Search found 157 matches

by RamblinDoc
Sun Jan 20, 2019 3:15 am
Forum: Investing - Help with Personal Investments
Topic: Storage facility as investment.
Replies: 25
Views: 2450

Re: Storage facility as investment.

PSA (Public Storage, a REIT stock) has been very good to me over the last 15 years. The dividend has also been rising at a double digit rate. Owning and operating a storage facility is a full time job, but is something that can be done by someone with a high school education. Ralph Do you own PSA i...
by RamblinDoc
Thu Jan 17, 2019 3:33 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 847
Views: 43514

Re: John Bogle has died at age 89

Godspeed, Sir!

Thank you for your selfless service and desire to share sage advice. Your wisdom changed my life (and my family’s lives) forever.
by RamblinDoc
Sat Jan 05, 2019 11:09 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on placing REITs in Roth IRA?
Replies: 16
Views: 1188

Re: Thoughts on placing REITs in Roth IRA?

autopeep wrote:
Sat Jan 05, 2019 8:30 pm
Yep. Its totally reasonable to hold REITs in a Roth IRA.
Stinky wrote:
Sat Jan 05, 2019 9:04 pm
Agreed. That's where I hold my REIT assets.
I put mine there too. IF you want to own REITs (folks have mixed feelings about owning them), then Roth IRAs are the preferred place for them.
by RamblinDoc
Sat Jan 05, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Windows 10 / Office 2019 headache
Replies: 24
Views: 1581

Windows 10 / Office 2019 headache

I tried to avoid updating to Windows 10. Unforunately, MS Word is making me update to Office 2019 (apparently my old license expired). After downloading the latest Office suite, it is making me upgrade to Windows 10 to complete the install.

Are there any better (other) ways to work around this?
by RamblinDoc
Tue Jan 01, 2019 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Proxy For TSP “I” Fund please
Replies: 8
Views: 682

Re: Proxy For TSP “I” Fund please

FYI, sometime in 2019, the TSP I-fund will change what index it tracks. “...2019 and will begin tracking the Morgan Stanley Capital International All Country World Ex-US Investable Market Index (MSCI ACWI Ex-US IMI.” Source: https://www.google.com/amp/s/federalnewsnetwork.com/commentary/2018/04/a-br...
by RamblinDoc
Tue Jan 01, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 674
Views: 12421

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

S&P 500 will be 3003 on 31 December 2019

There will be a last minute rally to break 3k
by RamblinDoc
Mon Dec 31, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1789

Re: Happy New Year Do you have plans?

Just ran out to the 99 Ranch Market and bought some roast duck. That will be my New Year's Eve dinner (and several more meals). New Year's Eve duck is sort of a new tradition for me. Then tonight I plan to watch two different versions of Wuthering Heights, one that I recorded from PBS and the other...
by RamblinDoc
Fri Dec 28, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Savings rate in Personal Capital
Replies: 2
Views: 407

Re: Savings rate in Personal Capital

tea_pirate wrote:
Fri Dec 28, 2018 7:09 am
TSP contributions are counted in the retirement savings block at the bottom center, which accounts for "net inflows to investment accounts." But it's an annual savings tracker, so if you care about monthly savings you'll have to add TSP contributions to cash flow manually.
Thanks!
by RamblinDoc
Fri Dec 28, 2018 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Savings rate in Personal Capital
Replies: 2
Views: 407

Savings rate in Personal Capital

I’m trying to assess if PC tracked my savings rate correctly. From what I gather, we just have to manually add 401k/TSP contributions to our cashflow, correct? It didn’t seem to factor in “retirement contributions” for 401ks anywhere.
by RamblinDoc
Mon Dec 10, 2018 7:58 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 62
Views: 7343

Re: Article: Your love of index funds is terrible for our economy

This part of their logical argument seems counter intuitive. Index funds contribute to market melt-ups and meltdowns [...] A big part of the problem is that big index funds like the ones representing the S&P 500 SPX, -0.09% and the Dow Jones Industrial Average DJIA, -0.18% are bunched up in the sam...
by RamblinDoc
Sun Dec 02, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 580
Views: 59747

Re: What frugal thing did you do today?

