Search found 1384 matches

by Scott S
Wed Mar 07, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 11527

Re: Ok fellow bogelheads, was the correction scary or nothing?

I wasn't scared by what happened. I'm scared about what could happen. The big gains of 2017 seem like irrational exuberance to me. Now the reality is settling in, or starting to. I expect markets to remain flat, or lose any near-term gains they make and perhaps more over the next year or two. I thi...
by Scott S
Wed Mar 07, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: What's that smell?
Replies: 41
Views: 6419

Re: What's that smell?

Sometimes staying the course requires holding your nose. :beer
by Scott S
Wed Mar 07, 2018 12:23 am
Forum: Investing - Help with Personal Investments
Topic: $150K to invest
Replies: 12
Views: 1893

Re: $150K to invest

With a $50k emergency fund, I'd just throw the whole $150k into VTSAX and call it a day. :sharebeer
by Scott S
Tue Mar 06, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: New Zealand - Bucket list trip
Replies: 22
Views: 2143

Re: New Zealand - Bucket list trip

I've only been to the north island, back in 2010. Wonderful place, really friendly and nice people, lots of varied terrain.

I'd move there in a heartbeat. :beer
by Scott S
Sun Mar 04, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Is Now the Time to Reduce Bond Duration?
Replies: 41
Views: 4662

Re: Is Now the Time to Reduce Bond Duration?

I plan to be invested in bonds for the next 60 years or so. Duration is not a worry for me.
by Scott S
Sun Mar 04, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Better total bond fund?
Replies: 7
Views: 1404

Re: Better total bond fund?

Looking at the Schwab and Vanguard funds, they hold at least 50% in maturities 7 years or more. Is there a fund that has more weight towards intermediate and short with less LT exposure that still has a low ER? Or would it be better to build your own? Not sure what Schwab has available with no fees...
by Scott S
Fri Mar 02, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 9987

Re: Should I bite the bullet and invest in this market?

Don't do a thing until you read the latest letter from the Oracle of Omaha. My signature applies, y gracias por leer / cfs Is there anything actionable in that 17-page letter? I don't see anything there that's actual investment advice for the masses (other than active funds always lose, evidenced b...
by Scott S
Tue Feb 06, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Buy Low, Don't Sell
Replies: 38
Views: 5853

Re: Buy Low, Don't Sell

Always buying... it's always "low" relative to where I expect it will be 10 years from now. +1. When I started down the path toward becoming a Boglehead, I happened upon this article from Motley Fool that really inspired my attitude toward the whole thing: You Missed the Best Day to Buy :beer
by Scott S
Mon Feb 05, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance after today's drop?
Replies: 32
Views: 4766

Re: Rebalance after today's drop?

I was getting a bit stock heavy and this correction took care of it. Another couple 1,000 point drops and I might actually have to do something. Same here. I've had to rebalance so much over the last year, it's a relief that my AA is on track of its own accord and I don't have to do anything. :shar...
by Scott S
Tue Jan 16, 2018 12:23 am
Forum: Investing - Theory, News & General
Topic: Anyway to compare metrics of today w stock bubble in 2000
Replies: 26
Views: 2593

Re: Anyway to compare metrics of today w stock bubble in 2000

jayk238 wrote:
Mon Jan 15, 2018 8:41 pm
ex cons getting jobs
Are you against this?
by Scott S
Mon Jan 15, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 43
Views: 5207

Re: 50/50 AA recommended by Benjamin Graham

It's easy to scoff at Graham's advice as being overly conservative so many years into a great bull market, but I think there's a lot of wisdom to it. When you're young and your nest egg is small, you really should have some component of your portfolio that is safe in case something bad happens and y...
by Scott S
Sun Jan 14, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 45
Views: 5408

Re: AA is much harder than I thought...

I'm 33 and have only been in the markets about a year. I'm doing my best to learn from the masters -- my first investing read was Common Sense and I just finished The Four Pillars . Everything I have learned tells me that I should be buying bonds right now -- the 'trendiness' of 100% stocks (and th...
by Scott S
Thu Sep 01, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth rollover as bridge loan -- is this possible?
Replies: 5
Views: 930

Re: Using Roth rollover as bridge loan -- is this possible?

Postscript: the 401k loan came through in time, so I didn't need to test the Roth rollover idea. Thanks for all the input, folks! :sharebeer
by Scott S
Mon Aug 15, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth rollover as bridge loan -- is this possible?
Replies: 5
Views: 930

Re: Using Roth rollover as bridge loan -- is this possible?

