Search found 710 matches

by sergeant
Thu Feb 15, 2018 1:03 am
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 1755

Re: Where would you park 140k [Where to invest 140k]

WanderingDoc wrote:
Wed Feb 14, 2018 11:02 pm
50% BTC
50% ETH
He is (hopefully) joking. I don't think it is helpful to suggest this to a newer poster.

OP, spend a little time on our wiki. There is no hurry. It might be as simple as putting the new money into a Total Market fund in taxable and upping your bonds in your deferred accounts.
by sergeant
Wed Feb 14, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard advice--I'm confused
Replies: 30
Views: 3662

Re: Vanguard advice--I'm confused

Suggested portfolio is a mess but congratulations on exceptional part-time income.
by sergeant
Wed Feb 14, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 1755

Re: Where would you park 140k

I think your "headline" is misleading. Parking usually means a temporary spot to place funds intended for something.

Just invest it per your AA.
by sergeant
Wed Feb 14, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 64
Views: 3624

Re: Is This Action by Megacorp Legal?

I wouldn't like it if this happened to me but really don't think it's a big deal in this case. Wonder if he would be complaining if the market had done nothing but gone up?
by sergeant
Tue Feb 13, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16585

Re: Number at which to stop worrying

I think it's one of those "you'll know it when you see it" things. I didn't think I would ever get there, but after last weeks correction, I think I'm almost there. Annual expenses for a good retirement will be about $60k. But we're shooting for an annual $85k spend, so we'll have plenty of buffer....
by sergeant
Tue Feb 13, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: I think US interest rates could drop.
Replies: 62
Views: 6541

Re: I think US interest rates could drop.

Maybe! I have no idea. I gave up guessing a few years ago after being certain (and wrong) they had to rise for about 7 years.
by sergeant
Tue Feb 13, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 69
Views: 5610

Re: What if you only live off dividends?

No thanks! Too conservative. I guess heirs would be happy.
by sergeant
Mon Feb 12, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: moving my mother's "escape" fund to me
Replies: 28
Views: 3224

Re: moving my mother's "escape" fund to me

Make it POD to you. Change the mailing address to your address. Remove aunt's name from account. Leave it in mom's name.
by sergeant
Sat Feb 10, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: Why should we care about inflation?
Replies: 58
Views: 4996

Re: Why should we care about inflation?

Yes, I am. But, again, you're using the worst case, historically speaking (and BTW bank accounts paid 15%. But I digress). I'm referring to inflation normalization , not to huge spikes. Prices and rates rise over time. That's what history shows. This last 10 year period has been abnormal. That is s...
by sergeant
Sat Feb 10, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6590

Re: Day trading for a living/career?

My neighbor sold his (inherited) successful business about 20 years ago for near 15 million dollars. He puttered around for a couple years, bought a boat, bought a house at the river, and went out for lunch. He disappeared for a few weeks and his wife told me that he was inside the house trading sto...
by sergeant
Sat Feb 10, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 107
Views: 10154

Re: Larry Swedroe: 4 Horsemen Of Your Portfolio

I think what will happen, out of necessity, is the comeback of the extended family. Who would be in this extended family? Not sure there are many cases where anyone other than the children would take on this care. If we're talking about the children, then the first question is "are there children?"...
by sergeant
Sat Feb 10, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: What Would you do? (Inheritance)
Replies: 22
Views: 2796

Re: What Would you do? (Inheritance)

I do not agree that liquidating everything all at once is a good choice. Because: taxes. And I say this as someone who moved investments to Vanguard from another broker. Not 350k, but six figures. In many cases, Vanguard will allow you to transfer holdings in without selling them. Call them and ask...
by sergeant
Sat Feb 10, 2018 1:23 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 232
Views: 14661

Re: free dinner investing seminar

I have never been to any free dinner investing seminar. If your friend reports to his experience on Bogleheads , it will be my privilege to donate $100 to Bogleheads. So i don't know if this counts, but this happened when I was 16. One day my mom gets a call from a telemarketer whishing her a happy...
by sergeant
Mon Feb 05, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13510

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I'm 40. I'm at 100% stock (60 US/40 International). I'm weird also. I get happy when the stock market goes up, but I'm also happy when the stock prices drop as I can get the sale. If you are 100% invested, what do you use to buy with when you "get the sale"? just wondering! balbrec2 Great question....
by sergeant
Mon Feb 05, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14535

Re: Vanguard site is crashed now?

