Search found 16958 matches

by Grt2bOutdoors
Sun Dec 17, 2017 3:23 am
Forum: Investing - Help with Personal Investments
Topic: too much $ in my company of work?
Replies: 4
Views: 237

Re: too much $ in my company of work?

Do you not mind losing money? You essentially have a concentrated bet that says “my pick will meet or outperform the market long term”. Take a look at market history, there are usually a small percentage of stocks which outperform, the remainder usually are either average or below average. What happ...
by Grt2bOutdoors
Sat Dec 16, 2017 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone putting money aside into Gold?
Replies: 44
Views: 2032

Re: Is anyone putting money aside into Gold?

It doesn’t have any revenue, it offers no interest, no dividends. It’s only utility is one of an industrial nature or that of a shiny bauble that must be insured, protected and kept. In essence, not only must you pay to buy it, you continue to pay long after the initial purchase with no prospect of ...
by Grt2bOutdoors
Fri Dec 15, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 36
Views: 1842

Re: 28 Years Old: In the current market, what % into bonds?

75/25 is as good if not better than 95/5 or 100 percent equity. You will not know your true risk tolerance until you’ve been battle tested. The crash of 2008/2009 was one such event that created such fear and panic that market sold off throwing the baby out with the bath water.
by Grt2bOutdoors
Fri Dec 15, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6054

Re: Snow Tires? Worth it?

I don't think that those who use all season tires to make it through the entire year are being ignorant in snowy regions of the US or Canada, it's just they have chosen to "get by" with what they have because you can "get by" with allowing longer duration for accelerating from a stop, and more leng...
by Grt2bOutdoors
Fri Dec 15, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 117
Views: 6485

Re: How much did you contribute to your 401k in 2017?

The husband and I are small potatoes here -- late 40's for a grand total of $2500. If you leave the potatoes in the ground long enough, you’ll find the small potatoes grow into big long ones. Long ago, I opened my first IRA for $100 when the maximum was considerably higher. Guess that made me a sma...
by Grt2bOutdoors
Thu Dec 14, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: any sense in purchasing an annuity before retirement?
Replies: 35
Views: 1961

Re: any sense in purchasing an annuity before retirement?

This is not good advice. I don't recommend mixing insurance (the annuity is longevity insurance) with investing. Many don't like variable annuities, but historically, over the long-term, they have paid more investment income (and thus a higher monthly benefit) than SPIA's. That's why they blew up i...
by Grt2bOutdoors
Thu Dec 14, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: any sense in purchasing an annuity before retirement?
Replies: 35
Views: 1961

Re: any sense in purchasing an annuity before retirement?

Ignore any advice that advocates the use of a variable annuity for "floor" planning. Acceptable vehicles for floor planning - Social Security, inflation adjusted fixed income ladders preferably as opposed to nominal instruments only, Single Premium Immediate Annuities. https://www.bogleheads.org/for...
by Grt2bOutdoors
Wed Dec 13, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest like this ?
Replies: 13
Views: 870

Re: Should I invest like this ?

Timing the market is a losers game.
by Grt2bOutdoors
Wed Dec 13, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?
Replies: 176
Views: 4464

Re: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?

You decided to move all your stock mutual funds into High-Yield Bond funds (or at least this is what you stated in another thread) and now you are considering buying back into S&P on margin? Do I have this right? Nothing about what you are stating is very Bogle-heady as no Bogle-heady book/source/r...
by Grt2bOutdoors
Wed Dec 13, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?
Replies: 176
Views: 4464

Re: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?

If you have $100k in mutual funds, your broker will treat that as $50k in cash for margin purposes. So, without forcing you to sell the mutual funds, they'll pretend you have $50k in cash in your margin account, which you can use to buy $167k (50/0.3) of SPY. So which is more Bogle-heady for Decemb...
by Grt2bOutdoors
Wed Dec 13, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 41
Views: 2734

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

Zero. Zero do because the securities exchanges are closed on January 1st of each year!
by Grt2bOutdoors
Wed Dec 13, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Teaching elementary school kids about money
Replies: 32
Views: 1834

Re: Teaching elementary school kids about money

The tried and true, budgeting allowance. He/she wants a toy, game or special book they must save x amount until they have enough money to purchase. We used this early on with our kids and they are debt free, except for mortgage, today. Sure that works, as a result, my kid developed an entrepreneuri...
by Grt2bOutdoors
Wed Dec 13, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Teaching elementary school kids about money
Replies: 32
Views: 1834

