Search found 151 matches

by DiploInvestor
Wed May 12, 2021 3:09 am
Forum: Personal Investments
Topic: When would you buy cryptocurrency?
Replies: 110
Views: 4306

Re: When would you buy cryptocurrency?

Four years ago. Second best time is now.
by DiploInvestor
Fri May 07, 2021 1:52 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 151
Views: 13411

Re: Any Boglehead powerlifters?

Good post. I’ll play. Not a competitive powerlifter, but used to be a competitive runner in HS, then CrossFit in my 30s. Started PL type programs to improve X-fit, but never went back. Age: 51 Weight: 200-ish 5’10” Squat: 440 Press: 205 Bench: 310 DL: 395 Built much better for squats than deads app...
by DiploInvestor
Fri May 07, 2021 1:07 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 151
Views: 13411

Re: Any Boglehead powerlifters?

Good post. I’ll play. Not a competitive powerlifter, but used to be a competitive runner in HS, then CrossFit in my 30s. Started PL type programs to improve X-fit, but never went back. Age: 51 Weight: 200-ish 5’10” Squat: 440 Press: 205 Bench: 310 DL: 395 Built much better for squats than deads appa...
by DiploInvestor
Sat Apr 17, 2021 12:00 pm
Forum: Investing - Theory, News & General
Topic: For those adding Crypto as an asset class to their AA
Replies: 152
Views: 9658

Re: For those adding Crypto as an asset class to their AA

For those adding crypto as an asset class to their AA: How are you adding it? --Buying crypto, --Buying Trust instruments, --Buying companies participating in crypto What type of account are you using? -- Taxable, Tax Deferred or Roth -- Brokerage, Coinbase, PayPal, etc. What size allocation are yo...
by DiploInvestor
Sat Mar 27, 2021 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Should I stay or should I go?
Replies: 48
Views: 5174

Re: Should I stay or should I go?

OP, you are in a great position. With FU money like you have, you’ve got options. Since you didn’t mention a pension, however, and with fairly high expenses, I would personally stay and keep socking it away for two more years, which also gives your son a chance to graduate. Then re-evaluate. You’ll ...
by DiploInvestor
Wed Mar 24, 2021 11:06 pm
Forum: Personal Investments
Topic: Transferring entire 500k taxable account to Bitcoin?
Replies: 169
Views: 9961

Re: Transferring entire 500k taxable account to Bitcoin?

Long story short, I’m 28 and been a boglehead since I was 21 (look back at my post history!). I’m a CPA myself, max out my Roth IRA, HSA (starting this year!) 401k every year. And as crazy as it sounds, I’m seriously considering selling all of my $550k in Vangaurd Total Stock Market (taxable accoun...
by DiploInvestor
Sat Mar 20, 2021 4:21 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 172
Views: 15291

Re: How quickly did you receive your 2020 tax refund?

E-filed on TT. 18 days to get refund. No state tax.
by DiploInvestor
Thu Mar 11, 2021 11:47 pm
Forum: Personal Consumer Issues
Topic: Resubscribe to The Economist or switch to something else?
Replies: 32
Views: 2516

Re: Resubscribe to The Economist or switch to something else?

FT is excellent. WSJ used to be on my list, but the political slant is a bit much lately. The Economist and New Yorker also are very good. One recent discovery: Vanity Fair. The articles are well written and witty. Never would have known about it, except it shows up in my Apple News feed.
by DiploInvestor
Thu Mar 11, 2021 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Preparing to decide about a major career change
Replies: 53
Views: 3693

Re: Preparing to decide about a major career change

Hi OP, First off, congrats on passing the test - that’s no mean feat! I am a FS specialist and former FSO. I’m a “tandem”, and my wife is a senior (SFS). It’s a very particular life, and not a simple decision. You won’t be forced into unaccompanied positions, but in your first two tours you won’t ha...
by DiploInvestor
Sat Mar 06, 2021 8:30 am
Forum: Personal Investments
Topic: Bonds? No bonds? TSP
Replies: 42
Views: 3418

Re: Bonds? No bonds? TSP

We use straight G fund for the bond side. I would imagine bond rates will rise eventually, and this will benefit G while causing share prices to fall for F. Since we use bonds strictly for stability, bond returns are not that important for us.
by DiploInvestor
Wed Mar 03, 2021 11:15 am
Forum: Investing - Theory, News & General
Topic: When will Bogleheads release the Boglecoin? To keep it educational, tell us what it would involve?
Replies: 11
Views: 870

Re: When will Bogleheads release the Boglecoin? To keep it educational, tell us what it would involve?

