Search found 2161 matches

by CyclingDuo
Fri Apr 19, 2019 8:15 am
Forum: Personal Investments
Topic: investing beyond the three fund portfolio
Replies: 7
Views: 617

Re: investing beyond the three fund portfolio

Ok I totally understand and have setup my three fund port. This is great but can be a little too boring. Do any of you invest in what I call Mad Money on individual stocks or ETF? And what percentage of your overall investments is this Mad Money? Any safe guards or methodology that you have set in ...
by CyclingDuo
Fri Apr 19, 2019 7:44 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 76
Views: 5346

Re: Thinking about selling stocks near all time highs

I am thinking about selling some stock ETFs after one of the strongest gains in the stock market since christmas 2018. I know that this slope that we're on cannot continue and has never historically continued at this rate, so a correction is inevitable. We're on pace for nearly a 60% return for the...
by CyclingDuo
Thu Apr 18, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Not Maxing 401K OK?
Replies: 39
Views: 3789

Re: Not Maxing 401K OK?

So I see lots of folks on here maxing 401K’s. Question is: For us mortals with lower income, is it ok to not max? Deets below... I’m 40, wife 36. I gross $50K, she grosses $76K. I save 18% pre tax VTSAX, Roth maxed out (2018 was my first Roth sadly, wife too) we invest in mostly VTI in Roth’s. She ...
by CyclingDuo
Wed Apr 17, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2657

Re: Insurance Advice after bicycle accident

In the unlikely case you're not just being snarky.. The other cyclist made an illegal maneuver which started the chain reaction. He tried passing the car over double solid yellow lines. The car hit the other cyclist, then his brakes hard and did a small swerve, my wife hit the trunk of the car and ...
by CyclingDuo
Wed Apr 17, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2657

Re: Insurance Advice after bicycle accident

I'd like some advice about what the best next steps are in my situation. I'm confused about the claim process or if I even have grounds to make one. My wife was with a cycling group this past Sunday and collided with a car. Wife is ok, but hurt her hand, mild concussion, and smashed her knee pretty...
by CyclingDuo
Wed Apr 17, 2019 1:16 pm
Forum: Personal Investments
Topic: Dividend Generating Portfolio for Retirement
Replies: 8
Views: 1102

Re: Dividend Generating Portfolio for Retirement

We use a small investment group to manage our sizable portfolio which includes about 70 individual stocks and a bond fund (Pimix) in a 70/30 allocation for a 1% fee for our fiduciary advisers. We have a 2/3 taxable and 1/3 non taxable allocation as well. It has provided returns significantly beyond...
by CyclingDuo
Wed Apr 17, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Question on compromised credit cards
Replies: 20
Views: 1120

Re: Question on compromised credit cards

I wonder if someone could shed some light on something that happened to me this past week. I had two credit cards, with different banks, be "compromised" by someone trying to buy things with them in Europe online. This puzzles me, because one card I only used lightly, mostly at a "tied in" hotel, a...
by CyclingDuo
Tue Apr 16, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6245

Re: What is your hobby and how did it come to be your hobby?

I’m looking for a new hobby and am curious as to what other Bogleheads have chosen, as well as how it came to be. Mountain Biking & MTB Racing: Tore my first meniscus in 1999 while playing adult basketball. Surgery a few days later and before being released the next day, the Doctor said I needed to...
by CyclingDuo
Tue Apr 16, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Late K1
Replies: 9
Views: 929

Re: Late K1

I received a small K1 today (Apr 14th) that I wasn't expecting for 2018. I already filed my taxes. I am looking at the 1040 amendment process and it looks painful. I estimate that I only owe about $200 more. I read that the negligence penalty is 20% of the amount owed and a $40 penalty seems great ...
by CyclingDuo
Tue Apr 16, 2019 8:56 am
Forum: Personal Investments
Topic: Retirement Planning with Pension
Replies: 16
Views: 1729

Re: Retirement Planning with Pension

Thank you all for the feedback and the additional resources. My pension is a defined benefit plan in (relatively) good health (i.e., over 80% funded). Contributions to the pension plan are a mix of employer and employee. As part of the state's funding plan the percentage of our income that is contr...
by CyclingDuo
Mon Apr 15, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff - Early 60's
Replies: 13
Views: 2110

