Search found 117 matches

by yules
Thu Aug 13, 2020 6:04 pm
Forum: Personal Investments
Topic: Suggestions to my 18y son
Replies: 27
Views: 1251

Re: Suggestions to my 18y son

My 18y son asked me for advice to invest a $10,000 gift. I am in doubt between the two portfolios. I really appreciate your comments, suggestions, or even an entirely different portfolio. Vanguard Index Fund: -$5,000 – VTSAX – Total Stock Market Index Fund -$3,000 – VTIAX – Total International Stoc...
by yules
Thu Aug 13, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 115
Views: 5488

Re: Products that last forever

True love.
by yules
Thu Aug 13, 2020 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Which job would you take?
Replies: 18
Views: 1006

Re: Which job would you take?

All, I am seeking some guidance on whether to adjust my current position. Which job would you take? Employer A: High level leadership position 303K compensation 7.125% equity stake in company, vests in 1 year 60 day no cause termination for either party Company is pre-revenue, potential business pa...
by yules
Mon Aug 10, 2020 5:42 pm
Forum: Personal Investments
Topic: Fidelity just got me all steamed up!
Replies: 9
Views: 1509

Re: Fidelity just got me all steamed up!

Friday put in a market order to buy a Fidelity mutual fund.. should have gone through at 4pm closing. When i checked my Fidelity account webpage, says order is 'open'.. looks like it never happened. Then, when I called their 800 number and talked to an agent, this guy was useless. He kept asking me...
by yules
Mon Aug 10, 2020 5:40 pm
Forum: Personal Investments
Topic: Stock/Bond Ratio
Replies: 7
Views: 710

Re: Stock/Bond Ratio

When figuring my stock/bond ratio do I count cash in the bond category? For example I currently have 13% of my portfolio in cash. 40% in bonds 47% in stocks. So to get a 50/50 stock/bond portfolio do I add my cash to my bonds or do I ignore my cash... or how should I look at it? My suggestion, if y...
by yules
Mon Aug 10, 2020 5:33 pm
Forum: Personal Investments
Topic: Changing tax-inefficient portfolio into tax-efficient
Replies: 16
Views: 994

Re: Changing tax-inefficient portfolio into tax-efficient

Greetings. I’m a long-time follower of this site and have gleaned much; thank you! I’d like to pose a question that might help many people figure out what to do with inherited portfolios of funds that possibly are not tax-efficient. Hypothetical: You’re a comfortably set Boomer, living in Californi...
by yules
Mon Aug 03, 2020 8:29 pm
Forum: Personal Consumer Issues
Topic: A Simple Baseball Question, Maybe
Replies: 31
Views: 2553

Re: A Simple Baseball Question, Maybe

Being retired and staying at home waiting for the Covid virus to disappear sometimes makes my mind wander to places I never knew I had in my brain. For example, while watching our beloved Red Sox do what they are paid to do it got me to wondering how the announcers are able to (with 100% certainty)...
by yules
Mon Aug 03, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: UberEats food delivery question
Replies: 5
Views: 488

Re: UberEats food delivery question

Are any of you familiar with Uber Eats food delivery service? We decided to try it for the first time this past weekend. The order, for the family, was big and expensive. After placing the order, we received a message that the driver was 10 minutes away. At the two minute mark, arrived another mess...
by yules
Sat Aug 01, 2020 9:07 pm
Forum: Personal Investments
Topic: International funds in taxable or tax-advantaged?
Replies: 7
Views: 692

Re: International funds in taxable or tax-advantaged?

Thank you, everyone, for your responses. The sense I get from my research, and these responses is that there’s really no way to tell. Yes, there is a way to do math (thank you for the example, RocketshipTech), but overtime, tax rates can change, QDI can change, distribution yield can change, so it’s...
by yules
Sat Aug 01, 2020 6:44 pm
Forum: Personal Investments
Topic: International funds in taxable or tax-advantaged?
Replies: 7
Views: 692

International funds in taxable or tax-advantaged?

Hello fellows, So this hopefully won’t devolve into another debate about whether or not to invest in international. I have a simple question that I have researched and read various comments on the forum, but confuse my royally: it is better to hold an international fund in taxable account or a tax-a...
by yules
Sat Aug 01, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Unmotivated daughter and son in law.
Replies: 115
Views: 9551

Re: Unmotivated daughter and son in law.

sorry to hear this. If he's got $2.8mil and 5 years to live, your daughter may inherit something significant from him to change their situation. Now I'm even more sure you shouldn't contribute to this. He shouldn't either, but you probably can't stop him. Unfortunately if daughter/SIL don't learn a...
by yules
Sat Aug 01, 2020 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Unmotivated daughter and son in law.
Replies: 115
Views: 9551

Re: Unmotivated daughter and son in law.

