Search found 4547 matches

by EnjoyIt
Tue Sep 29, 2020 3:52 pm
Forum: Investing - Theory, News & General
Topic: What do Bogleheads think of what happen to Japan?
Replies: 64
Views: 4648

Re: What do Bogleheads think of what happen to Japan?

Two big takeaways to me: 1) Valuations matter; high valuations tend to mean lower future returns. If valuations are high enough, that can mean negative or zero returns for decades, so best not to own a lot of countries with very high valuations. 2) High valuations can last for many years or continu...
by EnjoyIt
Tue Sep 29, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: What do Bogleheads think of what happen to Japan?
Replies: 64
Views: 4648

Re: What do Bogleheads think of what happen to Japan?

On the other hand there are periodic reports of lonely seniors renting "fake" adult children to visit them and of others committing non-violent crimes because incarceration is a better financial outcome than their current situation. That's not a bad idea for a warped, worst-case retirement plan! No...
by EnjoyIt
Tue Sep 29, 2020 8:41 am
Forum: Personal Investments
Topic: I wish I had not bought silver bricks. Help!
Replies: 32
Views: 5367

Re: I wish I had not bought silver bricks. Help!

I made a similar mistake back in 2009/2010. I decided to hold unto my gold and silver to remind myself to never make that mistake again. Today they are worth about $25k and honestly, I can't remember how much I paid for everything which means you are in better shape since you can actually tax loss h...
by EnjoyIt
Tue Sep 29, 2020 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Gazillionth mortgage pay off question
Replies: 62
Views: 4721

Re: Gazillionth mortgage pay off question

The nice thing about doing half of each and revisiting periodically is that if you decide you were wrong about one half, you were only half wrong, and only for the period of time until you decide to take the other wrong side of the decision. Yes, 50/50 is the game plan! Looking forward to Monday to...
by EnjoyIt
Tue Sep 29, 2020 8:25 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

Let's say that International outperforms the US market. Do you guys think this is a one year thing and done? If not, then the OP has plenty of time to buy back into international once it starts beating the US. If you think it's a one year and done thing, I get why the OP gave up. It's goes back to ...
by EnjoyIt
Tue Sep 29, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4822
Views: 924416

Re: What's Your Credit Card Rewards Strategy?

Multiple sites are reporting that Chase's Pay Yourself Back redemption option has been extended until the end of April 2021. No change to categories or redemption rates for the CSR and CSP. PYB will also become available for Ink and Freedom cards but looks like with more restrictive categories. Tha...
by EnjoyIt
Mon Sep 28, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Gazillionth mortgage pay off question
Replies: 62
Views: 4721

Re: Gazillionth mortgage pay off question

How much extra per month are we talking here? I don’t recall that being mentioned. For me the thread title is deceiving. You’re not paying off the mortgage. You’re paying it down faster. Semantics but you could be paying this down for 10 years. Very good point. One really receives the benefit of pa...
by EnjoyIt
Mon Sep 28, 2020 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for healthcare (50-65 year olds)
Replies: 40
Views: 4120

Re: How much do you pay for healthcare (50-65 year olds)

You can lookup current rates any time and don't have to wait until open enrollment. It will show you the monthly premium, deductible and maximum for each plan. https://www.healthcare.gov/see-plans/#/ The rates are highly dependent on the state, plan and carrier you pick. I did not realize you can d...
by EnjoyIt
Mon Sep 28, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for healthcare (50-65 year olds)
Replies: 40
Views: 4120

Re: How much do you pay for healthcare (50-65 year olds)

6miths wrote: Mon Sep 28, 2020 5:32 pm $500 per year. No deductible.
No fair, you live in Canada?
by EnjoyIt
Mon Sep 28, 2020 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4822
Views: 924416

Re: What's Your Credit Card Rewards Strategy?

I think the majority of people would agree it's worth the time invested as it only takes a few minutes to fill out an application and you already say you can spend the $4K easily within 3 months. For me it'd be a no-brainer however you really get the most "value" out of the 80K UR points if you use...
by EnjoyIt
Mon Sep 28, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4822
Views: 924416

Re: What's Your Credit Card Rewards Strategy?

