Search found 3068 matches

by CyclingDuo
Mon May 25, 2020 4:47 pm
Forum: Personal Investments
Topic: Air conditioner stocks
Replies: 17
Views: 906

Re: Air conditioner stocks

I know, I know, I'm a 3-fund portfolio holder, too, with small-cap value tilt (and I have a tilt on a couple of tech stocks due to RSUs of companies I worked for, which is treating me well). So, based on the info above, please take a break from Bogle-"heads" (which I'm one of), and think outside a ...
by CyclingDuo
Mon May 25, 2020 8:30 am
Forum: Investing - Theory, News & General
Topic: Order of investing accounts, what to do when getting to brokerage?
Replies: 10
Views: 638

Re: Order of investing accounts, what to do when getting to brokerage?

What is the proper order of investing accounts to maximize gains and reduce taxes? Max Out... 401K Roth IRA HSA Then...? Brokerage Once you get to brokerage is there a way to avoid 1099's and pay less taxes? Do you have plans/goals to FIRE? Do you have shorter term and intermediate term investing g...
by CyclingDuo
Mon May 25, 2020 7:55 am
Forum: Investing - Theory, News & General
Topic: Jeremiah B. says to buy gold and silver
Replies: 29
Views: 1427

Re: Jeremiah B. says to buy gold and silver

Maybe stocks won’t crash 90% like in the Great Depression however when there are hard facts and the dominos are beginning to fall and the fed trying to increase lending programs and buying everything and we have 40 million unemployed and continuing to grow and when the economy comes back it will be...
by CyclingDuo
Mon May 25, 2020 7:40 am
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 70
Views: 5345

Re: Examples of why NOT to hold individual stocks

That's all true whether you work for Apple, Microsoft, Google, Intel, etc... . Do you not worry about the lack of owning a more diverse cross section of domestic and international businesses (such as a stake in every company as a shareholder)? If both your salary and your investments are all tied u...
by CyclingDuo
Sun May 24, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4349

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

If you filed married, jointly, do both people get a separately mailed card, or just the head of household? My spouse got this mailing, but is out of town, unreachable by phone, and I don't know if I should open it to see if my name is on the card also. Both our names were on the actual card inside ...
by CyclingDuo
Sun May 24, 2020 11:04 am
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 70
Views: 5345

Re: Examples of why NOT to hold individual stocks

I think they are all winners, congrats! I especially respect how NVDA reinvented themselves, transforming a company making graphics cards to one focusing on GPUs and processors to one on data centers and specialty tasks like AI. BRK.B itself is diverse, and AAPL and FB are profit machines. I too am...
by CyclingDuo
Sun May 24, 2020 5:56 am
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 70
Views: 5345

Re: Examples of why NOT to hold individual stocks

We tell people not to hold a lot of individual stock because it is too risky. Some of them hear the words without getting the message. I'm hoping the people here will add to this thread and develop a list of seemingly "good investments" that have had the bottom fall out since being perfectly fine a...
by CyclingDuo
Sun May 24, 2020 5:55 am
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 70
Views: 5345

Re: Examples of why NOT to hold individual stocks

Occidental Petroleum (OXY) - made a deal with Warren Buffett, in exchange for $10 billion in cash they gave WB convertible preferred stock with an 8% coupon and the right to acquire 80 million shares at a strike price of $62.50 a share. The company had the right at it's option to pay the dividend i...
by CyclingDuo
Sun May 24, 2020 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4349

Re: Something Fishy Here??

Anyone get a card with the wrong last name? My last name is diff than my spouse's - but we've filed the last 20 years of tax returns using both our full names - never been an issue before. Never changed anything that would confuse IRS. Now this card arrived with his first name and my last name. Sho...
by CyclingDuo
Sat May 23, 2020 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 107
Views: 9733

Re: Approaching 40, worried about financial future

I am about to turn 40 in a year or so. Recently I have become ever more worried about my/our future. I earn about $83,000. My retirement accounts are about $111,000. I am for 67/33 stock and bond approach. We are a family of 5 (3 kids). My partner does not work. I currently save about 8.7% of gross...
by CyclingDuo
Sat May 23, 2020 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 299
Views: 20013

Re: The axe falls and I am prepared. What's next?

