Search found 17411 matches

by Grt2bOutdoors
Fri Feb 16, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Jack'
Replies: 17
Views: 937

Re: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Ja

Helo80 wrote:
Fri Feb 16, 2018 6:04 pm
In the last 20... two market crashes, and a very long bull-run as of late... makes me wonder what the next 20 years will be like?
Stick around and find out!
by Grt2bOutdoors
Fri Feb 16, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)
Replies: 7
Views: 719

Re: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)

To clarify what Duckie means regarding IRA: yes, you should continue to contribute to the 401k and if you have excess funds after your 10% contribution, consider funding an IRA (Traditional or Roth).

Welcome to the forum!
by Grt2bOutdoors
Fri Feb 16, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 126
Views: 5301

Re: How to get child's skin in the game for college?

Your daughter did well enough in high school that the university thinks she's worth accepting. She's optimistic about her future. That's about all you can expect, and I'm sure many parents wish they had that situation. What 'results' do you expect from a high school student other than graduate high...
by Grt2bOutdoors
Fri Feb 16, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 126
Views: 5301

Re: How to get child's skin in the game for college?

I find all this skin in the game for college education rather sad. IF you can afford paying 100%. You were happy to support her 100% for the past 17 years; why baulk at the final year in college? At college it becomes clearer as to what turns her on, hopefully not drugs. She will pay full attention...
by Grt2bOutdoors
Fri Feb 16, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 126
Views: 5301

Re: How to get child's skin in the game for college?

I'm going to have my kids work summer jobs and use that money toward their tuition. Your kids are either going to be paid well above average over the course of the next ten summers or chances are they are going to fall far short of being able to pay for 1 years tuition (possibly room and board if t...
by Grt2bOutdoors
Fri Feb 16, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 126
Views: 5301

Re: How to get child's skin in the game for college?

I find all this skin in the game for college education rather sad. IF you can afford paying 100%. You were happy to support her 100% for the past 17 years; why baulk at the final year in college? At college it becomes clearer as to what turns her on, hopefully not drugs. She will pay full attention...
by Grt2bOutdoors
Fri Feb 16, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 126
Views: 5301

Re: How to get child's skin in the game for college?

By requiring her to have a certain GPA, the easiest way for her to do that is to take easy classes, those that don't lead to a career. Is that what you want to encourage? We had a term for that in college “fluff class”, apparently there was an unwritten code amongst graduating seniors and upper jun...
by Grt2bOutdoors
Fri Feb 16, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 126
Views: 5301

Re: How to get child's skin in the game for college?

Skin in the game - excuse for people to make when they want to have control over something or someone. Living in this crazy world is having plenty of skin in the game. Every individual is unique, if your daughter is incapable of succeeding in a collegiate environment then the choice is simple, don’t...
by Grt2bOutdoors
Thu Feb 15, 2018 11:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. bonds in freefall
Replies: 33
Views: 5302

Re: U.S. bonds in freefall

whodidntante wrote:
Wed Feb 14, 2018 10:07 pm
Do you know how you lose money in a bond fund? 0.3% at a time.
Much better than losing it 3% at a time. And don’t say it can’t happen....
by Grt2bOutdoors
Thu Feb 15, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Does this sound like a solid plan for a 21 year old?
Replies: 9
Views: 485

Re: Does this sound like a solid plan for a 21 year old?

Assume you have an e-fund? If yes, then do the following: It's fine to put 50% in each of the two funds for now. When you obtain more money or a job, invest part of the money in the fund that has declined in value, such that the percentage in that fund has fallen below 50%. Rebalancing does not need...
by Grt2bOutdoors
Wed Feb 14, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 123
Views: 6164

Re: philosophicaleconomics predicts 4% real equity returns

Future U.S. Equity Returns: A Best-Case Upper Limit Posted on January 15, 2018 by philosophicalecon@gmail.com http://www.philosophicaleconomics.com/2018/01/future-u-s-equity-returns-a-best-case-upper-limit/ I find this article highly fascinating. It confirms a hunch I've had all along that inflated...
by Grt2bOutdoors
Wed Feb 14, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 123
Views: 6164

Re: philosophicaleconomics predicts 4% real equity returns

4% real? I’ll take that and say thank you very much!
by Grt2bOutdoors
Wed Feb 14, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Why do American Funds hold so much cash?
Replies: 8
Views: 1127

Re: Why do American Funds hold so much cash?

