Search found 178 matches

by huskerfan1414
Tue Mar 02, 2021 1:16 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3184
Views: 1975555

Re: The Three-Fund Portfolio

delete
by huskerfan1414
Tue Mar 02, 2021 1:15 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3184
Views: 1975555

Re: The Three-Fund Portfolio

Thanks Taylor. Our three fund portfolio has done pretty well: https://www.marketwatch.com/lazyportfolio BTW, since 12/31/1999, it really wasn't the aggressiveness of the second grader portfolio that drove returns. The conservative (30% stocks), moderate (60% stocks), and aggressive (90% stocks) all...
by huskerfan1414
Tue Mar 02, 2021 1:14 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3184
Views: 1975555

Re: The Three-Fund Portfolio

Thanks Taylor. Our three fund portfolio has done pretty well: https://www.marketwatch.com/lazyportfolio BTW, since 12/31/1999, it really wasn't the aggressiveness of the second grader portfolio that drove returns. The conservative (30% stocks), moderate (60% stocks), and aggressive (90% stocks) all...
by huskerfan1414
Mon Mar 01, 2021 9:56 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3184
Views: 1975555

Re: The Three-Fund Portfolio

Is your holding timeline for the bonds as long or longer then the bond duration? If so then I wouldn't stress about it. The yields may go up and the nav price of your fund may go down but in the end will be compensated over the full duration. Stay the course. Just need to hear it sometimes. thanks
by huskerfan1414
Mon Mar 01, 2021 9:55 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3184
Views: 1975555

Re: The Three-Fund Portfolio

Is anyone else worried about bonds right now? I'm 33 and 90/10. I realize the stocks can drop 50% and this doesn't worry me at all. It's strange but the bonds worry me more. However, I want some dry powder in case of a correction so I don't want to go 100/0. Should I move the 10% to cash? I'd love ...
by huskerfan1414
Mon Mar 01, 2021 9:39 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3184
Views: 1975555

Re: The Three-Fund Portfolio

Is anyone else worried about bonds right now? I'm 33 and 90/10. I realize the stocks can drop 50% and this doesn't worry me at all. It's strange but the bonds worry me more. However, I want some dry powder in case of a correction so I don't want to go 100/0. Should I move the 10% to cash? I'd love t...
by huskerfan1414
Wed Feb 17, 2021 10:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22415
Views: 2965861

Re: U.S. stocks in free fall

Is anyone nervous that the S&P 500 is so tech heavy?
by huskerfan1414
Fri Feb 12, 2021 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Am I nuts? About to retire early without bulletproof money.
Replies: 89
Views: 11538

Re: Am I nuts? About to retire early without bulletproof money.

This is a classic boglehead thread. My goodness.



Congrats on retirement. Please, go enjoy your life.
by huskerfan1414
Mon Feb 08, 2021 7:41 pm
Forum: Personal Investments
Topic: How do you stay the course?
Replies: 79
Views: 6344

Re: How do you stay the course?

Iam a new boglehead and have 95% allocated to VT and 5% to vgsh. Before being a boglehead I used to time the market and only buy beaten down stocks.I never have bought stocks or held stocks at All time Highs. It was the other way round where I used only buy stocks at all time lows. At this point I ...
by huskerfan1414
Sat Jan 23, 2021 8:51 am
Forum: Personal Investments
Topic: Slow start for 40 year old
Replies: 28
Views: 3121

Re: Slow start for 40 year old

, but lack the time to pay it all back properly. So if I finish the house payments by 53, my cashflow is freed to pay for my youngest son's college tuition. By then, my older son will be 24 and my daughter will be 23. They will need help with purchasing their home, which means I'll have to front th...
by huskerfan1414
Sun Jan 17, 2021 10:39 pm
Forum: Personal Investments
Topic: CrytpoCurrency
Replies: 55
Views: 4644

