Search found 3381 matches

by aristotelian
Wed Jan 17, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Bond investing for a very long retirement?
Replies: 19
Views: 1096

Re: Bond investing for a very long retirement?

I think if you are going to have a 60-year retirement, the best strategy is lower your SWR. Assume 3% not 4%. No one can predict future markets. The only thing that you can control is your spending. I wouldn't want ALL my risk in equities when I've got no income. And healthcare costs could be a HUG...
by aristotelian
Wed Jan 17, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Let's hear (or see) your budget tools
Replies: 4
Views: 468

Re: Let's hear (or see) your budget tools

We do track our spending in certain categories, but we don't budget in the sense of setting hard limits. For me it just wasn't useful because we would go over, but the expense was a necessary expense, so we would have to adjust the budget. It could also have the perverse effect of "allowing" us to s...
by aristotelian
Wed Jan 17, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 14
Views: 485

Re: How will or might nonprofits be affected by tax law changes?

Yes, people are going to have less incentive to give in 2018 now that they are already getting the standard deduction up to $24K for couples. People who wanted to get the extra deduction made larger year end contributions in 2017. That is probably not going to continue, and in fact I would anticipat...
by aristotelian
Wed Jan 17, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) vs Traditional 401(k) contributions in 2018
Replies: 8
Views: 467

Re: Roth 401(k) vs Traditional 401(k) contributions in 2018

What will be your tax rate in retirement? If you are going to be in the same bracket in retirement, then it makes sense to expand your Roth space as much as possible. If you retire early with low expenses, you may be able to pull your money and convert to Roth at as low as 0% tax. In that case, stic...
by aristotelian
Wed Jan 17, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to try to time the I-Bond market?
Replies: 9
Views: 735

Re: Is it reasonable to try to time the I-Bond market?

You might get the better rate by timing it, but then you have money out of market (or in something that might lose money) while you are waiting. Over the long haul, do you really care how much your $10k earned during the first 3 months or 6 months? I do think it's worth it to wait if the fixed rate ...
by aristotelian
Wed Jan 17, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Book Suggestions
Replies: 11
Views: 628

Re: Book Suggestions

Plato, Republic
Seneca, Moral Letters to Lucilius
Rousseau, Discourse on the Arts and Sciences and Discourse on the Origin of Inequality
by aristotelian
Wed Jan 17, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Is a Stable Value fund just a Variable Annuity?
Replies: 12
Views: 707

Re: Is a Stable Value fund just a Variable Annuity?

Stable value doesn't guarantee stable yield, does it?
by aristotelian
Tue Jan 16, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets equities went sideways for 50 years 1920-70
Replies: 24
Views: 1938

Re: Emerging Markets equities went sideways for 50 years 1920-70

Back in the early 1900s, they weren't "emerging", they were just "poor".
by aristotelian
Tue Jan 16, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: health equity HSA
Replies: 8
Views: 1248

Re: health equity HSA

What are you asking? You either have to pay the fees or transfer the funds to another company with a cost structure that works for you. Lively appears to be the cheapest out there, $30 annually with TD Ameritrade brokerage platform.
by aristotelian
Tue Jan 16, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Can We Retire in Hawaii? Please Critique
Replies: 90
Views: 7085

Re: Can We Retire in Hawaii? Please Critique

retire in Dallas (really??? I live just south of Dallas now; it's awful), what will I do all day I always find it semi-amusing when people recommend moving to a low-cost area instead of answering the questions being asked about a high-cost area but you have to admit that suggesting Tennessee or Tex...
by aristotelian
Tue Jan 16, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes/Investing/Early Retirement - Mid 30 y.o.
Replies: 2
Views: 470

Re: Taxes/Investing/Early Retirement - Mid 30 y.o.

You can get more money in the Roth by making it Traditional. :D :D :)

Yes, Solo 401k would be good for the business income.
by aristotelian
Tue Jan 16, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 153
Views: 17297

Re: TurboTax Prices

How does Freetaxusa make money? Is it just a charitable venture for humanity? I will stick with Turbotax Not sure if that is a rhetorical question but they do charge $13 for state. All you need is 1% of people to pay that fee and it could easily turn a profit since it is basically a spreadsheet wit...
by aristotelian
Tue Jan 16, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 153
Views: 17297

Re: TurboTax Prices

Freetaxusa does schedule c and d and lives up to it's name. Only downsides are the platform is online and does not import brokerage data. I've inputted my data on TurboTax and freetaxusa and get identical numbers. I'm not sure why freetaxusa doesn't get more love from bogleheads. Manually inputting...
by aristotelian
Mon Jan 15, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 93
Views: 4907

Re: Looking for a reasonably priced, safe international destination

+1 for Costa Rica. Also had a great time in Mexico (Yucutan near Cancun) although Mexico is less safe.
by aristotelian
Mon Jan 15, 2018 10:40 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 185
Views: 16349

Re: Why Buy Bonds If You Have A Mortgage?