Re: Layoff - Early 60's

(not me but family - will have more info soon) Early 60's, show up for work and given pink slip (IT field). Planned to work for another couple years. My expectation is low probability of finding work (due to age/field). I believe Texas unemployment will last up to 26 weeks ($465/wk) and then after ...
by CyclingDuo
Mon Apr 15, 2019 12:56 am
Forum: Personal Investments
Topic: Retirement Planning with Pension
Replies: 16
Views: 1729

Re: Retirement Planning with Pension

Hello, I'm relatively new to investing and am seeking advice on our current assets as well as how to continue building our portfolio given that my spouse and I are public employees and have pension plans. General : Emergency funds: We have an emergency fund to cover 6+ months of expenses Debt: Our ...
by CyclingDuo
Sun Apr 14, 2019 8:27 pm
Forum: Personal Investments
Topic: How much to contribute in Employee Stock Purchase Plan?
Replies: 6
Views: 624

Re: How much to contribute in Employee Stock Purchase Plan?

I am trying to figure out how much percentage(from 1-15%) of my base salary, bonus, incentive comp to contribute for my ESPP. The details...6 month average look back from Oct 31,2018 to April 30,2019. Then they discount 15% off of the average stock price. I am locked in to the price for 24 months a...
by CyclingDuo
Sat Apr 13, 2019 5:19 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 5765

Re: Fidelity is making it hard for my daughter to fund a Roth

So here is what went down This last experience makes me think that Fidelity was not providing horrible service, but was rather par for the course. My daughter's Roth has been placed into a savings account equivalent. Now I need to see what can be done at that institution. I would prefer to have the...
by CyclingDuo
Thu Apr 11, 2019 6:39 pm
Forum: Personal Investments
Topic: Please wrap your Boglehead around this
Replies: 31
Views: 5535

Re: Please wrap your Boglehead around this

Long-time reader. First time poster. I will try to be as concise as I can. Give me a break...I'm a woman! Thank y’all for taking your valuable time to consider this! Only responding because I love your name Villanelle . Probably due to my love of Berlioz's Les nuits d'été of which the first song is...
by CyclingDuo
Thu Apr 11, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Add more value to undergrad application during high school
Replies: 42
Views: 2029

Re: Add more value to undergrad application during high school

The young person is in 9th grade. What are some of the steps this young person can take during high school to add more value to the undergrad application? 9th grade: English honors A Spanish honors A World history honors B+ Geometry honors B+ Biology honors B+ Activities: activity, hours per week, ...
by CyclingDuo
Thu Apr 11, 2019 7:42 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 105
Views: 7911

Re: Crypto bulls are back. Are you getting in?

I know this forum discourages investing in crypto and views it as rat poison. Well, in essence that is an apt comparison as it's difficult to invest in Rat Poison these days since the main rat poison products are owned by private or government companies. Bell Laboratories, Inc. (private company) ma...
by CyclingDuo
Thu Apr 11, 2019 5:32 am
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 5765

Re: Fidelity is making it hard for my daughter to fund a Roth

My daughter turned 18 not long ago and has been working for several years. I suggested she open a Roth and fund it with her 2018 earnings. I helped her go online and open a Roth IRA account at Fidelity, but we were not able to fund the IRA from her checking account because Fidelity could not "verif...
by CyclingDuo
Wed Apr 10, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Smartphones with Least Bloatware
Replies: 28
Views: 2108

Re: Smartphones with Least Bloatware

Hi BH community, I'm starting to consider the replacement for my current phone, which is a Samsung S4. I'm interested in phones that come with the least amount of bloatware and have great cameras. I've looked at the Essential Phone but it always seems like it's out of stock. Any recommendations? iP...
by CyclingDuo
Wed Apr 10, 2019 7:05 am
Forum: Personal Investments
Topic: Sell large stock holding and go index fund?
Replies: 7
Views: 638

Re: Sell large stock holding and go index fund?

