Search found 95 matches

by HAL 9000
Mon Dec 16, 2019 10:58 pm
Forum: Personal Investments
Topic: Vanguard STAR vs. Life Strategy Moderate Growth
Replies: 14
Views: 1537

Re: Vanguard STAR vs. Life Strategy Moderate Growth

I don't like the international bonds in Life Strategy. I think you're better off with a 3 fund: 50% total US stock, 20% total international stock, & 30% total bond. Rebalance once a year. I'd use Wellington over Star as well.
by HAL 9000
Sat Dec 14, 2019 1:02 am
Forum: Personal Investments
Topic: WWYD? - advice needed. 41 yr old in VHCOL, FIRE? thinking of leaving high stress job.
Replies: 54
Views: 4163

Re: WWYD? - advice needed. 41 yr old in VHCOL, FIRE? thinking of leaving high stress job.

If I were you, I would FIRE, and get a life, start a family. I assume you have around $5MM, a WR of 1.6~2% guarantees the growth of your portfolio even without a job. You may want to travel the world or move to a different area with even lower WR. Your asset allocation 80/20 looks good to me at you...
by HAL 9000
Mon Dec 02, 2019 8:50 pm
Forum: Personal Investments
Topic: Is Vanguard down?
Replies: 20
Views: 2499

Re: Is Vanguard down?

At what point is this a problem? I've never had the problems on any other sites that I do with them.
by HAL 9000
Mon Dec 02, 2019 8:36 pm
Forum: Personal Investments
Topic: Is Vanguard down?
Replies: 20
Views: 2499

Re: Is Vanguard down?

Can anyone login? Looks down again...
by HAL 9000
Fri Apr 05, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Mobile phone security software
Replies: 8
Views: 755

Re: Mobile phone security software

Malwarebytes mobile, $12/yr.
by HAL 9000
Sat Mar 30, 2019 5:59 pm
Forum: Personal Investments
Topic: Perfect Core 4 + All Weather
Replies: 7
Views: 1559

Re: Perfect Core 4 + All Weather

Looks good with a low beta I bet! :sharebeer
by HAL 9000
Tue Mar 26, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Boeing 737 Max 8 Flight: Would you rebook?
Replies: 63
Views: 5665

Re: Boeing 737 Max 8 Flight: Would you rebook?

I read the NYT article today. You should read it too if you are concerned. :shock:
by HAL 9000
Sat Mar 02, 2019 8:17 pm
Forum: Personal Investments
Topic: Lots of cash .. Scared to put it to work now
Replies: 207
Views: 19314

Re: Lots of cash .. Scared to put it to work now

50/50 is what Mr. Bogle himself used. Who am I to second guess that allocation? Benjamin Graham said to have at least 25% in equities. A simple thing to do is get to 25% ASAP and DCA up to 50% over the next 18 months. If only I could take my own advice. :oops:
by HAL 9000
Sat Mar 02, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 82
Views: 14282

Re: 3 stages of Financial Independence

Stage 1 = when you finally get out of debt (by age 30) Stage 2 = you build an emergency fund, start investing, and buy a house w/ 20% down (age 34) Stage 3 = your investment gains and dividend/interest equal monthly expenses (age 45) Stage 4 = you have 'enough' maybe 2mil in today's dollars MCOL are...
by HAL 9000
Fri Mar 01, 2019 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Does great grandma need the great grandkid's SSN?
Replies: 22
Views: 2514

Re: Does great grandma need the great grandkid's SSN?

The big problem here seems to be "DW won't relay any questions for me!" The risks that need to be balanced are, on the one hand, identity theft; on the other, the possibility of screw-ups and delays and four-figure legal fees when the estate must be probated. Plus the risks of getting several peopl...
by HAL 9000
Thu Feb 28, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: 30 year old water heater, should I be worried?
Replies: 73
Views: 5468

Re: 30 year old water heater, should I be worried?