Do you remember 2008/2009 recession? Aka, the house price drop by 50% in many places. The difference of 2 years is significant in a recession. This is on top of your main portfolio. I know I can last 5 years without selling my stock in a recession. Many folks will not survive or suffer the permanen...
by aristotelian
Mon Jan 15, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 185
Views: 16349

Re: Why Buy Bonds If You Have A Mortgage?

For B, you can last 3.5 years, but you have a bigger mortgage at the end. A only owes the bank $150K when he runs out of money. B still owes maybe $275K. If you lose your job in a recession, it doesn't matter to me whether you have to sell the house in 1.5 years or 3.5 years. It is true that B can ...
by aristotelian
Mon Jan 15, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1427

Re: FlipPhone

I have the next best thing. A Blu R1 HD that I got for only $59 on Amazon Prime special. You can have a smartphone without spending $1K+ on a new iPhone.
by aristotelian
Mon Jan 15, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 185
Views: 16349

Re: Why Buy Bonds If You Have A Mortgage?

I have a 400K house with a 300K mortgage. So, it is between A) 180K 100% stock with 120K mortgage which does not change my mortgage payment unless I recast the loan B) 300K 60/40 portfolio with the 300K mortgage. In a recession, the stock crash 50% and the bond stay flat. My annual expense is 60K p...
by aristotelian
Mon Jan 15, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: the blockchain effect
Replies: 5
Views: 665

Re: the blockchain effect

One has to wonder if there are some robo-traders out there with instant buy orders on anything having to do with blockchain. Seriously.
by aristotelian
Mon Jan 15, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 44
Views: 3202

Re: Understanding the Great Recession Impact

Most people at the time had most of their wealth in real estate, including their personal residence. Millions of people went underwater and then lost their job at the same time. They were truly wiped out. I was fortunate to have been a renter most of my life up to that point with wealth in equities....
by aristotelian
Sun Jan 14, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: neighborhood advice for Prague, Vienna, Budapest, and Athens
Replies: 11
Views: 605

Re: neighborhood advice for Prague, Vienna, Budapest, and Athens

Are you sure you want to stay in Athens? There are some amazing islands and villages around the country that are incredibly nice.
by aristotelian
Sun Jan 14, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: More Funds More Rebalancing Opportunities?
Replies: 14
Views: 719

Re: More Funds More Rebalancing Opportunities?

The one benefit I see of more funds would be tax loss harvesting opportunities. I doubt rebalancing from one stock fund to another will have much effect.
by aristotelian
Sun Jan 14, 2018 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Are there any situations where you don’t max retirement opportunities?
Replies: 16
Views: 1939

Re: Are there any situations where you don’t max retirement opportunities?

Historically we have been in the 25 or 28 percent bracket with no state income taxes. We would not buy her a new car. Probably low mileage used, maybe like a used Camry. I’d like for the car to be safe. This is all dependent on her eventually getting her license which isn’t a given at this rate. I ...
by aristotelian
Sat Jan 13, 2018 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any situations where you don’t max retirement opportunities?
Replies: 16
Views: 1939

Re: Are there any situations where you don’t max retirement opportunities?

What is your tax bracket? The higher your bracket, the more valuable your retirement accounts. Do you want/plan to retire early? If so, you are giving up a massive tax benefit by not contributing to the 401k because you will have a long window with low taxable income. Can you give daughter a beater ...
by aristotelian
Sat Jan 13, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Renting in NYC for a new college grad. Best practices?
Replies: 23
Views: 1855

Re: Renting in NYC for a new college grad. Best practices?

Have a lot of money saved up. You have to go through agencies, and they charge their own fee on top of security and first months rent.
by aristotelian
Sat Jan 13, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Question
Replies: 14
Views: 2754

Re: Early Retirement Question

Roth conversion ladder would be a more flexible alternative than SEPP. However, you need to have 5 years of expenses already in Roth or taxable. Do you have any Roth IRA funds or is it all Traditional?
by aristotelian
Sat Jan 13, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1671

Re: wireless dead again - router suggestions?

