Search found 906 matches

by CyclingDuo
Mon Dec 11, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest in a bull market
Replies: 10
Views: 1004

Re: When to invest in a bull market

Hello - I'd like to invest $100,000 in the S&P 500 Index mutual fund, but the market is at an all time high. Also, a dividend distribution date is set for 12/21/17 and I don't want to invest until after that date so I don't have to pay additional taxes in 2017. Any advice on when to invest? Should ...
by CyclingDuo
Mon Dec 11, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off a mortgage with an almost non-existent rate
Replies: 15
Views: 877

Re: Paying off a mortgage with an almost non-existent rate

My wife and I currently make $145,000 a year. We have 3 children (11, 6, 5). Should we just throw that $750 into our money market account? Or since we are maxing everything out, would it make sense to pay the mortgage off early? Does it ever make sense to pay off a mortgage with such a low interest...
by CyclingDuo
Mon Dec 11, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 62
Views: 6176

Re: Just not getting it

Let me think (images of Lucent, America On Line, Pets.com, Enron, Worldcom, Global Crossing, America Home Mortgage, Lehman Brothers, Bear Sterns, Washington Mutual, Merrill Lynch, Countrywide Home Mortgage.....coming to mind)......hmmmmm. This is one of the ubiquitous warnings that gets touted the ...
by CyclingDuo
Sun Dec 10, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: 2000-09 worst decade for large cap stocks in 109 years
Replies: 44
Views: 2899

Re: 2000-09 worst decade for large cap stocks in 109 years

Huh, it's almost like a record high CAPE actually did predict something... CAPE doesn't have to be at record highs for its proponents to predict bad returns, I mean here is Shiller from the summer of 1996: "Today, with a ratio of 29.72, well above average though not at record levels. The fitted val...
by CyclingDuo
Sun Dec 10, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Amount Contributed to Roth on Fidelity Site?
Replies: 6
Views: 286

Re: Amount Contributed to Roth on Fidelity Site?

Thanks, that gives a rounded to whole dollar total for every month, and actually is 2 deposits less than adding the monthly deposits from the Roth listings. I'd really like to double check my math with an exact amount contributed on the Roth side of the site. It really can't be this hard. Pick up p...
by CyclingDuo
Sun Dec 10, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 80
Views: 6944

Re: Jack Bogle Is Worried About U.S. Pensions

This nation has overcome many a challenge since its founding in 1787. This will be no different, we will find a way. +1 Although the US has always been a young country. The demographic challenge of aging is hardly unique to the USA. In fact it faces all the developed nations at once, and the larges...
by CyclingDuo
Sat Dec 09, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 34
Views: 3478

Re: Why is Vanguard switching all accounts to brokerage accounts?

zaboomafoozarg wrote:
Sat Dec 09, 2017 5:06 pm
Nate79 wrote:
Fri Dec 08, 2017 7:40 pm
Welcome to the 21st century..... It's not the stone age anymore.
Yeah, I never understood the fearful or angry reactions to getting transitioned to a brokerage account. You still own the same stuff.
As long as the old accounts don't end up costing all of us more in ER fees...
by CyclingDuo
Sat Dec 09, 2017 5:09 pm
Forum: Investing - Theory, News & General
Topic: 2000-09 worst decade for large cap stocks in 109 years
Replies: 44
Views: 2899

Re: 2000-09 worst decade for large cap stocks in 109 years

Thanks Robert. This is in line with my comments about secular bear markets, extended periods of time where the stock market is essentially flat. Sometimes you have to be really patient to get the equity premium. The market was essentially flat from about 1929 - 1948, from 1968 - 1984, and from 1999...
by CyclingDuo
Sat Dec 09, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7112

Re: At what age your investments start making more money than you?

