Search found 327 matches

by og15F1
Mon Aug 24, 2015 2:59 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 41594

Re: The Bogleheads' Silent Majority

Apparently January is the last time I logged in to post

I watch the forum almost daily

I'm doing nothing with regards to my investments

Everything is within its bands

Today's events are just part of the natural downward yin to the recent prolonged upward yang
by og15F1
Sat Jan 17, 2015 2:03 pm
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 17824

Re: What is the international portion of your portfolio and

I have about 50% of equities in international. It's close to market weight and easy to handle for rebalancing purposes. The ETFs I use are VXUS and VEU.
by og15F1
Wed Jan 14, 2015 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Another Down Payment Math Problem
Replies: 14
Views: 2980

Re: Another Down Payment Math Problem

Thanks everyone for the replies

I will talk it over with my boss (DW) :wink:
by og15F1
Wed Jan 14, 2015 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: How do I know when I'm Financially Independent?
Replies: 18
Views: 4124

Re: How do I know when I'm Financially Independent?

Do the math on paper of what your portfolio value, and withdrawals, would look like with various AA's given 50% stock declines over various periods of time. Think hard about how you'd deal with it. I'd model a realistic AA and see if you're still FI. Exactly. Now what tool lets me do this? I was un...
by og15F1
Tue Jan 06, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate your savings rate?
Replies: 44
Views: 5544

Re: How do you calculate your savings rate?

In calculating our personal savings rate I do not include our 401k company match, or additional home equity resulting from mortgage payments. For the denominator I only include our salary income, not dividends, interest, cap gains. I agree with this. This is what enables you to do an apples-to-appl...
by og15F1
Tue Jan 06, 2015 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do I know when I'm Financially Independent?
Replies: 18
Views: 4124

Re: How do I know when I'm Financially Independent?

Ryman, as I mentioned, I doubt any "tool" will be able to predict the future. I agree. And wouldn't use a tool like firecalc to pick an AA that looks successful in the rear view mirror. If one's portfolio isn't massive relative to one's expenses then I doubt that person would really have ...
by og15F1
Mon Jan 05, 2015 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do I know when I'm Financially Independent?
Replies: 18
Views: 4124

Re: How do I know when I'm Financially Independent?

TFinator wrote:
og15F1 wrote:
ryman554 wrote:assuming an 80/20 AA


Are we to assume 80% stocks or bonds...?


In general stocks come first.


Right - which is why 80/20 for age 50 thru 90 seems ... uncomfortably aggressive to me

I figured I'd give OP a chance to clarify before I jump to the conclusion
by og15F1
Mon Jan 05, 2015 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do I know when I'm Financially Independent?
Replies: 18
Views: 4124

Re: How do I know when I'm Financially Independent?

ryman554 wrote:assuming an 80/20 AA


Are we to assume 80% stocks or bonds...?
by og15F1
Mon Jan 05, 2015 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate your savings rate?
Replies: 44
Views: 5544

Re: How do you calculate your savings rate?

I don't. Seems like two different calculations. Including it in the denominator gets you towards a calculations of Saved/Save-able. Excluding it gets you towards a calculation of Savings/Income. If it is money your employer handed you it is income, seems to me. If someone gets "paid" by y...
by og15F1
Mon Jan 05, 2015 12:41 pm
Forum: Investing - Theory, News & General
Topic: Are markets becoming inefficient?
Replies: 15
Views: 2272

Re: Are markets becoming inefficient?

Rodc wrote:Probably not. For one thing day traders don't control a large percentage of the market cap. Frankly they trade far less than the robo traders, both in speed and volume.


This
by og15F1
Mon Jan 05, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: Hussman finally admits the obvious
Replies: 16
Views: 3078

Re: Hussman finally admits the obvious

lack_ey wrote:Wow, time to give up on the market. When the doom and gloomers change their tune, now that's the red flag. I'm out, guys. brb hiding in my bunker behind my gold stash

:wink:


Seriously
by og15F1
Mon Jan 05, 2015 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate your savings rate?
Replies: 44
Views: 5544

Re: How do you calculate your savings rate?

