My thoughts on this are a combination of
1. Delay Social Security to 70
2. SPIA
3. Two funds (one for aggressively investing and one as an emergency fund for cash needs)
At the age of seventy it will be simplistic. From retirement until 70 I'll also have a Social Security bridge. Before retirement it is way more messy for my family to handle (absolutely zero investment knowledge or interest in the subject)
Search found 6336 matches
- Wed Mar 27, 2024 2:38 pm
- Forum: Personal Investments
- Topic: How do YOU integrate cognitive decline with investment policy?
- Replies: 20
- Views: 1449
- Wed Mar 27, 2024 12:44 pm
- Forum: US Chapters
- Topic: [Retiring] 42: The answer to everything with a lot of help from Bogleheads
- Replies: 9
- Views: 1104
Re: [Retiring] 42: The answer to everything with a lot of help from Bogleheads
Congratulations
You are not alone. I feel the same exact wayI am forever grateful. I came to this forum knowing very little (most of it wrong). The forum has given me the tools to sleep well at night
- Wed Mar 27, 2024 11:52 am
- Forum: Personal Finance (Not Investing)
- Topic: Take Social Security Now?
- Replies: 47
- Views: 2327
Re: Take Social Security Now?
Concerned about S/S being available in the future. I have heard that for 50 years. Don't be concerned it's easily fixable. It's a political problem not a mathematical problem to fix it. Given that SS benefits have already been reduced for a large percentage of us vs. what we were promised when we started contributing, why shouldn't we be concerned that something similar could happen again? It's not necessary to speculate on exactly when or how benefits could be reduced, but it's indisputable that they already have been. Reduced? Exactly how? SS offered full benefits at age 65, and benefits were not taxed at the federal level. As far as the age/ exact benefits you receive and future taxes, I would 100% be concerned/prepared for change But a...
- Wed Mar 27, 2024 11:22 am
- Forum: Personal Finance (Not Investing)
- Topic: Take Social Security Now?
- Replies: 47
- Views: 2327
Re: Take Social Security Now?
Concerned about S/S being available in the future. I have heard that for 50 years. Don't be concerned it's easily fixable. It's a political problem not a mathematical problem to fix it. Given that SS benefits have already been reduced for a large percentage of us vs. what we were promised when we started contributing, why shouldn't we be concerned that something similar could happen again? It's not necessary to speculate on exactly when or how benefits could be reduced, but it's indisputable that they already have been. I think the courts have ruled that SS is not a promise. I certainly never considered it as a promise. I agree legally it's not a promise but Social Security 1. Is the majority of income for a large percentage of people. Wha...
- Wed Mar 27, 2024 11:18 am
- Forum: Personal Finance (Not Investing)
- Topic: Take Social Security Now?
- Replies: 47
- Views: 2327
Re: Take Social Security Now?
Reduced? Exactly how?tibbitts wrote: ↑Wed Mar 27, 2024 10:55 amGiven that SS benefits have already been reduced for a large percentage of us vs. what we were promised when we started contributing, why shouldn't we be concerned that something similar could happen again? It's not necessary to speculate on exactly when or how benefits could be reduced, but it's indisputable that they already have been.Johm221122 wrote: ↑Wed Mar 27, 2024 10:31 amI have heard that for 50 years. Don't be concerned it's easily fixable. It's a political problem not a mathematical problem to fix it.
- Wed Mar 27, 2024 10:31 am
- Forum: Personal Finance (Not Investing)
- Topic: Take Social Security Now?
- Replies: 47
- Views: 2327
Re: Take Social Security Now?
I have heard that for 50 years. Don't be concerned it's easily fixable. It's a political problem not a mathematical problem to fix it.
