Search found 1476 matches

by bayview
Wed Nov 07, 2018 11:39 pm
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7341

Re: Do people calculate savings rate on gross income?

:) I have no idea why some believe that savings rate is meaningless. Nothing could be further from the truth. Your savings rate is closely linked to how long it will take you to reach financial independence (FI), a major goal for most Bogleheads. Assuming 5% real returns and a 4% withdrawal rate, i...
by bayview
Wed Nov 07, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7341

Re: Do people calculate savings rate on gross income?

I never calculated my/our savings rate. I just maxed my TSP at $24.5k (at the time) and we squirreled everything else possible at Ally, and we lived well below our means. As it happened, that was a pretty darned high rate, but that was coincidental. The so-called “rate” is just the arithmetic result...
by bayview
Sun Nov 04, 2018 12:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18270

Re: Vanguard website "unavailable during weekend of Nov 3"

Perhaps this would be more oh-well if I did not otherwise get a seemingly endless string of emails from VG re their webinars and white papers and whatnots. They seem to be able to spam me endlessly for those, so why not a general email? — and I did see the banner, so I was aware, but as I’m on the r...
by bayview
Sun Oct 28, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Frontline — The Pension Gamble
Replies: 10
Views: 2138

Re: Frontline — The Pension Gamble

I didn't understand the current KY state worker objections since the change to a 401k retirement plan would only apply to new employees. That would take the financial pressure off the state to properly fund the current KY state pension plan & give the current employees more security for their pensi...
by bayview
Sun Oct 28, 2018 6:51 am
Forum: Investing - Theory, News & General
Topic: Whats with all the FUD here? [market volatility]
Replies: 42
Views: 4280

Re: Whats with all the FUD here? [market volatility]

We have relatively new members who may know this stuff intellectually but who haven't really been tested yet, or who haven't had significant $$$ invested yet and who are now seeing noticeable chunks of money gone. We also have more established members who are now close to retirement ( I retired two...
by bayview
Sat Oct 27, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8056

Re: What's everyone currently in?

Same thing I was yesterday and the day before and the day before... 21% total U.S. market index 7% small cap (S&P small cap 600) 7% U.S. REIT and real estate index 28% total international market index 7% international REIT and real estate index 20% total U.S. bond index 10% total international bond...
by bayview
Sat Oct 27, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Market correction this week.
Replies: 15
Views: 2656

Re: Market correction this week.

yousha wrote:
Fri Oct 26, 2018 3:29 pm
I wonder whether any name brand financial guru called this week's market correction?
No doubt someone did. "Even a blind squirrel finds a nut every now and then." "A broken clock is right twice a day."
by bayview
Sat Oct 27, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Whats with all the FUD here? [market volatility]
Replies: 42
Views: 4280

Re: Whats with all the FUD here? [market volatility]

We have relatively new members who may know this stuff intellectually but who haven't really been tested yet, or who haven't had significant $$$ invested yet and who are now seeing noticeable chunks of money gone. We also have more established members who are now close to retirement (I retired two w...
by bayview
Thu Oct 25, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8056

Re: What's everyone currently in?

Fixed: G fund (TSP), treasuries up to two years, CDs (transitioning from 3 year to 2 year ladder), a small amount in VG MM funds (federal and prime) Equities: C and S funds (TSP US large -cap and completion respectively), VTSAX (total US Admiral), VIMAX (mid-cap US Admiral), VFSVX (international sma...
by bayview
Thu Oct 25, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: Teach children to save 10% from day one...?
Replies: 31
Views: 2252

Re: Teach children to save 10% from day one...?

I tried this. I wanted to make it mandatory, but let my kids decide. My daughter followed my advice. She's 22, and has a fair amount of money invested. My son rejected my advice. He is 19, and broke. A real-world reply! Raising kids always makes me think of "you can lead a horse to water, but you c...
by bayview
Thu Oct 25, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: Teach children to save 10% from day one...?
Replies: 31
Views: 2252

Re: Teach children to save 10% from day one...?

