Search found 367 matches

by Pinotage
Sat Aug 01, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Unmotivated daughter and son in law.
Replies: 115
Views: 9415

Re: Unmotivated daughter and son in law.

Since the OP has requested a deletion and the thread will likely be closed, a related question: In cases like this, where the adult child is described as not great with money, why the responses to offer no support for the adult child, but place a high value on support for the grandchild? The grandch...
by Pinotage
Mon Jul 20, 2020 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring from a career in tech
Replies: 104
Views: 10618

Re: Retiring from a career in tech

Respectfully ask that the H1B side discussion move to a separate thread, or continue via PM.

The original theme of this thread regarding tech retirement/downshifting when working in a gunners-only environment is interesting and appreciate the on-topic posts.
by Pinotage
Tue Jun 30, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: My next move: 1 M in gold and 1 M in Zoom
Replies: 75
Views: 3918

Re: My next move: 1 M in gold and 1 M in Zoom

Wow.

I'm not even sure which rails this is off of, but OK!
by Pinotage
Sun Jun 28, 2020 12:55 pm
Forum: Personal Investments
Topic: Is it wise to store emergency funds in Vanguard settlement fund?
Replies: 8
Views: 978

Re: Is it wise to store emergency funds in Vanguard settlement fund?

Agree with other posters that your settlement fund is a perfectly safe place to store emergency funds. Now, whether or not it is wise is perhaps another question. In addition to earning more interest elsewhere, we've purposefully chosen not to use the settlement fund for a few other reasons: - Make ...
by Pinotage
Wed Jun 24, 2020 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Merit increase: lump sum bonus vs additional PTO?
Replies: 22
Views: 1168

Re: Merit increase: lump sum bonus vs additional PTO?

Bonus, hands down. I guess I'm at the top of my pay grade, so I can't just get a salary increase like usual. Assuming you're in the private sector, that's not a thing. You just need more leverage to get an increase. Disagree with the above. This is very much a thing. Virtually every position in an ...
by Pinotage
Wed Jun 24, 2020 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Merit increase: lump sum bonus vs additional PTO?
Replies: 22
Views: 1168

Re: Merit increase: lump sum bonus vs additional PTO?

stoptothink wrote: I was already partially WTF before COVID.
Yeah man, me too.

But COVID really pushed me the rest of the way.
by Pinotage
Wed Jun 24, 2020 4:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard’s shifty distribution settings really bug me!
Replies: 24
Views: 2044

Re: Vanguard’s shifty distribution settings really bug me!

tetractys wrote:
Tue Jun 23, 2020 10:52 pm
Yah, heh heh, a nice slow ride on the spit.
Respectfully...what?

This is a straightforward point of configuration. You’ll be fine.

Posting on bogleheads is arguably more complicated, esp multi-quote posts ;)
by Pinotage
Sat Jun 20, 2020 7:19 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1872

Re: Lexus Key Fob Issue

Is it possible you've engaged child safety locks of some sort? Maybe a button or switch near your driver's armrest/dash mirror and door controls?

If such a switch exists try moving it through a few full cycles and trying the fob again.
by Pinotage
Sun Jun 07, 2020 8:07 pm
Forum: Personal Investments
Topic: Is there a retirement savings "crunch time"- and are we in it??
Replies: 30
Views: 3731

Re: Is there a retirement savings "crunch time"- and are we in it??

You'll be fine. Thanks for the comment, Will. Knocking out the mortgage a few years ago is what has really allowed us to up our savings rate. We were paying a significant amount extra towards the mortgage each month. So when it was paid off, we diverted all of those funds to taxable. Good for you! ...
by Pinotage
Sun Jun 07, 2020 7:29 pm
Forum: Personal Investments
Topic: Is there a retirement savings "crunch time"- and are we in it??
Replies: 30
Views: 3731

Re: Is there a retirement savings "crunch time"- and are we in it??

willthrill81 wrote:
Sun Jun 07, 2020 6:00 pm
You'll be fine.
Thanks for the comment, Will.

