Search found 2284 matches

by Dulocracy
Tue Feb 26, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?
Replies: 95
Views: 6289

Re: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?

Pre-tax, and most of us do not consider the employer's portion as our own savings. In part because the employer's portion can be smaller or taken back if you do not stay long enough depending on the plan. My wife and I make sure that we save 20% not including employers contributions and not conside...
by Dulocracy
Tue Feb 26, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Foresight question: did YOU make a killing on NECCO Sweethearts candy?
Replies: 30
Views: 3509

Re: Foresight question: did YOU make a killing on NECCO Sweethearts candy?

I actually did know about the problems, but I did not buy the stock. I bought six rolls of the product for nostalgic purposes. I probably paid too much, paying $20 first six rolls of Necco Wafers. However, it is one of the best purchases that I have made in the way of a Splurge in my life. When does...
by Dulocracy
Tue Feb 26, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?
Replies: 95
Views: 6289

Re: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?

Pre-tax, and most of us do not consider the employer's portion as our own savings. In part because the employer's portion can be smaller or taken back if you do not stay long enough depending on the plan. My wife and I make sure that we save 20% not including employers contributions and not consider...
by Dulocracy
Tue Feb 26, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs Invest - Small Business Owner
Replies: 8
Views: 628

Re: Mortgage vs Invest - Small Business Owner

I am in a very similar situation, but without the pool of cash. As a small business owner with expenses for the business that are around $100,000/month, I understand the made for a pool of cash. You are going to want to consider your options, but even if you do not pay it off I think paying down the...
by Dulocracy
Tue Feb 26, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: How long should a bodily injury claim take to settle?
Replies: 62
Views: 2997

Re: How long should a bodily injury claim take to settle?

Get an attorney! You can interview several and choose the one that you like the most. There is nothing wrong with avoiding all of the cheesy TV attorneys, but a Google search should quickly bring up some qualified attorneys in your area. You could also ask an attorney that you have worked with in th...
by Dulocracy
Mon Feb 04, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: Tawny Port (Not Vintage Port): Sandeman or Taylor Fladgate?
Replies: 12
Views: 1119

Re: Tawny Port (Not Vintage Port): Sandeman or Taylor Fladgate?

Most of the answers that you got to not answer your original question. If you are choosing simply between those two, I would strongly recommend Sandeman. My father has been drinking it for years, my grandfather drank it, and several people that I trust with that question drink it. While I do drink m...
by Dulocracy
Fri Nov 30, 2018 4:56 pm
Forum: Personal Investments
Topic: My mutual funds are declining, please help!
Replies: 54
Views: 5315

Re: My mutual funds are declining, please help!

Buy Low, Sell High. That means, when your funds drop, find a way to put more money in. Keep pumping money into the funds that are down.
by Dulocracy
Wed Nov 28, 2018 11:13 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 106503

Re: How much international stock? A suggestion.

Was there not a more recent Vanguard study saying 30-40%? I wound up picking 40% based on something I read from Vanguard saying 30-40 and another study stating 40-50 was the right amount. I set mine at 40%, which also acts as enough to hedge any Japan situation (however unlikely) in the US. Of cour...
by Dulocracy
Mon Nov 26, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 106503

Re: How much international stock? A suggestion.

Was there not a more recent Vanguard study saying 30-40%? I wound up picking 40% based on something I read from Vanguard saying 30-40 and another study stating 40-50 was the right amount. I set mine at 40%, which also acts as enough to hedge any Japan situation (however unlikely) in the US. Of cour...
by Dulocracy
Mon Nov 26, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 106503

Re: How much international stock? A suggestion.

Was there not a more recent Vanguard study saying 30-40%? I wound up picking 40% based on something I read from Vanguard saying 30-40 and another study stating 40-50 was the right amount. I set mine at 40%, which also acts as enough to hedge any Japan situation (however unlikely) in the US. Of cour...
by Dulocracy
Wed Nov 21, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: Bond prices vs yields
Replies: 17
Views: 1453

Re: Bond prices vs yields

A bond fund is just a collection of individual bonds. Simple logic tells us that If a single bond isn't overly risky, a collection of "not overly risky bonds" can't be more risky than each single bond it holds. This is patently false. A bond held to duration and a fund of bonds which are not held t...
by Dulocracy
Sun Nov 11, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Bond prices vs yields
Replies: 17
Views: 1453

Re: Bond prices vs yields

A bond fund is just a collection of individual bonds. Simple logic tells us that If a single bond isn't overly risky, a collection of "not overly risky bonds" can't be more risky than each single bond it holds. This is patently false. A bond held to duration and a fund of bonds which are not held t...
by Dulocracy
Sun Nov 11, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Bond prices vs yields
Replies: 17
Views: 1453

