Search found 247 matches

by RamblinDoc
Fri Jan 15, 2021 1:52 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3650
Views: 276728

Re: Small Cap Value heads Rejoice !!!

Curious, what percentage is everyone’s tilts? :beer 7.5% tilt to small caps 7.5% tilt to REITs Otherwise basically a Bogleheads 3-fund for the rest How did you get to 7.5%? Nothing magical. Everyone says 5% or less of something in your portfolio doesn’t make a difference, so I upped it to 7.5% :P A...
by RamblinDoc
Fri Jan 15, 2021 1:11 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3650
Views: 276728

Re: Small Cap Value heads Rejoice !!!

manlymatt83 wrote: Thu Jan 14, 2021 11:50 pm Curious, what percentage is everyone’s tilts? :beer
7.5% tilt to small caps
7.5% tilt to REITs
Otherwise basically a Bogleheads 3-fund for the rest
by RamblinDoc
Thu Dec 31, 2020 2:37 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? ...Four Years Later
Replies: 255
Views: 43025

Re: Learning Violin as an adult? ...Four Years Later

Four years now since my original post below, a four piece playing sample at the back of the thread. Congratulations on your progress! With what you know now, what advice would you give to someone learning to play? I am interested in learning to play the violin. For example, in hindsight, would you ...
by RamblinDoc
Sun Sep 06, 2020 9:26 pm
Forum: Personal Investments
Topic: Portfolio suggestions & critics
Replies: 6
Views: 436

Re: Portfolio suggestions & critics

This looks reasonable.

You will get more actionable information if you read this link and post your information according to the suggested format.

viewtopic.php?f=1&t=6212
by RamblinDoc
Sat Aug 01, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!
Replies: 279
Views: 15539

Re: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!

To a someone with a hammer, the solution to every problem is a nail. To index fund providers, the answer to retirement is stock and bond index funds. To insurance agents, the answer is annuities and insurance. To mortgage companies, the answer is a reverse mortgage. If you REALLY listen to what Dr....
by RamblinDoc
Tue Jul 07, 2020 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Erroneous Urgent Care Bill....it keeps coming!
Replies: 25
Views: 2940

Re: Erroneous Urgent Care Bill....it keeps coming!

I’m confused. The physicians who respond to posts like this usually say to just pay it. /s I doubt that. Not if you already paid. I already paid my portion and our insurance company already paid their portion. We confirmed with the Urgent Care place that our bill is paid in full...However, despite ...
by RamblinDoc
Tue Jul 07, 2020 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Erroneous Urgent Care Bill....it keeps coming!
Replies: 25
Views: 2940

Re: Erroneous Urgent Care Bill....it keeps coming!

I would send a certified letter addressed to management, reviewing the relevant account details and history, ask them to resolve it within 30 days and send written confirmation, and if they don’t, you will escalate to: Fair Debt Collections Practices, CMS, state medical boards, etc. not a lawyer an...
by RamblinDoc
Tue Jul 07, 2020 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Erroneous Urgent Care Bill....it keeps coming!
Replies: 25
Views: 2940

Re: Erroneous Urgent Care Bill....it keeps coming!

adamthesmythe wrote: Mon Jul 06, 2020 10:12 pm > they are either daft or evil.

Had something similar happen to me. I would go for daft, evil, and incompetent.
Did you need to do anything unique to resolve your similar problem?
by RamblinDoc
Tue Jul 07, 2020 1:53 am
Forum: Personal Finance (Not Investing)
Topic: Erroneous Urgent Care Bill....it keeps coming!
Replies: 25
Views: 2940

Re: Erroneous Urgent Care Bill....it keeps coming!

2pedals wrote: Mon Jul 06, 2020 10:05 pm Does your insurance company know they credited the wrong account?
Yes. And we even facilitated a phone conversation between the clinic and our insurance company. This supposedly resulted in clarity and acknowledgment that our balance was clear. Yet we continue to receive a bill.
by RamblinDoc
Mon Jul 06, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Erroneous Urgent Care Bill....it keeps coming!
Replies: 25
Views: 2940

Erroneous Urgent Care Bill....it keeps coming!