I'd worry about getting caught on the 60 day window. You might be able to avoid that if the place you roll over to is into an IRA MM fund at your local bank, which you open before hand. How big a down-payment do you need? We could swing a 10% downpayment for anything we'd buy out of the first tier ...
by Scott S
Mon Aug 15, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth rollover as bridge loan -- is this possible?
Replies: 5
Views: 930

Using Roth rollover as bridge loan -- is this possible?

Hey folks, I did a search but didn't really find much related to what I have in mind: My wife and I are in the process of moving houses (we close on the new one Aug 31 and our current house is on the market.) The new one is significantly more money, but we both work and have savings. Since the curre...
by Scott S
Thu Mar 10, 2016 2:53 pm
Forum: Investing - Theory, News & General
Topic: New Yorker: Is Passive Investing Actively Hurting the Economy?
Replies: 36
Views: 6663

Re: New Yorker: Is Passive Investing Actively Hurting the Economy?

I'm new to the Boglehead investing philosophy, but have very much gotten on board after reading "The Bogleheads Guide To Investing" and another related book, "Millionaire Teacher". This article, despite the obvious bias it presents, does hit on a point that has been sticking in my mind: Would passi...
by Scott S
Thu Nov 12, 2015 5:59 pm
Forum: Investing - Theory, News & General
Topic: What's been up with TIP funds?
Replies: 26
Views: 3627

Re: What's been up with TIP funds?

Nobody seems to like it (especially abuss368) since it has been underperforming for the last few years, and some of the people who got into them excitedly early on are feeling embarrassed now. Contrarian indicator? Who knows. :wink: What are they underperforming? Well, other bond funds like VBMFX, ...
by Scott S
Thu Nov 12, 2015 12:57 pm
Forum: Investing - Theory, News & General
Topic: What's been up with TIP funds?
Replies: 26
Views: 3627

Re: What's been up with TIP funds?

I would agree. I am not on board with TIPS right now and this asset class appears to be out of favor. In addition, Vanguard is recommending Total Bond Index and Total International Bond Index. Best. What can it mean that an asset class is "out of favor"? That is not a property of asset classes that...
by Scott S
Thu Nov 12, 2015 11:45 am
Forum: Investing - Theory, News & General
Topic: Suggested Best Practices During A Rising Interest Rate Environment
Replies: 59
Views: 9914

Re: Suggested Best Practices During A Rising Interest Rate Environment

The only "action" I intend to take is to rebalance. If rising rates cause the NAV of my bond funds to go down (it would seem that this concern is being priced in now, but it's always hard to tell), I will buy more of them until I'm back at my target AA and continue not worrying about it. :sharebeer
by Scott S
Fri Mar 14, 2014 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 13520

Re: Are 20 somethings handicapped bc of inflation and little

This STEM guy is starting to feel guilty about not going to his (partially-employer-subsidized) gym more often...
by Scott S
Thu Mar 13, 2014 10:26 pm
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 6859

Re: Any Subaru owners out there?

Subaru engines had previously been regarded as bulletproof, so this was a ding to their reputation. When were Subaru engines regarded as bulletproof? I don't recall such a period... For example, oil leaks seemed to be a common issue with their bread-and-butter EA82 engines of the 80s/90s, and that'...
by Scott S
Thu Mar 13, 2014 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 93
Views: 13512

Re: Did you retire in your 30s?

...This helped the people I was talking with to learn something about me, which was likely their reason for asking about my job in the first place. As an exercise, try to meet someone new and find out about them without asking about what they do. I usually ask people what they do in their free time...
by Scott S
Thu Mar 13, 2014 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 13520

Re: Are 20 somethings handicapped bc of inflation and little

freddie wrote:A lot of state employees don't pay into SS so they don't get enough credits for a benefit. Instead their 12% goes towards the pension. Most of the time it is a much better deal.
Ahh, thank you!
by Scott S
Thu Mar 13, 2014 9:26 pm
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 9759

Re: Used $35k Porsche on $64k income?

Don't worry folks, the OP of this thread appears to be a sensible guy. ;) Bought a 2001 Outback with 60k for $5000. Great deal, and going strong! When it comes to car budgets, I read somewhere that most millionaires drive a car that amounts to no more than 2-3% of their net worth. I think that's a d...
by Scott S
Wed Mar 12, 2014 6:56 pm
Forum: Investing - Theory, News & General
Topic: What If Long-Term Thinking Really Catches On?
Replies: 21
Views: 2805

Re: What If Long-Term Thinking Really Catches On?

