Bogleheads.org

ebeard

My Investment Policy Statement tells me what to do. Not only in times of volatility but also anytime. Here's our IPS which I'm sure I borrowed from someone else and then tweaked it over the years. Investment Policy Statement Investment Philosophy: "Buy-and-hold, long-term, all-market-index stra...

ebeard

Mutual fund investing and advice is being live-streamed in China. Think it will happen here in the US?

Inside the cutthroat world of China mutual fund live-streaming

https://www.bloomberg.com/news/article ... estreaming

ebeard

Repair costs for variable speed fans are 2x more than single speed fans. Case in point, we had to have one of our Jacksonville FL home air handlers repaired last month. Trane unit with original motor installed 2005. OEM fan motor was $1,300 vs single speed fan $700. Not sure how this will affect ove...

ebeard

My dad retired at 52, is now 76. He stays busy with hobbies. Works on lawn mowers. Work does not equate to being productive (for me). I think the key is to focus on your health and family and hobbies. So much decline happens from 50 to 70. Eat mostly plants and get plenty of exercise and maintain a...

ebeard

Hi WildBill, I'm 51 and I retired at 47. My wife, 51, retired 2 years later at 49. Well, I should say semi-retired. I teach about 1 week a month for a semiconductor training company and my wife inspects medical facilities about 8 days a month. I was trepidatious about retiring also. Then I decided I...

ebeard

Check https://electrek.co/

They review bikes all the time and do a nice job.

ebeard

1. None
2. 0%
3. Jack Bogle said own the whole market, so, I own the whole market.

ebeard

YouTube Premium. I hate commercials and I browse YouTube quite a bit. If you buy the family version for $17.99/month you can share with 5 other people. It really is a game changer. Before I would weigh if I really wanted to watch a 2 minute video if I new there was going to be a 15 second ad. Now, w...

ebeard

Let me add on to this question and ask what company do you use for internet? What is your bandwidth? How much do you pay? I have Comcast (xfinity) 220 useless channels of TV and 150 Mbps all in at $164.01 in zip code 30120 It looks like Internet only from comcast is $50/month add YouTube TV at anoth...

ebeard

An Inspector Calls - https://www.amazon.com/Inspector-Calls- ... B07CHQBF2R

Lot’s of twists and turns

ebeard

I use sheets and think it works well. I wouldn’t say I’m a power user but do use pivot tables and the financial functions to lookup stats on mutual funds like price, expense ratio and so forth. Very handy.

ebeard

I think what @Brianmcg321 is inferring is typical Bogleheads buy and hold a set of core funds (2 or 3) and do not buy and sell to time the market. Jack Bogle was a notorious critic of ETFs because of their “easiness” of being traded and susceptible to behavioral investing.

ebeard

Day9 wrote: ↑Thu Jun 06, 2019 12:20 pm Thank you very much Mr Larimore.

I just found this 12 year old thread from the old forum and would like to share it:
Taylor...where did you serve in World War II?

Very powerful. Thank you, Taylor.

ebeard

Just curious if the OP bought the short-term or ACA plan? My wife and I are making the same decision so it would be nice to know the outcome.

ebeard

I use high compute software (for FPGA design, Xilinx Vivado) and the VM was not the correct solution for me. Probably just fine for Word or other office apps. Using bootcamp would be a good solution for me but decided to get a Lenovo Carbon X1 laptop from Costco.

ebeard

EBay is the cheapest place. Buy the license from decommissioned computers for $25.

ebeard

You are not alone. Make an investing policy statement. https://www.bogleheads.org/wiki/Investment_policy_statement And stick to it. It took me a month to make mine, and I talked it over with my partner extensively. Pulled the trigger on it. Now I spend about 2 hours on my finances per year, rebalan...

ebeard

Mr. Bogle made a difference in our lives. He made a difference in my life. Rest In Peace and condolences to the Bogle family.

ebeard

I use mint.com for categorizing my spending and income. One of the features it lacks is the ability to filter by date. Or so I thought... It is actually possible to filter by date but there is no interface . You can hack the url and insert start and stop dates. Here's how: How to add date filters: &...

ebeard

2,700

ebeard

Our AA is 70:30. I’m 49 and SO is 50 and we are retired. Last night I noticed our AA was 63:35 so I sold Total Bond and bought Total Stock in an IRA account to bring AA back to norm. No trucks just normal Activity. No emotion just handling business. An Investment policy statement (IPS) is a Wonderfu...

ebeard

I retired 2 years ago at 47 and my wife last year at 49. We still have side gigs for about 1 week per month so I guess we are really 75% retired. The days go so quick. We look at each other every night and think where did the day go? We are active and workout most days. We spend 30-40% of the year t...

ebeard

Never had a budget except for big ticket items. More rules of thumb. 1. Always pay cash for cars or other things that depreciate. 2. No more than 25% of gross income on housing. 3. Who cares what we spend at the grocery store. Many times cheaper than eating out. Healthier too! 4. Always pay for vaca...

ebeard

Thanks for all of the great input.

ebeard

sergeant wrote: ↑Mon Jul 16, 2018 1:49 pm Are they good neighbors? That would be more important to me than trying to max your financial gain on the deal.