I was at the public library with the family and checked out the Bogleheads Guide to Investing (surprisingly, I’ve never read the whole book before). They had free coffee...and I hadn’t shaved in a week.
by RamblinDoc
Sat Dec 01, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: The Coming Retirement Crisis - Real Vision
Replies: 14
Views: 3230

Re: The Coming Retirement Crisis - Real Vision

There is a real 'retirement crisis'. I have not watched this video (yet)... but I am immediately skeptical about what a hedge fund guy is going to be trying to sell me in a video with such ominous background music. Agreed - I tried not to laugh at the frequent ominous musical transitions. However, ...
by RamblinDoc
Sat Dec 01, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: The Coming Retirement Crisis - Real Vision
Replies: 14
Views: 3230

The Coming Retirement Crisis - Real Vision

Has anyone watched this?

https://m.youtube.com/watch?v=5OFaZcC0lRU

It is one of several videos from Real Vision (Raoul Paul). Interesting analysis - curious what this group thinks/knows about him.
by RamblinDoc
Wed Oct 24, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k / Business checking - which company?
Replies: 3
Views: 245

Re: Solo 401k / Business checking - which company?

I don't have anything to contribute regarding which company you should use considering the 401K. Regarding the business checking account, have you googled the need for a business checking account in your situation or checked other Bogleheads threads? I researched this (again) a few months ago for m...
by RamblinDoc
Wed Oct 24, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k / Business checking - which company?
Replies: 3
Views: 245

Solo 401k / Business checking - which company?

I have an EIN as a sole-proprietorship for some contract work I will be doing. I'd like to set up a business checking account and solo 401k for this purpose. While weighing the options, I'm looking for a Solo 401k that offer Roth contributions, charge no fees and allows access to BH-style index fund...
by RamblinDoc
Tue Oct 23, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 for Solo 401k
Replies: 9
Views: 769

Re: 1099 for Solo 401k

Seems to me that if you have an EIN anyway, you should use that on the W-9 and have them issue the 1099s to the EIN (rather than spreading your SSN around). That was what I initially thought. Some comments above suggest otherwise. Perhaps it doesn't matter much? I don't see comments that contradict...
by RamblinDoc
Tue Oct 23, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: 1099 for Solo 401k
Replies: 9
Views: 769

Re: 1099 for Solo 401k

Usually best to use a separate checking account for the sole prop's 1099 deposits. In my case I simply opened a second account at my credit union and EFT'd/ACH'd funds around as needed. Since I used my legal name as my business name the CU was none the wiser (and expressly proclaimed that they didn...
by RamblinDoc
Tue Oct 23, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: 1099 for Solo 401k
Replies: 9
Views: 769

Re: 1099 for Solo 401k

I am assuming the locum work is a physician performing professional services. It is a common myth that an LLC provides liability protection is such situations. Personal services provided by the owner(s) of an LLC receive little to no liability protection. Unless you have the extended trappings of a...
by RamblinDoc
Mon Oct 22, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: 1099 for Solo 401k
Replies: 9
Views: 769

1099 for Solo 401k

I will be doing some recurrent contract work starting next year (locums) and would like to set up a Solo 401k to increase my tax-advantage balances. This will be paid as a 1099 to me. I currently max my current job's 401K (and my/souse Roth IRA). Therefore, I understand that the Solo 401K contributi...
by RamblinDoc
Mon Sep 10, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6755

Re: Hurricane Florence - survival guide

If you use your generator, remove the spark plug from your lawn mower. Thieves stole my neighbor’s generator after a hurricane when I lived near the Gulf. They broke into his shed, moved the mower next to the generator and turned it on. Then they turned the generator off and stole it. The owners did...
by RamblinDoc
Thu Sep 06, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Any experience with Realty Mogul or Fundrise?
Replies: 13
Views: 2430

Re: Any experience with Realty Mogul or Fundrise?

I started with Fundrise less than a month ago (eREIT product, growth portfolio). My target is more access to real estate investment return similar to owning rentals without having to get into the rental business. I'm starting with a small monthly allocation for now just to see how it works out (~5%...
by RamblinDoc
Sun Sep 02, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Any experience with Realty Mogul or Fundrise?
Replies: 13
Views: 2430

Re: Any experience with Realty Mogul or Fundrise?

I started with Fundrise less than a month ago (eREIT product, growth portfolio). My target is more access to real estate investment return similar to owning rentals without having to get into the rental business. I'm starting with a small monthly allocation for now just to see how it works out (~5%...
by RamblinDoc
Thu Jul 12, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20198

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Breakdown

Being Boglehead
by RamblinDoc
Thu Jul 12, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20198

Re: COMING SOON: BOGLEHEADS PODCASTS

Rick Ferri wrote:
Thu Jul 12, 2018 12:05 pm
What do you think about calling the podcast “Bogle’s Folly”

Comments?
Do you mean it in a playful or foolish way?

