Search found 169 matches

by Agggm
Sun Feb 18, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6516

Re: Sell me on the benefits of an emergency fund

I'm struggling to see why I should bother with a cash equivalent emergency fund. What risks would I be hedging against? I have a year plus of living expenses in after tax investments that I could access if the need was truly dire. What are the advantages of taking part of that out of the market? It...
by Agggm
Sat Feb 17, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 109
Views: 7642

Re: What big item (>20k) are you saving up for?

A lot of Bogleheads have considerable taxable accounts. If you are saving up to buy a large purchase (in excess of say $20,000), what might that item be? Around my neighborhood I see a lot of folks have boats and recreational vehicles. I suspect most are paying monthly on them though. At my megacor...
by Agggm
Tue Feb 13, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9293

Re: Job is starting to suck the life out of me.

Am I just naive at 31? I try to take initiative to help out the department and they could all care less and I'm not even looking for a pat on the back. Just their demeanor speaks volumes. Including the head tech and the supervisor. Makes me just want to do enough while on shift just to get by under...
by Agggm
Tue Feb 13, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund vs. Stable Value
Replies: 34
Views: 2948

Re: Bond Fund vs. Stable Value

I would appreciate any opinions on whether I should use a bond index fund or a stable value fund in my 401k as part of my 3-fund portfolio. My choices are: Morley Stable Value or Fidelity U.S. Bond Index (FSXTS). Thanks in advance! Use both. Make it a 4 fund portfolio. If your stable value (SV) fun...
by Agggm
Tue Feb 13, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 69
Views: 5614

Re: What if you only live off dividends?

Many people worry whether a 4% SWR will work in the future. Complicated attempts have been made to calculate a new SWR. Mainstream strategies use a total return approach and will liquidate a share of principal each year to meet the SWR payment. The assumption is that the assets will grow back. What...
by Agggm
Tue Feb 13, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: What is your passive investment sources?
Replies: 7
Views: 1248

Re: What is your passive investment sources?

I am young 23 guy, who wants to start investing small amounts. I have some money invested but I would like to get it to another level, what is your advice? I do not have a lot of investing knowledge so I am using p2p lending platforms as well invested some in Cryptocurrencies, but that's it. I woul...
by Agggm
Tue Feb 13, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 10971

Re: Did you learn anything from the market correction?

Our first market correction (10% decline from peak) after an 8 year bull run For many recent / young investors, the first real "test" of your AA. 80/20 is a lot of fun when the market is going up every day but not as fun during the last few weeks. What did you learn from this? Confirmed you are in ...
by Agggm
Mon Feb 12, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Buy or Rent under new Tax Law
Replies: 20
Views: 1705

Re: Buy or Rent under new Tax Law

All, We are planning to buy a house somewhere in NJ close to NYC. Is it a good time to buy a house under the new tax law? Or Should we continue to Rent?Our maximum budget for the house is 750K - 800K. Please advise Here is our situation Combined Income :Around 250K Tax Filing: MFJ Location:NJ Depen...
by Agggm
Mon Feb 12, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16602

Re: Number at which to stop worrying

This is different from other threads which talk about the number for early retirement. I want to continue working for the foreseeable future, but keep thinking at what level of NW could I relax a bit and not worry too much. Family of four in a MCOL area and single earner. Kids yet to go to college....
by Agggm
Mon Feb 12, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7096

Re: I’m not renewing my Costco membership.

Costco membership and the Bogleheads community have quite a lot of Venn diagram overlap. I’ve been a Costco stockholder for almost 20 years and I’m a big fan of their business model, their customer-focused return policy, and the way they treat their employees. Having said that, I’m not going to ren...
by Agggm
Sun Feb 11, 2018 11:51 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 103
Views: 4834

Re: how did you determine your risk tolerance?

the past couple months i've spent a lot more time browsing BHs and reading threads, etc., because i realized that holy crap, the market went up 20% in 2017!! i better re-evalulate my risk tolerance. at the end of 2017, i was at a 75/25 asset allocation (i'm 33). at the time i thought maybe this was...
by Agggm
Sun Feb 11, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6392

Re: Does it ever make sense to buy a new car?

Bogleheads, I’m approaching the end of my Camry lease in July. After making some moronic decisions with my past 2 car purchases I want to make the best possible decision this time. I recognize that a car is not an investment as it just depreciates but I want to be conscious of the total cost of own...
by Agggm
Sat Feb 10, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6597

Re: Day trading for a living/career?

