Search found 926 matches

by goblue100
Fri Sep 13, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 5659

Re: Whistleblowing / Going Rogue at Work

Totally doesn't seem worth the risk. There's a non-zero chance you're walking straight into a layoff. Not saying that's the case, but even if it's "only" a small chance.... While I agree there is at least some chance he just wants to get rid of the mole in his company, he may want to reward you or ...
by goblue100
Mon Sep 09, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 43
Views: 2908

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

In TX you were lucky to get a few seasons on them, I've lived and owned a house in Dallas area for 30 years. I've had a capacitor go bad twice in that time. The first time I paid for an AC tech to do the replacement, the second time I did it myself. It's not something I would replace preemptively. ...
by goblue100
Mon Sep 09, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Have you been doing better than your parents?
Replies: 30
Views: 2069

Re: Have you been doing better than your parents?

I would say we are doing financially better than my parents. My parents raised 6 kids in a 1300 SF house. We raised one child in a 2600 SF house. We would have liked one more child, but never happened for us. I expect my child will do as well, but with assistance from us more than likely.
by goblue100
Mon Sep 09, 2019 7:01 am
Forum: Investing - Theory, News & General
Topic: Trouble logging on to Vanguard in the last week...
Replies: 12
Views: 817

Re: Trouble logging on to Vanguard in the last week...

Worked fine for me. It sounds like some of you have a page bookmarked that has changed. If you go here:
https://investor.vanguard.com/my-account/log-on

Does it work any better?
by goblue100
Thu Sep 05, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 6906

Re: First-hand experiences with United Basic Economy for families?

I'm surprised so many people here are blaming the consumers for an issue that is due to the airlines greed in charging for something that used to be free, and should be free. When they sell seats, they should be required to assign you a seat. Problem solved. If you don't like the seat assignment, yo...
by goblue100
Thu Sep 05, 2019 12:05 pm
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 61
Views: 7528

Re: Learnings/Regrets from last two recessions

I pretty much did the right thing, except in 2000-2001 I was all over the place, moving money in and out of the market. I finally took a deep breath, held my nose and moved it back in before the recovery gained much steam. I doubt that I did any better than the market, but probably didn't do any wor...
by goblue100
Sun Sep 01, 2019 8:15 pm
Forum: Personal Investments
Topic: My urge to to time the market... maybe
Replies: 22
Views: 2445

Re: My urge to to time the market... maybe

With apologies to Leslie Gore: It's my money and I'll time if I want to, time if I want to, time if I want to. I'm normally anti timing, but if you've won the game and want to go to 10 / 90, I think you've earned the right. You can always change to a more aggressive stance in the future should condi...
by goblue100
Thu Aug 29, 2019 3:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1506
Views: 149411

Re: U.S. stocks continue to soar!

According to CNBC, best two day rally since June! Who saw this coming?
by goblue100
Thu Aug 29, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2552

Re: Maui Honeymoon Daily Spending Budget

Dont miss the sunrise on Haleakala... Enjoy! I've never done the sunrise on Haleakala. We didn't want to get up at 4AM, so we took our time, drove up the volcano in the afternoon and watched the sunset. It was quite impressive and we weren't deprived of any sleep! :happy I can't compare it and I ma...
by goblue100
Wed Aug 28, 2019 5:59 am
Forum: Personal Investments
Topic: 3.7 ml and 60/40. Retiring 10/2020. AA 60/40 but 0 Treasuries
Replies: 28
Views: 3231

Re: 3.7 ml and 60/40. Retiring 10/2020. AA 60/40 but 0 Treasuries

It appears that your sustainable withdrawal rate is very, very conservative already (on the order of 1 - 2%). With that in mind, it seems you’ve “won the game” already. If you want to de-risk, feel free. As an alternative to shifting to more treasuries, consider shifting your asset allocation to a ...
by goblue100
Tue Aug 27, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 153
Views: 17142

Re: 4M 70K expenses would you stop?

