Search found 860 matches

by goblue100
Mon Apr 22, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 40
Views: 2417

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

Unknowns. What will healthcare cost, and will it go up? What are my expenses, really? (Still working on that one). Are we going to have that market crash anytime soon? If so, better to have a little more money.
by goblue100
Sun Apr 21, 2019 7:54 am
Forum: Investing - Theory, News & General
Topic: Re-Examining an assumption: 45% bonds in retirement?
Replies: 40
Views: 3800

Re: Re-Examining an assumption: 45% bonds in retirement?

My question: Is this a good enough reason, in your opinion (permanently lowered bond yields), to consider lowering your overall bond allocation to something like 25% or 30% from 50% or 45%? The trade-off, of course, is higher volatility in your portfolio at the worst possible time: When your human ...
by goblue100
Fri Apr 19, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 3057

Re: The reality of borrowing from your 401k for home mortgage

I threw your figures into a mortgage calculator and it says your payment will be ~$1900 a month. Why don't you practice setting that aside for 10 months and save your down payment? It would tell you what it's like to live on your new amount of money and keeps you from having to borrow the down payme...
by goblue100
Tue Apr 16, 2019 6:11 am
Forum: Investing - Theory, News & General
Topic: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky
Replies: 16
Views: 2837

Re: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky

Isn't the problem that when the industry works to provide a solution, the solution is worse than the problem? What I mean is, they may come up with a way to provide an income stream but if it is expensive the cure will be worse than the disease.
by goblue100
Tue Apr 16, 2019 6:00 am
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6989

Re: If you have plenty of money, why not 100% stocks in retirement?

I agree whole heartedly. If you have plenty of money no reason to be 100 percent stocks. But plenty of money differs greatly person to person. If you have 50x your desired (not required) expenses then sure go 100% stocks live off of dividends of the tsm not of some dividend aristocrat bundle prepar...
by goblue100
Mon Apr 15, 2019 9:17 pm
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6989

Re: If you have plenty of money, why not 100% stocks in retirement?

If I had plenty, or too much, money. I'd probably buy an SPIA that would more than cover my expected expenses. Then leave the rest in an 80/20 portfolio. Sounds like you can do whatever makes you happy. So, be happy! I'm 15-25 years from retirement. This isn't a question about what I do today, but ...
by goblue100
Fri Apr 12, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 8526

Re: Buying a house next year. Wife wants a big house. Thoughts?

More house is more cleaning, more maintenance, more utilities, more taxes, often longer time to sell. I believe in minimizing housing as costs balloon quickly the bigger you get. I agree. While I'm not saying you should stay in a 1700sf starter home, keeping the size down as low as possible while k...
by goblue100
Tue Apr 09, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 737
Views: 64236

Re: That's enough for me in 2019

larryslocum1982 wrote:
Sun Apr 07, 2019 12:03 am
Something is very wrong. Are not Bogleheads all about buy and hold of index funds forever? Why is everyone here now doing market timing?
Those threads are boring. Market timing and leverage allow people to talk forever.
by goblue100
Mon Apr 08, 2019 9:42 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Performance Of State Pension Plans
Replies: 46
Views: 4819

Re: Larry Swedroe: Performance Of State Pension Plans

The Dallas Police and Firefighters pension didn't want to be "average"... https://www.dallasnews.com/news/dallas-city-hall/2018/03/09/dallas-police-fire-pension-system-will-deal-nuts-just-crazy-investments "Gottschalk said the system probably won't hit its 7.25 percent investment return assumption u...
by goblue100
Sat Apr 06, 2019 7:34 am
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 92
Views: 6281

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

I like to have fun, but have never quite understood the concept of "fun money" investing. I'm putting it where I think it has the best chance of earning a return. We worry about tenths of a percent when it comes to mutual fund costs. The last thing I want to do is have an unintentional extra expense...
by goblue100
Thu Apr 04, 2019 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Weighing career options (34 yo, considering leaving low COL for high COL, am I crazy?)
Replies: 54
Views: 3863

Re: Weighing career options (34 yo, considering leaving low COL for high COL, am I crazy?)