Hello fellow Bogleheads, Now I realize “day trading” is probably a swear word in Bogle land so, let me start by saying I am a long-term, buy and hold investor that has adopted the boglehead philosophy on this site. My DW and my investments are primarily all low-cost Vanguard index mutual funds in a...
by Agggm
Fri Feb 09, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Savings rate questions
Replies: 12
Views: 825

Re: Savings rate questions

The question isn’t really what your savings rate is (or rates are), but whether you are saving enough to meet your long-term financial goals. Even with an apparently high rate, if you want to retire very early and send three kids through college then you still may not be saving enough. On the other...
by Agggm
Fri Feb 09, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 105
Views: 12238

Re: Am I saving too much for retirment?

Hi all, l'm 28 and trying to balance saving for retirement and keeping enough to enjoy myself now. I realize that in order to know how much you should save, you need to know how much you will need in retirement. However, at my age I find it difficult to have any realistic idea of my spending in 30+...
by Agggm
Fri Feb 09, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13144

Re: "The stock market is officially in a correction... here's what usually happens next"

Cycle wrote:
Thu Feb 08, 2018 11:14 pm
The past is the best predictor of the past. I'm going to keep buying every Monday, as always.
👍
by Agggm
Fri Feb 09, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8064

Re: Ally online savings now at 1.45%

LiterallyIronic wrote:
Fri Feb 09, 2018 11:58 am
Meanwhile, Wells Fargo is still at 0.01%.

https://www.wellsfargo.com/savings-cds/ ... unt-rates/
:sharebeer
by Agggm
Thu Feb 08, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: NYT: "84 percent of all stocks owned by Americans belong to the wealthiest 10 percent"
Replies: 14
Views: 1811

Re: NYT: "84 percent of all stocks owned by Americans belong to the wealthiest 10 percent"

iamcam wrote:
Thu Feb 08, 2018 7:31 pm
This just in: the wealthiest people in America possess most of the wealth ;-)
🤣
Joking aside, I think the news is the % of stocks the top 10% own. It will probably be 90% soon. I wonder what the limit is. 100%? 99.9%? That'll be a cool math exercise.
by Agggm
Thu Feb 08, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: What Investments are Inversely Correlated with US Stocks?
Replies: 14
Views: 1125

Re: What Investments are Inversely Correlated with US Stocks?

We are looking to invest in something that is not highly correlated to US stocks, as we would like to have a buffer in our portfolio if (when) the US stock market goes down. We're about 10 years until retirement. Below are our current holdings. The REIT fund is evidently closely correlated with US ...
by Agggm
Thu Feb 08, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 87
Views: 7329

Re: How to deal with regret

About one year ago I invested quite a large sum of money in stocks over a few month period. Now I am seeing the gains being rapidly wiped out and I fear that I will soon begin to see some losses. I won't need the money for many years and I have quite a lot left in cash and cash-like products, so wh...
by Agggm
Tue Feb 06, 2018 4:36 pm
Forum: Forum Issues and Administration
Topic: we need an individual stock sub forum
Replies: 31
Views: 1265

Re: we need an individual stock sub forum

Alexa9 wrote:
Tue Feb 06, 2018 2:45 pm
I think we need Bitcoin, REIT, Whole Life Insurance, Edward Jones, and Gold subforums as well. Could call it the Wasteland subsection. :mrgreen: not srs
lol
by Agggm
Mon Feb 05, 2018 11:13 pm
Forum: Investing - Theory, News & General
Topic: Where Are The 100% Equity Bulls? BND up .44%
Replies: 47
Views: 4668

Re: Where Are The 100% Equity Bulls? BND up .44%

Wishing you had at least 20% bonds to rebalance tomorrow? BND was up .44% today :mrgreen: 😂 100% stock for life here. Nope. Don't want bonds. Not during the tech bust, nor in housing crash; never bonds. I recall when Enron went under; buy more stocks. No timing, just that buy more stocks is my answ...
by Agggm
Mon Feb 05, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course? Edited to Staying the course!
Replies: 22
Views: 2171

Re: Stay the course? Edited to Staying the course!

Advice, please- Finally invested part of my non-retirement saving in the market 2 weeks ago. I know that the general advice is to try to avoid market timing and play the long game. But now I am at a loss of what to do. I invested $10,000 into VTSAX and $8000 into VGTSX. I am a total newbie and like...
by Agggm
Mon Feb 05, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13514

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I've been investing since 1984. Current age is 53. I have a State Government Pension that covers all of my living expenses +. I'm used to volatility and I've ridden out several nasty market corrections and recessions and it always seems like I've come out ahead compared to a mixed stock / bond port...
by Agggm
Mon Feb 05, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15908

Re: Blood in the water- buying?