I hope you include company match in your denominator. I do now! I don't. Seems like two different calculations. Including it in the denominator gets you towards a calculations of Saved/Save-able. Excluding it gets you towards a calculation of Savings/Income. The latter seems to be how most retireme...
by og15F1
Mon Jan 05, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Another Down Payment Math Problem
Replies: 14
Views: 2980

Re: Another Down Payment Math Problem

Thanks everyone for the replies. It seems like there is a consensus - wait and save more. I have a question about that, which I'll get to: It seems like you, I mean the hypothetical family, could generate some pretty decent cash savings if you reduced retirement savings. ... A giant question is, how...
by og15F1
Fri Jan 02, 2015 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Another Down Payment Math Problem
Replies: 14
Views: 2980

Another Down Payment Math Problem

Somewhat of a word problem. No real right or wrong answers. I'm interested in your opinions. A husband, wife, and kids moved to a location they plan to live at for 10+ years (near wife's family) and think they're ready to buy a house. The parents are early 30s, single income, 150k/yr. Income is from...
by og15F1
Thu Oct 17, 2013 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Investing and E-fund with pending court case
Replies: 5
Views: 637

Re: Investing and E-fund with pending court case

Thanks for the input. I've been trying to think of some analogies to the situation but prefer not to elaborate other than to say it is not a criminal case. Obviously this is a situation with a major unknown. If I knew the end cost I could do the math. I speculate that the ultimate cost will be $25k ...
by og15F1
Mon Oct 14, 2013 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Technical Recruiters
Replies: 10
Views: 1201

Re: Technical Recruiters

I've worked with them as an employee and as an employer. I would continue to use them in both cases. I think the important thing to keep in mind, as an employee, is that they work for your potential employer. They are loyal to themselves first (so they want you to get a higher salary which they make...
by og15F1
Mon Oct 14, 2013 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Investing and E-fund with pending court case
Replies: 5
Views: 637

Investing and E-fund with pending court case

My household is expecting a court case to materialize in the short to medium term and I am looking for insight as to how to adjust my emergency fund / cash on hand / investing plan. We have consulted some lawyers, retained one, and will possibly retain a second. As it relates to cash/e-fund, the que...
by og15F1
Tue Sep 10, 2013 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Considering new job. How much value is a 401k to you?
Replies: 16
Views: 1891

Re: Considering new job. How much value is a 401k to you?

Retired now, but if I was still in the job market in-service withdrawals wouldn't be a big concern for me. The 401K is a tool for saving for retirement and the easier it is to get the money out the more tempted I might be to do it. Regarding the value of a 401K, it is part of the total compensation...
by og15F1
Tue Aug 20, 2013 1:54 am
Forum: Personal Consumer Issues
Topic: Ring setting question
Replies: 4
Views: 642

Re: Ring setting question

I have checked one smaller local jeweler

The free setting seems to be when you buy the stone from them...
by og15F1
Fri Aug 16, 2013 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on MS in Hydrogeology?
Replies: 10
Views: 1852

Re: Thoughts on MS in Hydrogeology?

Honestly, I met a person who worked in this field who struggled to find a job and later got arrested after attempting to rob a bank :moneybag :oops:
by og15F1
Fri Aug 16, 2013 1:55 pm
Forum: Personal Consumer Issues
Topic: POLL: How much do you like your job?
Replies: 41
Views: 4094

Re: POLL: How much do you like your job?

Well if I like it somewhat that has to mean I also dislike it somewhat

I voted for like it somewhat because I try to be somewhat of an optimist

There are things I like and definitely things I don't like
by og15F1
Fri Aug 16, 2013 1:54 pm
Forum: Personal Consumer Issues
Topic: Ring setting question
Replies: 4
Views: 642

Ring setting question

Hello I have a loose diamond that I want to get set into a ring for my wife. Some jewelry stores of various size/reputation charge widely different prices for the rings based on material, setting type, ring design, etc. but all charge around $200-$250 for the labor of actually setting the diamond in...
by og15F1
Thu Aug 01, 2013 2:43 am
Forum: Personal Finance (Not Investing)
Topic: Esurance?
Replies: 17
Views: 2901

Re: Esurance?

I have had Esurance for about the past 3yrs. Never had to file a claim, but the prices are great. Same We formerly used Progressive, then when prices kept going up we switched to a smaller company with an agent I'm friends with, and when those prices kept getting too high we got esurance. So far so...
by og15F1
Thu Aug 01, 2013 2:38 am
Forum: Investing - Help with Personal Investments
Topic: Buying a house vs investing?
Replies: 26
Views: 3850

Re: Buying a house vs investing?

