Search found 471 matches

by goblue100
Wed May 23, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: Typical interest rate earned by target date funds in retirement?
Replies: 28
Views: 1776

Re: Typical interest rate earned by target date funds in retirement?

Bear in mind that during those 40 years, the value of your 4% will easily be halved by inflation. Perhaps your expenses will decrease, although with healthcare, I wouldn't count on it. I've been reading on this topic quite a bit, and the 4% "rule" for a 30 year retirement actually allows for inflat...
by goblue100
Tue May 22, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: How do you stop moving the goal posts.
Replies: 62
Views: 4472

Re: How do you stop moving the goal posts.

For the most part I don't think people would post here unless they got some sense of satisfaction or accomplishment from managing their finances in a way that is progressing toward their financial goals. Doesn't your plan include a draw down phase? Perhaps your new goal should be to withdraw and sp...
by goblue100
Mon May 21, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Using the 3% SWR While Still Working
Replies: 9
Views: 1122

Re: Using the 3% SWR While Still Working

I reached my 33x annual expenses three years ago and promptly changed my work status from full to part time (3 days a week). House was paid for, we have no debts and no need to continue to maintain the same saving rate. My SS benefits will kick in four years from now when I'm 70. Then I came to the...
by goblue100
Sun May 20, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 2865

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

Suggest you wait till you get to DFW area to get your tint. The tint shops are numerous there and it is not hard to find a well rated shop. Spend the extra money to get high quality tint material it is well worth it. This is good advice. Buy the lightest fabric clothes you can find. The summer in D...
by goblue100
Fri May 18, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 2865

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

FlyAF wrote:
Fri May 18, 2018 11:19 am
And I guess get used to these stupid stereo types. I live in an area with over 7 million people, can't remember the last time I saw a cowboy hat or gun rack.
+1

I drive a Hyundai Sonata, personally. Fit right in.
by goblue100
Thu May 17, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3612

Re: Vanguard Junk Bond fund

mikebee, what's not to like about it is that you might be crapping up a simple portfolio for no good reason, and kidding yourself that you've accomplished something important when all you've done is the same thing you could have done just tweaking up your stock allocation while staying in investmen...
by goblue100
Mon May 14, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can co-executor appoint an acting co-executor?
Replies: 7
Views: 570

Re: Can co-executor appoint an acting co-executor?

People can decline to serve as executor. Either your friend or the eldest son could decline and allow the other person to be sole executor. Does the will have contingent executors beyond the two co-executors? If not, then the court may have to appoint someone to take his place. I don't believe he ca...
by goblue100
Mon May 14, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 3979

Re: Good idea investing now in long term funds?

I think you might need to clarify your question. At least I didn't understand it. Are you perhaps talking about adding long term bonds to your portfolio?
by goblue100
Fri May 04, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Investing is more like poker than chess
Replies: 91
Views: 6101

Re: Investing is more like poker than chess

My point, which apparently I didn't make well enough in the OP, is that investing problems cannot be 'solved' in the traditional sense of the word. There is a strong element of chance and negative outcomes, even when done 'correctly'. A world champion of poker can easily lose lots of hands in a row...
by goblue100
Thu May 03, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Do you use computer glasses?
Replies: 16
Views: 1326

Re: Do you use computer glasses?

If you are using the Chrome browser, you can click on the magnifying glass with a + in it on the URL address line, and things will magically get bigger
by goblue100
Tue May 01, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2367

Re: Bicycle Questions

You might try Dicks sporting goods or REI. Dicks in particular has a lot of selections that might be in your sweet spot. Slightly better in quality and slightly more expensive then you might find at Wal Mart. I would be quite surprised if your lbs doesn''t have used or consignment bikes. Normally th...
by goblue100
Tue May 01, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2367

Re: Bicycle Questions

psteinx wrote:
Mon Apr 30, 2018 11:36 am
St. Louis area.
Don't get a bike at all. Use bike share:
http://www.stlbikeshare.org/

Don't have to store it, or worry about getting it stolen.