I wasn't planning on doing any trading today, but I find it utterly incomprehensible that some folks would make light of an entire platform going down and people being unable to place orders. That's not acceptable on any day. But sure, lolz panic trading Yes, it doesn't raise one's confidence in Va...
by sergeant
Mon Feb 05, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13510

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I've been investing since 1984. Current age is 53. I have a State Government Pension that covers all of my living expenses +. I'm used to volatility and I've ridden out several nasty market corrections and recessions and it always seems like I've come out ahead compared to a mixed stock / bond port...
by sergeant
Mon Feb 05, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I use the NYC 457 (DCP)?
Replies: 6
Views: 345

Re: Should I use the NYC 457 (DCP)?

Yes, use it. Those fees are pretty darn good. Do some research on governmental 457b's. They have some nice benefits.
by sergeant
Mon Feb 05, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Ever Thought of Suing (or Sued) A Waterproofing Company?
Replies: 20
Views: 1531

Re: Ever Thought of Suing (or Sued) A Waterproofing Company?

Research this issue at Garage Journal. There are experts at that site and many threads with photographs on how to truly waterproof a basement. The above information is correct, it can't be done from the interior.

You can sue anyone for anything. Good luck winning and then collecting.
by sergeant
Fri Feb 02, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: A bed time story for a RBD
Replies: 9
Views: 1729

Re: A bed time story for a RBD

Nice update. Which fund?
by sergeant
Fri Feb 02, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262054

Re: U.S. stocks in freefall

RBD today? No. It's Friday. So, how is an RBD defined? RBD was popularized by poster Livesoft. He has many posts talking about it. One of his criteria for it being a RBD is that the day not be a Friday. You can search for his full criteria. I would link it but would be violating his signature line....
by sergeant
Fri Feb 02, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262054

Re: U.S. stocks in freefall

lostdog wrote:
Fri Feb 02, 2018 10:38 am
RBD today?
No. It's Friday.
by sergeant
Thu Feb 01, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Insurance company wants new roof after closing!
Replies: 20
Views: 3062

Re: Help! Insurance company wants new roof after closing!

Replace the roof. Comp from 20 years ago is ready to be changed out.
by sergeant
Thu Feb 01, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much to spend on a backyard?
Replies: 35
Views: 2769

Re: How much to spend on a backyard?

I was going to ALL CAPS for you not to get the pool but see it's off the table. Make it nice if you're going to be there for 30 years. I would save up in a side account for a bit instead of the HELOC.
by sergeant
Wed Jan 31, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund vs. Stable Value
Replies: 34
Views: 2940

Re: Bond Fund vs. Stable Value

Depends on the SV yield. If near the bond yield I would go SV.
by sergeant
Wed Jan 31, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Do it myself or hire a pro?
Replies: 27
Views: 2356

Re: Do it myself or hire a pro?

Welcome to the forum. Read the Wiki. Hire a pro, Vanguard PAS. Not the one you have met with.
by sergeant
Wed Jan 31, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Allocation
Replies: 14
Views: 1242

Re: 401k Portfolio Allocation

For future reference, not everyone knows the tickers of those funds by heart, so it is important to give us fund names, too. --Looks like you just beat me to the punch. Thanks for adding the names. That said, I recognized most of them. Congratulations on having such nice 401k. I prefer the simplest...
by sergeant
Wed Jan 31, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to transfer Fidelity Roth IRA to Vanguard?
Replies: 3
Views: 322

Re: Best way to transfer Fidelity Roth IRA to Vanguard?

