Search found 440 matches

by onthecusp
Thu Aug 16, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Master bathroom addition question
Replies: 8
Views: 209

Re: Master bathroom addition question

We have a bathroom that is behind the headboard on our bed. The plumbing in the wall between makes for extra noise in the morning if one of us wants to sleep in, but it is not too bad. At least the shower is on the other wall.
by onthecusp
Mon Aug 06, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: All cash retirement portfolio
Replies: 14
Views: 2359

Re: All cash retirement portfolio

All cash just seems destructively conservative to me. Either the CD ladder suggested to just keep up with inflation, or a small stock allocation (20%) to try and beat inflation. If you want to explore the stock allocation, this table might be useful. https://paulmerriman.com/wp-content/uploads/2018/...
by onthecusp
Mon Aug 06, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 232
Views: 19023

Re: "Don't Obsess About Expense Ratios"

I'm invested through Fidelity and applaud the reduction. Of course I don't see a big difference between 0.04% and zero; at least not compared to one of my slice and dice funds (International REIT) that is 0.48%. Anyway, changing would be relatively easy but I'm not making a sudden effort. I might lo...
by onthecusp
Thu Aug 02, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: 4% rule .. but when?
Replies: 35
Views: 4137

Re: 4% rule .. but when?

Person B should use 4% of the highest recent balance. That is a nice simple improvement on the usual 4% rule statement.
by onthecusp
Wed Aug 01, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of Current Income on Decision to Retire Early
Replies: 76
Views: 6057

Re: Effect of Current Income on Decision to Retire Early

I wonder if the OP can go to half-time and make instead of $200,000 about $100,000, but not save so much money (be sure to still max out retirement plan contributions, maybe pay expenses from taxable). That way they can try out early retirement. This is exactly what I'm trying to do. But I haven't ...
by onthecusp
Wed Aug 01, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Roth vs Traditional at Cusp of 32% Bracket
Replies: 15
Views: 1118

Re: Roth vs Traditional at Cusp of 32% Bracket

You can contribute after tax dollars to a regular IRA up to a certain limit. I have never understood the rationale for doing so.

I just had to find a way to contribute to a thread with "Cusp" in the name. :D
by onthecusp
Wed Aug 01, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2156

Re: Durable Dress Shoes for Commute

I've been wearing a pair of Rockports for about 5 years now and they still look great. Replaced the laces about a year ago.
by onthecusp
Wed Aug 01, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Matter-scatter, part 4: Bond allocation
Replies: 8
Views: 1399

Re: Matter-scatter, part 4: Bond allocation

The big point is that you should be thinking of it as if there were perfect certainty that you'd get $5,000 more. It is $5,000 more in the context of $118K uncertainty about how much you will get. Great stuff nisprius. I was wondering about your big point. Is there a typo? I would think that there ...
by onthecusp
Wed Aug 01, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Matter-scatter, part 4: Bond allocation
Replies: 8
Views: 1399

Re: Matter-scatter, part 4: Bond allocation

The big point is that you should be thinking of it as if there were perfect certainty that you'd get $5,000 more. It is $5,000 more in the context of $118K uncertainty about how much you will get. Great stuff nisprius. I was wondering about your big point. Is there a typo? I would think that there ...
by onthecusp
Tue Jul 31, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of Current Income on Decision to Retire Early
Replies: 76
Views: 6057

Re: Effect of Current Income on Decision to Retire Early

Interesting way to look at things, I agree with others that you have plenty given your level of spending and could afford the odd splurge on top of it. It is all interconnected with job enjoyment isn't it? This made me look at my own OMY plans from a different perspective. I love / hate my job. It i...
by onthecusp
Tue Jul 31, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: How much does it matter, considering scatter? Part 1 of many: Introduction
Replies: 38
Views: 4327

Re: How much does it matter, considering scatter? Part 1 of many: Introduction

I really like the visualization!

It fits my view that a lot of what I do does not matter much as long as I get the big questions right. It also reinforces my decision to tilt small however little it may help.
by onthecusp
Tue Jul 31, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: Do you tilt value?
Replies: 12
Views: 658

Re: Do you tilt value?

Yes, I tilt small / value and international small / value.
In edit on the international side I tilt small only because I didn't find a reasonable small/ value index fund. Added some emerging markets instead.
by onthecusp
Mon Jul 30, 2018 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Old age investing--Seeking advice
Replies: 23
Views: 2909

Re: Old age investing--Seeking advice

You seem to have assets to work with. If you are looking for more growth is it because your assets have been slowly eroding away? A little more in equity might help, but I think a minor adjustment rather than a major overhaul. It is not clear how much you are taking in income from your investments....
by onthecusp
Mon Jul 30, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Where is the money going?
Replies: 21
Views: 2869

Re: Where is the money going?

