Search found 981 matches

by sergeant
Fri Jan 18, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 91
Views: 6331

Re: Should I buy a house in the Bay area or give up?

Single? Rent a two-bed apt and find a roomate. Save you ton of money. Invest all left in to three vanguard fund portfolio. Now that I've turned 30, I feel like I'm too old to have a roommate. Thoughts? Also my housing expenses keep increasing due to rising rents, which leaves less money for investi...
by sergeant
Fri Jan 18, 2019 3:29 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 157
Views: 5554

Re: My trend following strategy and experience

I look forward to updates. The biggest hurdle for me would be being completely out of the market as it climbs, like the past couple days. Much easier for me to be in with at least part of my portfolio. Good luck. This is where knowledge of the market's history can help. Historically, the biggest 'u...
by sergeant
Fri Jan 18, 2019 1:09 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 157
Views: 5554

Re: My trend following strategy and experience

I look forward to updates. The biggest hurdle for me would be being completely out of the market as it climbs, like the past couple days. Much easier for me to be in with at least part of my portfolio. Good luck.
by sergeant
Fri Jan 18, 2019 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard
Replies: 59
Views: 1606

Re: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard

Why was your 401(k) 100% in equities? If it was 100% bonds, then you'd be ahead since they have dropped very very slightly in the past week. Just checked. About 300K total stock market, 200K total international, and 100K total bonds. So far S&P up 0.76% yesterday and already 0.78% today. :( That wa...
by sergeant
Thu Jan 17, 2019 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: 57 yr old w/$14K
Replies: 24
Views: 3595

Re: 57 yr old w/$14K

Have him come here and ask questions. You should stay out of it.
by sergeant
Wed Jan 16, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Ever encountered a toxic advisor? How did you handle it?
Replies: 25
Views: 3030

Re: Ever encountered a toxic advisor? How did you handle it?

While attending my nephew's wedding and reception a financial advisor and his wife were seated at my table and he sat next to me. He came on with a hard sell attack at every chance. He claimed to be worth millions. During the evening I complained to my sister about the seating arrangement and how ho...
by sergeant
Wed Jan 16, 2019 10:56 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 842
Views: 42767

Re: John Bogle has died at age 89

RIP Mr. Bogle
by sergeant
Wed Jan 16, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 50k car? If so, whats the best way to do it?
Replies: 48
Views: 2096

Re: Can I afford a 50k car? If so, whats the best way to do it?

Yes. Do it. But. You can find your dream car cheaper than 50k. Please start contributing to your 457b account. Just suck up some OT to max out the deferred comp.
by sergeant
Wed Jan 16, 2019 12:50 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7316

Re: When would you stop being a Boglehead?

I would stop if I had to pay a fee. I would then become a Sergeanthead.
by sergeant
Mon Jan 14, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help me pick a retirement date. Or enough is enough?
Replies: 33
Views: 4087

Re: Help me pick a retirement date. Or enough is enough?

You could retire now. Waiting another 30 months makes it even more certain. Enjoy.
by sergeant
Sun Jan 13, 2019 5:49 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9579

Re: Did you ever "win" big?

I have never purchased an individual stock. https://www.youtube.com/watch?v=APhpt_uEJ-EI I did win 53k on a game show.
by sergeant
Wed Jan 09, 2019 9:51 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5255

Re: BHers, what is your Roth IRA %?

We are at about 20% of our portfolio in ROTH the rest in taxable (not counting first tier EF in savings account), the same as you, as similar ages. I'm surprised that you were able to get $600K in your ROTHs. Was some of this from ROTH 401K or from ROTH conversions (or backdoor ROTH)? You are right...
by sergeant
Wed Jan 09, 2019 3:47 pm
Forum: Investing - Theory, News & General
Topic: Preparing for the bounce
Replies: 60
Views: 8967

Re: Preparing for the bounce

OP, good timing. Did you actually load up your portfolio with your recommendations?
by sergeant
Tue Jan 08, 2019 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Dissolving Ric-E Trust
Replies: 56
Views: 7255

Re: Dissolving Ric-E Trust

Hey everyone -- I have taken action with my state's attorney general, FINRA and the state department of insurance since an annuity falls under that category. AMAZINGLY, that action resulted in the immediate offer to change ownership of the annuity from the trust to the beneficiary which will then a...
by sergeant
Tue Jan 08, 2019 12:39 am
Forum: Personal Finance (Not Investing)
Topic: What does 1 million @Vanguard get you ?
Replies: 35
Views: 7045

Re: What does 1 million @Vanguard get you ?