Edit: Should have read to the end of thread, I see someone else made same suggestion!
by goblue100
Thu Apr 26, 2018 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Chase $300 bonus for a new saving account
Replies: 23
Views: 2894

Re: Chase $300 bonus for a new saving account

I opened checking + savings with Chase about 18 months ago to get the $300+$200 offer. The agent was supernice; everything was taken care of in minutes and I never had a problem with depositing, nor withdrawing. This was my experience 2 months ago when I decided to move some money around to reap th...
by goblue100
Wed Apr 25, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2195

Re: Do you have a car w/o ABS?

jehovasfitness wrote:
Wed Apr 25, 2018 11:02 am

Maybe I'm being non-PC here, but a lot of that stuff seems to just help out bad drivers lol.. as in people not paying attention
Even the best driver can suffer from a moment of inattention.
by goblue100
Wed Apr 25, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: A Challenge To The 3 Fund Portfolio...The 2 Fund Portfolio
Replies: 32
Views: 3256

Re: A Challenge To The 3 Fund Portfolio...The 2 Fund Portfolio

So here's a follow up question for you, bearing in mind the crash course in Sharpe that you so kindly just provided... Let's say I have two portfolios that hold a) the exact same funds and b) the exact same % allocations within each of the equity sides and the fixed income sides, and the only diffe...
by goblue100
Wed Apr 25, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2195

Re: Do you have a car w/o ABS?

ABS isn't the only safety feature an older car doesn't have. Key active safety systems include: Automatic emergency braking (AEB): Brakes are automatically applied to prevent a collision or reduce collision speed. Forward-collision warning (FCW): Visual and/or audible warning intended alert the driv...
by goblue100
Wed Apr 25, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Help poke holes? Roger Ibbotson recommends a Fixed Index Annuity as a partial bond alternative.
Replies: 23
Views: 1584

Re: Help poke holes? Roger Ibbotson recommends a Fixed Index Annuity as a partial bond alternative.

Wait... I just realized you said "over 100%". Somebody promised you that a particular FIxed Index Annuity has no costs, no fees, no downside, and you can get OVER 100% of the index performance? Someone is lying to you. The single most reliable indicator of fraud is the promise of high return with l...
by goblue100
Wed Apr 25, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 10804

Re: Larry Swedroe: Financial Perils Of Old Age

This fits my in-laws: "Rosenblatt and Davis relate having heard people, usually the ones with the worst health habits, say something like, “I don’t care if I don’t live long, I just want to have a good time.” The same people naively believe that if you have a lifestyle and habits that leave you pron...
by goblue100
Tue Apr 24, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: A Challenge To The 3 Fund Portfolio...The 2 Fund Portfolio
Replies: 32
Views: 3256

Re: A Challenge To The 3 Fund Portfolio...The 2 Fund Portfolio

I've been using PV a lot lately. I found a great 2 fund portfolio. 33% small cap value and 67% Long bond. Too bad it's not 1974, https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=2&startYear=1972&endYear=2018&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflati...
by goblue100
Mon Apr 23, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: I am 62 year old with no bonds now. Need advice please.
Replies: 13
Views: 2275

Re: I am 62 year old with no bonds now. Need advice please.

Gill wrote:
Sun Apr 22, 2018 10:21 am
flounce wrote:
Sun Apr 22, 2018 9:15 am
I usually do 80% in stocks and 30% in bonds.
:happy
OP believes in making their money work that extra 10%.

Edit: I guess that could be true if one uses leverage.
by goblue100
Mon Apr 23, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9290

Re: Boglehead Philosophy Open To Change?

Most (not all) of the FIRE community is using dividend paying stocks to set themselves free. When I first started I went on the internet & started checking for success stories. Most (not all) of the millionaires I found were using dividend strategies. For example, Warren Buffett, Ronald Read (The J...
by goblue100
Mon Apr 23, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5486

Re: How long have you been unemployed?

Hmmm, I've been unemployed for 1 hour and 6 minutes as of this post. We lost our contract and last night was my last shift. Feels odd. I was planning on retiring this year, but I was sort of hoping to chose the exact date myself. :oops: Sorry to hear you didn't get to pick the date. If you are reti...
by goblue100
Mon Apr 23, 2018 7:07 am
Forum: Investing - Help with Personal Investments
Topic: In-laws financial advisor rip off
Replies: 35
Views: 4145

Re: In-laws financial advisor rip off

All of which means that you 5) have utterly no stake in this situation because it is their money 6) have no reason whatsoever to try to intervene in how they handle their money 7) will almost certainly regret any ensuing drama if you ignore points 5) and 6) You're welcome :wink: The thing is, I've ...
by goblue100
Sat Apr 21, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 5501

Re: Settlement Offer -- Accept or Wait?

I have no special knowledge or insight in this area, but I would wait. The worst that happens is you get the amount in a couple weeks. The best would be they may negotiate against themselves, and sweeten the offer.
by goblue100
Sat Apr 21, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: How do you compare VNQ vs SP500?
Replies: 18
Views: 1040

Re: How do you compare VNQ vs SP500?