My spouse went to an Urgent Care clinic last year. Our insurance covered it. A few months ago, we started getting a bill from the Urgent Care clinic - they said the insurance company never paid. Over the past few months, and many phone calls later, it turns out the Urgent Care clinic associated our ...
by RamblinDoc
Sat Apr 25, 2020 9:45 pm
Forum: Personal Investments
Topic: TLH - but now have short terms gains!
Replies: 19
Views: 1294

Re: TLH - but now have short terms gains!

Thank you all. I’m fine holding either fund forever. The OCD person in me likes to have the fewest funds possible. Plus it screws up my AA Excel document - But that’s not a deal breaker and easily remedied. Perhaps I’ll consolidate if there is another downturn in the near future. DAF is another grea...
by RamblinDoc
Sat Apr 25, 2020 6:30 pm
Forum: Personal Investments
Topic: TLH - but now have short terms gains!
Replies: 19
Views: 1294

TLH - but now have short terms gains!

I tax loss harvested in early March 2020 - exchanged some VTSAX (total US market index) for VFIAX (S&P 500 index). This gave me a sizable amount of both short and long term losses to track. I also purchased additional VFIAX near the bottom. I did the same with total international index. Now that...
by RamblinDoc
Mon Apr 20, 2020 1:44 am
Forum: Personal Investments
Topic: TSP: G and F fund
Replies: 30
Views: 3874

Re: TSP: G and F fund

Delete - in error
by RamblinDoc
Mon Apr 20, 2020 1:44 am
Forum: Personal Investments
Topic: TSP: G and F fund
Replies: 30
Views: 3874

Re: TSP: G and F fund

Delete - in error
by RamblinDoc
Mon Apr 20, 2020 1:43 am
Forum: Personal Investments
Topic: TSP: G and F fund
Replies: 30
Views: 3874

Re: TSP: G and F fund

If you can’t decide and either seem reasonable, consider going 50:50 (G:F) for your desired bonds. Then, you’ll only be half wrong in retrospect. :wink:
by RamblinDoc
Tue Mar 24, 2020 10:50 am
Forum: Personal Investments
Topic: I just rebalanced back to my AA. It gave me a little pause.
Replies: 18
Views: 1724

Re: I just rebalanced back to my AA. It gave me a little pause.

I am considering rebalancing OUT of equities since I did my rebalancing before today on RBDs. First, glad to see you active again on the forum! Second, are you now rebalancing out of equities because they are out of balance, or are you changing your desired asset allocation to be weighted less in e...
by RamblinDoc
Fri Mar 20, 2020 1:54 pm
Forum: Personal Investments
Topic: I-bonds - transition a portion of EF? Exchange from Munis?
Replies: 5
Views: 310

Re: I-bonds - transition a portion of EF? Exchange from Munis?

fujiters wrote: Fri Mar 20, 2020 1:48 pm I think I bonds are great and I invest in them in preference to most other bond types, munis included. I say go for it, assuming you definitely won't need the money for at least a year.

Thanks!
by RamblinDoc
Fri Mar 20, 2020 1:54 pm
Forum: Personal Investments
Topic: I-bonds - transition a portion of EF? Exchange from Munis?
Replies: 5
Views: 310

Re: I-bonds - transition a portion of EF? Exchange from Munis?

I don't have any thoughts about your plan. I just want to point out that you will be penalized (3 months of interest) for redeeming your I-bonds within the first 5 years. The initial 12 months is a period when you can't redeem your I-bonds at all. See TreasuryDirect's FAQ . Good point. I wouldn't i...
by RamblinDoc
Fri Mar 20, 2020 10:41 am
Forum: Personal Investments
Topic: I-bonds - transition a portion of EF? Exchange from Munis?
Replies: 5
Views: 310

I-bonds - transition a portion of EF? Exchange from Munis?

