Search found 1677 matches

by AerialWombat
Fri Sep 18, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Pretending to enjoy sports for business/social reasons
Replies: 52
Views: 2075

Re: Pretending to enjoy sports for business/social reasons

I've never done this. As another poster said, life's too short to pretend to care about something you don't. I have zero interest in football, futbol, baseball, basketball, and other pro or college sports. The only sport I am interested in is the sport I previously participated in as both athlete an...
by AerialWombat
Fri Sep 18, 2020 10:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20059
Views: 2743847

Re: U.S. stocks in free fall

lostdog wrote: Fri Sep 18, 2020 10:05 am
atdharris wrote: Fri Sep 18, 2020 10:04 am What's frustrating about this correction is that LTTs seem to be falling along with the market.
I guess cash is king, in the very very short term at the moment.
Cash is always king.
by AerialWombat
Thu Sep 17, 2020 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 241
Views: 13081

Re: Preparing for retirement in mid 30s

Or maybe he'll tell his kids, "I'm not paying for your college education." There is zero obligation for him to do so. In my opinion, threads like this clearly illustrate how out of touch the "Boglehead bubble" is with regular American life. How could it be anything but disconnected from average Ame...
by AerialWombat
Thu Sep 17, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 241
Views: 13081

Re: Preparing for retirement in mid 30s

2 teenage kids eat a lot.....a lot. They also play sports, dance, gymnastics, religion, join clubs, travel teams, want to travel, want new clothes, shoes, go to a ball game, a movie, a friends birthday party, etc. Get ready! Sure you can tell the kids to pay their own way......let us know how that ...
by AerialWombat
Thu Sep 17, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 241
Views: 13081

Re: Preparing for retirement in mid 30s

Have you actually checked the price of public college? It sounds like you think it’s free. Although i'm not enthusiastic about the OP's plan, in fact public colleges and universities may be at least tuition-free for a family in the proposed income range. In my state any of the public universities w...
by AerialWombat
Thu Sep 17, 2020 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 241
Views: 13081

Re: Preparing for retirement in mid 30s

Kids are expensive, and get more and more so as they age. Do you not plan to send them to college? I am skeptical that your 45K per year, inflation adjusted, is realistic for 20 years or more, especially with children. Will you have a car to pay for and/or maintain? How often will you require a new...
by AerialWombat
Wed Sep 16, 2020 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 241
Views: 13081

Re: Preparing for retirement in mid 30s

Kids are expensive, and get more and more so as they age. Do you not plan to send them to college? I am skeptical that your 45K per year, inflation adjusted, is realistic for 20 years or more, especially with children. Will you have a car to pay for and/or maintain? How often will you require a new...
by AerialWombat
Tue Sep 15, 2020 1:37 am
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 54
Views: 6641

Re: what is your side job and income?

I write non-fiction books and self-publish them on Amazon. It’s enough most months to pay the mortgage on my primary residence. If you’re an expert in a particular field, with a big enough potential audience, it’s not really that hard to generate an extra few hundred a month. If you are a specialize...
by AerialWombat
Mon Sep 14, 2020 8:00 pm
Forum: Personal Investments
Topic: Is there a tax-efficient, one-fund portfolio?
Replies: 22
Views: 1908

Re: Is there a tax-efficient, one-fund portfolio?

Vanguard High Yield Tax Exempt is tax efficient and could serve as a one-fund portfolio.

OP may want to place additional parameters on the question.
by AerialWombat
Mon Sep 14, 2020 3:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696877

Re: U.S. stocks continue to soar!