- Tue Mar 26, 2024 3:21 pm
- Forum: Investing - Theory, News & General
- Topic: Looking for advice on unhappy experience in VG short term bond fund
- Replies: 66
- Views: 5551
Re: Looking for advice on unhappy experience in VG short term bond fund
Yes, I pretty sure you do see current market value on your screenBeensabu wrote: ↑Tue Mar 26, 2024 3:13 pmYikes. Well nevermind then. No brokered CDs if you can't stand seeing something go down in value temporarily.Johm221122 wrote: ↑Tue Mar 26, 2024 2:46 pmBut you do actually see it
viewtopic.php?f=10&t=427886&newpost=778 ... ead#unread
Can you see marked to market values for individual bond holdings as well?
- Tue Mar 26, 2024 2:46 pm
- Forum: Investing - Theory, News & General
- Topic: Looking for advice on unhappy experience in VG short term bond fund
- Replies: 66
- Views: 5551
- Tue Mar 26, 2024 1:22 pm
- Forum: Investing - Theory, News & General
- Topic: Viewing your portfolio vs viewing them as separate components
- Replies: 14
- Views: 1114
Re: Viewing your portfolio vs viewing them as separate components
One difference I have notice compare to some people is that I have a tendency to view the portfolio as a whole rather than as individual components. I have attempted to research each components on their own but in the end it's mostly to see if they would fit better in the portfolio that what I have and I rarely actually make changes in my retirement portfolio. When I look at my portfolio, I do look at the return of the entire portfolio, but I don't really care too much about the return of the individual asset pieces. This is becasue they are all index fund and their return is because of the market. When I invested in actively managed fund in the 90's, I had religiously track each fund comparing them to their peers to make sure I was in the...
- Mon Mar 25, 2024 11:13 am
- Forum: Investing - Theory, News & General
- Topic: 10% cash position excessive?
- Replies: 27
- Views: 2682
Re: 10% cash position excessive?
Your asset allocation depends on your specific situation. Only you can determine if this is excessive (or someone who had all your information and goals)
- Fri Mar 22, 2024 3:08 pm
- Forum: Personal Consumer Issues
- Topic: Walmart Plus Feels Like A Scam
- Replies: 53
- Views: 5979
Re: Walmart Plus Feels Like A Scam
I just put the .5 size bottle in my cartklneutral wrote: ↑Fri Mar 22, 2024 3:01 pmShipped by Walmart. An order of TheraTears (eye drops) that had no extra charge a few days ago now comes with the extra $6.99 charge.Johm221122 wrote: ↑Fri Mar 22, 2024 2:04 pm Was it shipped by Walmart or 3rd party. On 3rd party orders a fee will still apply if applicable
$8.99 and shipping is free
- Fri Mar 22, 2024 2:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do you assume legislative cuts in Social Security and other federal benefits?
- Replies: 49
- Views: 2123
Re: Do you assume legislative cuts in Social Security and other federal benefits?
I assume no cuts in my planning for Social Security or Medicare. Hopefully 8 years or less to retirement.
- Fri Mar 22, 2024 2:04 pm
- Forum: Personal Consumer Issues
- Topic: Walmart Plus Feels Like A Scam
- Replies: 53
- Views: 5979
Re: Walmart Plus Feels Like A Scam
Was it shipped by Walmart or 3rd party. On 3rd party orders a fee will still apply if applicable
- Fri Mar 22, 2024 11:59 am
- Forum: Personal Finance (Not Investing)
- Topic: Do you tip hotel staff when checking out?
- Replies: 145
- Views: 6916
Re: Do you tip hotel staff when checking out?
And that was in "72", those numbers have grownhudson wrote: ↑Fri Mar 22, 2024 11:55 amI was a bellhop in the summer of '72.lessismore22 wrote: ↑Thu Mar 21, 2024 5:37 pm Curious to hear thoughts on leaving cash for the hotel staff when you check out of a room. If you leave a tip, how do you determine how much? If not, why not?
The tips were much appreciated. Tips made up for low pay. I made $30-40 a night. My bartender buddies made over $100 a night. Since they were riding with me, I had to wait an extra non-paid hour, but I got free drinks.
I leave $10 in the room for one night; more for more nights.