Re: Teaching elementary school kids about money

Try this: Your local neighborhood squirrel has to accumulate X number of nuts to live each month. Come the fall season, the squirrel needs to gather X+Y nuts to be able to survive the winter months when there is less or no food available. How many nuts does the squirrel need to save to be able to ea...
by Grt2bOutdoors
Wed Dec 13, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Variable Annuities / REITs
Replies: 11
Views: 755

Re: Vanguard Variable Annuities / REITs

Isn't it the cost of the annuity plus the cost of the underlying REIT fund? Yes, use of a low cost variable annuity to hold REIT is not a bad idea, provided you can hold on for long periods of time to make it worth the cost.
by Grt2bOutdoors
Wed Dec 13, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: I'm sure you've seen this.
Replies: 4
Views: 897

Re: I'm sure you've seen this.

They are calling it a bubble, yet, the Japanese I hear have accepted it as a means of payment. The SEC regulated exchanges, Chicago Board of Exchange is offering or wants to offer a means of trading futures or "bets" on the direction of something with zero intrinsic value. And the meanwhile, the reg...
by Grt2bOutdoors
Tue Dec 12, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Play money individual stocks, which ones?
Replies: 49
Views: 2597

Re: Play money individual stocks, which ones?

triggertreat wrote:
Tue Dec 12, 2017 5:39 pm
Tootsie Roll
Are you waiting for Ms. Gordon to sell? So is half of Wall Street. My bet is Warren Buffet buys the company or Mars, Inc.
When and if they are willing to sell out!
by Grt2bOutdoors
Tue Dec 12, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 135
Views: 13678

Re: What to do after losing $117k in stock market?

Hard to answer, was the loss due to margin, or you bought 500k of stocks that are now worth 380K. What do you have left in your brokerage account? I lost it all permanently. I have some major bad luck. Invested large chunks in biotech last October before Presidential election. Then, Hillary Clinton...
by Grt2bOutdoors
Tue Dec 12, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Play money individual stocks, which ones?
Replies: 49
Views: 2597

Re: Play money individual stocks, which ones?

Own individual equities as part of overall portfolio (~20%). That said, there is nothing "play money" about it. I've had winners/had losers, net net, the amount of gains prevent me from liquidating as they are all up. No, I will not be donating them either. As a previous poster said, many of these w...
by Grt2bOutdoors
Tue Dec 12, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Conflicting goals, and limited income
Replies: 25
Views: 2279

Re: Conflicting goals, and limited income

How do you estimate your Roth IRA will be worth $3-4 million at age 65? If annual contributions are $5,500 from ages 0-49 and then $6,500 from ages 50 to retirement, what percentage annual return are you expecting throughout the investing period? I went to bankrate.com and looked at the Roth IRA ca...
by Grt2bOutdoors
Tue Dec 12, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 84
Views: 7184

Re: 2018 financial goals - what are yours?

1. Fund a mega back door Roth.
2. Donate more time and/or money to charitable causes.
3. Fund 401k and make contributions to our friend, IRA.
4. Pay off some debt.
by Grt2bOutdoors
Tue Dec 12, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 84
Views: 7184

Re: 2018 financial goals - what are yours?

Retired, conservative investor, no debt. As long as we beat inflation we're good, that's the goal. Mine too exactly. Here is my absolutely BORING portfolio AA as a 70-year-old retired k12 LAUSD teacher: https://s19.postimg.org/uyb1gl92b/2017_Q2_Asset_Allocation.png Did I mention the 7.5% return on ...
by Grt2bOutdoors
Mon Dec 11, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: What to do when emergency fund runs out? (IPS)
Replies: 8
Views: 1086

Re: What to do when emergency fund runs out? (IPS)

If your emergency fund has run out, perhaps you should consider increasing the amount held within your emergency fund after you’ve recovered from it. Or, saving more money, spending less now so that chances of you needing to tap emergency money is lower.
by Grt2bOutdoors
Sun Dec 10, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Need advice
Replies: 16
Views: 850

Re: New Investor Need advice

Grt2bOutdoors Thanks. What target funds should I pick? The fund that is closest to your stated asset allocation of 80/20. Go to troweprices website and look at the asset allocation for each fund, then select the one you desire to hold. You only need to invest in 1 fund - not two and not four, just 1.
by Grt2bOutdoors
Sun Dec 10, 2017 8:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 27
Views: 2525

Re: Vanguard's 2018 Outlook has extremely low expected returns

I predict there will be more predictions in the coming year, predictions that are based on crystal ball gazing and have little correlation to what actually occurs in the world.
by Grt2bOutdoors
Sun Dec 10, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Need advice
Replies: 16
Views: 850