Chicago is a fantastic city and I would classify it as more MCOL than HCOL. If you are city people, Chicago will improve your QOL just based on all the amenities. The food scene is great so expect to spend more eating out and doing stuff. It isn't just your rent that will go up. But $200k+ in Chica...
by goblue100
Mon Apr 01, 2019 7:55 am
Forum: Personal Investments
Topic: Asset allocation "tests"
Replies: 22
Views: 1237

Re: Asset allocation "tests"

It's not a calculator or "test", but good information, I think:
https://www.bogleheads.org/wiki/Asset_allocation
by goblue100
Sat Mar 30, 2019 8:44 am
Forum: Personal Investments
Topic: planning to buy REIT, bad idea ?
Replies: 36
Views: 3659

Re: planning to buy REIT, bad idea ?

I know bogle heads don't advice on tilting to a certain sector, but I am willing to take a calculated risk here. housing market is projected to slow down next .... taking that in mind is it hugely insane to start buying REIT ? Did you follow through and buy a REIT fund? If so, your returns have bee...
by goblue100
Thu Mar 28, 2019 6:54 am
Forum: Personal Investments
Topic: 60/40 now or closer to retirement?
Replies: 32
Views: 3589

Re: 60/40 now or closer to retirement?

What were they invested in that caused an 80% drop over the entire portfolio? I believe they had a lot of individual stocks. I wish I could find that article, my memory is a little fuzzy, but they had a LOT of money. Post crash they still had what a lot of of us would consider a lot of money, but w...
by goblue100
Wed Mar 27, 2019 3:55 pm
Forum: Personal Investments
Topic: 60/40 now or closer to retirement?
Replies: 32
Views: 3589

Re: 60/40 now or closer to retirement?

In my opinion it depends of how large the 40% is at some point. If I have enough, as I define it, in the lower risk asset bucket, the so called 40%, then why not then take more risk with future investments? Why continue to amass lower risk, lower return assets at the same rate when I have already "...
by goblue100
Fri Mar 15, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Is my *entire* life financed when I have a mortgage?
Replies: 84
Views: 5627

Re: Is my *entire* life financed when I have a mortgage?

Do you really want to do nothing but go to work and eat peanut butter and jelly sandwiches until your house is paid for? I'd rather balance a little more life in those years and accept that it will take longer to pay off the house. No, and I never claimed that I wanted too. I also can't see how you...
by goblue100
Thu Mar 14, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: So what happened to the predicted bear market in bonds?
Replies: 47
Views: 4334

Re: So what happened to the predicted bear market in bonds?

The predicted bear market in bonds came and went at least twice while you weren't paying attention. As usual livesoft and nisiprius are my voices of reason on the bear market in bonds. https://www.bogleheads.org/forum/viewtopic.php?t=239144#p3744054 Furthermore, they've been going up, over 1/2% in ...
by goblue100
Thu Mar 14, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Is my *entire* life financed when I have a mortgage?
Replies: 84
Views: 5627

Re: Is my *entire* life financed when I have a mortgage?

Do you really want to do nothing but go to work and eat peanut butter and jelly sandwiches until your house is paid for? I'd rather balance a little more life in those years and accept that it will take longer to pay off the house.
by goblue100
Wed Mar 13, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: SS: where are my delay credits?
Replies: 10
Views: 1195

Re: SS: where are my delay credits?

I'm not an expert, but if nothing else my post can serve as a bump. I don't really understand what you are saying in the OP. I believe if you filed at 69 1/2 and checks started before your 70th birthday, the first check had all the money you were due for waiting as long as you did. Edit: I read a SS...
by goblue100
Wed Mar 13, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 6319

Re: Should I give more money to a family member?

