Search found 522 matches

by goblue100
Mon Jun 18, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: STAR vs. 3-Fund Portfolio
Replies: 14
Views: 1202

Re: STAR vs. 3-Fund Portfolio

I have a soft spot for the Star fund, I read an article that suggested it as a low cost alternative to the 1% low load funds that were popular in the time right before index funds exploded. It was one of my first investments. I still have some of it but have most of my money in index funds. The ques...
by goblue100
Sun Jun 17, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 45
Views: 4665

Re: I feel like selling my 3 fund

From the op: " . . . everyone is expecting a downturn . . . " Can someone please forward the downturn memo? I missed it. Your money, your portfolio, your decision. Gracias por leer ~cfs~ Me too. Actually I like all these downturn threads. There is almost never a downturn when everyone expects it. I...
by goblue100
Sun Jun 17, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security advice needed
Replies: 27
Views: 1563

Re: Social Security advice needed

Using the above social security numbers for me (using the life expectancy of 85), I come up with total payouts at $279,036 if I took it at age 62 and $312,588 at age 66. That's a difference of $33,552. The four years from age 62 to 66 where I would receive the 1,011 a month equals $48,528. Based on...
by goblue100
Sun Jun 17, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 15
Views: 1027

Re: calculator to get to desire $$$

Deleted. Growthseeker answered it better than I did.
by goblue100
Sat Jun 16, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 48
Views: 4783

Re: Lost job. Take early SS or draw from accounts?

This might be an option for a job that she can do. Probably need a decent computer and decent internet.
https://www.convergys.com/careers/na/un ... rk-at-home
by goblue100
Sat Jun 16, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Should fixed income allocation necessarily change over the years?
Replies: 11
Views: 656

Re: Should fixed income allocation necessarily change over the years?

I'm 57 and would like to pull the plug at 60(I think I have lower sights then a lot of bogleheads :happy ). I'm at about a 65/35 mix, down from 80/20 4 years ago. I don't think I will go much more conservative, maybe go to 60/40 by the end of the year. I'm definitely trying to balance need and abili...
by goblue100
Sat Jun 16, 2018 7:20 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 45
Views: 4665

Re: I feel like selling my 3 fund

Let's just say that if you sell now, you will become the Whipping Post for 2018 on Bogleheads.org. The Whipping Post of Late 2016 will like the transfer of the honor: https://www.bogleheads.org/forum/viewtopic.php?t=203792 In any event selling your individual stocks is probably a good idea as long ...
by goblue100
Fri Jun 15, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9049

Re: Timeshare ever worth it? Please share details

I consider retail timeshares to be a horrid value. The only possible exception is if it's located next to something you just HAVE to visit regularly and/or there are other potential perks or there will be no real 2ndary market for awhile. It's possible Disney (for example) may fall into this catego...
by goblue100
Thu Jun 14, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1548

Re: Any problem opening fund "Investor", then building to "Admiral"?

I'm pretty sure the cost basis carries over. For instance, if I go to personal performance and select only one fund that was converted a year ago, the chart goes back to 2012. All of that history was for the investor shares. If you go to the cost basis page, the investor fund is not there anymore, b...
by goblue100
Thu Jun 14, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9049

Re: Timeshare ever worth it? Please share details

I'm glad you have fun with your timeshare, but lets do some math. The OP said it was 44,000 + 1500 yearly. Over 20 years that is $74,000. You get to use the condo one week a year, so that is 140 nights. Actually might only be 120 nights, but lets use the full week of 140. $74,000 / 140 =$528 a nigh...
by goblue100
Thu Jun 14, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9049

Re: Timeshare ever worth it? Please share details

There is a huge quality of life difference between time-share apartments and hotel rooms. Most time-shares are full apartments with a kitchen, living/family/dining room, and one or more bedrooms. We spend three weeks a year in Hawaii at a time-share we own and love it. But I'm usually up an hour or...
by goblue100
Wed Jun 13, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2476

Re: Why market drop when Fed announced rate increase?