How old were you when your investments Grew more in a year than your households 'Gross' income. 33 and 37 respectively back in 1995. Then it happened again in 1996, 1997, 1998, and 1999. And then it didn't happen for a few years. And then again. And then not for a few years. And then again. And aga...
by CyclingDuo
Sat Dec 09, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: A new boglehead with questions
Replies: 6
Views: 555

Re: A new boglehead with questions

Hello! I am a new member to this forum. Over the last year I have become very interested in and convinced of the necessity to invest, and invest wisely. I just left Edward Jones and transferred all of my accounts to Vanguard. My wife and I have two Roth IRAs ($20,000) and a taxable account with abo...
by CyclingDuo
Sat Dec 09, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Home Mortgage vs Bonds
Replies: 5
Views: 301

Re: Paying off mortgage instead of buying bonds

[Thread merged into here, see below. --admin LadyGeek]

deleted - just realized the OP's thread was from April, 2016
by CyclingDuo
Fri Dec 08, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 80
Views: 6944

Re: Jack Bogle Is Worried About U.S. Pensions

Jack on pensions Nice read in Bloomberg: The founder of Vanguard Group thinks a conservative portfolio of bonds will only return about 3 percent a year over the next decade, and stocks won’t do much better, with a 4 percent annual gain over a similar period. This is “totally defeating” for pensions...
by CyclingDuo
Fri Dec 08, 2017 2:42 am
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 52
Views: 5022

Re: CPA: The best profession if you want to make the most money + keep the most money?

Derivative wrote:
Thu Dec 07, 2017 5:11 pm
Any advice is appreciated. Thank you!
For every 100 at bats, get 33-35 hits.

That could be worth a cool $20 - $30M per year. :mrgreen:
by CyclingDuo
Thu Dec 07, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Migrating inherited portfolio to Index funds
Replies: 9
Views: 881

Re: Migrating inherited portfolio to Index funds

My plan so far : Match assets with cap gains and cap losses and sell that batch, but there are not many cap losses to go around. Another possibility that may or may not help is to do gifts in-kind to the people I want to share the inheritance with. (They were not in the will.) The problem here is I...
by CyclingDuo
Thu Dec 07, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 24
Views: 1906

Re: Call the Top!

Given that there seems to be a persistent feeling (in the general public at least), that the market is over-valued, bubblish, and/or over-due for a correction; it might be fun to have a "Call the Top" contest. Proposal: Call the peak value of the S&P 500 (up to two decimals) that it achieves prior ...
by CyclingDuo
Wed Dec 06, 2017 10:38 pm
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 2962

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

The $100M in cash is equivalent to 15% of their assets I do not believe your numbers are accurate. They are wrong by orders of magnitude. Google lists the market cap of Berkshire Hathaway as $484B. That $100M cash is drop in the bucket unless you and I are measuring completely different things. Yup...
by CyclingDuo
Wed Dec 06, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4762

Re: I received a speeding ticket via mail from IA - should I pay it?

Apparently they have camera/radars and mail you ticket. 78 in 65 of major interstate (29). $100. Annoyingly just north in SD the same highway speed limit is 80. Looking up it is considered a civil penalty, not criminal. It isn't reported to driving agencies, insurance etc. Worst case if you don't p...
by CyclingDuo
Wed Dec 06, 2017 9:23 pm
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3525

Re: Does it look like a bubble to you?

This is a chart of the value of all stocks in all companies in all countries, globally. It is, technically, the market cap of Planet Earth, and everyone who sees it does a double take. In just the last few months, total market cap has rocketed past $80 trillion and is heading steadily toward $100 t...
by CyclingDuo
Wed Dec 06, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 10996

Re: After financial independence, do you lose motivation for work?

I am glad that you like your academic job. As I said before, I do not hate my job and I am doing my job satisfactorily. But, it is difficult to get motivated when (1) In the last 10 years, the presidents' salary quadrupled, excluding the bonus, while my salary rised 4.5% in total. I don't think we ...
by CyclingDuo
Wed Dec 06, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 10996

Re: After financial independence, do you lose motivation for work?