Always appreciate the great insight on this board. Been with Vanguard for almost five years now and it’s been great. I have one IRA there that was rolled over from a company I worked at 20 years ago. I made some decent stock picks in it before I knew about ETFs etc... Apple being one. This account ...
by CyclingDuo
Tue Apr 09, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40460

Re: Losing a job in your 50's...

Moderator Reminder: Political commentary is prohibited. See Forum Rules 4 (a) Unacceptable Topics: Politics and Religion. Thank you, jbranx! :beer My desire in creating the thread - since I experienced it - was for those who have been through a layoff in their 50's and the immediate steps and follo...
by CyclingDuo
Tue Apr 09, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6174

Re: How Much Do You Pay For Haircut?

I go to a barber shop roughly every 3 to 4 weeks. Regular men's haircut cost $15 and I tip $2 for total of $17. No shampoo or shaving included. I have a pretty basic haircut and does not care much about fancy style. I have it cut short and neat. How much do you pay for your haircut? Once every 4-6 ...
by CyclingDuo
Tue Apr 09, 2019 1:45 pm
Forum: Personal Investments
Topic: M1 Finance
Replies: 30
Views: 2102

Re: M1 Finance

Does anyone use M1 Finance investing platform? It a newer platform that really does offer some interesting options. If so what's your feedback on it ? Of course, I wouldn't limit my recommendation to just young and beginning investors... Why young and beginning investors? I'm perplexed by your reco...
by CyclingDuo
Tue Apr 09, 2019 10:02 am
Forum: Personal Investments
Topic: M1 Finance
Replies: 30
Views: 2102

Re: M1 Finance

Does anyone use M1 Finance investing platform? It a newer platform that really does offer some interesting options. If so what's your feedback on it ? Yes, we use it (as well as the Acorns platform) for investing a percentage of our side gig money only into taxable investing. No fees. Fractional sh...
by CyclingDuo
Tue Apr 09, 2019 7:53 am
Forum: Investing - Theory, News & General
Topic: Did I read this correctly? SS and your AA
Replies: 36
Views: 4001

Re: Did I read this correctly? SS and your AA

I read this, this morning. 'Our research finds that those with more wealth should hold less equity exposure than those with less wealth. This is not because of growing risk aversion as one ages. Rather, it’s because as wealth grows, Social Security — which mimics the role of bonds in providing an i...
by CyclingDuo
Mon Apr 08, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: The "dividend preference anomaly"
Replies: 183
Views: 8186

Re: The "dividend preference anomaly"

A dividend not paid out and invested unwisely by corporate management is ephemeral and can be gone tomorrow. And a divided not paid out and invested wisely by corporate management will grow and be worth more tomorrow. That's investing, pure an simple. What's the coupon? Buy farm land and rent it ou...
by CyclingDuo
Mon Apr 08, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my financed iPhone XS Max and going back to Android...
Replies: 40
Views: 2450

Re: Thinking of selling my financed iPhone XS Max and going back to Android...

hey there, the more i think about it, the more ridiculous it is that i pay ~$50/mo. for a cell phone. the phone retailed for ~$1200 (ridiculous) and is currently selling on various websites for ~$870 in good, used condition. i figure i pay off the loan, sell it and then buy a cheaper, "non-flagship...
by CyclingDuo
Mon Apr 08, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 6486

Re: Boglehead teachers or those married to one: some questions about career and life...

Fair enough. Remember, high/low and over/under are relative terms though. A teacher getting paid $100,000 in say New Orleans Louisiana would indeed be considered being compensated "very highly" as you stated as only 18% of the population makes great than that and 50% of the population makes less th...
by CyclingDuo
Sat Apr 06, 2019 11:24 am
Forum: Investing - Theory, News & General
Topic: The "dividend preference anomaly"
Replies: 183
Views: 8186

Re: The "dividend preference anomaly"

According to Portfolio Visualizer , the annualized return of VTSMX from 1972-2017 was 10.41%. For large caps, it was 10.32%. Didn't VTSMX start in 1992? In terms of comparing to large caps, I would go with the current 133 Dividend Champions to compare from 1992 to present since the Champions have t...
by CyclingDuo
Sat Apr 06, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: The "dividend preference anomaly"
Replies: 183
Views: 8186

Re: The "dividend preference anomaly"

What about reinvesting the dividend rather than taking it in cash? Yes, that's an ideal strategy during the accumulation years, as well as a strategy for the amounts not needed to cover expenses in retirement. Location of the investments (Roth IRA, tax deferred IRA's, 401k Brokerage Window accounts...
by CyclingDuo
Sat Apr 06, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40460

Re: Losing a job in your 50's...