Anyway, when he died, he left me everything, (except one other policy that he placed in my little sister's name) and a will that stated I should "reimburse" myself, then use the left over money and split it equally between the three of us sisters. So for complicated reasons, (guilt over his death, ...
by goblue100
Wed Mar 13, 2019 7:01 am
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 6233

Re: How many companies have you worked for?

58 yo.
3 companies
2 houses
1 wife
I don't like change.
by goblue100
Tue Mar 12, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: Year's worth of earnings in two months?
Replies: 69
Views: 6746

Re: Year's worth of earnings in two months?

I was researching something else on the forum and came across this thread. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=127304&p=1868926#p1868926 Is anybody getting out and moving to Cash? Post by Qprkid » Thu Nov 28, 2013 11:53 am I know, I know. You can't time the market. Faithful Boglehea...
by goblue100
Mon Mar 11, 2019 12:48 pm
Forum: Investing - Theory, News & General
Topic: Year's worth of earnings in two months?
Replies: 69
Views: 6746

Re: Year's worth of earnings in two months?

StandingRock wrote:
Sat Mar 09, 2019 4:12 pm

Why do you think market timers hang around on Bogleheads?
I don't know, why? They want to be talked out of it? Or they want to prove that market timing works?
by goblue100
Mon Mar 11, 2019 7:57 am
Forum: Personal Investments
Topic: New to Investing, What changes do I need to make to my portfolio?
Replies: 7
Views: 514

Re: New to Investing, What changes do I need to make to my portfolio?

What changes are you trying to make? You've identified the biggest issues: I also know there is a LOT of overlap and I'm missing international stock and have no bonds. The fixes to that would be to add some international funds and some bonds. The amount of each tends to be personal. For internationa...
by goblue100
Sun Mar 10, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: simple will for a catastrophic event
Replies: 88
Views: 3198

Re: simple will for a catastrophic event

The simple point is that you are guaranteed to die somehow, and for that event you need a will. There is also a considerable likelihood you may be living but unable to manage your affairs in which case you need a power-of-attorney or a trust as well as other documents. I think many of us have becom...
by goblue100
Sat Mar 09, 2019 6:40 am
Forum: Investing - Theory, News & General
Topic: Year's worth of earnings in two months?
Replies: 69
Views: 6746

Re: Year's worth of earnings in two months?

I'm not as dogmatic as some forum members, but allow me to point out a flaw in your strategy. Lets assume the market doesn't follow your senses, as March 9th is not the top. The US market is up 18% for the year, and International is up 22%. Are you going to buy in at much higher prices on Jan 1 2020...
by goblue100
Fri Mar 08, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 4724

Re: Any liveaboards here?

Regattamom wrote:
Fri Mar 08, 2019 11:31 am

Ha! There's room here for all our dreams! :happy
Very gracious of you, thanks. :happy :sharebeer
by goblue100
Fri Mar 08, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 4724

Re: Any liveaboards here?

smitcat wrote:
Fri Mar 08, 2019 10:54 am
AH - I did not pick that up thanks.
My fault, I derailed the thread with my own dream. Sorry OP.
by goblue100
Fri Mar 08, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 4724

Re: Any liveaboards here?

^^ I've read of others doing the loop as you describe, a piece at a time. I will point out the OP's husband is looking at a circumnavigation, not the great loop.
by goblue100
Fri Mar 08, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Are my parents' finances a disaster waiting to happen? Seeking advice.
Replies: 105
Views: 10613

Re: Are my parents' finances a disaster waiting to happen? Seeking advice.

