Search found 985 matches

by Dieharder
Fri Feb 23, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 53
Views: 3261

Re: Larry Swedroe: What Investors Should Worry About

I have high respect for Larry based on his contirbutions over the years in trying to help ordinary investors. That said, I stopped following all the complicated non-correlated alternative investment strategies he is talking about. Many years back Larry used to be big proponent of Commodities as a he...
by Dieharder
Fri Feb 23, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 29
Views: 2963

Re: Still lose with bonds even at duration

Surely, sounds that simple. If only the crystall ball is clear on when that rising rate environment is starting and ending. I should know this, since I have been sitting in stable value since 2014 or so with the conviction that rising rate environment is starting anytime, and gave up extra bond ret...
by Dieharder
Wed Feb 21, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 29
Views: 2963

Re: Still lose with bonds even at duration

Indeed, the SEC yield calculation may be part of it. Regardless, the more worrying thing is what happens if interest rates go up additional times during those 6 years, so you get additional big drops in NAV because the duration of the fund stays at 6 years, and doesn't shrink as you hold the fund. ...
by Dieharder
Sun Feb 18, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Is Enterprise Architecture worth building career upon?
Replies: 12
Views: 1032

Re: Is Enterprise Architecture worth building career upon?

There is no such thing as building a career upon any specific technology oriented title or function within IT. If you are on to Project Management there is a career to build on, and it is a one way street, no going back. Technology architecture and delivery on the other hand will keep you employed a...
by Dieharder
Tue Feb 06, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5174

Re: Want a Safe Car, Feel Guilty

Check out Toyota Avalon, a full size car which is pretty much a Lexus ES, but cheaper and with all the same features and comforts. It came to mind because you mentioned elderly parents, and it has plenty of room everywhere.
by Dieharder
Wed Jan 31, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 5891

Re: Vanguard's advice on bond portion of portfolio

This recommendation from Vanguard is somewhat similar to my bond portfolio, which I came up with on my own. 35% Total Bond Instl 30% TIPS Instl 17.5% Short Term Bond Index Adm 17.5% Total Intl Bond Instl The major difference is inclusion of TIPS instead of interm-term suggested by Vanguard. My reaso...
by Dieharder
Wed Jan 24, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 43
Views: 3630

Re: 50% of my portfolio in FANG - 15% in NVDA

The point again is it doesn't matter if you invested some money in a stock like Amazon, in order to make it matter you have to bet very large amounts and risk going broke. I would disagree with that. A relatively small amount of money in an investment that does very well will matter greatly, given ...
by Dieharder
Wed Jan 24, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 43
Views: 3630

Re: 50% of my portfolio in FANG - 15% in NVDA

The point again is it doesn't matter if you invested some money in a stock like Amazon, in order to make it matter you have to bet very large amounts and risk going broke. I would disagree with that. A relatively small amount of money in an investment that does very well will matter greatly, given ...
by Dieharder
Wed Jan 24, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 43
Views: 3630

Re: 50% of my portfolio in FANG - 15% in NVDA

The point again is it doesn't matter if you invested some money in a stock like Amazon, in order to make it matter you have to bet very large amounts and risk going broke. I would disagree with that. A relatively small amount of money in an investment that does very well will matter greatly, given ...
by Dieharder
Wed Jan 24, 2018 12:11 am
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 43
Views: 3630

Re: 50% of my portfolio in FANG - 15% in NVDA

As someone who HAD almost all of their money in AMZN nearly 20 years ago, not so sure about the yacht part. I used to own a handful of tech stocks back in '99 just like almost everyone else, and AMZN was nearly half of my starter portfolio which was minimal back then. Amazon's IPO turned 20 a few m...
by Dieharder
Tue Jan 23, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 43
Views: 3630

Re: 50% of my portfolio in FANG - 15% in NVDA

Is this strategy awesome or am I setting myself up for doom? 20 years ago, Netscape, AOL, Yahoo, Nortel, and Enron were all hot stocks to be involved in --- Amazon existed, and if you had invested all your money in them, you'd probably be on some yacht somewhere not posting here . As someone who HA...
by Dieharder
Mon Jan 01, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 278
Views: 50266

Re: I'm Calling an Emerging Markets Bottom

Been in EM since 2006, it goes up, it goes down, that's the way it rolls. The beauty of diversification is that it actually works, and in both directions. That's why we hold non-correlated assets, and no guarantee of higher returns ever. Re-balancing rule takes away the need to guess timing correct,...
by Dieharder
Sun Dec 17, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) employer matching
Replies: 8
Views: 638