Yes, you should be worried.
by HAL 9000
Thu Feb 28, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Does great grandma need the great grandkid's SSN?
Replies: 22
Views: 2514

Re: Does great grandma need the great grandkid's SSN

Thank you all for your reply's. Just to clarify, I don't know that the lawyer is an actual lawyer, no one will answer my questions or give me any facts. Grandma is pushing 100 and has been the victim of a couple different con men recently (last 3 years). DW thinks I'm on a power trip over releasing ...
by HAL 9000
Thu Feb 28, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does great grandma need the great grandkid's SSN?
Replies: 22
Views: 2514

Does great grandma need the great grandkid's SSN?

Hello again fellow Bogleheads, My DW's grandmother called this week to get her great grandkid's Social Security number for her lawyer to set up her final wishes. I don't know who this lawyer is or what exactly is being set up (DW won't relay any questions for me) and I am concerned about giving this...
by HAL 9000
Sun Feb 24, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 139
Views: 15399

Re: Is Hyundai the value sweet spot?

We almost pulled the trigger on a sonata or optima this past dec, but held off after discovering a class action suit that was just filed in Dec with respect to several hyundais and kias models spanning 2011-2019. Apparently engines catching fire on several hundred vehicles to date. Can't remember w...
by HAL 9000
Wed Feb 20, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 33
Views: 15109

Re: What is a lemon? 2018 Outback Infotainment issues

Regardless of the issue, I don't think you can 'lease' a lemon, you've gotta buy 'em. So, no it's not a lemon.
Lemons are generally major frame/engine/transmission issues.
by HAL 9000
Thu Feb 14, 2019 9:11 pm
Forum: Investing - Theory, News & General
Topic: Newbee ? why not dividend stock etf over bonds
Replies: 8
Views: 619

Re: Newbee ? why not dividend stock etf over bonds

You want safety i.e. negative correlation to stocks from bonds and also maybe some inflation protection from TIPS. These will lower overall portfolio risk (and return).
by HAL 9000
Sun Feb 03, 2019 2:22 pm
Forum: Personal Investments
Topic: VTI Dividend and Incorrect Execution
Replies: 9
Views: 1046

Re: VTI Dividend and Incorrect Execution

Thanks for the update. You are lucky Vanguard is a quality organization and was willing to work on your behalf to correct their mistake. This happened to me at Fidelity and the customer service was terrible and they wouldn't fix their error.
by HAL 9000
Sat Feb 02, 2019 1:25 pm
Forum: Personal Investments
Topic: Diversification ideas
Replies: 97
Views: 5769

Re: Diversification ideas

Hi, I like the simplicity of the three fund portfolio, however I was wondering what is the best way to add additional diversification to a 3 fund. For instance, what are some suggestions for liquid things (1B or greater cap) least correlated to the total us stock market? I have no real clue, but th...
by HAL 9000
Sat Feb 02, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Just did my taxes.
Replies: 38
Views: 2872

Re: Just did my taxes.

Looking like we'll pay 2 to 3K less this year, low tax state and have always used standard deduction.
by HAL 9000
Wed Jan 30, 2019 9:44 pm
Forum: Personal Investments
Topic: Diversification ideas
Replies: 97
Views: 5769

Re: Diversification ideas

Hi, I like the simplicity of the three fund portfolio, however I was wondering what is the best way to add additional diversification to a 3 fund. For instance, what are some suggestions for liquid things (1B or greater cap) least correlated to the total us stock market? I have no real clue, but th...
by HAL 9000
Tue Jan 29, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: No Heat! (Live in Michigan)
Replies: 47
Views: 4985

Re: No Heat! (Live in Michigan)

Ignitor?
by HAL 9000
Tue Jan 29, 2019 8:03 pm
Forum: Personal Investments
Topic: Diversification ideas
Replies: 97
Views: 5769

Re: Diversification ideas

Thanks everyone for their ideas. This question might be silly but what about cash ie prime mm or ultra short bonds as a hedge?
by HAL 9000
Mon Jan 28, 2019 11:07 pm
Forum: Personal Investments
Topic: PG&E stock or ETF at Vanguard?
Replies: 26
Views: 2222

Re: PG&E stock or ETF at Vanguard?