Re: Bond prices vs yields

So the risk of a bond depends on the match between your bond maturity and your consumption (i.e. when you need the money). If you perfectly match your bond maturities with your consumption needs, then you have no additional risk after you've bought the bond. You'll get exactly what you expected to ...
by Dulocracy
Thu Nov 01, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 46
Views: 3966

Re: Best neighborhoods in Atlanta

If it is not too late, I have two suggestions. I am surprised that no one recommended Vinings, although I guess it is a bit pricier and posher then people on this site might prefer. The other recommendation is OTP ( outside the perimeter), but it is outside the perimeter in the route that has the ab...
by Dulocracy
Fri Oct 12, 2018 12:47 am
Forum: Investing - Theory, News & General
Topic: Why does Vanguard reccomend 60:40 US:International ratio?
Replies: 52
Views: 9130

Re: Why does Vanguard reccomend 60:40 US:International ratio?

As I recall, they point to 30% being the “optimal” allocation...yet exceed it. I’ve not seen a rational explanation for the increase in the Life Strategy and Target Date funds, given that. As someone pointed out, the study says between 30 and 40% is optimal, according to Vanguard. I imagine the 40%...
by Dulocracy
Thu Oct 11, 2018 11:52 pm
Forum: Personal Investments
Topic: Bonds for an aggressive investor
Replies: 25
Views: 2640

Re: Bonds for an aggressive investor

Mini bogleheads do use bonds to rebalance into stocks during economic downturns. However, a good number also do not. Rebalancing will increase your portfolio balance 51% of the time and reduce it 49% of the time according to information provided by Vanguard and Jack Bogle. There is something to be s...
by Dulocracy
Thu Oct 11, 2018 11:06 pm
Forum: Personal Investments
Topic: American Funds by Capital Group
Replies: 6
Views: 717

Re: American Funds by Capital Group

I have been very happy with that company and with their funds.
by Dulocracy
Thu Oct 11, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4978

Re: Sellers remorse - selling business

Sell! Some of the most successful business owners that I have known have built businesses to the point of selling them, cashed out, and then started new businesses to again sell. Lock in those fabulous games that you have created with your own sweat! One thing that you could do is to negotiate with ...
by Dulocracy
Thu Oct 11, 2018 10:56 pm
Forum: Investing - Theory, News & General
Topic: Is your risk tolerance to dollars or percentages?
Replies: 17
Views: 1302

Re: Is your risk tolerance to dollars or percentages?

Neither. I have been through 2 crashes and several downturns, but I have yet to experience concern or unhappiness at the downturn. I simply buy more, even though I am 100% stocks in my Investment Portfolio. Apparently my tolerance to risk is very high. Of course, we use a reverse Bond strategy of pa...
by Dulocracy
Thu Oct 11, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: A strategy to pay off home at retirement?
Replies: 57
Views: 4513

Re: A strategy to pay off home at retirement?

I am of the opinion that if you have a mortgage, you should not retire. Have you considered working just a bit longer and only investing to get any match, but putting all extra money to pay down the mortgage? You would have the added benefit from not drawing down your assets for a few years and addi...
by Dulocracy
Sat Oct 06, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 12498

Re: Age in Bonds - Still Recommended?

I guess I'm the only one on this forum who doesn't care about AA. I keep 10 years worth of annual expenses in bonds, CDs, money market, and savings, and the rest is in stock regardless of the %. TravelforFun This is a classic example of "asking the right question first." Everyone analyzes the case ...
by Dulocracy
Sat Oct 06, 2018 9:07 am
Forum: Personal Investments
Topic: Small cap tilt
Replies: 87
Views: 7085

Re: Small cap tilt

...to wait the 30 to 40 years it can take for the premium to show up. This is among the most persistent misconceptions about factor investing I encounter on this forum. If it is an incorrect assessment, please explain how it is incorrect instead of just stating your belief. You may be correct, but ...
by Dulocracy
Sun Sep 23, 2018 2:28 pm
Forum: Personal Investments
Topic: Small cap tilt
Replies: 87
Views: 7085

Re: Small cap tilt

...to wait the 30 to 40 years it can take for the premium to show up. This is among the most persistent misconceptions about factor investing I encounter on this forum. If it is an incorrect assessment, please explain how it is incorrect instead of just stating your belief. You may be correct, but ...
by Dulocracy
Sat Sep 22, 2018 9:26 am
Forum: Personal Investments
Topic: Small cap tilt
Replies: 87
Views: 7085

Re: Small cap tilt

As for me, I'm not sure I completely buy the evidence that there is a small cap "premium" Don't do it! You answered your own question. When I first joined this site there were so many small value investors who would talk about it on a regular basis; however, now they are much fewer in number. Many ...
by Dulocracy
Sat Sep 22, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Learning How to Value Invest
Replies: 15
Views: 1574

