Search found 44 matches

by Robert_007
Wed Jan 13, 2021 1:08 pm
Forum: Investing - Theory, News & General
Topic: thoughts on the most interesting investing article I have read in years
Replies: 20
Views: 3859

thoughts on the most interesting investing article I have read in years

https://www.lynalden.com/fraying-petrodollar-system/#summary Summary: "The world goes through periods of geopolitical order and disorder, and with that, comes the construction and subsequent fraying of the global monetary system each time. More troublesome, the inherent flaw of having the globa...
by Robert_007
Sat Nov 28, 2020 9:03 pm
Forum: Personal Investments
Topic: Willing to share your Taxable Portfolio?
Replies: 139
Views: 11240

Re: Willing to share your Taxable Portfolio?

My taxable account consists of mainly Berkshire.

My retirement accounts are roughly 60/30/10 vti, vea and total bond.

I have some money in India (INDA etf)
by Robert_007
Wed Jul 29, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 62909

Re: Books that changed your life

“The narrative of the life of Frederick Douglas”, hands down.
by Robert_007
Tue Jul 28, 2020 4:34 pm
Forum: Investing - Theory, News & General
Topic: Questions for Rick Ferri and Paul Merriman?
Replies: 62
Views: 6789

Re: Questions for Rick Ferri and Paul Merriman?

Is the traditional 60/40 approach the appropriate default position going forward given current status of bond and equity markets? The big time equity losers over the last decade or so--INTL and SCV--both have compelling fundamental appeal now given wide PE, PB, PCF, DIV disparities relative to US L...
by Robert_007
Fri Jul 03, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Who has long term care insurance?
Replies: 119
Views: 6277

Re: Who has long term care insurance?

I have heard from many sources that buying long term care insurance is a bad idea since insurers have changed the way they operate and offer contracts that allow them to increase the price randomly throughout the years. This is because many of insurers weren’t making much money since they failed to ...
by Robert_007
Fri May 29, 2020 11:47 am
Forum: Investing - Theory, News & General
Topic: Roth + Time vs Pretax + tax
Replies: 94
Views: 5912

Re: Roth + Time vs Pretax + tax

Thanks for the response, appreciate it.
by Robert_007
Thu May 28, 2020 6:34 pm
Forum: Investing - Theory, News & General
Topic: Roth + Time vs Pretax + tax
Replies: 94
Views: 5912

Re: Roth + Time vs Pretax + tax

It’s really hard to know what to do in the 22% tax bracket. Basically, the message I get is “it doesn’t really matter.” A bit confusing but I gather than the difference is minimal.
by Robert_007
Wed May 27, 2020 8:30 am
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 4438

Re: Bogleheads: What is your largest single stock holding? (if any)

Berkshire- 3 percent

I’m planning on gradually increasing my position to 20 percent of my portfolio
by Robert_007
Tue May 26, 2020 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: How is the Amazon Prime Rewards Visa Signature Card
Replies: 41
Views: 2572

Re: How is the Amazon Prime Rewards Visa Signature Card

I love this card. We get 70-110 bucks of amazon credit every month bc of the 5 percent back. It adds up with a family of 4. People also live the chase sapphire or Costco credit card as well.
by Robert_007
Thu Apr 23, 2020 2:41 pm
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 927
Views: 69929

Re: First 20% of bonds in long-term Treasuries

Would it be smart to put LTT in a Roth if you are young and don’t have the option in your 401k? I’m guessing putting it in a taxable account is not recommended.
by Robert_007
Sun Apr 05, 2020 4:13 pm
Forum: Investing - Theory, News & General
Topic: Words of Wisdom William Bernstein_chat w/Ben Carlson
Replies: 82
Views: 13312

Re: Words of Wisdom William Bernstein_chat w/Ben Carlson

I absolutely enjoyed this episode. Was hoping to hear about bills thoughts re the valuations and possible opportunities to investing in developed markets ex us I.e (vea etf). I recall him noting that developed ex us stocks look more appealing than US. That was before the pandemic. Curious to see if ...
by Robert_007
Sat Feb 22, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4862

Re: Master of Social Work degree

Well put Old Guy
by Robert_007
Sat Feb 22, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4862

Re: Master of Social Work degree

I have a master's in Social Work and work In home health in Northern California. I love it. I make 120k a year since I pick up clients at other agencies at times. I used to work in hospice for years as well. I recommend going into social work if you wish to work in the medical field because of the d...
by Robert_007
Tue Feb 11, 2020 10:35 pm
Forum: Investing - Theory, News & General
Topic: What is the highest expense ratio you willingly pay?
Replies: 123
Views: 8853

Re: What is the highest expense ratio you willingly pay?

68 bps for inda etf which is a market cap India fund. Have no clue if it’s worth it. I have 7 percent of my portfolio in it. The rest of my portfolio has Minimal expenses (average 12 bps)
by Robert_007
Mon Jan 20, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 138
Views: 12419

Re: If you could only listen to one podcast...