Not much, I don't need much. Low-cost funds and reliable service which I require about once a decade is all I require. Also, that interest rate is yearly not monthly.
by sergeant
Thu Jan 03, 2019 6:31 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 159
Views: 7730

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

livesoft wrote:
Thu Jan 03, 2019 3:32 pm
Woo-hoo! I even got an alert that bond funds have popped today! Win! Win!
Me too! See you at the sushi counter.
by sergeant
Mon Dec 31, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: What is the expected real return of S&P 500 for the next 30 years?
Replies: 51
Views: 4316

Re: What is the expected real return of S&P 500 for the next 30 years?

Probably in the 3-4% range but I'm guessing based on what I have read from many differing "experts." Hopefully I'm still around in 30 years to see how my prediction fared.
by sergeant
Mon Dec 31, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Another Home Purchase Advice Question
Replies: 33
Views: 1126

Re: Another Home Purchase Advice Question

I appreciate the responses, and hear the advice that the numbers I'm throwing out are a stretch. But what I don't see is why. Some of the rules I've read are 28% of gross income or 36% of net to spend on total monthly home payments. This is what I've based my analysis on, along with a large reserve...
by sergeant
Mon Dec 31, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 399804

Re: What are you up YTD? [Year To Date]

Total return down just under 1%. International hurt, Stable Value fund helped. My AA started off 50/50 at the beginning of the year but circumstances had me gradually and not so gradually drift to 20/80 by the end of the year. I will be drifting back up to my desired AA in 2019. Retired and won the ...
by sergeant
Fri Dec 28, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: New patio door leaks
Replies: 13
Views: 918

Re: New patio door leaks

That's a complete redo. I would give them a chance to do the right thing. I would post this over at Garage Journal.
Lots of professionals over there.
by sergeant
Fri Dec 28, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice to family members
Replies: 37
Views: 3406

Re: Financial advice to family members

Keep out of it. It is a no-win situation. If everything goes great with your recommendations you get no credit. When there are bumps in the road you will be blamed. Ask me how I know.
by sergeant
Fri Dec 28, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) Fund Allocation???
Replies: 14
Views: 600

Re: 457(b) Fund Allocation???

You also have the option to double up the $19000 contribution limit during the three years prior to normal retirement age. Great post sergeant...Thank you! I am 44 and plan to retire at 53. How did you double up at age 47 if you didn’t plan to retire until 53? What do they consider “normal retireme...
by sergeant
Thu Dec 27, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) Fund Allocation???
Replies: 14
Views: 600

Re: 457(b) Fund Allocation???

You have already received some decent answers to your question. I would like to add something else for you to think about. You are a super late starter with investing based on your age (I'm guessing mid-40's) and low account totals. You should do everything possible (work a bunch of OT) to max your ...
by sergeant
Thu Dec 27, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: Is there any Low Risk 4 % Return
Replies: 52
Views: 6391

Re: Is there any Low Risk 4 % Return

I'm getting 4.125% in my stable value fund in my 457b. Could you share the fund name? That’s way better than my 457’s stable value fund. Maybe time to call my fund’s rep. I made a mistake on the interest rate, it is actually at 4.21% not 4.125%. The fund is SAGIC Diversified Bond II. Our deferred c...
by sergeant
Wed Dec 26, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: Is there any Low Risk 4 % Return
Replies: 52
Views: 6391

Re: Is there any Low Risk 4 % Return

I'm getting 4.125% in my stable value fund in my 457b.
by sergeant
Wed Dec 26, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Working Holidays for extra money.
Replies: 64
Views: 4557

Re: Working Holidays for extra money.