For a couple years now, I’ve been using three BofA Cash Rewards cards, and one BofA Travel rewards card, all no annual fee cards, and I get these rewards, all in monthly effective cash back: - 5.25% on dining/bars - 5.25% on travel - 5.25% on online - 3.5% on groceries (including Costco!) - 2.625% ...
by EnjoyIt
Mon Sep 28, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for healthcare (50-65 year olds)
Replies: 40
Views: 4120

Re: How much do you pay for healthcare (50-65 year olds)

We (2 plans) - about $1,500 / month ($18k) and about $14k deductible. In our state and our county - like 90 % of the state, there has only been one company offering non-group plans, this year there were two. Heard this from Secretary Azar last week so I had to check for myself. I used 60 years old ...
by EnjoyIt
Mon Sep 28, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off a 1.5% school loan
Replies: 27
Views: 1959

Re: Would you pay off a 1.5% school loan

Sure, if a young investor is severely over leveraged it can be a big risk. But, a young investor, especially one who lives below their means and saves for retirement will be much better off being ignorant of “debt belongs as a negative on AA.” If they can stay the course being 90/10 while holding 3...
by EnjoyIt
Mon Sep 28, 2020 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4822
Views: 924416

Re: What's Your Credit Card Rewards Strategy?

For a couple years now, I’ve been using three BofA Cash Rewards cards, and one BofA Travel rewards card, all no annual fee cards, and I get these rewards, all in monthly effective cash back: - 5.25% on dining/bars - 5.25% on travel - 5.25% on online - 3.5% on groceries (including Costco!) - 2.625% ...
by EnjoyIt
Mon Sep 28, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for healthcare (50-65 year olds)
Replies: 40
Views: 4120

Re: How much do you pay for healthcare (50-65 year olds)

One thing to be aware of with ACA plans is that unlike Employer plans your premium is based on your age. So next year your premium will be higher simply because you're a year older, regardless of any overall increases in the rate schedule. And the overall increases have been in the 20%/yr range. It...
by EnjoyIt
Mon Sep 28, 2020 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off a 1.5% school loan
Replies: 27
Views: 1959

Re: Would you pay off a 1.5% school loan

The details: We are in our mid 40s and have saved up around 25x expenses but still looking to work part time and still contributing. We are maxing out all retirement space (401k, HSA, backdoor Roth. ) 529 is well funded, we hope, but willing to cashflow extra college expenses if needed. I have abou...
by EnjoyIt
Mon Sep 28, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off a 1.5% school loan
Replies: 27
Views: 1959

Re: Would you pay off a 1.5% school loan

I very strongly do not believe in adjusting my AA based on my loans. Let me explain, I think it adds unnecessary complexity. Personal finance is personal and if I can comfortably stay the course ignoring it, then why add it in? Most financial advisors don't take debt into account when figure out on...
by EnjoyIt
Sun Sep 27, 2020 3:27 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

No. CAPE has been a very poor predictor of future results. Its fun to talk about, but I would not base any of my investing on CAPE. Seems like a pretty good predictor to me. https://i.postimg.cc/YqHDyNgj/cape.jpg You know, we had a whole thread on the article that came from, and my takeaway was tha...
by EnjoyIt
Sun Sep 27, 2020 3:27 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

This is really US vs ex-US, not country to country, as far as the typical decision here. But if US CAPE is high relative to US historically and ex-US is low relative to ex-US historically, then you might want to consider some additional diversification via ex-US if you have none or very little. Cer...
by EnjoyIt
Sun Sep 27, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for healthcare (50-65 year olds)
Replies: 40
Views: 4120

Re: How much do you pay for healthcare (50-65 year olds)