How do I determine how much? I want to be a much better than average tipper.
What do I think about the tipping habits of others? It's like personal finance, it's personal. No judgement by me.
- Fri Mar 22, 2024 11:57 am
- Forum: Personal Finance (Not Investing)
- Topic: Do you tip hotel staff when checking out?
- Replies: 145
- Views: 6916
Re: Do you tip hotel staff when checking out?
I'm trying(depending on your definition of rich)jackholloway wrote: ↑Thu Mar 21, 2024 10:48 pm 3-5$ a night, cash, left in the room with a scrawled note. Always assuming I remembered to bring any actual cash with me.
One of my kin cleaned hotel rooms for a while. Nobody's getting rich working as a hotel housekeeper.
I've technically worked for the housekeeping department for almost 25 years. But I actually did about 3 positions on 3rd shift until the pandemic (housekeeping, maintenance, Bellman/valet).
They cut service after the pandemic and I'm doing second shift now (housekeeping). We used to have like 5 people but now I work 7 days a week and occasionally get help when it's busy
- Fri Mar 22, 2024 11:47 am
- Forum: Personal Finance (Not Investing)
- Topic: Do you tip hotel staff when checking out?
- Replies: 145
- Views: 6916
Re: Do you tip hotel staff when checking out?
Thank you for the question! What eye opening responses. In the past, I would rarely tip—not on principle, but because it was not top of mind and I almost never have cash. This thread has changed my mind. From now on I will carry 5s in my travel bag and leave one each day with a thank you note. I travel ~5 nights a month on average, so that’s $300 a year. I can afford it and don’t want to be a jerk. We are starting to implement a system of doing it electronically. If you actually want to tip the housekeeper I suggest using the electronic method if available The housekeepers don't actually get all the cash tips. The person who strips the room of linen and trash or the supervisor could get the tip before the housekeeper gets to the room. The ...
- Fri Mar 22, 2024 11:41 am
- Forum: Personal Finance (Not Investing)
- Topic: Do you tip hotel staff when checking out?
- Replies: 145
- Views: 6916
Re: Do you tip hotel staff when checking out?
Actually where I work it would generally go to person stripping the room (linen and trash) or supervisor in most cases. Housekeepers take 30 minutes a room and we need to process that linen and can't wait for housekeeper to finish 16 rooms.H-Town wrote: ↑Thu Mar 21, 2024 5:53 pmNo.lessismore22 wrote: ↑Thu Mar 21, 2024 5:37 pm Curious to hear thoughts on leaving cash for the hotel staff when you check out of a room. If you leave a tip, how do you determine how much? If not, why not?
Do you know who you leave the tip to? Is it the person who cleaned your room before you check-in? Or the person who will clean the room for the next person checking in?
- Wed Mar 20, 2024 8:05 pm
- Forum: Investing - Theory, News & General
- Topic: Purchasing MYGAs (multi year guaranteed annuities) - mega thread
- Replies: 2251
- Views: 292690
- Wed Mar 20, 2024 2:29 pm
- Forum: Investing - Theory, News & General
- Topic: Dangers of excessive optimism?
- Replies: 86
- Views: 6676
Re: Dangers of excessive optimism?
Of course you mean Large cap US stocks.
Because international, emerging markets and small caps don't feel unstoppable.
Because international, emerging markets and small caps don't feel unstoppable.
- Tue Mar 19, 2024 3:21 pm
- Forum: Personal Consumer Issues
- Topic: What are you listening to now
- Replies: 5832
- Views: 590186
Re: What are you listening to now
Just listen to the "In The Dark" album by the grateful Dead.
Forgot how much I liked the song "Throwing Stones "
Forgot how much I liked the song "Throwing Stones "
- Sun Mar 17, 2024 10:20 am
- Forum: Personal Consumer Issues
- Topic: Need Help Finding a Hobby
- Replies: 76
- Views: 6391
Re: Need Help Finding a Hobby
I just use the search featureKlangFool wrote: ↑Sun Mar 17, 2024 2:46 amCould you please recommend a YouTube channel for this?Johm221122 wrote: ↑Thu Mar 14, 2024 1:13 pm Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
Thanks in advance!!
