Search found 968 matches

by MoonOrb
Mon Apr 15, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bogle
Replies: 104
Views: 13723

Re: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bo

I get that there is a certain pleasure in participating in wonky threads about speculative future returns but this kind of stuff is, to me, exactly why I: 1. Decide on a reasonable asset allocation 2. Decide on a reasonable amount of money to invest each month 3. Put it all into the lowest cost fund...
by MoonOrb
Sun Mar 17, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Housing should be no more than 28% of your income.
Replies: 66
Views: 5973

Re: Housing should be no more than 28% of your income.

Rules of thumb are just a starting point and helpful for people who need some frame of reference to begin thinking about this question. Mortgage + taxes + insurance= 13.5% in my particular situation, but it was much higher when we bought the house, probably closer to twice that (or, right around 28%...
by MoonOrb
Sun Jan 27, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: 2-week European vacation
Replies: 34
Views: 2519

Re: 2-week European vacation

Skip London. Go to Paris and spend most of your time there and pick one other city on your list (I'd choose Munich). Fly there instead of taking the train because the train will take too long. If you're getting bored of the city you're in and like the train, you can take day trips on the train out o...
by MoonOrb
Wed Jan 23, 2019 12:33 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4537
Views: 1168654

Re: What Movie Have You Recently Watched?

"Searching" with John Cho. Really smart, fascinating thriller. Also nice to see the starring roles go primarily to Asian people which you just don't see that often in American film. For people who like violent action movies: Upgrade (near future sci-fi on a low budget but a lot of fun, sort of The M...
by MoonOrb
Sun Jan 20, 2019 2:39 am
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 26
Views: 3010

Re: NY Times $1 per week digital

I got this deal. If you don't read the NYT I guess you just post in this thread to let everyone know you disapprove? But for readers of it, it's a very good deal.

It does not cover crosswords. Also, it does not cover most of the cooking section if that matters to you a lot.
by MoonOrb
Thu Jan 03, 2019 3:04 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 88
Views: 10345

Re: Living Abroad - Who's done it?

I've done it. Have since repatriated to the US. I have mixed feelings about it. When we did this, we sold our house, our cars, lots of our stuff, quit our jobs, and moved abroad with the idea that we'd stay for a few years or for forever, depending on how we felt about it. We had a great time. It wa...
by MoonOrb
Sun Dec 30, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4537
Views: 1168654

Re: What Movie Have You Recently Watched?

Saw VICE yesterday. Hated it. I felt like it had enormous contempt for its audience. Too bad because I thought THE BIG SHORT was a masterpiece and fine performances by Amy Adams, Sam Rockwell, and others were wasted in VICE. I can't say whether Christian Bale's acting was good or not, but I can say ...
by MoonOrb
Mon Dec 24, 2018 4:39 pm
Forum: Personal Investments
Topic: Anyone rebalancing?
Replies: 36
Views: 2370

Re: Anyone rebalancing?

Not time to rebalance for me yet. I was somewhat close to needing to sell equities to buy bonds there for a while this year but then the market solved that for me. Still within my bands. I just keep contributing on the normal schedule and don't worry about it.
by MoonOrb
Sun Dec 23, 2018 1:26 am
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 11756

Re: My Christmas Present To You

I look forward to this post every year.

Taylor, Merry Christmas to your and your loved ones and thank you for your service to our country and this community.
by MoonOrb
Tue Dec 11, 2018 11:41 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 21399

Re: What Happened to you during the Financial crisis of 2007–2008

I had only been investing for ten years when that happened so it didn't feel that dire to me. Here are things I noticed: -I stopped looking at our investments on a routine basis -Automatic monthly investments still went in on schedule -I didn't know enough at the time to rebalance so I didn't rebala...
by MoonOrb
Wed Dec 05, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 14163

Re: Murder Mystery Authors

There are some crime authors that I sort of think make good pairings or groupings; here are some. James Lee Burke; James Crumley Michael Connelly; Robert Crais; Joe Ide Dennis Lehane; George Pelecanos Tana French; Kate Atkinson Dashiell Hammett; James M. Cain; Walter Mosely Elmore Leonard; Carl Hiaa...
by MoonOrb
Sun Dec 02, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21703

Re: Best values at Costco? Honestly, a little disappointed...