... (failed to figure out how to quote you) ... Whenever you want to quote, click the " button on the right above the other person's post, and their post will pop up on your screen. When you reply, make sure that your cursor is outside of (above or below) their quote, especially any part that begin...
by bayview
Thu Oct 25, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: Teach children to save 10% from day one...?
Replies: 31
Views: 2252

Re: Teach children to save 10% from day one...?

see next post - I quoted instead of edited, lol
by bayview
Thu Oct 25, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 82
Views: 9150

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Hi Bogleheads, Maybe my question was missed earlier so thought I’d ask again. If this is better suited to be its own thread vs. asked here, please let me know and I can re-post it. Thanks! Rand What a great tutorial. I just looked into assigning a cost basis of “Specific Identification” to my taxab...
by bayview
Mon Oct 22, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 3214

Re: Shouldn't Fridays be higher than average due to 401k contributions?

Feds get paid on Thursdays. My TSP contributions (agency was VA) showed Friday mornings with Thursday’s closing prices.
by bayview
Fri Oct 19, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 105835

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I have to chuckle at all this analysis. Total US is out-performing Intl because 12.7% of its assets are in: Apple, Microsoft, Amazon, Alphabet (Google), and Facebook. If those 5 continue their run, Total US will outperform Intl ... if they don't, it won't. This is false. US value funds have also dr...
by bayview
Sat Oct 13, 2018 7:18 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46274

Re: Roll Call for the Retirement Class of 2018!

OK, where do I pick up my diploma? After years and years of planning and more than nine-months notice to my organization, finally, Friday was my last day at work! Wow. And as cool as Friday was, on Saturday I noticed I wasn't getting that vague tight feeling in my gut and shoulders, anticipating Mo...
by bayview
Sat Oct 13, 2018 7:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46274

Re: Roll Call for the Retirement Class of 2018!

I did it!

Retired from FT federal employment yesterday (technically today per pay period.)

This no doubt triggered the hiccups in stocks this week, so I apologize to all who were unsettled, temporarily or otherwise. :D
by bayview
Thu Oct 11, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7832
Views: 1607427

Re: U.S. stocks in freefall

I've only been a member of the BH forum for a couple of years, but I'm not sure I've ever seen so many people this antsy. Because easily over 50% dont follow the theory or philosophy of Bogle. Notice how many people are buying ,,, why do they have all this extra cash sitting around? Well, outside o...
by bayview
Thu Oct 11, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4834

Re: Vanguard website problems [Transactions won't go through, 500 error...]

To ensure the best client experience possible, our IT group has been upgrading our systems to leading versions to improve our infrastructure. It is not uncommon to run into a temporary period of system down time while navigating these upgrades. If this occurs, our IT group will work quickly to addr...
by bayview
Wed Oct 10, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9870

Re: When will you backup the truck on stocks

I have an itty-bitty truck (funds available outside of our low-risk floor of needed funds), and I spent about 60% of it buying stocks today (international small caps, US total market, US mid-caps.) AA had drifted after DH bailed and moved his tIRA to all CDs/Treasuries/MM. Time to get back to where ...
by bayview
Wed Oct 10, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7832
Views: 1607427

Re: U.S. stocks in freefall

Any turbulence and you can couton this thread to be on the top. Every one gets spooked so easily here. Lots of folks here haven't been seriously tested before. They weren't investing in 2008, or they didn't have a lot of money in at that time. So we have people who are signed on with the theory of ...
by bayview
Wed Oct 10, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7832
Views: 1607427

Re: U.S. stocks in freefall

Any turbulence and you can couton this thread to be on the top. Every one gets spooked so easily here. Lots of folks here haven't been seriously tested before. They weren't investing in 2008, or they didn't have a lot of money in at that time. So we have people who are signed on with the theory of ...
by bayview
Wed Oct 10, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 480
Views: 72424

Re: 2-year CDs at Vanguard and Fidelity Today

Morgan Stanley is now offering 2 yr CDs at 2.95%. It will be interesting to see what Wells Fargo does when it makes more CDs available - will it stick with 2.95% or maintain its position of being the leader and increase the rate? So Wells Fargo apparently likes being the leader and went with the ne...
by bayview
Wed Oct 10, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4834

Re: Vanguard site 500 error

I was able to get my buys in. I logged on about 3:48 Eastern. (I had my phone alarm set to 3:45.) I'm glad I got in when I did - hope y'all get a similar opportunity next time. FWIW, I've had more log-in issues when the market is going mildly nuts (in a downward direction.) Another IT issue with ove...
by bayview
Wed Oct 10, 2018 6:57 am
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11734

