Search found 1918 matches

by CyclingDuo
Wed Jan 23, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 68
Views: 4549

Re: Are REITs better to purchase when interest rates are high or low?

I swim only in the soup that I am given. In my 11 years of investing in real estate with moderate and by no means a lot of leverage, I have yet to pay taxes on my rental real estate income. This is despite generating enough income to live off of. I'm not doing anything special, just following the t...
by CyclingDuo
Wed Jan 23, 2019 7:27 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 68
Views: 4549

Re: Are REITs better to purchase when interest rates are high or low?

My advice - own real property. Better returns, second to none tax incentives, more control, wealth building legacy. REITs aren't worth the paper they are printed on IMHO. How about we take a little looksie? 20 year annualized return from 1998-2017 https://farm2.staticflickr.com/1748/42167815034_2a5...
by CyclingDuo
Wed Jan 23, 2019 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting a complex financial casserole
Replies: 13
Views: 1295

Re: Inheriting a complex financial casserole

150 acres of farmland. This land is rented out to farmers at $13,000 per year, or $90 per acre. All the farmland is leased out and there are no costs beyond property taxes. Belated condolences. I would do a study of the farm per acre cash rent price in the area. Where we live, it goes for over $200...
by CyclingDuo
Tue Jan 22, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast growing audience
Replies: 24
Views: 2282

Re: "Bogleheads on Investing" podcast growing audience

how do I listen to it while driving? You can use the Podcasts App on your iPhone. Just type in Bogleheads on Investing in the search bar and all of the episodes are there. Download each episode from the Cloud into your App so they are in your library. Several ways to listen in the car... https://su...
by CyclingDuo
Tue Jan 22, 2019 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Altering the Three-Fund Portfolio
Replies: 22
Views: 1777

Re: Altering the Three-Fund Portfolio

I had a Vanguard advisor consultation ( a yearly service provided by Vanguard at no charge). Instead of investing in TTL Bond Index Fund for my Bond part of my mix (70/30 mix currently), the advisor recommended a blend of Limted Term Tax Exempt, Intermediate Term Tax Exempt, and Long Term Tax Exemp...
by CyclingDuo
Tue Jan 22, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 128
Views: 9414

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

I might get an inheritance in the future. Might , being the operative word. Most of us would say plan your savings rate and finances independently of any inheritance. If you do get an inheritance, it will just be additional savings. It's too difficult to plan when, how much, exactly how it will all...
by CyclingDuo
Tue Jan 22, 2019 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 75
Views: 6188

Re: Saving for 1-2 years rather than for a lifetime

Right. My original post is inspired by topics like “I’m 58 yo; 3M in savings; hate my job; plan to work 2-3 more years and then retire”. That is safe. That is sad... Financial Independence is sad? Really? You sound like an outsider looking in... FI comes at a cost. And if that cost includes sitting...
by CyclingDuo
Mon Jan 21, 2019 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Afoot or on horseback?
Replies: 24
Views: 1729

Re: Afoot or on horseback?

Below are 3 sections: Backstory, financial details and questions. Long post so skip to what need be known. Backstory 1992 I was 25yrs old, comfortable and confident in life decisions, enter workforce (computer software) contributing to 401K, growth stocks, maximize match. 1994 Marry a teacher 1995 ...
by CyclingDuo
Sun Jan 20, 2019 9:47 pm
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 53
Views: 3583

Re: How much money does one need to setup a private S&P 500 fund?

Back in the day, before index funds and free trading, I read how to set up an S&P 500 fund using a represented number of companies, about 50 or so and dividend reinvestment. If one wanted to hold all 500 stocks in the index what is the least amount of money needed to buy the stocks, assuming one sh...
by CyclingDuo
Sun Jan 20, 2019 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Beginning investing late at 50 years old
Replies: 6
Views: 1415

Re: Beginning investing late at 50 years old

I'm 50 years old and have zero dollars invested for retirement. However I am retiring next month from a 30 year career in law enforcement and will get a pension that will cover most all living expenses. We recently received an inheritance and was able to pay off all debts except the house. We have ...
by CyclingDuo
Sat Jan 19, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 3054

Re: Is My Iphone Now a Brick?