If you don't live in an NYC, Boston/Cambridge, Chicago, Minneapolis, KC, St. Louis, Seattle, Portland, Davis, Bay Area, Baltimore, DC, Atlanta, New Orleans, Nashville, Detroit, Austin, Dallas, Houston, Philly, LA, Salt Lake City, Omaha, Boulder, Denver, Milwaukee, ABQ, Iowa City, East Lansing, Madi...
by CyclingDuo
Sat Apr 06, 2019 9:04 am
Forum: Investing - Theory, News & General
Topic: The "dividend preference anomaly"
Replies: 183
Views: 8186

Re: The "dividend preference anomaly"

So basically, dividend paying stocks WIN!! My answer would be that time and compounding wins! We all receive bond coupons, dividends, interest, and share price appreciation that, in aggregate, win over time. :beer Please note that the Ned Davis research uses an equal weighted S&P 500. :?: This is o...
by CyclingDuo
Sat Apr 06, 2019 8:34 am
Forum: Investing - Theory, News & General
Topic: The "dividend preference anomaly"
Replies: 183
Views: 8186

Re: The "dividend preference anomaly"

Can someone explain to me exactly what happens to stock prices when a dividend is paid? Nothing special happens to the price of any particular stock on the day it’s dividend is paid. On average a stock drops in price by the amount of its dividend on the day the stock begins to trade ex-dividend tho...
by CyclingDuo
Fri Apr 05, 2019 9:07 am
Forum: Investing - Theory, News & General
Topic: Volatility of spending
Replies: 27
Views: 1635

Re: Volatility of spending

And I'm just returned from a 7600-mile roadtrip spanning the month of March in which I stayed in motels and ate meals out every day except one. So my spending was higher for March than February most likely. I guess I'm not really sure what the point of the OP's question is... Sounds like the point ...
by CyclingDuo
Fri Apr 05, 2019 8:33 am
Forum: Personal Investments
Topic: Retirement Asset Allocation Question
Replies: 18
Views: 1332

Re: Retirement Asset Allocation Question

Hi All, This is such a great forum and I really appreciate the helpful and wise folks who post on here. I would appreciate any of your thoughts / opinions on my current situation. I'm 64 still working and plan on retirement at full retirement age of 66 yr. 2 mos. Wife is 63 and retired due to a med...
by CyclingDuo
Thu Apr 04, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40460

Re: Losing a job in your 50's...

A lot of the workforce chooses to live far away from their workplace, for a variety of reasons (around here, it is usually to get more house for the money). I think it's far more likely that people don't choose houses based on their workplaces, nor move every time they change jobs. We bought a hous...
by CyclingDuo
Thu Apr 04, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 6486

Re: Boglehead teachers or those married to one: some questions about career and life...

i am going to go through all of the responses soon but a question as i do so: does the fact that she contributes to both a 403b and a Roth IRA act as a sort of "safeguard" or at least a potential alternative IF we ultimately uproot and the pension becomes an issue (either not enough to live off of,...
by CyclingDuo
Thu Apr 04, 2019 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40460

Re: Losing a job in your 50's...

My brother and I are both in our late 50's. He was a project manager; I am a business analyst; both for software development and maintenance projects. Similar experience. The new mantra of several companies is that they are located in "right to work" states. Be forewarned, this is code for 'right t...
by CyclingDuo
Wed Apr 03, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40460

Re: Losing a job in your 50's...

Most US cities require a car to get around though, especially around a base. I have a military buddy who used to drive everywhere, afterall the public transit isn't great in 29 Palms. He walks everywhere now. Takes the train from Alexandria to the Pentagon for work, driving that route would be hell...
by CyclingDuo
Wed Apr 03, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 6486

Re: Boglehead teachers or those married to one: some questions about career and life...