I worked Christmas for 27 straight years during my 32 year career. I was called in on two other years when I worked homicides as a detective. Some were regularly scheduled shifts and I received no OT. Many of the shifts I was covering someone who was off on comp time. I got 1.5 pay for those shifts....
by sergeant
Wed Dec 26, 2018 2:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10123
Views: 1785562

Re: U.S. stocks in free fall

Expro wrote:
Wed Dec 26, 2018 1:46 am
macchiato wrote:
Wed Dec 26, 2018 1:05 am
AlphaLess wrote:
Tue Dec 25, 2018 10:45 pm
dougger5 wrote:
Tue Dec 25, 2018 10:44 pm
Also: I have seen market drops that you people wouldn't believe...
Oh, yea? Try us.
Margin accounts on fire off the shoulder of Orion.
Funny.
Would Roy index and follow Bogleheads?
He would probably base his AA on the 200 day moving average of Tannhauser Gate.
by sergeant
Mon Dec 24, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10123
Views: 1785562

Re: U.S. stocks in free fall

Update: I’m now approaching a $110,000 loss. I won’t be able to handle this for much longer. Do you need this money for a near term purchase? If so you might want to get out now. If you plan on letting your investments grow for many years then this will likely just be a little dip on the long term ...
by sergeant
Sun Dec 23, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern 65 Life - Keep it or dump it?
Replies: 31
Views: 2030

Re: Northwestern 65 Life - Keep it or dump it?

I would cash it in. I haven't done any of the heavy lifting of running any numbers but just due to it's small size and complexity I would be done with it. If my parents were still alive I would take the proceeds and do something real fun with them as thanks for thinking of you when they set this up.
by sergeant
Sun Dec 23, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Home purchase: how to effectively trade off location & price? (Boston area)
Replies: 57
Views: 2775

Re: Home purchase: how to effectively trade off location & price? (Boston area)

I have an aunt that lives in Burlington. She likes it. I don't look at my home purchase as an investment but more as a lifestyle choice that hopefully keeps up with inflation.
by sergeant
Sun Dec 23, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling to accurately calculate if taking cash advance was worth it
Replies: 28
Views: 1833

Re: Struggling to accurately calculate if taking cash advance was worth it

This thread made me laugh. OP, just pay off your debt and don't waste time picking up pennies. :oops:
by sergeant
Thu Dec 20, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10123
Views: 1785562

Re: U.S. stocks in free fall

In support of the Boglehead view, two advisors I allowed to speak with me recently both conceded I could do better with a long-term SP500 index fund (than with them) as long as I can resist the temptation to sell. At least I'll give marks for admitting that. But 1% or better is an expensive way to ...
by sergeant
Wed Dec 19, 2018 11:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10123
Views: 1785562

Re: U.S. stocks in free fall

One has to out of debt to live off CDs. My father lived off CDs wile I paid 16.8% on a fixed 30 year mortgage. Inflation was 13.55% so real returns on CD were about what they are now. I had one of those 16% mortgages for my first home. I refinanced it at 13% a bit later and sold it when the price d...
by sergeant
Mon Dec 17, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10123
Views: 1785562

Re: U.S. stocks in free fall

Now the folks that went all cash have to decide when to get back in. Seems stressful to me. I went almost all cash a few weeks ago for various non-timing reasons. Actually, over the past year I have slowly gone from 50/50 to 15/85. I have slowly started to DCA back to our desired AA. Not stressful ...
by sergeant
Sat Dec 15, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19425

Re: I made a mistake by not selling when the market was high this year

For some of you who did sell at the peak, do you feel very lucky? I took a seven figure amount from equities a couple weeks ago as my past employer is switching over deferred comp providers. It has been sitting in a 2.5% SV fund waiting for the switch next week followed by a blackout period of a co...
by sergeant
Sat Dec 15, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring next year, would appreciate some advice
Replies: 30
Views: 2973

Re: Retiring next year, would appreciate some advice

Based on your past management of your portfolio you should absolutely not take a lump sum to manage. Keep the pension.
I wouldn't use a financial product salesperson under any circumstance.
Diversify to a target date fund at a low-cost provider from the mega corp. stock.
by sergeant
Sat Dec 15, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19425

Re: I made a mistake by not selling when the market was high this year

SevenBridgesRoad wrote:
Sat Dec 15, 2018 2:01 pm
I wonder about these threads where the OP completely disappears.
No reason to wonder. You know.
by sergeant
Wed Dec 12, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Ok to invest in an LLC?
Replies: 33
Views: 1703

Re: Ok to invest in an LLC?