As bond yields rise, stocks become less attractive. The bond market and the fed are not the same thing They are not, but that doesn't make his post incorrect. Thanks. I probably used the term loosely, but then again: https://www.wsj.com/articles/u-s-government-bonds-edge-higher-before-fed-rate-deci...
by goblue100
Wed Jun 13, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2530

Re: Trade-up my $89 Walmart bike

Retired and currently ride 6-12 miles a day, 3-5 days a week. Lets call this 3 hours of riding a week, 40 weeks a year. That's 120 hours. So that is what, $1 an hour between the bike you really want, and the next one down? And that is for one year, the bike will last many more, making the cost per ...
by goblue100
Wed Jun 13, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Callable bond- maintain or take loss?
Replies: 32
Views: 1640

Re: Callable bond- maintain or take loss?

I wonder what the commission was on these callable cds?
by goblue100
Wed Jun 13, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2476

Re: Why market drop when Fed announced rate increase?

As bond yields rise, stocks become less attractive.
by goblue100
Wed Jun 13, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 125
Views: 9199

Re: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]

Why? 120K sounds excessive to get a degree in nursing. Are there not any community colleges in California? Is the young caller really going to get a better job with a $120,000 degree than a $15,000 degree? Umm, we are talking about a registered nursing degree, no community college is going to get y...
by goblue100
Wed Jun 13, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 125
Views: 9199

Re: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]

I just heard a podcast where he advised a young caller who had no money not to take out $120k in student loans to become a registered nurse in LA. I think that was poor advice. Why? 120K sounds excessive to get a degree in nursing. Are there not any community colleges in California? Is the young ca...
by goblue100
Wed Jun 13, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1548

Re: Any problem opening fund "Investor", then building to "Admiral"?

I don't believe the exchange is automatic. As I recall, shortly after I met the balance requirement they sent me a notice asking me if I wanted to make the exchange.
by goblue100
Tue Jun 12, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

LadyGeek wrote:
Tue Jun 12, 2018 6:16 pm
We have precedent, see: A different approach to asset allocation, a 29+ page discussion by Market timer, Sep 16, 2007.
So is the appearance of this current thread a timing signal? :shock:
by goblue100
Tue Jun 12, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investment Advice! Continue with Raymond James or Swap to Vanguard!
Replies: 18
Views: 1244

Re: Need Investment Advice! Continue with Raymond James or Swap to Vanguard!

I would convince her to take the plunge and move. While she can certainly stand a conservative portfolio, it sounds she is 90% bonds. She is withdrawing 7% a year, $3750 X 12 is $45,000. $45,000 of a %647,200 portfolio is 6.9%. Even for a 75 year old, that is a little high for the portfolio to survi...
by goblue100
Tue Jun 12, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Can anyone help me with a 1960's music trivia question
Replies: 5
Views: 749

Re: Can anyone help me with a 1960's music trivia question

Charlie Foxtrot wrote:
Tue Jun 12, 2018 9:27 am

I have absolutely no reason for needing to know this song - just frustrated that I can't remember the name! :confused
I've been there. :oops:
I can't say I know the song, but two big novelty song artists of the era were Ray Stevens and Roger Miller. You might check their catalogues.
by goblue100
Tue Jun 12, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 125
Views: 9199

Re: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]

I think I recall from a prior thread that he gets the 12% by taking an arithmetic average of a fund that has beaten the market as opposed to a CAGR. I'm curious if anyone has ever called his show and asked something like, "I'm 52 years old and have $500,000 saved up. I think I'm going to retire. Wh...
by goblue100
Mon Jun 11, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: Yes, you can diversify a market portfolio
Replies: 190
Views: 9328

Re: Yes, you can diversify a market portfolio

^ While the math involved with MPT is sound, we have lots of empirical evidence in the real world (ala "Efficient Frontier" charts and there changes over different time periods), that neither projected guesstimates of analysts nor historical data can reliably provide the necessary inputs to make MP...
by goblue100
Mon Jun 11, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: [Net worth in retirement: How do you know when "enough is enough"?]
Replies: 15
Views: 2602

Re: [Net worth in retirement: How do you know when "enough is enough"?]

