Search found 196 matches

by BogleFan510
Tue Nov 24, 2020 1:01 pm
Forum: Personal Investments
Topic: Windfall Cash Prior To Living On The Road?
Replies: 10
Views: 805

Re: Windfall Cash Prior To Living On The Road?

What is the rate on car loan? Why hold cash at .5% and pay on a car loan. I would kill that, if not a 0% rate. TBH I might consider starting a ladder of EE savings bonds for some portion as that gives a very good, safe fixed asset return towards your pre SS retirement age, with another portion in a...
by BogleFan510
Tue Nov 24, 2020 11:20 am
Forum: Personal Investments
Topic: Windfall Cash Prior To Living On The Road?
Replies: 10
Views: 805

Re: Windfall Cash Prior To Living On The Road?

What is the rate on car loan? Why hold cash at .5% and pay on a car loan. I would kill that, if not a 0% rate. TBH I might consider starting a ladder of EE savings bonds for some portion as that gives a very good, safe fixed asset return towards your pre SS retirement age, with another portion in a ...
by BogleFan510
Mon Nov 23, 2020 10:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Brokerage Transfer Bonus
Replies: 30
Views: 2040

Re: Fidelity Brokerage Transfer Bonus

They told me the've stopped giving incentives, when I asked a few yrs ago, even $1M+, so moved much of my funds out. Still have decent sized acct due to good service levels.
by BogleFan510
Mon Nov 23, 2020 6:06 pm
Forum: US Chapters
Topic: Are you a Boglehead?
Replies: 107
Views: 4348

Re: Are you a Boglehead?

Probably not, as I dont idolize Jack, and my investing philosophy is based more from my Business School and work experience than any books or writings from this site. I happen to align quite well with BHs though. Alignment * Super high save rate while working * No debt now * Agree market forces pric...
by BogleFan510
Mon Nov 23, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147801

Re: Coronavirus (Consumer Issues) How you are preparing?

I bought more yeast - but only because I actually needed yeast. If supplies run thin, I have quite a bit of yeast in the freezer. (Given to me by a friend who bought a large brick of yeast from Costco. It's far more than she could ever use and gave me part of it.) Update: Clarified that I didn't ge...
by BogleFan510
Mon Nov 23, 2020 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Pandemic reduced our spending by 30% - How about you?
Replies: 114
Views: 7132

Re: Pandemic reduced our spending by 30% - How about you?

Six months on a river cruise then travelling in Europe became hikes and home cooking. Mucho savings..yay!
by BogleFan510
Sat Nov 21, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone check my math and my logic on this?
Replies: 28
Views: 2963

Re: Can someone check my math and my logic on this?

Its better to think of the stock side as a range of possible outcomes, rather than one outcome, assuming a 'typical' compound rate of return. Stocks dont work like that. While your math is a good starting point, the truth is that you may come out ahead, even, or behind assuming a stock investment. T...
by BogleFan510
Sat Nov 21, 2020 3:56 pm
Forum: Personal Investments
Topic: Maximize after tax returns: question on understanding
Replies: 23
Views: 836

Re: Maximize after tax returns: question on understanding

Be real and post it or stop posting false information, like one can get 3% USD on saving accounts or CDs. Here's one account that pays 3%, on deposits up to $15,000 plus the normal "free" checking account hoops to jump through. See link: https://www.lmcu.org/personal/banking/checking-acco...
by BogleFan510
Sat Nov 21, 2020 3:43 pm
Forum: Personal Investments
Topic: Maximize after tax returns: question on understanding
Replies: 23
Views: 836

Re: Maximize after tax returns: question on understanding

DM, I can send a referral. USA So it's a secret? Why would it be a secret? It's not, I just want the referral bonuses. Other forums here on BH talk about it. Getting a referral bonus for opening an account is not earning 3%. You are selling your personal data, or it is a scam, or it is limited to a...
by BogleFan510
Sat Nov 21, 2020 1:52 pm
Forum: Personal Investments
Topic: Maximize after tax returns: question on understanding
Replies: 23
Views: 836