Re: New Investor Need advice

Use the Target Retirement funds that most closely approximates desired asset allocation. The individual options lack a good mid small cap option nor do you have a good international option.
by Grt2bOutdoors
Sun Dec 10, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford? (First Home)
Replies: 27
Views: 2289

Re: How much house can I afford? (First Home)

Rent! Use the money to reduce borrowing cost, at least you will benefit from lower debt burden and maximum flexibility in moving.
by Grt2bOutdoors
Sun Dec 10, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: "The Modern Corporation and the Public Interest" by John C. Bogle
Replies: 13
Views: 1031

Re: "The Modern Corporation and the Public Interest" by John C. Bogle

Taylor Larimore wrote:
Sun Dec 10, 2017 7:23 pm
Grt2bOutdoors wrote:
Sun Dec 10, 2017 7:09 pm
Did not read the speech, but what is a TIF?
Grt2bOutdoors:

Traditional Index Fund

Best wishes.
Taylor
Thanks Taylor, I should have guessed that. I do agree with Mr. Bogle, way too many folks are using ETFs to “play” the market instead of investing in the market. I mainly use TIFs.
by Grt2bOutdoors
Sun Dec 10, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford? (First Home)
Replies: 27
Views: 2289

Re: How much house can I afford? (First Home)

OP, <<My current 2 bedroom apartment is renting for $2500/month >> It is cheaper to rent. So, why are you buying a house or condo? KlangFool $2500/month for 6 years is $180,000 and I figured if it was being put towards equity in a home it would be better spent? You buy a condo/house for $400k. You ...
by Grt2bOutdoors
Sun Dec 10, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 89
Views: 5885

Re: Quit jobs to gain lower EFC

Well, this has been an enlightening thread. I for one would rather keep working and earning money as opposed to being early retirement where the cash flow becomes constrained and you are left hoping that the rules of the “game” are not switched before halftime. Maximizing levers is the best way to p...
by Grt2bOutdoors
Sat Dec 09, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: If you use EE Bonds, what did drive your decision
Replies: 36
Views: 2082

Re: If you use EE Bonds, what did drive your decision

A long period of low or falling interest rates is a possibility. EE bonds are a hedge against that possibility. I have others, such as treasuries, but they yield less. EEs are suitable for a portion of my fixed income, but because of the limits on liquidity they should almost never be one’s sole fi...
by Grt2bOutdoors
Sat Dec 09, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: If you use EE Bonds, what did drive your decision
Replies: 36
Views: 2082

Re: If you use EE Bonds, what did drive your decision

I invested in Vanguard Total Bond Market Index Fund Admiral Shares in May 2016. The account is still showing a long term capital loss of $3,348.86. Sure, that's a loss, but I (for one) need context. How much did you invest in May 2016? $10,000 or $100,000? There's a big difference. Better yet, with...
by Grt2bOutdoors
Sat Dec 09, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 85
Views: 8257

Re: Jack Bogle Is Worried About U.S. Pensions

This nation has overcome many a challenge since its founding in 1787. This will be no different, we will find a way.
by Grt2bOutdoors
Sat Dec 09, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: If you use EE Bonds, what did drive your decision
Replies: 36
Views: 2082

Re: If you use EE Bonds, what did drive your decision

I've been buying them, my thought is to use it as part of a guaranteed nominal ladder to permit me to take Social Security at age 70. Assuming nothing is changed down the road, I'll move from a nominal ladder to an inflation adjusted one for the remainder of my stay. I would not advise anyone to tie...
by Grt2bOutdoors
Sat Dec 09, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Stop adding to 529 in favor of 401k because of GI Bill benefit
Replies: 7
Views: 780

Re: Stop adding to 529 in favor of 401k because of GI Bill benefit

If the GI Bill falls through for any reason, please do not borrow from your 401K plan! Understandingly, as a parent you want to help your child the best you can, borrowing from your retirement plan is not advisable, there are scholarships, merit aid, financial aid for college, there are no such vehi...
by Grt2bOutdoors
Sat Dec 09, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Do you have any guilty pleasure investments?
Replies: 53
Views: 2964

Re: Do you have any guilty pleasure investments?

I own individual equities(s). Enough of them, that I keep the postman busy come annual report time. :wink:
by Grt2bOutdoors
Sat Dec 09, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: Why Are So Many Companies Announcing Share Buyback?
Replies: 32
Views: 2908

Re: Why Are So Many Companies Announcing Share Buyback?

