Search found 528 matches

by onthecusp
Wed Jan 16, 2019 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 144
Views: 7678

Re: Why are you NOT buying rental properties?

Been there done that. Don't even have a Tee shirt.
by onthecusp
Wed Jan 16, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 635
Views: 28347

Re: John Bogle is dead at 89

RIP Jack. Thanks for your intellect and your integrity.
by onthecusp
Tue Jan 15, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6400

Re: A co-worker makes more than me

However you found out it is valuable information to know that management has, or at least had, that much flexibility. You don't need to mention the comparison, you do need to point out your valuable contributions and say that you believe that you are falling behind. Do a little internet research to ...
by onthecusp
Tue Jan 15, 2019 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement accounts maxed out, what to do with extra cash?
Replies: 32
Views: 2005

Re: Retirement accounts maxed out, what to do with extra cash?

Wow, you are in great shape! Lots of options and good advice above. Just focusing on the simplest option, you could continue with the 3 fund approach. For example, assuming you mean Total Stock Market / Total International / Total Bond; you could just buy Total Stock Market and Total International i...
by onthecusp
Tue Jan 15, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 58
Views: 6287

Re: Gas station prices and quality

I try to go to Costco for price and try to go for top tier, Costco's in my area are top tier. I also avoid Citgo to avoid subsidizing the Venezuelan government. But I don't stress about using any brand of gas if I'm caught with a tank near empty. I just can't imagine one tank of fewer additives maki...
by onthecusp
Mon Jan 14, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 52
Views: 5986

Re: Who's flying?

The Houston airport (IAH or Bush) announced, this morning, that the TSA checkpoint for terminal B is closed, apparently due to staffing. Terminal B is generally the smallest terminal and has more of the smaller planes. You can go through the checkpoint at A or C and then get over to B on the "airsid...
by onthecusp
Fri Jan 11, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 92
Views: 6999

Re: Anyone here major in Economics in college?

I loved my econ classes in college but even back then it didn't look like a good career field for me. I was engineering all the way. I'm glad I took them though. My daughter started out as a Math major, switched to English for a year, then Mechanical Engineering. So nothing is etched in stone but it...
by onthecusp
Wed Jan 09, 2019 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Why isn't an AA of 75/25 with a SWR 3.75% the standard??
Replies: 62
Views: 6639

Re: Why isn't an AA of 75/25 with a SWR 3.75% the standard??

It seems like lots of people recommend an SWR in the 2s for people with 40-50 years retirements (I seriously doubt I will need to worry about that timeframe). I agree with you that any initial withdrawal rate, no matter how long the anticipated retirement, that's below 3% does not make sense unless...
by onthecusp
Tue Jan 08, 2019 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why isn't an AA of 75/25 with a SWR 3.75% the standard??
Replies: 62
Views: 6639

Re: Why isn't an AA of 75/25 with a SWR 3.75% the standard??

Because 4% and 75% stocks is 99% success with more money to spend.

And 3% and 75% stocks is still 100% success but "really" 100% and more likely to leave an inheritance.

People have different priorities.
by onthecusp
Wed Jan 02, 2019 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Autistic sister being targeted by Nigerian scammers
Replies: 84
Views: 6600

Re: Autistic sister being targeted by Nigerian scammers

What a horrible situation. The therapist for the stress aspect, mentioned above, seems like it could be a good place to start. The head on confrontations seem to escalate the situation where leaving that out and helping her deal with being unable to "help as much as she thinks she needs to" could st...
by onthecusp
Wed Dec 26, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 6867

Re: What have your learned this year

Financial: I learned that even close to retirement that what seem like pretty big swings in my investments don't really change the assumptions I need to make in Firecalc. I still need to work a couple of years part time or one full time. (Is that OMY?) Personal: We went to see the Nutcracker Ballet ...
by onthecusp
Tue Dec 25, 2018 2:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present To You
Replies: 108
Views: 11148

Re: My Christmas Present To You

Thank you for your gift Taylor, it was very moving. My father in law served with you in the battle in an Engineering company. Pretty much stuck in the woods somewhere. Thanks for keeping him safe so he could continue to build bridges on the push to Berlin and then bring my wife to me. Thank you all ...
by onthecusp
Mon Dec 24, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for "Little Old Lady" revised
Replies: 21
Views: 2624