Actual money moving out of a stock is equal to the money that moved in. Someone bought what was sold.

Value changed because the transaction took place at a different price.

Headlines claiming that "Money is moving out of FAAG" are looking at half the transaction, it is just plain wrong.
by onthecusp
Fri Jul 27, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Old age investing--Seeking advice
Replies: 23
Views: 2909

Re: Old age investing--Seeking advice

You seem to have assets to work with. If you are looking for more growth is it because your assets have been slowly eroding away? A little more in equity might help, but I think a minor adjustment rather than a major overhaul. It is not clear how much you are taking in income from your investments. ...
by onthecusp
Fri Jul 27, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Your age in bonds?
Replies: 57
Views: 6424

Re: Your age in bonds?

In other words, the choice is between greater risk or less spending. I have always chosen the opposite of less spending but in and of itself it does not seem to be the rational choice. The less spending side of that choice is simple, but the greater risk sides seems much more layered in meaning. In...
by onthecusp
Fri Jul 27, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Is the 4% rule/ index funds flawed?
Replies: 31
Views: 4417

Re: Is the 4% rule/ index funds flawed?

I don't think 4% is a flawed number at all. I don't see it as a rule either, rather as an incredibly useful guidepost in retirement planning . As for international (or small, or value, or momentum) tilts, if you start with all the caveats and underlying assumptions that are explicitly stated in the ...
by onthecusp
Thu Jul 26, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe Radio Interview
Replies: 19
Views: 1847

Re: Larry Swedroe Radio Interview

Random Walker, Yes, volatility is still around, that's for sure! It seems that the study of volatility is fraught with definitional problems like comparative industries in the index over time, inflation environment, etc. Just a little pondering that helps me stay the course. A counter argument that ...
by onthecusp
Thu Jul 26, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Buying a Gold Coin online for future Jewelry
Replies: 25
Views: 1163

Re: Buying a Gold Coin online for future Jewelry

An alternative source is to ask around town for a local dealer, a "we buy and sell gold" sort of place. It might be hard to find one you are confident in, but I occasionally deal with one who buys and sells watches, jewelery, collectables, small bullion, coins, etc. He has been established for years...
by onthecusp
Thu Jul 26, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe Radio Interview
Replies: 19
Views: 1847

Re: Larry Swedroe Radio Interview

I'll have to listen to this later, but in the mean time, why is Robert Schiller wrong? Am I right to assume that relates to diminished future expected returns? I see the high PE10 as a warning of volatility but to act on expectations of diminished returns smacks of market timing so I'm trying to ho...
by onthecusp
Wed Jul 25, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: investing proceeds from a business sale
Replies: 7
Views: 567

Re: investing proceeds from a business sale

Count me on the lumpy side too. Decide on a risk tolerance / asset allocation. One of the benefits of putting them together is that it simplifies the analysis of how much you can reasonably withdraw. Your $75000 would be about 3% of the additional lump sum, 2.5% including your previous retirement s...
by onthecusp
Wed Jul 25, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe Radio Interview
Replies: 19
Views: 1847

Re: Larry Swedroe Radio Interview

Larry hints at what I call the anti-factors. Larry Swedroe said: And again there it’s not you need to own the high-quality companies you have to avoid the really junk companies. Larry mentions the only factor you need to consider with bonds, the term premium. in bonds, you only need one, the term p...
by onthecusp
Wed Jul 25, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Leaving Edward Jones
Replies: 33
Views: 3233

Re: Portfolio Setup

What are your thoughts on the portfolio below? - VFIAX (35%) - Large Cap Blend (Domestic) - VWIGX (25%) - International Growth - VEXAX (20%) - Small/Medium Growth (Domestic) - VFSTX (20%) - Bond (Short / Corporate) As a straw man portfolio for a little discussion, not bad. From an expense ratio sta...
by onthecusp
Tue Jul 24, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: investing proceeds from a business sale
Replies: 7
Views: 567

Re: investing proceeds from a business sale

Count me on the lumpy side too. Decide on a risk tolerance / asset allocation. One of the benefits of putting them together is that it simplifies the analysis of how much you can reasonably withdraw. Your $75000 would be about 3% of the additional lump sum, 2.5% including your previous retirement sa...
by onthecusp
Tue Jul 24, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Edward Jones
Replies: 33
Views: 3233