Only thing you can do is to become one of them aka climb the ladder to the top or be the one who employs them aka become their "boss". Yes. Faculty could apply for administrative positions. Unfortunately, you are like every other hundreds of millions of employees busting their tail off who see that...
by CyclingDuo
Wed Dec 06, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 166
Views: 8778

Re: One answer to the Dividend stocks puzzle from behavioral finance

naha66 wrote:
Wed Dec 06, 2017 10:27 am
Oh and by the way Vanguard touts Wellesley equity side "The fund’s stock holdings are focused on companies that have historically paid a larger-than-average dividend or that have expectations of increasing dividends."
Careful now, you're going to stir the pot again. 8-)
by CyclingDuo
Wed Dec 06, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 2962

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

Also, if I owned any stock in Berkshire, I might be a little annoyed about that $100 billion in cash they're sitting on that could be distributed to the stockholders. Just because Warren Buffet can't find anything good to buy right now doesn't mean the rest of BRB's shareholders can't. The $100B in...
by CyclingDuo
Wed Dec 06, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 10996

Re: After financial independence, do you lose motivation for work?

After achieving financial independence (FI), you know you have enough, do (did) you lose motivation for work? Even several years before FI, l lost ambitions in work. After FI, I seem to lose motivation for work. I don't care about my work anymore, although there are some changes at the school that ...
by CyclingDuo
Tue Dec 05, 2017 9:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Des Moines Iowa local chapter Revived
Replies: 9
Views: 1840

Re: Des Moines Iowa local chapter Revived

Feedback request: Potential Meeting at 2 PM on Sunday, December 17th. Location TBA, but several in mind.

Does that work for those who are interested? Format would be more informal to get acquainted for new members, and set some strategic meeting goals for 2018.
by CyclingDuo
Tue Dec 05, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 166
Views: 8778

Re: One answer to the Dividend stocks puzzle from behavioral finance

If the dividends are in taxable, to the extent that the dividends are in excess of the amount needed they are possibly a tax drag on performance or take up space in a tax bracket that might otherwise help with ACA/roth conversions/etc. And to the extent that the portfolio is designed by chasing div...
by CyclingDuo
Tue Dec 05, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 166
Views: 8778

Re: One answer to the Dividend stocks puzzle from behavioral finance

It's been fun to watch how he has built the portfolio with the initial $411,600 and how it is performing. Three years into it come the end of this month, the underlying equities are currently worth $545,986 and it is throwing off $31,160.58 annually in dividends. That withdrawal is more than 7% of ...
by CyclingDuo
Tue Dec 05, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 166
Views: 8778

Re: One answer to the Dividend stocks puzzle from behavioral finance

The dividend topic seems rather like the international investing one, with the matadors waving the red cape at the bulls and pulling it aside. Or something like that. George Schneider - who writes for Seeking Alpha and set up a Fill The Gap Portfolio at the end of December 2014 - has used matadors ...
by CyclingDuo
Sun Dec 03, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 29
Views: 3534

Re: Just downsized at age 60...input appreciated

Retiring came a year earlier than planned. Just found this tremendous site. Question from an unsophisticate: My brother is strongly recommending that my wife (age 54) and I pay 1% annually to a financial adviser to manage our $2 million nest egg of taxable investments and provide addl services (e.g...
by CyclingDuo
Sun Dec 03, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nesters, how did your finances change when the birds left the nest
Replies: 25
Views: 2283

Re: Empty nesters, how did your finances change when the birds left the nest

1. Your grocery bill goes down. This can be a big savings. :moneybag 2. Your water and sewer bill goes down. My kids all take loooooooog showers. :oops: 3. Your electricity bill goes down. 7. When they are finally out on their own and working, your medical bills go down. 8. Less car expenses as mil...
by CyclingDuo
Sun Dec 03, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8693

Re: Amount You Need To Save Annually Over Lifespan

Frankly I am surprised at the perceived difficulties in saving and investing, early and continuously, as expressed in the foregoing discussion. I doubt any of us should be surprised, as many young people (not to mention not so young) are living paycheck to paycheck, have overspent on housing, trans...
by CyclingDuo
Sat Dec 02, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: I soooo want to embrace the 3 fund portfolio, but...
Replies: 25
Views: 2862

Re: I soooo want to embrace the 3 fund portfolio, but...

