Search found 724 matches

by goblue100
Sun Dec 09, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: YNAB: Age of Money
Replies: 21
Views: 2504

Re: YNAB: Age of Money

For those who don't know and are wondering (like me) YNAB = you need a budget, which appears to be budgeting software sort of like mint, but for a fee after a initial trial. I suspect the largest my "age of money" ever was was about 5 months. I have since gotten smarter about investing the money in ...
by goblue100
Sat Dec 08, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: options to cover next 10 years before SS
Replies: 34
Views: 2032

Re: options to cover next 10 years before SS

I'm confused by the OP, she wants 70k a year for 10 years until SS starts. What happens when SS starts, because it will not be 70K a year?
by goblue100
Fri Dec 07, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Where did you think we'd be today, ten years ago?
Replies: 38
Views: 2835

Re: Where did you think we'd be today, ten years ago?

letsgobobby wrote:
Fri Dec 07, 2018 10:06 am

Wow. Gas here is still over $3.
Where do you live? $1.88 commonly available around here. Dallas area.

To answer the question in the OP, I couldn't or didn't picture 10 years down the road. I was worried about next week.
by goblue100
Fri Dec 07, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Need AA Help with Retirement Portfolio (3 accounts)
Replies: 2
Views: 275

Re: Need AA Help with Retirement Portfolio (3 accounts)

Questions: 1. Should I just get out of the Target Fund so I can have better distributed asset allocation between my 3 accounts? 2. Is a target of 20% US bonds still too low? I'm not a conservative investor. Should I also add International bonds? 3. I’ve owned company stock for years and just realiz...
by goblue100
Thu Dec 06, 2018 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: All Weather Portfolio - Ray Dalio during slow growth/ downturn? How to balance bonds in low yield w/ rising rates?
Replies: 14
Views: 1362

Re: All Weather Portfolio - Ray Dalio during slow growth/ downturn? How to balance bonds in low yield w/ rising rates?

galeno wrote:
Thu Dec 06, 2018 9:22 pm
70% VT + 30% BND would be the best port for you.
That is a very definitive statement. Here are 150 better portfolios:
https://www.whitecoatinvestor.com/150-p ... han-yours/
Personally, I like:
40% VTI
10% SPY
15% EFA
15% EFV
20% BND

For a 30 year old investor.
by goblue100
Thu Dec 06, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor suggesting 90/10
Replies: 41
Views: 3040

Re: Vanguard advisor suggesting 90/10

I don't really need that 100 k for the next couple years There is the famous Peter Lynch quote of “Far more money has been lost by investors preparing for corrections or trying to anticipate corrections than has been lost in corrections themselves.”. The goblue100 corollary is: "Far more gains have...
by goblue100
Tue Dec 04, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10770

Re: Retirement itch- when did you get it?

This article might be relevant to the conversation. (Scott Burns was a financial writer for the Dallas Morning News and someone I consider a mentor) The value of a future of a year: https://couchpotatoinvesting.com/how-much-is-a-future-year-worth/ How do we measure the value of a future year? Can we...
by goblue100
Tue Dec 04, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661559

Re: U.S. stocks in freefall

With higher rates and the disappearance of ZIRP, it seems likely that the stock market is living on borrowed time and that the place to be is in short fixed income. See, this is where you depart from the rest of us who are conservative Bogleheads. You talk about the "need" to take risk, and how som...
by goblue100
Mon Dec 03, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10770

Re: Retirement itch- when did you get it?

At 56. I'm now almost 58, and haven't scratched it yet.
by goblue100
Mon Dec 03, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Big endowments don't beat simple 60/40 over 10 yrs.
Replies: 25
Views: 3167

Re: Big endowments don't beat simple 60/40 over 10 yrs.

Scott Burns is writing again! At least it is appearing in the Dallas Morning news. He wrote about the under performing Texas Pension funds: https://www.dallasnews.com/business/personal-finance/2018/11/25/scott-burns-texas-pension-funds-dont-measure-low-cost-index-fund Hopefully the link works, I thi...
by goblue100
Sat Dec 01, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is this how early semi-retiring work?
Replies: 13
Views: 2514

Re: Is this how early semi-retiring work?

