Search found 800 matches

by sergeant
Wed Jun 20, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate my finances. Young guy.
Replies: 96
Views: 13318

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: 13318

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: 5106

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: 151
Views: 10813

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: 11421

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: 961

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: 5357

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: 18
Views: 1992

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: 11421

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: 11421

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: 5406

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: 1947

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: 40857

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: 3563

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: 5231

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: 572

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: 11402

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: 11402

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: 1131

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: 4932

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: 4080

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: 910

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: 767

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.
by sergeant
Sat May 12, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage question: 20% down or larger down payment?
Replies: 47
Views: 4844

Re: Mortgage question: 20% down or larger down payment?

Thanks for all the responses guys. Preapproval is at 4.5% with 30 year mortgage and 20% down. But then again the preapproval is for an amount much larger than we need. Don't aim to be house poor. We are aiming for a home around the 500k mark. Our max loan amount is 400k with a 20% down payment but ...
by sergeant
Sat May 12, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ameriprise feedback needed
Replies: 9
Views: 833

Re: Ameriprise feedback needed

You can use the search function located in the upper right of this page.
by sergeant
Sat May 12, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Semi-windfall for a long-time Boglehead
Replies: 23
Views: 3061

Re: Semi-windfall for a long-time Boglehead

1) Seems a bit early for the CPA. 2) It all depends... you say it will increase your net worth by a factor of 2 or 3. What is your approx. net worth now? If you will be making several million with this windfall vs. a hundred grand my answer would be different. Generally I would just invest it per my...
by sergeant
Thu May 10, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice from Pension Fund Manager - Should I listen?
Replies: 39
Views: 1829

Re: Investment Advice from Pension Fund Manager - Should I listen?

Good points. I wanted to clarify he suggested ONLY SELLING THE GAINS and not getting completely out. You guys are definitely talking me down from the ledge even though I am 30yrs out from retiring. The "gains" of such a small portfolio are almost too small to have any real impact on your long term ...
by sergeant
Thu May 10, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 7191

Re: [Golf ball] cracked my house window. Do I have any recourse?

I lived on a course for 7 years. My rear patio was in a perfect spot and we rarely got balls from that side. The front of our place was another story. It was about 225 yards from the 18th tee. Everyone with a bad slice would hit the roof of the garage or side of our townhome. After a ball came throu...
by sergeant
Wed May 09, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 6663

Re: Resignation letter

Did your wife ask for your "help"? I bet she can handle this fine on her own. Too many times us guys try to solve problems that aren't really a problem and just end up involved in something we shouldn't have stuck our noses into. Do you think I want to get involved? Far from that but what can a guy...
by sergeant
Tue May 08, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 6663

Re: Resignation letter

Did your wife ask for your "help"? I bet she can handle this fine on her own. Too many times us guys try to solve problems that aren't really a problem and just end up involved in something we shouldn't have stuck our noses into.
by sergeant
Thu May 03, 2018 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance is getting complicated
Replies: 32
Views: 5198

Re: Inheritance is getting complicated

You will have little or no tax consequences from this inheritance. You don't need to be in a hurry to do anything. In reading between the lines I suggest absolutely not mingling the inherited assets with your husband.

And really this isn't complicated.
by sergeant
Mon Apr 30, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Dilbert Creator: If everyone indexed...
Replies: 39
Views: 7011

Re: Dilbert Creator: If everyone indexed...

This thread was started 4 years ago.
by sergeant
Sat Apr 28, 2018 4:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1433847

Re: U.S. stocks in freefall

cfs, can you please stop posting the same thing over and over? Thank you for the note, y gracias por leer / cfs The repetitive posting is annoying to me as well... Many of the other posts on here are pretty repetitive - on days when stocks are up people ironically post "what freefall?" When stocks ...
by sergeant
Fri Apr 27, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Would you critique my portfolio please? Thanks!
Replies: 14
Views: 1634

Re: Would you critique my portfolio please? Thanks!

I would look here at the 3 fund portfolio and start moving towards it. I'm not a big fan of so many funds. Your AA seems aggressive but I'm four years older and have "won the game" so feel comfortable at 50% equities/ 50% stable value, MM, and Cd's. About half of our equities are international. Many...
by sergeant
Fri Apr 27, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 64
Views: 9303

Re: Ameriprise :(

I've been reading Bogleheads every chance I get and although the plan is amazingly simple, getting there is going to be tricky :? I'm working on a post to request help with what to do with the positions currently under our control. We have things scattered all over and I'm still trying to work out ...
by sergeant
Fri Apr 27, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: PERS pension, should we do more Roth ?
Replies: 5
Views: 751

Re: PERS pension, should we do more Roth ?