Never catch a falling knife...
by HAL 9000
Mon Jan 28, 2019 10:55 pm
Forum: Personal Investments
Topic: Diversification ideas
Replies: 97
Views: 5769

Re: Diversification ideas

Thanks for the reply Taylor, it's an honor.
by HAL 9000
Mon Jan 28, 2019 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on Computational Engineering Undergraduate Major
Replies: 91
Views: 3852

Re: Opinions on Computational Engineering Undergraduate Major

Read flag is that it is under Aerospace and not EE. Yup, to judge a book by its cover, it looks like a ME/AE major with a 'finite element analysis' tilt Fortunately we don't have to judge a book by its cover and can look at the degree page description , which shows it is not at all how you judged i...
by HAL 9000
Mon Jan 28, 2019 10:11 pm
Forum: Personal Investments
Topic: Diversification ideas
Replies: 97
Views: 5769

Diversification ideas

Hi, I like the simplicity of the three fund portfolio, however I was wondering what is the best way to add additional diversification to a 3 fund. For instance, what are some suggestions for liquid things (1B or greater cap) least correlated to the total us stock market? I have no real clue, but thi...
by HAL 9000
Mon Jan 28, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on Computational Engineering Undergraduate Major
Replies: 91
Views: 3852

Re: Opinions on Computational Engineering Undergraduate Major

surveyor wrote:
Mon Jan 28, 2019 8:49 am
Read flag is that it is under Aerospace and not EE.
Yup, to judge a book by its cover, it looks like a ME/AE major with a 'finite element analysis' tilt
by HAL 9000
Sun Jan 27, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on Computational Engineering Undergraduate Major
Replies: 91
Views: 3852

Re: Opinions on Computational Engineering Undergraduate Major

I agree with KlangFool on the overall argument but I think Quantum Computing is a pretty weak example to showcase this. Nobody except academics (such as me, guilty as charged) writes quantum codes. It's not something you will see in a MS let alone PhD in any discipline except theoretical CS. tricer...
by HAL 9000
Sun Jan 27, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on Computational Engineering Undergraduate Major
Replies: 91
Views: 3852

Re: Opinions on Computational Engineering Undergraduate Major

So, essentially, the person in this program will be inferior to A) Someone with a mechanical engineering degree B) Someone with an Electrical Engineering degree C) Someone with a Computer Science degree Aka, this person is good for nothing. As an employer, why would I hire this person versus (A) to...
by HAL 9000
Thu Jan 17, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11848

Re: Have I Now Become Out of Touch Financially? Aging question...

The Fed might say inflation is around 2% The Federal Reserve doesn't measure inflation. From the latest fed meeting notes: "The information reviewed for the December 18-19 meeting indicated that labor market conditions continued to strengthen in recent months and that real GDP growth was strong. Co...
by HAL 9000
Thu Jan 17, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11848

Re: Have I Now Become Out of Touch Financially? Aging question...

The Fed might say inflation is around 2% The Federal Reserve doesn't measure inflation. From the latest fed meeting notes: "The information reviewed for the December 18-19 meeting indicated that labor market conditions continued to strengthen in recent months and that real GDP growth was strong. Co...
by HAL 9000
Wed Jan 16, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11848

Re: Have I Now Become Out of Touch Financially? Aging question...

The Fed might say inflation is around 2%, but here in Colorado, I'd say the price of Everything [excluding gas/energy and TVs] has doubled over the last 8 years, so what's that? 9%/yr
by HAL 9000
Wed Jan 16, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58942

Re: John Bogle is dead at 89

RIP Mr. Bogle you will be missed!
by HAL 9000
Tue Jan 15, 2019 9:23 pm
Forum: Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3398

Re: Fidelity Problems

ofckrupke wrote:
Fri Jan 11, 2019 10:11 pm
Well, I don't think there is any question about it; it can only be attributable to human error.
This sort of thing has cropped up before, and it has always been due to human error.
Not me, I have a perfect operational record. :beer
by HAL 9000
Sun Jan 13, 2019 11:22 pm
Forum: Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3398

Re: Fidelity Problems

Not the four in one fund, but the newer fidelity zero fee total us index and total international index funds in the IRA (the reinvestments) created wash sale problems for the total us index and total international index vanguard funds in taxable account (the TLH sales). I assume the vanguard funds ...
by HAL 9000
Sun Jan 13, 2019 7:45 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation to buy hot stocks or bitcoin?
Replies: 63
Views: 4822