Say I accumulate to a certain age and semi-retire early (work less and more desired job regardless of little pay - assume it's just any random hourly rate job, but not a professional JOB). At that point, accumulation slows down drastically. I save little but with a low overhead lifestyle (and fruga...
by goblue100
Sat Dec 01, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Family loan
Replies: 19
Views: 1282

Re: Family loan

Big difference in viewpoints here, based on emotion. I loved my parents, and they have both passed, but no way I would go broke funding their dream of a berry farm. I would explain to them why I can't be their bank, and that maybe it is time for them to give up the berry farm since they can't make i...
by goblue100
Sat Dec 01, 2018 8:27 am
Forum: Investing - Theory, News & General
Topic: Why did the bond market lose money this year
Replies: 39
Views: 3532

Re: Why did the bond market lose money this year

I see, thanks for explanation. Considering interest rates will only continue to rise wouldnt the total bond market just continue to fall? The Fed is making noises about slowing interest rate hikes for next year. You can't time the bond market anymore than you can time the stock market. Your crystal...
by goblue100
Sat Dec 01, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: Why did the bond market lose money this year
Replies: 39
Views: 3532

Re: Why did the bond market lose money this year

masonstone wrote:
Sat Dec 01, 2018 7:22 am
Isn’t a Bond technically like a loan? Why did the total bond market lose over 2% in value this year?
If I can buy a new bond that yields 3.5%, why would I buy your old bond that yields 2.5%? I won't, unless you cut the price.
by goblue100
Fri Nov 30, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k isn't making any money
Replies: 35
Views: 4262

Re: My 401k isn't making any money

I set up portfolio visualizer with $10000 starting amount and $500 a month additional investment, starting date 11/2017 ending last month. Used Vanguard TD 2055. Portfolio has grown from $10000 to $15000? Sure, a lot of that is new contributions, but the amount is growing. Are you not getting simil...
by goblue100
Fri Nov 30, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 2718

Re: Remodeling - tipping?

I would not tip in the circumstance. If you think that they did a great job, I would tell them so and let them know that I would recommend them to my friends and write them an excellent review online. +1 In your own words, you were pretty much not wowed by the job done. I would not even consider ti...
by goblue100
Fri Nov 30, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: My 401k isn't making any money
Replies: 35
Views: 4262

Re: My 401k isn't making any money

I set up portfolio visualizer with $10000 starting amount and $500 a month additional investment, starting date 11/2017 ending last month. Used Vanguard TD 2055. Portfolio has grown from $10000 to $15000? Sure, a lot of that is new contributions, but the amount is growing. Are you not getting simili...
by goblue100
Thu Nov 29, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Net Worth Question - Current Value or Personal Contribution?
Replies: 31
Views: 2080

Re: Net Worth Question - Current Value or Personal Contribution?

I would suggest using a more robust calculator or, better yet, a Monte Carlo simulator. That one does not even appear to account for inflation (so I assume you're assuming 5% real, not nominal). Those types of calculators are pretty much worthless for market-rate investments like stocks, where retu...
by goblue100
Thu Nov 29, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?
Replies: 48
Views: 2596

Re: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?

Answering the question in the thread title, I'm going to let you in on a little secret. It will likely matter so little that if you are 100/0 or 80/20 that this whole thread will have been a waste of time! :) I do think 60/40 is overly conservative for someone with a long time frame. Huh? So 100vs8...
by goblue100
Wed Nov 28, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?
Replies: 48
Views: 2596

Re: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?

Answering the question in the thread title, I'm going to let you in on a little secret. It will likely matter so little that if you are 100/0 or 80/20 that this whole thread will have been a waste of time! :) I do think 60/40 is overly conservative for someone with a long time frame.
by goblue100
Wed Nov 28, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: What's your safety number?
Replies: 24
Views: 2365

Re: What's your safety number?

The numbers you have are comparable to mine. I keep $20K in my brick & mortar savings account for any emergency that comes up, but then I have $200K+ cash sitting in a high interest savings account (2.05%). This is also due to the fact that we are going to want to buy another house soon, but it sou...
by goblue100
Wed Nov 28, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: What's your safety number?
Replies: 24
Views: 2365

Re: What's your safety number?

So you keep all of your money invested in something? What if you need to make a major purchase (new car, home improvement, etc.) No, I have a checking account which is my emergency fund. I have always kept more than is probably optimal in it. If you want hard numbers, I have a floor of about $10,00...
by goblue100
Wed Nov 28, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: What's your safety number?
Replies: 24
Views: 2365

Re: What's your safety number?

I'd be interested in hearing where everyone stands in regards to their disposable income as I know that I am likely one of the very few on here that we behind on retirement funding (only maxing out to his 401K). What I'm looking for is to get a sense of the forums general disposable income after pr...
by goblue100
Tue Nov 27, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: another "Help with my money" questions
Replies: 10
Views: 1132

Re: another "Help with my money" questions

I would use some of the liquid cash in taxable and pay off the student loans (today). Send them packing. I don't really care if the interest rate is only 1.8%. Send Sallie Mae out the door. This makes no sense to me. The interest rate is lower than the inflation rate. Stretch out the payments as lo...
by goblue100
Tue Nov 27, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7391

Re: Employeer taking vacation days on public holidays - is this legal or normal?

