Search found 98 matches

by Plz
Thu Nov 21, 2019 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 51
Views: 7367

Re: What are the best jobs to downshift into?

Any ideas for low stress jobs that are still intellectually stimulating?
by Plz
Thu Nov 21, 2019 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Year off - need advice!
Replies: 16
Views: 2730

Re: Year off - need advice!

Thegame14 wrote:
Wed Nov 20, 2019 11:18 pm
sounds like your next career can be anything you want including retirement. Id look for a cushy govt job or a passion job, if you still want to persue soemthing in CFO role, I would do it fore no more than 5 years and then retire.
What are good examples of a cushy government job?
by Plz
Fri Nov 15, 2019 4:02 am
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 51
Views: 7367

Re: What are the best jobs to downshift into?

Yes, certainly what’s best for one person is not best for another. This thread was created for idea generation
by Plz
Thu Nov 14, 2019 4:40 am
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 51
Views: 7367

What are the best jobs to downshift into?

Excluding doing the same work part time or consulting for the same line of work.

Two ideas that came to me: working for a nonprofit you care about and working at a golf course.
by Plz
Tue Nov 12, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 50
Views: 6051

Re: Bitcoin Talk

For bitcoin bulls, what are your favorite valuation models/frameworks? I’ve read about stock to flow and comparing it to the market cap of gold....but neither methodology seem intellectually honest to me. Are there others? Also, there have been more research done on how the price jump to ~$20k was l...
by Plz
Mon Nov 11, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?
Replies: 21
Views: 2855

Re: Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?

Thanks all for the replies, will adjust the budget accordingly.
by Plz
Fri Nov 08, 2019 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?
Replies: 21
Views: 2855

Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?

I’m trying to do the math for a move and see if it would be worthwhile and would love to get some budget data from single people or DINKs (double income no kids) who live in high cost of living or very high cost of living areas. If you wouldn’t mind sharing ballpark numbers, I would really appreciat...
by Plz
Fri Oct 18, 2019 3:32 pm
Forum: Investing - Theory, News & General
Topic: What exactly happens at the back end when I buy a mutual fund or ETF?
Replies: 4
Views: 905

Re: What exactly happens at the back end when I buy a mutual fund or ETF?

Best guess: they net all customer buys/sells today to determine the net deltaCash coming in/out. They compare deltaCash with currentCash and policy to determine if buying/selling securities is required. (If, say, deltaCash is +$1000 and they currently have $20,000 and their policy target is $10,000...
by Plz
Fri Oct 18, 2019 12:13 am
Forum: Investing - Theory, News & General
Topic: What exactly happens at the back end when I buy a mutual fund or ETF?
Replies: 4
Views: 905

What exactly happens at the back end when I buy a mutual fund or ETF?

After I buy $100 of the Vanguard Total Stock Market Mutual Fund, I get $100 worth of the mutual fund at the day’s closing price. What does Vanguard do on the backend? Does it tally all the buy/sell orders from the day and buys/sells the appropriate amount? How does it ensure that it gets the underly...
by Plz
Mon Oct 14, 2019 6:50 pm
Forum: Investing - Theory, News & General
Topic: Bond allocation optimization
Replies: 5
Views: 1028

Re: Bond allocation optimization

See this paper from vanguard on international bond allocation: Global fixed income: Considerations for U.S. investors . In a nutshell, you should probably not use international un hedged bonds unless you have a strong belief that the USD will depreciate by 1% per year. You can use international hed...
by Plz
Mon Oct 14, 2019 1:10 am
Forum: Investing - Theory, News & General
Topic: Bond allocation optimization
Replies: 5
Views: 1028

Bond allocation optimization

A boglehead might have a 70/30 or 60/40 portfolio. There’s a lot of thought and analysis that goes into the domestic vs international equity allocation, but there seems to be less out there for the bond allocation. 1) What are the top factors you consider when choosing which bond funds to invest in?...
by Plz
Tue Oct 08, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?
Replies: 16
Views: 1776

Re: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?

Also, does it matter in any way that VTI’s AUM is so much larger than SCHB? Does it make VTI a bit safer or less likely to face issues?
by Plz
Tue Oct 08, 2019 1:15 am
Forum: Investing - Theory, News & General
Topic: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?
Replies: 16
Views: 1776

Bogleheads at Schwab - will you start buying Vanguard ETFs instead?

You bought SCHB. Now that ETFs are free trades, are you going to stick with it as you continue to save and invest? Or will you switch to VTI?
by Plz
Tue Oct 01, 2019 8:54 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 10449

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

Great! So I can buy Vanguard ETFs at schwab for free?