Knocking out the mortgage a few years ago is what has really allowed us to up our savings rate. We were paying a significant amount extra towards the mortgage each month. So when it was paid off, we diverted all of those funds to taxable.
by Pinotage
Sun Jun 07, 2020 7:19 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 447
Views: 25051

Re: What fun car should I get in the $150k - $200k range?

In another somewhat similar thread, I posted the comments below. Think most of them apply to this OP as well. Good luck OP and enjoy your success! (and please, please, PLEASE do #4 - you really just have to) Count me among those enjoying the post and the discussion. Think it is personal/actionable f...
by Pinotage
Sun Jun 07, 2020 5:44 pm
Forum: Personal Investments
Topic: Is there a retirement savings "crunch time"- and are we in it??
Replies: 30
Views: 3731

Re: Is there a retirement savings "crunch time"- and are we in it??

Thank you for the continued posts and perspective. Agree that there is a significant non-financial aspect to thinking through this. Part of it is figuring out goals, but there is a lot of knowing-oneself that needs to be worked through. As others have said, for someone saving $185k per year there is...
by Pinotage
Sat Jun 06, 2020 10:48 am
Forum: Personal Investments
Topic: Is there a retirement savings "crunch time"- and are we in it??
Replies: 30
Views: 3731

Re: Is there a retirement savings "crunch time"- and are we in it??

Thank you for the replies and examples of how others have considered the early/middle/later years of savings towards retirement goals. Sorry if this post came across the wrong way - was not intended. Up to this point it has just been save as much as possible with no specific plan for later. I've bee...
by Pinotage
Sat Jun 06, 2020 10:19 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1548
Views: 204623

Re: Post your Financial Milestone Announcements Here

Crossed $200K for the first time when updating my NW this morning (Age 26.5). Also, first time my VG account balance has been over $150K (between Taxable, Roth IRA, and 401K). Went back in my NW records to find it has been 1 year and 8 months since I hit $100K (WOW). That is truly awesome to see an...
by Pinotage
Sat Jun 06, 2020 6:46 am
Forum: Personal Investments
Topic: Is there a retirement savings "crunch time"- and are we in it??
Replies: 30
Views: 3731

Re: Is there a retirement savings "crunch time"- and are we in it??

livesoft wrote:
Sat Jun 06, 2020 6:43 am
There is no crunch time.
Honored to have a Livesoft response! :sharebeer

But...can you dumb it down a little more for me?
by Pinotage
Sat Jun 06, 2020 6:39 am
Forum: Personal Investments
Topic: Is there a retirement savings "crunch time"- and are we in it??
Replies: 30
Views: 3731

Is there a retirement savings "crunch time"- and are we in it??

In process of updating our retirement savings spreadsheets including projected rate of return and milestones along the way. This process has made me wonder if there is a retirement savings "crunch time" , and if we are in it. By " crunch time" I mean: - If we continue to hit savings goals for the ne...
by Pinotage
Sun May 31, 2020 3:48 pm
Forum: Investing - Theory, News & General
Topic: 70/30 - Expected Real Return?
Replies: 69
Views: 5212

Re: 70/30 - Expected Real Return?

Over what time period do you wish to calculate the expected return? 10, 20, 30 years? I'm pretty sure the numbers being mentioned from Bernstein et Al were not for 10+ year time periods, almost any time I've heard such low numbers being mentioned they are referring to maybe 3-5 years and 10 at most...
by Pinotage
Sun May 31, 2020 12:33 pm
Forum: Personal Investments
Topic: Rescheduling a 2020 Retirement Date?
Replies: 17
Views: 1847

Re: Rescheduling a 2020 Retirement Date?