Re: Maximize after tax returns: question on understanding

You can do significantly better (even after taxes) with some online savings accounts/high yield-checking accounts. No principal risk either. This is actually an unknown. You are confusing current yield, expected future yields, and ultimate total return. You do not know what the total return will be...
by BogleFan510
Sat Nov 21, 2020 1:42 pm
Forum: Personal Investments
Topic: Maximize after tax returns: question on understanding
Replies: 23
Views: 836

Re: Maximize after tax returns: question on understanding

You can do significantly better (even after taxes) with some online savings accounts/high yield-checking accounts. No principal risk either. This is actually an unknown. You are confusing current yield, expected future yields, and ultimate total return. You do not know what the total return will be...
by BogleFan510
Sat Nov 21, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Laddering Question
Replies: 13
Views: 818

Re: Life Insurance Laddering Question

Im not a big fan of life insurance until you actually need it. Maybe reevaluate when you actually have children to support. Rates will not move much at your age. Do you have other safety nets like parents with wealth?
by BogleFan510
Sat Nov 21, 2020 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Worse idea ever
Replies: 30
Views: 4561

Re: Worse idea ever

Do we mean worst idea ever? Ore are we supposed to post an idea worse than the OP?
by BogleFan510
Thu Nov 19, 2020 4:09 pm
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 54
Views: 4450

Re: Thank you, moderators!

kudos too. I always welcome a gentle reminder, if necessary.
by BogleFan510
Thu Nov 19, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: [You are] forced to buy TSLA - and it may cost you 5% of your 401k
Replies: 84
Views: 7811

Re: Your forced to buy TSLA - and it may cost you 5% of your 401k

Hi Bogleheads, TSLA is going to enter the S&P 500 in December - and it will probably be 3% to 5% of the S&P 500. The stock keeps going higher everyday - so this number might get much larger by the time it enters it. Most of the 401k "large cap" funds will be forced to buy it at th...
by BogleFan510
Thu Nov 19, 2020 4:04 pm
Forum: Personal Investments
Topic: Mom Needs Monthly Income
Replies: 44
Views: 4085

Re: Mom Needs Monthly Income

I was hoping for some advice or suggestions concerning an investment for my 88 year old mom. She is in good health and lives alone in her own mortgage-free home. She recently sold a rental property that previously supplied her with a monthly income of $340.00 after taxes and insurance. The house cl...
by BogleFan510
Wed Nov 18, 2020 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Unsolicited offer on real estate
Replies: 41
Views: 3742

Re: Unsolicited offer on real estate

Would annoy the hell out of me to get a full offer without any contact and I would likely raise my asking price significantly as a result. We periodically get letters from bottom feeder realtors who comb public records and annoy homeowners with 'we buy homes' unsolicited. A waste of 0.00001% of a tr...
by BogleFan510
Tue Nov 17, 2020 8:22 pm
Forum: Personal Investments
Topic: How many years in fixed income if I won the game with 62x yearly expenses
Replies: 35
Views: 4727

Re: How many years in fixed income if I won the game with 62x yearly expenses

EE bonds are not a bad idea these days as well. Can cash them in, if money is needed, but if not needed at the doubling date they should have performed decently vs inflation. Can max each year, for at least some portion and likely beat CDs.
by BogleFan510
Mon Nov 16, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 87
Views: 14087

Re: Schwab as a one stop shop

Can anyone comment on how well Schwab supports P2P payment systems, i.e. Zelle, PayPal, Venmo? I'm particularly interested in compatibility between Zelle and Schwab. I've Googled this quite a bit and the results seem to be mixed. I've received Zelle payments at Schwab bank, using the ATM as the acc...
by BogleFan510
Mon Nov 16, 2020 7:54 pm
Forum: Personal Investments
Topic: REITs
Replies: 62
Views: 4871