One reason is that it's easier to take the expense ratio out of cash Nonsense. The funds can take the expense ratio from incoming/outgoing funds related to sales/purchases. More likely that the funds had a lot of cash around the time of publication due to portfolio management and/or they may be usi...
by Grt2bOutdoors
Wed Feb 14, 2018 7:17 am
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8178

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

What happens when someone offers advice and they don’t believe it? Continuing with their theory without providing resources or evidential proof to back the claim? What happens when the response back from OP is catty with name calling or there is no response at all? Seems to me that some portion of t...
by Grt2bOutdoors
Tue Feb 13, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Help me help my niece (College costs, financial aid, etc)
Replies: 41
Views: 2440

Re: Help me help my niece (College costs, financial aid, etc)

Ask school to provide a schedule showing the monthly nut needed to repay student loans for next 120 months after graduation. Sometimes it seems these schools make it appear that you are getting something “scholarships” when in reality they are baking these “discounts” to a marked up price in the fir...
by Grt2bOutdoors
Tue Feb 13, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10064

Re: Did you learn anything from the market correction?

Our first market correction (10% decline from peak) after an 8 year bull run There was a correction in 2010 (-16%), a correction in 2011 (-19%), another correction in 2011 (-9.8%), one in 2012 (-9.9%), one in 2015 (-12%), and another one in 2015-2016 (-13%). (All based on the S&P 500.) So 6 correct...
by Grt2bOutdoors
Tue Feb 13, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10064

Re: Did you learn anything from the market correction?

I learned that the price of filet mignon is getting cheaper by the day, while the yield from the corn field is in a holding pattern.
by Grt2bOutdoors
Tue Feb 13, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 169
Views: 15793

Re: Number at which to stop worrying

There was a time where having 10x ones expenses was enough...enough to bridge the gap to new career, experiences and quite possibly into retirement. What many of these posts are talking about are aspirational goals, nothing wrong with having such a goal but not realistic for the great majority of fo...
by Grt2bOutdoors
Mon Feb 12, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 4525

Re: Random conversations regarding money

Let me guess, OP was your friends name Goldfinger?
by Grt2bOutdoors
Mon Feb 12, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 4323

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

Bean surely has the ID and records of customers who have returned things, what they returned, and why they said they returned it. Given that, there are all sorts of ways they could have curbed the actual abuse, short of cutting the guarantee to one year. But those records are limited, and they neve...
by Grt2bOutdoors
Mon Feb 12, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Lower Payroll Withholding - What are you doing with it?
Replies: 32
Views: 2231

Re: Lower Payroll Withholding - What are you doing with it?

I'm planning after each paycheck to transfer the difference between what I'm getting now and what I was getting before into my taxable accounts, and investing that at my asset allocation. This is surprise money -- and I don't want to get used to living on it and allowing my lifestyle to inflate. Ex...
by Grt2bOutdoors
Mon Feb 12, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7023

Re: I’m not renewing my Costco membership.

letsgobobby wrote:
Mon Feb 12, 2018 12:19 pm
We make up our membership fee with savings on car rentals alone.
How does car rental work with Costco membership? I did not know they offer this.
by Grt2bOutdoors
Mon Feb 12, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help me NOT pay for a financial planner!
Replies: 15
Views: 1667

Re: Help me NOT pay for a financial planner!

What is a RPM calculator? I've heard of I-ORP. Using a 6% real return assumption is IMO, optimistic. Saving too much? One can never save enough...... Don't get snookered into a variable annuity, if there is any mention of the words Whole Life Insurance and/or Annuities, get up and leave immediately....
by Grt2bOutdoors
Mon Feb 12, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 4323

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

I think their products are of high quality, prices are not necessarily outrageous as compared to other "outdoors" purveyors, excellent customer service. It's outrageous that a select few like to abuse a generous policy where they actually consume the product and then have the gall to return it sayin...
by Grt2bOutdoors
Mon Feb 12, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Lower Payroll Withholding - What are you doing with it?
Replies: 32
Views: 2231

Lower Payroll Withholding - What are you doing with it?