Re: Portfolio Setup

What are your thoughts on the portfolio below? - VFIAX (35%) - Large Cap Blend (Domestic) - VWIGX (25%) - International Growth - VEXAX (20%) - Small/Medium Growth (Domestic) - VFSTX (20%) - Bond (Short / Corporate) As a straw man portfolio for a little discussion, not bad. From an expense ratio sta...
by onthecusp
Mon Jul 23, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate partnership
Replies: 14
Views: 1012

Re: Real estate partnership

If he needs your money for the purchase does he need your money for the materials and to live on while renovating? If the answer is yes, that is the only way the deal will be done. If the answer is no, it is negotiable. Either way it is not the only thing in the negotiation, you would offset the spl...
by onthecusp
Mon Jul 23, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 7745

Re: Engineers come in.

BS ChE 1979. I was a so so student but did well in high school math. I tested out of advanced algebra and I had first term calculus cold, but second term was very hard and I barely passed. Differential equations were pretty easy for me to visualize so did well. I had a later Engineering Math class t...
by onthecusp
Sun Jul 22, 2018 3:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 76
Views: 15303

Re: Houston Chapter

Sorry I missed it. Planned to last night but got caught up in chores today. Next time.
I'll print out a 'Bogleheads' sign to lay on the table!
by onthecusp
Sat Jul 21, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand Morningstar ratings please!
Replies: 14
Views: 813

Re: Help me understand Morningstar ratings please!

You will probably want to know: if you can't depend on M* ratings how can you make a decision? You could start here in the Bogleheads wiki. https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy#Use_index_funds_when_possible When you evaluate what you currently have, start with expen...
by onthecusp
Thu Jul 19, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 10984

Re: I may have understood why it's so hard to save and invest

This is one advantage of automating the process. Do the work once to have the money automatically taken out of your paycheck (or bank account). Then you can sit back and relax while you slowly build up your investments. Try not to look at the balance too often, especially when the market is going d...
by onthecusp
Wed Jul 18, 2018 1:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 76
Views: 15303

Re: Houston Chapter

Also OK for me.
by onthecusp
Tue Jul 17, 2018 2:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 76
Views: 15303

Re: Houston Chapter

Let's pencil in 07/21 for the July meetup around 2-ish? Hopefully the weather is better. I'm thinking West Alabama Icehouse unless someone has a better idea. Anyone following this thread please feel free to inbox me. I can make the 21st, but based on the last two replies would it make sense to move...
by onthecusp
Mon Jul 16, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9708

Re: Why own a bed?

Having done a thorough analysis over the last 20 seconds or so, I believe that owning a bed is crucial to the success of my retirement plans. Leasing is just too expensive. All the plans I have found, on such applicable sites as hotels.com or airBnb, package a bed with doors, roof, and even addition...
by onthecusp
Mon Jul 16, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4697

Re: FireCalc: How big a grain of salt?

... since one of my primary goals is to maximize things in the early years when I am still healthy and active. But everyone should go with an approach they are comfortable with since they are the one who has to live with the outcome. I think this is key to interpreting the FireCalc results. I run m...
by onthecusp
Fri Jul 06, 2018 4:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 76
Views: 15303

Re: Houston Chapter

Thanks for coming! Enjoyed the conversation and various perspectives today. Just finished bookmarking some articles and blog posts to read later. Next Chapter Meetup will be in July (either 07/07 or 07/21). I am thinking a local ice house in the early afternoon since Houston summer will be in full ...
by onthecusp
Fri Jun 29, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Buying and selling house in Western NY..Bank or mortgage broker?
Replies: 14
Views: 734

Re: Buying and selling house in Western NY..Bank or mortgage broker?

As others have said you really have to shop around. The best deals can be anywhere. My formula is 1. Select if you want 30 or 15 year fixed. Other options also exist but that is the usual choice. 15 year gets you a little better rate but the payments are higher. 30 gets you lower payments, you can p...
by onthecusp
Thu Jun 28, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Used Hearing Aids
Replies: 8
Views: 625

Re: Used Hearing Aids

Hearing tracker is a good forum on all things hearing aids. https://forum.hearingtracker.com/ There is a sub forum on self programming aids where buying used is discussed. The search function is pretty good too. It sounds pretty complicated but do-able. It may be an issue to find an audiologist will...
by onthecusp
Thu Jun 21, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 18
Views: 1493