I love Costco but wouldn't have a membership if I had to drive an hour to get there. Here's what we save money on: Premade salad kits Broccoli or cauliflower florets Cubed butternut squash Cashews, almonds, pecans Vanilla extract Vegan protein powder (frequently on sale at about $7 off the normal pr...
by MoonOrb
Thu Nov 29, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4846

Re: How do Bogleheads justify taking vacation?

Vacation isn't really something you have to justify IMO. My premise is: it is okay to spend money on things you value and enjoy doing as long as you are living within your means and working towards long-term financial security. If vacation is something you value and enjoy doing, then spend money on ...
by MoonOrb
Wed Nov 28, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Katmai Advice
Replies: 13
Views: 1578

Re: Katmai Advice

We're also in the process of visiting the National Parks and went to Katmai this summer. Our attitude was to not economize for some of the less accessible (several of the parks in Alaska) parks. Our thinking was that if we are going to go to all of the trouble to see our national parks, we want to b...
by MoonOrb
Fri Mar 16, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 4171

Re: Which Day Hiking Trails Do You Recommend?

Angel's Landing in Zion NP.
Tongariro Crossing, in New Zealand.
by MoonOrb
Mon Mar 12, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Big Work Trip - Looking for Ideas
Replies: 15
Views: 1760

Re: Big Work Trip - Looking for Ideas

If I had ten days free in that part of the world, I'd spend them in New Zealand's South Island.
by MoonOrb
Fri Mar 09, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 8608

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

In short, I am very happy where I am (public university) with an amazing department in my research area (physical sciences) with great colleagues. How many people in academia have this? This is precious. My experience working with academics is that their happiness is in direct proportion to their a...
by MoonOrb
Sun Feb 25, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4537
Views: 1168654

Re: What Movie Have You Recently Watched?

Watched L.A. Confidential for the first time again in many, many years. What a well-done movie. The redemption stories of Vincennes, Exley, and White are woven together perfectly. Period detail is fantastic. Supporting performances are outstanding (Basinger's obviously, but more, too).
by MoonOrb
Tue Feb 20, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4537
Views: 1168654

Re: What Movie Have You Recently Watched?

I saw Black Panther today which was far superior to most of the other Marvel comic book movies, but still a comic book movie. It was notable though for the female characters who were actually characters and of course nearly every actor of note was black. I've really liked the other movies by the sam...
by MoonOrb
Sun Feb 18, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for some help and fast (buying vs renting, net worth)
Replies: 52
Views: 4401

Re: Looking for some help and fast (buying vs renting, net worth)

Person A comes out ahead in your hypothetical because they can invest $27000 over the next year and then leave it invested for 30 years where it will grow to, say, about $185000 if you were to assume a 6% nominal return. Person B starts paying the higher house payment now and must wait 30 years to i...
by MoonOrb
Sun Feb 18, 2018 1:27 am
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 18
Views: 1951

Re: Vancouver Vacation (Canada)

Agreed on the Anthropology Museum. Coincidentally, was there today. It's excellent.
by MoonOrb
Wed Feb 14, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11013
Views: 1923635

Re: U.S. stocks in freefall

It seems to me it's reasonable to be rattled when someone you know personally and presumably trust and respect and believe has more insight into the economy than you do tells you that he thought it was possible that another Depression could happen. It would have been an especially reasonable thing t...
by MoonOrb
Wed Feb 14, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11013
Views: 1923635

Re: U.S. stocks in freefall

Sure looks like the right time to get back in the market after moving everything to cash a while ago!
by MoonOrb
Sun Feb 11, 2018 10:48 pm
Forum: Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 7904

Re: Are REITs essentially taboo for years now with rising rates?

I don't see any reason to change my plan, which includes some (smallish) allocation to REITs. My expectation is that when I own a bunch of different asset classes, it's normal for some to be down when others are up. So when REITs are down, I just buy more and when they're up and something else is do...
by MoonOrb
Tue Feb 06, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11013
Views: 1923635

Re: U.S. stocks in freefall

mptfan wrote:
Tue Feb 06, 2018 9:14 am
Crushtheturtle wrote:
Tue Feb 06, 2018 4:09 am
Looks like I picked the wrong week to stop drinking.
LOL. Is that a reference to the movie Airplane!?
Surely, you must be joking.
by MoonOrb
Tue Feb 06, 2018 1:02 am
Forum: Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 368
Views: 42542

Re: Anyone tired of the stock market going up?