I just use whatever AT&T gives me. When they die, I call and complain and get a new one for free.
by aristotelian
Sat Jan 13, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k)-Contributing ALL net income?
Replies: 11
Views: 964

Re: Solo 401(k)-Contributing ALL net income?

I don't know if it's a red flag or not in terms of increasing chance of audit, but it is allowed.
by aristotelian
Sat Jan 13, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 43
Views: 3554

Re: Energy sector time to turn around?

I was thinking of buying an energy sector ETF with a bit of play money, for what it's worth. Seems like it may have bottomed out, but you never know.

Does anyone know of an energy ETF that contains alternatives? VDE apparently only has fossil fuel stocks, as far as I can tell.
by aristotelian
Sat Jan 13, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Schwab help - mutual fund vs ETF vs ThomasPartners Balanced Income - overwhelmed!
Replies: 18
Views: 843

Re: Schwab help - mutual fund vs ETF vs ThomasPartners Balanced Income - overwhelmed!

Schwab definitely has better selection in the ETF space. The big funds such as SCHB have enough action that you can place market orders with little risk of getting caught by a big bid/ask spread. The price you see at any point in time is what you will get within a cent or two. If it makes you nervou...
by aristotelian
Sat Jan 13, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Inherited retirement
Replies: 8
Views: 1527

Re: Inherited retirement

OP, it would be good to know your tax bracket. Generally you want to take RMDs, since you can always take more later. If you are in a low tax bracket, there would be little downside to cashing out now if you can use the cash, but RMDs would ensure the money would come out at the lowest rate, then yo...
by aristotelian
Fri Jan 12, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Do bonds generally go up when the stock market crashes?
Replies: 27
Views: 1460

Re: Do bonds generally go up when the stock market crashes?

a) The Vanguard Total Bond Market Index Fund basically stayed flat during 2008-2009. Which seemed pretty good. But it was flat, it didn't go up. b) There is a feeling, and I give some credence, to the idea that Treasuries go up a bit when the stock market crash--but if we are talking about the kind...
by aristotelian
Fri Jan 12, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 52
Views: 4653

Re: Getting your spouse on the same page

My wife doesn't want to be involved in research or the day to day managing of accounts, but we are on the same page more or less when it comes to goals and spending. If we are having a conflict, I try not to approach it "getting my spouse on the same page" or "convincing" etc. People don't like to b...
by aristotelian
Fri Jan 12, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4396

Re: Help me stop my addiction to stock market peeping!

It's so much fun when the market goes up every day.
by aristotelian
Fri Jan 12, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: When the Fed stops what do you do?
Replies: 17
Views: 2310

Re: When the Fed stops what do you do?

Have watched the Fed closely for years, I believe they will continue on their program of Fed funds rate rises until they hit 3.0% in 2020. Thinking ahead while also looking back at the last decade’s low interest rate environment, I am considering the following investment strategy change to enjoy an...
by aristotelian
Fri Jan 12, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: 4% Withdrawal vs Yield as Income
Replies: 41
Views: 2102

Re: 4% Withdrawal vs Yield as Income

Thanks for the quick replies. Yes I get all of the above, but what I am talking about and is often overlooked on the forum is that an index like VTSAX also offers a dividend yield of 1.75% currently. This div yield actually goes up in-times of crisis due to companies wanting to attract investors. S...
by aristotelian
Fri Jan 12, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4338

Re: Almost a pathological fear of debt, to my detriment?

Do you have a mortgage? That is probably the biggest way you can safely leverage debt. Unless you plan to go back to college, anything else is too short term and likely high interest, so using debt to invest could easily backfire. I would just enjoy the debt free lifestyle. Sure, you could churn 0% ...
by aristotelian
Fri Jan 12, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: When the Fed stops what do you do?
Replies: 17
Views: 2310

Re: When the Fed stops what do you do?