Long-term thinking and acceptance of being average is so against human nature that I don't expect demand for active investing to ever go away completely.
by Scott S
Wed Mar 12, 2014 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 13520

Re: Are 20 somethings handicapped bc of inflation and little

In theory, yes, but this thread focuses on retirement issues. The workers are the ones who support the retirees. Well, issues facing the working and retirement life of today's 20-something. I'd like to think that these developments could have a silver lining for them -- if the worker pool shrinks, ...
by Scott S
Wed Mar 12, 2014 4:27 pm
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 6859

Re: Any Subaru owners out there?

For traction I budget $150/year for snow tires, and generally do fine in New England snow. Yikes, what tires do you use? I spent about $250-300 for the set of Firestone Winterforces on my Outback in 2010, and plan to get many more years out of them by using 3-seasons tires the rest of the year. (An...
by Scott S
Wed Mar 12, 2014 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 13520

Re: Are 20 somethings handicapped bc of inflation and little

I just look at the # of boomers retiring and # who will have to pay to keep us retired. In the 1950s, I think we had 16 workers for every retiree. In 2000, the number of workers/retiree shrunk to 4-point something, I think. By 2030, it will only be something about 2 workers per retiree. Buried in t...
by Scott S
Wed Mar 12, 2014 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Paying $1,000/yr to Vanguard ! Please Help Me
Replies: 40
Views: 7990

Re: Paying $1,000/yr to Vanguard ! Please Help Me

Why ? I look forward to the day I, too, pay $1000/yr to Vanguard! :greedy Because that will mean he has a very large portfolio with the company. If you're paying $1,000/yr to Vanguard, most people in this country would consider you rich. I hope to one day pay Vanguard $10,000/yr! It will be money v...
by Scott S
Tue Mar 11, 2014 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: KissTrust--trust accounts for the middle class?
Replies: 31
Views: 25684

Re: KissTrust--trust accounts for the middle class?

It's telling that they're so happy to see anything in the "public domain" that appears to support them, but livid if something in the public domain questions them. This just in, on the Mr Money Mustache forums: http://www.mrmoneymustache.com/forum/investor-alley/kiss-trust-has-sent-a-legal-threat-to...
by Scott S
Mon Mar 10, 2014 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 72
Views: 10690

Re: How do I stop worrying about money?

You might also consider what luxuries could be cut from your budget if something happened and you needed to get by on less. It may even help you appreciate those things more.
by Scott S
Sun Mar 09, 2014 11:54 pm
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 8163

Re: How did you get through the market crash in 08-09

I had some investments at the time, but I had also been studying Warren Buffett and was 28-29 at the time, so I was a solid (1). I began maxing out my 401(k) and Roth, and joined Bogleheads.

Thankfully, it seems to have worked out. 8-)
by Scott S
Sun Mar 09, 2014 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Paying $1,000/yr to Vanguard ! Please Help Me
Replies: 40
Views: 7990

Re: Paying $1,000/yr to Vanguard ! Please Help Me

I look forward to the day I, too, pay $1000/yr to Vanguard! :greedy
by Scott S
Sun Mar 09, 2014 8:38 pm
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 6859

Re: Any Subaru owners out there?

Have had many Subarus. Had the infamous head gasket issue on our 08 Outback. Otherwise, they just keep going for the most part. My wife has a Crosstrek limited CVT now and it's fantastic in snow and over 30mpg around town. What was the "infamous head gasket issue"? The 2.5L engines were an open-dec...
by Scott S
Sun Mar 09, 2014 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Money issues - people take me for granted
Replies: 74
Views: 6796

Re: Money issues - people take me for granted

Sounds like someone has to grow a spine. +1 A spine is being grown now. It should be completed in 1 month. Now in manufacturing phase. Cool! It can be hard to start saying "no" after saying "okay" for so long. People may kvetch about you suddenly turning greedy, but the friends worth keeping will r...
by Scott S
Sun Jan 19, 2014 3:13 am
Forum: Investing - Theory, News & General
Topic: Curious on Asset Allocation & Age
Replies: 24
Views: 5183

Re: Curious on Asset Allocation & Age

Like the other posters, I couldn't resist the urge to be more aggressive than "age in bonds" -- perhaps the 2009-2014 run-up emboldened me. ;)

I settled on "age-10" and am pretty comfortable with that choice. (Currently at about 77/23.)
by Scott S
Sun Jan 19, 2014 1:25 am
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 6983

Re: Truck/Car Envy....How do You Deal with It?

A truck doesn't do anything I need that a car can't, and I've never really liked them, so that helps. :P

...