I believe laws don't cover this situation, but I would express my displeasure over their policy and then vote with my feet.
by goblue100
Tue Nov 27, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: AQR/Liquid Alt Performance
Replies: 60
Views: 2797

Re: AQR/Liquid Alt Performance

Ketawa wrote:
Tue Nov 27, 2018 9:23 am

Despite all this doom and gloom, investors have been better off with QSPIX than without it, even if only barely so. Compare a 60/40 portfolio of VT/VBMFX to 55/35/10 of VT/VBMFX/QSPIX since the inception of QSPIX: link.
Does anyone know if the Portfolio Visualizer results are after fees?
by goblue100
Tue Nov 27, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: Bogleheads Greatest Hits
Replies: 27
Views: 3637

Re: Bogleheads Greatest Hits

deleted, user error.
by goblue100
Tue Nov 27, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Bogleheads Greatest Hits
Replies: 27
Views: 3637

Re: Bogleheads Greatest Hits

I guess nedsaid is his own favorite poster? :)

I nominate pretty much anything Nisiprius posts.
by goblue100
Mon Nov 26, 2018 7:19 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 119
Views: 7023

Re: What is your allocation to U.S. and International?

I wonder how much longer until we'll see someone at Vanguard lose their job or pay a price for steering people into INTL. the way they did and do. It did make a big difference in the long run, and it cost me and many others a big chunk of our retirement we'll never get back. And after all these dec...
by goblue100
Sun Nov 25, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 119
Views: 7023

Re: What is your allocation to U.S. and International?

Is there any reason to expect this discussion to contribute anything not already covered in other threads, such as: https://www.bogleheads.org/forum/viewtopic.php?t=196956 Probably not, but hey, everybody likes to talk about themselves so this thread will get lots of replies. Case in point: 15% int...
by goblue100
Thu Nov 22, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 74
Views: 5106

Re: Looking for a car that can handle a long commute, any suggestions?

https://www.hyundaiusa.com/sonata/index.aspx +2 Hard to find fault with the Sonata. Don’t let the Hyundai badge fool you and it may not be the ‘sexy’ pick but the two above me that mentioned it are apparently in the same boat I am. These can also be found at a good discount I will say that the MPG ...
by goblue100
Tue Nov 20, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13086

Re: Can someone explain what's going on..........

Hello: With the stock market ????? I know that usually october is a shaking month,but it keeps going DOWN.Please explain if you know. Many thanks in advance,parigi. This is nothing, really. This is just volatility. If you can't handle this, check your to make sure your risk tolerance and asset allo...
by goblue100
Mon Nov 19, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Executor and Will
Replies: 24
Views: 2016

Re: Executor and Will

Seems to me that if you believe there is no valid will, the relatives could open the probate process using the states intestate rules. Allow the person who claims there is a will to produce it and contest the process.
by goblue100
Mon Nov 19, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: Ratio of stocks to bonds
Replies: 11
Views: 1232

Re: Ratio of stocks to bonds

I am new to Bogleheads. I could not find the answer to a question so I decided to post it. Forgive me if this is in the wrong forum. Common wisdom advises investors to allocate their age in percentage into bonds with the remainder in stocks. Where is the math on this? Does it always hold true? Let’...
by goblue100
Sat Nov 17, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 133
Views: 12287

Re: How Long / Hard To Become a Millionaire on Under $100k Income

... or, saving roughly 22% of that $100k per year. Not an easy task. May not be easy, but doable. How about this? He takes a sheet of paper and puts two numbers on it: Age 65 $1,000,000 Then he asks, "do you think you can get money to grow at, say, 9 percent?" If you agree, and most people do, he t...
by goblue100
Thu Nov 15, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 133
Views: 12287

Re: How Long / Hard To Become a Millionaire on Under $100k Income

This is a wacky post but i always look at opportunity costs in my purchases. Any annual expense at an 8% return, is 100 times the expense after 28 years. Its amazing how money compounds over time.Here are 2 examples. 1. Smoking. 50 dollars a week or 2600 dollars a year equals $260000 after 28 years...
by goblue100
Thu Nov 15, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 133
Views: 12287

Re: How Long / Hard To Become a Millionaire on Under $100k Income

Becoming a millionaire by 40 can be done by saving $60 a day from age 21 through 40 with an 8% return on investments. How hard it is to save $60 a day depends greatly on how close to the $100k/yr mark you get. Yes, that would be tough. $60 a day is $1,800 a month. That is not that tough. Live below...
by goblue100
Thu Nov 15, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7207

Re: Are you all staying the course?

viz wrote:
Wed Nov 14, 2018 10:25 pm
80% equity, 5% bonds, 20% real estate
Staying the course, still in accumulation phase so a little dip in stock price is much appreciated
I guess you really give that extra 5% in all you do. Or perhaps you are using a little leverage?
by goblue100
Mon Nov 12, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661559

Re: U.S. stocks in freefall

RetiredAL wrote:
Mon Nov 12, 2018 5:28 pm
I normally don't even open this thread. IMO, it's a waste.

