Search found 827 matches

by sergeant
Wed Jul 11, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life - We're doing it. What to look for?
Replies: 128
Views: 7386

Re: Whole Life - We're doing it. What to look for?

As far as the policy, based on OP's posted graph I agree that it is the least bad WL policy that I have seen. "...the least bad WL policy that I have seen" That's funny. Appreciate your thoughts! I'm changing my assessment as you continue to provide more information. I think you're making a mistake...
by sergeant
Tue Jul 10, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund
Replies: 12
Views: 906

Re: Stable Value Fund

How about a MM fund? They're currently paying what your SV fund does.
by sergeant
Tue Jul 10, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life - We're doing it. What to look for?
Replies: 128
Views: 7386

Re: Whole Life - We're doing it. What to look for?

OP has everything set up financially in case he or SO dies. They have adequate term life insurance, months of cash flow to handle immediate expenses, and are BHish with investing. I don't see how receiving an unneeded bonus of 100k a couple months after the death will help deal with the loss? As far...
by sergeant
Tue Jul 10, 2018 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5665

Re: Any Dry Powder Strategies?

I don't think your plan is simple or elegant. It would be far simpler to put dry powder in a MM account. I don't think dry powder strategies are sound in increasing returns. They may help you sleep at night though. FWIW, the goal is to manage risk, not increase returns. Yes, which is why I said it ...
by sergeant
Mon Jul 09, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5665

Re: Any Dry Powder Strategies?

I don't think your plan is simple or elegant. It would be far simpler to put dry powder in a MM account. I don't think dry powder strategies are sound in increasing returns. They may help you sleep at night though.
by sergeant
Sun Jul 08, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 1801

Re: Socially Responsible Funds (I want to be socially irresponsible)

Hmmm... So wife wants to go with the Vanguard "do-gooder" fund to feel better about her investments. Good for her! Don't say a negative word. What's the problem? So it returns a bit less than some other fund? She's investing not blowing it on shoes and a new car. :annoyed
by sergeant
Sun Jul 08, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 3468

Re: Do you count pension contributions as a portion of your overall retirement contributions.

Cop51 wrote:
Fri Jul 06, 2018 12:24 am
I’m required to pay 10% of my salary into the pension system. I save another 10% of my salary into my 457 account and max out my ROTH IRA.
Hopefully, with step increases and promotions, you get to the point where you can max your 457.
by sergeant
Sat Jul 07, 2018 10:30 pm
Forum: Investing - Theory, News & General
Topic: “We have a lot to do, and very little time, so we must work slowly.”
Replies: 21
Views: 3838

Re: “We have a lot to do, and very little time, so we must work slowly.”

"If I had more time, I would have written a shorter letter." -Blaise Pascal
by sergeant
Fri Jul 06, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hear of or invest in Rich Uncles?
Replies: 18
Views: 3429

Re: Anyone hear of or invest in Rich Uncles?

I have listened to their radio advertisements on KFI which is probably the #1 talk radio station in SoCal. The long time trusted DJ's go on and on about how they to are investors and what a great deal Rich Uncles is. I haven't heard much lately as Online Trading Academy seems to have taken Rich Uncl...
by sergeant
Fri Jul 06, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Tradional IRA conversion to ROTH IRA taxable amount?
Replies: 32
Views: 1361

Re: Tradional IRA conversion to ROTH IRA taxable amount?

FiveK wrote:
Fri Jul 06, 2018 4:30 pm
If MFS with $70K and $30K incomes:
$4453.50 + 0.22 * ($70000 - $12000 - $38700) = $8699.50
$952.50 + 0.12 * ($30000 - $12000 - $9525) = $1,969.50
Total = $10,699

If MFJ:
$1905 + 0.12 * ($100000 - $24000 - $19050) = $8739

You pay almost $2000 MORE by filing MFS.
OP, did you see this?
by sergeant
Fri Jul 06, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Tradional IRA conversion to ROTH IRA taxable amount?
Replies: 32
Views: 1361

Re: Tradional IRA conversion to ROTH IRA taxable amount?