Re: Learning How to Value Invest

This may come a bit late, however I believe that the information that you asked for was not wholly provided. A previous poster talked about "the boglehead way," but outside of using low-cost funds in order to prevent an erosion of one's assets, there is not a set boglehead way. There are those on th...
by Dulocracy
Sat Sep 15, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2870

Re: Paying down mortgage vs investing

I would know that if you do not put down 20% on a mortgage you will likely wind up with PMI or private mortgage insurance, which will mean greatly increased cost to pay for insurance that you will not default on the mortgage. Because of that if you have a 20% down payment, you will save a lot of hid...
by Dulocracy
Sat Sep 01, 2018 9:48 am
Forum: Personal Investments
Topic: Choosing 401k funds
Replies: 6
Views: 488

Re: Choosing 401k funds

This may be a little late, but it is important enough that I thought it worth mentioning. I would add the Russell 2000 Index both for diversification as well as to take part in the returns of the total Market, as smaller cap funds do tend to add a boost to savings. Since the market fluctuates, but t...
by Dulocracy
Mon Aug 13, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Draft a will with legalzoom or other online legal help
Replies: 104
Views: 11301

Re: Draft a will with legalzoom or other online legal help

. I was only charged $1500 for the the real estate closings which I imagine require more hours of labor than plugging a few names into a document This great misconception shows exactly why in your situation it would be best to get an attorney to draft the documents. Not to be critical, but this sho...
by Dulocracy
Sat Aug 04, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Storing Cord Blood For New Baby
Replies: 13
Views: 1685

Re: Storing Cord Blood For New Baby

We are the types who will most likely pay outrageous amounts of money to avoid risk, especially when it involves our children. However, we chose not to bank the cord blood because it is extremely expensive, and with current Medical Science it really only helps with a very few highly unusual disorder...
by Dulocracy
Sat Aug 04, 2018 11:45 am
Forum: Personal Investments
Topic: Payoff rental property or invest in the market
Replies: 15
Views: 1583

Re: Payoff rental property or invest in the market

First, a huge benefit to real estate is its current tax advantaged status. A large part of the reason that real estate makes for a good investment is that it comes along with multiple tax friendly benefits. Those tax-friendly benefits are eroded if you pay off the rental property early in a situatio...
by Dulocracy
Sat Aug 04, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: When to transfer stocks to kids
Replies: 27
Views: 2027

Re: When to transfer stocks to kids

You are in a situation where your state has a lot to do with inheritance laws. Each state has different laws. Some have an inheritance tax, While others have an estate tax. Some have neither. Federal law also comes into play. Are you going to continue to grow the money, or is it currently the amount...
by Dulocracy
Fri Mar 16, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider an emergency fund as part of your overall allocation?
Replies: 24
Views: 2425

Re: Do you consider an emergency fund as part of your overall allocation?

No, but don't give me ideas. I seem to try to find excuses to have more stock and list fixed income. However I do not really consider an ally savings account to be an investment. I would not have my emergency fund in any investment that was not guaranteed, which includes bond funds. I would not want...
by Dulocracy
Fri Mar 16, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mortgage or Pay Car Loan?
Replies: 5
Views: 472

Re: Refinance Mortgage or Pay Car Loan?

What what is the interest rate on the car? My wife has an interest rate of 1.9% on the car, which we are not paying early. We are paying extra on the mortgage, however. I would look at it as a function of where you are going to be saving the most money. Also, where is that $10,000 invested? It would...
by Dulocracy
Fri Mar 16, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 249
Views: 37626

Re: Those with high savings rate: why?

Fear. Fear that I will run out of money. Fear the stock market will plummet like in Japan and never return. Fear that my wife will not be taken care of in her older years. Acknowledgement and fear that I have not saved nearly enough at the point in life where I find myself. Fear about the future of ...
by Dulocracy
Fri Mar 16, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Has Seeking Alpha Become Worthless?
Replies: 29
Views: 9073

Re: Has Seeking Alpha Become Worthless?

220volt wrote:
Fri Mar 16, 2018 10:01 am
Picking good contributors to follow on Seeking Alpha is like consistently picking winning stocks.
For only $99.99 you can get my newsletter about which Seeking Alpha articles are the winners.

OP I stopped going to that site a while back with the same opinion that you have stated.
by Dulocracy
Fri Mar 09, 2018 6:02 pm
Forum: Personal Investments
Topic: Inheritance Investments
Replies: 11
Views: 2014

Re: Inheritance Investments

Good problem I'm dealing with here - inherited funds. What timing to invest a large sum of money, some of which will be going into the stock market? Invest everything all at once in my desired allocation? Wait for the market to drop? Other wise plan? One recipient is 5-10 years from retirement, one...
by Dulocracy
Fri Mar 09, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 57
Views: 9877

Re: This is not a typical medical collections issue- what to do?