Re: CrytpoCurrency

This article needs read if anyone hasn’t. It really is worth a look. https://crypto-anonymous-2021.medium.com/the-bit-short-inside-cryptos-doomsday-machine-f8dcf78a64d3 Reading this made me sell most of my crypto, which wasn’t much. It is impossible to not see the short going on with tether. (I have...
by huskerfan1414
Sat Jan 16, 2021 11:00 am
Forum: Investing - Theory, News & General
Topic: Michael Saylor Discusses Bitcoin on Bloomberg's Odd Lots
Replies: 507
Views: 28504

Re: Michael Saylor Discusses Bitcoin on Bloomberg's Odd Lots

I brought this over from a locked thread and want to add a link to a good article expressing concern about tether fraud inflating btc price. Any nuanced rebuttals to this article? As a btc holder I find it concerning. https://crypto-anonymous-2021.medium.com/the-bit-short-inside-cryptos-doomsday-ma...
by huskerfan1414
Thu Jan 14, 2021 3:46 pm
Forum: Personal Consumer Issues
Topic: Universal Remote That Can Enter Channel Numbers for TCL ROKU TV
Replies: 16
Views: 810

Re: Universal Remote That Can Enter Channel Numbers for TCL ROKU TV

We'll have to accept some of these 1st world problems with our improved yet cheaper TV services.

Trade-offs, my man.
by huskerfan1414
Thu Jan 14, 2021 3:42 pm
Forum: Investing - Theory, News & General
Topic: Looking for stats: Average/Median age when $1M networth (household) is attained?
Replies: 63
Views: 7761

Re: Looking for stats: Average/Median age when $1M networth (household) is attained?

A little bit of Googling got me this: https://www.cnbc.com/select/average-net-worth-by-age/ And the answer is - never. 65+ have a medium NW of 266k. Few people crack the 1m mark. Wealth distribution is highly uneven which is why there is such a big difference between average and medium values. Ther...
by huskerfan1414
Thu Jan 14, 2021 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I walk away from nice pension? Is it worth it?
Replies: 48
Views: 6525

Re: Should I walk away from nice pension? Is it worth it?

Glad you asked for some perspective before making a decision, OP.


Since you did, I'll offer an opinion:
You'd be crazy to leave your current job and pension/ability to retire at 52.


Pray and think about your decision and once made, live with and enjoy it.
by huskerfan1414
Wed Jan 13, 2021 2:22 pm
Forum: Investing - Theory, News & General
Topic: Article highlighting merits of buy and hold...
Replies: 9
Views: 940

Re: The Shocking Returns Of The Investor Who Bought Only At Market Tops

I posted the same article a little while ago; I didn't see your post. (apologies to the mods).

It is a very interesting article.
by huskerfan1414
Wed Jan 13, 2021 1:59 pm
Forum: Investing - Theory, News & General
Topic: Article highlighting merits of buy and hold...
Replies: 9
Views: 940

Article highlighting merits of buy and hold...

I ran across this article with a hypothetical test: What if an investor only invested at market peaks before a crash, yet held and didn't panic sell after each crash, since 1970? What would the returns be? I think it's a good illustration of why the Boglehead mentality prevails, and a good reminder ...
by huskerfan1414
Fri Jan 08, 2021 11:01 am
Forum: Investing - Theory, News & General
Topic: “Bitcoin's emergence as 'digital gold' could lift its price to $146,000, says JPMorgan“
Replies: 185
Views: 11074

Re: “Bitcoin's emergence as 'digital gold' could lift its price to $146,000, says JPMorgan“

Everyone's talking about bitcoin, and I understand why, but wouldn't it be a wiser use of one's crypto money to invest in Ethereum (ETH)? Because Ethereum is bloated, buggy, centralised, had unfair start/origin and offers no unique advantage except as a ponzi token platform. Bitcoin had true origin...
by huskerfan1414
Fri Jan 08, 2021 10:56 am
Forum: Investing - Theory, News & General
Topic: “Bitcoin's emergence as 'digital gold' could lift its price to $146,000, says JPMorgan“
Replies: 185
Views: 11074

Re: “Bitcoin's emergence as 'digital gold' could lift its price to $146,000, says JPMorgan“

