Search found 523 matches

by WanderingDoc
Thu Feb 22, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Military FIRE; 7 years to go & losing motivation--HELP!
Replies: 29
Views: 2156

Re: Military FIRE; 7 years to go & losing motivation--HELP!

Bogleheads, I am currently an E-7 in the Army with about 13 years of service and trying to hold on until the 20 year mark where I will be eligible for a government pension and very low cost health care for the remainder of my life. My wife (an Army civilian employee) and I have been talking about b...
by WanderingDoc
Wed Feb 21, 2018 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 43
Views: 6157

Re: Paying off $372000 mortgage in 12 months

If you can find $30k/month then I don't really see the urgency in paying it off. You have enough income that you could pay it off quickly whenever you want, and knowing you could pay it off is psychologically not that far from actually paying it off. What's the rate on the mortgage? Is it fixed rat...
by WanderingDoc
Wed Feb 21, 2018 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 49
Views: 4562

Re: Yikes, I waited too long, am I [too late]? 50k to invest

:( *big sigh* OK, I am 45 and don't have an opportunity for a 401k and I haven't really contributed into social security. Yikes. Where did the time go??? I have 50k I need/want to invest in the instance I can't bank on my parents (who are sinking EVERYTHING into REITS) so I'm hoping to bend your bi...
by WanderingDoc
Sun Feb 18, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 531

Re: Please help me sensibly add EM and Dev into my portfolio

Inspired by this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=241997 I have wanted to add some Emerging and Developing markets into my asset allocation since I have started to take the Bogle style of investing pretty seriously. ~ 5 months ago. The following is my current asset alloc...
by WanderingDoc
Sun Feb 18, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 531

Re: Please help me sensibly add EM and Dev into my portfolio

The TSP I fund is fine, and will soon include emerging markets. If you want more EM than that, you could buy an emerging markets index fund at Vanguard. For example, this one. You would sell some of the target retirement fund to generate cash for it, or use some of your 50% cash allocation to buy i...
by WanderingDoc
Sun Feb 18, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 531

Re: Please help me sensibly add EM and Dev into my portfolio

Does anyone have information as to what % of the TSP I fund is devoted to Developing Markets .. do they publish that. Or even still, about how much of the I fund will be in EM next year. I suspect we do not know the answer to the latter, but surely the former? I am looking to specifically invest in ...
by WanderingDoc
Sun Feb 18, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 531

Re: Please help me sensibly add EM and Dev into my portfolio

The TSP I fund is fine, and will soon include emerging markets. If you want more EM than that, you could buy an emerging markets index fund at Vanguard. For example, this one. You would sell some of the target retirement fund to generate cash for it, or use some of your 50% cash allocation to buy i...
by WanderingDoc
Sun Feb 18, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 531

Re: Please help me sensibly add EM and Dev into my portfolio

Inspired by this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=241997 I have wanted to add some Emerging and Developing markets into my asset allocation since I have started to take the Bogle style of investing pretty seriously. ~ 5 months ago. The following is my current asset alloc...
by WanderingDoc
Sun Feb 18, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 531

Please help me sensibly add EM and Dev into my portfolio

Inspired by this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=241997 I have wanted to add some Emerging and Developing markets into my asset allocation since I have started to take the Bogle style of investing pretty seriously. ~ 5 months ago. The following is my current asset alloca...
by WanderingDoc
Sat Feb 17, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 129
Views: 7169

Re: philosophicaleconomics predicts 4% real equity returns

I know that my real estate investments will outperform equities all day every day even on its worst year Ah, I remember being young once. I KNOW my real estate holdings will outpeform the predicted 2.5% mutual funds return. Or 4%. or 6%. KNOW :beer Assuming there is a year with 0% appreciation (pos...
by WanderingDoc
Sat Feb 17, 2018 3:07 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 194
Views: 23232

Re: Buying and Spending Bitcoin

NYT touched on this concept recently: Why the I.R.S. Fears Bitcoin . Obviously I am not advocating tax evasion, but I am advocating discussing its problems openly. Snippet from the NYT op-ed: Here is a simple tax dodge that would be hard for the I.R.S. to prove: Suppose A, B and C are electronic ad...
by WanderingDoc
Sat Feb 17, 2018 2:15 am
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 129
Views: 7169

Re: philosophicaleconomics predicts 4% real equity returns

As to 5% real I hope your right but wouldn’t bet on it. I’m using 3% real. 5% real equities or on entire portfolio? Equities, including international and EM. No betting is necessary. If I get 3% real, it may just mean that I retire at 52 instead of 50. Including international i could see 5% as more...
by WanderingDoc
Wed Feb 14, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 129
Views: 7169

