Search found 189 matches

by ebeard
Fri Jan 15, 2021 4:29 pm
Forum: Personal Investments
Topic: How do you maintain discipline during Volatility?
Replies: 52
Views: 2560

Re: How do you maintain discipline during Volatility?

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...
by ebeard
Fri Dec 18, 2020 3:03 pm
Forum: Investing - Theory, News & General
Topic: Live-streaming by Bogle
Replies: 1
Views: 185

Live-streaming by Bogle

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
by ebeard
Wed Jul 29, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Variable Speed HVACs
Replies: 31
Views: 2240

Re: Variable Speed HVACs

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...
by ebeard
Fri Jun 05, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Productivity as an older adult
Replies: 13
Views: 1387

Re: Productivity as an older adult

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...
by ebeard
Fri Jun 05, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: Productivity as an older adult
Replies: 13
Views: 1387

Re: Productivity as an older adult

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...
by ebeard
Wed Jun 03, 2020 9:10 pm
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 118
Views: 9126

Re: E-Bike recommendations

Check https://electrek.co/

They review bikes all the time and do a nice job.
by ebeard
Wed May 27, 2020 8:44 am
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 4441

Re: Bogleheads: What is your largest single stock holding? (if any)

1. None
2. 0%
3. Jack Bogle said own the whole market, so, I own the whole market.
by ebeard
Tue May 26, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19783

Re: Pandemic buys that have improved quality of life?

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...
by ebeard
Tue May 26, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 8099

Re: does anyone have a subscription to youtube tv?

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...
by ebeard
Sat Mar 14, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Google sheets vs Excel; end of life Office 2010
Replies: 37
Views: 2489

Re: Google sheets vs Excel; end of life Office 2010

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.
by ebeard
Sat Feb 15, 2020 9:13 am
Forum: Personal Investments
Topic: [Advantages of Admiral Funds vs. ETF?]
Replies: 11
Views: 806

Re: [Advantages of Admiral Funds vs. ETF?]

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.
by ebeard
Sun Jun 09, 2019 6:31 am
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 7011

Re: Thank you, Taylor Larimore!

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.
by ebeard
Fri Apr 12, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: short-term health insurance vs ACA - 2019 [edition]
Replies: 22
Views: 1806

Re: short-term health insurance vs ACA - 2019 [edition]

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.
by ebeard
Wed Apr 03, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Windows 10 on Macbookpro
Replies: 6
Views: 560

Re: Windows 10 on Macbookpro

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.
by ebeard
Thu Mar 28, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 11281

Re: Best place to buy Microsoft Office 2019....

EBay is the cheapest place. Buy the license from decommissioned computers for $25.
by ebeard
Wed Mar 20, 2019 2:45 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 12050

Re: How to get over a $25K stock market loss?

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...
by ebeard
Wed Jan 16, 2019 9:53 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 62842

Re: John Bogle is dead at 89

Mr. Bogle made a difference in our lives. He made a difference in my life. Rest In Peace and condolences to the Bogle family.
by ebeard
Wed Jan 02, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Mint date filters
Replies: 2
Views: 272

Mint date filters

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: &...
by ebeard
Thu Oct 25, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 10615

Re: When will you backup the truck on stocks

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...
by ebeard
Tue Jul 17, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 162
Views: 21752

Re: Early retirement

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...
by ebeard
Tue Jul 17, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 9204

Re: Anyone not have a Budget?