Re: Solo 401(k) employer matching

Good point about the form. Going back to the contributions part, just to re-confirm, after making the FICA deductions from Dec paycheck the remaining amount can be salary deferral if need to be. As for the profit sharing contributions, it can be any amount as long as the total for the year remains u...
by Dieharder
Sat Dec 16, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) employer matching
Replies: 8
Views: 638

Re: Solo 401(k) employer matching

A one-participant 401k does not have employer matching. It has non-elective employer contributions that bear no relationship to the employee deferrals. While the employee deferrals must be deducted from compensation not already received with a pay date on or before 12/31. The employer has until the...
by Dieharder
Sat Dec 16, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) employer matching
Replies: 8
Views: 638

Solo 401(k) employer matching

Quick question to clarify my understanding of solo 401k employer matching contributions. Consider the following: Joe is 45 yeard old, and only employee of his s-corp. He paid himself $96,000 in w2 wages in 2017, with monthly pay check of $8,000 every month. He is eligible to contribue $18,000 maximu...
by Dieharder
Sat Nov 25, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3202

Re: Bicycle wheels - what's a reasonable budget

Thanks for all the follow-up posts. A quick update on wheels. I placed order to get the new Bontrager Aeolus Pro 3 Carbon Clincher wheels (tubeless ready) through my LBS at a 20% discount on Black Friday. Total cost came under $1000 for full carbon wheels and these Bontrager wheels are designed the...
by Dieharder
Sat Nov 25, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3202

Re: Bicycle wheels - what's a reasonable budget

Thanks for all the follow-up posts. A quick update on wheels. I placed order to get the new Bontrager Aeolus Pro 3 Carbon Clincher wheels (tubeless ready) through my LBS at a 20% discount on Black Friday. Total cost came under $1000 for full carbon wheels and these Bontrager wheels are designed the ...
by Dieharder
Fri Nov 10, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3202

Re: Bicycle wheels - what's a reasonable budget

You don't mention your age, but what you did say makes me think that you are in the older BH grouping. It is possible that you may never get any better or faster on the hills. Despite lighter wheels or a lighter you. Age can tend to do that. Since you are a rider already with many miles behind you,...
by Dieharder
Fri Nov 10, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3202

Re: Bicycle wheels - what's a reasonable budget

I have Dura Ace 9000 C35 on two bikes and really like em--light,good all-arounders, and alum brake tracks. With shopping you can buy at $1200/set or less. Also check out https://www.boydcycling.com/ I have a set of their wheels on a third bike (Altamont) and they are also excellent and cost less. C...
by Dieharder
Fri Nov 10, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3202

Re: Bicycle wheels - what's a reasonable budget

If you are dead set on getting new wheels, actually in line with my previous post get yourself a wheel with a Powertap hub. Training with power doesn't make you inherently faster, but if used properly you will have more defined workouts, which in turn can get you faster. This is a good deal for a r...
by Dieharder
Fri Nov 10, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3202

Re: Bicycle wheels - what's a reasonable budget

Slower though on the hills compared to rest of group for reasons I still haven't figured out fully. May be it is the stock wheels, may be it is gearing and technique, or just not enough experience in the group. I biked about 10k miles/yr back in the day. Slow on the hills is easy to explain. It's a...
by Dieharder
Thu Nov 09, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3202

Re: Bicycle wheels - what's a reasonable budget

As for weight, I cannot lose 10 pounds as I am nearly at optimal weight relative to height. May be another 3-5 pounds top, and it is moving in that direction slowly.
by Dieharder
Thu Nov 09, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3202

Re: Bicycle wheels - what's a reasonable budget

You folks are awesome! a couple of you actually hit the nail on the head. I have already figured out that fancy deep dish carbon wheels aren't going to do me any good, because I am not doing a race, TT or crit, and I am not concerned about increased speed on the flats. I am doing pretty fine on the ...
by Dieharder
Thu Nov 09, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3202

Bicycle wheels - what's a reasonable budget

I am planning to upgrade my stock wheels on my mid-high end carbon fiber bike early next year. Looked at various options and reviews online, talked to fellow cyclists, and LBS wheel guys, etc. Many different outputs, still undecided, but somewhat sure that I am not spending on high end all carbon wh...
by Dieharder
Sun Sep 24, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 27727

Re: Calling out the not so rich bogleheads

I wonder what is the age group of OP :?: are you someone who started saving late, or someone young but starting out, or in between. Whatever it is , I believe there is a place for everyone here. Some of us here started out with the group with very little to invest and have progressed since then grad...
by Dieharder
Sun Sep 24, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6992