Are you sure of the higher tax bracket? I'm not seeing it with a 40-50% pension and the size of your assets. I guess it's possible but not on the limited information provided.
by sergeant
Thu Apr 26, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 6610

Re: White Coat Investor Interviews Paul Merriman

I love this place! Thank you Mr. Merriman.
by sergeant
Thu Apr 26, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: More aggressive portfolio with a pension?
Replies: 42
Views: 3801

Re: More aggressive portfolio with a pension?

It depends! A pension (like mine) that provides 300% of your expenses could certainly allow someone to be more aggressive with their AA. A pension (like yours) that provides 40% of your expenses, not so much. You should probably pick an AA that you are comfortable with and meets your objectives in p...
by sergeant
Wed Apr 25, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9485

Re: How did you tell the boss you're leaving/retiring?

At my agency a list is kept and updated every month. It shows all employees age and start dates and when they reach max retirement. No reason to give notice as almost everybody left near max. You just send an email to HR and fill out some paperwork. No one has had a retirement party in two decades. ...
by sergeant
Wed Apr 25, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria used to make Roth Conversion decision
Replies: 48
Views: 4207

Re: Criteria used to make Roth Conversion decision

Bacchus01 wrote:
Tue Apr 24, 2018 6:32 pm
As a potential early retiree, whenever I run I-orp, irrespective of max marginal Roth Conversion bracket, it has me doing all my converting prior to age 55. Why is that?
I haven't run the program but maybe it wants quicker conversions to allow more time in Roth?
by sergeant
Wed Apr 25, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Max-funding an Index Universal Life policy to the IRS limit??
Replies: 108
Views: 6126

Re: Max-funding an Index Universal Life policy to the IRS limit??

Congratulations! I really, REALLY thought you were going to keep this stinker based on your replies to those of us who were negative on UL. A year or two from now you will look back and realize how fortunate you were to get out with only 9k gone. Stick around and learn how to properly invest for you...
by sergeant
Sat Apr 21, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much can mom spend on a house?
Replies: 11
Views: 1873

Re: How much can mom spend on a house?

Yes she can afford the 400k house, especially if her current furniture is coming with her.

I read the old thread. It was good to see some of the people who offered help. Some of them haven't been on here for years.
by sergeant
Sat Apr 21, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 5725

Re: Settlement Offer -- Accept or Wait?

I was in charge of our traffic division for almost five years and investigated loads of serious injury and fatal traffic collisions. It wasn't uncommon for serious injuries to manifest many weeks after the event. I even had several where a driver seemed fine for a few hours, collision seemed minor o...
by sergeant
Fri Apr 20, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 32136

Re: KF's simple rules to achieve FI

I don't think everyone needs to save 50% of their after tax income. For some early in their careers it might make more financial sense to pay down student loans...For others it might make sense to enjoy their early years by travelling more and enjoying their increased freedom before marriage or chil...
by sergeant
Thu Apr 19, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Is this annuity really as bad as I think it is? (Symetra Select 7)
Replies: 6
Views: 1202

Re: Is this annuity really as bad as I think it is? (Symetra Select 7)

What might you suggest to them? How about nothing! They are comfortable on their current income and don't seem to be asking for your assistance.
by sergeant
Wed Apr 18, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11649

Re: Quitting job - what to do if getting walked to the door

I can't believe people let themselves be led out while leaving personal items behind. I wouldn't allow it. I don't like people touching my stuff. It's not up to the employee in these situations. Security would be called if there is any "problem", and Security might be called routinely for the "esco...
by sergeant
Wed Apr 18, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Check my logic please (life insurance)
Replies: 19
Views: 1017

Re: Check my logic please (life insurance)

Your plan is logical. Good job!
by sergeant
Wed Apr 18, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11649

Re: Quitting job - what to do if getting walked to the door

I can't believe people let themselves be led out while leaving personal items behind. I wouldn't allow it. I don't like people touching my stuff.
by sergeant
Wed Apr 18, 2018 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Need help with where to invest with 2017 IRA contribution
Replies: 2
Views: 451

Re: Need help with where to invest with 2017 IRA contribution

You have accounted for 145% of your portfolio in your post? :oops:

Is it possible for you to follow the asking portfolio questions guidelines? If not check the wiki for information.