I am going to try to get some clarity from you all about the advisability of financially "helping" in a pretty fraught family situation. I am not seeking relationship advice, just financial direction. (D)H and I are divorced since 2001. We have remained friendly and we are both remarried. Kid one i...
by yules
Fri Jul 31, 2020 9:03 pm
Forum: Personal Investments
Topic: 28 year old with $1.4 million in cash investing for the first time. My thoughts.
Replies: 72
Views: 9977

Re: 28 year old with $1.4 million in cash investing for the first time. My thoughts.

Presumably OP's money is in a taxable account and not well protected from creditors. I would recommend umbrella insurance and taking any job with benefits. Health insurance and a 401k with its protections would round out OP's investments. Saving the max in a 401k puts money in a well-protected pot....
by yules
Fri Jul 31, 2020 7:14 pm
Forum: Personal Investments
Topic: 28 year old with $1.4 million in cash investing for the first time. My thoughts.
Replies: 72
Views: 9977

Re: 28 year old with $1.4 million in cash investing for the first time. My thoughts.

Hi, I am 28 years old. I have 1,4 million USD in my bank accounts in cash. This is all my net worth. I have no debt. I own nothing. I am single. I wanted to share my thought process with you and to hear any advice you might have for me. I am a long time reader, first time poster. This cash has been...
by yules
Fri Jul 24, 2020 7:28 pm
Forum: Personal Investments
Topic: Is federal long term care insurance worth it?
Replies: 25
Views: 1762

Re: Is federal long term care insurance worth it?

Blue456 wrote:
Fri Jul 24, 2020 7:24 pm
runner3081 wrote:
Fri Jul 24, 2020 7:13 pm
What happens when you leave that job?
You can continue paying into the long term care.
IN that case would the premiums be frozen, community rated, age rated, etc.? That is a big factor to consider in addition to your financial situation/need.

Yules
by yules
Fri Jul 24, 2020 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Job change advice request
Replies: 8
Views: 861

Re: Job change advice request

Hi folks, requesting advice on a job offer I am evaluating. Any advice is appreciated. Thank you. Age: 33 years. Total 8 years work experience. Have made multiple job changes, which were not always prudent. -Current job : Corporate Finance -Current Org in niche but fast growing field. Not too many ...
by yules
Thu Jul 23, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: At what point is an emergency fund irrelevant?
Replies: 67
Views: 4844

Re: At what point is an emergency fund irrelevant?

A little about me 400k/year salary at mega Corp. not federal gov job security but not terrible either No debt, home paid for About 200k in taxable brokerage account. 1.1M in total retirement savings (including the taxable account) Annual expenses (after taxes) of 60k I have 35,000 in an online savi...
by yules
Thu Jul 23, 2020 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: At what point is an emergency fund irrelevant?
Replies: 67
Views: 4844

Re: At what point is an emergency fund irrelevant?

A little about me 400k/year salary at mega Corp. not federal gov job security but not terrible either No debt, home paid for About 200k in taxable brokerage account. 1.1M in total retirement savings (including the taxable account) Annual expenses (after taxes) of 60k I have 35,000 in an online savi...
by yules
Thu Jul 23, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: How dead is dead? (USPS mail)
Replies: 60
Views: 6587

Re: How dead is dead? (USPS mail)

Bogleheads, I have begun to receive political mailings, strangely, from both parties. None of these are particularly informative or insightful and I really don’t need this clutter. I have the urge to write “return to sender—recipient deceased” so stop sending me mail and, hopefully, take me off the...
by yules
Thu Jul 23, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: How dead is dead? (USPS mail)
Replies: 60
Views: 6587

Re: How dead is dead? (USPS mail)

I don't know the rules, but I would not falsely state your living/death status just to avoid some junk mail. Some of those may be targeted to you, but a good number are probably just bulk sent to every house. I would instead pursue other options to opt out of as much junk mail as possible. I've see...
by yules
Thu Jul 23, 2020 4:50 pm
Forum: Personal Consumer Issues
Topic: How dead is dead? (USPS mail)
Replies: 60
Views: 6587

Re: How dead is dead? (USPS mail)