So this is the general premise, that when there is blood in the water you buy your investments. How many have done this in the last three trading days? How many were actually sitting on enough cash to do so? Especially considering that so many here are not advocates of holding large cash positions ...
by Agggm
Mon Feb 05, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Why bother with separate and Growth and Value index funds?
Replies: 17
Views: 1580

Re: Why bother with separate and Growth and Value index funds?

The Second Grader's Starter portfolio contains significantly less allocation to bonds (only 10% !) 10% in bonds is plenty. That is not my point (I personally hold only 10% IT Treasuries), which readers will see if they read my full post and not your heavily redacted copy. Please don't do that. 🤣 ju...
by Agggm
Mon Feb 05, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: John Bogle and Japanese Stock market.
Replies: 33
Views: 3021

Re: John Bogle and Japanese Stock market.

it can make a difference in the short to medium term. However, long-term, it doesn't make any difference False. There is no reason why currencies can't diverge over long periods of time. Not sure what you've read to form your opinion (although I am interested in reading it), but I was thinking abou...
by Agggm
Mon Feb 05, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Why bother with separate and Growth and Value index funds?
Replies: 17
Views: 1580

Re: Why bother with separate and Growth and Value index funds?

triceratop wrote:
Mon Feb 05, 2018 1:11 am
The Second Grader's Starter portfolio contains significantly less allocation to bonds (only 10% !)
10% in bonds is plenty.
by Agggm
Mon Feb 05, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13514

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

cutehumor wrote:
Sun Feb 04, 2018 10:57 am
I'm 40. I'm at 100% stock (60 US/40 International). I'm weird also. I get happy when the stock market goes up, but I'm also happy when the stock prices drop as I can get the sale.
+1
by Agggm
Mon Feb 05, 2018 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13514

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I've been investing since 1984. Current age is 53. I have a State Government Pension that covers all of my living expenses +. I'm used to volatility and I've ridden out several nasty market corrections and recessions and it always seems like I've come out ahead compared to a mixed stock / bond port...
by Agggm
Sat Feb 03, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: What Would You Do With $100,000 Right Now
Replies: 28
Views: 2808

Re: What Would You Do With $100,000 Right Now

MotoTrojan wrote:
Sat Feb 03, 2018 6:20 pm
Invest per IPS. Have a great dinner out or weekend trip.
+1
by Agggm
Sat Feb 03, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: John Bogle and Japanese Stock market.
Replies: 33
Views: 3021

Re: John Bogle and Japanese Stock market.

sunnywindy wrote:
Fri Feb 02, 2018 8:32 pm
it can make a difference in the short to medium term. However, long-term, it doesn't make any difference
False. There is no reason why currencies can't diverge over long periods of time.
by Agggm
Fri Feb 02, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 6553

Re: Substitute for taking a shower?

Alright. Don't laugh. This is a serious question. Bunch of us guys going to Cape Town for a golf trip. It turns out (Murhphy's law) there is a major draught and water is being limited to 13 gallons per person per day (voluntary limit as of today). We are going to add to their troubles by going ther...
by Agggm
Wed Jan 31, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Doubling of Standard Deduction--Really??
Replies: 56
Views: 6983

Re: Doubling of Standard Deduction--Really??

triceratop wrote:
Wed Jan 31, 2018 5:55 pm
White Coat Investor wrote:
Wed Jan 31, 2018 5:04 pm
"But he didn't say the exemptions went away."

He also didn't say that the brackets were lowered, the child tax credit was expanded etc.
who is "He"?
Trump?
by Agggm
Wed Jan 31, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Doubling of Standard Deduction--Really??
Replies: 56
Views: 6983

Re: Doubling of Standard Deduction--Really??

sport wrote:
Wed Jan 31, 2018 1:22 pm
Nothing
😂
by Agggm
Wed Jan 31, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: Living on Dividends and Interest
Replies: 58
Views: 7442

Re: Living on Dividends and Interest

Nothing wrong with it. Nothing wrong with reinvesting dividends and living off of principal, either. Money is fungible so it does not matter where it comes from. What matters is the amount and living within your means. Do keep an eye on tax efficiency, since bond dividends are taxed as ordinary inc...
by Agggm
Wed Jan 31, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Motif Investing, 2018 change in fees
Replies: 16
Views: 1064

Re: Motif Investing, 2018 change in fees

Drop Motif. I agree. There are plenty of brokerages that let you invest in the ETFs that you should want to own for no-commission. That is, no extra fees. I just imagine that the Motif business model was to make a bunch of people rich. After they got enough clients, they would try to sell themselve...
by Agggm
Wed Jan 31, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund vs. Stable Value
Replies: 34
Views: 2948

Re: Bond Fund vs. Stable Value

Chester1a wrote:
Wed Jan 31, 2018 10:01 am
I would appreciate any opinions on whether I should use a bond index fund or a stable value fund in my 401k as part of my 3-fund portfolio.