[Split into a new post from: Post your Financial Milestone Announcements Here --admin LadyGeek] How do you say enough is enough when there is always a need either for philanthropy or ones children and grandchildren. I'm not there yet, but at some point setting aside your own happiness for the far o...
by goblue100
Sun Jun 10, 2018 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1356

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

I was referring to having a 30 year mortgage over a 15 year mortgage. I should have done the 15 year mortgage because by the time I retire the house would be paid off. Make one extra payment a year and you have about a 17 year mortgage. Here is what I've been doing the last few years. I pay a few h...
by goblue100
Sun Jun 10, 2018 8:01 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 321
Views: 34168

Re: Post your Financial Milestone Announcements Here

We just hit 10% of our retirement goal! I'm 34, but I've only been out of school for a year-and-a-half. Looking forward to the next 10% being easier than the first. :D I like your handle! Due to compounding, it should be. However, I do recall some big setbacks (2001, 2008) and having to regain lost...
by goblue100
Sun Jun 10, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y

For those not looking up the symbol, DXQLX is a leveraged fund whose goal is 250% of the NASDAQ 100. The er is 1.5%.
by goblue100
Sat Jun 09, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 4844

Re: Rowing machine motivation

http://www.rowingrelated.com/2012/02/how-to-handle-volume-part-2.html Ultimately, the best way to get faster is to have 2-3 really high quality, high intensity speed or lactate threshold sessions a week, with everything else being about managing your aerobic development while letting your body recov...
by goblue100
Sat Jun 09, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation 53 years old
Replies: 21
Views: 1710

Re: Asset Allocation 53 years old

120 - age is the new rule of thumb, I think. You can get to your goal with any AA between where you are and 50/50. You need to double your existing portfolio one time in 10 years. The rule of 72 tells us a 7% return compounded should do it.
You could definitely start ramping down on risk.
by goblue100
Fri Jun 08, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: $1M Question
Replies: 38
Views: 4800

Re: $1M Question

With utmost sincerity, a dummy with $12k (me) walks up to you and asks: Via investing of any kind, what can I do to make $1M in one year from now? I'm pretty sure this board would not call this investing, but the best chance would be something highly leveraged. Commodities futures comes to mind. Ob...
by goblue100
Thu Jun 07, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 159
Views: 17853

Re: Don’t cheat yourself with the 4% rule

Apart from bequest motives or truly unusual and extreme circumstances, I believe that a withdrawal rate below 3% is overly conservative, even by Boglehead standards. I'm starting to get confused by what people generally mean when they say a 3% withdrawal rate. Do they mean starting with 3% and then...
by goblue100
Thu Jun 07, 2018 8:01 am
Forum: Investing - Theory, News & General
Topic: Wade Pfau’s new book: How Much Can I Spend in Retirement?
Replies: 58
Views: 14686

Re: Wade Pfau’s new book: How Much Can I Spend in Retirement?

I've read it on Kindle (free) Like some of the posters above, I was disappointed in the end chapters. I was hoping it would tie things together in a summary. Instead, he basically promotes his business. I read this on Kindle Unlimited before finding this thread. The above is exactly what I thought ...
by goblue100
Thu Jun 07, 2018 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 3682

Re: Fixed Income investments too conservative?

What is the adviser charging? If getting rid of him saves 1% a year then you don't need more risk.
by goblue100
Tue Jun 05, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 159
Views: 17853

Re: Don’t cheat yourself with the 4% rule

This article I came across fits the thread: https://assetbuilder.com/knowledge-center/articles/the-biggest-risks-of-the-4-percent-retirement-rule I'm not advocating this approach, but I was sort of amused by the setup to the story: "She was surprised when I told her we have more money now than we di...
by goblue100
Mon Jun 04, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Should I put some money aside in money market for market correction
Replies: 94
Views: 6554

Re: Should I put some money aside in money market for market correction

I encourage you to open a thread (call it "md&pharmacist's picks" or something) and make your moves public knowledge. All suggestions to sell and buy should be made at the moment - no "sell/buy yesterday" or anything like that. Unfortunately, getting it right once or twice won't impress anyone, so ...
by goblue100
Sat Jun 02, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6646

Re: General Electric

AtlasShrugged? wrote:
Sat Jun 02, 2018 6:05 am

"This is GE. This is the only company I know of that was part of the Dow index when it was created. The others have died. This company has been around for over 150 years.
At some point all of those companies that died where at this same point that GE is at now.
by goblue100
Fri Jun 01, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: $1,000,000 in savings account to pay mortgage?
Replies: 32
Views: 4128

Re: $1,000,000 in savings account to pay mortgage?

If you bought a house that was $1.25M in the Bay Area, wouldn't it make sense to put the 20% deposit down and if you had remainder cash sitting around into a bank account or in a CD that earns 2% interest to effectively help pay your mortgage payments for you? Mortgage: Assuming 3.98% mortgage inte...
by goblue100
Fri Jun 01, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13259

Re: Best Advice You Never Took

This question made me go hmm. My life has worked out pretty well and in general I've followed reasonable advice. I've dollar cost averaged, paid myself first, and been a diligent saver my whole life. I can't say I recall anyone in particular giving me this advice, but the one thing I feel might have...
by goblue100
Fri Jun 01, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8472

Re: is Having more and needing less normal?