Re: philosophicaleconomics predicts 4% real equity returns

I find the article hard to argue against. His 4% real return assume no decrease in valuation. Citing what has happened over the last 25 years as evidence against it is nonsensical. Valuations have increased and earnings yields have increased. If you to assume both will increase further even beyond ...
by WanderingDoc
Wed Feb 14, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 129
Views: 7169

Re: philosophicaleconomics predicts 4% real equity returns

I find the article hard to argue against. His 4% real return assume no decrease in valuation. Citing what has happened over the last 25 years as evidence against it is nonsensical. Valuations have increased and earnings yields have increased. If you to assume both will increase further even beyond ...
by WanderingDoc
Tue Feb 13, 2018 3:04 am
Forum: Investing - Theory, News & General
Topic: Expecting a crash...but staying the course
Replies: 8
Views: 1615

Re: Expecting a crash...but staying the course

When they say you stayed in the best days etc., they just mean to be invested in the market right? Not necessarily that you were DCA'ing during that time.
by WanderingDoc
Tue Feb 13, 2018 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Buy or Rent under new Tax Law
Replies: 20
Views: 1723

Re: Buy or Rent under new Tax Law

Assuming 20% down with a 30 year 4.5% fixed on a $800k house, your PI $3,242/mo plus tax $1,416/mo (assuming my googling if NJ taxes in correct) plus insurance, maintenance, utilities, and the opportunity cost of the down payment. Only <$1,000/mo in principle reduction for the first 5 years (at ~92...
by WanderingDoc
Mon Feb 12, 2018 11:35 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 4588

Re: Random conversations regarding money

Would some one earning $58k, or a family earning $75k, be able to replicate your real estate success, especially if they can only invest $12k/year? Good point. Probably not in 3-4 years. In 7-8 years for sure. The thing is, you only need $500-600K in real estate equity to generate $80K per year to ...
by WanderingDoc
Mon Feb 12, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 4588

Re: Random conversations regarding money

Last night I was at a gathering and found myself in a conversation regarding money and investing with another individual. He asked about what I invest in, etc and I told him, " mostly the US total stock market." He then proceeded to tell me how he only invests in physical gold bars, tax-deferred an...
by WanderingDoc
Sun Feb 11, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8140

Re: Ally online savings now at 1.45%

Do you really care if your savings account rate is 1.45% or 1.50%? They are both substantially equal to zero after inflation and considering other investment choices. You should not have a large cash allocation to either of those accounts. I think having a large cash position (8-20%) is critical. L...
by WanderingDoc
Sun Feb 11, 2018 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Opted into the new military retirement system/BRS
Replies: 57
Views: 4352

Re: Opted into the new military retirement system/BRS

I am at just over 10 years in, with an ADSO out to 15.5, and I plan to stick with the traditional retirement. At this point I’m committed, but if I had less than 5 years, and maybe even up to 8, I would certainly choose the new option. I have just less than 10 years in with an ADSO that puts me at ...
by WanderingDoc
Sun Feb 11, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 108
Views: 10359

Re: Larry Swedroe: 4 Horsemen Of Your Portfolio

Everything I wrote holds for 2.5 as well. I've been to Hong Kong many times; I live in Southeast Asia. It is possible to say "something is good/not good" without falling back on the American habit of making everything the best/worst in the world. For comparison, Tokyo (with its 25M residents) has a...
by WanderingDoc
Sun Feb 11, 2018 12:58 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 108
Views: 10359

Re: Larry Swedroe: 4 Horseman Of Your Portfolio

Hong Kong has some of the worse pollution on earth. It looks like Hong Kong isn't even in the top 500 of most polluted places on Earth, according to the WHO, with a PM10 of 49. There are 3 cities with more than 10 times [/i] that level of pollution (Onitsha, Nigeria (PM10 = 594); Peshawar, Pakistan...
by WanderingDoc
Sat Feb 10, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8140

Re: Ally online savings now at 1.45%

TSP G fund up to 2.75% now. That's higher than the yield on Total Bond Market/F fund. Any reason not to convert all bonds in the TSP to G fund? I believe I am 50/50 between G and F fund. If you use bonds to rebalance with an equity-heavy portfolio and believe intermediate term rates are correlated ...
by WanderingDoc
Sat Feb 10, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2854
Views: 894498

Re: What Book Are You Currently Reading? Part VI

In a similar vein, what kind of (e)book reader would y'all recommend? I have realized that I cannot keep ordering books as it leads to a lot of clutter. Get one of the inexpensive Fire tablets from Kindle and just download an epub reader so you can read mobi / azw, epub or pdf. https://www.amazon.c...
by WanderingDoc
Sat Feb 10, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8140