KlangFool, the numbers seem good to me -- congrats on your success! Two things tho -- are you sure you can get unemployment insurance while receiving severance pay? And is your wife fine working for the next decade (?) for the health insurance benefits? ThankYouJack, <<Two things tho -- are you sur...
by CyclingDuo
Sat May 23, 2020 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 299
Views: 20013

Re: The axe falls and I am prepared. What's next?

Both of my kids graduated from college and had found jobs. My daughter just graduated a few weeks ago. Mazeltov! Well, there you go. It seems to solely come down to your second question. B) Under what non-financial condition, would you go back to work? If you want to work after June for a non-finan...
by CyclingDuo
Sat May 23, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 299
Views: 20013

Re: The axe falls and I am prepared. What's next?

Folks, I am asking two separate questions: A) Under what financial condition, it is rewarding for me to take on part-time project work. At this moment, it looks like anything less than $90 per hour is not worthwhile. B) Under what non-financial condition, would you go back to work? KlangFool Condol...
by CyclingDuo
Fri May 22, 2020 5:23 pm
Forum: Personal Investments
Topic: How to invest Inherited IRA
Replies: 12
Views: 582

Re: How to invest Inherited IRA

I just inherited an IRA from an uncle who recently passed away. I have about $50,000 in it, and I'm wondering what the best way to invest this would be. My husband and I have an AGI of about $190,000, so we are right on the cusp of the 22-24 percent tax brackets. Since we have to have it emptied in...
by CyclingDuo
Fri May 22, 2020 5:11 pm
Forum: Personal Investments
Topic: 3 Fund Portfolio outside of work retirement plan?
Replies: 5
Views: 387

Re: 3 Fund Portfolio outside of work retirement plan?

If I'm set at work with TSP L2040 and contributing max, would it be redundant for a three fund portfolio outside of TSP, at Merrill Edge: VOO, VXUS, BND? Not at all. As mentioned above, beyond your retirement tax advantaged account, there is the Roth IRA and the taxable account to invest in which c...
by CyclingDuo
Fri May 22, 2020 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5568

Re: Employer cut 403b contribution to zero

pennywise wrote:
Fri May 22, 2020 8:42 am
What's the old saying about crisis being another word for opportunity?
Yes. That's à propos.

:beer
by CyclingDuo
Thu May 21, 2020 1:12 pm
Forum: Personal Investments
Topic: Portfolio Review (first time): 31 & hoping to finally take control of finances
Replies: 29
Views: 1475

Re: Portfolio Review (first time): 31 & hoping to finally take control of finances

Cranberry44 wrote:
Thu May 21, 2020 12:53 pm
However, would paying off student loan debt be a good cause to sell from the taxable account?
Usually always is if you ask yourself this question "Would I borrow money to invest in the stock market?".
by CyclingDuo
Thu May 21, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5568

Re: Employer cut 403b contribution to zero

Speaking from experience, it's a good time to start building a diverse list of option B's... This is very good advice, although I prefer to call this planning for "Option I's", where the I stands for iteration, imaginary, irrational, and infinite. It's a little bit of a math and computer science jo...
by CyclingDuo
Thu May 21, 2020 12:30 pm
Forum: Personal Investments
Topic: Portfolio Review (first time): 31 & hoping to finally take control of finances
Replies: 29
Views: 1475

Re: Portfolio Review (first time): 31 & hoping to finally take control of finances

Emergency funds : Working on it. I have about 1.5 months expenses in a savings account at a local bank (0.01% interest) that I’m hoping to move to a high yield account at some point soon. I also have $12,000 in contributions in Roth IRA. Debt : Student Loan Debt: $6,940 at 6.25% interest — Repaymen...
by CyclingDuo
Thu May 21, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Student debt vs investing
Replies: 37
Views: 1956

Re: Student debt vs investing

i would always pay of all debt before investing. i know you can play percentage game, but thats what i would do. This I know people don't like to hear it, but you appear to have a negative net worth. Correct me if I am wrong. If I am wrong, that means you have money somewhere and should be getting ...
by CyclingDuo
Thu May 21, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5568

Re: Employer cut 403b contribution to zero

Speaking from experience, it's a good time to start building a diverse list of option B's... This is very good advice, although I prefer to call this planning for "Option I's", where the I stands for iteration, imaginary, irrational, and infinite. It's a little bit of a math and computer science jo...
by CyclingDuo
Thu May 21, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: Efficiency or resiliency in investing, business, personal finance, etc.
Replies: 83
Views: 3485

Re: Efficiency or resiliency in investing, business, personal finance, etc.