I file MFS because my student loan payment is cheaper this way. If I do MFJ the loan agency will factor in my husbands income and then I will have to pay a higher loan payment each month. The loan company is the one who told me to file MFS so that I can have a lesser student loan payment each month...
by sergeant
Fri Jul 06, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Tradional IRA conversion to ROTH IRA taxable amount?
Replies: 32
Views: 1361

Re: Tradional IRA conversion to ROTH IRA taxable amount?

Your numbers look correct. Why do you file MFS? It may be advantageous to file MFJ.
by sergeant
Fri Jul 06, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Callable bond- maintain or take loss?
Replies: 35
Views: 1951

Re: Callable bond- maintain or take loss?

OP, you are a victim of some shady characters that placed you in instruments that only benefited them. The good news is that other than file a complaint with FINRA you don't have to be in a super hurry to do anything. Please answer the questions about other assets and income streams. It might be bet...
by sergeant
Thu Jul 05, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Pension, Income needs, and Asset Allocation Question
Replies: 32
Views: 4783

Re: Pension, Income needs, and Asset Allocation Question

Hah, you went with Livesoft's "flippant" recommendation. Good choice!
by sergeant
Tue Jul 03, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1934
Views: 349348

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

Up about 1.4%.
AA about 40/60.
Equities 50/50 Int./US.
Fixed Income almost all stable value with a chunk of Prime MM.
by sergeant
Tue Jul 03, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9377

Re: What’s your plan for a market downturn?

My plan is to stay near my desired AA.
by sergeant
Tue Jul 03, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you reach your target
Replies: 42
Views: 2991

Re: Asset Allocation once you reach your target

I'm retired and have more than hit my number. I like 50/50. I do go between 40/60-60/40 based on valuations and other criteria. We have 20 years of expenses in FI. We have pensions that provide 3x our base expenses.
by sergeant
Sat Jun 30, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: glass cancer?( watermark etching)
Replies: 24
Views: 2671

Re: glass cancer?( watermark etching)

So I'm dating this girl and she wants me to meet her mother. I go over to her house and we are all getting to know each other in the living room. Every 10-15 minutes people knock on the front door and her mother ushers them into the bathroom as they speak in Spanish. This happens at least half a doz...
by sergeant
Thu Jun 28, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: should I Help family member with investments?
Replies: 13
Views: 1397

Re: should I Help family member with investments?

I helped two older ladies that desperately needed help. My help has resulted in both being way ahead to the tune of hundreds of thousands of dollars over just over a decade. One lady (friend's MIL) has worked out ok. She is thankful and friendly and understands the value my help has provided. The on...
by sergeant
Thu Jun 28, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 9656

Re: Stocks vs. rental property

You need not feel threatened if someone discusses the nuances/benefits of real estate on here. If index fund investing is so much better than investing in real estate, it should shine through no matter what anyone says about a different investment. Are you anti free speech? Last I checked, the word...
by sergeant
Thu Jun 28, 2018 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Best portable air conditioner
Replies: 8
Views: 704

Re: Best portable air conditioner

At the high level it is a bit loud. It has a whisper level that is quiet.
by sergeant
Wed Jun 27, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Best portable air conditioner
Replies: 8
Views: 704

Re: Best portable air conditioner

I have an upstairs master bedroom. I live in an area that can really heat up in the summer. In the last 10 years we have replaced our central air and ducting, new windows, awnings, shades/shutters etc...A month ago I bought one of these (see above link) units from Costco. It is vented out the window...
by sergeant
Wed Jun 27, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Another should we buy this So. Cal house thread...
Replies: 42
Views: 2085

Re: Another should we buy this So. Cal house thread...

My son went to college in San Marcos. It's nice. I would prefer you have 20% down to eliminate PMI. I think you guys will be fine. Enjoy the new home. Get rid of PMI ASAP.
by sergeant
Mon Jun 25, 2018 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4509

Re: 60/40 or 40/60?