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...
by ebeard
Tue Jul 17, 2018 1:26 pm
Forum: Personal Investments
Topic: Help me analyze this real estate sale
Replies: 15
Views: 1236

Re: Help me analyze this real estate sale

Thanks for all of the great input.
by ebeard
Mon Jul 16, 2018 2:01 pm
Forum: Personal Investments
Topic: Help me analyze this real estate sale
Replies: 15
Views: 1236

Re: Help me analyze this real estate sale

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!
by ebeard
Mon Jul 16, 2018 2:00 pm
Forum: Personal Investments
Topic: Help me analyze this real estate sale
Replies: 15
Views: 1236

Re: Help me analyze this real estate sale

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...
by ebeard
Mon Jul 16, 2018 1:24 pm
Forum: Personal Investments
Topic: Help me analyze this real estate sale
Replies: 15
Views: 1236

Re: Help me analyze this real estate sale

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...
by ebeard
Mon Jul 16, 2018 1:20 pm
Forum: Personal Investments
Topic: Help me analyze this real estate sale
Replies: 15
Views: 1236

Re: Help me analyze this real estate sale

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...
by ebeard
Mon Jul 16, 2018 1:18 pm
Forum: Personal Investments
Topic: Help me analyze this real estate sale
Replies: 15
Views: 1236

Re: Help me analyze this real estate sale

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!
by ebeard
Mon Jul 16, 2018 11:04 am
Forum: Personal Investments
Topic: Help me analyze this real estate sale
Replies: 15
Views: 1236

Help me analyze this real estate sale

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...
by ebeard
Wed Jun 27, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 282
Views: 34209

Re: Did you celebrate when you finally hit $1m?

We did! However, the cost of our celebration brought us back under $1,000,000.00 :D
by ebeard
Fri Mar 30, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Venice Suggestions
Replies: 14
Views: 1481

Re: Venice Suggestions

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 ...
by ebeard
Mon Jan 22, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 4568

Re: Cutting cable

Hulu Live is $40/month
by ebeard
Mon Sep 18, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 53
Views: 17133

Re: Q&A WITH JACK BOGLE - Got a Question for Jack?

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...
by ebeard
Sat Jul 08, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Car Finance 1.49% a Good Rate?
Replies: 40
Views: 5595

Re: Car Finance 1.49% a Good Rate?

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....
by ebeard
Wed Jun 21, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 7869

Re: What do you say when you cancel an account that you only opened for bonus?

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...
by ebeard
Wed Jun 21, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 237
Views: 41332

Re: Early Retirement - what to do about healthcare?

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 ...
by ebeard
Wed Jun 21, 2017 7:35 am
Forum: Investing - Theory, News & General
Topic: What do BH think of this formula for an early retiree?
Replies: 26
Views: 5201

Re: What do BH think of this formula for an early retiree?

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...
by ebeard
Wed Jun 21, 2017 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 237
Views: 41332

Re: Early Retirement - what to do about healthcare?

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?
by ebeard
Fri May 12, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help me reduce my capital gain from a condo I just sold...
Replies: 29
Views: 3343

Re: Help me reduce my capital gain from a condo I just sold...

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...
by ebeard
Thu May 11, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 10051

Re: What newspaper or magazine do you pay for?

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.
by ebeard
Sun Apr 02, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 39
Views: 7622

Re: Nespresso capsules

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...
by ebeard
Sat Mar 04, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early??? Possible?
Replies: 16
Views: 2885

Re: How to retire early??? Possible?

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...
by ebeard
Fri Mar 03, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: Vice outperforms virtue
Replies: 8
Views: 1932

Re: Vice outperforms virtue

Why not invest in Vice and use the extra return to donate to virtue? RobinHoodish but wouldn't it get the same job done?
by ebeard
Wed Mar 01, 2017 9:26 pm
Forum: Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 22017

Re: Possibly Financially Independent and Feeling Miserable

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...
by ebeard
Wed Mar 01, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: Three-Fund Portfolio Question?
Replies: 9
Views: 2102

Re: Three-Fund Portfolio Question?

There was another post recently where the 3 funds were graphed together and I was shocked.
by ebeard
Wed Mar 01, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: New YouTube TV Service $35 per month
Replies: 43
Views: 6556

Re: New YouTube TV Service $35 per month

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...
by ebeard
Fri Feb 17, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 36
Views: 8462

Re: The russians are hacking me

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...
by ebeard
Sat Feb 11, 2017 10:29 am
Forum: Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 113
Views: 19348

Re: How Much Cash Do You Actually Hold?

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 ...