KlangFool
I typed in for example"Warren zevon full album Excitable Boy"
- Sat Mar 16, 2024 11:27 am
- Forum: Personal Finance (Not Investing)
- Topic: Dollar Cost Averaging
- Replies: 18
- Views: 1633
Re: Dollar Cost Averaging
Lump sum investing usually beats dollar cost averaging.
But I don't have a choice because I periodically invest in my 401k as I get paid. I don't have a lump sum that isn't already invested. As far as my Roth, I save all year and lump sum in January only because of the rules.
- Thu Mar 14, 2024 2:33 pm
- Forum: Investing - Theory, News & General
- Topic: 5M, probably enough to retire to a frugal lifestyle
- Replies: 180
- Views: 15687
Re: 5M, probably enough to retire to a frugal lifestyle
I say take the 5 million and move(I couldn't read article).
- Thu Mar 14, 2024 1:44 pm
- Forum: Personal Consumer Issues
- Topic: Need Help Finding a Hobby
- Replies: 76
- Views: 6391
Re: Need Help Finding a Hobby
Angel of Empire wrote: ↑Thu Mar 14, 2024 1:30 pmI started doing this around 6 months ago, missing only a handful of days. I listen with headphones, undisturbed and you're correct- it's very enjoyable.Johm221122 wrote: ↑Thu Mar 14, 2024 1:13 pm Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
Today's album selection was The Grand Illusion by Styx, 1977.
Tonight I'm listening to Excitable Boy
- Thu Mar 14, 2024 1:17 pm
- Forum: Personal Investments
- Topic: Cash or CD's Instead of Bond Funds
- Replies: 61
- Views: 5678
Re: Cash or CD's Instead of Bond Funds
Not in lieu of but as a liability matching portfolio
This recent post may help you(why cash is a terrible long-term investment )
viewtopic.php?t=411917
This recent post may help you(why cash is a terrible long-term investment )
viewtopic.php?t=411917
- Thu Mar 14, 2024 1:13 pm
- Forum: Personal Consumer Issues
- Topic: Need Help Finding a Hobby
- Replies: 76
- Views: 6391
Re: Need Help Finding a Hobby
Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
- Wed Mar 13, 2024 2:34 pm
- Forum: Investing - Theory, News & General
- Topic: Purchasing MYGAs (multi year guaranteed annuities) - mega thread
- Replies: 2251
- Views: 292690
Re: MYGA
This is the master thread for MYGA
viewtopic.php?t=334589
viewtopic.php?t=334589
- Wed Mar 13, 2024 10:03 am
- Forum: Investing - Theory, News & General
- Topic: Index Investing Basics - Revisited
- Replies: 133
- Views: 9518
Re: Index Investing Basics - Revsited
We can't tell you what else you should diversify into because we don't know the future
I haven't changed My stock allocation much in the last 20 years. I'm going to try and stick to it the rest of my life. I have and will adjust my fixed income.
My stock allocation is 50% S&P 500,25% extended market index,25% international (I keep international close to 50/50 large and small caps)
I haven't changed My stock allocation much in the last 20 years. I'm going to try and stick to it the rest of my life. I have and will adjust my fixed income.
My stock allocation is 50% S&P 500,25% extended market index,25% international (I keep international close to 50/50 large and small caps)
- Mon Mar 11, 2024 9:47 am
- Forum: Personal Investments
- Topic: The classic dilemma between income and growth... Where should I be?
- Replies: 40
- Views: 2444
Re: The classic dilemma between income and growth... Where should I be?
Please share your source. What ACA calculator are you using?
- Sat Mar 09, 2024 2:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: At what point did you prioritize health over money?
- Replies: 65
- Views: 8591
Re: At what point did you prioritize health over money?