They are GREAT neighbors!

ebeard

But I also won't have to pay for repairs and HOA fees once it is sold. Or property taxes. Or other maintenance. You aren't netting $3k/month on the unit, right? No. My revenue is 3k per month. There is still property taxes of $500/month and HOA of $650/month. Not to mention repairs and so forth. Th...

ebeard

I'm not an expert on real estate taxation. A couple things come to mind. Lots of times a dollar today is better than a dollar next year. What happens if these folks change their mind about buying, etc? That uncertainty should be balanced by an uncertain return, 7% is not guaranteed. What's your tax...

ebeard

What's property actually worth today? Might it go up or down between now and 2020? If property goes down then tenant might not buy it. I think the property is worth $560k today and I was hedging it's future value by renting at a higher than normal rate. If it goes up then I collect $118k in rent be...

ebeard

pshonore wrote: ↑Mon Jul 16, 2018 11:22 am You have been claiming depreciation on the rental, correct? That portion will likely not be taxed at CG rates.

Good Point!

ebeard

Hi Bogleheads, My wife and I live in a 4 unit condo in NE Florida and we own 2 of the units. My wife and I live in one and we rent the other out. When we signed the lease the renter wanted the option to buy in 3 years so we negotiated a price. Rent is $3k/month and the selling price in 2020 is $560k...

ebeard

We did! However, the cost of our celebration brought us back under $1,000,000.00

ebeard

Hi, My wife and I went February 2017 and will be returning September this year. This is a great city! We enjoyed these restaurants: http://www.lazucca.it/en http://www.dalmorosfreshpastatogo.com We stayed at the JW Marriott which is on it's own island, away from the hustle of Venice. There are free ...

ebeard

According to:

https://www.portfoliovisualizer.com/ass ... ingDays=90

about 98% correlation.

ebeard

Hulu Live is $40/month

ebeard

Mr. Bogle, I retired last year at 47 and my wife will retire this year at 49. I'm so glad I picked up you book on Mutual funds on a whim in Barnes and Noble in my 20s. Why are some people long term investors and others spend thrifts? My sister can't spend money fast enough while my wife and I have a...

ebeard

Using Allstate's cash vs finance calculator: https://www.allstate.com/tools-and-resources/car-insurance/financing-a-car-vs-paying-cash-calculator.aspx I set the price at 100k with a 10k downpayment. Looking back at my Vanguard past performance I have returned about 7.5% so I set saving rate to this....

ebeard

The truth. You: "Hi __________, I'm calling to close the account #______________." Them: "Ok. Why?" You: "The account fulfilled all of my needs and now I'm closing it." Them: "Was there anything wrong?" You: "No. The account performed exactly as advertise...

ebeard

If anything, the ACA made it easier for me to retire at a relatively young age, 47. Since its inception I have paid $250-400/month for insurance. The annual increases have been in the 20% range, which sucks, but I have been eligible for subsidies since I live off my portfolio, and I have been able ...

ebeard

There are examples of doing this problem with a fixed asset allocation, FireCalc being an example of such. In that model you set a planned amount of spending, assume a certain starting portfolio value, specify an asset allocation, specify a length of time to endpoint, and the output is the chance o...

ebeard

As the OP indicated using a SWR 4% from $700k to pay the premiums and deductible, could this amount not be used for self-insuring? If not what would be a reasonable amount for self-insuring?

ebeard

If there is any way to minimize your other taxable income this year that might put you in the 15% tax bracket where the long term capital gains tax rate is 0% Nope - we will be in the high 200's this year. Not complaining that is for sure. Thanks! Also, please correct me if I'm wrong, but doesn't c...

ebeard

New York Times
Texture app which has over 100 magazines

Both I really enjoy because once the apps sync I can read them off line.

ebeard

Competition is a good thing. In Europe other companies have been able to produce the pods based on some license deal that Nespresso opposed and has so far avoided in the US. More competition, lower prices. Who knew? There are cheaper U.S. knockoffs now - https://www.hilinecoffee.com/ https://www.go...

ebeard

I'm new here My question is how are you able retire early (be financially independent) before 59.5 if most investments are tied up in IRAs, roths, 401K? I'm young (28) and planning ahead. Both my husband (31) and I want to aim for "retirement" by 45ish. We both will likely still work -- j...

ebeard

Why not invest in Vice and use the extra return to donate to virtue? RobinHoodish but wouldn't it get the same job done?

ebeard

Thanks for sharing. I'm 48 and retired last year. My wife is still working and I have some of the same concerns. One thing that helped me was using our Vanguard Flagship status to have a CFP review our assets and produce a report regarding fitness to retire. It took about a week and their results co...

ebeard

There was another post recently where the 3 funds were graphed together and I was shocked.

ebeard

I hate cord cutters. How do you think the networks pay for the shows they make? By charging the cable companies a fee to carry their channels. Networks like ABC, NBC, CBS, etc. make money through advertisements. By some accounts their gross margins are 36-89%. see: http://csimarket.com/Industry/ind...

ebeard

I know a lot of people use password managers, but I for one am glad I do not. If a hacker can get into a password manager, then that's pretty much all your accounts. I feel comfortable using LastPass with a sufficiently complicated master password and 2 factor authentication. This means I must pres...

ebeard

As with most things I guess this depends on where you are in the investment life cycle, accumulation or distribution. My wife and I like to keep 6 months of cash (about 2%) in a money market while still working and accumulating. This phase of our life is ending soon and so we are moving to a 1 year ...

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