Effectively, is there a difference between holding Vanguard ETFs at Vanguard vs at schwab?

Also, is there a reason to prefer a US total market etf from schwab over vanguard anymore?
by Plz
Tue Sep 17, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Retirees that have hobbies that make money - what are they?
Replies: 26
Views: 3358

Re: Retirees that have hobbies that make money - what are they?

From the seasoned retirees thread: Find two hobbies: One to make you money. One to keep you in shape. Many posters, including myself, were curious about the details of such hobbies! If you have a hobby that makes money, what is it? And if you don’t mind sharing, how much does it make/how much did y...
by Plz
Tue Sep 17, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 113
Views: 21095

Re: Besides Bogleheads, What Are Your Favorite Forums?

Great thread! Wanted to push it to the top so maybe we can learn of more great forums
by Plz
Fri Sep 13, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Need gift ideas for my parents
Replies: 18
Views: 1395

Need gift ideas for my parents

Found one!
by Plz
Mon Sep 09, 2019 4:23 am
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5013

Re: Looking at investment asset allocation in more detail than stocks/bonds

I believe that the majority of us has a large portion of our investments in low cost index funds/ETFs. Then there are those of us who also hold real estate, RSUs, individual stocks, private equity, sector-specific funds, P2P lending accounts, cryptocurrency, commodities, and leveraged ETFs a la HED...
by Plz
Thu Aug 29, 2019 3:15 am
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5013

Re: Looking at investment asset allocation in more detail than stocks/bonds

But I’m curious - for those of you that have ventured outside of the traditional boglehead portfolio, what did you invest in/are you invested in? How did you do compared to the boglehead portfolio? How big are the non-boglehead investments as a percentage of your total investments? Would you recomm...
by Plz
Thu Aug 22, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5013

Re: Looking at investment asset allocation in more detail than stocks/bonds

I think the only case of complete loss would come from the leveraged fund being down 100%/leverage factor in one day?

So say 33.3% for UPRO?
by Plz
Tue Aug 20, 2019 10:16 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5013

Re: Looking at investment asset allocation in more detail than stocks/bonds

Do not include physically held R/E REIT index fund to taste. Search thread archives..lots on this addressing REITs as a diversifier. J🌺 Why don’t you include physical real estate? Oops. Yikes! My typo!!!!!! Do include R/E income property! Apologies 😬 If I remember correctly, you actually have quite...
by Plz
Tue Aug 20, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5013

Re: Looking at investment asset allocation in more detail than stocks/bonds

Sandtrap wrote:
Tue Aug 20, 2019 9:41 am
Do not include physically held R/E
REIT index fund to taste. Search thread archives..lots on this addressing REITs as a diversifier.
J🌺
Why don’t you include physical real estate?
by Plz
Tue Aug 20, 2019 1:08 am
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5013

Re: Looking at investment asset allocation in more detail than stocks/bonds

Apart from my small allocation to the Excellent Adventure, my only current deviation from the three-fund portfolio is that I split my bond holdings 50/50 between total bond and long term treasuries. No real estate or individual stocks for me. I sell all my RSUs at the earliest possible time so I do...
by Plz
Mon Aug 19, 2019 11:20 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5013

Looking at investment asset allocation in more detail than stocks/bonds

I believe that the majority of us has a large portion of our investments in low cost index funds/ETFs. Then there are those of us who also hold real estate, RSUs, individual stocks, private equity, sector-specific funds, P2P lending accounts, cryptocurrency, commodities, and leveraged ETFs a la HEDG...
by Plz
Fri Aug 09, 2019 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Silly question - what’s your largest non-essential item as a % of your net worth? Or, what is its dollar value?
Replies: 25
Views: 1878

Silly question - what’s your largest non-essential item as a % of your net worth? Or, what is its dollar value?

What is your largest non-essential item as a percent of your net worth? Or, what is its dollar value? Excluding investments, I have nothing worth over $1,000. I own no jewelry, my car is old and cheap (and considered an essential, more on this later*), and I don’t collect anything. I suppose my cel...
by Plz
Mon Jul 22, 2019 3:39 am
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 176
Views: 25531

Re: Ray Dalio’s latest fearmongering round

So Warren could be pitted against, say, Bridgewater's All Weather fund. I would anticipate Warren would easily beat Bridgewater on return only, but I'd be curious to see how they do comparing Sharpe Ratios.... That's answering the question, how much return did you get per unit of risk that you took...
by Plz
Fri Jul 19, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 176
Views: 25531