Re: “It’s probably wise to sell to the sleeping point.” - Jack Bogle

For those of us who have met our retirement number, but who have little wiggle room, it makes sense to have that floor for needed income, and then all the rest in a flexible investment portfolio. The traditional SS/BB/$$ AA just addresses proportions, not specific dollar figure needs. We have 20 ye...
by bayview
Wed Oct 10, 2018 6:52 am
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 10851

Re: Allan Roth doesn't like single premium annuities

Not a scam, you are getting the higher payouts because of mortality credits. In other words, as an annuity owner, you get a higher payout because of those who die early. Hopefully, if you purchase one, you don't want to be one of those chumps who dies early. But this is a trade-off and there are tr...
by bayview
Wed Oct 10, 2018 5:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4834

Re: Vanguard site 500 error

I was logged in, updating my spreadsheet, when it prompted for a log-in again. Hmmm. Tried logging in and got the 500 error. This was at about 5:25 Eastern this morning.

I prefer not to access financial accounts via my iphone, so I haven't checked to see if that option works for me.
by bayview
Wed Oct 10, 2018 5:51 am
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11734

Re: “It’s probably wise to sell to the sleeping point.” - Jack Bogle

For those of us who have met our retirement number, but who have little wiggle room, it makes sense to have that floor for needed income, and then all the rest in a flexible investment portfolio. The traditional SS/BB/$$ AA just addresses proportions, not specific dollar figure needs. We have 20 yea...
by bayview
Sun Sep 23, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: Regrets / Pearls
Replies: 37
Views: 6928

Re: Regrets / Pearls

Do Roth sooner, and more. I always prioritized tIRA-type plans (TSP, etc), and I heartily wish I had funded my Roth more aggressively while maybe putting less in traditional plans. (Many of us can’t fully do both.) I’ll bet you a nickel that I could have put part of those earnings into Roth instead ...
by bayview
Tue Sep 11, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9884

Re: vanguard "Go to Holdings Summary" vs "Balances and holdings"

So far, so good. With all the IT and web design majors, can't they come up with non-startling + user-friendly + effective + efficient interfaces? I'm one of those old you-know-whats who rears back on its hind legs when a habitual click takes me to something completely unfamiliar. Simple and streamli...
by bayview
Wed Aug 29, 2018 12:23 am
Forum: Investing - Theory, News & General
Topic: Investing in Vanguard funds via Fidelity
Replies: 16
Views: 3330

Re: Investing in Vanguard funds via Fidelity

I have Vanguard ETFs in my Fidelity accounts. I think Vanguard would say that's a great approach and they'd be quite happy if millions of additional retail investors did the same. The expense of thousands of customer service reps is a big drag on efficiency. You might need to pay for a couple round...
by bayview
Wed Aug 22, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4529

Re: Cash Flow Gain Primary Residence

middistance runner is truly an endurance athlete. :D Ahahahahahaha :sharebeer I am particularly enjoying moderator triceratops’s avatar, which supplies the perfect touch to his role as referee in this joust (which he is doing admirably.) And in fact, I’ve learned a lot in this debate! Food for thou...
by bayview
Tue Aug 21, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5198

Re: Do you go for annual Medicare preventive tests and screening?

Medical coding professional here. I work for the VA, and we don’t bill Medicare (“It’s like robbing Peter to pay Paul”), so I try desperately to avoid Medicare weirdness, at least while on the job. But here is my take from a coding perspective: From the initial discussions, it sounds like the confli...
by bayview
Tue Aug 21, 2018 10:48 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 69
Views: 5167

Re: You Invest from JP Morgan

edit: dupe

—why do these happen, anyway? I thought the software prevented them, but it seems not.
by bayview
Tue Aug 21, 2018 10:48 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 69
Views: 5167

Re: You Invest from JP Morgan

"Now that I've made all the trades I needed to make, what will I do with the eighty-nine I have left? I wouldn't want to waste them!" You Invest users are 15 years younger on average than clients of the bank's human financial advisors... https://youtu.be/qNWvdtt5sxs?t=47 When the shades of night ar...
by bayview
Tue Aug 21, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4529

Re: Cash Flow Gain Primary Residence

Ok, a subjective safety margin. You are fiscally conservative, so I can certainly accept that. Thank you for clarifying.
by bayview
Tue Aug 21, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4529

Re: Cash Flow Gain Primary Residence

Which is why I asked why the demand for a 20% advantage for ownership. If owning costs $1 less than renting, is that not positive? (however weak) The requirement for a 20% advantage makes me wonder if other factors are in play but not expressed7. Does it take 20% to overcome some subjective distast...
by bayview
Tue Aug 21, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4529