Have watched the Fed closely for years, I believe they will continue on their program of Fed funds rate rises until they hit 3.0% in 2020. Thinking ahead while also looking back at the last decade’s low interest rate environment, I am considering the following investment strategy change to enjoy an...
by aristotelian
Fri Jan 12, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Shares Are Wildly Overpriced. But Bonds May Be Even Worse
Replies: 34
Views: 5246

Re: Shares Are Wildly Overpriced. But Bonds May Be Even Worse

I go back and forth between 100/0 and 0/100 on a daily basis based on the first article I read with my morning coffee.
by aristotelian
Fri Jan 12, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in 2018 and bonds
Replies: 9
Views: 544

Re: Rebalancing in 2018 and bonds

Right off the bat, before the capital gains become a problem, get rid of: IGOV - not tax efficient. COMT and PDBC - not enough allocation to do anything significant for you, and debatable on the merits. Use the cash to increase MUB. Simplify the 401k to a simple 3 fund portfolio with perhaps 5-10% t...
by aristotelian
Fri Jan 12, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Lower tax rates for 7 yrs.-Are you switching to Roth 401K
Replies: 31
Views: 1599

Re: Lower tax rates for 7 yrs.-Are you switching to Roth 401K

No. The tax rate is lower but the delta between my marginal rate and the next one down is still 10% so I am continuing to max. My plan is early retirement with several years to pull from the employer account at approximately 0% so I can't imagine a scenario where I should not max.
by aristotelian
Fri Jan 12, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: What to do when SEP IRA is only option?
Replies: 11
Views: 595

Re: What to do when SEP IRA is only option?

Yes, true thank you for point out my oversight. A SEP is limited to 25% of profit. What would be better is if she setups up a solo 401K. I would check with a CPA about this, but I believe that the SEP contribution, from the other company, would only effect the 55K limit not the 18.5 limit. So, prov...
by aristotelian
Fri Jan 12, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Bank offering 0.25% off mortgage interest for asset transfer
Replies: 12
Views: 1078

Re: Bank offering 0.25% off mortgage interest for asset transfer

I guess with no time limit you should be fine. They are betting that their funds are competitive enough and that you are lazy enough that you will keep your assets there out of inertia. Do make sure you are aware of in-kind transfer fees on both sides.
by aristotelian
Fri Jan 12, 2018 7:16 am
Forum: Investing - Help with Personal Investments
Topic: What to do when SEP IRA is only option?
Replies: 11
Views: 595

Re: What to do when SEP IRA is only option?

What kind of salary did she have in Grad school? What she in the sustenance level, like 30k per year? Unless she being paid via 1099, she cannot open a solo 401K. Having the SEP contribution amount being dictated by someone else, suggests that is not really possible. He says she has a side hustle m...
by aristotelian
Thu Jan 11, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bond component of AA
Replies: 5
Views: 332

Re: Bond component of AA

Most of us recommend an index of the total bond market , which includes corporates, Treasuries, GNMA, etc. However, you might see this ongoing thread, which argues for weighting Treasuries, on the thinking that corporate bonds are too highly correlated with equities. https://www.bogleheads.org/forum...
by aristotelian
Thu Jan 11, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Who Reads Mutual Fund Annual Reports
Replies: 7
Views: 376

Re: Who Reads Mutual Fund Annual Reports

I used to when I owned a bunch of actively managed funds. I wanted to know whether they were "outperforming" or not. Now that I own index funds, I just read the newspaper to see how the market is doing. Since I own the market, I don't need to read the annual report to know how my funds are doing.
by aristotelian
Thu Jan 11, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: How to hold bonds in taxable if you must?
Replies: 19
Views: 1717

Re: How to hold bonds in taxable if you must?

Let's start from the beginning. What is your tax bracket? Why are you wanting to hold a bond fund in your taxable account? Are you out of space in your retirement accounts? No space anywhere but taxable. Holding bonds to mitigate some stock risk. 50/50 AA. I hold muni bonds (tax exempt) and I Bonds...
by aristotelian
Thu Jan 11, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: How to hold bonds in taxable if you must?
Replies: 19
Views: 1717

Re: How to hold bonds in taxable if you must?

Let's start from the beginning. What is your tax bracket? Why are you wanting to hold a bond fund in your taxable account? Are you out of space in your retirement accounts?
by aristotelian
Thu Jan 11, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Buy bonds until market correction
Replies: 28
Views: 2277

Re: Buy bonds until market correction

Not that I advocate market timing, but another possibility, instead of increasing bond allocation, keep your same allocation but extend the duration of a portion. Consider tilting toward 7-10 year Treasuries and LT Treasuries. Again, I am not advocating this. I would ask OP: What bond allocation did...