Contact a debtor's rights attorney. Not a bankruptcy attorney, but an attorney who deals with debtor's rights in debt collection. You would be amazed at how often additional fees are added on to regular charges. In this circumstance, it sounds like a violation of the FDCPA (Fair Debt Collection Prac...
by Dulocracy
Fri Mar 09, 2018 4:28 pm
Forum: Personal Investments
Topic: Need Help with 401k - Getting back into Market
Replies: 6
Views: 1074

Re: Need Help with 401k - Getting back into Market

Vanguard Institutional Index -- ER 0.02% (VIIIX) Fidelity Mid Cap Index Option -- ER 0.04% (FSTPX) Fidelity Small Cap Index Option -- ER 0.05% (FSSVX) Fidelity Global Ex US Index Option -- ER 0.10% (FSGDX) Current Asset Allocation as of 2/16/18 68% Fixed Dollar Account (earning 4.30%) -- $59,480 32...
by Dulocracy
Fri Mar 09, 2018 4:07 pm
Forum: Personal Investments
Topic: Would YOU retire
Replies: 67
Views: 10089

Re: Would YOU retire

I tend to be very conservative on these things, but consider what happens if your rentals no longer produce. Are you ok? If there is a horrible real estate crash and you have to liquidate all property at 50% value. Are you ok? You are basically testing for black swan events. If it were not for the b...
by Dulocracy
Fri Mar 09, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 21184

Re: What was your % pay raise?

-50%

Wait...

Should I have sold my old firm and started a new one? Time will tell! :sharebeer
by Dulocracy
Fri Mar 09, 2018 12:44 pm
Forum: Personal Investments
Topic: Paying off mortgage vs. additional tax-advantaged retirement savings
Replies: 93
Views: 6860

Re: Paying off mortgage vs. additional tax-advantaged retirement savings

This question often gets answered by many people. HOWEVER: pay attention to responses primarily from high income earners. Max out your tax advantaged space. Once lost, you never get it back. Most high income earners look back and regret not taking more advantage of that space. You can always pay off...
by Dulocracy
Fri Mar 09, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Why (or why not) use an advisor
Replies: 42
Views: 2939

Re: Why (or why not) use an advisor

Many people DO need and benefit from having a financial advisor. Here are some reasons: 1. No interest in managing their money (too busy with managing a company or career or family, would rather outsource the activities, etc.) 2. No aptitude for managing their money (don't know what you don't know,...
by Dulocracy
Fri Mar 09, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 31335

Re: Why International again?

here's a good reason: it's called the "randomness of global equity returns" page 40 of the DFA matrix book 2017: https://www.ifa.com/pdf/matrix%20book%202017.pdf https://s13.postimg.org/75j8swgjb/Capture2.jpg what do you see? That's right. The good 'ol USA was only the top dog once since 1997 (in 2...
by Dulocracy
Fri Mar 09, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 20120

Re: Books that have actually changed your life, in a way.

.. A work by Soren Kierkegaard in combination with some writings of St. Augustine and St. Thomas Aquinas. (21) .. Can you please explain how? Thank you. Sorry for the late reply. We are not allowed to discuss religion on this board. I will say that Soren Kierkegaard discusses doubt and the idea tha...
by Dulocracy
Fri Mar 09, 2018 12:14 pm
Forum: Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 12589

Re: Ok fellow bogleheads, was the correction scary or nothing?

It was not scary. It happened. It will happen again. I am continuing to max my retirement/tax advantaged opportunities.
by Dulocracy
Sun Dec 17, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 9478

Re: Dad Needs Help Buying Wedding Liquor

Important!!! With your bourbon if you want a high-quality bourbon you want to go with Woodford Reserve. Jack Daniel's is a fine alcohol that I drink and enjoy, but it is not bourbon. If you got Jack instead of bourbon most people would not care, but if you are catering to a crowd who enjoys bourbon ...
by Dulocracy
Sun Dec 17, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 9478

Re: Dad Needs Help Buying Wedding Liquor

Important!!! With your bourbon if you want a high-quality bourbon you want to go with Woodford Reserve. Jack Daniel's is a fine alcohol that I drink and enjoy, but it is not bourbon. If you got Jack instead of bourbon most people would not care, but if you are catering to a crowd who enjoys bourbon ...
by Dulocracy
Sun Dec 17, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Two commas, I'm calling it
Replies: 20
Views: 5140

Re: Two commas, I'm calling it

Congratulations!