Re: Cash Flow Gain Primary Residence

Hi, I am looking for advice from folks with more knowledge in real estate. Assuming 20% down payment and 30 years fixed rate mortgage, what would be the number that I should look at to make my primary residence cash flow positive? A) No, I am not renting out the rooms. B) In this context, I am assu...
by bayview
Tue Aug 21, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 4529

Re: Cash Flow Gain Primary Residence

Hi, I am looking for advice from folks with more knowledge in real estate. Assuming 20% down payment and 30 years fixed rate mortgage, what would be the number that I should look at to make my primary residence cash flow positive? A) No, I am not renting out the rooms. B) In this context, I am assu...
by bayview
Tue Aug 21, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card to Pay off Overpayment of Student Debt
Replies: 18
Views: 1649

Re: Credit Card to Pay off Overpayment of Student Debt

Your Fico scores will take a temporary hit due to high utilization on the credit card, but there is no “history“ in credit scoring for utilization. If you pay your card down enough to get your balance below 90%, it won’t be quite so bad, and once you pay off the card, it will be as if it never happe...
by bayview
Tue Aug 21, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8922

Re: Edward Jones rep door knocking

Really? I guess this is one of those things that just depends. In the last few years I have answered the door while not expecting anyone only to find: Delivery people in "non-company" vehicles. (Numerous times--probably would have left the item, but who knows?) A neighbor bringing a package of ours...
by bayview
Tue Aug 21, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: 60/40 vs 100% with Trailing Stop Loss
Replies: 36
Views: 2336

Re: 60/40 vs 100% with Trailing Stop Loss

Welcome to Bogleheads! Since you like having equities, why not a non-percentage approach? Since you’re close to retirement, I assume that you have a good estimate of your cash needs beyond what you might get from a combo of SS, any pension, and any annuities. Take that figure and multiply it by 3 ye...
by bayview
Tue Aug 21, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: 4 week Treasury bills didn't pay out on time?
Replies: 3
Views: 967

Re: 4 week Treasury bills didn't pay out on time?

Didn't I read a recent post that it would settle late this month, due to some requirement that 4-week bills be issued on the same #th Thursday of each month? --shaky on details, as you can see, but it was apparently due to the month-is-longer-than-four-weeks-except-February-but-not-in-a-leap-year bit.
by bayview
Tue Aug 21, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: Another reason to be wary of international stocks...
Replies: 22
Views: 3576

Re: Another reason to be wary of international stocks...

Blue Line Jumps 11 Percent NEW YORK–Excitement swept the financial world Monday, when a blue line jumped more than 11 percent, passing four black horizontal lines as it rose from 367.22 to 408.85. It was the biggest single-day gain for a blue line since 1994. https://i.kinja-img.com/gawker-media/im...
by bayview
Fri Aug 17, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Matter/Scatter part 8: Small-caps
Replies: 5
Views: 1024

Re: Matter/Scatter part 8: Small-caps

The final chart with micro-caps (BRSIX) does seem to show a noticeable contrast to the baseline 60/40. In your opinion, is that due to the different time frame (used by necessity), or is there something else going on? I don't know. The contrast isn’t as dramatic now that the fifth chart was updated...
by bayview
Fri Aug 17, 2018 7:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 6413

Re: Vanguard Switch to Brokerage Accounts

...There's no way Vanguard is going to keep its mutual-fund-only account platform going simply for helping the employees of its competitors. Nor for a decreasing and aging minority of its own investors. Like it or not, brokerage accounts are where all mutual fund investing will happen by individual...
by bayview
Fri Aug 17, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: Matter/Scatter part 8: Small-caps
Replies: 5
Views: 1024

Re: Matter/Scatter part 8: Small-caps

Nisi, the fourth and fifth charts appear identical. Were the returns of NAESX and DFSCX that similar, or did something happen with the chart? The final chart with micro-caps (BRSIX) does seem to show a noticeable contrast to the baseline 60/40. In your opinion, is that due to the different time fram...
by bayview
Sat Aug 11, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Post Mortem Settlement
Replies: 59
Views: 4647

Re: Post Mortem Settlement

Good library reads: Jessica Mitford’s “The American Way of Death” and her updated “The American Way of Death Revisited,” the latter published posthumously. (They deal with the funeral industry, not the overall issues mentioned in the OP.)