Lower payroll withholding due to the new IRS tax tables for 2018 is resulting in higher take-home pay (for those employed).
I am investing it according to our IPS. What are you doing with yours?
by Grt2bOutdoors
Mon Feb 12, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Barron's Magazine
Replies: 15
Views: 1473

Re: Barron's Magazine

It's a waste of time, nothing new is brought to light in that paper, it's regurgitation of the same old stuff. I used to read that paper all the time, then I got a $1 a week offer in the mail, so I took them up on it. It's delivered every Saturday, I look at it more for entertainment purposes - espe...
by Grt2bOutdoors
Sun Feb 11, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: What is this please, trying to help a friend
Replies: 8
Views: 859

Re: What is this please, trying to help a friend

FIAM IDX = FIAM Index Target Date Freedom Index 2050. Ask friend to confirm and find out what the expense ratio is. Paul Exactly! Looks like there are only two share classes for the INDEX series, FFOPX (10 bps) and FIPFX (15 bps) Either way, can't go wrong - the funds are cheep, cheep, cheep.......
by Grt2bOutdoors
Sun Feb 11, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Advice with 401K with current market crash
Replies: 9
Views: 765

Re: Advice with 401K with current market crash

It may help you if you fill out your information in the format shown in the link on my signature - Asking Portfolio Questions. We don't advocate market timing which it appears you are doing "changed funds because the market was doing good", "should I change back to my original conservative allocatio...
by Grt2bOutdoors
Sun Feb 11, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: Soul searching on interest rates
Replies: 15
Views: 1273

Re: Soul searching on interest rates

If you are concerned about state of NJ's finances, then you can limit your exposure by purchasing individual NJ issues backed by NJ Turnpike tolls. As big a mess the finances are, the problems are not insurmountable, but it will take a meeting of the minds and shared sacrifice by all not just some (...
by Grt2bOutdoors
Sun Feb 11, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Family expecting “comps”
Replies: 38
Views: 4661

Re: Family expecting “comps”

A relative of mine (distant) had a business I used to frequent. The relative always charged me a fair but reasonable amount that I knew was less what he charged his best customers. On more than a few occasions my relative charged me cost only. I never asked for a discount, but was always appreciativ...
by Grt2bOutdoors
Sun Feb 11, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4484

Re: Can I afford to move to a lower paying career?

Option 2 - Secure full time teaching position, hand in retirement papers at MegaCorp - in my best Arnold impression (not drunk, did not have wine yet either!) - Ged out! Ged out now! During your 3 month breaks - pick a lake, any lake you have thousands to choose from, bring a rod, reel, line, hooks ...
by Grt2bOutdoors
Sun Feb 11, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Fund Options
Replies: 2
Views: 149

Re: 529 Fund Options

Take the combo, revisit it in 10 years or so.
by Grt2bOutdoors
Sat Feb 10, 2018 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 1964

Re: Wellesley Income performance

Second guessing the actual portfolio manager is not a good way of attaining your goals, whatever they may be.
by Grt2bOutdoors
Sat Feb 10, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 18
Views: 2282

Re: Wellington Fund: where is the special sauce?

I wonder why I hold the Wellington fund because it underperforms its comparable index according to Vanguard’s website and has also performed worse than the S&P 500 index during the down market in 2018. Pretty hard for Wellington to do that given it has 35% in bonds. I will either take the 30% of my...
by Grt2bOutdoors
Sat Feb 10, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: has anyone here tried to engineer a low-income-generating portfolio?
Replies: 18
Views: 1340

Re: has anyone here tried to engineer a low-income-generating portfolio?

It's threads like these that turn people off from the forum. If you have $5MM you should pay your fair share, I find it distasteful to assume that society should subsidize someone with such wealth.
by Grt2bOutdoors
Sat Feb 10, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 18
Views: 2282

Re: Wellington Fund: where is the special sauce?

