Search found 729 matches

by timboktoo
Sat Feb 08, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: I bought Consumer Reports lowest rated car...
Replies: 76
Views: 8930

Re: I bought Consumer Reports lowest rated car...

When you say it was the lowest rated, was it dramatically so?

- Tim
by timboktoo
Sat Feb 08, 2020 4:36 pm
Forum: Investing - Theory, News & General
Topic: Bonds in a low interest rate environment versus dividend stream on index funds
Replies: 60
Views: 2809

Re: Bonds in a low interest rate environment versus dividend stream on index funds

Even in a low interest rate environment, Mr. Bogle still recommended that investors purchase bonds. We purchase bonds as a means of reducing volatility, so that we are able to Stay the Course.

- Tim
by timboktoo
Wed Feb 05, 2020 5:29 pm
Forum: Investing - Theory, News & General
Topic: Why are you holding bonds
Replies: 161
Views: 10638

Re: Why are you holding bonds

I hold bonds because they help me to Stay the Course.

- Tim
by timboktoo
Mon Feb 03, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 15834

Re: Examples of Low Tech Improving Your Life

BionicBillWalsh wrote:
Fri Jan 31, 2020 5:07 pm
If you're ever training for an Ironman Triathlon, get a Reel Mower. Otherwise, use modern technology instead.
I did that one summer. My neighbor looked at me like I was crazy. After a few weeks, I realized why. It was awful.

- Tim
by timboktoo
Mon Feb 03, 2020 7:56 pm
Forum: Personal Investments
Topic: Taxable Account - Growth NOT Value
Replies: 9
Views: 721

Re: Taxable Account - Growth NOT Value

I would recommend searching the archives. Transitions from taxable investments should be done with care. I do not personally do any taxable investing, so I've paid very little attention to such threads. But I would think that at a very minimum you would cease the re-investment of dividends into thes...
by timboktoo
Mon Feb 03, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 146
Views: 9830

Re: Books that changed your life

Leadership and Self-Deception
The Total Money Makeover
Getting Things Done
Behave
Atlas Shrugged
by timboktoo
Sun Jan 26, 2020 6:28 pm
Forum: Investing - Theory, News & General
Topic: Equity returns over the next 40 years
Replies: 87
Views: 4888

Re: Equity returns over the next 40 years

I assume a real return of 3% for my portfolio over my investing lifetime. I have no idea what will actually happen.

- Tim
by timboktoo
Sat Jan 25, 2020 6:32 pm
Forum: Investing - Theory, News & General
Topic: Emerging stocks vs bonds
Replies: 19
Views: 991

Re: Emerging stocks vs bonds

I don't know. I would have believed that stocks always outperform bonds over long periods of time, but there was a 30 year period recently in the states where 10 year treasuries outperformed the market, if I remember correctly. I think that the right answer is that it's unknowable.

- Tim
by timboktoo
Fri Jan 24, 2020 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: I am not very good at my job
Replies: 48
Views: 7780

Re: I am not very good at my job

I think that you're going to have to figure out what the truth is. I recommend that you spend a day alone reflecting on what's going on inside of you. Identify each feeling you're experiencing and be honest about where it is coming from. Go deeper than you normally do. Sometimes, when a life problem...
by timboktoo
Fri Jan 24, 2020 9:07 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 2875

Re: Happy Birthday Taylor! 96 years young!

Taylor,

Happy Birthday! You have always impressed me. You're a good role model of what a man ought to be. I'm very happy that you walk this Earth.

Thank you for everything you give.

- Tim
by timboktoo
Thu Jan 23, 2020 9:34 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 22886

Re: Sad news: LadyGeek's husband has passed

I'm sorry. Thank you for sharing what you've learned.

- Tim
by timboktoo
Mon Jan 20, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: to pre-nup or not?
Replies: 133
Views: 11588

Re: to pre-nup or not?