Forget Boglecoins. Better to invest in Bogle wine. They have a pretty decent Chardonnay... https://duckduckgo.com/?q=bogle+chardonnay+2019&t=iphone&iax=images&ia=images&iai=https%3A%2F%2Fcdn.shopify.com%2Fs%2Ffiles%2F1%2F0062%2F7775%2F9094%2Fproducts%2FBogle_Chardonnay_2018_667x1000....
by DiploInvestor
Sat Feb 20, 2021 3:35 am
Forum: Personal Consumer Issues
Topic: Amazon Firestick vs. Roku
Replies: 72
Views: 4403

Re: Amazon Firestick vs. Roku

We’ve had both, but we prefer the Roku Ultra now. The Roku just seems like a higher quality device, and I prefer the UI. Both remotes have voice search, so that’s a wash nowadays. One thing I remember about the Firestick was the ability to program custom DNS addresses right into the device if you ca...
by DiploInvestor
Thu Feb 18, 2021 11:08 am
Forum: Personal Investments
Topic: More Aggressive AA in Roth IRA?
Replies: 28
Views: 2331

Re: More Aggressive AA in Roth IRA?

I agree with an aggressive Roth IRA allocation, but my circumstances are probably different. I’m 51 and generally 80/20 in my accounts, but I run a value averaging strategy, and equities can run anywhere from 70-100% depending on market conditions and the strategy’s reaction to it at any given time....
by DiploInvestor
Fri Feb 12, 2021 11:42 am
Forum: Personal Consumer Issues
Topic: HIIT question [High-Intensity Interval Training]
Replies: 38
Views: 2811

Re: HIIT question

Cant really answer this without more info. What is your goal? - increasing VO2 max? - lactate threshold? - efficiency - adding muscle mass and bone density in an aging body - functional skills around the house ( getting into/out of a chair, carrying groceries, keeping balance) Based on what I've re...
by DiploInvestor
Sat Jan 23, 2021 1:42 pm
Forum: Personal Consumer Issues
Topic: Slippers with support
Replies: 29
Views: 1770

Re: Slippers with support

+1 for Sketchers. I have slip-ons for indoors and they are warm and comfortable with good support.

Birkenstock Arizona sandals are also great. Solid and comfortable with excellent arch support. Not cheap, but you can wear them anywhere.
by DiploInvestor
Sat Jan 16, 2021 4:05 am
Forum: Personal Finance (Not Investing)
Topic: YOLO vs BH
Replies: 97
Views: 9756

Re: YOLO vs BH

You think you will be physically decrepit at 55? I find that sad. Heh. In my 20s, I thought 50 was super old - literally, one foot in the grave. Now that I'm in my 50s, I find that I feel pretty good. Other than all the aches and pains from a sporting youth, I don't feel much different from when I ...
by DiploInvestor
Sun Jan 10, 2021 3:14 am
Forum: Investing - Theory, News & General
Topic: I'm Stuck: How to get out of Value Averaging and back to DCA!
Replies: 55
Views: 3595

Re: I'm Stuck: How to get out of Value Averaging and back to DCA!

Do you have rules to guide your decisions or are you winging it? I use VA and I’ve been killing it for a few years now. Read “The 3% Signal” and check out jasonkelly.com for the sane way to do it right. VA should relieve your stress, not create more. Of course I'm using rules. You're missing the po...
by DiploInvestor
Sat Jan 09, 2021 8:01 am
Forum: Investing - Theory, News & General
Topic: I'm Stuck: How to get out of Value Averaging and back to DCA!
Replies: 55
Views: 3595

Re: I'm Stuck: How to get out of Value Averaging and back to DCA!