Looking at all of the rate changes, I was considering the following and wanted your thoughts: 1. I planned to purchase the max of I-bonds prior to the May rate drop. Then, after the 12-month wait (where you can withdrawal without penalty), or perhaps sooner, consider that as a portion of my Emergenc...
by RamblinDoc
Sat Feb 29, 2020 3:07 am
Forum: Personal Investments
Topic: Afraid to take the leap
Replies: 61
Views: 9569

Re: Afraid to take the leap

Stef wrote: Sat Feb 29, 2020 2:32 am Worst part is that friends are telling me on a daily basis how stupid I was for investing everything right at the top. I must hear things like "Why didn't you wait for a crash like me? I told you it's gonna happen?".
Sounds like you need some new friends.
by RamblinDoc
Sun Feb 09, 2020 12:57 am
Forum: Personal Investments
Topic: Should I invest in this rental property?
Replies: 11
Views: 1366

Re: Should I invest in this rental property?

I co-own a rental property with brothers. It's a single family home in Grants Pass Oregon that rents for $1225/month. I am already 1/3 owner of the property. One of the other 1/3 owners is willing to sell his part for $54,000. I'm trying to figure out whether this would be a good investment. Zillow...
by RamblinDoc
Mon Jan 27, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: BlackTux - buy your rental?!
Replies: 8
Views: 850

Re: BlackTux - buy your rental?!

Thank you for everyone’s insight. To clarify - the item in question is a navy blue suit (not a tux - Blacktux is the name of the company). Suit seems nice - tailored to fit, has pick stitching. Purchasing used seems like a great deal for a suit that would get many more uses. Comes with nice leather ...
by RamblinDoc
Sun Jan 26, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: BlackTux - buy your rental?!
Replies: 8
Views: 850

BlackTux - buy your rental?!

Has anyone used the BlackTux and then purchased their rental? I've been in several weddings recently and the tuxes/suits were from the BlackTux (a company that grooms can select outfits and the wedding party can physically get measured in select Nordstrom stores, then the tux/suits arrive in the mai...
by RamblinDoc
Thu Nov 21, 2019 2:11 am
Forum: Personal Investments
Topic: Do you keep deposting money into IRA while "market crashes"?
Replies: 44
Views: 4598

Re: Do you keep deposting money into IRA while "market crashes"?

If (hopefully it won't happen) the market crashes would I continue to still feed money into my Roth IRA? If you have a long Investing horizon (5-10+ years), yes, you keep investing according your your plan. The dips potentially yield the bigger gains if the market recovers. Personally, I hope a cor...
by RamblinDoc
Thu Oct 24, 2019 8:06 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA for child?
Replies: 10
Views: 925

Re: Backdoor Roth IRA for child?

It is not a nuisance account +1 and as stated above, assuming he/she is under the income limit ( :D ) child can just do the regular Roth IRA (not backdoor) assuming the chosen brokerage allows child accounts and child meets minimums. Historically, Schwab and Fidelity have been slightly more friendl...
by RamblinDoc
Thu Oct 24, 2019 4:42 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA for child?
Replies: 10
Views: 925

Re: Backdoor Roth IRA for child?

It is not a nuisance account +1 and as stated above, assuming he/she is under the income limit ( :D ) child can just do the regular Roth IRA (not backdoor) assuming the chosen brokerage allows child accounts and child meets minimums. Historically, Schwab and Fidelity have been slightly more friendl...
by RamblinDoc
Thu Oct 24, 2019 4:41 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA for child?
Replies: 10
Views: 925

Re: Backdoor Roth IRA for child?