Marriage amplifies what you're already experiencing in your relationship, both the good and the bad. Marriage provides you both with opportunities to work through smallness of your character - to become better people. That can go well if you're both ready for that, or it can go very badly if you're ...
by timboktoo
Sat Jan 18, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 175
Views: 10002

Re: 2020 Hedge Fund contest

It would be interesting to know the thinking behind people's choices. A lot of use (myself included) went for obvious things like Apple, Tesla. For myself, my choices were based mostly on ignorance and fairly obvious hunches (it's in my prospectus). But the choices of companies that I've never hear...
by timboktoo
Tue Jan 14, 2020 9:50 pm
Forum: Non-US Investing
Topic: How to replicate an index tracker with individal stocks
Replies: 26
Views: 1785

Re: How to replicate an index tracker with individal stocks

Though Berkshire Hathaway is an excellent company, it would be very risky to invest much of your wealth in a single stock.

You might benefit by searching the archives.

- Tim
by timboktoo
Sat Jan 11, 2020 10:12 am
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 175
Views: 10002

Re: 2020 Hedge Fund contest

Name: Perfectly Safe Money Management
Long: BRK.B
Short: GME

- Tim
by timboktoo
Sat Jan 04, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: What do fellow savers and frugalateers think
Replies: 19
Views: 2486

Re: What do fellow savers and frugalatiers think

I think that when we try to find contentment in spending or in saving, we experience the pains of an extreme. Contentment is found in the balance, in an enlightened understanding of our needs. With 75% of your paycheck going to housing, you are experiencing what it's like to be "house poor". Write d...
by timboktoo
Thu Jan 02, 2020 8:39 pm
Forum: Personal Investments
Topic: Emergency Fund vs Line of Credit
Replies: 20
Views: 1832

Re: Emergency Fund vs Line of Credit

Think back on why you created an emergency fund to begin with. Review your IPS. Step back from your situation and the recent past and consider the final target you're aiming at. In my own experience, I have never found peace when my emergency fund was invested. My IPS specifically forbids me from in...
by timboktoo
Thu Jan 02, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 250
Views: 24816

Re: 2019 Hedge Fund Contest

Thank you! That was fun to watch.

- Tim
by timboktoo
Fri Dec 27, 2019 12:18 am
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: Enough is Enough!
Replies: 289
Views: 30898

Re: White Coat Investor: Enough is Enough!

I can't think of a practice more important in my life than mindfulness. Understanding my feelings, rather than being ruled by them, seems to me to be the key to avoiding maladaptive behaviors, including unhealthy actions taken with money.

- Tim
by timboktoo
Mon Oct 21, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: Wifi in 3000 sq ft house and garage
Replies: 41
Views: 3666

Re: Wifi in 3000 sq ft house and garage

I have been thinking about buying Google's wifi product as well. They just released a new version of it called Nest Wifi, which you can pre-order in Google's store website. I also have a 3000 sq. ft. home. I am hoping to get the 3 piece set (1 router and 2 access points) for $350. The access points ...
by timboktoo
Wed Aug 07, 2019 9:35 pm
Forum: Investing - Theory, News & General
Topic: Is anyone running 50/50 stock bond who is younger?
Replies: 45
Views: 4810

Re: Is anyone running 50/50 stock bond who is younger?

I think it's reasonable, if it satisfies your need and willingness to take risk. Please be careful not to rely too strongly on backtesting. Calculate your returns conservatively. It's tempting to look at the history of markets over a long period of time and think that you're looking the nature of ma...
by timboktoo
Mon Jul 29, 2019 4:36 pm
Forum: Personal Investments
Topic: 3 Fund Portfolio - Asset Allocation?
Replies: 7
Views: 932

Re: 3 Fund Portfolio - Asset Allocation?

This is a highly personal question. It's something that you'll have to figure out together, based on your need and willingness to take risk. There isn't a right answer, and since the future is unknowable, there isn't any way to guide you to the best allocation. Bogle was a proponent of Age in Bonds,...
by timboktoo
Sat Jun 22, 2019 10:51 am
Forum: Investing - Theory, News & General
Topic: The End of Passive Investing?
Replies: 55
Views: 5547

Re: The End of Passive Investing?