And that is one side of my dilemma
The other side is I eat healthy, exercise and my doctor during last physical called me boring. The doctor said maybe except loose 20 pounds I'm extremely healthy.
I think statistically I have a long way to go and being forced to be a minimalist would be different than choosing to be a minimalist for many decades. I think having the choice to spend more is very important to my piece of mind even if I don't actually spend it.
- Sat Mar 09, 2024 1:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: At what point did you prioritize health over money?
- Replies: 65
- Views: 8591
Re: At what point did you prioritize health over money?
I'm debating this daily I am median income and live a very minimalist lifestyle and I'm power saving for a retirement that would probably be on the higher side of spending for my current income. I should reach this by 62/63. But to be honest this minimalist lifestyle and say retireing next year at 55 and using the rule of 55 has a lot of appeal. I'm just afraid of being in 70's and having regrets. I will play it day by day and see what happens. But at this point in life I see working as stealing my time. I don't hate my job but I feel my time is real important and hate waisting it at work hit a specific point where they decided that no amount of extra $$ was worth I haven't gotten to this point yet. But it may come sooner rather than later.
- Sat Mar 09, 2024 11:40 am
- Forum: Personal Investments
- Topic: Should bond index funds still be part of our asset allocation?
- Replies: 16
- Views: 1515
Re: Should bond index funds still be part of our asset allocation?
Bogleheads wisdom would 100% depend on your specific situation. Investing choices are very dependent on individual circumstancesStactim wrote: ↑Sat Mar 09, 2024 11:25 am Hi All,
Is the Boglehead conventional wisdom still to have bond index funds as part of our asset allocation?
Been seeing a lot of negativity lately regarding bond index funds and how volatility is not that much less than stock index funds.
Just wanted to take others temperature on this.
Thanks!
- Sat Mar 09, 2024 11:25 am
- Forum: Investing - Theory, News & General
- Topic: Why is Vanguard so bullish on international exposure in their all-in-one funds?
- Replies: 77
- Views: 6889
Re: Why is Vanguard so bullish on international exposure in their all-in-one funds?
Long-term investors who followed Jack’s advice read comments like this and laugh all the way to the bank. BTW, good job picking a starting point that best illustrates your view. Show us 1968 - 1989 or 2000 - 2007 next time. Most of us weren’t investing in the 1960’s. What occurs during our investment lifetime is all that matters. And the graph that I showed includes 2000-2007. I chose 1994 as the starting point for a reason—that was when Jack published his first book and gave his advice. If I wanted to best illustrate my view I’d go back a little further to 1988. Notice that even bonds have outperformed international stocks over the past 36 years. That is an investment lifetime for many people. https://i.postimg.cc/KvmMjvRT/IMG-8516.jpg I ...
- Thu Mar 07, 2024 1:51 pm
- Forum: Investing - Theory, News & General
- Topic: International (Non-US) versus US Equities (The "Arguments")
- Replies: 5351
- Views: 902747
Re: Half US half international okay?
[Thread merged into here --admin LadyGeek] Is it fine to go half US half International or should I go all US stocks? I don’t really have any home country bias but it seems as though top investors like Buffet and even Bogle did not/do not hold international stocks. I’m not the type to try and copy all the top headlines I see, but I see a lot of news saying how US companies provide global diversification by having revenues from multiple other countries. The 2 funds I am considering are FZROX and FZILX. Thoughts? Buffet doesn't hold international stocks? You may want to double check that. He has invested in Japan very recently I should have clarified - I meant that his advice that he gives in media is generally against international investing...
- Thu Mar 07, 2024 12:39 pm
- Forum: Investing - Theory, News & General
- Topic: International (Non-US) versus US Equities (The "Arguments")
- Replies: 5351
- Views: 902747
Re: Half US half international okay?