Do you have rules to guide your decisions or are you winging it? I use VA and I’ve been killing it for a few years now. Read “The 3% Signal” and check out jasonkelly.com for the sane way to do it right. VA should relieve your stress, not create more.
by DiploInvestor
Fri Jan 08, 2021 7:37 am
Forum: Personal Consumer Issues
Topic: Is the GYM worth it right now?
Replies: 22
Views: 1534

Re: Is the GYM worth it right now?

Going to the gym is always worth it. 39/month is a good price, though if you’re just looking to “tone and add some muscle”, why not buy a quality adjustable bench and a set of adjustable dumbbells? It’s a one time investment, and you avoid going to the gym entirely. If you really want to add muscle ...
by DiploInvestor
Fri Jan 08, 2021 7:28 am
Forum: Personal Investments
Topic: Can I create generational wealth?
Replies: 193
Views: 19476

Re: Can I create generational wealth?

Folks, A simple idea. A) Start a scholarship foundation/trust. B) Reserve X% of the scholarships to someone related to you in some mean. C) Provide Y% of the scholarships to everyone else. D) Fund an elementary school/high school/college. My ancestor's foundation/trust builds a high school. The res...
by DiploInvestor
Wed Jan 06, 2021 5:00 am
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 26128

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

People with millions are using their time to do whatever they like. I enjoy mowing my small lawn, its relaxing and good exercise, and I like being outdoors. Not everyone hates mowing the lawn. People will pay a personal trainer to train them at a gym, those same people don't want to do any yardwork...
by DiploInvestor
Thu Dec 24, 2020 8:01 am
Forum: Personal Consumer Issues
Topic: Tips for Frugal Living
Replies: 284
Views: 27283

Re: Tips for Frugal Living

Get the cheapest coffee you can! I get most of my k-cups now from menards (home improvement store in midwest). I can appreciate good coffee and getting it for a good price. But please think about the amount of plastic waste that comes with k cups. They really are bad for the environment. Every litt...
by DiploInvestor
Mon Dec 21, 2020 7:29 am
Forum: Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 195
Views: 73411

Re: Time to reach 1M and 2M milestones

21 years to reach $1m +3 years to reach $2m Expect to hit $3m within another 2 years and $4m 1-2 years after that. The growth has been fueled by (obviously) a great market run up, along with a high savings rate and, no getting around it, a fair helping of luck. I expect a very low withdrawal rate be...
by DiploInvestor
Wed Nov 25, 2020 6:40 am
Forum: Investing - Theory, News & General
Topic: "Water Theory" -- pros and cons
Replies: 43
Views: 5195

Re: "Water Theory" -- pros and cons

I like your water analogy, but in a different context: explaining buckets to people who use different accounts (buckets) to save for different reasons, i.e., for a house down payment, for a car, for a vacation, etc. The money is fungible, and doesn’t necessarily need to be kept segregated in “bucket...
by DiploInvestor
Wed Nov 25, 2020 3:16 am
Forum: Personal Consumer Issues
Topic: Best VPN for international use (with US IP address)?
Replies: 7
Views: 664

Re: Best VPN for international use (with US IP address)?

I mostly live overseas also, and I have tried many. Most have worked for a time, then didn’t. For a while NordVPN was great. Now it seems ExpressVPN is the best. I have also used Private Internet Access, which is good, but only for routine surfing, not streaming. Never used the Mullvad VPN mentioned...
by DiploInvestor
Tue Nov 10, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 342
Views: 24433

Re: How do YOU make coffee?

Jura E8 We have about 7 ways to make coffee, from drip to siphon to moka and others. The Jura is beautiful and very easy to use and makes an exceptionally delicious espresso drink. We bought it in Europe, because we live mostly overseas, so half the price of the US version, but it’s 220v. Needs regu...
by DiploInvestor
Fri Oct 30, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5149
Views: 1331631

Re: What Book Are You Currently Reading? Part VI

The Joys of Compounding - by Gautam Baid — sort of a philosophy of value investing with lots of good Munger and Buffet quotes and advice The Great Depression and the New Deal - by Eric Rauchway — I find the 1930s a particularly interesting time period The Little Book of Stoicism - by Jonas Salzgeber...
by DiploInvestor
Mon Oct 19, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41941

