Bogleheads.org

protagonist

I just finished Oryx and Crake by Margaret Atwood. Excellent book.

protagonist

The new email group now has two Polls (at our Groups.io website), asking where members reside, and also preferred day of week to meet, in order to better plan centralized meetings (or rotate, if need be). We're aiming to schedule our next meeting in early/mid Nov. I'll be in St Pete in January with...

protagonist

Roughly skimming the last few pages of the 146 pages of this thread leads me to the assumption that Bogleheads are strong believers in market timing. They also believe that past performance is a reliable predictor of future returns, both in the short term and in the long term. No judgment here....wh...

protagonist

I looked at my portfolio...over the 2 days I lost a car, WTH!, sheesh! That’s all!!!.. I wanna lose a house :twisted: If I am not mistaken, the Dow first hit 25000 around the beginning of this year. So if you invested your money before 2018, you have not lost anything....you are still ahead. It's l...

protagonist

FWIW, Trader Joe's makes a rapid cooking steel cut oatmeal that can be prepared in a microwave in a short period of time (I forget how long but definitely less than 10 minutes of cooking....probably closer to five). I can't compare it to others because it is the only one I buy. They also have an "an...

protagonist

That is true, and you are doing the right thing. But just because you are frugal and spending less does not mean that you are earning a real return. If I switch from steak to hamburger meat because both prices went up, I don't dodge inflation. I know what my spending history and for what purposes.....

protagonist

I looked at my portfolio...over the 2 days I lost a car, WTH!, sheesh! That’s all!!!.. I wanna lose a house :twisted: If I am not mistaken, the Dow first hit 25000 around the beginning of this year. So if you invested your money before 2018, you have not lost anything....you are still ahead. It's l...

protagonist

I looked at my portfolio...over the 2 days I lost a car, WTH!, sheesh! That’s all!!!.. I wanna lose a house :twisted: If I am not mistaken, the Dow first hit 25000 around the beginning of this year. So if you invested your money before 2018, you have not lost anything....you are still ahead. It's l...

protagonist

Social security benefits are indexed to inflation. Thus I assume a 2.8% increase is actually a zero increase in "real terms". "Look forward to" is misleading, unless your expenses are inflating at below the index level. Many retiree's inflation is less than the CPI. Mine has been much less than the...

protagonist

Social security benefits are indexed to inflation.

Thus I assume a 2.8% increase is actually a zero increase in "real terms". "Look forward to" is misleading, unless your expenses are inflating at below the index level.

protagonist

A Japanese investor with a reasonable allocation to global stocks would have ended up just fine. Japan is exhibit A on why international diversification is important for all investors. Yet in 2008, when Washington sneezed, the entire world caught a cold. My international investments underperformed ...

protagonist

Suggestion (pretty obvious, so forgive me if you have already done so): List your group with meetup.com if you want to attract interested people. That goes for Tampa, SW FL and all others. Actually, I run a Meetup group for our local Audiophile club. However, Bogleheads are a niche group, and I thi...

protagonist

Suggestion (pretty obvious, so forgive me if you have already done so):

List your group with meetup.com if you want to attract interested people.

That goes for Tampa, SW FL and all others.

protagonist

Paying far too much attention to this passing nonsense when it would be far, far more valuable to read, study, and reflect on anything that helps you know yourself, your own situation, and your own microeconomics better. The financial industry includes everyone that has interests other than yours, ...

protagonist

From Wikipedia: "Critics such as sociologist Frank Furedi[13] and neuropsychologist Paul Pearsall[14] cited the book as an example of what they see as a cultural trend of over-emphasizing the significance of self-esteem. Psychology professor Robyn Dawes said that Branden propagated a false "belief t...

protagonist

I also canceled Moviepass. Re: Simemia: Movies around here cost about $10/ticket. If I maximized my Simemia use and saw 3 movies/month I would save $20/month, ASSUMING I would have seen 3 movies/month anyway. I didn't hit that average with Moviepass, though one a week was my goal. In the greater sch...