Re: Ally online savings now at 1.45%

TSP G fund up to 2.75% now. That's higher than the yield on Total Bond Market/F fund. Any reason not to convert all bonds in the TSP to G fund? I believe I am 50/50 between G and F fund. If you use bonds to rebalance with an equity-heavy portfolio and believe intermediate term rates are correlated ...
by WanderingDoc
Sat Feb 10, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2854
Views: 894498

Re: What Book Are You Currently Reading? Part VI

In a similar vein, what kind of (e)book reader would y'all recommend? I have realized that I cannot keep ordering books as it leads to a lot of clutter.
by WanderingDoc
Sat Feb 10, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8140

Re: Ally online savings now at 1.45%

White Coat Investor wrote:
Sat Feb 10, 2018 4:40 pm
TSP G fund up to 2.75% now. That's higher than the yield on Total Bond Market/F fund.
Any reason not to convert all bonds in the TSP to G fund? I believe I am 50/50 between G and F fund.
by WanderingDoc
Sat Feb 10, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2007

Re: Is Rental Property/Income Same as Bonds

I don't get called at 3 AM by my bond mutual fund about a leaking pipe, so, no, rental property is not the same. This argument seems to perpetuate in the internet forever. That's why you get property managers. I get zero call at 3am in my 14 years of owning rental properties. In the past, before I ...
by WanderingDoc
Sat Feb 10, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 108
Views: 10359

Re: Larry Swedroe: 4 Horseman Of Your Portfolio

Financial writers often exaggerate "increasing longevity," I'm not sure why. Swedroe writes: When I was growing up (I’m 66), there were very few people who lived to collect Social Security for more than a few years. Today it’s a very different story. Here's the data from the CDC , table 15-1, life ...
by WanderingDoc
Sat Feb 10, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2007

Re: Is Rental Property/Income Same as Bonds

I don't get called at 3 AM by my bond mutual fund about a leaking pipe, so, no, rental property is not the same. This argument seems to perpetuate in the internet forever. That's why you get property managers. I get zero call at 3am in my 14 years of owning rental properties. In the past, before I ...
by WanderingDoc
Sat Feb 10, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2007

Re: Is Rental Property/Income Same as Bonds

Do you always maintain 100% occupancy of the rental properties? To me that's one of the fundamental differences from bonds, the fact that rental properties can have periods were they go unoccupied, but the expenses still need to be paid so the monthly cash flow can turn negative. For perspective, i...
by WanderingDoc
Sat Feb 10, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2007

Re: Is Rental Property/Income Same as Bonds

I've asked this before on here, and folks usually say no. However, I have literally been smiling all month as the equity and crypto markets are dropping, while the rent checks keep flowing in. It makes me feel good in some perverse way. I'm honestly not sure why I hold any bonds! 8-) Do you always ...
by WanderingDoc
Sat Feb 10, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2007

Re: Is Rental Property/Income Same as Bonds

I don't get called at 3 AM by my bond mutual fund about a leaking pipe, so, no, rental property is not the same. I've never got called at 3 AM about anything, and I have a sizable RE portfolio. Neither have any of the real estate investors I know (I've asked). Just another myth that is being perpet...
by WanderingDoc
Fri Feb 09, 2018 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2007

Re: Is Rental Property/Income Same as Bonds

I've asked this before on here, and folks usually say no.

However, I have literally been smiling all month as the equity and crypto markets are dropping, while the rent checks keep flowing in. It makes me feel good in some perverse way. I'm honestly not sure why I hold any bonds! 8-)
by WanderingDoc
Fri Feb 09, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Why would people buy condos/SFH in Texas?
Replies: 61
Views: 5705

Re: Why would people buy condos/SFH in Texas?

If investment properties weren't profitable in Houston, eventually no one would buy investment properties there. Its very simple. Aside from homeownership which is NOT about the numbers and NOT investing. Eventually, no one would buy income property if it wasn't profitable. I can tell you, the Houst...
by WanderingDoc
Fri Feb 09, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8140

Re: Ally online savings now at 1.45%

Usually if you call them they will transfer your current account to the new higher rate. At least they did that for me at CIT bank. It was super easy. No paperwork, just a phone call. https://www.bankoncit.com/ Which has a 1.55 savings account I am always reluctant to trust these "up and coming" on...
by WanderingDoc
Fri Feb 09, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8140

Re: Ally online savings now at 1.45%

hlfo718 wrote:
Fri Feb 09, 2018 8:17 am
3 Month TBills are over 1.5% and state/local tax free. That's a great substitute for money funds and high yield savings.
Can you recommend an easy and secure way to purchase one for the computer semi-illiterate? :)
by WanderingDoc
Thu Feb 08, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: TSP - How to get better international coverage
Replies: 6
Views: 551