Whatever churn occurs from here on out, the Nasdaq high is in; it won't go above 12,000 for a very long time to come. A dividend yield of 0.6%? Not very enticing. Just a reminder: Nasdaq is running out of steam. Gandalf is looking at Nasdaq 11,000 and saying, "You shall not pass!" Nasdaq closed abo...
by AerialWombat
Mon Sep 14, 2020 1:41 pm
Forum: Investing - Theory, News & General
Topic: Best place to "park" a large amount of cash
Replies: 11
Views: 1540

Re: Best place to "park" a large amount of cash

ilan1h wrote: Mon Sep 14, 2020 1:36 pm Really no need to "access" funds ie: I have enough "emergency funds" in other places. I simply want to park a large amount of money in a safe vehicle which still gives a little return.
I use Vanguard Intermediate Tax Exempt for this, but have no state income tax to worry about.
by AerialWombat
Mon Sep 14, 2020 1:02 am
Forum: Personal Consumer Issues
Topic: How to focus and keep focused — any recommendations?
Replies: 27
Views: 1599

Re: How to focus and keep focused — any recommendations?

The Power of an Hour by Dave Lakhani.
by AerialWombat
Sun Sep 13, 2020 7:49 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 162
Views: 13834

Re: For those concerned about International Stocks...

100 years from now, Bogleheads will be debating allocation between Earth and off-Earth companies. And should companies on Callisto even be included in a Planetary Index, since it’s a moon?

This debate will never end, just the players will change.

:sharebeer
by AerialWombat
Sun Sep 13, 2020 4:59 pm
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 76
Views: 11447

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

bck63 wrote: Sun Sep 13, 2020 4:49 pm In addition to my post above, I've put some cash into about 20 high-dividend, low-beta stocks.Weighted average dividend yield is 3.1%. Also own sector ETFs with high dividends and low beta.
Then it’s no longer cash, it’s in equities, with all the inherent risks of equities.
by AerialWombat
Sun Sep 13, 2020 2:04 pm
Forum: Investing - Theory, News & General
Topic: How do you think Vanguard Wellesley Income Fund will do over the next ten years?
Replies: 30
Views: 3984

Re: How do you think Vanguard Wellesley Income Fund will do over the next ten years?

I think it will either go up, down, or stay the same. I am 100% confident in this prediction.

My entire 401k is in Wellesley. I like it.
by AerialWombat
Sun Sep 13, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: Porter Stansberry advising going to 100% cash - Help!
Replies: 62
Views: 15692

Re: Porter Stansberry advising going to 100% cash - Help!

Stansberry's "End of America" marketing campaign in 2010-11 was one of the best direct response marketing campaigns ever created. It is studied in some business schools as a case study of brilliant marketing execution. It was one of the earliest hyper-successful marketing campaigns that integrated o...
by AerialWombat
Sat Sep 12, 2020 9:03 pm
Forum: Personal Investments
Topic: Anyone successfully living off dividends & interest?
Replies: 203
Views: 18406

Re: Anyone successfully living off dividends & interest?

But just out of curiosity, anyone with a NON 8-figure portfolio actually create a stream of income that allows them to (1) meet all expenses and (2) keep up with inflation -- all without eating into principal or using capital gains for your withdrawal strategy? If so, how the heck did you do it? Re...
by AerialWombat
Sat Sep 12, 2020 6:17 pm
Forum: Personal Investments
Topic: How can I get Pre IPO stocks
Replies: 20
Views: 1809

Re: How can I get Pre IPO stocks

1. Identify the pre-IPO company you want stock in 2. Get a job at that company with an offer that includes stock options or RSUs 3. Stay working there until vested Or, cut out the middleman: 1. Start a company Now you have stock in a pre-IPO company, until you either trade it all away (e.g. for ven...
by AerialWombat
Thu Sep 10, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5769
Views: 1379227

Re: What Movie Have You Recently Watched?

Live action “Mulan” on Disney+.