Well obviously there's more that goes into the decision and it isn't purely financial A couple years ago our family relocated for work (my job). We have been renting since and are prioritizing investing over purchasing a home. Part of the reason is that I'm rolling the dice and expecting the investm...
by og15F1
Wed Jun 19, 2013 1:06 am
Forum: Personal Consumer Issues
Topic: First car options, overwhelmed
Replies: 25
Views: 2450

Re: First car options, overwhelmed

lease something like a hyundai or a toyota corolla or a mazda3. you can get those for nothing down, $150/mo or so. or check out sites like swapalease.com and leasetrader.com As much as I don't like leasing, this is, I think, the best option. Leasing will get you a NEW car for under $200 a month. Ch...
by og15F1
Sun Jun 09, 2013 1:04 am
Forum: Personal Finance (Not Investing)
Topic: HSA account included as part of Emergency Fund?
Replies: 10
Views: 1594

Re: HSA account included as part of Emergency Fund?

pochax wrote:HSA is my first-tier medical emergency fund.


This. It's a nice side-pocket for COBRA premiums or something.
by og15F1
Fri May 31, 2013 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Am I on the right track?
Replies: 46
Views: 3821

Re: Am I on the right track?

I was looking for the M3. My #1 choice right now is the 2009-2011 E92 M3 Coupe. They're $45-55k right now. I figure I can get a decent 2012 328i sedan for $35-40k, but I might as well spend $5k more to have something I'll enjoy more. Being as you're talking about an M3, to me personally, that is so...
by og15F1
Wed May 29, 2013 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Am I on the right track?
Replies: 46
Views: 3821

Re: Am I on the right track?

Tell us the car you are considering.... Only then can we determine if you can afford it I signed in just to say the same thing It depends on what kind of a used car you're getting for $50k Blown out Maserati/Jaguar/Boxster and it's thumbs down On the other hand if we are talking about an M5... Howe...
by og15F1
Fri May 24, 2013 1:58 am
Forum: Investing - Theory, News & General
Topic: RBD (Really Bad Day)
Replies: 31
Views: 3337

Re: RBD (Really Bad Day)

You might be paying too much attention to the news
by og15F1
Thu May 23, 2013 1:32 am
Forum: Personal Consumer Issues
Topic: can i buy my sportscar?
Replies: 129
Views: 11931

Re: can i buy my sportscar?

Thanks to all for the advice. After looking at 1 year old 911s and 2-3 year old boxsters, and feeling guilty about the money despite loving the cars, I bought a 2 year old convertible and love it. Spent high 30s, instead of 75-80k, and I am getting equal enjoyment i think. I want to thank everyone ...
by og15F1
Tue Mar 12, 2013 1:14 am
Forum: Personal Consumer Issues
Topic: Anyone use iPad or iPhone for auto navigation system?
Replies: 77
Views: 7490

Re: Anyone use iPad or iPod for auto navigation system?

I've also been using Waze, then Apple/Google maps, on an iPhone

I've had a Garmin but it hasn't been used in years...
by og15F1
Fri Feb 01, 2013 3:12 am
Forum: Personal Finance (Not Investing)
Topic: Online Tax Software - Multiple State Filings
Replies: 5
Views: 1009

Re: Online Tax Software - Multiple State Filings

When I did my taxes last year I filed in two states and paid for both using TurboTax
by og15F1
Fri Feb 01, 2013 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Finally!!! [Net Worth Back to 2007 Level]
Replies: 22
Views: 5255

Re: Finally!!! [Net Worth Back to 2007 Level]

Glad to hear you've been made whole again

The business disintegrating in 2 months is pretty scary though...
by og15F1
Mon Jan 28, 2013 3:56 am
Forum: Personal Consumer Issues
Topic: Replacing a car radio
Replies: 12
Views: 1159

Re: Replacing a car radio

Liam wrote:Your thoughts? Your advice?


I think you can go to Best Buy and get something with CD player, aux line for ipod, etc. for $75 and then get it installed for ~$50

I'd save the headache and do that
by og15F1
Sat Jan 26, 2013 3:24 am
Forum: Personal Finance (Not Investing)
Topic: How did you do for 2012 Credit Card Rewards?
Replies: 53
Views: 24166

Re: How did you do for 2012 Credit Card Rewards?