How much did your child earn in 2019? Vanguard requires $1,000 to open a Roth IRA with one of the target retirement funds & I believe $1 minimum for future contributions. I believe that other mutual fund companies (Fidelity?) have no minimum to open a Roth IRA. Start them early so they have yea...
by RamblinDoc
Thu Oct 24, 2019 12:17 am
Forum: Personal Investments
Topic: Backdoor Roth IRA for child?
Replies: 10
Views: 925

Backdoor Roth IRA for child?

One of my kids has some earned income this year. That kid has heard me talk about investing in index funds ad nauseam and asked me to put the earned income into a Roth IRA. Boglehead win! 8-) If my spouse and I do backdoor Roth IRAs due to our income limits, will our child also have to do backdoor R...
by RamblinDoc
Wed Oct 02, 2019 1:24 pm
Forum: Personal Investments
Topic: TSP Help
Replies: 11
Views: 1099

Re: TSP Help

You will get more actionable responses if you frame your question(s) and provide background information according to this format: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Determining how to allocate your TSP depends on how much (%) is in your other accounts. The portfolio (all o...
by RamblinDoc
Sun Sep 29, 2019 10:52 pm
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3895

Re: TSP: Moving out of G Fund to F?

Nobody knows the future - both are good fixed income funds. The F fund has performed better in the past but is not without its risks (especially if interest rates rise). The G fund is “safe” but you pay a premium on it with lower returns. Personally, I keep it 50:50 for G:F funds. Then, if I dwell o...
by RamblinDoc
Sat Aug 17, 2019 10:48 am
Forum: Investing - Theory, News & General
Topic: I and EE bonds
Replies: 17
Views: 2924

Re: I and EE bonds

Could the Fed make the composite rate negative? If so, this could eat into the fixed rate and get rid of the “free lunch”.

I’m curious - I’ve been entertaining adding I-bonds to my portfolio.
by RamblinDoc
Sat Aug 17, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: I and EE bonds
Replies: 17
Views: 2924

Re: I and EE bonds

bhtomj wrote: Sat Aug 17, 2019 12:07 am RamblinDoc,
Related to the rate question, EE fixed is .10%, I is .50%. Here are two useful links to Treasury Direct:
https://www.treasurydirect.gov/news/pre ... atespr.htm
https://www.treasurydirect.gov/indiv/re ... s.htm#past
Thank you!
by RamblinDoc
Fri Aug 16, 2019 11:46 pm
Forum: Investing - Theory, News & General
Topic: I and EE bonds
Replies: 17
Views: 2924

Re: I and EE bonds

The treasury is currently selling I bonds with a real rate of 0.5% (nominal floor 0%)... Forgive me, I’m still learning the nuances of various bonds. However, how did you calculate the real rate of return at 0.5% for I-bonds? I see the fixed rate is 0.10% and the composite rate is currently 1.9%. D...
by RamblinDoc
Thu Aug 01, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 16570

Re: Why won’t anyone hire me?

Don’t get discouraged - with a gap in employment history and little education/training, you have somewhat of an uphill battle. However, it is not impossible so do not lose hope! You had 20 interviews - this is a great sign that your application grabs attention. I suggest that you circle back to the ...
by RamblinDoc
Sat Jul 20, 2019 8:18 pm
Forum: Personal Investments
Topic: What tilt(s) have you adopted?
Replies: 28
Views: 2160

Re: What tilt(s) have you adopted?

I tilt 7.5% REIT and 7.5% Small Cap.

The rest are the usual total market indexes (total US, total international...)
by RamblinDoc
Sun Jul 14, 2019 3:11 pm
Forum: Personal Investments
Topic: WWYD [What Would You Do] - Bond preference and why?
Replies: 9
Views: 885

Re: WWYD - Bond preference and why?

I guess I would have to weigh an increase in my taxable account versus having a higher balance in my Roth 401(k) and even perhaps down the road think about QCD's, too. I would probably still not use the Roth 401(k) I guess because the larger taxable account from the get-go allows larger gifting to ...
by RamblinDoc
Sun Jul 14, 2019 1:18 pm
Forum: Personal Investments
Topic: WWYD [What Would You Do] - Bond preference and why?
Replies: 9
Views: 885

Re: WWYD - Bond preference and why?

