Search found 1734 matches

by Clever_Username
Thu Sep 10, 2020 11:52 am
Forum: Investing - Theory, News & General
Topic: Why does everyone think the market is over-inflated?
Replies: 112
Views: 8082

Re: Why does everyone think the market is over-inflated?

I don't think it's over-inflated. I don't even know how I'd try to evaluate such a claim.
by Clever_Username
Thu Sep 10, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Palm Desert golf
Replies: 11
Views: 996

Re: Palm Desert golf

What handicap level are you? There's a world of difference. The courses played in the Bob Hope are of varying difficulty. There are also the local Q-school courses. The course used for the Dinah Shore is super private -- most of the private courses in the area allow the public to pay to play in July...
by Clever_Username
Mon Sep 07, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 211
Views: 33206

Re: For those with $500k-$1m in investments...

Rounded values. Mid-to-late 30s. Taxable 24% Pre-tax 57% Roth 9% Treasury 10% Taxable, as a percentage, is likely to decrease over the coming years, as I have a lot more tax-advantage space to fill than I did prior to 2019. Roth will certainly increase as I now have an MBR, while in the past I not o...
by Clever_Username
Mon Sep 07, 2020 2:48 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 97
Views: 7378

Re: How do Bogleheads cope with FOMO?

Missing out on what? I spend money to allow the lifestyle that I wish to live. I invest the rest. I have long ago determined that I can afford to max out my 401(k) (later, 403(b)) and still live that lifestyle, so I suppose I do that investment first and then spend. And when I became eligible for a ...
by Clever_Username
Mon Sep 07, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 61
Views: 3347

Re: Need some advice for buying my first flat screen TV.

One thing that I haven’t seen mentioned yet is the importance of using HDMI cables to connect the TV to the cable box. If you try to use the old style coax connection, you won’t get an HD picture and it will look awful. Don’t buy an HDMI cable in a store, they are extremely expensive for no benefit...
by Clever_Username
Thu Sep 03, 2020 9:52 am
Forum: Personal Investments
Topic: Should I take short term gains and face the taxes?
Replies: 94
Views: 4399

Re: Should I take short term gains and face the taxes?

The answer to all your market timing questions: Q: When should I buy? A: When you have the money. Q: When should I sell? A: When you need the money. why are you wanting to sell if you don't need the money? fear. nothing more. That's my buying and selling plans for my investments, too, including the...
by Clever_Username
Mon Aug 31, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 24031

Re: Oddly Difficult to Find Items During the Pandemic

After all the trouble finding Powerade flavor White Cherry, especially zero, I've now found it at a few places, including a few carrying the zero! Found the zero at a Rite Aid, found non-zero at a Ralph's and at even the Pavillion's, which I'm not sure had it pre-Covid.
by Clever_Username
Mon Aug 31, 2020 11:02 am
Forum: Personal Investments
Topic: Add to 457b or start taxable?
Replies: 15
Views: 1157

Re: Add to 457b or start taxable?

My situation is a little different, but I've prioritized 457 (governmental, no Roth option) over taxable investing.
by Clever_Username
Mon Aug 31, 2020 10:58 am
Forum: Non-US Investing
Topic: Is it still a good idea to invest in a three fund portfolio?
Replies: 14
Views: 2409

Re: Is it still a good idea to invest in a three fund portfolio?

bouzias wrote: Sat Aug 29, 2020 7:25 pm Ray Dalio says we should consider even further diversification and add some gold and commodities though... Any opinions on that? Especially about gold I mean...
Yes, it's a good reason to not listen to that person about asset allocation.
by Clever_Username
Mon Aug 31, 2020 10:44 am
Forum: Personal Investments
Topic: Help me break my addiction to watching the Market / Worrying
Replies: 52
Views: 3623

Re: Help me break my addiction to watching the Market / Worrying

I'll second the calls for you finding a hobby. Also, evaluate your need to take risk. If the only way you have a chance to reach your retirement goals is high stock allocation, that's one thing. If you don't have that need, consider a more conservative allocation -- it'll swing a lot less, maybe tha...
by Clever_Username
Thu Aug 27, 2020 9:18 pm
Forum: Investing - Theory, News & General
Topic: Whose being naughty and keeping some dry powder around?
Replies: 110
Views: 9209

Re: Whose being naughty and keeping some dry powder around?