So, let's assume $4 million in a 60/40 allocation becomes $2.8 million in 2021 when a 2008 type drop occurs. With a $4 million portfolio and 70k a year spending, why would you have a 60/40 portfolio? If you have the game won, quit playing. They could buy tips, CD's to keep up with inflation. They c...
by goblue100
Tue Aug 27, 2019 12:48 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 116
Views: 11595

Re: VTIAX International fund - should I give up on it?

Like many, I have an international fund in my portfolio for diversification. Unfortunately, it seems like this play does nothing but consistently bring the rest of my portfolio down. What are your thoughts on VTIAX? After recent event it's pretty much given back all gains for the year and it seems ...
by goblue100
Tue Aug 27, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 153
Views: 17142

Re: 4M 70K expenses would you stop?

goodenyou wrote:
Tue Aug 27, 2019 7:21 am
goblue100 wrote:
Tue Aug 27, 2019 7:07 am
I know this thread is over, but if they can't retire at 58 with 57 years of expenses in the bank, then who can ever retire?
I don't think it's a matter of could, but would.
I'll never know, because I would have retired at 53 with 2 million.
by goblue100
Tue Aug 27, 2019 7:07 am
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 153
Views: 17142

Re: 4M 70K expenses would you stop?

I know this thread is over, but if they can't retire at 58 with 57 years of expenses in the bank, then who can ever retire?
by goblue100
Mon Aug 26, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Retirement Expenses Rule of Thumb
Replies: 51
Views: 4058

Re: Retirement Expenses Rule of Thumb

Thank you for the responses albeit I still haven't gotten a particularly satisfactory answer. So I'll rephrase the question: How much after-tax dollars per year does one retiree need to live a fairly comfortable retirement ? Assume it is neither a HCOL nor a LCOL (say just neutral or average COL). ...
by goblue100
Fri Aug 23, 2019 1:06 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 26
Views: 3252

Re: Roll Call for the Retirement Class of 2020!

Thank you for doing this. I enjoy reading this list and seeing how people decide to retire and what are their situations (age, career, spouse, etc.) I have been on this board for many years and learned all the investment tricks (actually only one, stay the course). Information relevant to real peop...
by goblue100
Thu Aug 22, 2019 6:41 am
Forum: Personal Investments
Topic: $1M cash: how to invest
Replies: 40
Views: 3456

Re: $1M cash: how to invest

Trying to get some advice on how to invest a $1M cash inheritance? I don't need the funds in the short-term. My fee-only advisor is suggesting I invest it all lumpsum into index funds 70/30 allocation. I am a 37 y/o physician. Overall financial picture: $3.5M net worth including personal home. Only...
by goblue100
Tue Aug 20, 2019 7:16 am
Forum: Investing - Theory, News & General
Topic: Confused, bummed, and concerned
Replies: 74
Views: 10500

Re: Confused, bummed, and concerned

Recently read JL Collins Simple Path to Wealth where he basically recommends the Bogleheadian (?) portfolio of simple indexes of stocks and bonds, keeping cost low, and staying the course. He touts "Over the 40 years from January 1975- January 2015 the market has averaged an annual return of ~11.9%...
by goblue100
Thu Aug 15, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: Why is market timing bad in this case?
Replies: 52
Views: 3197

Re: Why is market timing bad in this case?