Maybe not until equities dip well below Nov 24 levels.
by MoonOrb
Mon Feb 05, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11013
Views: 1923635

Re: U.S. stocks in freefall

bligh wrote:
Mon Feb 05, 2018 6:25 pm
njuser wrote:
Mon Feb 05, 2018 6:23 pm
Vanguard is updated for today. ow.
Ow is right. :shock:

I suspect we wont be seeing many new "2 comma club" posts for a bit.
Only from those folks who had just made the 3 comma club :)
by MoonOrb
Mon Feb 05, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11013
Views: 1923635

Re: U.S. stocks in freefall

This isn’t going to change my behavior any, but it sure makes looking at financial news less fun.
by MoonOrb
Sun Feb 04, 2018 7:11 pm
Forum: Personal Investments
Topic: Why do many bogleheads feel they can time the housing market but can't time the stock market?
Replies: 63
Views: 5751

Re: Why do many bogleheads feel they can time the housing market but can't time the stock market?

Spending on housing is fundamentally different than investing, as you must pay for somewhere to live, a house is way less liquid than other investments , and renting is a completely viable alternative to buying--there's not really an analogue for this with investing. See, there's that word again. I...
by MoonOrb
Sun Feb 04, 2018 5:43 pm
Forum: Personal Investments
Topic: Why do many bogleheads feel they can time the housing market but can't time the stock market?
Replies: 63
Views: 5751

Re: Why do many bogleheads feel they can time the housing market but can't time the stock market?

I don't think it's so much "I'm going to time the housing market" as it is "renting makes more sense than buying right now and if I buy, I'll buy when buying makes more sense than renting" or similar sentiments. Spending on housing is fundamentally different than investing, as you must pay for somew...
by MoonOrb
Sun Feb 04, 2018 2:26 am
Forum: Personal Finance (Not Investing)
Topic: what to do in retirement
Replies: 11
Views: 2472

Re: what to do in retirement

I am a bit worried about the OP's Mom, as I do not think she is sure of having enough for retirement, depending on what Social Security amounts to. She is 65 has nearly 30x annual expenses before SS and her child is willing and able to gift her additional money? This is about the most "you are okay...
by MoonOrb
Sat Feb 03, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 18397

Re: Blood in the water- buying?

I don’t have a pile of cash sitting around that isn’t invested, so there’s no real way to see these fluctuations as buying opportunities. If there is enough of a change in my holdings that I reach a point where it’s appropriate to rebalance, I could do that, maybe. For everyone who is sitting aroun...
by MoonOrb
Sat Feb 03, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 18397

Re: Blood in the water- buying?

I don’t have a pile of cash sitting around that isn’t invested, so there’s no real way to see these fluctuations as buying opportunities. If there is enough of a change in my holdings that I reach a point where it’s appropriate to rebalance, I could do that, maybe. For everyone who is sitting around...
by MoonOrb
Sun Jan 28, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: If you're really rich you're probably not an index-fundi Boglehead
Replies: 61
Views: 12529

Re: If you're really rich you're probably not an index-fundi Boglehead

I don't want to be really rich, I just want to have a secure financial future and do my best to enjoy my life.
by MoonOrb
Sun Jan 28, 2018 3:24 pm
Forum: Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 6362

Re: Does anyone not rebalance?

I am pretty new to this site, but I will admit it seems that unfortunately much of the forum is plagued with questions from one of four subjects : I am going to market time, talk me out of it. Paying off house vs contributing to mutual funds I am going to buy individual securities, talk me out of i...
by MoonOrb
Sat Jan 27, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 69111

Re: Retreat to cash

“Little upside risk” I think is how this strategy was described. Interesting—I never would have done this myself but I don’t know that I would have really disagreed with the “little upside risk” statement last November.
by MoonOrb
Sat Jan 27, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Withdraw strategy for retirement
Replies: 16
Views: 2297

Re: Withdraw strategy for retirement

Asset allocation.
by MoonOrb
Sat Jan 27, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Age-based allocation when you don't need the money?
Replies: 22
Views: 2188

Re: Age-based allocation when you don't need the money?

I'm having this discussion right now with my father, whose yearly expenses are easily met by his pension and SS. He doesn't have an enormous sum invested, but it seems reasonable to me that what he chooses depends significantly on what he thinks his investments could ultimately be used for: If his ...
by MoonOrb
Sat Jan 27, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Age-based allocation when you don't need the money?
Replies: 22
Views: 2188

Re: Age-based allocation when you don't need the money?