Surprisingly well done.
by AerialWombat
Thu Sep 10, 2020 5:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20059
Views: 2743847

Re: U.S. stocks in free fall

Yikes. Wish I had some words of wisdom to calm your jitters. All I can recommend is you take a nice, long, hot bath, and listen to some Kenny G. All the investing world needs is more Scotch and more Selena Gomez. Wait... Is Pandora publicly traded? Is it part of VTSAX? Am I financially supporting m...
by AerialWombat
Thu Sep 10, 2020 5:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20059
Views: 2743847

Re: U.S. stocks in free fall

One could argue that I should excited about buying into the equities world at a discount. Or not. I haven't seen discounts like these since the first week of August! August?!?!?!? No, no, no, no, no. Volatility bad. Volatility bad. Volatility bad. Breathe. In. Out. In. Out. Up. Down. Aaaaaaaaargh! ...
by AerialWombat
Thu Sep 10, 2020 4:55 pm
Forum: Personal Investments
Topic: Rebalancing: The answer is VTI, right?
Replies: 11
Views: 1511

Re: Rebalancing: The answer is VTI, right?

I've put $30,000 of new money into VTSAX as part of rebalancing.

This is incredibly uncomfortable, especially buying into a few days of downward dawg.

Must rebalance. We can do this. Follow IPS. Drink more Scotch. :beer
by AerialWombat
Thu Sep 10, 2020 4:53 pm
Forum: Personal Investments
Topic: Rebalancing: The answer is VTI, right?
Replies: 11
Views: 1511

Re: Rebalancing: The answer is VTI, right?

Legacy Australian stocks- If these are traded Over The Counter in the U.S. (about 2,000 foreign stocks are) then many U.S. brokers could accept a transfer in of these stocks... The Aussie stocks are CHESS registered securities. Meaning, they are not held at a brokerage, they are held directly with ...
by AerialWombat
Thu Sep 10, 2020 4:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20059
Views: 2743847

Re: U.S. stocks in free fall

I'm finally pouring the sugar drink into my face hole. In the past 48 hours, I've purchased $30,000 of VTSAX. This is part of a rebalancing effort, to get back to my 30/70 target AA (been 15/85 for a few months). Regardless of my current financial situation, this is, psychologically, a tremendous am...
by AerialWombat
Thu Sep 10, 2020 1:29 am
Forum: Personal Investments
Topic: How can I get Pre IPO stocks
Replies: 20
Views: 1809

Re: How can I get Pre IPO stocks

1. Identify the pre-IPO company you want stock in 2. Get a job at that company with an offer that includes stock options or RSUs 3. Stay working there until vested Or, cut out the middleman: 1. Start a company Now you have stock in a pre-IPO company, until you either trade it all away (e.g. for ven...
by AerialWombat
Thu Sep 10, 2020 1:19 am
Forum: Personal Investments
Topic: How can I get Pre IPO stocks
Replies: 20
Views: 1809

Re: How can I get Pre IPO stocks

You can invest in some companies at the angel stage via syndicates. See Angel List to start. There are also some regulation crowdfunding opportunities through various sites, such as MicroVentures. But honestly, unless you really know what you’re doing, don’t even think about doing this. Even at your...
by AerialWombat
Wed Sep 09, 2020 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 7937

Re: What % of income to spend on car?

I'd like to get something I will enjoy, and get good use out of. I like to go on roadtrips (I work remotely), I like to ski, go camping, I like to drive to different golf courses all over the place, etc. So it would be nice to find something worthwhile. Based on this new information, the only corre...
by AerialWombat
Wed Sep 09, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Saving on flight schools!
Replies: 20
Views: 1916

Re: Saving on flight schools!

Just read the general aviation publications, get the PPL and Instruments, then if you want to go further, read Trade-a-Plane, find yourself an affordable low-time plane and go from there. You can get a decent plane for less than a new car. I have to advise against purchasing an aircraft right away....
by AerialWombat
Wed Sep 09, 2020 4:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696877

Re: U.S. stocks continue to soar!

Sorry folks, I finally decided to join the cool kids club and put some money into VTSAX in order to get above 15% equities. I didn't mean to upset the balance of the universe and cause an up day.
by AerialWombat
Wed Sep 09, 2020 4:32 pm
Forum: Investing - Theory, News & General
Topic: Are the days of 7% avg index returns over?
Replies: 65
Views: 9432

Re: Are the days of 7% avg index returns over?