My point would be people have been making this argument since at least 2013, if not earlier. Lets compare returns between the US stock market and a short term bonds over that time: https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=2013&firstMonth=1...
by goblue100
Thu Aug 15, 2019 7:33 am
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 814
Views: 92455

Re: That's enough for me in 2019

Haven't updated since mid-May. Used the downturn in late May / early June to rotate from long term bonds to equities (mostly int'l). This would have more credibility if you had posted it in late May / early June. And if you sold long bonds in May and June you've missed out on some really nice bond ...
by goblue100
Tue Aug 13, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 8868

Re: Critique my exercise routine because it's not working for me

NHRATA01 wrote:
Tue Aug 13, 2019 1:50 pm
Has Starting Strength been brought up yet? Apologies as I'm a late comer and I've read through most the first and then third pages.
Starting Strength per say was not brought up, but many advocates of heavy weight training ITT.
by goblue100
Tue Aug 13, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 8868

Re: Critique my exercise routine because it's not working for me

You are eating way too many calories. Diet is 80% of weight loss. Cardio is for heart health primarily. I lost 25 lbs without one second of cardio. How? Ate 500 calories less than my maintenance # each day. Lost 1 lb a week over 25 weeks. I agree with this post, but you want to make sure to avoid t...
by goblue100
Tue Aug 13, 2019 6:57 am
Forum: Personal Investments
Topic: Can having wealthy parents be a justification for a more aggressive investment strategy?
Replies: 97
Views: 7199

Re: Can having wealthy parents be a justification for a more aggressive investment strategy?

At 30 I was pretty much 100% stocks, so I'm not sure what you are talking by riskier? Bitcoin? Leverage? I would say no to the first. I might say yes to the second, but I'm not sure I would do it now (yes, I know that's market timing) If I was in your shoes I wouldn't change my AA. I MIGHT change ho...
by goblue100
Tue Aug 13, 2019 6:41 am
Forum: Personal Investments
Topic: Should Bonds be removed from Asset Allocation
Replies: 49
Views: 3530

Re: Should Bonds be removed from Asset Allocation

Any fixed income type would be acceptable if you don’t like bonds. I personally stay the course. I’m boring that way and my crystal ball is in the shop. :-) + 1, our time machine is broken. We use Vanguard Intermediate-term Bond Index Fund (VBILX) and will stick with that. +2. I use AGG for my inte...
by goblue100
Mon Aug 05, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?
Replies: 32
Views: 2626

Re: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?

As noted, you can't really go wrong no matter what you do. I'm in the process of aggressively paying off my $55,000 mortgage @ 3%. I decided that for me, at this point in my life, I'd rather have the mortgage gone than another $50,000 in the market or the bank. I think it's more a personal decision ...
by goblue100
Mon Aug 05, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 1768

Re: Pontoon Boat Recommendations?

I can't help with a boat review, but I have your theme song:

https://www.youtube.com/watch?v=V0O0nzkESTI

:happy
by goblue100
Thu Jul 18, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Why Personal Finance is not taught in Schools in the US
Replies: 59
Views: 2956

Re: Why Personal Finance is not taught in Schools in the US

Background for my question: I work in NYC and recently a couple of interns from an underprivileged background joined our team for a week. While discussing with them I found out that they had received Credit Cards with limits of $10K. One of the interns had used 1.5K and was making minimum payments ...
by goblue100
Mon Jul 15, 2019 2:29 pm
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 113
Views: 15058

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

I vote for A. If I understand it correctly it leads to slightly lower withdrawals to start off with, which eventually will correct. As I'm pretty conservative by nature, I likely would choose the lower withdrawals in the beginning.
by goblue100
Thu Jul 11, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6940

Re: Buying a Smoker

Unless this is going to be your true hobby and passion for many years, and not just a passing fad, then I would recommend an electric and ignore all the purists. I don't think we have had any purists in the thread. A purist would recommend a nice offset smoker for true BBQ. https://bbqpits.com/wp-c...
by goblue100
Wed Jul 10, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6940

Re: Buying a Smoker

I have to say, those folks saying the Smokey Mountain was too much work have never used the ECB. :happy On my smokey mountain in the first 5 or 6 hours of the cook the most I have to do is open or close a vent a half turn to stay in the 225-250 range. Now after 6 hours, it gets slightly more labor i...
by goblue100
Tue Jul 09, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6940

Re: Buying a Smoker

I started with an ECB (El Cheapo Brinkman) and could never get good consistent results. I upgraded to the Weber Smokey Mountain about 20 years ago. Still looks almost as good as new, and I'm able to turn out good consistent BBQ with pretty minimal fuss. My cousin bought a pellet fed grill smoker (Re...
by goblue100
Mon Jul 01, 2019 7:00 am
Forum: Personal Investments
Topic: Investing a windfall when the market is at “an all-time high?”
Replies: 33
Views: 3899

Re: Investing a windfall when the market is at “an all-time high?”