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

Once you lose enough money you'll lose the temptation. :(
by HAL 9000
Sat Jan 12, 2019 7:04 pm
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 14222

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

I think I'm at 22% world vs 78% us equities and targeting 20%, but it is a hedge to me and 4:1 seems like a reasonable ratio. 40% seems risky to me and I don't like risk. The major red flag with foreign equities (and foreign bonds) are that I think they aren't from stable societies and I don't align...
by HAL 9000
Sat Jan 12, 2019 6:28 pm
Forum: Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3398

Re: Fidelity Problems and what is substantially similar

So even though they hold, say 90% by dollar value the same stocks (I don't know the actual amount but I'm assuming all the large and mid caps are the same), the fact they track different indexes is enough to be substantially different?
by HAL 9000
Sat Jan 12, 2019 11:44 am
Forum: Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3398

Re: Fidelity Problems

drzzzzz wrote:
Fri Jan 11, 2019 10:45 pm
They follow different indices so I think many might say not substantially identical.
Does anyone know how different these are?
by HAL 9000
Fri Jan 11, 2019 10:22 pm
Forum: Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3398

Re: Fidelity Problems

Not the four in one fund, but the newer fidelity zero fee total us index and total international index funds in the IRA (the reinvestments) created wash sale problems for the total us index and total international index vanguard funds in taxable account (the TLH sales). I assume the vanguard funds a...
by HAL 9000
Fri Jan 11, 2019 9:08 pm
Forum: Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3398

Fidelity problems and what is substantially similar

Hello fellow BH's, I just discovered an issue with the wife's fidelity IRA. I had set up the profile to deposit all dividends and capital gains into the core account and not to reinvest back into a Four in One fund. There is a check box to apply this setting to all 'future funds' which I checked and...
by HAL 9000
Tue Jul 04, 2017 1:21 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 23874

Re: Are you finding any good values at Amazon anymore?

Now that they own the market the prices seem to be rising. I would say, no great deals any more. I also feel that some of the things I get have been returned and resold alot which is annoying. That being said, love the customer service and return policy. I have never had a problem. Also the AI is so...
by HAL 9000
Sun Jul 02, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need help progressing in life after a massive setback
Replies: 35
Views: 7796

Re: Need help progressing in life after a massive setback

An old saying is its not your speed in life that is most important but your direction. If I could do it all over, I would do what made me happy, get the highest degree and teach. Professors and teachers get tons of vacation more than other professionals. Stress is the enemy, avoid it. Money is a ter...
by HAL 9000
Sun Jul 02, 2017 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Just found out my mom is in serious financial crisis. Need help ASAP.
Replies: 58
Views: 11273

Re: Just found out my mom is in serious financial crisis. Need help ASAP.

Better to sell the house than to lose it. Pay off the debt and downsize everything. Buy a condo. Destroy the credit cards. Get an accountant and figure out what is really going on here. Something doesn't quite add up.
by HAL 9000
Tue Jun 27, 2017 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 12557

Re: Middle age job blues

Be very afraid and hold onto that job as long as you can. Those are your instincts going off, listen to them. If you lose that job look for a government job ASAP and move if you have to, get something immediately. The longer you take the worse it will become. Its bad out there. I know from my own ex...
by HAL 9000
Sun Jun 25, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry
Replies: 142
Views: 15494

Re: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry

The cape broke 30 last week. The psychology of the market has nothing to do with the economy. My gut says the youngins are bidding up this bubble so buyer beware. 50/50 seems like a good AA for any age investor.
by HAL 9000
Sun Jun 25, 2017 12:03 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 10141

Re: Your Favorite Vanguard Fund

I like the V500 for funds and vicegrips for tools...
by HAL 9000
Sat Jun 24, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: If I want to have a safe portfolio in case of...
Replies: 23
Views: 3156

Re: If I want to have a safe portfolio in case of...

Diversity. I don' t know how this would work but there are other investments besides 3 fund stock and bonds you could buy like: precious metals, a rental property, art, get a farm, livestock, home improvements, solar panels, a truck for your farm, cryptocurrency, PFF, international bonds, tax liens,...