Re: Items that are worth the money for the quality

Toyota cars/trucks MacBook Pro iPhone Sketchers Shoes Pelikan Fountain Pens Yamaha ATV/UTV's Tokaido "Gi's" from Japan John Deere Kona Coffee Peaberry Beans shipped straight from the Kona Plantations. Quality Camera Gear j :D Kona Coffee Peaberry Beans shipped straight from the Kona Plant...
by DiploInvestor
Sun Oct 18, 2020 4:45 am
Forum: Personal Investments
Topic: TSP and Personal Capital
Replies: 10
Views: 2110

Re: TSP and Personal Capital

Did you get Personal Capital to keep loading your TSP or do you have to redo 2nd factor auth every time? I have almost stopped using PC because all my accounts need me to get 2nd factor access codes to my email every time I log on. I use the Fidelity aggregator, not PC, but the TSP’s 2FA means I ne...
by DiploInvestor
Sun Oct 11, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: Third row SUV seating considerations
Replies: 32
Views: 2436

Re: Third row SUV seating considerations

We resisted the minivan when our twins were born and we now had three kids, but should have just bitten the bullet and gone for it. We tried the 3rd row SUV for 6 months, but DW’s back hurt trying to contort herself to clip the baby carriers into the 3rd row, and we had captains chairs too. Great ca...
by DiploInvestor
Sat Oct 03, 2020 2:10 am
Forum: Investing - Theory, News & General
Topic: What book to read next? [Investing]
Replies: 23
Views: 2104

Re: What book to read next?

I just finished reading the newly published book The Psychology of Money, by Morgan Housel. In 2020 I have felt more pull towards risky investments than ever before. This book brought me back towards controlling my risk and keeping things simple and boring with passive index funds. It is really wel...
by DiploInvestor
Mon Aug 10, 2020 7:15 pm
Forum: Investing - Theory, News & General
Topic: Real life example of 7 digit 401k/Roth IRA portfolios
Replies: 60
Views: 6448

Re: Real life example of 7 digit 401k/Roth IRA portfolios

DW and I, both fed employees, have investments spread between TSP, Roth 401k, and taxable, which we also count as purely "retirement" savings. Despite many mistakes early on and not maxing (me) until several years in, we hit our first $1 million in late 2017. Just doubled that recently. Am...
by DiploInvestor
Fri Jun 26, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 259
Views: 17751

Re: What is the single best piece of exercise equipment you bought for your home?

Another vote for power rack + barbell. +1. No better exercise than squats. Deadlifts? If I had to choose which one is better, I would say squats. Just because Rippetoe told me that. I like to deadlift way more than squat, though. And straight bar bench press should be banned. Shoulders aren't meant...
by DiploInvestor
Fri Jun 26, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 259
Views: 17751

Re: What is the single best piece of exercise equipment you bought for your home?

Used to be a distance runner when I was younger, also track and field (triple jumper) in HS. I was skinny as a rail - and weak. Now that I'm eligible for AARP, I realize strength is the important thing, especially as you get older. Weakness is what will get you. As Mark Rippetoe says, strong people ...
by DiploInvestor
Mon Jun 22, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 110
Views: 7255

Re: What kind of sunglasses?

Depending on your status you may be eligible for the Oakley military/LEO purchase program:

https://www.oakleysi.com/en-us

Slightly limited selection, but great deals.
by DiploInvestor
Sun May 31, 2020 3:31 am
Forum: Investing - Theory, News & General
Topic: Will this decade play out like the 1960s?
Replies: 7
Views: 1541

Re: Will this decade play out like the 1960s?

Feels like we’re reliving the 60s. A space launch, racial tensions, a Wallace like candidate/president, threat of communism. Market seems to have done pretty well in the 60s until the 70s came along. That’s just from my ignorant perspective. I realize that there is a lot more with the gold standard...
by DiploInvestor
Sun May 31, 2020 3:27 am
Forum: Personal Finance (Not Investing)
Topic: Sell or rent $2m house?
Replies: 52
Views: 4249

Re: Sell or rent $2m house?