I don't understand why someone would want to take on a new house at 80. Heck, I'm 58 and looking to downsize! Having said that, my wife's parents were also spenders and not savers. We used to worry, but they eventually found that the goes outta needs to match the goes inta. I wouldn't help financial...
by goblue100
Fri Mar 08, 2019 7:35 am
Forum: Investing - Theory, News & General
Topic: Improving the Dalio/Robbins All-Seasons Portfolio
Replies: 153
Views: 40100

Re: Improving the Dalio/Robbins All-Seasons Portfolio

I think 133 posts, and 1.5 years later, you can feel fairly certain the thread conforms to forum rules. I would further say, there is no difference between the Three fund portfolio thread and this one. They both use Boglehead principles to construct a portfolio to meet a goal. This thread is more f...
by goblue100
Wed Mar 06, 2019 7:02 am
Forum: Investing - Theory, News & General
Topic: What do you tell people who ask for retirement/investment advice?
Replies: 71
Views: 5257

Re: What do you tell people who ask for retirement/investment advice?

He can't change the past, so I don't believe pointing out that he missed the boat for the last 30 years is productive. I agree you gave him the best advice for him going forward.
by goblue100
Mon Mar 04, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 4724

Re: Any liveaboards here?

I don't have much to offer in the way of advice, but I am interested in the topic. My dream is completing a Great Loop voyage in a power boat, We are in the planning stages of doing the Great Loop. Taking lessons, doing rentals, etc. As soon as the kids are out of the house we are on our way. The d...
by goblue100
Mon Mar 04, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 4724

Re: Any liveaboards here?

If you really want to do parts of all of the loop you will need to research the type of boat you want to utilize. The draft of the boat and the air clearance are very important for parts of the loop - 15' 6" is about the limit for some sections and 19' is the max for most of the rest. You will also...
by goblue100
Mon Mar 04, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 4724

Re: Any liveaboards here?

I don't have much to offer in the way of advice, but I am interested in the topic. My dream is completing a Great Loop voyage in a power boat, but transitioning from a life 350 miles from the nearest ocean to a year on the water is very daunting. I have a little lake boating experience but nothing ...
by goblue100
Mon Mar 04, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 4724

Re: Any liveaboards here?

I don't have much to offer in the way of advice, but I am interested in the topic. My dream is completing a Great Loop voyage in a power boat, but transitioning from a life 350 miles from the nearest ocean to a year on the water is very daunting. I have a little lake boating experience but nothing o...
by goblue100
Fri Mar 01, 2019 8:30 am
Forum: Personal Investments
Topic: Stock market current state and investing
Replies: 25
Views: 1884

Re: Stock market current state and investing

What did wise people do with their investments in 2008 when it was confirmed bear market? Did they just hold the investments though it was a loss or modified allocations to make it 100% bonds or take out the money and moved it to savings account to protect the capital? I just want to be prepared be...
by goblue100
Thu Feb 28, 2019 12:12 pm
Forum: Personal Investments
Topic: SS Estimate if you stop working early?
Replies: 10
Views: 1054

Re: SS Estimate if you stop working early?

I would recommend doing the spreadsheet if you enjoy that sort of thing. As someone else pointed out, you can learn a little bit about the man behind the curtain. My own experience is that once you have 35 years of decent earnings in, it only makes a small difference in the final amount if you keep ...
by goblue100
Tue Feb 26, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1981

Re: Suggestion on high ceiling condo heat issues

What is the temperature difference between the two floors? Do you have separate furnaces and thermostats for each floor? I have a two story house with a large vaulted ceiling and a catwalk. In the morning when the thermostats go to daytime temperature, The upstairs will get as warm as 74 while we ge...
by goblue100
Tue Feb 26, 2019 9:03 am
Forum: Investing - Theory, News & General
Topic: "Warren Buffett says if you invested $10,000 in the S&P 500 in 1942, you'd have $51 million today"
Replies: 110
Views: 7327

Re: "Warren Buffett says if you invested $10,000 in the S&P 500 in 1942, you'd have $51 million today"

The point this is a useless example. if you told every parent they could invest 15k for their kid and the kid would have the 50 million when they were 75, would it change anything?. There just arent enough people with that type of cash laying around. There is a reason why there arent 1000s of peopl...
by goblue100
Mon Feb 25, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: I have the answer - 4% plus 2 years (or 3.7% if you prefer)
Replies: 81
Views: 6485

Re: I have the answer - 4% plus 2 years (or 3.7% if you prefer)

So far I'm using the withdrawal plan authored by BH'er "TheTimeLord" which is to say I've kept working instead of withdrawing anything. So far so good. :idea: I think the real goal of the "4% rule" is to give people an idea of what they should expect to get from their portfolios. As recently as the ...
by goblue100
Sat Feb 23, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1224
Views: 122261

Re: [What TV Show Have You Recently Watched?]