Perhaps: “Bogle’s Black Box” or Bogleheads’ Black Box
by RamblinDoc
Wed Jul 04, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Skillful at saving but not investing
Replies: 37
Views: 4005

Re: Know how to save. No clue how to invest.

Welcome!

I suspect you will get much better advice if you let us know more about your situation.

Please follow the instructions on posting portfolios here: viewtopic.php?f=1&t=6212
by RamblinDoc
Tue Jun 26, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1218

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

However, I couldn't make my mind up to go 100% Roth TSP (part of me enjoyed the tax benefits now to free up money to go into a taxable account). So I settled for 50:50 Roth:Traditional in the TSP. Now, I only feel half as bad when I think about the negative consequences of each option! :D I think y...
by RamblinDoc
Mon Jun 25, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1218

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

What is your marginal/highest tax rate? If you want to be 70/30, then I would make your mix 70/30 in the TSP/401k. If you change jobs you can roll your 401k to a Rollover IRA (pre-tax part) and to your Roth IRA (Roth part). Until then, I don't think it is worth it to try to bucket inside your 401k....
by RamblinDoc
Mon Jun 25, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1218

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

There is one school of thought that people with a pension should choose more Roth. Have you seen that? https://thefinancebuff.com/most-tsp-participiants-should-switch-to-the-roth-tsp.html Thanks! I've seen that - that is why I started adding to the Roth TSP. However, I couldn't make my mind up to g...
by RamblinDoc
Mon Jun 25, 2018 9:05 pm
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1218

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

What is your marginal/highest tax rate? If you want to be 70/30, then I would make your mix 70/30 in the TSP/401k. If you change jobs you can roll your 401k to a Rollover IRA (pre-tax part) and to your Roth IRA (Roth part). Until then, I don't think it is worth it to try to bucket inside your 401k....
by RamblinDoc
Mon Jun 25, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1218

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

Regarding the new TSP Modernization Act - do you know if we can take the traditional portion and convert to a Roth IRA but keep the Roth TSP portion? I think once the changes are implemented, you'll be able to make a withdrawal (specifying that it comes entirely out of your traditional balance), ro...
by RamblinDoc
Mon Jun 25, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1218

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

Thankfully the TSP Modernization Act means that in 2019 we'll be able to make withdrawals while specifying whether they come out of traditional, Roth, or both. That is awesome! It was my fear that I wouldn't be able to specify withdrawals from either the traditional or Roth separately. The current ...
by RamblinDoc
Mon Jun 25, 2018 2:02 am
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1218

Still re-balance in TSP/401k if it is split between traditional and Roth?

General question - I'm probably making this more complicated that it is worth and need re-direction. The general advice is to usually use your 401k (or TSP if in federal government) to re-balance. That makes sense - it is tax-deferred and likely holds bonds and equities. While Roth IRA generally is ...
by RamblinDoc
Sun Jun 17, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5988

Re: What are your hobbies?

- Reading (news, finance, history and medicine)
- Hiking, camping and fishing
- Running and lifting weights
- Gardening
- Traveling
- Cooking
- Eating
- Smoking meat
- Music
- Learning new skills
- Being in the sunshine
- Being around people who enjoy life and have similar interests
by RamblinDoc
Sat Jun 16, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Multi-year Service Agreement - take it now or later?
Replies: 4
Views: 523

Re: Multi-year Service Agreement - take it now or later?

Thanks, Nords! I always appreciate your insight. As a side note, you were one of the people who gave me the best advice - don't buy a home in the military. That put me at peace and gave me a different perspective on my 'numbers' - now we are aggressively building our diversified nest egg instead. T...
by RamblinDoc
Sat Jun 16, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Multi-year Service Agreement - take it now or later?
Replies: 4
Views: 523

Re: Multi-year Service Agreement - take it now or later?

Well, one way would be to opt in to the Blended Retirement System now, so that your DoD matching TSP contributions will compound faster than the portion of the High Three pension you'll give up. If you're already opted in to the BRS then you could serve concurrent obligations by signing up for the ...
by RamblinDoc
Fri Jun 15, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Multi-year Service Agreement - take it now or later?
Replies: 4
Views: 523

Multi-year Service Agreement - take it now or later?