Re: Advice for "Little Old Lady" revised

My monthly income is $900 SS plus whatever dividends these funds yield. Since you are currently limiting yourself to dividends you are not spending very much from your savings. Since the current troubles seem to be more with the "market" than with the "economy" your dividend income should be pretty...
by onthecusp
Fri Dec 21, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781864

Re: U.S. stocks in free fall

Whakamole wrote:
Fri Dec 21, 2018 5:21 pm
Toons wrote:
Fri Dec 21, 2018 4:53 pm
March 6 -2009 Dow 6778
Nasdaq 1,268.64,,

Opportunity ,,,,Correct :mrgreen: :mrgreen: :mrgreen:
Tell us when the bottom is so we can just buy there :beer
Every new local low is potentially a new bottom. So.....today? :sharebeer
by onthecusp
Mon Dec 17, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: I’m getting frustrated FTIHX
Replies: 21
Views: 2735

Re: I’m getting frustrated FTIHX

I invested in FTIHX last year and it has done terrible. It’s almost down 12% since I purchased it. Is anyone else experiencing this pain? I’m in for the long haul because it’s in my ROTH IRA, but I’m regretting even investing anything in the fund! :annoyed Pain? Regret? I am thrilled. An opportunit...
by onthecusp
Fri Dec 14, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 36
Views: 2287

Re: Audi S4 vs S3

Love my '14 S4 except I have to sit in the seat just right or the side bolster digs into my right side.
by onthecusp
Wed Dec 12, 2018 12:41 pm
Forum: Forum Issues and Administration
Topic: How do I delete my account?
Replies: 13
Views: 5792

Re: How do I delete my account?

Who were we talking about?
:confused
It is kind of like leaving a job.
by onthecusp
Mon Dec 10, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a place for Growth in my portfolio?
Replies: 8
Views: 551

Re: Is there a place for Growth in my portfolio?

Your overall stock / bond AA seems reasonable for your situation. With total stock and total bond as your other funds you have a moderate tilt towards growth. It's not my choice, I tilt towards small cap value and international, but your choice has probably been better than mine over the past few ye...
by onthecusp
Mon Dec 10, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 2766

Re: Who is buying SCV, EM, Intl SC

I bought some SCV and SCB last week with the last 401k contribution of the year. Apparently I was having too much withheld and have maxed out. That will get me a little more in January, with a true up adjustment to make up for the match that I'm missing in December. Now I'm conflicted on wishing the...
by onthecusp
Mon Dec 10, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7935

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Take the grandkids to Carlsbad. Or other caves. Just about every state has one or two worth visiting.
by onthecusp
Sun Dec 09, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 7088

Re: Retiring in 2 weeks, Traditional 401k

So much advice here, it must be overwhelming. I read these forums every day and I have not seen any bad advice for you and your parents just a few differences on optimization. You are right to take this slow, I don't think there is anything horrible about their current investments or plan. In the or...
by onthecusp
Sun Dec 09, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6766

Re: are pre-fabricated homes a bad investment?

First, I'll note that I understand what the OP is asking and it has nothing to do with a trailer. I have friends who had a pre-fab home built. It's in a Chalet style and if they had not pointed out some of the things that sort of make such a house even recognizable vs a stick built house, I would n...
by onthecusp
Fri Dec 07, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Occlusal guard (night guard) from dentist vs online
Replies: 10
Views: 921

Re: Occlusal guard (night guard) from dentist vs online

Though I go with the ultra cheap athletic guard now, I'm not sure I would have as much confidence in my abilities to set it up had I not had the dentist provided one for years. Dentist provided one was a hard plastic and needed frequent adjustment. I finally got pretty good with a file and made my o...
by onthecusp
Fri Dec 07, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Debt repayment vs Investing – thoughts on psychology
Replies: 10
Views: 950

Re: Debt repayment vs Investing – thoughts on psychology

I do look at mortgage debt differently, but it is mostly psychological. Even there I have long gone for 15 year terms that offered lower interest rates. I have been paying about 8% extra for the last couple years by rounding up the payment. I believe it is not the "optimum" for me financially to be ...
by onthecusp
Fri Dec 07, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 191
Views: 21970

Re: Call the top! - Bitcoin

sperry8 wrote:
Fri Dec 07, 2018 9:40 am
sperry8 wrote:
Fri Dec 15, 2017 1:18 pm
$265,700
Aug 2019
rofl. looks like I was caught up in the hype. :greedy
LOL, I threw out 55,000 but never gambled on it. A couple of my coworkers have not mentioned it for months now. I wonder why?
by onthecusp
Thu Dec 06, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation calculator
Replies: 55
Views: 4262