Re: Spouse Money Management

There is one simple solution that works for now. Let the GF stay as GF, no change in status until she has finished college, landed a career, and are able to prioritize financial decisions. This may sound cold, but it is far better than unwanted consequences later on. I do not believe people who have...
by Dieharder
Sat Sep 23, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard college calculator and some questions
Replies: 16
Views: 1011

Re: Vanguard college calculator and some questions

Did you pick the most expensive private college option? if so yeah. There are in-state public college options that are half or less of the cost you have quoted. A lot depends on where your student will get admission, and this isn't in your control.
by Dieharder
Thu Jun 29, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Can I retire now?
Replies: 10
Views: 2199

Re: Can I retire now?

46 year old programmers are too young to retire! By that I mean it is a hard skill not easily acquired by everyone and you still have lots to contribute. You may find it hard to be full time employed in the IT department of a major corporation these days with full benefits and all that. However, if ...
by Dieharder
Sun Jun 04, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Road bike tour to Europe
Replies: 10
Views: 1100

Re: Road bike tour to Europe

Thanks for all responses. This is exactly what I was expecting. I will go through all those resources. What is the major down side of guided tour groups? apart from having to adjust your schedule along with everyone else. I don't mind doing it on my own, if I had at least another partner, because of...
by Dieharder
Sat Jun 03, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Road bike tour to Europe
Replies: 10
Views: 1100

Re: Road bike tour to Europe

livesoft wrote:Are you up for paid guided tours? There are many bike touring companies that do European trips complete with sag wagons, luggage transfers, and nice hotels. TripAdvisor.com would help out in this regard.
Yeah, thinking along those lines. Most of them cost a lot, but I guess they do a lot also.
by Dieharder
Sat Jun 03, 2017 6:18 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 10694

Re: Everything keeps going up, this feels too easy?

Yes, nervous about when this is all going to stop. Doing not much other than not directing any new money into equities for at least last couple of years, still they haven't been out of order due to all the growth. Sold some over the last year to reduce it further to bring down to age-10 in bonds, al...
by Dieharder
Sat Jun 03, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Road bike tour to Europe
Replies: 10
Views: 1100

Road bike tour to Europe

I wish to generate some ideas from folks here who may have done road bike tours to Europe. I am not seeking the Raybo variety of tour, but a road cyclist who does 25 milers on nomal days and about three century rides a year. I like fast short rides and enjoy up to a century, but not someone who is i...
by Dieharder
Thu May 04, 2017 7:01 am
Forum: Investing - Theory, News & General
Topic: Morgan Stanley drops Vanguard funds
Replies: 26
Views: 8272

Re: Morgan Stanley drops Vanguard funds

They are indeed underperforming, for MS's profits by way of kickbacks and commissions, they never said it was underperforming for the clients.
by Dieharder
Fri Apr 28, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 46000

Re: Larry Swedroe says "Goodby."

Larry Swedroe has made many contributions to this community. But to me the most important contribution he made is to teach others how to do the research themselves and arrive at the conclusions themselves. Instead of telling others what to do, he basically sited a lot of research papers and academic...
by Dieharder
Sat Mar 18, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: CPA misplaced tax information
Replies: 12
Views: 1984

Re: CPA misplaced tax information

Recourse? Well freezing and placing reports on your credit reports which you already have. You can also engage a company that provides credit monitoring services... but you should have that I'd you were victim of OPM hack. Do you mean recourselves against the CPA? Taking your future business elsewh...
by Dieharder
Fri Mar 17, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: CPA misplaced tax information
Replies: 12
Views: 1984

CPA misplaced tax information

I am really upset about the CPA who did my company taxes this year. This is the first time I am using them and came as referral from someone else I knew. The issue is not with tax filing or getting numbers incorrect, but he put my tax information to me in USPS mail without any tracking and without t...
by Dieharder
Thu Mar 09, 2017 8:43 pm
Forum: Forum Issues and Administration
Topic: What would happen if a hacker got a full database dump of the site?
Replies: 29
Views: 3791

Re: What would happen if a hacker got a full database dump of the site?