If I wanted to have an allocation to cash, I'd have written such a desire into my IPS. I didn't and I don't. I do have mid-five figures in bonds in tax-advantaged, and I re-balance every three months. I suppose that can be considered to be dry powder. As someone else said in another post, I get fres...
by Clever_Username
Thu Aug 27, 2020 10:49 am
Forum: Personal Investments
Topic: Russell 3000 Stock Index - Risk
Replies: 10
Views: 814

Re: Russell 3000 Stock Index - Risk

I'll add, for what it's worth, that my employer's plan's closest to a total market fund is a Russell 3000 ex-tobacco index. I lose exactly zero sleep worrying about how it differs from Vanguard's total stock market index in my Vanguard account. Ah, the UC Domestic Equity Index fund. Gloriously low ...
by Clever_Username
Thu Aug 27, 2020 1:46 am
Forum: Personal Investments
Topic: Russell 3000 Stock Index - Risk
Replies: 10
Views: 814

Re: Russell 3000 Stock Index - Risk

I'll add, for what it's worth, that my employer's plan's closest to a total market fund is a Russell 3000 ex-tobacco index. I lose exactly zero sleep worrying about how it differs from Vanguard's total stock market index in my Vanguard account.
by Clever_Username
Mon Aug 24, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: We received a request to reset your Facebook password.
Replies: 22
Views: 1338

Re: We received a request to reset your Facebook password.

It's most likely that someone else has simply mis-typed their ID and can't figure out why "their" password doesn't work. :oops: Then how did it come to MY email instead of that someone elses? It they had an issue with their password, the reset message would go to THEIR email. Maybe they think your ...
by Clever_Username
Mon Aug 24, 2020 12:30 pm
Forum: Personal Investments
Topic: Vanguard Funds that offer a monthly payment?
Replies: 27
Views: 3319

Re: Vanguard Funds that offer a monthly payment?

In theory the bond funds pay interest monthly. Of course as everyone knows, that's rather theoretical these days... I don't know, I'm still getting monthly payments from my bond funds. The ones in taxable go into a settlement account, the ones in tax-advantaged get reinvested, but it's still paymen...
by Clever_Username
Sun Aug 23, 2020 10:47 pm
Forum: Personal Investments
Topic: Same exact funds in taxable and retirement?
Replies: 18
Views: 1700

Re: Same exact funds in taxable and retirement?

For people who inherit or save enough to have a taxable account, I generally recommend NOT having the exact same funds in taxable as the other accounts. For investment purposes, it does not matter if you have the same funds in taxable and your other accounts. For tax purposes, it might matter becau...
by Clever_Username
Sun Aug 23, 2020 6:07 pm
Forum: Personal Investments
Topic: Same exact funds in taxable and retirement?
Replies: 18
Views: 1700

Re: Same exact funds in taxable and retirement?

For people who inherit or save enough to have a taxable account, I generally recommend NOT having the exact same funds in taxable as the other accounts. For investment purposes, it does not matter if you have the same funds in taxable and your other accounts. For tax purposes, it might matter becau...
by Clever_Username
Sun Aug 23, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16298

Re: Do you talk to your friends/family/coworkers about this stuff?

Friends: some. One of them even figured out my user name here a few years ago. Family: yes. I help my sister manage her IRA, but it's mostly mechanical (log in, press this button, etc). I look through her 401(k) options with her when she changes jobs. I talk with my parents about these things, more ...
by Clever_Username
Sun Aug 23, 2020 11:25 am
Forum: Personal Investments
Topic: Am I being too conservative?
Replies: 19
Views: 2077

Re: Am I being too conservative?

When I was 30 (I'm in my mid-to-late 30s currently), I was 30% in bonds. I don't think 10% bonds is too conservative, especially since they're iBonds which I strongly advocate for.
by Clever_Username
Sun Aug 23, 2020 11:24 am
Forum: Personal Investments
Topic: Same exact funds in taxable and retirement?
Replies: 18
Views: 1700

Re: Same exact funds in taxable and retirement?