Re: Asset allocation calculator

Using 80 or so years of US market data to predict the next 30 or more years' market performance is statistically and logically flawed. There is not enough data for modern statistical tools to function properly and believing those 80 years either cause or will predict future returns completely ignor...
by onthecusp
Wed Dec 05, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781864

Re: U.S. stocks in freefall

Sometimes I think this is my favorite thread. Sorry Taylor, nisiprius, Lady Geek, nedsaid, livesoft, et al who offer better educated and analytical analysis of markets and investing (edit: than I). That said, I detect a lot of angst here. Please keep in mind that the market yesterday was still in p...
by onthecusp
Wed Dec 05, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Could use some advice for balancing/simplifying portfolio
Replies: 10
Views: 879

Re: Could use some advice for balancing/simplifying portfolio

Rebalancing can be difficult with one fund in each account unless money can be added or withdrawn.
by onthecusp
Wed Dec 05, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Odd question re: whole life insurance
Replies: 7
Views: 667

Re: Odd question re: whole life insurance

I'm a little surprised that any premiums are due at this point. I guess it depends on the policy and initial payment. My parents had a similar one on me, I started getting statements as an adult and it always showed a "dividend" that was a little larger than the premium. Once I found bogleheads I re...
by onthecusp
Tue Dec 04, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4226

Re: Will we make it saving only in employer plans?

Like others, I don't think you are as bad off as you think you are. As for the headline question you need to save more or spend less, eventually. You can do that now or you can do that over time. Increased income will make a huge difference if you keep spending constant. Eventually the kids grow up ...
by onthecusp
Tue Dec 04, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781864

Re: U.S. stocks in freefall

Today's losses may look like a G movie compared to the horror film of the next few days. Please make a specific prediction. What's a horror film? A drop of 10%? A drop of 10%, followed by a 3% dead-cat bounce and another 20% drop? A 100% drop to wipe out all market value? I predict US markets will ...
by onthecusp
Tue Dec 04, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781864

Re: U.S. stocks in freefall

Today's losses may look like a G movie compared to the horror film of the next few days. Please make a specific prediction. What's a horror film? A drop of 10%? A drop of 10%, followed by a 3% dead-cat bounce and another 20% drop? A 100% drop to wipe out all market value? I predict US markets will ...
by onthecusp
Thu Nov 29, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Advice On Job Offer
Replies: 12
Views: 1276

Re: Advice On Job Offer

Start packing. :D As for the promotion promise, do you believe them? I would hold them to it so long as you hold up your end. Do a good job in your assignment, keep talking to the manager, do a little organizational work (beyond your basic duties) for them. If you then get strung along, there are ot...
by onthecusp
Thu Nov 29, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 44
Views: 2787

Re: Do Fidelity Offices/Advisors Add Value?

My Fidelity advisor was useful for helping to roll my accounts together and explain what is going on. I thought having an office would be nice but now that I know what I am doing I never stop in. My advisor never calls and I consider myself lucky since not all Fidelity advisors seem so hands off. Ma...
by onthecusp
Thu Nov 29, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Explain to me what bonds are.
Replies: 15
Views: 1375

Re: Explain to me what bonds are.

Make sure that you are comparing what you paid for your original VBTLX with the current value of your holding. The headline summary may be showing a loss when a more detailed look might show something more like break even. Assuming you have not bought and sold along the way, your brokerage website w...
by onthecusp
Thu Nov 29, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: What's your safety number?
Replies: 24
Views: 2419

Re: What's your safety number?

I'm probably closer to retirement than you with a lot of headroom between spending and tax deferred savings. What works for me probably won't work for you just now. 1. We have an emergency fund of roughly 6 months of spending. I include some treasury bond funds here. Not the most tax efficient but i...
by onthecusp
Wed Nov 28, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee of inherited business
Replies: 62
Views: 2738

Re: Trustee of inherited business

It is probably in everyone's best interest to keep him in the loop, with a new clarity of each of your LEGAL responsibilities and limits. You have responsibilities and limits and he has responsibilities and limits and they are different from each other and from the previous understanding you both ha...
by onthecusp
Tue Nov 27, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: I don't know what to do with my money. Advice?
Replies: 40
Views: 4456

Re: I don't know what to do with my money. Advice?