Binged watched Numbers on H and I network. Somehow I missed this smart show when it was on.
by goblue100
Sat Feb 23, 2019 10:45 am
Forum: Personal Investments
Topic: Is anything "cheap" right now?
Replies: 49
Views: 4687

Re: Is anything "cheap" right now?

I've had the best luck w/ my investments when moving into something that's at the low end of a long-term range. I look around right now--any type of bonds (certainly stocks)--and don't see anything. Do you? Not sure it meets your criteria of being at the low end of a long term range, but internatio...
by goblue100
Sat Feb 23, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: When taking Social Security @62 could be wise
Replies: 191
Views: 13852

Re: When taking Social Security @62 could be wise

Interesting aside... https://opensocialsecurity.com/ (advanced option chosen with a drop in benefits in 2034) is now telling me that both DW and I should take SS @ 62. A few months ago one of us was to take at 62 (same inputs), the other at 70. Something changed? I have to think it is the future cu...
by goblue100
Fri Feb 22, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Do You Tip the Folks at the Feed Store?
Replies: 22
Views: 1790

Re: Do You Tip the Folks at the Feed Store?

I am curious as to how you folks feel about tipping at your local feed store. My back is shot and I appreciate them putting the fertilizer, salt, and catfish food bags into my truck and I feel it necessary to tip them a few bucks when they load a few bags. I seldom do things out of obligation. Your...
by goblue100
Wed Feb 20, 2019 8:20 am
Forum: Personal Investments
Topic: Best Small Cap Value ETF in Tax Advantaged Account (VBR, IJS, SLYV)
Replies: 8
Views: 644

Re: Best Small Cap Value ETF in Tax Advantaged Account (VBR, IJS, SLYV)

I plugged all 3 into portfolio visualizer: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2002&firstMonth=1&endYear=2019&lastMonth=12&calendarAligned=true&endDate=02%2F19%2F2019&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualP...
by goblue100
Tue Feb 19, 2019 11:56 am
Forum: Personal Investments
Topic: “Won the Game” how do you know?
Replies: 96
Views: 8104

Re: “Won the Game” how do you know?

Hi all, I am still very new to this site and still reading and learning. I see a lot of people saying “Won the game?” What does to actually mean? What determines if you won the game? Thx It means the amount of money you have no longer has any significant influence on how you live your life. By this...
by goblue100
Tue Feb 19, 2019 7:42 am
Forum: Personal Investments
Topic: Another, my family member is stuck with her salesman rep, help me break free
Replies: 15
Views: 1845

Re: Another, my family member is stuck with her salesman rep, help me break free

Yes I can match the current funds, I just can't predict the market. I have a lot of downside and no upside trust-wise. If markets go up they did that mostly from 2003-2019 the time she's been with Chase. If markets drop, she thinks I'm a crackpot and her adviser would have seen the coming tragedy a...
by goblue100
Mon Feb 18, 2019 11:36 am
Forum: Personal Investments
Topic: Retiring 5 Years Before Taking Social Security, How Would You Do It
Replies: 38
Views: 3554

Re: Retiring 5 Years Before Taking Social Security, How Would You Do It

I haven't retired yet, but when I do I will have somewhere between 7 and 10 years before taking SS. This topic has been on my mind. So far my plan has been to build a CD ladder of five years of my bottom of the ladder expenses, in other words, what is the minimum amount of money I can live on. I hav...