Well, that's only partially true. It would be fun to have an unrestored step-side pickup from the 1940s, but it's not a priority.
by Scott S
Sun Jan 19, 2014 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Cars Are Expensive
Replies: 20
Views: 2741

Re: Cars Are Expensive

Used car, pay cash, drive less, bike more. :moneybag
by Scott S
Sun Jan 19, 2014 1:08 am
Forum: Investing - Theory, News & General
Topic: Impending Bond Crash - What NOT to do!
Replies: 50
Views: 8151

Re: Impending Bond Crash - What NOT to do!

I had to do some rebalancing from stocks to bonds last year. I won't be surprised if I have to do a little more this year.

"Bond crash?" Pfft. :sharebeer
by Scott S
Fri Nov 08, 2013 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Is this a good time to start Indexing
Replies: 10
Views: 1577

Re: Is this a good time to start Indexing

pvd101 wrote:...not sure if the current market is the right time to index.
Why not? ;)
by Scott S
Wed Nov 06, 2013 11:29 am
Forum: Investing - Help with Personal Investments
Topic: [Is it safe to have only] One Fund
Replies: 20
Views: 2844

Re: [Is it safe to have only] One Fund

Silence Dogood wrote:Coffee,

All of my retirement money is in one Vanguard Target Retirement fund.

In my opinion, this is the best way to save for retirement.
There is a part of me that wishes I'd done this. Nothing to tweak or adjust, just contribute until you retire. :beer
by Scott S
Tue Nov 05, 2013 7:12 pm
Forum: Investing - Theory, News & General
Topic: "Get out of bond funds"
Replies: 147
Views: 27708

Re: "Get out of bond funds"

My investing horizon will be something like 55-60 years if I take care of myself. In light of that, I'm not too worried about what bonds do in the next five or ten years. I'll just keep investing in my target AA, and rebalance if and when I need to. :moneybag
by Scott S
Thu May 23, 2013 1:39 pm
Forum: Investing - Theory, News & General
Topic: glide path vs. fixed asset allocation [POLL]
Replies: 50
Views: 5714

Re: glide path vs. fixed asset allocation [POLL]

I'm on a glide path to 50/50. :sharebeer
by Scott S
Thu May 23, 2013 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest a lump sum or dollar cost average?
Replies: 47
Views: 3904

Re: Would you invest a lump sum or dollar cost average?

*I* would lump it all into my chosen asset allocation (78/22) tomorrow.
by Scott S
Mon Apr 22, 2013 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: how long to DC average in?
Replies: 9
Views: 1007

Re: how long to DC average in?

kenyan wrote:In your case, you're talking about only 20% of your portfolio, and investing it at 78/22%. I would lump it in.
+1. Lump it in, and if 78/22 is too aggressive, you can always choose TR 2025 (71/29) or 2020 (63/37).
by Scott S
Tue Apr 16, 2013 5:52 pm
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 10809

Re: Spouse wants to purchase a bicycle for 5000.

Congrats on the Madone! That should bring a smile to the spouse's face every time -- I thought it wise to keep the gender(s) obscure so we could focus on the issue at hand. I'm big into bikes these days, but fortunately for my pocketbook, my tastes run to mid-level steel bikes from decades ago. :sha...
by Scott S
Mon Apr 15, 2013 12:28 pm
Forum: Investing - Theory, News & General
Topic: How to determine if individuals have invested in a company?
Replies: 5
Views: 926

Re: How to determine if individuals have invested in a compa

You won't have Buffett's success by trying to duplicate his moves when they become public knowledge -- just buy some BRK-B.
by Scott S
Fri Apr 12, 2013 7:21 pm
Forum: Investing - Theory, News & General
Topic: [Poll] My Tax-Advantaged Accounts > $3m?
Replies: 55
Views: 4953

Re: [Poll] My Tax-Advantaged Accounts > $3m?

I'm much more likely to retire before accumulating that much, and don't see how it could hit $3M after I do. ;)
by Scott S
Fri Apr 12, 2013 7:05 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads Actually Speculators?
Replies: 57
Views: 4391

Re: Are Bogleheads Actually Speculators?

One of my criticisms of Mr. Bogle has been he is not diversified internationally and/ or by currency. It is true he believes in the U.S. too much and has gotten lucky that the U.S. has been the dominant markets during his lifetime. Just ask yourself if Mr. Bogle was born in Japan how would his inve...
by Scott S
Fri Apr 12, 2013 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Observations on [my Asset Allocation] AA?
Replies: 4
Views: 452

Re: Observations on AA?

Not boring enough for me. ;)