protagonist

Life insurance is priced according to actuarial tables. Using the law of large numbers, life insurance companies can predict the lifespan of a population based on specific risk factors. They can't predict your specific lifespan, but they know how long someone of your age, health, and lifestyle will...

protagonist

Those inputs (expected returns, expected variance, and expected correlation) will determine the output. Unfortunately, it is up to the investor to use they judgement abut what those inputs should be. Correct. And when it comes to predicting what the world will look like in 20 or 30 or (gasp!) 50 or...

protagonist

How much weight should I be giving to calculators like this? None. You are in your 30s so you likely have a 50 year plus investment future. Even if the calculators are based on 100 years of solid data (doubtful), predicting 50 years into the future based on 100 years of data and no valid underlying...

protagonist

... Why not simply buy an index (like S&P500) when the 12 month moving average is flat or going up, and sell when it is going down. I don't believe I can predict the future at all, but I know for sure I can tell which way a line is going on a graph over a period of time. The key distinction here is...

protagonist

I'm waffling on which card I should get next. Overall goal is to build up airline points for future travel. Future destinations include Asia and Europe; can't be more specific at this time. At present I have a Chase Southwest RR VISA acquired last year as part of their California resident Companion...

protagonist

Look at his predictions ten years ago and see how well they match reality for this decade. Ten years ago, after the crash depressed market valuations, the theory forecasted returns more likely to be above the historical average than below it. The theory was correct. Care to point out anyone who in ...

protagonist

Look at his predictions ten years ago and see how well they match reality for this decade. Ten years ago, after the crash depressed market valuations, the theory forecasted returns more likely to be above the historical average than below it. The theory was correct. "theory"? That's a 50-50 chance....

protagonist

Look at his predictions ten years ago and see how well they match reality for this decade. My guess is that he probably did as well as anybody who enters the annual "Dow challenge" guessing game. If he nailed it, he was one really lucky guy. Who would have predicted a black president in 1998? Who wo...

protagonist

Consider something local that you believe in and know about. That is probably best. If you go for something national or global, carefully research online how much of your money is going to administration and how much is actually getting to the source. Also consider that if you give to a specific cau...

protagonist

I ride 10-30 miles/day, usually about 20-22 miles, 4-5 days/week, average about 14 mph. I ride a hybrid (about $500). I've tried $2000-4000 carbon bikes. IMHO they are probably slightly faster and shift slightly smoother but not more comfortable. The light weight does not seem to offer much differen...

protagonist

[ This is a good point, and it really makes me wonder if the early retirement people are taking a much bigger risk than they believe. It's tough to plan for a 50-year (for example) retirement when the world can change so radically in just 20 years. What is often ignored here is that "risk" is a dou...

protagonist

A 4% withdrawal rate for 30 years only works about 82% of the time. I need to drop down to 3.4% withdrawal rate to get the success rate up to 95%. Does this sound right to people? This is 15% less money per year than the usual rule and I'm arguably using unrealistically high expected return numbers...

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Certificates | NASA Federal Credit Union

[link formatted by admin LadyGeek]

protagonist

I recently took a 3 1/2 week trip to France, packing only 2 pairs of Ex Officio travel underwear. Every evening I would spend a couple of minutes rinsing out the pair I wore in the sink and hanging it to dry on an elastic travel clothesline. The next day I would wear the other pair. The first pair w...

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"Why is nobody talking about the big investing mistake Kanye West made by giving his wife Kim Kardashian shares of Amazon (AMZN - Get Report) , Netflix (NFLX - Get Report) , Apple (AAPL - Get Report) , Adidas (ADDYY) and Disney (DIS - Get Report) ? He didn't DIVERSIFY (shout out to TheStreet's Jim C...

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whodidntante wrote: ↑
Sat Sep 01, 2018 11:29 am
It's better than nothing but not too likely to beat inflation after taxes. Treading water, maybe losing a little.