My military obligation will put me at 17 years (~9 years from now). I know I will stay in for 20 to retire with a pension. Therefore, I will sign a three year service agreement at some point. It is not an insignificant agreement - around 30k per year for three years if I’m not mistaken for my specia...
by RamblinDoc
Sun Jun 03, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 13722

Re: To be or not to be complex, that is the question

To some extent, ‘simplicity’ and ‘complexity’ are relative. For example, I have a 3-fund core portfolio with SCV and REIT tilts. I consider this “simple” since my tilts will always be weighted according to my IPS. I won’t deviate from that and only rebalance when my pre-defined thresholds are met (...
by RamblinDoc
Sun Jun 03, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 13722

Re: To be or not to be complex, that is the question

To some extent, ‘simplicity’ and ‘complexity’ are relative. For example, I have a 3-fund core portfolio with SCV and REIT tilts. I consider this “simple” since my tilts will always be weighted according to my IPS. I won’t deviate from that and only rebalance when my pre-defined thresholds are met (a...
by RamblinDoc
Fri May 25, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Rowing machine
Replies: 32
Views: 2903

Re: Rowing machine

Concept 2

Anything less and you will regret it.
by RamblinDoc
Sat May 05, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: What do you pay baby sitters?
Replies: 53
Views: 5719

Re: What do you pay baby sitters?

whodidntante wrote:
Sat May 05, 2018 4:20 pm
Children have a serious expense ratio.
...and horrible front and back-loaded fees (birth and college/wedding respectively)!
by RamblinDoc
Fri Apr 27, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: New portfolio advice
Replies: 12
Views: 1120

Re: New portfolio advice

People have different opinions about allocation, however 10% fixed income may be a bit low for someone approaching 40 years of age. To each their own. Will you stress out and deviate from your plan if the equity portion of your portfolio drops substantially? If so, I'd adjust the ratio a bit. If no...
by RamblinDoc
Fri Apr 27, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: New portfolio advice
Replies: 12
Views: 1120

Re: New portfolio advice

MexiPino, Do you have access to a 401k type plan or something that matches contributions at work? If so, you may consider a funding priority: https://www.bogleheads.org/wiki/Prioritizing_investments Be aware, you are capped at $5,500 to all of your IRAs combined. Many would argue that a Roth IRA is ...
by RamblinDoc
Fri Apr 20, 2018 11:45 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 37666

Re: KF's simple rules to achieve FI

KlangFool wrote:
Fri Apr 20, 2018 5:01 pm

Rule #6
Invest using all-in-one funds such as lifestrategy or target retirement fund. Do not go into slice and dice until your portfolio is 6 figures or bigger.

Why wait until your portfolio is 6+ figures before breaking out of all-in-one funds?
by RamblinDoc
Thu Apr 19, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Dramatic decline in VTSMX small cap holdings?
Replies: 7
Views: 1278

Re: Dramatic decline in VTSMX small cap holdings?

Supposedly, Morningstar changed their definition on what a small cap is.

Similar question about a ‘small cap’ fund here:
viewtopic.php?f=10&t=247099&p=3886549#p3881235

I don’t think the fund changed per se, but curious what others think.
by RamblinDoc
Tue Apr 17, 2018 11:19 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4777

Re: NAESX - is not really Small Cap?!

If your Small-Cap fund or ETF has a bunch of Mid-Caps in it, no reason to panic. Those of you who believe in factor tilting, Mid-Caps give you most of the returns of Small-Caps with less volatility. Some people, Mel Lindauer included, believe that Mid-Caps are the "Sweet Spot" of the stock market. ...
by RamblinDoc
Tue Apr 17, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1602

Re: Portfolio review - doing the 3-funds with a tilt

I'm not a fan of REITs at this point in time. One has to be careful of "skating to where the puck was" and following the advice of old books. I don't think owning REITs will kill your portfolio here, but I'm still sticking to my opinion. For tilts, I like the simplified ultimate buy-and-hold nowada...
by RamblinDoc
Tue Apr 17, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1602

Re: Portfolio review - doing the 3-funds with a tilt

Good question - as a side note, I've often wondered if some military members say they are "from" a state with no state income tax while they are in the military... Who knows... I'm very very familiar with one family that did that. So you have Texas plates on your car? :) On one of them. :D livesoft...
by RamblinDoc
Tue Apr 17, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1602

Re: Portfolio review - doing the 3-funds with a tilt

Good question - as a side note, I've often wondered if some military members say they are "from" a state with no state income tax while they are in the military... Who knows... I'm very very familiar with one family that did that. So you have Texas plates on your car? :) On one of them. :D
by RamblinDoc
Tue Apr 17, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1602

Re: Portfolio review - doing the 3-funds with a tilt

I'm puzzled by the VHCOL and Texas residency thing. I'm quite familiar with Texas and for the life of me I cannot come up with any VHCOL place in Texas. I am aware of more expensive places to live in the Houston, Dallas, Austin, and San Antonio areas, but they are all cheap compared to San Francisc...