It's not mainstream as a medium of exchange. 300-400k transactions per day is minuscule. Visa does 500 million a day. Layer 2 solutions are about to increase transaction scalability quite a bit. With Ethereum rollups I have read transactions could be up to 100k per second. Coming in phase 1 of ETH2...
by huskerfan1414
Fri Jan 08, 2021 10:55 am
Forum: Investing - Theory, News & General
Topic: “Bitcoin's emergence as 'digital gold' could lift its price to $146,000, says JPMorgan“
Replies: 185
Views: 11074

Re: “Bitcoin's emergence as 'digital gold' could lift its price to $146,000, says JPMorgan“

Everyone's talking about bitcoin, and I understand why, but wouldn't it be a wiser use of one's crypto money to invest in Ethereum (ETH)?
by huskerfan1414
Fri Jan 08, 2021 10:50 am
Forum: Personal Consumer Issues
Topic: Wife needs hearing aids, cost concerns
Replies: 26
Views: 1845

Re: Wife needs hearing aids, cost concerns

Does she have a job? If so, what? Do either of you have military service history? There may be different groups that essentially have free plans that can help with cost. What is her age? Do your research on the internet for financial assistance for hearing aids, not discounted hearing aids. I can't ...
by huskerfan1414
Mon Jan 04, 2021 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 40 and when do I retire? first world problem?
Replies: 62
Views: 12261

Re: I'm 40 and when do I retire? first world problem?

Just stopping by to say "thank you" for your service and congrats on your decision!
by huskerfan1414
Wed Sep 02, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Selling house and building house- opinions requested
Replies: 5
Views: 658

Re: Selling house and building house- opinions requested

Mostly a lurker and occasional poster here. My wife and I are in the process of closing on a parcel of land to eventually build a house on (within the next 18 months likely). We are trying to make the most beneficial decisions throughout the process but I am stuck on a few items that I would like s...
by huskerfan1414
Thu Aug 06, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10057
Views: 711886

Re: Refinance Mega Thread

Hi, What is the best way to comparison shop for mortgage rates? Do I need to get quotes over email/phone from various sources, and then submit application to only one of them? Please let me know. I have seen people sharing their LE on this forum. Do you actually obtain LE from various lenders befor...
by huskerfan1414
Thu Aug 06, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10057
Views: 711886

Re: Refinance Mega Thread

Hi, What is the best way to comparison shop for mortgage rates? Do I need to get quotes over email/phone from various sources, and then submit application to only one of them? Please let me know. I have seen people sharing their LE on this forum. Do you actually obtain LE from various lenders befor...
by huskerfan1414
Thu Aug 06, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10057
Views: 711886

Re: Refinance Mega Thread

The loan balance is too low to get a great rate. Also the cash out usually means less credits given. The cash-out became necessary to get a rate lower than our current rate. It made the loan more attractive to the lenders because it's a higher amount. Gosh dang. Our home acquired $100k in equity in...
by huskerfan1414
Thu Aug 06, 2020 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10057
Views: 711886

Re: Refinance Mega Thread

I just cannot get a good deal. Do you guys think I should just take this? Better.com beat loandepot by $100. Current rate is 3.8% and new rate would be 30 year at 2.99%. $30,000 cash out refinance would bring our total loan up from $106,000 to $136,000. A+B+C costs are going to be $5,100. This is t...
by huskerfan1414
Thu Aug 06, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10057
Views: 711886

Re: Refinance Mega Thread

I just cannot get a good deal. Do you guys think I should just take this? Better.com beat loandepot by $100. Current rate is 3.8% and new rate would be 30 year at 2.99%. $30,000 cash out refinance would bring our total loan up from $106,000 to $136,000. A+B+C costs are going to be $5,100. This is t...
by huskerfan1414
Thu Aug 06, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10057
Views: 711886