The market as measured by the S&P 500 was at an all time on March 28th 2013. If you had been asking yourself this question then, in hindsight what would the correct answer have been? Why will it not be the same going forward? https://en.wikipedia.org/wiki/Closing_milestones_of_the_S%26P_500#The_Mid_...
by goblue100
Thu Jun 20, 2019 1:18 pm
Forum: Investing - Theory, News & General
Topic: I'm still young but...
Replies: 31
Views: 4603

Re: I'm still young but...

I would say this seems quite similar to about 1996, when Alan Greenspan gave his "irrational exuberance" speech.
https://en.wikipedia.org/wiki/Irrational_exuberance

Does that mean we have 3 or 4 years to go before a crash? Who knows? Set it and forget it.
by goblue100
Mon Jun 17, 2019 9:32 am
Forum: Personal Investments
Topic: Alternative to $3,000 minimums at Vanguard
Replies: 13
Views: 932

Re: Alternative to $3,000 minimums at Vanguard

Just do a Target date fund until you have at least $9000 in your account. Or start with VTSAX and add other funds when you have enough money.
by goblue100
Mon Jun 17, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6944

Re: How to avoid high vet bills?

Do you board him? If not he doesn't need the kennel cough. Other than that I would say it is the cost of responsible pet ownership and the fee's seem in line with what I pay.

Edit: Also, if he has been on heartworm preventive I would question the need for the heartworm test.
by goblue100
Fri Jun 14, 2019 6:11 am
Forum: Personal Consumer Issues
Topic: Alternatives to car rental for three months?
Replies: 57
Views: 4097

Re: Alternatives to car rental for three months?

Do you need a car? Between public transportation and Uber you might do better if you are not driving every day.
by goblue100
Thu Jun 13, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2915

Re: The UP in August....What to do, Where to stay?

I assume by UP you mean the Upper Peninsula of Michigan? I haven't been there in quite a while, but tahquamenon falls is quite nice. https://www.michigan.org/property/tahquamenon-falls-state-park Also, the Soo locks might be interesting for kids to see. https://www.michigan.org/property/soo-locks-bo...
by goblue100
Wed Jun 12, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 85
Views: 4234

Re: "Help Is Almost Here for Retirement Savers"

If longevity risk was a real problem, then annuities wouldn't exist. Isn't this the same as saying if car crashes were a real problem, car insurance wouldn't exist? Variable annuities are overly expensive, overly complex and frowned upon. Immediate annuities may have a place in prudent retirement p...
by goblue100
Tue Jun 11, 2019 4:25 am
Forum: Investing - Theory, News & General
Topic: Pay Growth vs Stock Market Returns
Replies: 26
Views: 2029

Re: Pay Growth vs Stock Market Returns

I don't think income growth has anything to do with it. People invest in the stock market to get a (hopefully) greater return than they get other places. Some people would prefer to invest in real estate. But the whole idea is to get some growth on their savings. True, if my income is so great relat...
by goblue100
Sat Jun 08, 2019 6:20 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 369
Views: 47451

Re: Roll Call for the Retirement Class of 2019!

Congrats to all the 2019 retirees! I made a decision recently that my last day will be in 599 days. Early 2021. I guess that thread will start in a year or so, but I couldn't wait to share, lol. :happy
by goblue100
Thu Jun 06, 2019 8:00 am
Forum: Investing - Theory, News & General
Topic: "Stay course" conflicts: Help me understand.
Replies: 10
Views: 1322

Re: "Stay course" conflicts: Help me understand.