No, no, no. You cannot sell it in the current state the phone is in as it is of no use to any buyer. They would have the same issues as you and request their money back. What? You literally sell it as-is bad ESN for parts only. There are dozens of eBay auctions for parts only iPhones. Thats why the...
by CyclingDuo
Sat Jan 19, 2019 10:23 am
Forum: Investing - Theory, News & General
Topic: What do you think about this 5 Fund portfolio vs 3 Fund one ?
Replies: 9
Views: 1323

Re: What do you think about this 5 Fund portfolio vs 3 Fund one ?

What do you think about this 5 Fund portfolio vs 3 Fund one ? ===================================================== Thanks for your replies to my threads. As I reviewed this piece, I thought of sharing here. Take Buffett’s Advice: 5 Vanguard Funds to Buy' https://investorplace.com/2019/01/5-vanguar...
by CyclingDuo
Fri Jan 18, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Refurbished iPhones from Amazon
Replies: 23
Views: 1930

Re: Refurbished iPhones from Amazon

Hi Bogleheads, I'm thinking about buying a refurbished/renewed iPhone 8 from Amazon. They're currently offering them as low as ~$465, a 22% savings from Apple's price (for a new one) of $599. I checked Apple's site and they don't have any refurbished 8's for sale. Has anyone out there had any exper...
by CyclingDuo
Fri Jan 18, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 3054

Re: Is My Iphone Now a Brick?

why didn't you just reset the password? https://appleid.apple.com/#!&page=signin In order to reset the password, you have to enter your information for review and they will send you a phone message in 13 days time to tell you how to reset it but since I reset the phone back to factory state, that i...
by CyclingDuo
Fri Jan 18, 2019 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 46
Views: 1582

Re: Differences in investment approach

DCA vs Lump Sum: https://www.bogleheads.org/forum/viewtopic.php?t=132098 Rebalancing: https://www.bogleheads.org/forum/viewtopic.php?t=149161 Value investing: https://www.bogleheads.org/forum/viewtopic.php?t=96441 kudos to stlutz for starting the above threads which were so contentious they got loc...
by CyclingDuo
Fri Jan 18, 2019 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options are bad...options?
Replies: 11
Views: 458

Re: Wife's 401k investment options are bad...options?

She has a safe-harbor plan, which I understand makes 3% of her salary without her having to match. So we get that without even having to put anything in. If I can get access to the 457, then seems like most people agree that is the way to go - we definitely don't need to put in more than $49K+3% of...
by CyclingDuo
Fri Jan 18, 2019 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Beginning Taxable Account
Replies: 6
Views: 508

Re: Help with Beginning Taxable Account

Looking for advice and review of tax deferred accounts as we are looking to begin Q2 investing in a Taxable Account as we're looking to save/invest more. Striving for tax efficiency over the long term and don't anticipate drawing from Taxable for short term capital gains. My wife and I are (36 & 43...
by CyclingDuo
Fri Jan 18, 2019 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options are bad...options?
Replies: 11
Views: 458

Re: Wife's 401k investment options are bad...options?

Looking for some insight into where I should be putting additional retirement funds. Currently I am maxing out my 403b with TIAA with a modified 3 fund portfolio(TIAA traditional instead of bonds) using low ER vanguard funds. I am also maxing out my backdoor Roths for my with and I at Schwab and ou...
by CyclingDuo
Fri Jan 18, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7130

Re: How much house can I afford (really)?

I would honestly try at least 6 months of living with the new house payments and expenses to see if buying the more expensive house is worth whatever you would be giving up in return to be able to afford it. I think that's a great idea. Maybe pay the new mortgage payment (PITI) to the old mortgage?...
by CyclingDuo
Fri Jan 18, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7130

Re: How much house can I afford (really)?