Does it really matter that it costs a few bucks? Just call Vanguard and have them do it.
by sergeant
Wed Jan 31, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: What should my Asset Allocation be, Stocks vs. Bonds?
Replies: 14
Views: 965

Re: What should my Asset Allocation be, Stocks vs. Bonds?

Whatever you are comfortable with. Nothing but your comfort level applies in your circumstance.
by sergeant
Tue Jan 30, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262054

Re: U.S. stocks in freefall

Posters sound so calm and are sticking to their plans. That's easy to do with a small dip. We will see how it goes when they get hit in the nose with a 20% drop.
by sergeant
Mon Jan 29, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19356

Re: I bought a stock today - Redfin (RDFN)

That's great that you say you bought at IPO and sold near the top! Good luck with this. Seriously. Please let us know what moves that you make semi-close to real time. I'm always suspect when people post what great profits they have made way after the fact.
by sergeant
Mon Jan 29, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity mistake -- what next?
Replies: 13
Views: 1403

Re: Annuity mistake -- what next?

Move on. Dump the annuity. Take the penalty. It's a cheap lesson.
by sergeant
Thu Jan 25, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5449

Re: Exterminator Accidently Sprayed our Home

I wouldn't have confronted him until he was done with the entire perimeter.
by sergeant
Thu Jan 25, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just commit market timing with "dry powder"?
Replies: 46
Views: 3954

Re: Did I just commit market timing with "dry powder"?

Dry powder rarely works to increase portfolio returns. The reasons have already been listed. Yes, you were market timing. Not sure about you being 100% equities. You have three kids and will have college costs soon. You and DW both want to quit your current jobs. You do have pensions but have stated...
by sergeant
Thu Jan 25, 2018 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Cost of living comparison (HCOL vs LCOL)
Replies: 85
Views: 5937

Re: Cost of living comparison (HCOL vs LCOL)

Without one of these ground breaking changes you are unlikely to see the backwoods or swamps of most LCOL areas turn into an industrial powerhouse. So, buying a home in a random LCOLA and waiting for such a change is a losing bet. That's all great for history but absent some change, HCOL will event...
by sergeant
Wed Jan 24, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16234

Re: Dear wife quits job and now we are down to 1 income

I agree with those who have said to relax and take some time. When our second was born my wife went part-time. I thought it would really hurt our retirement accounts. It didn't. We spent less than we made and still put money away once we got our budget down. Please take care of your wife, This is a ...
by sergeant
Wed Jan 24, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help with 457B Portfolio
Replies: 27
Views: 1625

Re: Need Help with 457B Portfolio

Wow! That must be one high paying government job to be able to max your 457b account in one paycheck. Why are you so occupied with one years deposit when it only is about 3% of your 457b balance? To answer your question we would need to know about other accounts and goals. Do you have a written inv...
by sergeant
Wed Jan 24, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help with 457B Portfolio
Replies: 27
Views: 1625

Re: Need Help with 457B Portfolio

Wow! That must be one high paying government job to be able to max your 457b account in one paycheck. Why are you so occupied with one years deposit when it only is about 3% of your 457b balance? To answer your question we would need to know about other accounts and goals. Do you have a written inve...
by sergeant
Sun Jan 21, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 13148

Re: Can We Retire in Hawaii? Please Critique

Captain and Tennille:. Dual Retirement. Retired university professor. DW. Retired educator. Age 80's. No mortgage. No debts. Home value 1.2 million. They are a little comfortable. Very very frugal. And live well below their means. Sonny is a Boglehead with a large portfolio in a 50/50 allocation. 2...
by sergeant
Sun Jan 21, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 82
Views: 5928

Re: Should I buy a business or suck it up at a job(s) with a pension.

Congrats, you have done a great job preparing for early retirement. My first recommendation is take a nice vacation in a warm climate to recharge your batteries. No way should you leave now to buy a car wash! Get to 50 and the pension and take it year by year. Are you sure that you get 3% COLA autom...
by sergeant
Sun Jan 21, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Dumb to use Vanguard Target date funds in Roth IRA?
Replies: 10
Views: 1050

Re: Dumb to use Vanguard Target date funds in Roth IRA?