Re: Ray Dalio’s latest fearmongering round

We listen to Buffett because of his long term investment success. Dalio is obviously one of the best managers out there, but is there a way to look up his historical performance like we can for Buffett? Would be interested to see that, but I would add that the only fair comparison would be a risk-a...
by Plz
Fri Jul 19, 2019 7:43 am
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 176
Views: 25531

Re: Ray Dalio’s latest fearmongering round

We listen to Buffett because of his long term investment success. Dalio is obviously one of the best managers out there, but is there a way to look up his historical performance like we can for Buffett? Would be interested to see that, but I would add that the only fair comparison would be a risk-a...
by Plz
Fri Jul 19, 2019 7:41 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 50
Views: 6051

Re: Bitcoin Talk

Bitcoin discussion [/quote] Hi again TomCat, I wanted to let you know that I’ve done more reading than I ever thought I would on bitcoin and am still a bit stumped. I thought maybe you could help. 1. What’s a bitcoin worth to you and how do you arrive at this value? 2. What do you think about that ...
by Plz
Fri Jul 19, 2019 7:34 am
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 176
Views: 25531

Re: Ray Dalio’s latest fearmongering round

We listen to Buffett because of his long term investment success.

Dalio is obviously one of the best managers out there, but is there a way to look up his historical performance like we can for Buffett?
by Plz
Fri Jun 28, 2019 2:20 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 50
Views: 6051

Re: Bitcoin Talk

I just wanted to start a thread because there is interesting discussion regarding btc in the facebook libra thread ( https://www.bogleheads.org/forum/viewtopic.php?p=4605431#p4605431 ) but prudent correctly directed the thread posts to remain on topic with the OP. Disclaimer I am not a btc proponen...
by Plz
Fri Jun 21, 2019 3:15 am
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 44
Views: 4975

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

I’ve always been confused with crypto currencies - maybe someone can help me understand. Gold has value because it is rare and is an actual thing. It’s worth what someone is willing to pay for it, but it can also be used for other things. Intuitively I get this. It’s rarity and I supposeuses give i...
by Plz
Thu Jun 20, 2019 12:20 am
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 44
Views: 4975

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

... Either way, let’s make boglecoin. What’s the downside? The JoMoney coin is available, it is available on the JoMoney exchange and can be purchased via PayPal. It will be pegged to the U.S. dollar so it's purchasing power and usefulness as a unit of account will remain stable (as money should).....
by Plz
Wed Jun 19, 2019 11:43 pm
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 44
Views: 4975

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

I’ve always been confused with crypto currencies - maybe someone can help me understand. Gold has value because it is rare and is an actual thing. It’s worth what someone is willing to pay for it, but it can also be used for other things. Intuitively I get this. It’s rarity and I supposeuses give it...
by Plz
Mon May 20, 2019 4:36 am
Forum: Personal Investments
Topic: Am I off my rocker? Shift some assets to real estate?
Replies: 23
Views: 2138

Am I off my rocker? Shift some assets to real estate?

Given the trade war, I’m a bit fearful over how equities will perform. The normal bogglehead response would be to increase bond allocation...but I’m wondering...what do you think about shifting to real estate that generates rental income? Of course, where the property is located is of paramount impo...
by Plz
Fri May 17, 2019 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Who’s as good as Schwab (Low brokerage fees + convenience of global ATMs)?
Replies: 8
Views: 889

Re: Who’s as good as Schwab (Low brokerage fees + convenience of global ATMs)?

Yes, Fidelity carries the zero expense ETFs, but their ATM withdrawals abroad are inferior. In what way are Fidelity ATM withdrawals abroad inferior? 1% foreign transaction fee I was under the impression that foreign ATM withdrawals are not a foreign transaction and there was no foreign transaction...
by Plz
Fri May 17, 2019 2:48 am
Forum: Personal Finance (Not Investing)
Topic: Who’s as good as Schwab (Low brokerage fees + convenience of global ATMs)?
Replies: 8
Views: 889

Re: Who’s as good as Schwab (Low brokerage fees + convenience of global ATMs)?

AlohaJoe wrote:
Fri May 17, 2019 2:19 am
Plz wrote:
Fri May 17, 2019 1:30 am
Yes, Fidelity carries the zero expense ETFs, but their ATM withdrawals abroad are inferior.
In what way are Fidelity ATM withdrawals abroad inferior?
1% foreign transaction fee
by Plz
Fri May 17, 2019 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Who’s as good as Schwab (Low brokerage fees + convenience of global ATMs)?
Replies: 8
Views: 889

Who’s as good as Schwab (Low brokerage fees + convenience of global ATMs)?