Re: Refinance Mega Thread

The loan balance is too low to get a great rate. Also the cash out usually means less credits given. The cash-out became necessary to get a rate lower than our current rate. It made the loan more attractive to the lenders because it's a higher amount. Gosh dang. Our home acquired $100k in equity in...
by huskerfan1414
Thu Aug 06, 2020 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10057
Views: 711886

Re: Refinance Mega Thread

I just cannot get a good deal. Do you guys think I should just take this? Better.com beat loandepot by $100. Current rate is 3.8% and new rate would be 30 year at 2.99%. $30,000 cash out refinance would bring our total loan up from $106,000 to $136,000. A+B+C costs are going to be $5,100. This is th...
by huskerfan1414
Thu Aug 06, 2020 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Custom Home Thoughts
Replies: 103
Views: 7911

Re: Custom Home Thoughts

It's your money and you should do what you want--you've earned that. But you are looking for some "scare" posts, so I'll try to give you some. I am friends with many people who build homes and some guys who do a lot of work in the suburbs of a major midwestern city and they laugh at what ...
by huskerfan1414
Wed Aug 05, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Custom Home Thoughts
Replies: 103
Views: 7911

Re: Custom Home Thoughts

It's your money and you should do what you want--you've earned that. But you are looking for some "scare" posts, so I'll try to give you some. I am friends with many people who build homes and some guys who do a lot of work in the suburbs of a major midwestern city and they laugh at what p...
by huskerfan1414
Tue Aug 04, 2020 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10057
Views: 711886

Re: Refinance Mega Thread

Does this refinance make sense? Background: Looked at refinance last month, but could not get good rates because we don't owe enough on our home to make it "worth it" to lenders. Current Rate: 3.8 with 24 years left Current amount owed: $106,300 Current payment per month (includes taxes an...
by huskerfan1414
Tue Aug 04, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Help desired with Mortgage/HI loan
Replies: 2
Views: 308

Re: Help desired with Mortgage/HI loan

Yes, you’d be wise to do a cash out refi given the rates on those other loans especially. I can’t imagine you’d have a problem finding a reasonable deal on what you are proposing. You will be on the low end of balances for refi, but nothing outrageous. What state are you in? You’ll get some advice ...
by huskerfan1414
Mon Aug 03, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help desired with Mortgage/HI loan
Replies: 2
Views: 308

Help desired with Mortgage/HI loan

With mortgage rates at an all time low, I tried the refinance route last month, but we just could not get any good deals. I have no idea why, but my guess is because we don't owe a lot on our home. Current rate is 3.8%, and when factoring in fees, points, etc there was nothing close to being worth i...
by huskerfan1414
Thu Jul 23, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Deciding whether to retire - it's difficult!
Replies: 77
Views: 9819

Re: Deciding whether to retire - it's difficult!

I wanted to take a moment to thank everyone for the thoughtful and informative insights that were provided in response to my original post. I showed the thread to my wife, and we spent quite a bit of time reading and discussing the opinions and experiences that were shared. Afterward, she said &quo...
by huskerfan1414
Thu Jul 23, 2020 9:13 am
Forum: Investing - Theory, News & General
Topic: Insiders Who Nailed Market Bottom Are Starting to Sell Stocks
Replies: 33
Views: 5107

Re: Insiders Who Nailed Market Bottom Are Starting to Sell Stocks

I accidentally timed the bottom on many stocks back in the spring for my "play fund", which is a very small amount of money. I have decided to sell and cash out 70% of this play fund as of yesterday. Why? Because I just decided I'd gambled enough and I had made some big gains, so time to g...
by huskerfan1414
Fri Jul 17, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: How do you buy time with money?
Replies: 47
Views: 4016

Re: How do you buy time with money?