Bogleheads, I have begun to receive political mailings, strangely, from both parties. None of these are particularly informative or insightful and I really don’t need this clutter. I have the urge to write “return to sender—recipient deceased” so stop sending me mail and, hopefully, take me off the...
by yules
Thu Jul 23, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: How dead is dead? (USPS mail)
Replies: 60
Views: 6587

How dead is dead? (USPS mail)

Bogleheads, I have begun to receive political mailings, strangely, from both parties. None of these are particularly informative or insightful and I really don’t need this clutter. I have the urge to write “return to sender—recipient deceased” so stop sending me mail and, hopefully, take me off the ...
by yules
Tue Jul 21, 2020 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Are we saving too much (for our needs)?
Replies: 35
Views: 4002

Re: Are we saving too much (for our needs)?

As a 31/29 couple with 1 child (2.5 yo, no intention for more), we are making ~$175k a year and saving and investing ~100k across 401k, Roth, HSA, 529, and taxable. We live semi-frugally: occasional take-out (especially during Covid, no dine-in), luxury vacations ( :oops: , pre-Covid and pre-child....
by yules
Mon Jul 20, 2020 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: It is okay to spend money on depreciating assets?
Replies: 51
Views: 3657

Re: It is okay to spend money on depreciating assets?

Hello. I m 31 and I will have 100k net worth by the end of the year. I save and invest a lot of my income around 70% and I have 0 debt. I was debating if I should buy a jet ski and side by side in the future but spending such a large amount of money on depreciating assets gives me anxiety. My goal ...
by yules
Mon Jul 20, 2020 4:29 pm
Forum: Investing - Theory, News & General
Topic: Convince me not to sell all my US equities to Cash temporarily
Replies: 135
Views: 10976

Re: Convince me not to sell all my US equities to Cash temporarily

Hi Everyone. For context, I'm 36 years old, married , one child. Less than $500k invested (index funds). 80/20 portfolio. I'm having a really hard time right now, not wanting to temporarily sell all my US equities to cash. The way that US stocks have rebounded baffles me and US equities seem comple...
by yules
Sun Jul 19, 2020 12:26 pm
Forum: Personal Investments
Topic: Learned I want more conservative AA - should I rebalance or gradually glide?
Replies: 11
Views: 884

Re: Learned I want more conservative AA - should I rebalance or gradually glide?

dwickenh wrote:
Sun Jul 19, 2020 10:06 am
Tear the band aid off all at once!!
I argue that going from 75/25 to 60/40 is putting the band aid on all at once, since bonds are for protection/safety of a portfolio.

Yules
by yules
Sat Jul 18, 2020 2:10 pm
Forum: Personal Investments
Topic: Follow along if you want (market timing maybe)
Replies: 32
Views: 4070

Re: Follow along if you want (market timing maybe)

Sure, i will do that on my next update. Barb, Lots of folks like schadenfreude when market timing goes against posters, but I just want to say that I appreciate how you at least had a plan with your money, either to reinvest at lower values or to use it for a house. That’s a step better than some p...
by yules
Fri Jul 17, 2020 6:57 pm
Forum: Investing - Theory, News & General
Topic: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."
Replies: 34
Views: 3453

Re: Of course, this is not a "Timing" advice, but we should be aware of "Billionaires look to reduce equities..."

I don't do what Warren Buffett does, and I don't do what other billionaires do. Why? Because I'm in a totally different financial situation. Exactly. I'm not a billionaire, so why would I invest like one? I'm not 6'5" and 265 pounds like The Rock, so I wouldn't eat a diet like he does. Too bad, bec...
by yules
Fri Jul 17, 2020 6:54 pm
Forum: Personal Investments
Topic: Small & Mid Cap Funds - Sell or Hold ?
Replies: 51
Views: 2919

Re: Small & Mid Cap Funds - Sell or Hold ?

i read in the forums that small and medium caps are close to bottom. Which forums? Can you reveal them? This depends! Always consider the source! Yules Hello , sorry if i am quoting on any members in the following forum but following is where i read it and as i understood :happy https://www.boglehe...
by yules
Fri Jul 17, 2020 6:49 pm
Forum: Investing - Theory, News & General
Topic: When does it make sense to stop contributing to your investment nest egg?
Replies: 15
Views: 1958

Re: When does it make sense to stop contributing to your investment nest egg?