This American life
The daily
White coat investor
Tim Ferriss
by Robert_007
Fri Aug 16, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Debating a 4.25 to 3.375 refi
Replies: 28
Views: 2262

Re: Debating a 4.25 to 3.375 refi

I agree with finfire. I just did a refi and was able to only pay 700 for closing costs bc I created a bidding war from the 7 Costco contracted lenders.
by Robert_007
Tue Jul 30, 2019 9:54 pm
Forum: Personal Investments
Topic: Inda etf has an ER of .68- should this be a deal breaker
Replies: 8
Views: 759

Re: Inda etf has an ER of .68- should this be a deal breaker

I was considering emxc but does it matter that it has very low liquidity?
by Robert_007
Tue Jul 30, 2019 9:07 pm
Forum: Personal Investments
Topic: Inda etf has an ER of .68- should this be a deal breaker
Replies: 8
Views: 759

Re: Inda etf has an ER of .68- should this be a deal breaker

I hear you but I have to draw the line somewhere and for me it’s what I see going on in China. Yes, I buy apply products that are made and assembled in China but wish not to directly invest in this country. I’m fine with Democracies who aren’t perfect by any means but China is where I personally dra...
by Robert_007
Tue Jul 30, 2019 8:52 pm
Forum: Personal Investments
Topic: Inda etf has an ER of .68- should this be a deal breaker
Replies: 8
Views: 759

Inda etf has an ER of .68- should this be a deal breaker

I have decided a few months ago that I no longer want to invest in China for ethical reasons so I decided to direct my emerging market allocation to India (Inda etf) which is an etf comprised of just under 100 Indian stocks. Still think it’s a great idea since India has major potential and is the la...
by Robert_007
Thu Jul 18, 2019 7:03 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2048
Views: 251646

Re: Post your Financial Milestone Announcements Here

Just maxed out my 403b contributions!
by Robert_007
Fri Jul 05, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: Retired: Do you withdraw from investments or cash ?
Replies: 74
Views: 10900

Re: Retired: Do you withdraw from investments or cash ?

Thanks garland for taking the time to reply in depth. Appreciate it.
by Robert_007
Thu Jul 04, 2019 1:43 pm
Forum: Investing - Theory, News & General
Topic: Retired: Do you withdraw from investments or cash ?
Replies: 74
Views: 10900

Re: Retired: Do you withdraw from investments or cash ?

Garland,
Just curious. What makes you think we are in a euphoric market if there is still much pessimism with many flocking to low yielding bonds? Maybe I misread what you wrote but seems like you are advocating to take some risk off the table at this point.
by Robert_007
Wed Jun 19, 2019 9:30 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 239
Views: 22189

Re: What percentage of total portfolio in REIT's do you have? Why?

20 percent of my portfolio is in vtiax- vanguard small value which has a large share of real estate (10 percent). I like this fund bc of the generous real estate and mid cap exposure.
by Robert_007
Wed Jun 05, 2019 8:36 pm
Forum: Personal Investments
Topic: Merriman Aggressive Glide Path
Replies: 21
Views: 2103

Re: Merriman Aggressive Glide Path

I think that’s an excellent fund allocation that exemplifies the factors that merriman has laid out. I personally use vrb, vanguard small value, bc it’s very reit heavy so I don’t really need a separate reit fund. I personally like FNDC more than vss but it’s pretty pricey at 39 basis points. Good l...
by Robert_007
Tue Jun 04, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 501
Views: 61692

Re: What is/ was your career and would you recommend it now?

I'm a medical social worker for a major home health non profit.I see patients after they have been discharged from the hospital and help them get resources and long term planning needs in place. Sometimes I wear the counselor/short term therapist hat. I really recommend for people who love independe...
by Robert_007
Thu May 30, 2019 4:28 pm
Forum: Personal Investments
Topic: Account pension as part of bond allocation
Replies: 16
Views: 1041

Re: Account pension as part of bond allocation

Thanks. All this info helps. Appreciate it.
by Robert_007
Thu May 30, 2019 12:50 pm
Forum: Personal Investments
Topic: Account pension as part of bond allocation
Replies: 16
Views: 1041

Re: Account pension as part of bond allocation

I hear ya, it is covered by the pbgc if that matters at all.
by Robert_007
Thu May 30, 2019 11:36 am
Forum: Personal Investments
Topic: Account pension as part of bond allocation
Replies: 16
Views: 1041

Account pension as part of bond allocation

Hey bogleheads! I’m so confused. Do I count my upcoming pension as part of my bond allocation? I’ll retire in over 30 years and will receive a pension. The pension itself is being invested in a similar fashion as a treasury bond making 3.36 percent as of now. Any suggestions would be appreciated. Th...
by Robert_007
Tue May 28, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: Bond Convexity: Why You Shouldn't Fear Bonds With Low Rates
Replies: 76
Views: 9798