Depending on your state of residence and income, bonds or stocks in taxable make more sense. If there were never a such thing as a 401(k) or IRA, and all the funds were in taxable, would you use the same stock market fund for all your domestic stock? I would. If there weren't an IRA limit, and you h...
by Clever_Username
Sun Aug 23, 2020 11:17 am
Forum: Investing - Theory, News & General
Topic: Advice to a Millennial about nest egg "Critical Mass"
Replies: 150
Views: 16819

Re: Advice to a Millennial about nest egg "Critical Mass"

I explained it to him using nuclear terminology: if he kept maxing out his IRA contribution year after year, eventually his nest egg would attain "critical mass" at about $800K, and from then on it would explode upward by far more than his yearly salary. Sweet, I hope it still works. I'm not yet 40...
by Clever_Username
Sat Aug 22, 2020 11:11 am
Forum: Personal Investments
Topic: How many funds should I have in my Roth IRA?
Replies: 10
Views: 1192

Re: How many funds should I have in my Roth IRA?

Many of you seem to be of the opinion that it is not necessary or even harmful to add a gold fund or international stocks fund to my portfolio. The reason why I was very interested in adding these two elements was because I have been listening to a lot of Peter Schiff and other economists who seem ...
by Clever_Username
Fri Aug 21, 2020 11:51 pm
Forum: Personal Consumer Issues
Topic: Hobbies that cost $$
Replies: 23
Views: 1880

Re: Hobbies that cost $$

Yeah, I play a lot of golf. Or, to put it another way, I work so be able to afford to play golf. I save for retirement so I'll have money for golf when I'm no longer working.

I kid. Slightly.
confusedinvestor wrote: Fri Aug 21, 2020 11:24 pm 3. Hanging out w y'all everyday.
Finally, someone who doesn't think I'm a cheap date!
by Clever_Username
Fri Aug 21, 2020 10:18 am
Forum: Personal Investments
Topic: How many funds should I have in my Roth IRA?
Replies: 10
Views: 1192

Re: How many funds should I have in my Roth IRA?

Agreeing with the above, the important thing is to have the asset allocation you desire, not to have some number of funds. If the Freedom 2050 fund achieves the objective, and I think it does, it's sufficient. If you'd rather have 100% stocks, then having a single total stock market index is suffici...
by Clever_Username
Thu Aug 20, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 9467

Re: how often do you check your net worth?

I re-balance four times a year, plus if I'm aware of significant market movement I'll check my portfolio to see if I hit my bands. That's a very large fraction of my networth, so I guess that timing. My house has an interesting burden on the deed, which is beneficial to me overall but makes it tough...
by Clever_Username
Thu Aug 20, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 15689

Re: Are emergency funds for suckers?

I don't have a designated emergency fund, although I do have an emergency plan. I also have well over a year's expenses in Series I Bonds, I max out a governmental 457 every year (since I first gained access to it, which was last year) and have about a year's expenses in it now, I have well over thr...
by Clever_Username
Wed Aug 19, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: How to Get Rid of an Old Car
Replies: 40
Views: 3510

Re: How to Get Rid of an Old Car

It was Carmax, and it was a Mazda sedan. Thanks! I had a similar experience - I didn't want to have to deal with selling my 2003 Honda Accord LX V6 sedan via Craigslist, etc. in 2017, so I tried CarMax. I was expecting (as far as I recall) a value of $1700 (per Edmunds). CarMax offered $2000. Sold!...
by Clever_Username
Wed Aug 19, 2020 8:06 pm
Forum: Personal Investments
Topic: How often are you adding to taxable accounts?
Replies: 78
Views: 4776

Re: How often are you adding to taxable accounts?

The arrival of money in my bank account is irregular because of how I treat tax-advantaged accounts at the office, plus my salary fluctuating in summers. That may affect how you view my response. All cash that comes in, whether it's distributions from a taxable account or money earned at work (or pr...
by Clever_Username
Wed Aug 19, 2020 8:03 pm
Forum: Investing - Theory, News & General
Topic: Cannot Get Myself To Index
Replies: 29
Views: 2985

Re: Cannot Get Myself To Index

So I want to just let it go with all my funds in VT and just forget it. But then I look at the high multiples of the tech stock and makes me second guess myself that Iam investing on the top. Something tells me that this is like The 2000 top and the minute you invest you will be cut in half. Now on...
by Clever_Username
Wed Aug 19, 2020 7:11 pm
Forum: Personal Consumer Issues
Topic: How to Get Rid of an Old Car
Replies: 40
Views: 3510

Re: How to Get Rid of an Old Car

It was Carmax, and it was a Mazda sedan.
by Clever_Username
Wed Aug 19, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4392

Re: Approach to "News" Consumption

I assume your definition of news involves information about world events. For that case, recognize that any so-called news organization is not trying to inform you, they are trying to assign to you an opinion. This effect is most obvious if you watch one whose editorial view is for the team you don'...
by Clever_Username
Wed Aug 19, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: 877 470 9042 Is this a Chase number
Replies: 6
Views: 643

Re: 877 470 9042 Is this a Chase number

Maybe look at Chase's number on a credible website (such as Chase's) and call it and ask. If it's legit, you know you called the right entity, and if it isn't legit, you didn't confirm anything to a scammer.