Re: REITs

I heard today on CNBC that REITs may not come back after Covid-19. I do not remember who was talking but was someone who follows REITs. They indicated rental and residential rents in New York have significantly decreased and occupancy is down. They discussed repurposing the buildings such as apartm...
by BogleFan510
Mon Nov 16, 2020 1:32 pm
Forum: Personal Investments
Topic: How many years in fixed income if I won the game with 62x yearly expenses
Replies: 35
Views: 4727

Re: How many years in fixed income if I won the game with 62x yearly expenses

I decided that 70-80% stocks is a sweet spot in that situation. Rationale is that stock market is a 10 year plus game, so having 10x expenses, plus their returns in fixed 'safer' assets is a decent hedge to ride out long downturns, even a 30 year down market like Japan's. Some expense flexibilty mak...
by BogleFan510
Mon Nov 16, 2020 11:42 am
Forum: Personal Investments
Topic: Not sure TLH was worth it
Replies: 45
Views: 5487

Re: Not sure TLH was worth it

A rounding error on your path to financial independence. I wouldnt sweat it.
by BogleFan510
Mon Nov 16, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Path to UHNW
Replies: 48
Views: 4939

Re: Path to UHNW

Not too sure re: the management consulting one. At that level of wealth, you're talking a lot of entrepreneurs, management consulting, venture capitalists, top finance people, investment banking, private equity, high level entertainer, moviet/tv stars, top level musicians, athletes, top of their pr...
by BogleFan510
Sun Nov 15, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Roadtrip during this Thanksgiving / CA
Replies: 31
Views: 2471

Re: Roadtrip during this Thanksgiving / CA

Please read the forum policy on Covid19 posts. Please also think about first responders literally dying to protect you. Then think about how you want 'a break,' and 'fun' and will do an action that increases the risks of causing a death for everyone at a time we are the highest risk ever. P.S. Our f...
by BogleFan510
Sat Nov 14, 2020 8:41 pm
Forum: Personal Investments
Topic: Is going to a robo advisor for tax loss harvesting worth it?
Replies: 31
Views: 3383

Re: Is going to a robo advisor for tax loss harvesting worth it?

No. Do it yourself > AUM fee. If robo is free, no cash allocation, match index fees, I might consider it. After so many years of investing I think I have like 3 positions out of about 50 assets that have losses I could harvest. When I decide I want to take a gain, I sometime offset with a sqle for a...
by BogleFan510
Sat Nov 14, 2020 9:14 am
Forum: Investing - Theory, News & General
Topic: Will Palantir ever be profitable?
Replies: 37
Views: 3478

Re: Will Palantir ever be profitable?

I think I interviewed with them years ago, pre IPO. Maybe just a meeting or a competitor with similar business model, I can't remember. They were hiring top strategy profesionals with engagement leadership experience, not just engineers. Anyway, my thought is that someone able to draw inferences fro...
by BogleFan510
Sat Nov 14, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: Consequences of closing 25y/o checking account?
Replies: 16
Views: 1723

Re: Consequences of closing 25y/o checking account?

Just make sure ther are no outstanding checks or automatic payments. Otherwise no impacts that I know. I stopped physical banking a decade ago, and dont miss it. With cell phone apps, deposits are easy from home. Mail and phone calls can address most other issues, including a complicated account clo...
by BogleFan510
Fri Nov 13, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: New Traeger Pellet Grill - Super Excited!
Replies: 38
Views: 3052

Re: New Traeger Pellet Grill - Super Excited!

* Spatchcock whole chickens and cook breast side up, seasoning of choice, I like putting it under skin New word/cooking method for me.... Spatchcock .... Never heard of this before so I checked it out....wow.....interesting way to grill/smoke chicken and turkey. I did p/u a turkey breast so as soon...
by BogleFan510
Fri Nov 13, 2020 12:07 am
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 278
Views: 20110

Re: Taylor Sends His Best to Fellow Bogleheads

Thanks for your contributions. Be well!
by BogleFan510
Thu Nov 12, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: New Traeger Pellet Grill - Super Excited!
Replies: 38
Views: 3052

Re: New Traeger Pellet Grill - Super Excited!