Re: Bond Convexity: Why You Shouldn't Fear Bonds With Low Rates

Pward,
Thanks! That makes sense. Would I stick with a long treasury until I liquidate in retirement or change the duration of the bond from long to intermediate to short as I gradually get closer to retirement?
by Robert_007
Tue May 28, 2019 8:23 pm
Forum: Investing - Theory, News & General
Topic: Bond Convexity: Why You Shouldn't Fear Bonds With Low Rates
Replies: 76
Views: 9798

Re: Bond Convexity: Why You Shouldn't Fear Bonds With Low Rates

Garland whizzer, I’ve admired your thinking and perspective for a while now. I’m 34 and will be in the market for a long time obviously. What you recommend investing in long bonds assuming your young and have at least 80 percent in equities? Just curious, I’ve been inclined to favor total bond marke...
by Robert_007
Wed May 22, 2019 11:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs, ranked by diversification benefit
Replies: 66
Views: 6251

Re: Vanguard ETFs, ranked by diversification benefit

Fascinating thread here. I am curious your opinion to why small international funds like FNDC don’t have a larger diversification score. 1.05 I believe which appears to be
Very close to the benchmark of sp500. That surprised me to say the least.
by Robert_007
Fri May 17, 2019 12:02 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 181
Views: 35121

Re: VTSAX or VTWAX over the next 35 years?

Thanks I’ll look into it
by Robert_007
Thu May 16, 2019 8:25 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 181
Views: 35121

Re: VTSAX or VTWAX over the next 35 years?

Don’t stop lostdog. You were one of the few who got me to ask more questions and divert some of my investments to a more global portfolio.
by Robert_007
Thu May 16, 2019 7:28 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 181
Views: 35121

Re: VTSAX or VTWAX over the next 35 years?

I was considering investing in vtwax however I can’t stomach investing a penny in China. Seems morally wrong to me. I’d rather take a slight loss and invest in US and developed markets with some money in an India etf. Obviously, everyone is in a different camp in this regard
by Robert_007
Thu May 16, 2019 7:28 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 181
Views: 35121

Re: VTSAX or VTWAX over the next 35 years?

I was considering investing in vtwax however I can’t stomach investing a penny in China. Seems morally wrong to me. I’d rather take a slight loss and invest in US and developed markets with some money in an India etf. Obviously, everyone is in a different camp in this regard
by Robert_007
Fri Apr 12, 2019 10:18 am
Forum: Personal Investments
Topic: Opinion on VTWAX [Vanguard Total World Stock]
Replies: 117
Views: 25776

Re: Opinion on VTWAX [Vanguard Total World Stock]

I have a lot of my money in VT. Is there any advantage to converting it to VTWAX?

I’m guessing not but unsure.
by Robert_007
Wed Feb 06, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to sell vt to buy total world admiral shares in Roth?
Replies: 3
Views: 504

Does it make sense to sell vt to buy total world admiral shares in Roth?

My Roth is all VT etf. Is there any advantage to switching to the new total world admiral mutual fund that comes out feb 7?
by Robert_007
Tue Feb 05, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Home Warranty
Replies: 27
Views: 1836

Re: Home Warranty

Thanks everyone, I really appreciate it.
by Robert_007
Tue Feb 05, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Home Warranty
Replies: 27
Views: 1836

Home Warranty

Hello Boglehead community! So I am in the process of purchasing my first home and it is causing me much anxiety. It was built in 92' and has original tile roof as well as original AC and Water Heater. I am aware that I will have to repair the water heater and AC as well as resurface the pool (7k to ...
by Robert_007
Thu Dec 06, 2018 8:42 pm
Forum: Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 13063

Re: 20M Inheritance - What is best option for small/no risk on principal?

I think I would go vt and bndw 50/50 if I were lucky enough to be in that position. That way I would let be compelled to change it every three months when I read an enticing boglehead tilt post
by Robert_007
Wed Nov 21, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 60
Views: 6311

What financial advice have you been most grateful for?

This is a great opportunity for me to pick the greatest brains of this boglehead forum for which I am grateful for.


My answer is learning how to prioritize my investments via
The boglehead wiki page
by Robert_007
Sun Nov 11, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2338

Re: Best city car

I have a Prius C which I love to drive in SF. With kids, I would look at a used Nissan Leaf. The used ones are very inexpensive. My friends recently got a 2014 one with 50k miles on it for under 6k
by Robert_007
Fri Jun 08, 2018 7:40 pm
Forum: Personal Investments
Topic: M1 Finance
Replies: 17
Views: 5408

Re: M1 Finance

I love the service. Great platform to do research on various etfs of your liking. I have 4 accounts (3 tax deferred) and have been very happy with the service and free use. Very easy to follow advice of three fund portfolio for one account and Paul merriman for the other. Very transparent platform.
by Robert_007
Mon May 28, 2018 10:27 am
Forum: Personal Investments
Topic: Creative Planning vs Vanguard PAS
Replies: 98
Views: 12351

Re: Creative Planning vs Robo-advisor

I use M1Finance as a tool to plan "creatively". No fees, You can choose ETFs from any brokerage house. Great platform. I recently created another (Taxable) portfolio there (three fund portfolio Ex: .06) with the knowledge I received from you awesome bogleheads.