One can always do Roth conversions. True But I would retire before the pension kicked in. Let’s say you are in the military and the pension kicks in immediately after you serve 20 years and get out. You’ll be in at least a moderate tax bracket for ever then. Does that affect your decision?
by RamblinDoc
Sun Jul 14, 2019 11:33 am
Forum: Personal Investments
Topic: WWYD [What Would You Do] - Bond preference and why?
Replies: 9
Views: 885

Re: WWYD - Bond preference and why?

Truthfully, I would switch Roth TSP to be tax-deferred and make it G fund. I would invest the tax savings tax-efficiently in a taxable account. I would retire earlier than planned, too, so that I didn't end up in a higher tax bracket in retirement. Even if you expect to have a pension that fills up...
by RamblinDoc
Sun Jul 14, 2019 1:57 am
Forum: Personal Investments
Topic: WWYD [What Would You Do] - Bond preference and why?
Replies: 9
Views: 885

Re: WWYD - Bond preference and why?

mcraepat9 wrote: Sat Jul 13, 2019 7:16 pm Prefer to leave Roth space for higher growth equities.
Agree!
by RamblinDoc
Sat Jul 13, 2019 7:13 pm
Forum: Personal Investments
Topic: WWYD [What Would You Do] - Bond preference and why?
Replies: 9
Views: 885

WWYD [What Would You Do] - Bond preference and why?

Let's say you ran out of pre-tax space for bonds - for example, you mostly have Roth TSP, Roth IRA, and taxable accounts for retirement. 22% tax bracket (MFJ), mid-thirties, still in accumulation phase with 20 years before retiring and expect to be in a higher tax bracket later in life (high income ...
by RamblinDoc
Thu Jun 27, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: Monthly Contributions for New Boglehead
Replies: 3
Views: 448

Re: Monthly Contributions for New Boglehead

It is great that you’ve decided to manage things yourself! That will save you lots of money (by reducing cost). It appears that all of this is in a taxable account? What is the purpose of this account - retirement? Do you have any tax deferred/sheltered retirement accounts? Do you have an emergency ...
by RamblinDoc
Wed Jun 12, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: Karsten (Early Retirement Now) Pens a Challenge to Merriman and the Small/Value Premium
Replies: 68
Views: 7133

Re: Karsten (Early Retirement Now) Pens a Serious Challenge to Merriman and the Small/Value Premium

https://earlyretirementnow.com/2019/06/12/my-thoughts-on-small-cap-and-value-stocks/#more-40580 As usual with ERN, this is a very detailed analysis. I began an attempt to summarize his conclusions, but it's too difficult - better to read directly if you're interested. Thank you for sharing this! I ...
by RamblinDoc
Thu Jun 06, 2019 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Transfer: How Long to Remove Track Your Transfer Link
Replies: 7
Views: 1195

Re: Vanguard Transfer: How Long to Remove Track Your Transfer Link

I transferred my Fidelity Solo 401(k) to Vanguard last month. My transfer has been settled for a while now. Does anyone know how long before the "track your transfer" link goes away? My account had that link for over a year - I finally got tired of it and contacted Vanguard. They apologiz...
by RamblinDoc
Sun May 26, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Port Townsend-Pacific Northwest
Replies: 33
Views: 2982

Re: Port Townsend-Pacific Northwest

My wife and I are considering a summer home in Port Townsend in order to beat the heat in Houston. I am self-employed and in the "I'll never retire" camp, this might be a good transition in case I change my mind. Any thoughts on this area? Allan My spouse and I love that town - considerin...
by RamblinDoc
Fri May 10, 2019 10:09 pm
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 14542

Re: What is your U.S./ex-U.S. stock allocation?

Equities
70% US : 30% ex-US