Also, when confirming, confirm the right card, not just a card.
by Clever_Username
Tue Aug 18, 2020 10:15 pm
Forum: Investing - Theory, News & General
Topic: Can Academics Beat the Stock Market?
Replies: 109
Views: 7151

Re: Can Academics Beat the Market?

000 wrote: Tue Aug 18, 2020 9:23 pm
klondike wrote: Tue Aug 18, 2020 9:19 pm
000 wrote: Tue Aug 18, 2020 9:13 pm If the academics underperform, who is outperforming? :confused
Bogleheads
Bogleheads invest in the index which is average by definition. So who is outperforming???
Maybe, but average here isn't in the 50th percentile over a multi-year period.
by Clever_Username
Mon Aug 17, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: How to Get Rid of an Old Car
Replies: 40
Views: 3510

Re: How to Get Rid of an Old Car

Okay, bizarre ending to this. Despite multiple sources saying the car was worth under $700 (Kelley Blue Book, etc), I brought it to a chain of purchasers of used cars (can I say who?) and they paid $2000 for it. It took me way too long to get around to doing this (sold it yesterday), but that's done.
by Clever_Username
Mon Aug 17, 2020 6:23 pm
Forum: Investing - Theory, News & General
Topic: David Blanchette - Returns may be low for a long time
Replies: 21
Views: 1777

Re: David Blanchette - Returns may be low for a long time

If you keep predicting that future returns will be low, eventually you'll be right.

What were this person's predictions in 2009? 2010? Lots of "you have to accept low returns going forward" going on then. I bet many are glad they remained invested during the past decade!
by Clever_Username
Mon Aug 17, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6107

Re: Thinking of moving Seattle or Vancouver, WA

I used to live in Portland Oregon and the Pacific Northwest can be great but the long gray winters can be hard on people. For some people it can cause a very serious clinical depression which is a lot more than just feeling blue. I also used to live in the Pacific Northwest. If you don't know that ...
by Clever_Username
Sat Aug 15, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Too much cash is making me panic
Replies: 29
Views: 4333

Re: Too much cash is making me panic

I would definitely go with Series I Bonds. Depending on how large your taxable savings is, you may want to reconsider how much of an emergency fund you need in cash. Given how excess cash is making you feel, take some notes and think about this in six months or a year : don't make a sudden change in...
by Clever_Username
Sat Aug 15, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Will I have any issue with I bonds as emergency fund?
Replies: 47
Views: 3525

Re: Will I have any issue with I bonds as emergency fund?

Also, for a very long time most banks would redeem savings bonds. About the time they discontinued issuing paper bonds except for tax refunds, there was a sudden sharp decline in the number of banks that do it. Banks that say "no banks do that" are lying, but they are now rare. The one within 1/4 m...
by Clever_Username
Sat Aug 15, 2020 10:06 am
Forum: Personal Investments
Topic: Help selecting what fund to put in taxable
Replies: 16
Views: 1513

Re: Help selecting what fund to put in taxable

As I understand, ETFs are generally more tax efficient, but REITs and bonds should be placed in tax-deferred accounts. What would be the suggested fund to place in taxable? That really depends on a lot of things. Is your taxable menu limited to the above options? I assume not. What is your federal ...
by Clever_Username
Sat Aug 15, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Will I have any issue with I bonds as emergency fund?
Replies: 47
Views: 3525

Re: Will I have any issue with I bonds as emergency fund?