Something to consider if you should take on more debt or focus on your retirement savings until you are in a better financial position that is, perhaps, not quite so tenuous. FIDELITY CHART/ARTICLE – ARE YOU ON TRACK TO RETIRE? https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-re...
by CyclingDuo
Thu Jan 17, 2019 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Clearing the decks at age 60 and starting over
Replies: 20
Views: 4075

Re: Clearing the decks at age 60 and starting over

I recently left my long time employer after 33 years due to a hostile work environment. I liquidated all my equity positions in my Voya 401k, which of course, generated no capital gains and I am rolling over to my Fidelity IRA. I aspire to be a boglehead, but I have a long ways to go. Going forward...
by CyclingDuo
Thu Jan 17, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7130

Re: How much house can I afford (really)?

I think I really threw this thread off course by not including my profit sharing contribution in income. (I didn't this quickly and didn't think it through. My view was to stop short of providing my entire financial picture so I knew I had cushion behind any comments on here.) Anyway, the REALITY i...
by CyclingDuo
Thu Jan 17, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Zelle Fraud? But how? What now?
Replies: 32
Views: 3218

Re: Zelle Fraud? But how? What now?

To me, Zelle is a giant security risk for not much added value. I am not gonna Zelle someone $5,760 payment. And paying someone $21.57 in Zelle is just wasteful. I will just pay them cash, or next time, I will pay for a bill. Some banks have a limit on how much you can send via Zelle. Our bank limi...
by CyclingDuo
Thu Jan 17, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7130

Re: How much house can I afford (really)?

Tough dilemma in my family currently. I'm married, 40years old, with two young kids: ages 3 & 5. Good income and I tend to lean towards the conservative side of investing. We own a $420k house on which we owe about $230k. It's 3,000 square feet plus finished basement, and we generally like it. HOWE...
by CyclingDuo
Thu Jan 17, 2019 8:29 am
Forum: Investing - Help with Personal Investments
Topic: New to the forum and looking for advice
Replies: 11
Views: 785

Re: New to the forum and looking for advice

Desired Asset allocation: 90% stocks / 10% bonds - Desired International allocation: 100% of stocks My portfolio is currently 80/20 US/INT but i would like 70/30 There is beauty in simplicity. Since you are new to Bogleheads, suggested reading might include The Bogleheads' Guide to the Three-Fund P...
by CyclingDuo
Thu Jan 17, 2019 1:37 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 853
Views: 45266

Re: John Bogle is dead at 89

Jack joined this forum on Jan 07, 2008 and posted a total of 20 times. His posts can be found here: jack bogle I was checking this link, and here is an extract of one of his last posts (emphasis is mine). That brought tears to my eyes. Yes, Jack, we'll keep singing. I’m beginning to age a bit, and ...
by CyclingDuo
Wed Jan 16, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11028

Re: Are You Dumping Netflix?

Netflix announced today that they will be increasing their subscription rates. The basic plan will increase 12.5% (from $7.99 to $8.99). The standard plan will increase 18.2% (from $10.99 to 12.99). The top-tier plan will increase 14.3% (from $13.99 to $15.99). We have been considering getting a fi...
by CyclingDuo
Wed Jan 16, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: 403(b) plan - did we over-contribute in 2018
Replies: 5
Views: 259

Re: 403(b) plan - did we over-contribute in 2018

I should have done more Googling before posting. 1) Yes, it's an excess contribution 2) IRS has guidance on what needs to happen to correct this (and the correction needs to happen before April 15) https://www.irs.gov/retirement-plans/403b-plan-fix-it-guide-your-403b-plan-didnt-limit-elective-defer...
by CyclingDuo
Wed Jan 16, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: 403(b) plan - did we over-contribute in 2018
Replies: 5
Views: 259

Re: 403(b) plan - did we over-contribute in 2018

I should have done more Googling before posting. 1) Yes, it's an excess contribution 2) IRS has guidance on what needs to happen to correct this (and the correction needs to happen before April 15) https://www.irs.gov/retirement-plans/403b-plan-fix-it-guide-your-403b-plan-didnt-limit-elective-defer...
by CyclingDuo
Tue Jan 15, 2019 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Life transition, what's next
Replies: 25
Views: 3193