One thing to be aware of with ACA plans is that unlike Employer plans your premium is based on your age. So next year your premium will be higher simply because you're a year older, regardless of any overall increases in the rate schedule. And the overall increases have been in the 20%/yr range. It...
by EnjoyIt
Sun Sep 27, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for healthcare (50-65 year olds)
Replies: 40
Views: 4120

Re: How much do you pay for healthcare (50-65 year olds)

DW and I are retired in NJ. We do not qualify for any subsidies. Here are out total health care costs (premiums + out-of-pocket co-pays/co-insurance) each of the last three years: 2017 = $19.0K 2018 = $25.6K 2019 = $19.8K I have had a bronze level plan (HSA in ‘18 & ‘19) each year and my wife a sil...
by EnjoyIt
Sun Sep 27, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for healthcare (50-65 year olds)
Replies: 40
Views: 4120

Re: How much do you pay for healthcare (50-65 year olds)

oroadsm wrote: Sun Sep 27, 2020 12:44 pm I am at about $780/month. Husband / wife plan both in our early 50s. It dropped about 10% from last year and it looks like it will drop a small amount next year. Maryland.
Thanks, what is your deductible?
by EnjoyIt
Sun Sep 27, 2020 1:19 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

Well, in 2010 S&P 500 CAPE was about 20 which the chart shows to be something like 12% future expected return - which turned out to be a surprising good prediction. It isn't going to give you good results in the short-term, meaning under 10-20 year time frame. Its also useless for market timing but...
by EnjoyIt
Sun Sep 27, 2020 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for healthcare (50-65 year olds)
Replies: 40
Views: 4120

How much do you pay for healthcare (50-65 year olds)

I am wondering, for those who do not receive ACA subsidies, are in their 50's to 65, and purchase their own health insurance on the open market, can you please share what you pay every year and what your deductible is? Let us know if this is single coverage or a family plan. If you have purchased in...
by EnjoyIt
Sun Sep 27, 2020 12:29 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

1) CAPE has been predicting low returns in the US for the last decade and just been flat out wrong 2) CAPE of US vs International CAPE may not play out and also has not played out as predicted. Just because international has a lower PE does not mean it will outperform US something that this graph d...
by EnjoyIt
Sun Sep 27, 2020 10:24 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

1) CAPE has been predicting low returns in the US for the last decade and just been flat out wrong 2) CAPE of US vs International CAPE may not play out and also has not played out as predicted. Just because international has a lower PE does not mean it will outperform US something that this graph d...
by EnjoyIt
Sun Sep 27, 2020 9:27 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

No. CAPE has been a very poor predictor of future results. Its fun to talk about, but I would not base any of my investing on CAPE. Seems like a pretty good predictor to me. https://i.postimg.cc/pdNWSQCr/The-Remarkable-Accuracy-of-CAPE-as-a-Predictor-of-Returns-Articles-Advisor-P.jpg Your pic is mi...
by EnjoyIt
Sun Sep 27, 2020 8:49 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

No. CAPE has been a very poor predictor of future results. Its fun to talk about, but I would not base any of my investing on CAPE. Seems like a pretty good predictor to me. https://i.postimg.cc/pdNWSQCr/The-Remarkable-Accuracy-of-CAPE-as-a-Predictor-of-Returns-Articles-Advisor-P.jpg Your pic is mi...
by EnjoyIt
Sun Sep 27, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4822
Views: 924416

Re: What's Your Credit Card Rewards Strategy?

For a couple years now, I’ve been using three BofA Cash Rewards cards, and one BofA Travel rewards card, all no annual fee cards, and I get these rewards, all in monthly effective cash back: - 5.25% on dining/bars - 5.25% on travel - 5.25% on online - 3.5% on groceries (including Costco!) - 2.625% ...
by EnjoyIt
Sun Sep 27, 2020 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Would you pay off a 1.5% school loan
Replies: 27
Views: 1959

Re: Would you pay off a 1.5% school loan

My student loan rates were a tad higher than yours at 1.875%. I paid for 14 years all the while vowing never to prepay. Then it started to feel like an annoyance, and one day just lump sum paid it off. If yours is a large sum to you, if it has the death benefit like mine did, and if you have depend...
by EnjoyIt
Sun Sep 27, 2020 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Would you pay off a 1.5% school loan
Replies: 27
Views: 1959