Here's why: Since the time of the first post, the value an SP500 investment has risen to about 245% of the original.
Since the OP references the Dow Jones:
Low for 2011 was 11,240.26
Close today was 25,387.18

Some free fall!
by goblue100
Sun Nov 11, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9333

Re: retirement travel: RVs vs fly/drive/hotel

Hope this will stimulate some discussion and thoughts that will help more than just myself. :sharebeer So in the mode of stimulating discussion... Have you thought about a boat? My wife and I are taking boating lessons in anticipation of doing the Great Loop. This is a trip that takes you on a full...
by goblue100
Sat Nov 10, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 45794

Re: Whats your number to walk away?

bhsince87 wrote:
Sat Nov 10, 2018 7:15 pm
Well, mine WAS $1.5 million.

Then 2 million.

Then 3 million.

At about 3.3, I think I'm finally going to do it!

I felt the need to add $1million just to cover health insurance from age 54-55 to age 65.
That must be some policy to cost 100k a year?
by goblue100
Sat Nov 10, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 3746

Re: Roth Investment Theory

Statistically I'm sure that lump summing the full amount on on January 1 would show the highest return (more time in market). However, any of those strategies are fine, and the difference over a 30 to 60 year time span would be tiny.
by goblue100
Fri Nov 09, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15000

Re: How much money are you leaving your kids after you die?

I think some of you are reading a lot into what could be a very innocent question. If my daughter asked, I'm quite sure it would be more out of curiosity than greed. On a related question, my older brother passed away recently. After everything settles each sibling is going to get about $60,000(He d...
by goblue100
Wed Nov 07, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Bluetooth alarm clock with temperature?
Replies: 3
Views: 534

Re: Bluetooth alarm clock with temperature?

I don't know of any that do it through Bluetooth. Most have a wireless remote that goes outside and then transmits data back to the base unit. I think that is how this one works: https://www.amazon.com/Crosse-Technology-616-146-Projection-temperature/dp/B0097C41PC/ref=sr_1_3?ie=UTF8&qid=1541628436&s...
by goblue100
Wed Nov 07, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman 2 Funds for Life
Replies: 41
Views: 7279

Re: Paul Merriman 2 Funds for Life

Funny thing is, I'm trying to help my 24 year old daughter with investing. I've helped her fund a Roth IRA that's up to $25,000 now. It has been invested 100% in a Vanguard TDF, but I wanted to come up with a simple investment strategy that she could follow for life if she wanted to, and it was 80%...
by goblue100
Wed Nov 07, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Three Funds at Vanguard
Replies: 3
Views: 621

Re: Three Funds at Vanguard

Here is the prospectus for VTSAX (Vanguard Total Stock Market) https://personal.vanguard.com/pub/Pdf/sp85.pdf?2210142657 On page 2 it shows you the cost of investing in the investor shares vs. admiral shares per $10,000. My opinion is while of course we like lower expenses I'm not going to worry too...
by goblue100
Tue Nov 06, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What To Do When An Investment Strategy Performs Poorly
Replies: 11
Views: 1772

Re: Larry Swedroe: What To Do When An Investment Strategy Performs Poorly

I think most Bogleheads don’t appreciate how much more diversified their portfolios can potentially be, how dependent their portfolios are on the single market factor, and how many different alternative ways the last decade could have played out. We see this played out this board. Recent threads: h...
by goblue100
Thu Nov 01, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 136
Views: 11537

Re: Rick Ferri's new Core-4 (6 versions) Website

You may want to check out this thread:
viewtopic.php?f=10&t=262817&newpost=419 ... ead#unread

I can't speak for Rick, but I suspect REITS are less correlated to the stock market and give a diversification benefit.
by goblue100
Thu Nov 01, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2026
Views: 376656

Re: What are you up YTD? [Year To Date]

Still up for the year but only 0.67%. International is my biggest loser so far. International (VTIAX) has been a laggard for 22 years. If you go back to the last peak before crash it's up 8% (including dividends) compared to 230% for VTSAX I'm starting to wonder why it's needed. Note to self, incre...