I think that any time you are about to execute a change in your portfolio based on fear or anxiety, it's a good time to take a step back, re-read your Investment Policy Statement and think on the subject for a few days in quiet: https://www.bogleheads.org/wiki/Investment_policy_statement Every year ...
by timboktoo
Sun Apr 28, 2019 4:20 pm
Forum: Investing - Theory, News & General
Topic: John Rekenthaler, "Whatever Happened to Emerging-Markets Stock Funds?"
Replies: 48
Views: 5805

Re: John Rekenthaler, "Whatever Happened to Emerging-Markets Stock Funds?"

gjlynch17 wrote:
Fri Apr 26, 2019 4:02 pm
The timing of this article is interesting. The valuations and expected returns of Emerging Markets stocks are attractive relative to U.S. equities.
I was thinking the same thing.

- Tim
by timboktoo
Thu Apr 04, 2019 7:32 pm
Forum: Non-US Investing
Topic: Your opinion on debt?
Replies: 111
Views: 7961

Re: Your opinion on debt?

Debt can increase risk. Debt can increase reward. I think that it's a very personal decision. I personally prefer to be debt-free.

- Tim
by timboktoo
Wed Jan 16, 2019 6:35 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58964

Re: John Bogle is dead at 89

Thank you, Jack. You've made a big difference in my life.

- Tim
by timboktoo
Sat Jan 12, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 242
Views: 14800

Re: Disciplined with finances, but not so with diet

Your body knows what you need. Listen to it. Your body will tell you when you need to eat. When you're not hungry anymore, then you should stop eating, even if you have more food on your plate. That said, take care not to put more on your plate than your intuition says you need, obviously :) Your bo...
by timboktoo
Sat Jan 05, 2019 11:01 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 250
Views: 24816

Re: 2019 Hedge Fund Contest

Name: All you can eat Buffett Buffet

Long: BRK.B

- Tim
by timboktoo
Thu Jan 03, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: The Future of Investing & And where the market is going
Replies: 32
Views: 3352

Re: The Future of Investing & And where the market is going

We don't know what's going to happen in the future. As much as we want to turn our brains onto solving that problem, they are ill-equipped for the task. So I would suggest that you focus instead on building a portfolio that can help you meet your goals and also let you sleep at night. The portfolio ...
by timboktoo
Wed Nov 28, 2018 3:16 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10813

Re: How did YOU choose your career?

My Dad taught me what he knew about programming when I was 11. It was fun and interesting to me, so I pursued it naturally. I didn't choose my career intentionally, I just kept taking jobs doing programming work from the time I was 17 onwards and people kept paying me to do something which I found f...
by timboktoo
Tue Mar 27, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 8897

Re: Concerns with Vanguard

My cynical side is nervous about something that's gaining in popularity, however well-deserved it may be. Everything has a life cycle. Although I cannot foresee a greater invention for the average investor than the market cap-weighted, total stock market index fund, I doubt it will be the last step ...
by timboktoo
Tue Feb 20, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Married Filing Separately - Roth IRA oops
Replies: 13
Views: 1219

Re: Married Filing Separately - Roth IRA oops

The loan is also forgiven after 20 years, if you follow pay as you earn. The amount you pay could theoretically be lower than the original loan in cases like my wife's, since she makes so little. That's why we originally chose this course to begin with.

- Tim
by timboktoo
Tue Feb 20, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Married Filing Separately - Roth IRA oops
Replies: 13
Views: 1219

Re: Married Filing Separately - Roth IRA oops

The penalty of filing jointly in this case is that her student loan payment will rise greatly, as it would be based on dual incomes and mine is considerably higher than hers. We had chosen the path we did (filing separately) as a means of keeping her student loans from impacting us both. She's in th...
by timboktoo
Mon Feb 19, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Married Filing Separately - Roth IRA oops
Replies: 13
Views: 1219

Married Filing Separately - Roth IRA oops

I just recently filed Married Filing Separately but didn't realize that this meant I was excluded from Roth IRA contributions for 2017. We filed separately because she has a student loan that's setup as Pay As You Earn. Loan amount: $57,000 Interest rate: 7% So, now we're talking about how to deal w...
by timboktoo
Mon Feb 12, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking career advice - Software Engineer
Replies: 34
Views: 3578

Re: Seeking career advice - Software Engineer

Thank you all very much for taking the time to give advice. There is much to think about.