The recent downturn has made it clear that many consumers, small businesses, and even large corporations were set up to be efficient and not resilient. I've heard of many stories of landlords, for instance, who are at risk of foreclosure if they miss a couple of months of rent on their properties. ...
by CyclingDuo
Thu May 21, 2020 9:51 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63038

Re: So bottom is probably behind us....right?

Here was a guys who thought equities were going to zero. Lots of follow-up posts where he expected a depression, several people agreed with him I've decided to sell 100% of my stocks in all investment accounts to preserve 2016 gains, and to prevent an irrecoverable loss in hard earned savings. This...
by CyclingDuo
Thu May 21, 2020 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5568

Re: Employer cut 403b contribution to zero

Hello Bogleheads. Today, my employer - a research-one university - announced that for the coming fiscal year, there would be no employer contributions to our 403b plans. My contribution has been close to 10k a year. I have maxed my own contributions for the last 14 years. I am 43 and think it very ...
by CyclingDuo
Wed May 20, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: At 30, what are some key financial milestones I should have hit?
Replies: 51
Views: 4272

Re: At 30, what are some key financial milestones I should have hit?

I am turning 30 soon. Are there any big boglehead financial milestones I should have hit by age 30? Good starting point if you are saving 15% of your income, plan to retire at FRA, take SS at FRA and live until 93 says you should have saved 1 X your salary by age 30. It's only a starting point and ...
by CyclingDuo
Wed May 20, 2020 6:04 pm
Forum: Personal Investments
Topic: Purchase airline stock?
Replies: 32
Views: 2108

Re: Purchase airline stock?

What about now? Is now a good time to buy airline stock? Prices have come down quite a bit in the last 6 weeks. They still have their planes and travel will bounce back at some point, right? Planes and airports don’t disappear? All of us who own index funds already own all of the airline stocks. :b...
by CyclingDuo
Wed May 20, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Student debt vs investing
Replies: 37
Views: 1956

Re: Student debt vs investing

If it were me, I would throw the extra $500 going to your ER fund and the $1400 going to your HSA/IRA at the student loan debt along with the current $5K per month. You'll be done with it in two years time and the debt boat anchor will be removed from your necks. Strongly disagree on the HSA, which...
by CyclingDuo
Wed May 20, 2020 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Student debt vs investing
Replies: 37
Views: 1956

Re: Student debt vs investing

Hi there! First-time poster here, although I've been lurking on and off for a while. My wife and I are having to rework our budget after a (hopefully temporary) pay cut due to Covid-19, so I thought I would ask for the Boglehead community's advice on my constant internal debate on how to balance pa...
by CyclingDuo
Tue May 19, 2020 2:38 pm
Forum: Personal Investments
Topic: Why No Roth 403b Option?
Replies: 9
Views: 501

Re: Why No Roth 403b Option?

Thanks for the reply, CyclingDuo. In Virginia I pay into the Virginia Retirement System and also qualify for Social Security benefits. I do currently max out my Roth IRA, too, but that's limited to $6000 per year. I'm sure I'll be in better shape than most, considering many teachers I know don't in...
by CyclingDuo
Tue May 19, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Guidelines
Replies: 7
Views: 1010

Re: Retirement Guidelines

Hello all, I’m 30 and spouse is 26 and I’m having an issue figuring out if we are “on track” based on the fidelity you need 1x salary by 30 2x by 35 etc. When looking at it should I be using the highest age and using the household income or should I break it out by individual? Right now we make abo...
by CyclingDuo
Tue May 19, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5684

Re: Social Security is an asset....yet again

fatcoffeedrinker wrote:
Tue May 19, 2020 9:39 am
Thanks. I just like to cut through the meaningless semantics and drill down on the practical effects.
:beer
by CyclingDuo
Tue May 19, 2020 9:37 am
Forum: Personal Investments
Topic: Why No Roth 403b Option?
Replies: 9
Views: 501

Re: Why No Roth 403b Option?