I'm in good health, federal employee nearing 60 yrs of age. My original retirement date was 3/31/2020. As I was sliding into home plate, the world came unhinged, the markets tanked and the world came to a virtual stand still (as you all know)....doom and gloom everywhere, predictions of untold futu...
by Pinotage
Sun May 31, 2020 10:03 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 19444

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Right, and the 4% withdrawal rate already accounts for SORR, especially for a 30 year timeframe. Then you add in Social Security and hey things are looking better than good for the 65 year old retiree with 20x expenses with a high equity portfolio You do realize SS benefits, pensions and annuities ...
by Pinotage
Sun May 31, 2020 9:56 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 19444

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

TheTimeLord wrote:
Sun May 31, 2020 9:50 am
It is hard to tell when you have enough when you don't know what you want.
Every once in awhile, you read something that forces you to pause and consider. This triggered exactly such a moment for me.

Excellent post, TimeLord.
by Pinotage
Sun May 31, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 19444

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Some old links: William Bernstein-When you've won the game, why keep playing Memo to those who have won the game: it's time to quit playing Bernstein: "If you've won the game, stop playing." "When you've won the game, stop playing" Thank you for the links! Interesting to see the frequency of thread...
by Pinotage
Sat May 30, 2020 3:29 pm
Forum: Personal Investments
Topic: When Did You Ease Up On Saving Aggressively?
Replies: 171
Views: 15037

Re: When Did You Ease Up On Saving Aggressively?

Even for here these answers seem pretty drastic. "Ease up on saving aggressively" doesn't mean "Stop saving at all and buy a solid gold Lamborghini"; it can mean "opted to take a vacation after several years without," or " got a cat ," or "upgraded the winter coat" or even "started buying Ben and J...
by Pinotage
Sat May 30, 2020 11:13 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 19444

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

I think it would be good for me to do a slow read of this thread, and linked resources. A really slow read. Even a causal skim of this discussion has prompted lots of Deep Thoughts. Thoughts along the lines of: - what are the true objectives of investing? - how to gauge when you’ve achieved the abov...
by Pinotage
Sat May 30, 2020 11:03 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1548
Views: 204623

Re: Our mortgage is GONE!

willthrill81 wrote:
Wed Mar 11, 2020 11:07 pm
We're still reveling in it. Not having to make the mortgage payment last week surely felt good.
Just noticed this.

That’s really great Will, congratulations!
by Pinotage
Sat May 30, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: 70/30 - Expected Real Return?
Replies: 69
Views: 5212

Re: 70/30 - Expected Real Return?

Thanks everyone for the continued discussion. Although I was not clear in the OP, personal investing horizon is 30+ years. - I think 4% real might be a shade optimistic over the short term (7 years or so) but probably conservative over the longer term. - I appreciate different points of view, refere...
by Pinotage
Fri May 29, 2020 3:00 pm
Forum: Investing - Theory, News & General
Topic: 70/30 - Expected Real Return?
Replies: 69
Views: 5212

Re: 70/30 - Expected Real Return?

Many thanks for all of the replies, appreciate the feedback and rationale. Agree that it is a guesstimate at best but it sounds like I am at least in a reasonable ballpark. Well, past performance and all that, but this should give you some idea... https://www.bogleheads.org/blog/2020/01/03/three-fun...
by Pinotage
Fri May 29, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: 70/30 - Expected Real Return?
Replies: 69
Views: 5212

70/30 - Expected Real Return?

70/30 portfolio, 15% of equities in international. What real rate of return seems reasonable to use in projections? Revamping our spreadsheets and questioning a few of the assumptions I’ve built in. Vanguard’s historical information says 9.1% nominal. I have been using 4% real, but wondering if that...
by Pinotage
Thu Apr 16, 2020 8:50 pm
Forum: Personal Investments
Topic: The zillion dollar question: when will the market bottom out?
Replies: 104
Views: 8192

Re: The zillion dollar question: when will the market bottom out?