But I still dont understand as an investor prospect why shouldn't I compare VINIX with VNQ? I understand one is an index fund the other is REIT index but why? At the end when you compare 2 instruments, we should look at total returns per year, right? Total return isn't everything. Some people want ...
by goblue100
Fri Apr 20, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: How do you compare VNQ vs SP500?
Replies: 18
Views: 1040

Re: How do you compare VNQ vs SP500?

VNQ is a REIT index fund, not an S&P 500 index fund. It's never tracked the S&P 500, and any time period that makes it appear that it did is just coincidence.
by goblue100
Thu Apr 19, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: How good are Vanguard bond funds?
Replies: 52
Views: 5236

Re: How good are Vanguard bond funds?

I'm not a Vanguard apologist, but I'm not sure what your list is showing. In this article: http://www.morningstar.com/articles/860001/our-favorite-core-passive-bond-funds-and-etfs.html Which was written today, Vanguard is all over the list. I have to assume they are not recommending funds that are w...
by goblue100
Thu Apr 19, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Why am I even holding BND? It has only been losing me money.
Replies: 62
Views: 8757

Re: Why am I even holding BND? It has only been losing me money.

So I've been indexing with maintenance of the following proportions: 60% VTI 30% VXUS 10% BND So 90% stock, 10% bond index portfolio. For last few years VTI and VXUS have been going fine, but BND is stagnating and even losing me money. Furthermore, bonds are in a bubble. So...any point even holding...
by goblue100
Thu Apr 19, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to 401K
Replies: 2
Views: 590

Re: Overcontribution to 401K

* I'm not a tax professional, but a google search showed me this. https://www.learnvest.com/2015/08/overcontributing-to-retirement-account Or you can leave the excess contributions in your IRA in order to carry them over toward next year’s contribution limit—making sure, of course, to lower your ong...
by goblue100
Mon Apr 16, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: 2017 Yale Endowment Report
Replies: 13
Views: 1046

Re: 2017 Yale Endowment Report

Ahh but with Yale, there really is a nearly 3 decade long track record of doing this better than other people. University Endowments are the highest performing investors in Private Equity, and Yale is the highest performing university endowment (large endowment). The may, of course, have gotten too...
by goblue100
Mon Apr 16, 2018 7:47 am
Forum: Investing - Theory, News & General
Topic: 2017 Yale Endowment Report
Replies: 13
Views: 1046

Re: 2017 Yale Endowment Report

In poker there is a term called fancy play syndrome. That is when a player falls in love with making big and strangely timed bluffs when a simpler, more straight forward strategy would do. Sounds to me like Yale is getting a case of fancy play syndrome. I live in the Dallas area, we have been bailin...
by goblue100
Mon Apr 16, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 16693

Re: Can I retire at age 40?

So what do I need to consider and learn about before giving up my job. My job isn't terrible. I just spend way too much time there (and one thing I'll try to do is scale back but they may not allow). Thoughts? advice? You could be planning for a 55 year retirement. If you have a 40 year old spouse ...
by goblue100
Sat Apr 14, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: HELP..not sure what to do at 55 YOA
Replies: 21
Views: 2906

Re: HELP..not sure what to do at 55 YOA

BurnedBefore wrote:
Wed Apr 11, 2018 4:21 pm

I got burned back in 1999 with a mutual fund I was told was a good buy. As soon as I bought it tanked. I waited 5 years and it tanked more so I pulled out. lost 60k.
Do you remember the mutual fund and what your initial investment was in 1999?
by goblue100
Sat Apr 14, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: What hedge strategies do you employ?
Replies: 29
Views: 2739

Re: What hedge strategies do you employ?

I did not come up with these on my own, but one of my favorite financial writers was Scott Burns. He came up with the several "couch potato" portfolios which employed various tilts. The two that I'm in are TIPS to hedge against unexpected inflation and energy to hedge against high energy costs. Both...
by goblue100
Sat Apr 14, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4764

Re: Bull Market Timing

The OP said that, but the people in the quotes you assembled were simply saying they were worried about investing when valuations had soared so dramatically, and were wondering what to do. To be clear, I assembled the quotes. Homer just liked them. :happy You either believe that investing is a wort...
by goblue100
Thu Apr 12, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4764

Re: Bull Market Timing

Given that a typical bull market run is about 4 years or so, remember that they were saying the same thing back in 2013. Pundits and analysts have been calling the end of the bull market for the last five years. Just to reinforce this point, I posted this 2 years ago: Take a look at some of these p...
by goblue100
Tue Apr 10, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Please Evaluate My Portfolio and Make Recommendations
Replies: 30
Views: 843

Re: What to do about Wife's Term Life Insurance Policy Nearing End?