In Jerome Powell's latest interview on NPR it was hinted that this may be the case since more and more people are investing. Moving forward would it be more realistic to expect returns of 3-4% on average now? I think even Bogle mentioned something like this in the past where he thought the average ...
by AerialWombat
Wed Sep 09, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Tenants screening
Replies: 32
Views: 2631

Re: Tenants screening

Others have provided excellent info, but to summarize: 1. Set your rental criteria before starting to accept applications. For example, my basic criteria are income 3x rent, no felonies, 700 FICO. There is more, but that’s the short gist. 2. I use TurboTenant.com for screening. 3. Know your state la...
by AerialWombat
Wed Sep 09, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: Are the days of 7% avg index returns over?
Replies: 65
Views: 9432

Re: Are the days of 7% avg index returns over?

In Jerome Powell's latest interview on NPR it was hinted that this may be the case since more and more people are investing. Moving forward would it be more realistic to expect returns of 3-4% on average now? I think even Bogle mentioned something like this in the past where he thought the average ...
by AerialWombat
Mon Sep 07, 2020 9:22 am
Forum: Personal Investments
Topic: Rebalancing: The answer is VTI, right?
Replies: 11
Views: 1511

Re: Rebalancing: The answer is VTI, right?

Legacy Australian stocks- If these are traded Over The Counter in the U.S. (about 2,000 foreign stocks are) then many U.S. brokers could accept a transfer in of these stocks... The Aussie stocks are CHESS registered securities. Meaning, they are not held at a brokerage, they are held directly with ...
by AerialWombat
Mon Sep 07, 2020 9:14 am
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 76
Views: 11447

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

Where do you put your cash right now? Vanguard's Prime Money Market is giving only .04 yield right now. Thanks! Cash is for piece of mind. Sleeping well at night. Backstop against financial calamity. Cash is not for yield. I use a CD ladder and savings at Discover Bank. Currently savings is at 0.7%...
by AerialWombat
Sun Sep 06, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 2841

Re: Reducing road noise that reaches back side of house

I see really no need for a dedicated white noise machine these days when there are dozens of apps for smartphones and tablets. At the very least, I'd use those options to try out whether it helps or not. I would concur, in general. But I'm one of those weirdos that maintains a "no screens in the be...
by AerialWombat
Sun Sep 06, 2020 5:43 pm
Forum: Personal Investments
Topic: Rebalancing: The answer is VTI, right?
Replies: 11
Views: 1511

Re: Rebalancing: The answer is VTI, right?

Thanks for the feedback. Consensus seems to be either sell munis or just use new cash.
sycamore wrote: Sun Sep 06, 2020 2:17 pm just exchange out of Wellesley and into the Wellington fund
I definitely hadn't considered this. I will look more into this idea, thanks!
by AerialWombat
Sun Sep 06, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 2841

Re: Reducing road noise that reaches back side of house

Perhaps you need to instead consider yourself lucky to have a problem with road noise. Many people have so many other issues and problems of various kinds that they never even notice the road noise. Do you have a pet? Maybe yu need a dog as a distraction. Like I said in OP, it's a minor annoyance, ...
by AerialWombat
Sun Sep 06, 2020 3:21 pm
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 2841

Re: Reducing road noise that reaches back side of house

Thanks for all the replies. This entire wagon train of thought appears to be a fool's errand, in terms of doing anything physical outside.

I will look into the white noise machines -- thanks for the links to specific models.
by AerialWombat
Sun Sep 06, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs. Renting Principles
Replies: 204
Views: 12048

Re: Buying vs. Renting Principles (Sticky Thread Request)

I completely disagree with 6 of your 8 points, so I'm not even going to try addressing them one by one. There are simply too many variables in the home purchase decision to boil it down to what you've done here. Sorry, but I just don't think this would be worthwhile to "sticky" even if BH supported ...
by AerialWombat
Sun Sep 06, 2020 12:46 pm
Forum: Personal Investments
Topic: Rebalancing: The answer is VTI, right?
Replies: 11
Views: 1511

Rebalancing: The answer is VTI, right?