- Tim
by timboktoo
Sun Feb 11, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking career advice - Software Engineer
Replies: 34
Views: 3578

Seeking career advice - Software Engineer

I am a software engineer at a company that has recently had a reorganization. My boss, his boss and his boss were all laid off or forcefully repositioned. Some of my coworkers were let go. My coworkers and I are all very upset. This appears to be a cost-cutting initiative, even though the company is...
by timboktoo
Tue Dec 26, 2017 11:56 am
Forum: Personal Investments
Topic: Do you have trouble standing firm on your asset allocation?
Replies: 45
Views: 4906

Re: Do you have trouble standing firm on your asset allocation?

Say you've got two people that were able to hit their retirement goals and one makes a few hundred thousands dollars more than the other one does on their investments, due to getting a compounded return that's 1% higher. First, I think that many people have a tendency to look only at the relative pe...
by timboktoo
Sun Dec 10, 2017 1:46 am
Forum: Personal Investments
Topic: Bitcoin IRA
Replies: 28
Views: 3322

Re: Bitcoin IRA

Mr. Bogle suggests that we "Avoid Bitcoin like the plague".

- Tim
by timboktoo
Tue Dec 05, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 2534

Re: Running Linux vs Other OS?

What, specifically, are you wanting to do with the machine?

- Tim
by timboktoo
Sat Nov 25, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: First Mortgage Payment - WWBHD? [What Would a BogleHead Do]
Replies: 15
Views: 2014

Re: First Mortgage Payment - WWBHD?

Assuming that you: 1. Have an emergency fund that's large enough to make you comfortable 2. Believe that you are on track for retirement already 3. Are maxing out retirement accounts 4. Have paid down any non tax deductible debt 5. Have taken care of your family's needs 6. Have saved properly for an...
by timboktoo
Tue Oct 24, 2017 10:00 pm
Forum: Personal Investments
Topic: Investing in muni index funds- what to look for
Replies: 4
Views: 1004

Re: Investing in muni index funds- what to look for

Whether or not it's a good strategy depends a number of things. I would suggest that you provide more information about your circumstances, perhaps by using the format illustrated here: https://www.bogleheads.org/forum/viewtopic.php?t=6212 Knowing your tax filing information and the state in which y...
by timboktoo
Tue Jul 25, 2017 10:14 pm
Forum: Investing - Theory, News & General
Topic: Are bitcoins nonsense?
Replies: 73
Views: 8306

Re: Are bitcoins nonsense?

There are several posts on Bitcoin in the archives which may or may not be of interest to you:

https://www.google.com/search?sitesearc ... &q=bitcoin

- Tim
by timboktoo
Fri Jul 21, 2017 12:38 am
Forum: Personal Consumer Issues
Topic: Scripters/Coders - Wanting to Learn
Replies: 17
Views: 2084

Re: Scripters/Coders - Wanting to Learn

Different languages exist for different reasons. There isn't any one language that's superior to the others. I would pick whatever you're most interested in. Passion about programming will get you far, and we all have different tastes when it comes to code.

- Tim
by timboktoo
Fri Jul 07, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Stocks and Bonds both declining.
Replies: 60
Views: 7358

Re: Stocks and Bonds both declining.

While I wish that there was a strong negative correlation between stocks and bonds, there isn't. They are also two assets among many. They just happen to be the most investable assets in retirement accounts. There is no such thing as perfect protection from inflation. All assets can fail you when yo...
by timboktoo
Thu Jul 06, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score much lower than expected: 711
Replies: 21
Views: 2346

Re: Credit score much lower than expected: 711

Jags4186 wrote:The *only* way to get the above scores is from either purchasing it from myfico.com or having a mortgage lender run you a report and give it to you.

Vantage Score is not FICO.
Alright. Thanks!

- Tim
by timboktoo
Thu Jul 06, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Credit score much lower than expected: 711
Replies: 21
Views: 2346

Re: Credit score much lower than expected: 711

This score is from Chase's Free Credit Score software. Here's an excerpt from their site: The score provided to you is the VantageScore® 3.0 Credit Score based on TransUnion data. This score may differ from other scores you may have seen, as there are other providers and scores in the market. Chase ...