Re: Would you pay off a 1.5% school loan

My student loan rates were a tad higher than yours at 1.875%. I paid for 14 years all the while vowing never to prepay. Then it started to feel like an annoyance, and one day just lump sum paid it off. If yours is a large sum to you, if it has the death benefit like mine did, and if you have depend...
by EnjoyIt
Sun Sep 27, 2020 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Would you pay off a 1.5% school loan
Replies: 27
Views: 1959

Re: Would you pay off a 1.5% school loan

FINANCIALLY, paying off the debt is a mistake. BUT this is PERSONAL finance and has a lot to do with you YOU feel about debt. The mathematical answer is to never pay a penny extra on this. Whether that is right for you is your gut feeling on how you will feel to wake up with no debt whatsoever. Of ...
by EnjoyIt
Sun Sep 27, 2020 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Would you pay off a 1.5% school loan
Replies: 27
Views: 1959

Re: Would you pay off a 1.5% school loan

I'm leaning towards getting back to our desired AA and then let the loan ride for a few more years while we are still employed part time. I guess I already know what I plan on doing but want to spitball it with someone. It is not like we have anyone else to discuss these things other than this foru...
by EnjoyIt
Sat Sep 26, 2020 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off a 1.5% school loan
Replies: 27
Views: 1959

Re: Would you pay off a 1.5% school loan

...school loans at 1.5% ...2.75% mortgage. Short answer to the thread title: no. Longer answer: if you want to pay off any debt, paying the 2.75% mortgage makes more sense - and even that depends on your expected bond returns when answering the "invest vs. pay debt" question. Maybe I misrepresented...
by EnjoyIt
Sat Sep 26, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off a 1.5% school loan
Replies: 27
Views: 1959

Would you pay off a 1.5% school loan

The details: We are in our mid 40s and have saved up around 25x expenses but still looking to work part time and still contributing. We are maxing out all retirement space (401k, HSA, backdoor Roth.) 529 is well funded, we hope, but willing to cashflow extra college expenses if needed. I have about ...
by EnjoyIt
Sat Sep 26, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Hiring a Security Guard Agency
Replies: 30
Views: 2406

Re: Hiring a Security Guard Agency

egrets wrote: Sat Sep 26, 2020 3:26 pm Do people actually break into houses that are filed with poison gas?
This is exactly what I was thinking. Or maybe like the TV show Breaking Bad, while they fumigate they cook some meth for resale.
by EnjoyIt
Sat Sep 26, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5572

Re: Annual oil changes a must? Car maintenance during these times

We have a pair of Hondas that even before COVID we were driving less than 5000 miles/year. It's now less than 1000/car over the last year. We've always just gotten annual oil changes per the recommendation in the owner's manual. One of our cars is now at about 14 months since the last oil change. I...
by EnjoyIt
Sat Sep 26, 2020 3:14 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

I followed Mr. Bogle's advice of limiting my exposure to international stocks so they represent 20% of my equity holdings. I am in the deaccumulation stage so I have not bought or sold any of my international holdings in sometime. If Vanguard and others are correct that International will outperfor...
by EnjoyIt
Sat Sep 26, 2020 3:13 pm
Forum: Personal Investments
Topic: VXUS - Why? [Vanguard Total International Stock ETF]
Replies: 109
Views: 6537

Re: VXUS - Why? [Vanguard Total International Stock ETF]

It fascinates me that some people can hold a fixed allocation to international, watch it underperform for a decade, and feel tempted to buy more. And yet other investors do the *exact* opposite, either dumping international entirely or reducing their allocation to it. It makes me wonder how much th...
by EnjoyIt
Sat Sep 26, 2020 1:49 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