I pretty much have invested according to Bogleheads principles long before I ever heard of Bogleheads. I don't remember where I first read it, sometime in the early 90's I guess, but I recall always thinking that more money is lost by people moving money in and out of the market then just leaving it...
by goblue100
Mon Jun 03, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 10696

Re: How did you all do in the month of May, 2019

Doom&Gloom wrote:
Mon Jun 03, 2019 10:31 am
AtlasShrugged? wrote:
Mon Jun 03, 2019 7:04 am
Down 2.9%.....BFD. I just take it in stride.
So you just shrug it off?
If he can't, who can? :happy

May not so good, but so far I'm up in June.
by goblue100
Thu May 30, 2019 6:39 am
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 223
Views: 15794

Re: Market timers thread

It's not. Then again, I also don't see anywhere on the wiki that the 3 fund portfolio is the only solution within the Bogleheads philosophy, either. And yet, there are endless disagreements here about any other ideas that aren't 3-fund: slice/dice, tilting, factors, rebalncing methods, withdrawal m...
by goblue100
Thu May 30, 2019 3:13 am
Forum: Personal Consumer Issues
Topic: Hyundai Sonata for college.
Replies: 31
Views: 2133

Re: Hyundai Sonata for college.

I'm on my third Sonata. I wrecked one, and walked away from it without a scratch. I've driven 150,000 miles in them over the last 10 years. They just keep getting better and better. Many people say Toyota's and Honda's are "better". If better means more expensive for less features I agree with them.
by goblue100
Thu May 30, 2019 3:03 am
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 223
Views: 15794

Re: Market timers thread

This thread got completely ruined by “stay the course” posters. This board is dedicated to the proposition that you can't successfully time the market. I think that to not expect backlash to a market timing thread is a little naive. 3) why the need to go tell other people what to do with their mone...
by goblue100
Mon May 27, 2019 7:49 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12849

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

With your (PJW) permission, here's an excerpt from your link. I encourage anyone who hasn't read the two links that "PJW" provided to look them over. Some good stuff to chew on. Like this: Up to 25 times expenses: 70/30 Above 25 but below 30 times expenses: 60/40 Above 30 but below 35 times expense...
by goblue100
Thu May 23, 2019 12:42 pm
Forum: Personal Investments
Topic: Retirement goal seems far away
Replies: 25
Views: 2121

Re: Retirement goal seems far away

Be careful that you do not wish your life away. It was spring, but it was summer I wanted, The warm days, and the great outdoors. It was summer, but it was fall I wanted, The colorful leaves, and the cool, dry air. It was fall, but it was winter I wanted, The beautiful snow, and the joy of the holi...
by goblue100
Wed May 22, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 5257

Re: I evaluated taking SS at age 62 versus age 70

investingdad wrote:
Wed May 22, 2019 8:31 am

Some starting data:
- I'm 45
- will stop working at 54
i'm all for long term planning, but I suggest looking at this in about 15 years.
by goblue100
Wed May 22, 2019 6:11 am
Forum: Personal Finance (Not Investing)
Topic: How much house (% of NW) should a retiree have?
Replies: 16
Views: 2013

Re: How much house (% of NW) should a retiree have?

I'm just wondering if there is any general guideline as to how much house, as a percentage of net worth, a retiree should have. My inclination is to get a place roughly comparable to my current one. But would it be wise to aim higher... $400K, maybe, or more? I don't know if there is a rule of thum...
by goblue100
Tue May 21, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when you have enough?
Replies: 31
Views: 4160

Re: What to do when you have enough?

The simple answer is to set up 3.5% withdrawal plan. That should last her at least 50 years. You can get a lot more complicated than that depending on how "huge" the amount is and her desires on what to do with money.