Likely true. But what is the alternative?

protagonist

On the other hand, being debt-free with a roof over your head is psychologically priceless, especially in 2008-like scenarios or worse. I couldn't agree with you more. In days when it is cold or rains heavily, my family and I can stay warm, have a roof of our own over our heads - the feeling is pri...

protagonist

On the other hand, being debt-free with a roof over your head is psychologically priceless, especially in 2008-like scenarios or worse. I couldn't agree with you more. In days when it is cold or rains heavily, my family and I can stay warm, have a roof of our own over our heads - the feeling is pri...

protagonist

Though I have tended to drive cars into the ground, the technology over the past 5 years or so is rapidly improving in ways that it had not in previous decades, in terms of convenience features, safety features and economy. Cars now almost drive themselves. So it's hard to guess the sweet spot.

protagonist

You got me thinking. Google translates "powder room" as "Damentoilette", which I guess means literally "women's toilet". I think a "powder room" in English is a polite and somewhat archaic euphemism for a woman's bathroom, but even that may be nuanced in ways I don't understand (as an American male)...

protagonist

Bitdefender or Avira (free). I like Avira but annoying side-effect is little popups.

protagonist

Manhattan real estate sales in 2d quarter....17% less sales and prices down 7.5% cf. 2d quarter last year. Smallest volume since 2009. Resale apts. are spending longer on the market. New apt. sales down 37% from 2d quarter last year. In addition to properties becoming too expensive, there are the is...

protagonist

There are even folks out there who want to give up on bonds now that 2018 has proved disappointing for bonds. Consensus is there will be 2 more rate hikes this year and at least 2 more next year. If you thought bonds were a good idea in January, they should be a good idea now. I agree. And if you t...

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Bogleheads: Boglehead Jim Dahle has written a very helpful article for wealthy Bogleheads with extra cash who cannot decide whether to pay-off their mortgage or invest in stocks & bonds: 6 Reasons The Rich Should Pay-Off Their Mortgage Thank you, Jim Best wishes. Taylor " When you are very poor, a ...

protagonist

The only goal is to beat inflation and preserve the purchasing power of the portfolio. If you were a US citizen living in the US, TIPS would do that for you--at least for 30 years (maximum maturity of TIPS). But since you don't know what currency you'll be spending in the future, you can't know wha...

protagonist

Earl Lemongrab wrote: ↑
Mon Aug 27, 2018 7:16 pm

protagonist wrote: ↑
Mon Aug 27, 2018 6:32 pm
Time is money. You have already easily spent $10 worth of your time posting this and reading the responses up until now.
Yeah, but a bunch of us have also read and posted, with no expectation of getting anything out of it at all.

Good point! (laughing...)

protagonist

Time is money. You have already easily spent $10 worth of your time posting this and reading the responses up until now.

protagonist

Also consider what will happen to them if they require long-term nursing home care or the equivalent in the future. That can be extremely expensive in the US and can rapidly deplete one's nest egg. I don't know what their Australian insurance would provide. But it's worth examining whether the move ...

protagonist

Forget about AA percentages. If you plan to completely retire, project what you think you need to live on for the next 60 years given your annual expenses...today's dollars. Invest that very conservatively (CDs for example). That is a hard thing to do at age 28 since your future life is uncertain bu...

protagonist

The trouble is, for me (and maybe others), it would hurt my "peace of mind" to be rapidly spending down my $1 million portfolio in my 60s, assuming that the SS benefits I'm counting on at 70 will be there, especially since the government has explicitly told me, as of today, that they will be reduce...

protagonist

ignore...duplicate post. sorry.

protagonist

And I believe Kevin M made a reasonable point that some people treat the tax deferral as if a significant factor in normal circumstances over short-medium maturities which it's not. I think it's worth pointing out it's not, and pointing that out does not actually involving 'missing' anything. I agr...

protagonist

My simple answer to this dilemma that I posted in a previous similar thread: A huge mistake I humbly believe that many people make on this site is equating "maximum wealth" with "happiness" and "better life"...the latter is much more correlated with peace of mind. In that context, deciding when to s...

protagonist

Have my tickets on the wall right next to me. I don't think that more than the first couple hundred people actually used them. :wink: I was also one of the silly kids who actually bought a ticket in advance. Boy, did I feel stupid at the time. I wish I saved mine like you did. It might actually be ...

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