Do I even worry about trying to time anything? I know that's not a Boglehead theory, but I'm talking about a substantial amount of investments... Plug all your information into Personal Capital. Run the retirement fee analyzer. It will show you exactly how much you are paying in fees, and how much ...
by CyclingDuo
Sat Dec 02, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 100
Views: 13505

Re: Reached 4M target. Taking money off table. Advice?

Please let me know your thoughts and any or all of what I write below. Today I met my first threshold. 4 million. I celebrated this by changing all dividends and cap gains of my vanguard funds to Vanguard's short term corporate bond index (VTCLX) Are these held in taxable or tax deferred? I have tw...
by CyclingDuo
Sat Dec 02, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8693

Re: Amount You Need To Save Annually Over Lifespan

Assuming you want $2M @ age 65: If you start saving for retirement at age 25 with zero debt, how much do you need to save on average using IRA/401k and Target Date Funds? Just a rough estimate. Assuming some people may save/make more as they get closer to retirement and buy a house when they are yo...
by CyclingDuo
Thu Nov 30, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10230

Re: Price of haircut?

Interested in what others on this forum spend. I'm 51, male, pay $50 plus $15 tip. That's on the upper end. Averages around $15-$25 for males where I live, plus tip. Worldwide prices are here for men and women: http://www.goodhousekeeping.com/beauty/hair/a36288/average-haircut-prices-around-the-wor...
by CyclingDuo
Thu Nov 30, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Generating earned income for young kids IRA
Replies: 18
Views: 1625

Re: Generating earned income for young kids IRA

Your post Thanks for that thoughtful reply. You are dead on about the time suck, low ROI on time and energy and lack of available options for work. I have no desire to completely rework my life or destroy their childhood to achieve the funding of an IRA. I just thought I would throw this out to see...
by CyclingDuo
Thu Nov 30, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Thankful for the Debt we Took - Should we Try Again?
Replies: 95
Views: 8880

Re: Thankful for the Debt we Took - Should we Try Again?

bottlecap wrote:

If the stock market goes to zero....


Fat chance that will happen...

Image by
by CyclingDuo
Thu Nov 30, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Generating earned income for young kids IRA
Replies: 18
Views: 1625

Re: Generating earned income for young kids IRA

I have been trying to find ways to fund my kid's IRAs. When they were infants I got them into baby modeling to generate earned income. Baby modeling is just as horrid a business as you would expect. It was a giant time suck and we ate all their taxes and expenses just to put the max they earned in ...
by CyclingDuo
Thu Nov 30, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Is the Market Expensive?
Replies: 18
Views: 1528

Re: Is the Market Expensive?

Greetings. I am close to retirement and have a mid six figures portfolio, and am currently about 75% in cash, the rest in REITs and BioTech all of which I plan to sell soon. My plan is to go to a simple 3 or 4 Vanguard Fund portfolio. When I see the P/E ratios of funds like VIT at around 23 with hu...
by CyclingDuo
Thu Nov 30, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: How to invest our extra income?
Replies: 12
Views: 829

Re: How to invest our extra income?

Hello fellow Bogleheads! We have an investing dilemma. Here's our situation: We have a $45k emergency fund in our bank account and we fully maximize our retirement accounts every year (403b, 457b, Roth 401k, backdoor Roth IRAs and HSA). In the beginning of the year we front load our backdoor Roth I...
by CyclingDuo
Wed Nov 29, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1154

Re: Fido broken?

oldcomputerguy wrote:
Wed Nov 29, 2017 11:56 am
CyclingDuo wrote:
Wed Nov 29, 2017 11:54 am
It's back up and working.
Nope. At least not for me. Both fidelity.com and netbenefits.com down.
It worked for a few minutes. :annoyed
by CyclingDuo
Wed Nov 29, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Fido broken?
Replies: 20
Views: 1154

Re: Fido broken?