I was thinking about this the other day. The things I always kind of wanted but never indulged myself with are no longer important to me, The ironic thing is I could now easily afford a lot of them. Except for the $380,000 Ferrari. I do use my gym membership though.
by goblue100
Wed May 30, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: It's a Really Bad Day, Time to Buy
Replies: 46
Views: 4543

Re: It's a Really Bad Day, Time to Buy

md&pharmacist wrote:
Wed May 30, 2018 1:17 pm
Alexa9 wrote:
Wed May 30, 2018 12:20 pm
I enjoy catching falling knives. Can't wait for the next '08!
Even better. So excited for a 1929 85% fire sale. "08 was spectacular too.

So not looking for a really bad day, but a really bad year.
Yeah, that sounds nice till you lose your job. Millions did.
by goblue100
Wed May 30, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4549

Re: My mind exploded

I would agree that perspective is needed. Kids and young adults usually model what they see. It sounds like you set a frugal example based on your self description below, does your spouse live like that also? I would cool down, get rid of the emotion and explain calmly that $155 seems like an extrav...
by goblue100
Tue May 29, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Thinking past results are reliable
Replies: 10
Views: 814

Re: Thinking past results are reliable

Interesting thought. The Houston Rockets team three point field goal percentage was 36.2%. Lets say because it was a playoff game and give Golden State credit for superior defense and say they should have had a 25% chance to make each shot. What are the odds of a 1 in 4 chance not happening 27 times...
by goblue100
Tue May 29, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 8374

Re: Can we retire in 2018?

Yes, if I continue to earn my current salary, then I would expect to receive 44,492. If I stop this year and then wait until 70, then I would expect to receive 42,274. Interesting. I thought the difference will be larger. Were you expecting the age 70 figure to be much lower? The OP must be earning...
by goblue100
Mon May 28, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Does anticipated SS alter today’s allocation?
Replies: 20
Views: 1846

Re: Does anticipated SS alter today’s allocation?

One of the many questions I've been pondering lately. I'm 57 and getting close to a number, if not "the" number. On the one hand, if I maintain an aggressive stock allocation I may get to the the number faster, or I could end up much farther from it than I thought possible. If only that crystal ball...
by goblue100
Mon May 28, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7423

Re: Living on Your Investments? What Happens When a Bear Market Hits?

I am happy its gone up haha but haven't really bought any more index funds for over a year as it seems overpriced to me, so haven't bought for a while, so not sure what I should be doing with my savings in this situation apart from putting in the bank. I have been investing in shares for a long tim...
by goblue100
Sun May 27, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7423

Re: Living on Your Investments? What Happens When a Bear Market Hits?

What page are you using for that? Never mind, figured it out. I knew I had done it before... https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2000&firstMonth=1&endYear=2017&lastMonth=12&endDate=05%2F26%2F2018&initialAmount=1000000&annualOperation=2&annualAdjustment=...
by goblue100
Sun May 27, 2018 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7423

Re: Living on Your Investments? What Happens When a Bear Market Hits?

According to portfolio visualizer a person retired in 2000 with $1M using 4%SWR method (adjusted for inflation) and 100% in VFINX would still have $427,641 in their portfolio. :beer What page are you using for that? I thought I should be able to test this in PV but I am not finding where I can set ...
by goblue100
Sun May 27, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7423

Re: Living on Your Investments? What Happens When a Bear Market Hits?

Thanks for replies guys and thanks for the real life example sheepdog. I actually don't have that much in index funds as i only started a few years ago, however am really feeling they are overpirced at the moment e.g one index fund I have is up around 30%+ in just 2 years, so i'm not really sure wh...
by goblue100
Sat May 26, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7423

Re: Living on Your Investments? What Happens When a Bear Market Hits?

I think this article is a piece of S. +1 No one know what the future holds. One point his argument ignores is the ~2% dividend that was paid in addition to the his calculated return of 4%. The actual CAGR from 2000 to Dec 2017 of a 100% S&P 500 portfolio was 5.33. A 60/40 portfolio had a 5.86 CAGR....