OP, Let me ask you a few questions. You decide how to answer this question. Then, you would have your own answer. Let's say that your portfolio is at 3 million. You have the following choice A) Contribute 70K to your tax-advantaged accounts. B) Pay 35K in taxes and spend an additional 35K. Would yo...
by yules
Fri Jul 17, 2020 6:36 pm
Forum: Personal Investments
Topic: Small & Mid Cap Funds - Sell or Hold ?
Replies: 51
Views: 2919

Re: Small & Mid Cap Funds - Sell or Hold ?

paul1979 wrote:
Thu Jul 16, 2020 1:42 pm


i read in the forums that small and medium caps are close to bottom.
Which forums? Can you reveal them? This depends! Always consider the source!

Yules
by yules
Wed Jul 15, 2020 6:27 pm
Forum: Personal Investments
Topic: 100% cash in this unprecidented time?
Replies: 57
Views: 6840

Re: 100% cash in this unprecidented time?

This is not unprecedented. Google "1918 Flu Pandemic." The 1918 influenza pandemic was the most severe pandemic in recent history. It was caused by an H1N1 virus with genes of avian origin. Although there is not universal consensus regarding where the virus originated, it spread worldwide during 19...
by yules
Wed Jul 15, 2020 6:24 pm
Forum: Personal Investments
Topic: Jack and Vanguard Faithful Considering Fidelity Index Funds for Zero Minimum Investment
Replies: 82
Views: 5775

Re: The cost of small investments

Bogleheads: I remember my first Boglehead Conference with Mr. Bogle at my home in March, 2000. We spent about an hour asking questions. One of of the questions was about Vanguard's high minimum investment. His reply (if my memory is correct) was: "It costs Vanguard about $2,500 to open an account."...
by yules
Fri Jul 10, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Does It Even Matter?
Replies: 5
Views: 1055

Re: Does It Even Matter?

Really? At this point, is there any point? What is the likelihood that the money I save for retirement will even be there when I get to that point? SS is projected to be at 75% by 2035. Who knows what by 2050. Probably 0%. Will there even be jobs? Will there even be money? Will today's money be wor...
by yules
Fri Jul 10, 2020 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a Home to Rent to Mom?
Replies: 15
Views: 1692

Re: Buy a Home to Rent to Mom?

My spouse and I are considering purchasing a small 1200-1500 square foot home for my single mother, and having her rent it back from us. She's 62, still working a stable job, and lives in an apartment. She has never owned a home, so she has no equity outside of her small 401k and expected social se...
by yules
Fri Jul 10, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a Home to Rent to Mom?
Replies: 15
Views: 1692

Re: Buy a Home to Rent to Mom?

+1 to Watty’s comments. What does your mom want? Also, why charge your mom $1,000/month in rent if your expenses are only $333 - $583/month? Perhaps she could retire sooner or stretch her savings farther if her rent was equal to your actual expenses of $333 - $583. I read it as that OP wants to ban...
by yules
Wed Jul 08, 2020 8:19 pm
Forum: Investing - Theory, News & General
Topic: "Are You Questioning Your Foreign Stock Funds?"
Replies: 55
Views: 6052

Re: "Are You Questioning Your Foreign Stock Funds?"

And, honestly, with all due respect to Jack Bible , he is no longer with us and the world is different than when he invested. Not sure why his opinion—to be sure, not needing international is an opinion of his, not a fact like lower expenses means more returns—should continue to be considered a gol...
by yules
Wed Jul 08, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer - lateral comp
Replies: 26
Views: 1882

Re: Job offer - lateral comp

I am in the midst of making a decision on a job change. Current role- VP at a successful start up Base $150k Bonus 25% 401k match 3.5% Initial equity grant 80% vested No annual grants offered Like coworkers and mgmt however have to travel 30-50% and hours/workload are highly unpredictable. Work rem...
by yules
Wed Jul 08, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: Walk or taxi to bus stop to get to the airport?
Replies: 66
Views: 3218

Re: Walk or taxi to bus stop to get to the airport?

If I was going to the airport to get a flight I would do something different than if I was going to the airport to take a shower or if I was going to airport to pick up someone. Why are you going to the airport? I'd have a friend drive me to the bus stop. HAHA, I'm going to the airport to bet on wh...
by yules
Wed Jul 08, 2020 7:02 pm
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 112
Views: 12946

Re: You have a second chance to reduce your stock holdIng

...All those possibilities still exist! The market could begin to tumble tomorrow and we could have lows that last for months and years. All of those possibilities (and more) always exist. The market could begin to tumble (or start a new run toward record highs) tomorrow and we could have lows (or ...
by yules
Wed Jul 08, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: "Are You Questioning Your Foreign Stock Funds?"
Replies: 55
Views: 6052

Re: "Are You Questioning Your Foreign Stock Funds?"