OP - market time or rather manager time, much? This is a question you should have asked yourself before you invest in anything. Why are you buying it? How long is your time horizon? Is a slight underperformance of any investment in the 1 month, 3 month, 1 year, 2 years enough to change course, only ...
by Grt2bOutdoors
Fri Feb 09, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 8581

Re: Tenants want to break lease early and is pregnant

As noted by randomguy above, best answer is likely the intersection of what is contractually & legally required and what you and the tenants choose to additionally negotiate based on current situation. If it were me, I'd go for the win-win; tenants want to move out early, you want to raise rents, m...
by Grt2bOutdoors
Fri Feb 09, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner with a 401K Question
Replies: 21
Views: 645

Re: Beginner with a 401K Question

Once again I appreciate all this great info. Just to make sure I understand this completely, let me ask this. In order for a 1.25% fund fee to be worthwhile, it would need to outperform any other fund by basically 1.25% just to break even (assuming the other funds are virtually free, .03% is close)...
by Grt2bOutdoors
Fri Feb 09, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13093

Re: "The stock market is officially in a correction... here's what usually happens next"

Bogleheads: "Stay the course" is not the same as "Buy and hold." Corrections and bear markets can often be an opportunity to rebalance, sell an unwanted fund, tax-loss harvest or move to another company. Best wishes. Taylor Thanks for that Taylor. But when do you rebalance? After your 10% off targe...
by Grt2bOutdoors
Fri Feb 09, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13093

Re: "The stock market is officially in a correction... here's what usually happens next"

^^^ That's too bad. The market is still up 20% from a year ago. You make money by letting your winners run and selling your losers. What changed from last week? Absolutely nothing. Grt2bOutdoors: Mr. Bogle (who knows more than both of us) would disagree. He would not sell "losers." He would "stay-t...
by Grt2bOutdoors
Fri Feb 09, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: University of California - New employee Dilemma : Pension Choice or Savings Choice?
Replies: 12
Views: 1022

Re: University of California - New employee Dilemma : Pension Choice or Savings Choice?

What is the vesting period for the Pension Choice option? Are you able to fund an IRA outside of your normal savings whether it be PC or SC? - If you can afford it, you will be able to control $5,500 + the differential that flows into your 403(b) account. No one knows what the future brings, but ass...
by Grt2bOutdoors
Fri Feb 09, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13093

Re: "The stock market is officially in a correction... here's what usually happens next"

^^^ That's too bad. The market is still up 20% from a year ago. You make money by letting your winners run and selling your losers. What changed from last week? Absolutely nothing.
by Grt2bOutdoors
Fri Feb 09, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner with a 401K Question
Replies: 21
Views: 645

Re: Beginner with a 401K Question

To add to this, I guess I wanted to be a tad bit more risky and take advantage of the high returns on Tech Funds right now. I'm up for a little risk if the return is going to be good, and I have time to deal with fluctuations. I do keep an eye on the Tech Sector several times a week in the event it...
by Grt2bOutdoors
Fri Feb 09, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Allegedly worst week since 2008: Time to revisit AA?
Replies: 10
Views: 1131

Re: Allegedly worst week since 2008: Time to revisit AA?

Can you handle the risk? If account is 50/50 and market is down 10%, that means your account is down 5%, can you sleep with a 6% or greater decline in your portfolio value if the market were to decline even more? You need to pick an asset allocation that lets you sleep well at night and stay the cou...
by Grt2bOutdoors
Fri Feb 09, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4090

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

Should you sell your investments when they start dropping? When should you invest during this market correction? I don't see why not sell now and wait for the market to drop more and then buy them again. Will the market go up as fast as it is going down? (I am kind of playing devil's advocate here)...
by Grt2bOutdoors
Thu Feb 08, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Still waiting to invest?
Replies: 47
Views: 5666

Re: Still waiting to invest?

I had almost 0% in equities except for some small Roth IRA accounts. I’ve been DCA because I don’t want to wait and missed the bottom like in 2009. My husband said to wait, Cramer said the bottom was around 4000, it was 6000, and we didn’t get back in until late of Oct 2009. I now just DCA. Nibblin...
by Grt2bOutdoors
Thu Feb 08, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique...fairly new to the boglehead method!!
Replies: 11
Views: 661

Re: Please critique...fairly new to the boglehead method!!

Please spell out the names of the funds. While I know that FCNTX - is Fidelity Contrafund, and a few of the other symbols as well, you will get the most responses if you type out the names since we don't have the time to look them up. I will say, I don't recommend holding actively managed funds in ...