This study indicates that most teachers’ pension plans are often worth less than their own contributions unless they serve for many years. The Appendix has the numbers for each state, with several plans listed for most states. Our findings identify two problems that systematically disadvantage teac...
by CyclingDuo
Wed Apr 03, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 6486

Re: Boglehead teachers or those married to one: some questions about career and life...

here's the rub. her, nor i, particularly love the area we live in. additionally, as a young couple it can feel a bit suffocating being tied to an area for the next ~25 years due to a job - though family is in the area as well (a biggie, we know!). This stuck out to me. I'm not a teacher but I went ...
by CyclingDuo
Wed Apr 03, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Adjusting to lower compensation from a retirement job
Replies: 42
Views: 1700

Re: Adjusting to lower compensation from a retirement job

flyingaway wrote:
Wed Apr 03, 2019 12:14 pm
If I REALLY have ENOUGH money and don't need more, I would be on a tropical beach and drink a cold beer.
For some, the luster of that wears off after time.

Hopefully, you've been enjoying vacations up until now doing that. :beer
by CyclingDuo
Wed Apr 03, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Adjusting to lower compensation from a retirement job
Replies: 42
Views: 1700

Re: Adjusting to lower compensation from a retirement job

Do benefits jobs really exist? If they do, can't hurt to try one. Not really sure, Starbucks and HomeDepot were once famous for this but that really isn't likely something I could deal with very long. It may be for me that retirement is a binary decision but I thought the option was worth exploring...
by CyclingDuo
Wed Apr 03, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 6486

Re: Boglehead teachers or those married to one: some questions about career and life...

a lot to sort through and some very helpful information. i will study up on all of this. to potentially further the discussion and provide some additional context, here is our financial situation: her: Annual Gross Income: ~$100K (closing in on ceiling) 403b: $40K Roth IRA: $12K Other savings: $30K...
by CyclingDuo
Wed Apr 03, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 6486

Re: Boglehead teachers or those married to one: some questions about career and life...

we are both 32 years old - approaching 33. she makes ~$100K and i am at ~$115K - again with a higher ceiling for me. she is vested in the pension AND has met the years of service requirement, so yes, she will certainly not lose the pension. funny you mention the 403b. i set one up for her a couple ...
by CyclingDuo
Wed Apr 03, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Adjusting to lower compensation from a retirement job
Replies: 42
Views: 1700

Re: Adjusting to lower compensation from a retirement job

Do benefits jobs really exist? If they do, can't hurt to try one. Not really sure, Starbucks and HomeDepot were once famous for this but that really isn't likely something I could deal with very long. It may be for me that retirement is a binary decision but I thought the option was worth exploring...
by CyclingDuo
Wed Apr 03, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 6486

Re: Boglehead teachers or those married to one: some questions about career and life...

my wife is a teacher. she has a great job in a good district with tenure and a solid pension. sounds great, right? well...it is, mostly. here's the rub. her, nor i, particularly love the area we live in. additionally, as a young couple it can feel a bit suffocating being tied to an area for the nex...
by CyclingDuo
Wed Apr 03, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40460

Re: Losing a job in your 50's...

My industry is pretty well known for frequent layoffs. It's also not generally known for having a lot of workers that are older, something I noticed in my very first job out of college. Anyway, I escaped layoffs until my first one in my late 40's at a spinoff of a megacorp. Fortunately, I saw it co...
by CyclingDuo
Wed Apr 03, 2019 7:34 am
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 16299

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

I didn’t read the whole thread, but across the first two pages I was shocked to find no mention of income independence from your current job. By this, I don’t mean your portfolio. I mean the ability to transform your human capital into cash independent of your job. The ability is something I believ...
by CyclingDuo
Tue Apr 02, 2019 10:49 pm
Forum: Personal Investments
Topic: I bought a stock for the first time.
Replies: 66
Views: 3962

Re: I bought a stock for the first time.

Of all the company stocks available to purchase and become a shareholder, you chose a stock two days after its IPO. :shock: That is very close to what Warren Buffet said on CNBC recently. Of all the public companies out there, why would I buy LYFT? He compared buying LYFT to one time at the Desert ...