Thank you both for your thorough explanations. Looks like I'm running into a wall with my employer on offering a Roth option. As a teacher, I'm in a pretty low tax bracket and likely will continue to be, so I don't think there's a huge difference on my end from paying the taxes now or in 30 years. ...
by CyclingDuo
Tue May 19, 2020 9:18 am
Forum: Investing - Theory, News & General
Topic: Social Security is an asset....yet again
Replies: 129
Views: 5684

Re: Social Security is an asset....yet again

See this: https://www.washingtonpost.com/business/2020/05/14/thanks-social-security-you-are-probably-better-shape-retirement-than-you-think/ The author has one glaring error in the article (which he is correcting), stating "I’m also not assigning any value to the favorable tax treatment that Social...
by CyclingDuo
Tue May 19, 2020 7:55 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15400

Re: Ben Felix - How to Retire Early (The 4% Rule)

Young people at early stages of their career cannot contribute per year anywhere close to a retiree's annual living expense. Of course the numbers of relative age cohorts matters, but what really matters is the total amount contributed vs. the amount withdrawn. Considering, with regard to Boomers, ...
by CyclingDuo
Mon May 18, 2020 4:22 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2734

Re: Dividend vs Total Return question

An important characteristic is tax timing. With a dividend stock, when dividend time comes, you get the dividend paid and you have no choice on that. You owe tax. Whether you're in a low tax bracket or high tax bracket, the dividends are taxable. With a non dividend paying stock, you can choose to ...
by CyclingDuo
Mon May 18, 2020 10:22 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15400

Re: Ben Felix - How to Retire Early (The 4% Rule)

... snip ... Correct. It appeared in the data for the first time starting in July of 2019. Gen X population is projected to pass Boomers by 2028 as more deaths occur. https://www.pewresearch.org/fact-tank/2020/04/28/millennials-overtake-baby-boomers-as-americas-largest-generation/ Millennials, whom...
by CyclingDuo
Sun May 17, 2020 10:08 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2734

Re: Dividend vs Total Return question

I changed the question to owning one stock,ATT ,a few posts back to eliminate the confusion of owning different things.I really am interested in the answer if someone has one. Thanks We already answered your question. All things equal, total return/selling your own shares wins (dividends lose you m...
by CyclingDuo
Sun May 17, 2020 8:07 pm
Forum: Personal Investments
Topic: Target Retirement Fund in a Taxable Account
Replies: 13
Views: 966

Re: Target Retirement Fund in a Taxable Account

Hello, I don't have any other accounts other than a taxable account and this is where I am saving up for the future. I'm currently investing in the Vanguard Target Retirement Fund 2050. As I've been doing research, I'm getting the sense that this might not be the wisest thing to do because of tax i...
by CyclingDuo
Sun May 17, 2020 5:46 pm
Forum: Personal Investments
Topic: Target Retirement Fund in a Taxable Account
Replies: 13
Views: 966

Re: Target Retirement Fund in a Taxable Account

Hello, I don't have any other accounts other than a taxable account and this is where I am saving up for the future. I'm currently investing in the Vanguard Target Retirement Fund 2050. As I've been doing research, I'm getting the sense that this might not be the wisest thing to do because of tax i...
by CyclingDuo
Sun May 17, 2020 4:04 pm
Forum: Personal Investments
Topic: Target Retirement Fund in a Taxable Account
Replies: 13
Views: 966

Re: Target Retirement Fund in a Taxable Account

Hello, I don't have any other accounts other than a taxable account and this is where I am saving up for the future. I'm currently investing in the Vanguard Target Retirement Fund 2050. As I've been doing research, I'm getting the sense that this might not be the wisest thing to do because of tax i...
by CyclingDuo
Sun May 17, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6582

Re: Spending habits during the great lock-up

I finally got around to filling out my "spend" spreadsheet for the start of the year. I knew we had been spending less, but was blown away: our total spend Jan-April YoY is down 40% (excludes savings and charitable giving, both of which went up). In the Netherlands, we get a subsidy for having a ch...
by CyclingDuo
Sun May 17, 2020 2:57 pm
Forum: Personal Investments
Topic: Should a regular investor pump in more money on ETF during this time?
Replies: 14
Views: 957

Re: Should a regular investor pump in more money on ETF during this time?