So the question is, if you have no debt and we are retired and have sufficient assets to live on, do we really need life insurance anymore? Sorry to ramble so much about that, just wanted to throw it out there--what are your all's thoughts on term life insurance for retirees who really don't "need"...
by goblue100
Mon Apr 09, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Evaluation & Advice
Replies: 11
Views: 1026

Re: Portfolio Evaluation & Advice

1. Is the 90/10 split between stock/cash ok, given my investment time horizon? This will probably grow closer to 95/5 given the investment plan above. Wondering if I should go with more bonds. Initial thought is that I have a lot of time for the stocks to recover if they drop. As long as you underst...
by goblue100
Sat Apr 07, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy??? [Excess W-4 withholding, got large tax refund]
Replies: 31
Views: 3568

Re: Am I Crazy???

I don't know about crazy, but giving the government an interest free $1500 to $3000 a month loan isn't financially smart. But you seem to know the ins and outs of the consequences of your decision, so why do you need us to point it out to you? :) If you don't want the money in your account so you cu...
by goblue100
Sat Apr 07, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: "The Secret"
Replies: 19
Views: 2715

Re: "The Secret"

This was big 8 or 9 years ago, thanks to Oprah:
http://content.time.com/time/specials/p ... 98,00.html

As someone said, I think the real secret is extracting money from people wallets.
by goblue100
Sat Apr 07, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 39
Views: 4588

Re: Who uses the 3 fund portfolio ?

The "evolutionary path " for most investors is towards simplicity. Taylor I agree with this. A lot of people start with a potpourri of selections either just pulled from the air, or possibly through an adviser. As we gain knowledge, we start parring our redundant or nonsensical selections. I am not...
by goblue100
Fri Apr 06, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 2012

Re: 1st World Problem - Pet Insurance

brandy wrote:
Thu Apr 05, 2018 10:42 pm
but rather than set up a savings account just for animal emergencies, it was thought that would be a more rational thing to do. Again, long ago, so conditions probably changed. Just sayin'
I agree with this. Just self insure at $20 a month.
by goblue100
Fri Apr 06, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1404471

Re: U.S. stocks in freefall

Interesting idea. Poker is an even better analogy, I think. In poker the amateur or poor player will win some hands, and get lucky sometimes and win quite a lot of hands. But over the very long term, the better player will always win. It is the element of luck and apparent randomness that keeps the ...
by goblue100
Thu Apr 05, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor fees? Am I paying too much?
Replies: 54
Views: 4087

Re: Financial Advisor fees? Am I paying too much?

Your 2017 return on the taxable account was 10.8% ($19,902 increase/$184,884 original value) and 16.5% ($7,803/$47,236) for the IRA. That's assuming you did not contribute anything during the year over the original value. In 2017, the Vanguard S&P 500 total return was 21.8%. bill The S&P 500 perfor...
by goblue100
Thu Apr 05, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor fees? Am I paying too much?
Replies: 54
Views: 4087

Re: Financial Advisor fees? Am I paying too much?

This thread has certainly ballooned since this morning. Now you have posted your stocks. I can hardly believe there are that many in $67,114. I counted 48 stocks and and that is an average of $1398 in each stock. +1 I guess your advisor hasn't heard of these things called mutual funds, which allow ...
by goblue100
Wed Apr 04, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor fees? Am I paying too much?
Replies: 54
Views: 4087

Re: Financial Advisor fees? Am I paying too much?

Your returns are not even that good. My do it yourself account at Vanguard for calendar year 2017: Beginning Balance $149,230.21 Income $3861.22 Expenses $0 (not counting the fees of the funds themselves) Change in Market Value $22,216.86 End of Year Balance $181,408.39 I have an 80/20 split in this...
by goblue100
Wed Apr 04, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 7309

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

This. I do not try to buy dips because there's no promise that just because something drops 500 points that it wont drop another 500 after you dump money in. For long term investing, there's so little real difference gained with these short, transient drops . I'm mostly in this camp. Life is short,...
by goblue100
Mon Apr 02, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4277

Re: Tired of gas grills rusting out...

I'm a huge Weber fan. I bought the Weber Genesis 17 years ago. It is under a covered patio in Texas, so not exactly your situation, but it looks almost new. I did have to replace the "flavoriser" bars this past year and the spark ignition quit working a few years back, but the grates are still good ...