I am grateful for all the help this forum has provided me over the past three years. I don't update and review my portfolio on a set schedule, and haven't done so in a while, but I knew I was horribly out of whack from my 30/70 target AA. Updated the magic spreadsheet this morning, and it's clear th...
by AerialWombat
Sun Sep 06, 2020 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Daughter almost ready to launch into professional life
Replies: 45
Views: 4179

Re: Daughter almost ready to launch into professional life

Part of this is coming from my perspective as an employer. 1). As others said, take full advantage of any additional education or professional certifications early. 2). Learn to communicate. Do what is necessary to become a better writer and speaker. Embrace opportunities to share ideas. Don’t be a ...
by AerialWombat
Sat Sep 05, 2020 8:56 pm
Forum: Personal Investments
Topic: Muni Bonds and Risk (VWIUX)
Replies: 29
Views: 2568

Re: Muni Bonds and Risk (VWIUX)

If you held it since January to 9/4/2020 you’d have a real return of 2.64%. But that’s compared to 6.04% real return for Vanguard Total Bond Admiral. So Vanguard Total Bond is significantly outperforming VWIUX so far this year. Yeah, but then one must pay the taxes on the yield. Ewww, so gross. :mr...
by AerialWombat
Sat Sep 05, 2020 8:51 pm
Forum: Personal Investments
Topic: Muni Bonds and Risk (VWIUX)
Replies: 29
Views: 2568

Re: Muni Bonds and Risk (VWIUX)

I’ve added to my holdings of this fund monthly, as per my IPS.

These times are not different or special. Stay the course.
by AerialWombat
Sat Sep 05, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 2841

Re: Reducing road noise that reaches back side of house

Get a white noise machine that has a variety of sounds to choose from. Your fan is a good start, but the frequency is constant so you still hear background variances. White noise machines have choices like "train" and "ocean waves" that vary so that other background noises will be perceived as just...
by AerialWombat
Sat Sep 05, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 2841

Re: Reducing road noise that reaches back side of house

suemarkp wrote: Sat Sep 05, 2020 9:29 am Wait for it to snow. Great sound absorber.
It snows maybe twice a year here, and it doesn't stick. Nice part about being one block from the beach. :)
by AerialWombat
Sat Sep 05, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 2841

Re: Reducing road noise that reaches back side of house

Sandtrap wrote: Sat Sep 05, 2020 9:14 am Have you considered moving?

j🌺
I've moved at least once every year since 2015 (how I acquire rental properties). I moved here in March, staying at least two years, if not three. Only reason I'd be willing to spend a few dollars on this particular problem.
by AerialWombat
Sat Sep 05, 2020 1:21 am
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 2841

Reducing road noise that reaches back side of house

My current abode is a little slice of paradise, in most ways. However... Rural area, but I’m located right on the main road that serves the entire area. Very busy road, 24/7. Two front bedrooms are empty, doors kept closed. I sleep in the one bedroom that’s on the back of the house. But I like to sl...
by AerialWombat
Sat Sep 05, 2020 1:09 am
Forum: Personal Consumer Issues
Topic: Buying guns not an option, what else
Replies: 56
Views: 4975

Re: Buying guns not an option, what else

Fully automatic submachine dog; German shepherd type.

TASER.

Exit strategy.
by AerialWombat
Fri Sep 04, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20059
Views: 2743847

Re: U.S. stocks in free fall

langlands wrote: Fri Sep 04, 2020 2:42 pm ...simply the work of "animal spirits" to borrow a term from Keynes.
I always just assume that distilled spirits have something to do with it. :beer
by AerialWombat
Thu Sep 03, 2020 6:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20059
Views: 2743847

Re: U.S. stocks in free fall

willthrill81 wrote: Thu Sep 03, 2020 4:05 pm ...this drop that just took the market back to where it was last Tuesday.
Last Tuesday?!?!?!?! No, anything but a Tuesday! :(