Re: Life transition, what's next

Thanks to everyone for your feedback, looks like I need to take some action! Original Post: Have pretty much lived to work but it seems my career is over, risen to my level of incompetence. I'm sixty-one and find myself working part time at Home Depot. My wife is seventy-five and we use her Social ...
by CyclingDuo
Tue Jan 15, 2019 10:51 am
Forum: Investing - Theory, News & General
Topic: How to avoid temptation to buy hot stocks or bitcoin?
Replies: 63
Views: 4259

Re: How to avoid temptation to buy hot stocks or bitcoin?

I have 20 years experience of investing. In 2000, I can't avoid temptation to buy hot IT stocks. And I learned that buying hot stocks always leads to a disaster. But history repeats itself. Many speuators(not investors) lose money by buying hot bitcoin. How to avoid temptation to buy hot stocks or ...
by CyclingDuo
Tue Jan 15, 2019 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Building Taxable Account
Replies: 12
Views: 987

Re: Need Advice on Building Taxable Account

After 8 years of toying around with picking individual stocks in my taxable account, I have not been satisfied with my performance nor risk profile. I am looking at pursuing a fresh start in my taxable and would like some advice on how to proceed. I would like it to be fairly simple, and would like...
by CyclingDuo
Mon Jan 14, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Drink Up! [Bogle Vineyards Wine]
Replies: 35
Views: 9184

Re: Bogleheads Drink Up! [Bogle Vineyards Wine]

This thread is now in the Personal Consumer Issues forum (wine). I also retitled the thread. Yes, I've had the wine. Not bad. Whew. That was a relief. I thought the wine was going to get taken away just as the discussion was getting going! (Thread lock). The fun had here was not too much or too row...
by CyclingDuo
Mon Jan 14, 2019 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Newbie. Retirement Investing plan below good?
Replies: 2
Views: 235

Re: Newbie. Retirement Investing plan below good?

folks, I am new to bogleheads & new to investing. I have been reading up different articles & forums on bogleheads from past few weeks. I need some guidance on setting up retirement accounts. I have been away from the work force about 10yrs & recently started working as a W2 contractor. Here are my...
by CyclingDuo
Mon Jan 14, 2019 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Lazy Portfolio vs CFP
Replies: 4
Views: 542

Re: Lazy Portfolio vs CFP

If a 25 year old won $200,000 in the lottery, what are the advantages of placing that money in a lazy or three fund portfolio vs having an independent fee only certified financial planner manage the money for 1% per year, using an 80% equities/20% fixed income low cost ETF and low transactions to m...
by CyclingDuo
Sun Jan 13, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Geek Squad Wait Time
Replies: 13
Views: 1172

Re: Geek Squad Wait Time

I pay about $10 per month for Best Buy's Geek Squad remote personal computer support and have used their service sparingly over the last several years. Early on the wait time was reasonable and the service worked well however, more recently it has been unacceptable in my opinion. Today 15 minutes a...
by CyclingDuo
Sat Jan 12, 2019 5:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 580
Views: 69854

Re: Post your Financial Milestone Announcements Here

Good, sounds like they are off to a great start. All 3 of our kids were very appreciative of getting out of school debt free, makes you feel like you did something right as a parent. I don't know how young people manage to get ahead living in high cost areas like San Francisco, my oldest lives in S...
by CyclingDuo
Sat Jan 12, 2019 10:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 580
Views: 69854

Re: Post your Financial Milestone Announcements Here

Congrats, it's a good feeling to get them all through w/o debt. Bonus if they appreciate it, which I'm sure they will once they get into the "real" world and start supporting themselves and talking to their co-workers who are still saddled with SL debt. Fortunately, they are very appreciative. The ...
by CyclingDuo
Sat Jan 12, 2019 10:39 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon
Replies: 23
Views: 3681