My choices are: Morley Stable Value or Fidelity U.S. Bond Index (FSXTS).

Thanks in advance!
Use both.
by Agggm
Wed Jan 31, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Motif Investing, 2018 change in fees
Replies: 16
Views: 1064

Re: Motif Investing, 2018 change in fees

I invested $10,000 at Motif Investing about 6 months ago. The fractional shares and minimal fees were compelling, and I thought the Kings of K Street Motif was an interesting idea - worthy of a small percentage of my total investments. I had calculated that if I held it for several years, the expen...
by Agggm
Wed Jan 31, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best place to park cash
Replies: 32
Views: 2480

Re: Best place to park cash

Hi, Our current savings account in bank pays 0.15% interest. Wondering where is the best place to park cash (50K). Until we decide where to invest, what would be the best place to park the cash so it can earn more interest ? Thanks Cit bank has 1.55%. Check local banks too. Mine has over 2.5%.
by Agggm
Tue Jan 30, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: $30k sitting in savings, want to invest
Replies: 8
Views: 866

Re: $30k sitting in savings, want to invest

Hello! I am new to investing, and recently read Bogle's book of common sense investing, as well as much of the boglehead wikipedia. I am seeking some advice: My wife and I (recently married) received around $30k for our wedding. Right now it is sitting in a savings account, but with low interest ra...
by Agggm
Tue Jan 30, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Opportunity to buy company stock at a discount
Replies: 30
Views: 1575

Re: Opportunity to buy company stock at a discount

A company that I recently applied to work for was reviewing the benefits, and one they mentioned to perked my interest. At this particular company, I could defer up to $6,000 a year to purchase shares of the company stock at a 15% discount. I would be required to keep the stock for a minimum of 6 m...
by Agggm
Tue Jan 30, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Opportunity to buy company stock at a discount
Replies: 30
Views: 1575

Re: Opportunity to buy company stock at a discount

A company that I recently applied to work for was reviewing the benefits, and one they mentioned to perked my interest. At this particular company, I could defer up to $6,000 a year to purchase shares of the company stock at a 15% discount. I would be required to keep the stock for a minimum of 6 m...
by Agggm
Sun Jan 28, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: A Not Paying Off the Mortgage Thread
Replies: 38
Views: 5265

Re: A Not Paying Off the Mortgage Thread

I think you've really distracted yourself and lost focus. I would do everything I can to simplify your plans, goals, and strategy. Your post captures your distracted-ness - it's hard to read :happy See if you can come up with a financial strategy for yourself in list format, using 10 lines or less....
by Agggm
Sun Jan 28, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Impreza vs Corolla
Replies: 27
Views: 1704

Re: Impreza vs Corolla

stlutz wrote:
Sun Jan 28, 2018 7:13 pm
Which of the two is the better car?
If you want a car that is fun to drive, the Impreza. If you want a car that will go 300,000 miles as long you maybe change the oil every 4 or 5 years, the Corolla.
😂😂😂
by Agggm
Sun Jan 28, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Investment thought loops have been destroying me
Replies: 31
Views: 1331

Re: Investment thought loops have been destroying me

I feel shameful to even have to put this out in the open as I read many heartbreaking stories here with people with specific struggles with financial issues. However, I am far from having a specific tangible issue. In fact, I expect some to find this completely ridiculous. My struggle is mental. Th...
by Agggm
Sun Jan 28, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Ways to Protect Assets Without a Prenup
Replies: 48
Views: 3416

Re: Ways to Protect Assets Without a Prenup

All- I'd like some advice on any decisions that can be made in advance of my marriage this October to protect pre-marital assets. A prenup is off the table for me so I'm referring to things that can be done subtly that would help me avoid a big hit if something went terribly wrong in marriage. I wa...
by Agggm
Sat Jan 27, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Here's my net worth....I max everything out.....now what?
Replies: 64
Views: 11458

Re: Here's my net worth....I max everything out.....now what?

What I would do: 1) Identify how much cash I'd like to hold for emergencies and comfort. 2) Use all other cash to pay down various mortgages. 3) Learn about asset allocation and placing different asset classes in the proper tax advantaged spaces. 4) Abandon target date funds and implement strategie...
by Agggm
Thu Jan 25, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 46
Views: 2934

Re: What will you do with your tax refund?

I'm getting a nice sized refund, mostly by amending 2016 to account for my IRA contribution last year, as well as repairs to my duplex. So its not really coming out ahead in any way, but its a decent influx. Part of me wants to do something fancy with it, like pay off the last bit of student loans;...