Bogleheads: Dan Sotiroff, a passive strategies research analyst for Morningstar, has written an insightful article about foreign stock funds with these observations and suggestions: "They've (foreign stocks) underperformed by around 6%-7% in aggregate. That's sort of just a continuing story of what...
by yules
Sat Jul 04, 2020 10:16 pm
Forum: Investing - Theory, News & General
Topic: Beat the market by doing (almost) nothing
Replies: 61
Views: 7454

Re: Beat the market by doing (almost) nothing

SB1234 wrote:
Sat Jul 04, 2020 7:11 pm
If you have 25m why are you wasting your time here.
He wants to promote his blog.

Yules
by yules
Sat Jul 04, 2020 7:38 pm
Forum: Investing - Theory, News & General
Topic: Is investment a competition?
Replies: 43
Views: 2432

Re: Is investment a competition?

Yes it is. If everyone saved well and invested wisely it would make it harder because there is a finite amount of goods and services. The more poor savers and unwise investors there are the better it is for the minority who actually are. written by the good Dr. Bernstein in 2003: http://www.efficie...
by yules
Sat Jul 04, 2020 7:35 pm
Forum: Investing - Theory, News & General
Topic: Is investment a competition?
Replies: 43
Views: 2432

Re: Is investment a competition?

Thankfully most people don’t and just prefer to be employees Do you know how many Americans don't even have access to a 401k, and lose out on tax advantages? Do you know how many Americans live paycheck-to-paycheck, not because they can't budget but because their wages are so low relative to their ...
by yules
Sat Jul 04, 2020 12:29 pm
Forum: Investing - Theory, News & General
Topic: Is investment a competition?
Replies: 43
Views: 2432

Re: Is investment a competition?

Thankfully most people don’t and just prefer to be employees Do you know how many Americans don't even have access to a 401k, and lose out on tax advantages? Do you know how many Americans live paycheck-to-paycheck, not because they can't budget but because their wages are so low relative to their ...
by yules
Sat Jul 04, 2020 12:21 pm
Forum: US Chapters
Topic: Celebrating the Fourth of July
Replies: 17
Views: 1255

Re: Celebrating the Fourth of July

Hello Fellow Bogleheads, wanted to let you know that I am proudly celebrating the birth of our country, July 4th, 1776. This was the day when the Continental Congress issued the Declaration of Independence. Hopefully I will be joined by countless others in celebrating the birth of our great nation....
by yules
Sat Jul 04, 2020 12:18 pm
Forum: US Chapters
Topic: The Declaration of Independence
Replies: 66
Views: 9368

Re: The Declaration of Independence

Can someone recommend an allocation among life, liberty, and pursuit of happiness? You need to have life before you have liberty, and probably need liberty to pursue happiness. But pursuit of happiness is not required for liberty and liberty is not required for life, even though they do impact the ...
by yules
Fri Jul 03, 2020 10:00 pm
Forum: Personal Investments
Topic: Fees (other than commission) for selling ETFs?
Replies: 4
Views: 268

Re: Fees (other than commission) for selling ETFs?

There was a thread on this just a couple days ago here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=318949&newpost=5343297 Oh, thank you Cranberry44, 02nz, and navyitaly! I am so embarrassed to ask a question that was just asked. I did try searching, but I think I searched the wrong terms,...
by yules
Fri Jul 03, 2020 9:55 pm
Forum: Investing - Theory, News & General
Topic: Is investment a competition?
Replies: 43
Views: 2432

Re: Is investment a competition?

Recently I've been thinking about this: It does not matter how well my portfolio/strategy works. What really matters is how well other people (particularly in my local area) do. Because eventually the cost of living and my relative buying power depends on how much the majority makes. I always sell ...
by yules
Fri Jul 03, 2020 9:42 pm
Forum: Personal Investments
Topic: Fees (other than commission) for selling ETFs?
Replies: 4
Views: 268

Fees (other than commission) for selling ETFs?

Dear Bogleheads, I recently did some TLH in my Fidelity account, selling and ETF and buying another. To my surprise, there was a fee assessed on my transaction. It was very little, and I confess that I missed this fine print, I saw $0 commission on all ETF trades and accepted that as face value. The...