I'm having this discussion right now with my father, whose yearly expenses are easily met by his pension and SS. He doesn't have an enormous sum invested, but it seems reasonable to me that what he chooses depends significantly on what he thinks his investments could ultimately be used for: If his d...
by MoonOrb
Sat Jan 27, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 6454

Re: Your favorite beach vacation destination?

The only beach vacation I truly enjoyed was in Fiji. It was magical. There was no one else around a lot of the time and you could have an entire beach to yourself. Extraordinarily relaxing. Also, beautiful. Every other beach vacation location just had too many people around for us to feel like we we...
by MoonOrb
Sat Jan 27, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: April in Paris - Your favorites or suggestions?
Replies: 48
Views: 2794

Re: April in Paris - Your favorites or suggestions?

I'd consider these things: For a day trip, Chartres, and the Cathedral there. It's an easy trip by train. The city center of the old city is charming, in addition to the cathedral. We also enjoyed Provins, which is a medieval town with a much smaller old city center, but also very pleasant, and an o...
by MoonOrb
Fri Jan 26, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 22
Views: 3244

Re: Can I retire?

As an aside, might you not want to move your bond allocation to be totally within your 401k or IRA and leave your Roth free to be 100% equity? If you have the ability or willingness to go back to work if you find you need additional money or you need healthcare benefits, then this is an easy, yes, y...
by MoonOrb
Fri Jan 26, 2018 9:08 am
Forum: Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 8129

Re: Turn 75,000 into 1 million

I find it very surprising the number of posts discussing individual stocks, gambling or insurance fraud to achieve a 1mm portfolio from a starting point of 75,000 in 22 years. :confused Those posts are assuming the OP might be asking “if I add nothing to the investment how can I turn it into $1m?”
by MoonOrb
Thu Jan 25, 2018 9:41 pm
Forum: Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 8129

Re: Turn 75,000 into 1 million

If you add nothing to the investment, you'd need to earn something on the order of 12% before fees and taxes to make this happen. There's not much paying 12% unless you want to make a big bet on one stock, or something. If you contribute $1000/mo, though, you'll just about get there if you earn 7% b...
by MoonOrb
Sun Jan 21, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 10205

Re: Short Commute or Nicer House?

Short commute is an alignment of things that are generally good for you (more time, less stress, less house to take care of, fewer things to buy to fill it with) and generally good for society (less gas consumed, contributing less to urban sprawl).
by MoonOrb
Sat Jan 20, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Do we need an emergency supplies kit (go bag)?
Replies: 65
Views: 6511

Re: Do we need an emergency supplies kit (go bag)?

Yes, of course. But this doesn't have to be a big complicated or expensive project. This is one of those "likelihood is small but magnitude is big" type of things. The way I think of this is a go-bag is just a subset of "shelter at home" supplies, which is basically our camping equipment + some food...
by MoonOrb
Sat Jan 20, 2018 10:51 am
Forum: Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 9841

Re: Lost money through Bitconnect scam - learned my lesson

mrpotatoheadsays wrote:
Sat Jan 20, 2018 10:28 am
Your Boglehead membership has been revoked.
I’d rather reserve this sanction for people who act like jerks and kick people when they’re down.
by MoonOrb
Sat Jan 20, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Cash-Out Refinance vs. Tranditional Home Equitly Loan
Replies: 12
Views: 815

Re: Cash-Out Refinance vs. Tranditional Home Equitly Loan

When we were in a similar situation we used a portion of our taxable investing account. I considered this sort of thing a legitimate use of that account—the account was for emergencies, large and unexpected expenses, and retirement, in that order. I hate the idea of the credit card as a way of tryin...
by MoonOrb
Tue Jan 16, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: [Mark Cuban -] "Diversification is for idiots..."
Replies: 26
Views: 4299

Re: Diversification is for idiots...

Mark Cuban is an idiot; therefore we can expect that his investments are diversified.
by MoonOrb
Mon Jan 15, 2018 3:32 am
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 5993

Re: Almost a pathological fear of debt, to my detriment?

Yes it's to your financial detriment, but it's not among the worst financial mistakes you could make. You might consider seeing a therapist and talking through this. But really, there are financial mistakes you can make that are so much worse than this that if you are happy living your life the way ...