Re: TSP - How to get better international coverage

I wanted to engage in a discussion for the best way to get the necessary international and emerging market exposure for those of us invested in the TSP. It has been mentioned on here in the past that the TSP "I fund" is lacking in certain key markets/sectors. Currently, my index fund portfolio is r...
by WanderingDoc
Thu Feb 08, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: TSP - How to get better international coverage
Replies: 6
Views: 551

TSP - How to get better international coverage

I wanted to engage in a discussion for the best way to get the necessary international and emerging market exposure for those of us invested in the TSP. It has been mentioned on here in the past that the TSP "I fund" is lacking in certain key markets/sectors. Currently, my index fund portfolio is ro...
by WanderingDoc
Tue Feb 06, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14607

Re: Vanguard site is crashed now?

Fidelity is now down. TDA as well. There is a massive push to get orders in. Some other online communities I frequent, daily discussion posts which usually only generate 20-30 replies are in the several hundreds or more within the last hour. Between option trades and other retail investors trying t...
by WanderingDoc
Mon Feb 05, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: $1000 a month for life into a taxable account
Replies: 23
Views: 3835

Re: $1000 a month for life into a taxable account

Ladies and gents, If one wanted to DCA $1000 a month into a taxable account (I would probably use Vanguard) for life, what 1-3 funds would you select and why? Assume that this is just an experimental/fun fund as an extra diversification play. Job is very stable, so are other sources of income. Appr...
by WanderingDoc
Mon Feb 05, 2018 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: $1000 a month for life into a taxable account
Replies: 23
Views: 3835

Re: $1000 a month for life into a taxable account

I would use 100% TSM. I assume you still mean that you would have access to tax deferred plans such as an IRA and 401K or the like? If so, I would try to keep it as tax efficient as possible. With 100% TSM (VTSAX) - you will have primarily qualified dividends as well as keeping high quality bonds i...
by WanderingDoc
Mon Feb 05, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: $1000 a month for life into a taxable account
Replies: 23
Views: 3835

Re: $1000 a month for life into a taxable account

bloom2708 wrote:
Mon Feb 05, 2018 4:06 pm
49% Total US Stock Index
21% Total International Stock Index
30% Int-Term Tax-Exempt Bond index

Re-balance on your birthday each year.
I like it. Is there a way to "set it and forget it" so that it automatically buys the same # of shares per month?
by WanderingDoc
Mon Feb 05, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: $1000 a month for life into a taxable account
Replies: 23
Views: 3835

Re: $1000 a month for life into a taxable account

Ladies and gents, If one wanted to DCA $1000 a month into a taxable account (I would probably use Vanguard) for life, what 1-3 funds would you select and why? Assume that this is just an experimental/fun fund as an extra diversification play. Job is very stable, so are other sources of income. Appr...
by WanderingDoc
Mon Feb 05, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: $1000 a month for life into a taxable account
Replies: 23
Views: 3835

$1000 a month for life into a taxable account

Ladies and gents, If one wanted to DCA $1000 a month into a taxable account (I would probably use Vanguard) for life, what 1-3 funds would you select and why? Assume that this is just an experimental/fun fund as an extra diversification play. Job is very stable, so are other sources of income. Appre...
by WanderingDoc
Mon Feb 05, 2018 3:35 am
Forum: Investing - Theory, News & General
Topic: Are Japanese Stocks Cheap?
Replies: 21
Views: 1829

Re: Are Japanese Stocks Cheap?

To keep inflation up (to keep investors happy?) the BOJ prints money and throws it at every business. They dont go bankrupt...employees are not forced to go find productive uses of time. Same could happen in the US...when asset prices fall, voters get angry. OTOH quality of life in Japan seems grea...
by WanderingDoc
Sun Feb 04, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14468

Re: For BHs who actually like cars - what is your daily driver?

'06 Lexus IS350 in the summer '09 Subie AWD for the winter I have a '12 IS350 AWD. Lexus luxury with 'yota reliability and durability. In 6 years nothing has broken or needed unscheduled service. The only one issue was a recall for the emergency escape handle in the trunk. Hope to keep it for at le...
by WanderingDoc
Sun Feb 04, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why do many bogleheads feel they can time the housing market but can't time the stock market?
Replies: 63
Views: 4604

Re: Why do many bogleheads feel they can time the housing market but can't time the stock market?

if its possible to time the housing market then why not time the stock market? It's a fair question, I'll give you that. But, I don't necessarily think people are trying to time the housing market, rather prevent others from paying too much for a place to live. I think housing gets more of the "wai...