Re: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon

To respond to marcopolo's comment The only guide to right financial plan was written for those in the accumulation phase. This book is for those in the retirement planning phase, focused on all the issues one has to address, including planning a life in retirement, potential for cognitive decline, ...
by CyclingDuo
Fri Jan 11, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9769

Re: Disciplined with finances, but not so with diet

One more idea that fulfills the notion of being simple to remember and execute that is often a mantra at MyFitnessPal.com:

"Weight is lost in the kitchen, not the gym!"
by CyclingDuo
Fri Jan 11, 2019 12:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 580
Views: 69854

Re: Post your Financial Milestone Announcements Here

Milestone reached for us this week: We wired the final college tuition bill to the graduate school today. We have had two children go through undergraduate and graduate school degrees at four universities from the fall semester 2011 to this final spring semester 2019. 8 years of paying tuition betw...
by CyclingDuo
Fri Jan 11, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9769

Re: Disciplined with finances, but not so with diet

I don't think it is that simple. Some people have bodies that are efficient at converting calories into fat. Some peoples bodies just poop out what is not needed. For simple calories in, vs calories burned accounting, you also have to consider the calories lost in your waste products. I'm lucky, my...
by CyclingDuo
Fri Jan 11, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 160
Views: 13568

Re: Around 43K in dividends last year - feel good about it ?

My portfolio threw around 43K total dividends in 2018 ( was around 36K in 2017). Around 14 k is taxable. This number does not include cap gains distribution by mutual funds. On one hand it feels good to see this stream of income coming in, but on the other I am still down by 90K for 2018 even after...
by CyclingDuo
Thu Jan 10, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9769

Re: Disciplined with finances, but not so with diet

Agree wholeheartedly. People spend billions annually on diet and exercise nonsense, when all they have to do is math. Math was the basis for my successful weight loss plan (posted above), and I ate mostly garbage. Yup. Simple math. Tons of forum posts at MyFitnessPal.com that proves eating dirty vs...
by CyclingDuo
Thu Jan 10, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9769

Re: Disciplined with finances, but not so with diet

Any bogleheads any diet wisdom? I've always been disciplined with saving money but can't seem to apply the same discipline to my diet. I have tried weight watchers, Jenny Craig, beach body, keto, my fitness pal...I lack discipline and get hungry. Just this week I decided to start eating the same th...
by CyclingDuo
Thu Jan 10, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13990

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

Just looking for the millionaires on here that did it on less than a $100k average annual household income, and what your main keys to success were? Also, if you wouldn't mind posting at what age you achieved this milestone and any other relevant facts. Thanks! What was the single most important "k...
by CyclingDuo
Wed Jan 09, 2019 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Help picking husband's 401k investments
Replies: 17
Views: 1052

Re: Help picking husband's 401k investments

Vanguard Institutional Index Plus Vanguard Mid-Cap Index Inst Plus Vanguard Small-Cap Index Inst At least with those three choices for US Domestic he has available, you can approximate the Total Stock Market Fund for the US Domestic portion of the Three Fund Portfolio either using two of them or al...
by CyclingDuo
Tue Jan 08, 2019 5:52 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: 6872

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

I definitely understand the scary part but if you have 25x expenses and you are 75/25 don't you have 6.25 years in safe assets plus you still receive dividends and most people will have SS or even a pension so what they get from their portfolio won't be all that they have. So yes, 75/25 sounds scar...
by CyclingDuo
Mon Jan 07, 2019 12:06 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 234
Views: 29034

Re: Social Security for Millennials

I am 40, so technically just on the border of millenial. I don't plan for SS dollars. I am just simply saving as much as I can with three kids. I was able to fully fund three 529's, pay off all my debt, and now I am dumping as much money as I can year over year. If SS is there, great! If it isn't (...
by CyclingDuo
Sat Jan 05, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8262

Re: What Do You Spend The Most On Annually?

What percentage of your income do you spend on these categories? How much do you analyze this and your budget annually? We take the annual and break it down into daily for our budgeting to know how much of our daily income goes to what category. How much do we analyze? Quite a bit as each year fluc...