If it helps you sleep better at night then go ahead and do it. Not too much difference between 60/40 and 40/60. My ideal AA is 50/50 but often drift up to 60/40 and sometimes to 40/60.


You are market timing but market timing is not against the law so it's up to you.
by sergeant
Mon Jun 25, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sudden appearance of multiple buyers real or negotiation tactic?
Replies: 61
Views: 4012

Re: Sudden appearance of multiple buyers real or negotiation tactic?

cdu7 wrote:
Mon Jun 25, 2018 4:09 pm
Offer rejected, I was the middle bid of the 3.
It ain't over until it's over. A whole bunch can go wrong between now and closing. See if they will take your offer as a back-up.
by sergeant
Wed Jun 20, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate my finances. Young guy.
Replies: 96
Views: 13581

Re: Evaluate my finances. Young guy.

I think I am different than most people on this forum (and most people in general) in that I don't view debt as chain and shackles in a prison cell. You've never been through a recession with a ton of money on the line. Sorry to be that old guy with experience grumbling at the young guy who has onl...
by sergeant
Wed Jun 20, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate my finances. Young guy.
Replies: 96
Views: 13581

Re: Evaluate my finances. Young guy.

OP, thanks for the update and good for you. I would think two or three times about cashing out of the federal pension at early retirement. Please update your holdings as it appears you have added some stocks and funds that you didn't have last year. Good job increasing your wages and continuing to s...
by sergeant
Sun Jun 17, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Young and rich
Replies: 33
Views: 5319

Re: Young and rich

Your salary is 250k. Your net worth is a bit over a million. How much of this was the inheritance? You have a chance to become rich but you're not there yet. Do it right and in a couple decades you may be rich.
by sergeant
Sat Jun 16, 2018 12:55 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11878

Re: Which boglehead rule do you break--and are ok with

I try to keep my AA near 50/50 but let it get to 60/40 or 40/60 based on valuations. I don't treat our assets as one portfolio. We hold a bunch of fixed income in taxable. I don't like bonds and keep most of our fixed income in stable value funds. I don't think I've really broken any rules but certa...
by sergeant
Fri Jun 15, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 12231

Re: MD&P just purchased X / sold Y [md&pharmacist]

I'm pretty sure the internet is not the key to achieving 30-40% returns. I'm guessing all fund managers have access to it.
by sergeant
Wed Jun 13, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Some questions about purchasing earthquake insurance in CA
Replies: 10
Views: 1031

Re: Some questions about purchasing earthquake insurance in CA

Leave GEICO for a year and obtain a CEA policy from your new insurer.
Most companies will add the CEA at anytime. Well, not immediately after an event of course.
by sergeant
Tue Jun 12, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 5555

Re: Another home thread: 2mil / 40K in taxes

In his other thread we learned that they're Docs and they live in the NE. They have very stable incomes with excellent benefits. The current rental is a deal and to move to a larger rental would double their rent costs. OP, go for it! You can afford it and your wife has been very patient. The rental...
by sergeant
Tue Jun 12, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Respectfully Looking for Advice
Replies: 20
Views: 2426

Re: Respectfully Looking for Advice

Lots of good information has already been stated but we need your expected expenses to really nail it. I think your spouse may need to work more than two more years. If she goes five more and you knock out seven more that will go a long way. If during these years you implement some of the above sugg...
by sergeant
Tue Jun 12, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 12231

Re: MD&P just purchased X / sold Y [md&pharmacist]

Hostility is not helpful. I'm looking forward to the OP learning to truly determine his rate of return and that his strategy won't return 30-40% every year. He will also learn that market timing is near impossible.