Re: calculator to get to desire $$$

Oh, I forgot about another favorite. It is a little harder to use. The "equivalent" growth calculator chart would be here.

https://portfoliocharts.com/portfolio/portfolio-growth/
by onthecusp
Thu Jun 21, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 18
Views: 1493

Re: calculator to get to desire $$$

I would use firecalc as described by dbr. Portfolio visualizer is also a great program and very flexible. Might be a little more suitable for what you want. With either one you will see that you don't actually get a single number / date that is fixed in stone. There is a likely range of outcomes. F...
by onthecusp
Wed Jun 20, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Struggling - Seeking Advice to Get On Track
Replies: 93
Views: 5847

Re: Struggling - Seeking Advice to Get On Track

I have made my situation sound a bit more dire than it really is.... if I lost my job tomorrow I could still make my mortgage payment just not in an accelerated fashion even with a job that pays me half of what I make today. It really sounds like to me that as far as investing goes - I have several...
by onthecusp
Wed Jun 20, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Struggling - Seeking Advice to Get On Track
Replies: 93
Views: 5847

Re: Struggling - Seeking Advice to Get On Track

Welcome! Congratulations on getting out of all your bad debt and starting to get a handle on the next phase of accumulation and investing. You are not too late, just not very early, in creating a good retirement without working the rest of your life. Mortgage payoff advice here is likely to be 50/50...
by onthecusp
Mon Jun 18, 2018 10:51 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 109
Views: 11603

Re: Very confused with the current market

I'm betting the market will go down and up. http://www.savingadvice.com/forums/picture.php?albumid=188&pictureid=421 If you average the last 4 bull market lengths in that chart you get 9.9 years! Going back to the 70s! Brilliant! I guess that means that if I sell after a 10 year run on average I wo...
by onthecusp
Mon Jun 18, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 3981

Re: Article on hotel booking sites - no bargains

I only use the aggregated booking sites for areas without my two favorite chains.
by onthecusp
Mon Jun 18, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8754

Re: Which Supermarket are you?

HEB, Walmart, Costco and Kroger pretty much in that order. I like to go to some of the Asian and Middle Eastern markets around too. We have an Aldi nearby but have never gone there. Went to one in Ohio a few times but never found a compelling reason to frequent it. I'd try it again if I had more tim...
by onthecusp
Mon Jun 18, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 6120

Re: Lost job. Take early SS or draw from accounts?

With bogleheads style investing (not a given I'm afraid) it appears a more realistic monthly spend would be $3000 in her current situation. IMHO waiting on SS as long as possible, until at least FRA, would be right for her because an inability to trim spending will make the savings disappear, waitin...
by onthecusp
Thu Jun 14, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)
Replies: 19
Views: 1559

Re: Recommendations for specific "Boglehead-like" podcast episodes (for elderly mother)

Paul Merriman has some pretty good advice, speaks clearly and understandably, but there are lots of podcasts to choose from. You probably also need to avoid descriptions of his Ultimate buy and hold portfolio, not because it is bad IMHO, but because you and your mother probably need to head for more...
by onthecusp
Thu Jun 14, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 18
Views: 1493

Re: calculator to get to desire $$$

I would use firecalc as described by dbr.

Portfolio visualizer is also a great program and very flexible. Might be a little more suitable for what you want.

With either one you will see that you don't actually get a single number / date that is fixed in stone. There is a likely range of outcomes.
by onthecusp
Wed Jun 13, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Taking $1M+ Long Term Capital Gains
Replies: 73
Views: 7956

Re: Taking $1M+ Long Term Capital Gains

viewer0, Not sure why people are having trouble with your plan of moving these investments to an index fund. Seems pretty bogleheadish to me. You have done well and recognize that excessively good things will likely come to an end (the old risk / reward balance). The smart thing to do with a large a...
by onthecusp
Tue Jun 12, 2018 1:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 478
Views: 46826

Re: Post your Financial Milestone Announcements Here

Good evening all, I’ve followed this thread for several months and am very grateful and humbled to be able to add my own milestone. I just 500k networth- reflecting on the road, it’s been a crazy year; I negotiated a severance, started a new job, am re-learning how to be single, trying to prioritiz...
by onthecusp
Thu May 24, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-Retirement Check
Replies: 15
Views: 1837

Re: Pre-Retirement Check

ThrowAway100 wrote:
Fri May 18, 2018 11:46 pm
We could cut back if we had to. But we don't want to have to. :)
Ha my thoughts exactly! :happy