Samosa22 wrote:
Thu Apr 16, 2020 6:44 pm
Honestly, I have lost interest in OP's original question, I am following the post just to read the back and forth between Jozxyqk, Silk and smitcat.
A+
by Pinotage
Wed Apr 15, 2020 6:31 pm
Forum: Personal Investments
Topic: The zillion dollar question: when will the market bottom out?
Replies: 104
Views: 8192

Re: The zillion dollar question: when will the market bottom out?

nisiprius wrote:
Wed Apr 15, 2020 5:37 pm
The million-dollar question is, "how can I invest wisely without knowing when the market will bottom out?"
Outstanding post, and cuts to the heart of the whole discussion.
by Pinotage
Sun Apr 12, 2020 9:54 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

Re: Bogleheads community discussion - Coronavirus

Thank you so much. We do get 90 day supplies of all medications, except my wife's pain killer. You've got me thinking, though, about the timing of our prescriptions as it seems like one of us seems to have at least one to be filled almost weekly....not really weekly, but still a lot. (I have 4 scri...
by Pinotage
Sat Apr 11, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: Spectrum - Wanting to buy my own Cable Modem & WiFi Router
Replies: 13
Views: 1531

Re: Spectrum - Wanting to buy my own Cable Modem & WiFi Router

Spectrum provides free modems. If you are paying a rental fee for a modem, you are either on an old plan (like a grandfathered Time Warner Cable plan) or you are paying for the WiFi part of it, not the modem part. If you are on a grandfathered plan, I'd suggest upgrading to a new plan since the spe...
by Pinotage
Fri Apr 10, 2020 7:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19464
Views: 2696021

Re: U.S. stocks in free fall

CULater wrote:
Thu Apr 09, 2020 2:57 pm
Why would I want to be calculating valuations while I'm running for my life?
OK, Doomer :sharebeer
by Pinotage
Fri Apr 10, 2020 5:41 pm
Forum: Investing - Theory, News & General
Topic: If you have a sizable portfolio, you don't need an emergency fund
Replies: 140
Views: 10712

Re: If you have a sizable portfolio, you don't need an emergency fund

User 7eight9 just found an error in my calculations which makes the difference smaller than I originally concluded. In the corrected worst-case scenario, the no-EF investor comes out ahead by a net worth of $100,000 (6%), not 20% as previously stated. So that does hurt my argument a bit. I have upd...
by Pinotage
Fri Apr 10, 2020 5:07 am
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 358
Views: 34813

Re: This time it's different.

“This post has already been reported”
by Pinotage
Tue Apr 07, 2020 5:25 pm
Forum: Personal Investments
Topic: Probability of V shaped Rebound in Stocks
Replies: 82
Views: 7851

Re: Probability of V shaped Rebound in Stocks

I'm familiar with the Meb Faber work and it has been debated here quite a bit. If my understanding is correct, the general consensus is that it's likely to have less swings to the downside, but will also have lower total returns because of whipsaws and missing out on some of the days with the best ...
by Pinotage
Mon Apr 06, 2020 7:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 7397
Views: 602559

Re: U.S. stocks continue to soar!

I just have to say this. It won't bother me a bit seeing people rooting for the Pandemic get crushed if the market keeps going up. Honestly, some folks have been getting a bit ghoulish imho. Not gonna happen anytime soon. Things are gonna get MUCH worse in the coming months, just wait. Okay, I'll w...
by Pinotage
Sat Apr 04, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 37
Views: 3013

Re: is a $1000+ herman miller office chair worth the investment?

Stormbringer wrote:
Sat Apr 04, 2020 4:52 pm
I've been sitting in an Aeron chair for 25 years.
Comfortable or not, don't you at least feel like getting up to stretch once every few years?
by Pinotage
Sat Apr 04, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Anyone used ultrasound whistle to mitigate dog barking?
Replies: 34
Views: 2970

Re: Anyone used ultrasound whistle to mitigate dog barking?

What did your neighbor say when you talked to them about the barking?
by Pinotage
Tue Mar 31, 2020 5:24 pm
Forum: Forum Issues and Administration
Topic: PMs sent stuck in outbox?
Replies: 5
Views: 523

Re: PMs sent stuck in outbox?