I can't imagine paying someone else to mow my lawn or do my landscaping, that's too much fun to me. :beer I think shopping online via Amazon and others is a big one. Take multiple vacations every year, but rarely take an "expensive" vacation like the bahamas or something. Lakes in the midw...
by huskerfan1414
Wed Jul 15, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Helping our Adult Child Buy a Home
Replies: 72
Views: 5803

Re: Helping our Adult Child Buy a Home

You would be doing your ADULT daughter and son in law a disservice by helping them buy a home they cannot afford, not to mention yourself. The goal should be to remove the "child" from "adult child". Are they out of debt? Student loans, etc? That would be a nice gift if they have...
by huskerfan1414
Tue Jul 14, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ever hide money from yourself?
Replies: 46
Views: 3023

Re: Ever hide money from yourself?

I freely admit what I am asking about is mental accounting but still would like some suggestions. As of the end of the month we are entering the stage of our financial plan where I had targeted for both of us to be retired (not that either of us really planned to). What this means to me is we have ...
by huskerfan1414
Mon Jul 13, 2020 9:59 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 22282

Re: How is this possible -- stock market continues to soar.

My portfolio value is now higher than it was in January 2020. I am a retiree actually spending money. And yet between then and now 137,191 people have died in this country from a pandemic in which we have been totally isolated in our home from March 8 onward. What is the understanding of how the ma...
by huskerfan1414
Mon Jul 13, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Becoming teacher after reaching FIRE? Advice needed!
Replies: 86
Views: 7425

Re: Becoming teacher after reaching FIRE? Advice needed!

If I were you I would go Charter school or private school route. shopping for supplies with your own money after, and then working at home from what, 7-10, to refine the lesson plan in those This is an overblown, overused statement by a few teachers and the media. You can also deduct a lot of this ...
by huskerfan1414
Mon Jul 13, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 22282

Re: How is this possible -- stock market continues to soar.

I think the answer is more simple than we believe. 1. People die. That's really a horribly blunt way to put it, but it is a fact of life. 2. Most people understand the death rate is really what matters and the number of "positives" is due to more testing, even of those not showing symptoms...
by huskerfan1414
Mon Jul 13, 2020 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Becoming teacher after reaching FIRE? Advice needed!
Replies: 86
Views: 7425

Re: Becoming teacher after reaching FIRE? Advice needed!

Well, I'll give you some opinions on the teaching aspect but they might not be popular or to your wishes. Please know that the following has nothing to do with they type of students you will be teaching---you can teach anybody if you know what you're doing and care. All children need to learn, it do...
by huskerfan1414
Mon Jul 13, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford with bonus-heavy income?
Replies: 16
Views: 2391

Re: How much house can we afford with bonus-heavy income?

Um....this part worries me. Can you elaborate? So every year my manager says "your comp for next year is $X." That $X is divided into two buckets: salary and bonus. The bonus is paid as a lump sum, minus the deferral. The deferral is ~30% at my at level. That money is invested in the fund...
by huskerfan1414
Fri Jul 03, 2020 12:43 pm
Forum: Personal Investments
Topic: Should I change asset allocation to feel less anxiety
Replies: 54
Views: 3895

Re: Should I change asset allocation to feel less anxiety

I have stay the course so far this year. I have not sold any stock. Even re-balanced when it exceeded 5% threshold (that was very difficult, had some difficulty sleeping for a few weeks after and then market exploded up again). But I also have not been putting in any new money into the stock market...
by huskerfan1414
Fri Jul 03, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford with bonus-heavy income?
Replies: 16
Views: 2391

Re: How much house can we afford with bonus-heavy income?

My wife and I in what I think is a relatively unique situation, and there's not much advice out there. We had a son about a year ago, and we're expecting to get pregnant again in a few months. We're currently in a 2bed apartment in Brooklyn and would like to buy a 3bd place in the neighborhood to s...
by huskerfan1414
Fri Jul 03, 2020 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 152
Views: 10450

Re: Share your budget

Almost 50% in taxes, $400k? My goodness sakes, that's absolutely ludicrous.
by huskerfan1414
Mon Jun 29, 2020 9:59 am
Forum: Personal Investments
Topic: I am ready to pull the plug! am I ready ?
Replies: 27
Views: 5152

Re: I am ready to pull the plug! am I ready ?

I suggest getting out of the job and into a boat somewhere. Congrats on retirement! :beer