I followed Mr. Bogle's advice of limiting my exposure to international stocks so they represent 20% of my equity holdings. I am in the deaccumulation stage so I have not bought or sold any of my international holdings in sometime. If Vanguard and others are correct that International will outperfor...
by EnjoyIt
Sat Sep 26, 2020 10:02 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 139
Views: 11986

Re: Long Suffering VXUS Holder No More

I followed Mr. Bogle's advice of limiting my exposure to international stocks so they represent 20% of my equity holdings. I am in the deaccumulation stage so I have not bought or sold any of my international holdings in sometime. If Vanguard and others are correct that International will outperfor...
by EnjoyIt
Sat Sep 26, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Gazillionth mortgage pay off question
Replies: 62
Views: 4721

Re: Gazillionth mortgage pay off question

Do you find the mortgage to be a burden? If not, I would add to taxable. Just my two cents. Not from a cost perspective, but from a mental- what if I lose my job or get sick perspective then yes. If you are losing sleep over it, pay off the mortgage. Otherwise, don't. You asked the same question a ...
by EnjoyIt
Fri Sep 25, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 14301

Re: Paying off sub 4% mortgage interest rate early

$85K left on a 15y, 3.875 loan, paying roughly double per month. Now I'm kind of re-evaluating. I had part of our emergency fund tiered into a CD ladder, which was great two years ago but a complete waste of time now, and I'm wondering if I should just re-direct that cash at the mortgage or buy mor...
by EnjoyIt
Fri Sep 25, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 400
Views: 86919

Re: Physician Retirement Savings

This was a basic SPIA, though it is deferred until I turn 65. There are various threads about them. A basic income annuity is a form of longevity insurance; the insurance company takes money from those that die early to pay those that live too long. I could explain more, but that would derail the t...
by EnjoyIt
Fri Sep 25, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 400
Views: 86919

Re: Physician Retirement Savings

We are hovering around $4M, but have purchased an income annuity with $1.5M recently, I have cut back to a no call situation, in a surgery cent4er environment. Life is good at soon to be age 60. I am not the highest net worth, but with the annuity we will have a base income that will pay the expens...
by EnjoyIt
Fri Sep 25, 2020 12:13 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1715
Views: 223396

Re: Post your Financial Milestone Announcements Here

I have no one else to share this with other than this forum. We paid off our 2.75% mortgage this week. Actually, it looks like we overpaid and the mortgage company owes us $45 which they said will send to use in the next few weeks. Why can't I charge them 2.75% interest...lol. We are in our mid 40s...
by EnjoyIt
Fri Sep 25, 2020 12:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8936
Views: 710321

Re: U.S. stocks continue to soar!

EnjoyIt wrote: Thu Aug 20, 2020 11:45 am I’ll be thrilled if we stay flat at around this level s&p 500 3290 - 3390 until a vaccine is approved by the US.

“Pigs get fat, hogs get slaughtered.”

I’m content just being a pig.
I will expand my previous prediction range 3200-3400
by EnjoyIt
Fri Sep 25, 2020 11:46 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1715
Views: 223396

Re: Post your Financial Milestone Announcements Here

I have no one else to share this with other than this forum. We paid off our 2.75% mortgage this week. Actually, it looks like we overpaid and the mortgage company owes us $45 which they said will send to use in the next few weeks. Why can't I charge them 2.75% interest...lol. We are in our mid 40s ...
by EnjoyIt
Fri Sep 25, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 400
Views: 86919

Re: Physician Retirement Savings

We are hovering around $4M, but have purchased an income annuity with $1.5M recently, I have cut back to a no call situation, in a surgery cent4er environment. Life is good at soon to be age 60. I am not the highest net worth, but with the annuity we will have a base income that will pay the expens...
by EnjoyIt
Fri Sep 25, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 14301

Re: Paying off sub 4% mortgage interest rate early

We're on track to pay off next spring once the mortgage balance = half of our emergency fund. Half of the emergency fund was earmarked for mortgage payments so with no mortgage we won't need to hold that cash which is rotting away at <1% With interest rates so low and equities so high despite the h...