I believe PMs stay in your outbox until the recipient reads them.
by Pinotage
Sun Mar 29, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: Which Treadmill Should I Buy? UPDATE: Thanks Everyone!!
Replies: 22
Views: 1628

Re: Which Treadmill Should I Buy? What do you have? Thoughts? UPDATE: Thanks!!

Sandtrap - any updates?

Have you received the treadmill, and if so, how do you like it?

Hope you are staying active and healthy!
by Pinotage
Sun Mar 29, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17647

Re: What will you do first, once COVID pandemic is over?

clown wrote:
Sun Mar 29, 2020 5:00 pm
First things first. I will get a haircut. Sorely needed BEFORE the lockdown!
:D Username checks out lololol!

I am right there with you - very shaggy and on the verge of letting my wife give it a try. Or could just break out the clippers and turn my Corona-fro into a a Corona-crew.
by Pinotage
Sun Mar 29, 2020 8:00 am
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 92
Views: 5660

Re: Giving thanks to our moderators

+1000 Fair and effective moderation are huge parts of keeping this forum so high quality. Thank you so much, Mods. Very impressed with how the moderators are managing posts related to Coronavirus. I think there is some value in allowing posters to discuss, but I REALLY REALLY think there is value in...
by Pinotage
Sat Mar 28, 2020 10:55 am
Forum: Personal Investments
Topic: Tide went out and I was naked
Replies: 28
Views: 5476

Re: Tide went out and I was naked

Cubicle wrote:
Sat Mar 28, 2020 9:59 am
I was expecting a completely different story from OP. I'm a little disappointed.
Hey, at least the naked OP didn't get punched in the face.
by Pinotage
Sat Mar 28, 2020 6:29 am
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 256
Views: 22289

Re: Selling 100% stocks on a bounce

It is not only taxes. It's the fact that this capital gain will preclude me from making regular Roth IRA contributions due to the boost in MAGI from the huge capital gain. I refuse to complicate the matter with the backdoor Roth IRA after already contributing normally for 2020. I have changed my mi...
by Pinotage
Sat Mar 28, 2020 5:19 am
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2383

Re: Leaky kitchen sink in middle of Pandemic

In my area, noticed a shift about four days ago in TV commercials from local service providers. Many are now touting the steps they take to keep things clean/safe. Plumbers, electricians, bathroom remodelers, window installers...and liquor delivery lol. I am sure any provider you contact will be rea...
by Pinotage
Thu Mar 26, 2020 7:35 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation of Stock Picking during market crash
Replies: 48
Views: 2864

Re: How to avoid temptation of Stock Picking during market crash

Frugalbear wrote:
Thu Mar 26, 2020 7:29 pm
Just remember... pigs get fed and hogs get slaughtered!

:sharebeer
Warren Tyson:

“Everyone has a plan to swim naked until they get punched in the face”
by Pinotage
Thu Mar 26, 2020 7:21 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation of Stock Picking during market crash
Replies: 48
Views: 2864

Re: How to avoid temptation of Stock Picking during market crash

Why fight it?

Just don’t make a big enough bet to matter either way.

I bought some RDFN on Monday for 10.47. It is now at 18.79. Will probably sell tomorrow.

It’s fun, but I’d never have the guts to make a big enough bet to really matter.
by Pinotage
Wed Mar 25, 2020 5:00 am
Forum: Personal Investments
Topic: Why not stand on the sidelines for a little while?
Replies: 302
Views: 14747

Re: Why not stand on the sidelines for a little while?

OP - do it. You’ve made up your mind and likely any narrative you create over the unfolding months will hinge on “I knew”. “I knew and should have acted” or “I knew and it was better to be safe than sorry” OP - do it. Some people will agree, others will disagree. This can be substantiated by reading...
by Pinotage
Wed Mar 25, 2020 4:41 am
Forum: Personal Investments
Topic: dead cat mouse
Replies: 56
Views: 5900

Re: dead cat mouse

Reminds me of that oft quoted line from Warren Tyson:

“Every mouse has a plan to swim naked until it gets punched in the face”