I was a minority investor in an LLC. BUT - I made some very, very expensive mistakes. I was also an employee. 1. I loaned/advanced money to help with the LLC cash flow. When the LLC went bankrupt, because I was an "insider", my loans/advances went to the end of the line. 2. Along with the LLC and 3...
by sergeant
Sun Dec 09, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 399804

Re: What are you up YTD? [Year To Date]

It's the same person. He will be fine either way. He knows what he's doing and is fine with the risks.
by sergeant
Sat Dec 08, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12070

Re: 20M Inheritance - What is best option for small/no risk on principal?

What happened to the OP? I will give a hint as I've seen dozens of these silly threads where people claim to have inherited huge sums...we never hear from them again! In my over 10 years here I can remember one person that actually probably really inherited a large sum and stuck around for awhile.
by sergeant
Fri Dec 07, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 5948

Re: Saving for Retirement when one has a Pension

I earned a full pension during a 32 year career. During that career I operated under the assumption that my pension could be negatively impacted at anytime. I always contributed to my 457b, IRA, and taxable while eliminating all debt. Being retired with too much money is a good place to be. We did s...
by sergeant
Thu Dec 06, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 8627

Re: Solid my entire portfolio 12/3/18

Our AA was down to 30/70 from 50/50 over the past several months due to a settlement sitting in Prime MM and another huge chunk also in Prime MM for a possible second home down payment. We keep most of our stock allocation in my 457b account. My former employer is changing providers and the new prov...
by sergeant
Thu Dec 06, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any downside to moving 457b account to Vanguard ?
Replies: 10
Views: 922

Re: Any downside to moving 457b account to Vanguard ?

They will only take it as an IRA. IRA's have different withdrawal rules than a 457b. Also, if you're using the stable value fund in your 457b you won't have that option at Vanguard in an IRA.
by sergeant
Tue Dec 04, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?
Replies: 36
Views: 3669

Re: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?

Wow! OP has multiple tax preparers and lawyers for his financial situation yet trusts a salesman at EJ. Makes no sense to me.
by sergeant
Tue Dec 04, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10123
Views: 1785562

Re: U.S. stocks in freefall

I'm going 100% to cash...in my 457b account. Not because of the market but because the provider is changing in a couple weeks from ICMA to Mass Mutual. I was at 40/60 equities/SV. Process should take a few weeks. New SV fund pays near 4% which is good enough where I will move other parts of my portf...
by sergeant
Sun Dec 02, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: Window condensation
Replies: 15
Views: 2111

Re: Window condensation

We have the same problem, and solved it. We have double paned windows too. We have pleated blinds on the windows. If we lower the blinds all the way down to touch the sill, there is no circulation over the glass and condensate forms. However, if we leave the blinds up about an inch, or so, from the...
by sergeant
Fri Nov 30, 2018 5:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 267
Views: 50343

Re: Roll Call for the Retirement Class of 2016!

I have an update! Since retiring I have been attending many more MLB games of our "local" team. I figured why not get paid to attend games so applied for a job as a parking attendant and submitted my resume. HR gave me a call and said the security director would like to interview me for a position, ...
by sergeant
Thu Nov 15, 2018 12:25 am
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7337

Re: Are you all staying the course?

No worries here. I've been in Vegas for a week and never checked the market. I'm up a couple grand playing BJ. My playing partner checks the market every morning. A couple days ago he told me that I lost 10X more in one day in the market than I made playing BJ for the week. Didn't bother me a bit.