Thanks for the tips and comments. Really looking forward to getting started with the method of grilling/cooking. I have read a few reviews on Traeger's website that some owners of this model have had issues with the Blue Tooth not working properly. So my question about where to keep the Traeger con...
by BogleFan510
Thu Nov 12, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest equity from a house ?
Replies: 86
Views: 5106

Re: Would you invest equity from a house ?

To acquire more income-producing real estate in a stable market? Yes. To chase performance in the market? No. Good advice. We have zero leverage. If you can hit your goals without it, why do it, if not, can you afford the risk? So my conclusion is that this can work well for lower income, high risk...
by BogleFan510
Thu Nov 12, 2020 10:44 am
Forum: Investing - Theory, News & General
Topic: % allocation in bitcoin
Replies: 204
Views: 11082

Re: % allocation in bitcoin

Dont hold any commodities, which is the asset class I categorize bitcoin in. Commodity values rise and fall based on supply and demand. They are tradable, but do not generally produce financial value/revenue outside of their use as an input to a means of production. Since I dont produce value added ...
by BogleFan510
Thu Nov 12, 2020 10:37 am
Forum: Personal Finance (Not Investing)
Topic: To escrow or not to escrow your taxes
Replies: 50
Views: 2460

Re: To escrow or not to escrow your taxes

I recently purchased a $430k house and pay $724/month in property taxes which goes into escrow to the tune of almost $9000/year since Texas is a high property tax state. I did this because I was concerned about having too many credits at closing due to realtor rebates and loan credits even though I...
by BogleFan510
Thu Nov 12, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: 2.25% Initial Withdrawal Rate.... FIRE?
Replies: 30
Views: 3383

Re: 2.25% Initial Withdrawal Rate.... FIRE?

So a particularly rough couple weeks at work have got me thinking. I just calculated the total of my investments (liquid) and compared it to our yearly expenses for the last 3 years and if I FIRE'd today our initial withdrawal rate would be just under 2.25%. Note, as a reference, the shiller PE tod...
by BogleFan510
Thu Nov 12, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: New Traeger Pellet Grill - Super Excited!
Replies: 38
Views: 3052

Re: New Traeger Pellet Grill - Super Excited!

Traeger grills are the best. Their web site has tons of ideas. Things we like include. * Chicken thighs with any type of marinate. It is perfect for those. * Spatchcock whole chickens and cook breast side up, seasoning of choice, I like putting it under skin * Slow cook ribs with dry rub at lowest s...
by BogleFan510
Wed Nov 11, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Victim of online scam. problem with credit card dispute.
Replies: 99
Views: 5640

Re: Victim of online scam. problem with credit card dispute.

I would tell B of A to have the vendor provide documentation that shows you made this purchase and the amount. Why is the burden on you to prove anything? Unfortunately, some credit card companies/issuers work harder for you in disputes than others. Sometimes when I am suspicious/skeptical of a pur...
by BogleFan510
Wed Nov 11, 2020 12:13 pm
Forum: Personal Investments
Topic: Rebalancing problem
Replies: 29
Views: 1958

Re: Rebalancing problem

While this may not seem helpful, have you considered not rebalancing and adjusting to a slightly higher stock allocation? With your low spending your family seems like ours, likely over saving. I tend to think of fixed income as a 'safe floor' so rather than fix it at a percentage, I fix it at a rea...
by BogleFan510
Tue Nov 10, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: Safest way to generate inflation+1% returns in retirement accounts
Replies: 4
Views: 700

