Search found 2269 matches

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: 7632

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: Investing - Help with Personal Investments
Topic: Bonds for an aggressive investor
Replies: 25
Views: 2417

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: Investing - Help with Personal Investments
Topic: American Funds by Capital Group
Replies: 6
Views: 607

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: 4712

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: 1191

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: 4162

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: 11707

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: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 87
Views: 5987

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: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 87
Views: 5987

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: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 87
Views: 5987

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: 1478

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: 2585

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: Investing - Help with Personal Investments
Topic: Choosing 401k funds
Replies: 6
Views: 443

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: 10623

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: 1614

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: Investing - Help with Personal Investments
Topic: Payoff rental property or invest in the market
Replies: 15
Views: 1503

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: 1653

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: 2341

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: 416

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: 246
Views: 34523

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: 8209

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: Investing - Help with Personal Investments
Topic: Inheritance Investments
Replies: 11
Views: 1854

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: 9350

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: Investing - Help with Personal Investments
Topic: Need Help with 401k - Getting back into Market
Replies: 6
Views: 1009

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: Investing - Help with Personal Investments
Topic: Would YOU retire
Replies: 67
Views: 9754

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: 20410

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: Investing - Help with Personal Investments
Topic: Paying off mortgage vs. additional tax-advantaged retirement savings
Replies: 93
Views: 6527

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: 2555

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: 25664

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: 19701

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: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 12031

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: 9112

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: 9112

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: 5026

Re: Two commas, I'm calling it

Congratulations!
by Dulocracy
Sat Jul 01, 2017 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Rules of Thumb - Retirement Savings Multiples Question
Replies: 16
Views: 2563

Re: Rules of Thumb - Retirement Savings Multiples Question

What I have heard on this board is that one should be saving 15 percent of one's gross income for retirement.
by Dulocracy
Tue Mar 07, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan
Replies: 37
Views: 5108

Re: Traveling to Japan

http://www.kyoto-gioncorner.com/global/en.html This is a must in Kyoto. Not just for the meiko geisha dance, but the court music and other cultural performance art a foreigner has little opportunity to see. This was the highlight of our stay in Kyoto. Ninja is a fun restaurant in Tokyo. Don't be afr...
by Dulocracy
Sat Feb 04, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: ABLE Account - no longer disabled?
Replies: 2
Views: 677

Re: ABLE Account - no longer disabled?

Thanks! Please do let me know if you find out if disability similarly takes back money, but from what you found, I am very concerned for her that it may similarly cause a problem. I cannot find anything directly relating to it.
by Dulocracy
Thu Feb 02, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: ABLE Account - no longer disabled?
Replies: 2
Views: 677

ABLE Account - no longer disabled?

I have a dear friend that has a diagnosis for PTSD for some serious trauma. She is eligible for an ABLE account, however, I want to make sure it is appropriate for her. She is in counseling to overcome her disability. If that happens, would that mean that distributions are no longer qualified? Is it...
by Dulocracy
Tue Dec 27, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3757
Views: 1067411

Re: What Movie Have You Recently Watched?

It's A Wonderful Life , with Jimmy Stewart and Donna Reed. I watched this with my wife, 3 of our children and 2 of our grandchildren on Christmas Eve. This was Stewart's first picture after service in U.S. Army Air Corps in Europe in World War Two, flying B24 bombers. My favorite Christmas movie. W...
by Dulocracy
Tue Dec 27, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can I help settle my father in law's estate without an attorney?
Replies: 44
Views: 4300

Re: Can I help settle my father in law's estate without an attorney?

It is (in most states) a criminal act for someone to handle the legal work of another without a license to practice law. Counselor, this is a new one to me and I've been licensed to practice law for 53 years. Assisting another with legal matters without holding oneself out as a lawyer and without c...
by Dulocracy
Tue Dec 27, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 14895

Re: At what age, income, and NW would you buy a $50k car?

There's a lot of folks here who would never buy a new car, let alone one for $50k. It's a depreciating asset. But for those that would consider it, under what financial conditions would you do it? Hypothetically, if you were 35, had household income of $400k, and $2M NW, would you drop $50k on a ca...
by Dulocracy
Tue Dec 27, 2016 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Invest $30K or pay down mortgage?
Replies: 10
Views: 2094

Re: Invest $30K or pay down mortgage?

I do hate debt! Don't we all? :greedy I hate debt, but I like money. You have a good rate on the mortgage. Realize that paying down the mortgage is the same on a balance sheet as purchasing bonds (although at a higher rate than bond funds will offer right now). In your shoes, I would keep paying to...
by Dulocracy
Tue Dec 27, 2016 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand if/why I should buy bonds in this environment
Replies: 21
Views: 3325

Re: Help me understand if/why I should buy bonds in this environment

With a 30 year window and 12% bonds, why add more bonds? I wouldn't. Vanguards Target 2045 fund for 29 years out is at 11.5% cash and bonds added together.
by Dulocracy
Tue Dec 27, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 33
Views: 6973

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

I have a quaint cabin with a tin roof in the middle of nowhere Georgia that I am selling (Edit: I have a purchaser, this is not an ad for the property). The purchaser is paying something like $240 a month for the 20 year mortgage (owner financed at 6% interest). 2br, 2bath. Regional medical center h...
by Dulocracy
Tue Dec 27, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Can I help settle my father in law's estate without an attorney?
Replies: 44
Views: 4300

Re: Can I help settle my father in law's estate without an attorney?

OP: If the attorney is asking for a percentage, he is likely handling ALL of the affairs of the estate: managing it. Think of it as an AUM fee. This you should be able to do on your own. It is (in most states) a criminal act for someone to handle the legal work of another without a license to practi...
by Dulocracy
Tue Dec 27, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Accidental Rental - Sell or "One more year"
Replies: 16
Views: 2068

Re: Accidental Rental - Sell or "One more year"

You have negative cash flow that is barely more than the amount of principal reduction. You have had one expense that ate up four month's worth of profit if you consider principal reduction after negative cash flow profit. Costs on rental properties tend to INCREASE over time. Someone covered the pa...
by Dulocracy
Tue Dec 27, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: Bogleheads and stocks picking
Replies: 26
Views: 3037

Re: Bogleheads and stocks picking

I made out like a bandit on Bank of America. I bought lower in the market than Warren Buffet (although my stock was not preferred). I did so after a lot of research on Moynihan, the president. I did a little better than the market on a few others. I did horribly on a pharmaceutical company and a sol...
by Dulocracy
Tue Dec 27, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 16597

Re: I'll never save a 20% down payment. Rent for life?

OP: I got 100% financing with the closing costs tacked on to the mortgage (so over 100% financing). I had a 6.5% interest rate for the first mortgage and a 9.5% rate for the second. I bought at the top of the market, and prices dropped. Pretty bad, huh? I am 8 years in, and doing the math (including...
by Dulocracy
Tue Dec 27, 2016 9:50 am
Forum: Investing - Theory, News & General
Topic: What is a "standard" Small Cap tilt portfolio
Replies: 46
Views: 10075

Re: What is a "standard" Small Cap tilt portfolio

OP: There is no "standard". Da-da-daaa-dummmmm. (Scary music, as people on this site debate things like tilt to extremes). As you delve more into tilt, you will find that not only is there not a standard upon which all agree, but there are different tilts. For example, the 25 LV, 25 LB, 25 SV, 25 SB...