We were "rewarded" with around $250 on an AMEX Blue Cash (not preferred) card

Now that I've had it for a year I'll take a closer look at the year end summary and check out the benefit of switching to preferred
by og15F1
Sat Jan 26, 2013 3:22 am
Forum: Investing - Theory, News & General
Topic: Does this headline trouble you?
Replies: 43
Views: 3856

Re: Does this headline trouble you?

allocator wrote:From this afternoon's New York Times:


"Stocks Near New Heights as Small Investors Regain Faith"



Nope

If the headline was "you made money today" I would also not be troubled
by og15F1
Sat Jan 26, 2013 3:21 am
Forum: Investing - Theory, News & General
Topic: a john c. bogle book for a lad
Replies: 15
Views: 1990

Re: a john c. bogle book for a lad

I can't believe there are no answers to this

Without a doubt I'd recommend this one:
http://www.amazon.com/Little-Book-Commo ... 0470102101

It's short and simple, but powerful

Purchase it through the Amazon.com link on this page
by og15F1
Sat Jan 26, 2013 3:19 am
Forum: Investing - Help with Personal Investments
Topic: Seeking to retire at 50
Replies: 52
Views: 4048

Re: Seeking to retire at 50

Based on the data you have available today I would say that you're not retiring at 50 unless you and your wife earn and save a lot more money

Don't take that negatively. Most of us won't retire at 50 but will hopefully enjoy life anyway.
by og15F1
Sat Jan 26, 2013 3:15 am
Forum: Investing - Help with Personal Investments
Topic: New 401(k) "Save the Max" Calculator
Replies: 27
Views: 8471

Re: New 401(k) "Save the Max" Calculator

Or you can just set the contribution to the maximum allowable percentage of your check and let it roll until you hit the limit...
by og15F1
Thu Jan 24, 2013 1:24 am
Forum: Investing - Theory, News & General
Topic: The worst [investing] advice [you have received]
Replies: 64
Views: 6679

Re: The worst [investing] advice [you have received]

I don't know about someone who was "in the know" but I bought BP in late 2009 after my father recommended I buy it and Goldman changed the rating to buy. I believe Cramer was touting it at the time. Shortly thereafter, Deepwater Horizon blew out... m See chart here: m This made me realize ...
by og15F1
Thu Jan 24, 2013 1:16 am
Forum: Investing - Theory, News & General
Topic: Does your portfolio tilt toward small/value?
Replies: 41
Views: 4122

Re: Does your portfolio tilt toward small/value?

Mine does not

My plan is to match the market and not tilt

However, through my 401k fund choices, I'm probably tilted AWAY from small caps

I think about correcting that by adding some new funds but then just figure a good plan is good enough and I shouldn't complicate it seeking a perfect plan
by og15F1
Thu Jan 24, 2013 1:11 am
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 199
Views: 33639

Re: Two Comma Club

Congratulations :moneybag :moneybag :moneybag
by og15F1
Thu Jan 24, 2013 1:09 am
Forum: Personal Consumer Issues
Topic: Breaking in engine on new car
Replies: 43
Views: 4200

Re: Breaking in engine on new car

I continue to see divergent opinions on this

Personally I don't believe it matters. That's not based on any evidence however.
by og15F1
Tue Jan 22, 2013 3:06 am
Forum: Investing - Theory, News & General
Topic: Lazy portfolios.. why not one step simpler
Replies: 20
Views: 3455

Re: Lazy portfolios.. why not one step simpler

pastafarian wrote:
leo383 wrote:I personally think the ultimate lazy Boglehead portfolio also just has two funds: Total World and Total Bond.

I resemble that remark :happy


That's becoming the next change I want to make
by og15F1
Tue Jan 22, 2013 3:04 am
Forum: Investing - Theory, News & General
Topic: If market drops 50% in a week will you rebalance?
Replies: 118
Views: 7414

Re: If market drops 50% in a week will you rebalance?

I'm not sure. I might not notice.
by og15F1
Tue Jan 22, 2013 3:01 am
Forum: Personal Consumer Issues
Topic: Theoretical question about energy efficiency & savings
Replies: 22
Views: 1705

Re: Theoretical question about energy efficiency & savings

Your line of thinking is correct

Moreover, in places like Hawaii there is a double benefit. The lighting Wattage is reduced and as well as the cooling load.

The value of the trade off is also geographically dependent on the spread between electricity and fuel rates
by og15F1
Tue Jan 22, 2013 2:57 am
Forum: Personal Finance (Not Investing)
Topic: How many withholding allowances for married working couple?
Replies: 12
Views: 3615

Re: How many withholding allowances for married working coup

I second this, except rather than try to get an answer out of HR or guess and check, try using the calculators at http://www.paycheckcity.com/ . I have found them very accurate for straightforward situations and are what I use. We also have two disparate and varying incomes, so every time something...