Search found 954 matches

by MoonOrb
Fri Mar 16, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3834

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: 1689

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: 8101

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: 3759
Views: 1068154

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: 3759
Views: 1068154

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: 4235

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: 1589

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 freefall
Replies: 7401
Views: 1551775

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 freefall
Replies: 7401
Views: 1551775

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: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 6708

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 freefall
Replies: 7401
Views: 1551775

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: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 34169

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 freefall
Replies: 7401
Views: 1551775

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 freefall
Replies: 7401
Views: 1551775

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: Investing - Help with Personal Investments
Topic: Why do many bogleheads feel they can time the housing market but can't time the stock market?
Replies: 63
Views: 5466

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: Investing - Help with Personal Investments
Topic: Why do many bogleheads feel they can time the housing market but can't time the stock market?
Replies: 63
Views: 5466

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: 2364

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: 17822

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: 17822

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: 12045

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: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 5733

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: 65588

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: 2056

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: 2049

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: 2049

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: 6045

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: 2580

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: 3050

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: Investing - Help with Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 7665

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: Investing - Help with Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 7665

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: 9472

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: 6180

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: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 9146

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: 696

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: 4146

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: 5699

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 ...
by MoonOrb
Sun Jan 14, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 112
Views: 10503

Re: Heading for a top?

Agree, and this is a reason to keep cash on hand. Next downturn could easily see both stocks and bonds go down together. Under that circumstance the rebalancing between stocks and bonds is not the ideal way to do rebalancing. Using cash to buy stocks and bonds is. I don't understand why people want...
by MoonOrb
Sun Jan 14, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating health care expenses in retirement
Replies: 12
Views: 1715

Estimating health care expenses in retirement

What rules of thumb, resources, or other tools do people use to estimate health care expenses in retirement? I'm not so much looking for precision as I'm looking for ways to bring an increased degree of certainty to a situation that I anticipate will continue to remain somewhat uncertain. It would b...
by MoonOrb
Sun Jan 14, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 13329

Re: Dave Ramsey's Millionaire Study

The Dave Ramsey discussion here almost always boils down to:

His personal finance advice is or has been genuinely helpful to many people including many Bogleheads;

His investing advice is crap.
by MoonOrb
Sat Jan 13, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 112
Views: 10503

Re: Heading for a top?

Who cares if it is at the top? I can't understand why folks are so scared of the market dropping and losing money. It is NORMAL for the market to fall. Folks treat it as if it is so abnormal as one has to figure out a plan to avoid it. Believe it was Friedman or Keynes who famously said something t...
by MoonOrb
Sat Jan 13, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: What journalism are you currently reading?
Replies: 12
Views: 1053

Re: What journalism are you currently reading?

New York Times, Washington Post, and the Seattle Times.

Last year I took a nearly eight month break from all news media. It was great and peaceful and I may do it again soon.
by MoonOrb
Sun Jan 07, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: A lot in taxable, or a little in Roth: a no-brainer?
Replies: 19
Views: 1631

Re: A lot in taxable, or a little in Roth: a no-brainer?

Yes, you probably have found an extreme example, but it's the type of example that proves the rule, right?
by MoonOrb
Sun Jan 07, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 211
Views: 21687

Re: Memo to those who have won the game: it's time to quit playing

This advice would seem to apply only to that subset of investors that do not have an appropriate asset allocation. It would probably be simpler to just say, "Have an appropriate asset allocation," but that's not exactly news around here. Yet, there is a group of folks who are at 100/0 or 90/10 or so...
by MoonOrb
Sat Jan 06, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Too much tax deferral?
Replies: 26
Views: 3895

Re: Too much tax deferral?

I've given this more consideration since I posted it. I think what's been weighing on me is I felt guilty or weird about not taking advantage of all tax-advantaged space we have. The explosion of available tax-advantaged space is a combination of (1) my awareness and greater understanding about how ...
by MoonOrb
Sat Jan 06, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 10694

Re: Plow Guy Raised Rates

Have you thought about getting into the snow plowing business? It sounds really lucrative.
by MoonOrb
Fri Jan 05, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 34169

Re: Anyone tired of the stock market going up?

This is an exhausting start to the new year.
by MoonOrb
Fri Jan 05, 2018 5:05 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 34169

Re: Anyone tired of the stock market going up?

Bigbonds wrote:
Fri Jan 05, 2018 3:57 am
Not even one week into the new year, S&P500 up 2% and Dow 25,000! Winning :)
On pace for a 100% return this year!
by MoonOrb
Thu Jan 04, 2018 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Too much tax deferral?
Replies: 26
Views: 3895

Re: Too much tax deferral?

Roth 403b is an option. However, if we were to max out our Roth 403b's, we wouldn't be able to max out our 457s. If our income increased, my strategy would be to max out the Roth 403b's before doing any taxable investing.
by MoonOrb
Thu Jan 04, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Too much tax deferral?
Replies: 26
Views: 3895

Re: Too much tax deferral?

All of these responses have been great, thank you. I'm singling out celia's below because it was particularly helpful for me to frame this question. Here are 4 retirement scenarios for someone who has the great majority of their savings in tax-deferred: 1. They have large enough pensions or taxable ...
by MoonOrb
Wed Jan 03, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Too much tax deferral?
Replies: 26
Views: 3895

Too much tax deferral?

Is there a point at which it stops making sense to put funds into tax-deferred investments and switch instead to more of a mix of Roths or even taxable? I ask because 2/3 of our investments are in tax deferred vehicles with about 20% in Roths and just 13% in taxable. But beyond that, DW and I now ha...