Thank you. I'd be curious to see what others think of this plan. Do I need a stock broker to manage the stock account? I think it is ok with preconditions. A sufficient emergency fund and no need for additional liquidity for the couple years. Decreasing debt is similar to buying a bond with guarant...
by onthecusp
Tue Nov 27, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: I don't know what to do with my money. Advice?
Replies: 40
Views: 4456

Re: I don't know what to do with my money. Advice?

Place monthly 50 pct of montly savings in total stock, and keep 50% in money market or pay down debt with it. If you can stomach that allocation for a year or two without making changes, then make a allocaiton of 60S 40B (or pay down mortage on the 40), and stay there for 20 years. You will have ma...
by onthecusp
Tue Nov 27, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: I don't know what to do with my money. Advice?
Replies: 40
Views: 4456

Re: I don't know what to do with my money. Advice?

Place monthly 50 pct of montly savings in total stock, and keep 50% in money market or pay down debt with it. If you can stomach that allocation for a year or two without making changes, then make a allocaiton of 60S 40B (or pay down mortage on the 40), and stay there for 20 years. You will have ma...
by onthecusp
Thu Nov 22, 2018 1:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Thanksgiving to all
Replies: 19
Views: 1054

Re: Happy Thanksgiving to all

Happy Thanksgiving to everyone here, including our friends from other countries. While it is a US tradition, all are welcome.
by onthecusp
Tue Nov 20, 2018 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13263

Re: Can someone explain what's going on [with the stock market]?

2008 was a bad year for stocks and worse for the economy as a whole. As far as stocks are concerned, after the recent sell off we are still over 1000 S&P points above the peak before the 2008 selloff; and no, I can't explain why the stock market is doing so well! The economy angle is an interesting...
by onthecusp
Tue Nov 20, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 348
Views: 39323

Re: Anyone tired of the stock market going up?

If I was, I'm pretty well rested now! :|
by onthecusp
Tue Nov 20, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13263

Re: Can someone explain what's going on [with the stock market]?

2008 was a bad year for stocks and worse for the economy as a whole.

As far as stocks are concerned, after the recent sell off we are still over 1000 S&P points above the peak before the 2008 selloff; and no, I can't explain why the stock market is doing so well!
by onthecusp
Tue Nov 20, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Annual 401k notice for unknown account
Replies: 2
Views: 371

Re: Annual 401k notice for unknown account

You should contact the plan administrator for that account and ask for a current statement. Maybe they will tell you it is a zero balance and as a past participant he was not removed from this administrative corner of their record keeping. Hopefully they can back that up with some record of the tran...
by onthecusp
Mon Nov 19, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 353
Views: 49987

Re: Good Modern Science Fiction

Wow! Lots of die hard SF fans here. Here's a couple of modern masters... Blindsight by Peter Watts (just started Echopraxia, which promises to be just as mind blowing) https://en.wikipedia.org/wiki/Blindsight_(Watts_novel) The Water Knife by Paolo Bacigalupi, "cli-fi" near future (I can't imagine t...
by onthecusp
Mon Nov 12, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Best educational resource to learn core financial and business metrics
Replies: 1
Views: 202

Re: Best educational resource to learn core financial and business metrics

Investopedia has good explanations of a wide variety of metrics that may be referenced by various internet readings.

There are whole MBA programs related to this so it is hard to know where to start. :confused :moneybag
by onthecusp
Fri Nov 02, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2287

Re: What does your gut tell you; RMD now or in December?

The arguments in favor of lump sum investments at the beginning of the year in accumulation would tend to argue in favor of taking RMDs as a lump sum at the end of the year in decumulation. Agree with analogy but perhaps not conclusion. Lump sum withdrawal as late as possible likely works out best ...
by onthecusp
Thu Nov 01, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2287

Re: What does your gut tell you; RMD now or in December?

Stay the course! You realize that your current question could be rephrased as: "Do I now time the market in the short term? Sell now before it goes down more or hold for a month so it can recover?" Setting a course is an interesting question that I'm going to be faced with soon. In edit, I realized ...
by onthecusp
Mon Oct 29, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out at 39 yrs old.
Replies: 37
Views: 5410

Re: Just starting out at 39 yrs old.

One commonly stated target is to have 25 times your annual expenses saved at retirement. I think the above goal should be stated 25 times the amount you plan to withdraw from savings each year. Right. For many people here that means you can subtract expected social security (or pension etc.) from e...