Probably a safe bet that any information from this site is not worth more than the OPM database which was hacked. Since that is out there with whoever hacked it, what is there to worry :shock:
by Dieharder
Fri Mar 03, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 5325

Re: Family Hounding me to Purchase SUV or Minivan

Nope, my garage is sparkling clean. I park my $60K SUV and the $20K small car inside all the time. I also hang my two bicycles worth above $6000 in there. I have also managed to have a seven figure portfolio while doing all this. It not worth becoming the richest guy in the graveyard. Live a little...
by Dieharder
Fri Mar 03, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 5325

Re: Family Hounding me to Purchase SUV or Minivan

Just get the darn minivan already :shock: let the kids enjoy road trips and family vacations, they can hold a lot of gear and everyone can stretch out. Your kids will be all grown up in a few years and gone out of your home. Life is not worth struggling with a 200,000+ beat up Accord to feel good a...
by Dieharder
Fri Mar 03, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 5325

Re: Family Hounding me to Purchase SUV or Minivan

Just get the darn minivan already :shock: let the kids enjoy road trips and family vacations, they can hold a lot of gear and everyone can stretch out. Your kids will be all grown up in a few years and gone out of your home. Life is not worth struggling with a 200,000+ beat up Accord to feel good ab...
by Dieharder
Sun Feb 26, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: How much are independent contractors really taxed?
Replies: 48
Views: 4587

Re: How much are independent contractors really taxed?

To OP - I don't know why you keep asking 30% will go for tax? It's not like that, as someone else stated 7.65% SE tax additional as employer share is what is really extra, everything else remains same. Apart from that there is state/ federal unemployment tax, business licences state / county, annual...
by Dieharder
Mon Feb 20, 2017 6:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 5906

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

White Coat Investor wrote:I might be the only one who still types in diehards.org.
Nope, you are not alone :) it's a few letters short to type in and old habits die hard (sic)

Happy 10th to all. Life wouldn't have been same without this forum and the amazing group of people, not to mention the great Jack Bogle.
by Dieharder
Mon Feb 20, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 8929

Re: 20% bonds: why bother at 48?

I think you are the one missing the point. I never said anything about equity portfolio losing 100% value, just massive losses, you just cannot liquidate a portfolio that has experienced massive losses, even as much as 50%, not evven the 80% losses experienced in great depression. If you do that th...
by Dieharder
Mon Feb 20, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 8929

Re: 20% bonds: why bother at 48?

If here's a global meltdown, 20% won't be enough to be meaningful. This is the problem. The difference is between having something vs. nothing. You have to look at the dollar value of that 20% and understand that is the money you have left after a so-called global meltdown (equity I guess). If ever...
by Dieharder
Mon Feb 20, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 8929

Re: 20% bonds: why bother at 48?

If here's a global meltdown, 20% won't be enough to be meaningful. This is the problem. The difference is between having something vs. nothing. You have to look at the dollar value of that 20% and understand that is the money you have left after a so-called global meltdown (equity I guess). If ever...
by Dieharder
Mon Feb 20, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: S-Corp owners - which Turbox Tax
Replies: 2
Views: 298

S-Corp owners - which Turbox Tax

I am getting my business tax prepared through my CPA and they will provide me with Schedule K-1 (Form 1120S), and any supplimental forms. On the personal income side, I have decided to file it myself as my situation is not very complex and we have been doing Turbo Tax Deluxe (CD) for many years. I h...
by Dieharder
Mon Feb 20, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 8929

Re: 20% bonds: why bother at 48?

If here's a global meltdown, 20% won't be enough to be meaningful. This is the problem. The difference is between having something vs. nothing. You have to look at the dollar value of that 20% and understand that is the money you have left after a so-called global meltdown (equity I guess). If ever...
by Dieharder
Tue Feb 14, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 76
Views: 12682

Re: Audi Q7 Reliability

Never seen a Lexus stranded on the roadside, but the other day saw a Q7 stranded on the side of the highway with the occupants (a young family) standing outside. Of course, this could be a one off incident. Just sayin'
by Dieharder
Tue Jan 17, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 5754

Re: My co-worker boasting about his investments. What do you think about his selections?

I am done playing these games with people. I show passive interest even when someone brings up the topic of investments at a cocktail party. Mostly there is nothing to be learned from it, and there is no point in giving your opinion of boring investment advice, as no one gets rich quick with slow sa...
by Dieharder
Sat Jan 14, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard not the best choice for I401k or Sep IRA
Replies: 13
Views: 1194

Re: Is Vanguard not the best choice for I401k or Sep IRA

+1 for Vanguard i401k I have considered all of the above mentioned alternatives and came to the conclusion that rollover feature isn't important to me. As for admiral shares, well that really sucks, but I am not complaining too much about it. It all comes down to managing your overall portfolio. My ...