The rank and file of those companies are subsidizing the buybacks in the form of weak wages while management enriched themselves at the table. Eventually continued disinvestment of workforce will lead to lower returns for shareholders.
by Grt2bOutdoors
Fri Dec 08, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3473

Re: Please suggest a dry hands product

At night, liberally putting tons of Vaseline or aquaphor onto the hands, then put on socks onto the hands and leave it on till morning (so not to stain the sheets). I do this when my hands feel super dry and it helps a lot +1, Aquaphor/Eucerin or the generic equivalent. I use the stuff habitually, ...
by Grt2bOutdoors
Fri Dec 08, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: help me predict investment return of my kid's IRA
Replies: 17
Views: 848

Re: help me predict investment return of my kid's IRA

Use 7-8% nominal 4-5% real annual average returns. Show them the power of compounding as Livesoft suggested, initial contribution of X, subsequent annual contributions made at the beginning of the year of Y, ending value of Z. Show them as you add larger sums to the account, the value increases trem...
by Grt2bOutdoors
Fri Dec 08, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 19
Views: 1066

Re: National Pearl Harbor Remembrance Day

Bogleheads: Today is the 76th anniversary when the Japanese made a surprise attack on Hawaii which killed 2,403 U.S. Citizens and badly damaged our Pacific Fleet. The attack sank four U.S. battleships and damaged four others (fortunately our aircraft carriers were at sea), President Franklin D. Roo...
by Grt2bOutdoors
Fri Dec 08, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7321

Re: At what age your investments start making more money than you?

Gross is the wrong bar to set, I am more interested in seeing gains of Xtimes retirement expenses. That plus contributions accelerates the time you need to work before you can voluntarily retire. Example, you need 500k to retire, your portfolio earns gains of $25k and you save $10k. You might only n...
by Grt2bOutdoors
Thu Dec 07, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 6628

Re: CPA: The best profession if you want to make the most money + keep the most money?

Thank you guys for all of the responses so far. Each one is very helpful. :happy Do something because you love it, you will never work a day in your life. Do it because you are chasing money and soon you’ll find it is you who is the slave and money is your master. If you do become a dr. Let us know...
by Grt2bOutdoors
Thu Dec 07, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2400

Re: 112K pension- need help w/the rest

The more I think about the pension the more worried I get. Banking on the government is too risky. Perhaps I will allocate more to a bond index in addition to the FFNOX. Slower growth I suppose is to be expected. Federal government pension? - no worries. State of Illinois - are you the praying type...
by Grt2bOutdoors
Thu Dec 07, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: How do you know you are FI? [Financially Independent]
Replies: 48
Views: 3831

Re: How do you know you are FI? [Financially Independent]

thegr881 wrote:
Wed Dec 06, 2017 3:03 pm
I am just 40. What I am trying to figure out right now is.. am I FI and if not when will I be FI? I am looking for a list of things that you need to check mark to declare (to yourself) you FI status.
You don't go into a store and either look at price tags or ask "how much does this cost"?
by Grt2bOutdoors
Thu Dec 07, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4901

Re: I received a speeding ticket via mail from IA - should I pay it?

Are you seriously asking this question? If you can sign your name to legal documents, hold a drivers license and vote, then the answer ought to be obvious. But let’s think about this further - you get a ticket in the mail with no picture or the picture is of another car, not yours, then I would writ...
by Grt2bOutdoors
Wed Dec 06, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2400

Re: 112K pension- need help w/the rest

Yes I am 50. Yes I have 210k in an IRA (late start). I earn an additional 65k in a new career and my new wife earns 350k and has her own pension plus IRA. I am not sure what my expenses will be in 20 years so I am not sure how to answer that question. Currently we spend about 170k per year. HCOL ar...
by Grt2bOutdoors
Wed Dec 06, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: Corporate & Treasury Bonds: Where's the risk?
Replies: 21
Views: 1957

Re: Corporate & Treasury Bonds: Where's the risk?

Nisiprius had a nice post in a recent thread https://www.bogleheads.org/forum/viewtopic.php?t=232550#p3623791 and showed that even a bond "massacre" barely registers in terms of actual losses. (I hope I understood his point.) So yes there's risk but I think the answer to "how bad can it get" is "no...
by Grt2bOutdoors
Wed Dec 06, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2400

Re: 112K pension- need help w/the rest

Is the payer of the pension financially secure? The IRA, put it all in a fund like Lifestrategy Moderate or Lifestrategy Growth or Target Retirement 2035 and leave it alone.