I have been a regular investor making bi-weekly contributions towards his Roth IRA. Now, if i have some more cash to invest, should i be pumping in more money than my regular investment to buy ETF shares during this time(bear market) considering I have the following build up in my portfolio:? I und...
by CyclingDuo
Sun May 17, 2020 2:43 pm
Forum: Personal Investments
Topic: Investment questions - starting late
Replies: 10
Views: 708

Re: Investment questions - starting late

Hi everyone, I’m a first-time poster but I’ve been lurking and reading here for a while. I’m currently going through a divorce, and I find myself taking over my personal finances and investing for the first time. I’ve been reading and studying as much as I can, but I know I still have so much to le...
by CyclingDuo
Sun May 17, 2020 2:32 pm
Forum: Personal Investments
Topic: First Post - Portfolio Advice
Replies: 11
Views: 665

Re: First Post - Portfolio Advice

Tax Filing Status: Single State of Residence: CA, HCOL Age: 29 Salary: $120k + bonus (10-15%) Emergency funds: 6 months Debt: Mortgage of $400k, 30 years @ 2.99% (brand new refi), home value $515k Portfolio size: $166,900 Desired Asset allocation: 100% S&P 500 Index Fund Portfolio Traditional IRA (...
by CyclingDuo
Sun May 17, 2020 8:02 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15400

Re: Ben Felix - How to Retire Early (The 4% Rule)

2. What people did with money withdrawn from the stock market in years past is completely irrelevant. Point is that if people were withdrawing en masse from the stock market to fund their retirement, historic returns would have been lower. You're overlooking the fact that in order for people in tim...
by CyclingDuo
Sat May 16, 2020 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Inheriting an inherited IRA (non-spouse)
Replies: 8
Views: 813

Re: Inheriting an inherited IRA (non-spouse)

I recently inherited an inherited IRA and I am having a difficult time understanding the distribution rules. The original IRA owner (my aunt) died in 2017 at the age of 69 and my father inherited the account. My father took RMD for the account in 2018 and 2019. My father passed away in early 2020 a...
by CyclingDuo
Thu May 14, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18785
Views: 2626430

Re: U.S. stocks in free fall

Looking forward to the decline in equities. SPX 1800 is when I jump back in. No charting magic here -- just have an ability to realise that [MACRO, non-noise] bad = down and good = up Sorry, but the data tells a different story than the narrative, and for all the aphorisms and boomer-isms thrown ab...
by CyclingDuo
Wed May 13, 2020 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Companies that have a pension and 401k?
Replies: 63
Views: 3426

Re: Companies that have a pension and 401k?

Are there any companies that offer both a pension and a 401K plan to its employees? Most state employees have a mandatory pension (defined benefit plan) where the employee pays a percentage out of every paycheck and the employer pays a certain percentage as well. On top of that, these employees usu...
by CyclingDuo
Wed May 13, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Companies that have a pension and 401k?
Replies: 63
Views: 3426

Re: Companies that have a pension and 401k?

Are there any companies that offer both a pension and a 401K plan to its employees? Most state employees have a mandatory pension (defined benefit plan) where the employee pays a percentage out of every paycheck and the employer pays a certain percentage as well. On top of that, these employees usu...
by CyclingDuo
Wed May 13, 2020 10:01 am
Forum: Investing - Theory, News & General
Topic: Experts say now is not the time to buy into index fund
Replies: 38
Views: 4509

Re: Experts say now is not the time to buy into index fund

You named one of those experts as Mohammed El-Erian. So go and check. Has there ever been a time when it said it was the time to buy index funds? It seems unlikely. Why? Because from 2007-2014 he was CEO of PIMCO, and now is a top executive of the company that owns PIMCO. PIMCO is a mutual fund com...