Been there, done that. We rented our $500k house to our inlaws for two years while posted overseas, and even this lovely middle-aged couple did unwitting damage here and there. We decided to sell before being assigned overseas again. No way I would leave an investment of that size, let alone $2m, in...
by DiploInvestor
Wed Apr 22, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: DOT: Airlines must offer refunds for cancelled flights (not just credits)
Replies: 109
Views: 9590

Re: DOT: Airlines must offer refunds for cancelled flights (not just credits)

Last week I called United to request a refund after Lufthansa canceled the first leg of an international code share flight to the US. I couldn't use the rest if the itinerary even if I had wanted, since there are currently no flights out of the country I'm in right now. I got through to United witho...
by DiploInvestor
Sat Apr 18, 2020 3:45 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 6401

Re: How are you exercising with gym closures

+1 That's all it takes. I have a bench, Concept 2 Rower, and kettlebells as well (recovering XFitter...). Same. Just bought a squat rack, Olympic barbell, bumper plates and a pull up bar, and already had treadmill, Assault bike and gymnastic rings. Current Xfitter. If you don't mind, where did you ...
by DiploInvestor
Fri Apr 17, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 6401

Re: How are you exercising with gym closures

Turbo29 wrote: Sat Apr 04, 2020 12:09 pm Olympic barbell and dumbell bars, weight plates, and squat rack.
+1
That's all it takes. I have a bench, Concept 2 Rower, and kettlebells as well (recovering XFitter...).
by DiploInvestor
Fri Apr 17, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2848
Views: 281830

Re: [What TV Show Have You Recently Watched?]

Just finished Tiger King - couldn't tear ourselves away from that train wreck. Watching "Нюхач" ("Sniffer," on Netflix) in Russian to practice the language - it's a decent cop show and not hard to follow in the original. Waiting for DW to catch up with Peaky Blinders so I can fin...
by DiploInvestor
Sun Apr 05, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 18399

Re: What will you do first, once COVID pandemic is over?

Go back to the gym for biking and lifting. Now I am running outside I can't wait to get back to the gym. No access to the gym may be literally killing some of us. Until then, I continue to rack up miles on my feet. I can't believe how many neighbors I've met while out on my daily walk. They're prob...
by DiploInvestor
Sun Apr 05, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 18399

Re: What will you do first, once COVID pandemic is over?

jzachary wrote: Sun Apr 05, 2020 9:05 am Check into rehab.
Yeah, that sounds about right... :sharebeer
by DiploInvestor
Sat Mar 28, 2020 3:08 am
Forum: Personal Finance (Not Investing)
Topic: Unicorn mortgage still just a dream
Replies: 29
Views: 4694

Re: Unicorn mortgage still just a dream

We locked in at 2.875 on 30 year fixed refinance at our local credit union. They portfolio their mortgages. I am afraid that our current “stay at home” order will stop the closing for long enough to lose our rate lock. Our last closing (a while back) was done completely by FedEx. Is that a possibil...
by DiploInvestor
Tue Mar 24, 2020 12:44 pm
Forum: Personal Investments
Topic: dead cat mouse
Replies: 56
Views: 6009

Re: dead cat mouse

It'll just be a Modest (dead cat) Mouse.
by DiploInvestor
Sat Mar 21, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6694
Views: 1463767

Re: What Movie Have You Recently Watched?

Monsters University. (Small kids...) Didn't realize John Goodman and Billy Crystal were the main voices until halfway through. Entertaining, but Monsters Inc. was better.
by DiploInvestor
Sat Mar 21, 2020 1:56 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 18835

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

Pocanutin wrote: Sat Mar 21, 2020 1:45 pm My god!! please someone lock this thread.
P
+1
by DiploInvestor
Sat Mar 21, 2020 4:33 am
Forum: Personal Investments
Topic: Run from F Fund to G Fund? (TSP)
Replies: 4
Views: 517

Re: Run from F Fund to G Fund? (TSP)

I consider the bond side to be the *safe* side, and G is the best deal out there. You can't lose money, and the return is better than it should be for the level of risk we take. I am 50, with 80/20 (soon to be almost 100/0 when I rebalance), and all my TSP bond money is in G. Stocks are where I take...
by DiploInvestor
Fri Mar 20, 2020 11:06 am
Forum: Personal Investments
Topic: When will S&P 500 go back to 3386 ?
Replies: 98
Views: 6739

Re: When will S&P 500 go back to 3386 ?

March 15, 2021. Late afternoon.