you are paying cash, isn't your exposure unlimited? What happens in a situation where you need expensive treatment? Are your doctors going to refer you to someone in her network? That's what I thought would happen. If something serious happened to me (broken bone, suspected appendix or gallbladd...
by investing1012
Tue Nov 21, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 2319

Re: Paying cash for medical care - best practice?

As a doctor I highly recommend against this plan. A patient of mine signed up for Catastrophic insurance and subsequently got diagnosed with cancer. The catastrophic insurance did not cover any of the chemo medications that are given as an outpatient. They can run on the order of $100,000 per drug p...
by investing1012
Sun Nov 19, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 7190

Re: How much do you budget for vacation?

I agree I’m a bit surprised by the high amounts quoted here. I think that’s due to my age (mid30s) and still in the high saving phase of my life. I think vacations are important though so maybe i should spend more considering you only live once.
by investing1012
Sun Nov 19, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 7190

How much do you budget for vacation?

How much do you budget for vacation?
by investing1012
Thu Nov 16, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 16
Views: 2053

Christmas Vacation on a budget

How do you find good deals for Christmas/ New-Years Vacations?
by investing1012
Wed Nov 08, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Why put Bonds in 401k instead of stock?
Replies: 6
Views: 1433

Why put Bonds in 401k instead of stock?

Why do bogleheads recommend putting Bonds in 401k instead of stocks if you are in a high-tax bracket?
Since I want to go 80/20 (stock/bonds) why do people on this forum recommend that I put stocks in my brokerage account and bonds in my 401k?

Thanks!
by investing1012
Tue Nov 07, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 6441

Re: Eye Doctor $30 to get your Rx? Is this normal?

The Federal Trade Commission website https://www.consumer.ftc.gov/articles/0116-prescription-glasses-and-contact-lenses advises: "The FTC enforces the Eyeglass Rule and Contact Lens Rule, which give you the right to get a prescription from your eye doctor – whether you ask for it or not – at no ext...