I haven't experienced the lockout others are describing, but maybe that's just a matter of time. I started transitioning my emergency fund to I Bonds in 2014. My expenses are lower than yours but by 2016, I felt comfortable having only incidental cash on hand as needed. Right now, I have a little ov...
by Clever_Username
Fri Aug 14, 2020 9:23 am
Forum: Personal Investments
Topic: sell taxable to fund tax-deferred /
Replies: 12
Views: 990

Re: sell taxable to fund tax-deferred /

I currently have 22k in a taxable accnt and im up 15% on it (3.5k) Should i sell it or just leave it and forget it and start putting my monthly contributions in my roth IRA? That depends on why you have a taxable account. Many of us have them because we ran out of tax-advantaged space; we maxed out...
by Clever_Username
Fri Aug 14, 2020 9:22 am
Forum: Personal Investments
Topic: sell taxable to fund tax-deferred /
Replies: 12
Views: 990

Re: sell taxable to fund tax-deferred /

My employer offers 403(b), 457, and MBR. I have a sizable (for me, it's paltry compared to many on this forum, but this isn't a competition; either way, it's several years' expenses) taxable account. My previous job only offered the 403(b), not the other options. I don't keep a large amount of cash ...
by Clever_Username
Thu Aug 13, 2020 8:40 pm
Forum: Personal Consumer Issues
Topic: Barbells
Replies: 65
Views: 5611

Re: Barbells

I'm mostly interested in seeing how this goes. When I didn't go to the gym upon reopen (since reclosed), I ordered some not very expensive barbells from Walmart that arrived earlier than advertised. It was the Everyday Essentials Vinyl Dumbbell Set, adjustable up to 20 lbs each (4 x 7.5 lb and 4x 2....
by Clever_Username
Wed Aug 12, 2020 10:58 am
Forum: Personal Investments
Topic: tax efficient investments for taxable account?
Replies: 4
Views: 532

Re: tax efficient investments for taxable account?

Part of the answer depends on your state of residence and marginal tax rate. I use bond funds in taxable (approx 50/50 CA Long-term munis and short-term treasury index) due to my combined federal (lower than many here, but still a high tax rate IMO) and state (absurdly high, and I'm not in the top b...
by Clever_Username
Wed Aug 12, 2020 10:51 am
Forum: Personal Investments
Topic: Moving to Cash?
Replies: 158
Views: 11354

Re: Moving to Cash?

Dow is 28,000, with an all time high pre corona virus of 29,000, it seems irrational to have the Dow only 3ish% off the all time high with so many unemployed, no end to corona in sight, rising national debt, retail is a mess, real estate especially commercial is a mess. I am thinking it is best to ...
by Clever_Username
Tue Aug 11, 2020 5:26 pm
Forum: Personal Investments
Topic: 3 fund portfolio - Bond indexes bad in this environment?
Replies: 30
Views: 2303

Re: 3 fund portfolio - Bond indexes bad in this environment?

"in this environment" is a red flag. If you find yourself thinking along the lines of "in this environment" or "at this time" you are almost assuredly about to make a mistake. There ARE good times and bad trims to invest but you never know when they are until after the fact! Unless you are a one in...
by Clever_Username
Tue Aug 11, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 24031

Re: Oddly Difficult to Find Items During the Pandemic

I have heard from a source that Halloween and Christmas decorations will be in short supply this year because of the factories being shut down when they would have been making them. I've already told my kids that Halloween essentially isn't happening this year; does anybody expect any different? Of...
by Clever_Username
Tue Aug 11, 2020 11:17 am
Forum: Personal Investments
Topic: Portfolio Options if One Has "Won the Game"
Replies: 11
Views: 1408

Re: Portfolio Options if One Has "Won the Game"

I've been thinking of something along these lines. I followed age in bonds because I didn't have any significant money, even by my standards at the time, in the market in 2008, and I wasn't even sure how to check my balances then, so I didn't know how I'd deal with a market decline. Most of my quart...
by Clever_Username
Mon Aug 10, 2020 9:30 pm
Forum: Personal Investments
Topic: Using Taxable to Spend
Replies: 22
Views: 2251

Re: Using Taxable to Spend

Yes, sort-of? Right now, my taxable portfolio is into the six figures. I sell periodically (I really should formalize this in my IPS) to pay for expenses as needed. I don't spend all that much, but I do prioritize tax-advantaged savings from my paycheck over taking money into direct deposit, so some...
by Clever_Username
Sat Aug 08, 2020 5:45 pm
Forum: Investing - Theory, News & General
Topic: AMZN & AAPL - time to bail?
Replies: 167
Views: 14146

Re: AMZN & AAPL - time to bail?

I'd bail and replace them both with a domestic stock index, not because of anything about either or both companies, but because I wouldn't want the uncompensated risk of individual holdings.