It's back up and working.
by CyclingDuo
Mon Nov 27, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another can I afford this house post- please weigh in
Replies: 27
Views: 2655

Re: Yet another can I afford this house post- please weigh in

I think the OP can easily afford it. The OP could afford to pay cash for the house and still retain around 1million in non housing liquid assets. As a single person in her 30s that is the very definition of being able to afford the house!! Okay, run the numbers for the OP to show her (and all of us...
by CyclingDuo
Sun Nov 26, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another can I afford this house post- please weigh in
Replies: 27
Views: 2655

Re: Yet another can I afford this house post- please weigh in

Hello! I am a long-time lurker, first time poster and would appreciate BH opinions on whether I can afford to purchase a 760K home. Relevant info: - mid 30s single, do not want kids. - live in a high cost of living area and currently renting a 2 bedroom apartment- my share of the rent is $1,300/mon...
by CyclingDuo
Sun Nov 26, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: May reach critical mass soon, how do I protect what I have?
Replies: 26
Views: 3161

Re: May reach critical mass soon, how do I protect what I have?

Dottie57 wrote:
Sun Nov 26, 2017 7:30 pm
I have dialed back to a 50/50 allergy cation. I sleep well at night.
Gesundheit!
by CyclingDuo
Sun Nov 26, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pay this off now or not?
Replies: 33
Views: 2517

Re: Pay this off now or not?

If homes are not an investment there's no way that he can take this 'additional' potential value and use it to something else. Thats because it doesn't exist. In essence, the premise of Edelman and others who suggest the arbitrage method by utilizing the big and long 30 year larger mortgage, is tha...
by CyclingDuo
Sun Nov 26, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 4859

Re: if you could use only 1 investment firm...

I currently use VG, Fido, Schwab and TDAmeritrade. With the year-end coming upon us, I am very seriously considering pairing back from 4 firms to just one (or maybe 2). Keeping track of 4 joint accounts and 2 IRA's is getting to be a real PIA. If I was going to use only ETF's or mutual funds, I wou...
by CyclingDuo
Sun Nov 26, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Newbie Seeks Taxable Investment Account Help
Replies: 36
Views: 1778

Re: Newbie Seeks Taxable Investment Account Help

So for the roughly $1,000 I have to invest every month, would you suggest the VTSAX once I have $10k for the admiral shares? Yes. I would skip worrying about the different class shares and just buy the VTI ETF's in your Vanguard Brokerage account (same ER fee as Admiral) and turn on the DRIP's func...
by CyclingDuo
Sat Nov 25, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: First Mortgage Payment - WWBHD? [What Would a BogleHead Do]
Replies: 15
Views: 1499

Re: First Mortgage Payment - WWBHD? [What Would a BogleHead Do]

$200,000 mortgage 30-year 3.875% $940/month(P&I) My first payment will be coming due soon. the lender overestimated closing costs originally and I will be getting an extra $4K (~$19k total back) than I had planned. Playing with the amortization schedule, If I pay $3940 for the first payment that kn...
by CyclingDuo
Sat Nov 25, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Pay this off now or not?
Replies: 33
Views: 2517

Re: Pay this off now or not?

I appreciate the detailed explanation but it still does not deal with the elephant in the room. The assumption that the home itself is worth the 100k more. What happens if theres a downturn in the local economy and he wants to sell? Will he able to get the price at the higher value in such a short ...
by CyclingDuo
Sat Nov 25, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie Seeks Taxable Investment Account Help
Replies: 36
Views: 1778

Re: Newbie Seeks Taxable Investment Account Help

$1500 a month alone works out to $54,000 of principal you will save in 3 years, or up to $90,000 5 years out. What kind of car are you planning on buying? :shock: Sorry, I replied above but realized I should have quoted you. We are not spending that kind of money on a car! Hard limit is $25K or $41...