[Thread merged into here --admin LadyGeek] Is it fine to go half US half International or should I go all US stocks? I don’t really have any home country bias but it seems as though top investors like Buffet and even Bogle did not/do not hold international stocks. I’m not the type to try and copy all the top headlines I see, but I see a lot of news saying how US companies provide global diversification by having revenues from multiple other countries. The 2 funds I am considering are FZROX and FZILX. Thoughts? Buffet doesn't hold international stocks? You may want to double check that. He has invested in Japan very recently I should have clarified - I meant that his advice that he gives in media is generally against international investing...
- Thu Mar 07, 2024 10:40 am
- Forum: Investing - Theory, News & General
- Topic: International (Non-US) versus US Equities (The "Arguments")
- Replies: 5351
- Views: 902747
Re: Half US half international okay?
Buffet doesn't hold international stocks? You may want to double check that. He has invested in Japan very recentlyjspa2026 wrote: ↑Wed Mar 06, 2024 7:42 pm [Thread merged into here --admin LadyGeek]
Is it fine to go half US half International or should I go all US stocks? I don’t really have any home country bias but it seems as though top investors like Buffet and even Bogle did not/do not hold international stocks. I’m not the type to try and copy all the top headlines I see, but I see a lot of news saying how US companies provide global diversification by having revenues from multiple other countries. The 2 funds I am considering are FZROX and FZILX. Thoughts?
- Wed Mar 06, 2024 11:32 am
- Forum: Personal Finance (Not Investing)
- Topic: When have you stopped saving for retirement?
- Replies: 40
- Views: 4005
Re: When have you stopped saving for retirement?
From 2016 to 2019, I only saved 5% in 401k. From 1999 until then I saved 25% or more. Family responsibilities became expensive and I was only one with income. I also spent about 50k of savings from taxable.
Did it cost me? Of course but you and your family only live once. Not one regret but I'm now power saving for retirement. Last year 50% and the year before 40%.
Did it cost me? Of course but you and your family only live once. Not one regret but I'm now power saving for retirement. Last year 50% and the year before 40%.
- Mon Mar 04, 2024 11:38 am
- Forum: Investing - Theory, News & General
- Topic: What good is tax deferred?
- Replies: 122
- Views: 15661
Re: What good is tax deferred?
I'm the exact person your describing. Yes in the best senerios I will pay more taxes on some of my contributions.But if the market doesn't perform well or for some reason I don't reach my goal traditional will be better. I'd rather pay a little more taxes in best case senerio then come up short in less than best case senerio.
The problem with the descion is I don't know market returns over next few years, my companies plans, my health or my continued desire to work for money anymore (I really value my time over money)
- Mon Mar 04, 2024 11:27 am
- Forum: Investing - Theory, News & General
- Topic: Aggressive savers: Reduce stocks % the closer you are to your target numbers?
- Replies: 32
- Views: 3662
- Mon Mar 04, 2024 8:54 am
- Forum: Investing - Theory, News & General
- Topic: The empire strikes back…or at least attempts to [Passive investing]
- Replies: 26
- Views: 4183
Re: The empire strikes back…or at least attempts to
Problem is "Baby Booomers" in general don't own the majority of the stock market. Very wealthy people and institutions do. Nothing changes by baby boomers retiring, the wealthiest don't need to sell every month to put food on the table.
baby boomers retire and sell in the same proportion that they are buying today.
- Fri Mar 01, 2024 10:09 pm
- Forum: Personal Consumer Issues
- Topic: Flea Remedies That Have Worked for You?
- Replies: 40
- Views: 3365
Re: Flea Remedies That Have Worked for You?
https://www.google.com/shopping/product ... 44293,cs:1ruanddu wrote: ↑Fri Mar 01, 2024 9:30 pmThank you. Can you please let me know which one you are using?Johm221122 wrote: ↑Fri Mar 01, 2024 1:39 pm I use dome flea traps. They work for me. They are natural and very cheap. I use water instead of the sticky pads
- Fri Mar 01, 2024 3:34 pm
- Forum: Personal Investments
- Topic: SS Delay Bridge - But how?