Makes sense to me. Our Roth's are in Vanguard Target funds. Easier for my wife to just stick with when/if I go first.
by sergeant
Sat Jan 20, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: $50K Whole Life Insurance Policy
Replies: 12
Views: 647

Re: $50K Whole Life Insurance Policy

Simply your problem: Just 2 Options. Not 3, 4 or 5. Let you spouse give you the answer. 1. Keeping WL: If you die, how much will the heirs get? 2. Getting TermLife: If you die, how much will the heirs get? Disclaimer: We had WL on Only when he was young because he wasn't eligible to get TL until we...
by sergeant
Sat Jan 20, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: $50K Whole Life Insurance Policy
Replies: 12
Views: 647

Re: $50K Whole Life Insurance Policy

schrute wrote:
Sat Jan 20, 2018 2:54 pm
Nate79 wrote:
Sat Jan 20, 2018 2:16 pm
Just get term insurance and cancel this junk.
Why is this considered junk?
There are numerous threads on just why these "are junk", we don't know all your information but for 99.9% of people these are no where near optimal for investing nor for life insurance.
by sergeant
Fri Jan 19, 2018 3:29 am
Forum: Investing - Help with Personal Investments
Topic: 457 worth it with these fees?
Replies: 47
Views: 1562

Re: 457 worth it with these fees?

fortfun, sounds like you have a good plan for retirement. Just remember the withdraw options change when you go from a 457b to an IRA.
by sergeant
Mon Jan 15, 2018 2:13 am
Forum: Investing - Help with Personal Investments
Topic: Looking for multiple sets of eyes to review
Replies: 51
Views: 4567

Re: Looking for multiple sets of eyes to review

Third update...STILL No call back from any of the agents. So, I was hoping that someone could provide any comments/insight on my Personal set up as is without looking into the 457/403b ideas. Than you @klangfool and others for all of your comments and thoughts so far. Have you checked with your HR ...
by sergeant
Sat Jan 13, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any situations where you don’t max retirement opportunities?
Replies: 16
Views: 2042

Re: Are there any situations where you don’t max retirement opportunities?

Your plan makes sense to me. You have maxed retirement accounts for the last 30 years. You seem to have plenty saved up. Taking a year off or not fully maxing your retirement accounts will have no meaningful difference when you retire. Sorry to hear about the high medical costs, enjoy the remodel.
by sergeant
Sat Jan 13, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Pension service credit purchase: yes or no?
Replies: 16
Views: 948

Re: Pension service credit purchase: yes or no?

I have a similar option as OP. Except by statute , the retired employee receives 3% of the previous years benefits, each year. I have considered buying about 6 years of time. It would increase the monthly benefit substantially . But---here is the issue-- the plan is only 60% funded. It is a state p...
by sergeant
Sat Jan 13, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: why do banks bother offering lousy CD rates?
Replies: 49
Views: 4832

Re: why do banks bother offering lousy CD rates?

My MIL has most of her "savings" in an account at a B&M paying just about zilch. I pity the bank! She is in there several times a month for hours getting help balancing her check register, questioning her mailed statements, drinking the free coffee, and complainng to the manager if an employee looks...
by sergeant
Sat Jan 13, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Pension service credit purchase: yes or no?
Replies: 16
Views: 948

Re: Pension service credit purchase: yes or no?

It almost always pays to buy service time. California PERS eliminated this option (except for military buyback) several years ago due to the costs associated with it. Looking at your numbers I would absolutely do it. The purchase is even better if you have a survivor benefit. The only negative is i...
by sergeant
Sat Jan 13, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Pension service credit purchase: yes or no?
Replies: 16
Views: 948

Re: Pension service credit purchase: yes or no?

It almost always pays to buy service time. California PERS eliminated this option (except for military buyback) several years ago due to the costs associated with it. Looking at your numbers I would absolutely do it. The purchase is even better if you have a survivor benefit. The only negative is if...