Re: Safest way to generate inflation+1% returns in retirement accounts

While not a direct answer, something to ponder is the difference between nominal returns and real returns, because at extremely low interest rates our mental bias about these numbers doesnt always translate sucessfully. 1% above inflation is HUGE in real terms when interest rates are 1%, while 1% ab...
by BogleFan510
Mon Nov 09, 2020 4:30 pm
Forum: Personal Investments
Topic: Prop 19 in California
Replies: 4
Views: 750

Re: Prop 19 in California

Sounds like consulting legal counsel is in order.
by BogleFan510
Mon Nov 09, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: So much for Schwab's user experience over Vanguard
Replies: 27
Views: 2522

Re: So much for Schwab's user experience over Vanguard

Very odd thread title for one glitch. Expected a horrible customer service experience story. Ive been with Schwab about 40 years, through their first PC trading platforms over 1200 baud modems, VRUs, etc. I've really never had them not try their hardest to make things right, including a ton of work...
by BogleFan510
Mon Nov 09, 2020 10:57 am
Forum: Investing - Theory, News & General
Topic: So much for Schwab's user experience over Vanguard
Replies: 27
Views: 2522

Re: So much for Schwab's user experience over Vanguard

Very odd thread title for one glitch. Expected a horrible customer service experience story. Ive been with Schwab about 40 years, through their first PC trading platforms over 1200 baud modems, VRUs, etc. I've really never had them not try their hardest to make things right, including a ton of work ...
by BogleFan510
Sat Nov 07, 2020 2:58 pm
Forum: Personal Investments
Topic: Ok Taking Pension Now Options
Replies: 35
Views: 2261

Re: Ok Taking Pension Now Options

I'd suggest the 100% spousal benefit. You may both live many years. Even if you were to get term insurance now at relatively low cost now to protect your wife's interest, you will not be wanting or probably even able to be buying it in your late eighties and beyond. If you pre-decede, she'll be fac...
by BogleFan510
Sat Nov 07, 2020 2:48 pm
Forum: Personal Investments
Topic: Ok Taking Pension Now Options
Replies: 35
Views: 2261

Re: Ok Taking Pension Now Options

I disagree with Watty. In today's environment one would be lucky to get a safe 2-3% lifetime annuity. 5k per month is 60k per year. One would need a $3M CD at 2% or $2M CD at 3% to get that level of secure income. I would take max solo pension, since SO is secure regardless, and a bit of extra incom...
by BogleFan510
Sat Nov 07, 2020 2:10 pm
Forum: Investing - Theory, News & General
Topic: Starved & Searching for Yield???
Replies: 147
Views: 14534

Re: Starved & Searching for Yield???

I am not familiar with those tickers. Would you mind sharing the fund names? F /PRC --- Ford Motor Co. 6% Notes due December 1, 2059 --- https://www.wsj.com/market-data/quotes/us/F.PRC WFC --- Wells Fargo & Co (there are multiple preferred issues --- https://www.wellsfargo.com/about/investor-re...
by BogleFan510
Sat Nov 07, 2020 12:37 am
Forum: Personal Investments
Topic: Depressed About Money
Replies: 31
Views: 2959

Re: Depressed About Money

Start volunteering at a homeless shelter or soup kitchen. +1 First, you are blessed. Second think on this. Wesaved enough to retire in our early 50s with a modest 8 figure net worth. I used to fuss because during my career a few right moves and I might have had 9 figure wealth, as some peers have a...
by BogleFan510
Fri Nov 06, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Why do checking accounts get better bonuses?
Replies: 24
Views: 2537

Re: Why do checking accounts get better bonuses?

Stickier. More valuable data about your spending patterns for cross marketing.
by BogleFan510
Fri Nov 06, 2020 7:27 pm
Forum: Non-US Investing
Topic: Percent of assets in a single broker
Replies: 30
Views: 2837

Re: Percent of assets in a single broker

Three brokers, roughly a ratio of 85% (main): 10% (backup): 5% (try me incentive bonus) among the three.