- Replies: 21
- Views: 2241
- Fri Mar 01, 2024 3:14 pm
- Forum: Personal Investments
- Topic: SS Delay Bridge - But how?
- Replies: 21
- Views: 2241
Re: SS Delay Bridge - But how?
Here is a post about term certain annuities which is another option for SS bridge
viewtopic.php?t=418086
viewtopic.php?t=418086
- Fri Mar 01, 2024 2:57 pm
- Forum: Personal Investments
- Topic: SS Delay Bridge - But how?
- Replies: 21
- Views: 2241
Re: SS Delay Bridge - But how?
I have thought about MYGAs and may consider using some type of annuity in addition to the SS bridge but for a more comprehensive and longer term addition to my retirement plan. To be honest I am still working to understand annuities in general with all the options and costs. Right now I don't have the understanding that I would need to purchase one. But I am working on it. For a SS bridge (with a fixed time frame) I have read that US treasuries a good fit. Not that a MYGA could not fit as well. My understanding is that whatever is used to fund the bridge that it is as least risky as possible. Can you tell me why a MYGA would be better than TIPS or non-TIPS US bonds for a 5 year SS bridge? There is no cost with MYGA'S or a Term certain annu...
- Fri Mar 01, 2024 1:39 pm
- Forum: Personal Consumer Issues
- Topic: Flea Remedies That Have Worked for You?
- Replies: 40
- Views: 3365
Re: Flea Remedies That Have Worked for You?
I use dome flea traps. They work for me. They are natural and very cheap. I use water instead of the sticky pads
- Fri Mar 01, 2024 1:10 am
- Forum: Investing - Theory, News & General
- Topic: Are there any special circumstances in which you'd sell or stop DCA-ing?
- Replies: 25
- Views: 2310
Re: Are there any special circumstances in which you'd sell or stop DCA-ing?
I would never DCA(dollar cost average)
If you mean periodically invest,yes when I had specific family obligations (I did get matching money). I will change my asset allocation when I get closer to my goal but not my contributions to my portfolio
If you mean periodically invest,yes when I had specific family obligations (I did get matching money). I will change my asset allocation when I get closer to my goal but not my contributions to my portfolio
- Thu Feb 29, 2024 2:09 pm
- Forum: Personal Investments
- Topic: S&P 500 Index versus other options
- Replies: 7
- Views: 1021
Re: S&P 500 Index versus other options
I agree with your advisor friend, add small cap stocks. Use total stock market along with international and fixed income.
- Thu Feb 29, 2024 1:15 am
- Forum: Investing - Theory, News & General
- Topic: What good is tax deferred?
- Replies: 122
- Views: 15661
Re: What good is tax deferred?
Why did you wait so long to retire? You could have had taken advantage of many low tax years before Social Security.
The problem isn't the tax deferred savings, the problem is you worked to long.
The problem isn't the tax deferred savings, the problem is you worked to long.
- Wed Feb 28, 2024 3:38 pm
- Forum: Investing - Theory, News & General
- Topic: Do cap-weighted funds strictly align with BH philosophy?
- Replies: 118
- Views: 9117
Re: Do cap-weighted funds strictly align with BH philosophy?
I buy index funds to match the return of the index not because of Bogleheads Philosophy. My only goal is to match the return of the appropriate index I buy.
I hold Large cap US, Extended market US and international indexes.
I do hold small cap international in an active fund but that was because it was more easily available decades ago. I hate to change things because I have a terrible track record with changes
I hold Large cap US, Extended market US and international indexes.
I do hold small cap international in an active fund but that was because it was more easily available decades ago. I hate to change things because I have a terrible track record with changes
- Tue Feb 27, 2024 10:48 pm
- Forum: Personal Investments
- Topic: Balance funds - what are the good ones?
- Replies: 18
- Views: 3153
Re: Balance funds - what are the good ones?
Vanguard tax managed balanced fund would be tax efficient