One of my favorite threads is by Market Timer. This could be fun!
by sergeant
Sun Jun 10, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 12231

Re: MD&P just purchased X / sold Y [md&pharmacist]

I may follow along as long as his trades are posted near real-time. Many here have posted of unbelievable returns that can not be verified. I hope the OP keeps posting, but not trades made months ago.
by sergeant
Mon Jun 04, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 41
Views: 5514

Re: Thinking of a divorce - from Vanguard

The good thing with this divorce is that you don't have to give Vanguard half of your assets.
by sergeant
Mon Jun 04, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 2037

Re: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?

Do you park a hot car in the garage? Is the garage door insulated? A few small holes in the drywall would not make the room above hot.
by sergeant
Fri Jun 01, 2018 11:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 266
Views: 42440

Re: Roll Call for the Retirement Class of 2016!

Wow!, it has been over two years since I pulled the pin. I almost went back to work when the police union requested that I return as a part-time person to head the union but I had no interest. I volunteer some at church, spend several hours every day walking, lifting, yoga, and biking. My health has...
by sergeant
Fri Jun 01, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3612

Re: New roof - does this ridge vent look right?

Garage Journal has many professional roofers and contractors that can give you excellent information. I'm not either but can tell you that roof job looks terrible.
by sergeant
Fri Jun 01, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5335

Re: Advice for assisting 18 year old son after high school

OP, I have no guess if your plan will be successful but I hope it goes well. Keep us posted and stay flexible with your son. Sounds like there will be ups and downs.
by sergeant
Fri Jun 01, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help With My Government 457 plan costs
Replies: 9
Views: 590

Re: Need Help With My Government 457 plan costs

I don't think the fees are unacceptable. Voya is a good provider and provides quality service. Their website is easy to use. My wife's 457b account is with Voya.

We will leave a large chunk with them in their stable value account when she retires next year. The rest will be sent to Vanguard.
by sergeant
Thu May 31, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for upcoming $3M windfall
Replies: 60
Views: 11551

Re: Strategy for upcoming $3M windfall

Giving your money to a RIA to invest in muni's and hedge funds seems a strange way to preserve capital. :shock: Yep, I realize it's not the optimal way and goes against the general philosophy of this site, but that's not what my main question was about. No need to beat me over the head with it. :) ...
by sergeant
Thu May 31, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for upcoming $3M windfall
Replies: 60
Views: 11551

Re: Strategy for upcoming $3M windfall

Giving your money to a RIA to invest in muni's and hedge funds seems a strange way to preserve capital. :shock:

I would let the SF condo go if you're not planning on going back.
by sergeant
Thu May 24, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Exiting a variable annuity
Replies: 12
Views: 1167

Re: Exiting a variable annuity

Frank Grimes wrote:
Thu May 24, 2018 2:28 pm
Bullet bitten - I have sent in my paperwork to do the transfer of my annuity. At least I'm getting out more than I put in a year and a half ago, so I didn't lose money.
I doubt it. Show your numbers AFTER you (or IRA provider) receive the check.
by sergeant
Tue May 22, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: How do you stop moving the goal posts.
Replies: 62
Views: 5054

Re: How do you stop moving the goal posts.

How do you know that your balances will go down? You could end up drawing far less than your accounts go up. Goals are good but not when they keep one working when he would rather start enjoying retirement.
by sergeant
Mon May 21, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4137

Re: Buy this home?

That's a good down payment, did you save it or is it from a relative? Your emergency fund looks good. How much in your retirement accounts? Your income looks good for that payment amount.

I can't answer without more information.
by sergeant
Fri May 18, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: vitamins and supplements
Replies: 11
Views: 926

Re: vitamins and supplements

This is not medical advice. I think that unless you have been proven to be deficient in something vitamins create expensive urine, and can be harmful.
by sergeant
Mon May 14, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Review of assert allocation for possible house downpayment
Replies: 12
Views: 774

Re: Review of assert allocation for possible house downpayment

Real estate is location specific and who knows what the ROI will be over the next 20 years. In the past a diversified stock portfolio has, with a few exceptions, returned more than a residence in which you occupy.