I know the big 3 here are Vanguard, Fidelity, and Schwab. However, neither of the other two can match Schwab’s convenience in withdrawing money in any currency without a fee and at a fair exchange rate from ATMs across the globe (can they?). Yes, Vanguard’s MM account yields more than Schwab’s, but ...
by Plz
Mon May 06, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: Those that have transitioned from a HCOL to a LCOL area in retirement - how is it?
Replies: 4
Views: 1116

Those that have transitioned from a HCOL to a LCOL area in retirement - how is it?

I have so many questions for you! 1. How did you pick the LCOL area? Are you still domestic or did you move abroad? 2. How has your transition been? 3. Any tips you wish you could have given yourself prior to the change? 4. What were some positive/negative surprises? 5. Do you see your family/friend...
by Plz
Fri May 03, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Expat couple filing taxes
Replies: 10
Views: 1167

Re: Expat couple filing taxes

Thanks all
by Plz
Thu May 02, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Expat couple filing taxes
Replies: 10
Views: 1167

Re: Expat couple filing taxes

A US married couple works abroad. One person makes over $100k and thus does not qualify for the tax credit. The other makes under $100k and does. Let’s assume no other factors for taxes. Does this situation work out so it’s as simple as paying taxes as if they were single? It’s not a tax credit and...
by Plz
Thu May 02, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Expat couple filing taxes
Replies: 10
Views: 1167

Expat couple filing taxes

A US married couple works abroad. One person makes over $100k and thus does not qualify for the tax credit. The other makes under $100k and does. Let’s assume no other factors for taxes.

Does this situation work out so it’s as simple as paying taxes as if they were single?
by Plz
Thu May 02, 2019 2:36 am
Forum: Personal Consumer Issues
Topic: My silly question: what $20-50 gift should I ask for?
Replies: 20
Views: 1547

Re: My silly question: what $20-50 gift should I ask for?

Finally, how about making a donation in your name to a charity you support? This is a great idea, thank you! One small edit for my tastes would be in their own name or anonymously +1 on the experiences, like a class or a play or entrance to art museum. Or a gift certificate to a favorite cafe or co...
by Plz
Thu May 02, 2019 1:41 am
Forum: Personal Consumer Issues
Topic: My silly question: what $20-50 gift should I ask for?
Replies: 20
Views: 1547

My silly question: what $20-50 gift should I ask for?

I am a minimalist and literally take satisfaction in not owning too much stuff. I don’t “need” anything, and for those things that I do need, I buy them myself. This puts people who want to get me gifts (even though I say they don’t have to) in a tough spot. No one knows what to get me because even ...
by Plz
Thu Mar 14, 2019 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: If you were X years old, how much would you need to retire?
Replies: 21
Views: 3080

If you were X years old, how much would you need to retire?

I see a few people who have made a killing on bitcoin and have retired at a young age. This got me thinking, how much, in dollars, not a multiple of annual expenses, would you need to retire at age 20? 30? 40? 50?
by Plz
Fri Mar 01, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: "3 Things to Be Aware of Amid ETF Fee Wars"
Replies: 33
Views: 3733

Re: "3 Things to Be Aware of Amid ETF Fee Wars"

Is there a reason not to switch mutual funds into the same ETF?
by Plz
Wed Dec 12, 2018 9:13 pm
Forum: Personal Investments
Topic: Being locked out of my account and "research team" will contact me in 72 hours
Replies: 33
Views: 4201

Re: Being locked out of my account and "research team" will contact me in 72 hours

AlphaLess wrote:
Wed Dec 12, 2018 9:01 pm
I am very curious to know how this gets resolved.

TIA for keeping the thread updated.
Ditto, please let us know what happens next.
by Plz
Tue Dec 11, 2018 5:36 am
Forum: Personal Consumer Issues
Topic: Happy holidays bogleheads, what gift are you most excited to give this year?
Replies: 4
Views: 604

Happy holidays bogleheads, what gift are you most excited to give this year?

For me, I’m giving the gift of vacation, which we will be taking soon!
by Plz
Mon Dec 03, 2018 10:40 pm
Forum: Personal Investments
Topic: Should I moved my American Funds to Vanguard?
Replies: 18
Views: 1329

Re: Should I moved my American Funds to Vanguard?

What are the differences between C and F shares? I started off my Roth IRA in 2003 at American Funds and stopped adding anymore in 2012 with a current balance of only $32,000. Since I learned "the truth" about fees and index funds", I've been investing in Vanguard only. I am holding both C share and...