Search found 1916 matches

by flyingaway
Tue Dec 18, 2018 2:12 am
Forum: Investing - Help with Personal Investments
Topic: The 4% rule
Replies: 24
Views: 2031

Re: The 4% rule

The 4% rule does not have 100% success rate, many people forget about that.
by flyingaway
Mon Dec 17, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do once you hit your target number?
Replies: 10
Views: 823

Re: What did you do once you hit your target number?

If you don't want to retire, gwa new number and move on.
For me, started enjoy life, more travel, less work.
by flyingaway
Sat Dec 15, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 104
Views: 8689

Re: I made a mistake by not selling when the market was high this year

For some of you who did sell at the peak, do you feel very lucky?
by flyingaway
Wed Dec 12, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 56
Views: 6959

Re: Recession Coming

Do you guys think that stock market is done well before a recession is officially recognized? Most people here asking about recessions are interested in the stock market, not recession per se.
by flyingaway
Wed Dec 12, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 14042

Re: Retired in your late 40s or early 50s?

To me the major question mark is healthcare though ACA provides a solution. Just worried about how long before it gets diluted or repealed.. It seems at the moment the pre-existing conditions will always be protected. I don't see it being repealed as there is no alternative that was acceptable when...
by flyingaway
Tue Dec 11, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4202

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

I have four months of break* in the summer and winter and I have been thinking about what to do and/or where to live during this period for a while. I am 37 yo, single, likes outdoor activities a lot, good weather (60 - low 80s). Budget is up to $5k/month. Ideally, a city with good weather, museums...
by flyingaway
Tue Dec 11, 2018 6:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 551
Views: 64881

Re: Post your Financial Milestone Announcements Here

Lost $200,000 from my peak. My wife said that we have to work two more years.
by flyingaway
Tue Dec 11, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21725

Re: What percentage of your net worth is your home equity?

19% and paid off. Hope to make it to less than 15% at retirement.
by flyingaway
Tue Dec 11, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

At least I have not seen "should I be 100% in stocks" like threads for a while.
by flyingaway
Tue Dec 11, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 14042

Re: Retired in your late 40s or early 50s?

Can we assume that people are more likely to tell successful stories?
Those who retired early and failed are unlikely to post their experience here, while we do need those stories.
by flyingaway
Mon Dec 10, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7733

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Have been to all 50 states and 47 countries and areas. If I could find anything more interesting than traveling, I would be happier. It seems to me that I have no reason to retire if not for more time to do travel. I teach at a university and have plenty of time to do things many people mentioned he...
by flyingaway
Mon Dec 10, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 14042

Re: Retired in your late 40s or early 50s?

Resigned from a job earlier this year that I once loved but grew to really dislike. I'm 52 and DW is 50. I am lucky in that she is highly compensated and plans to work another 4 or 5 years. We also planned for many years to retire early and were prodigious savers and investors. I started a consulti...
by flyingaway
Fri Dec 07, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: If everybody indexed, the only word you could use is chaos, catastrophe
Replies: 107
Views: 16726

Re: If everybody indexed, the only word you could use is chaos, catastrophe

An active fund can be considered as an index fund following the private index of the manager who adjusts its index content from time to time.
by flyingaway
Fri Dec 07, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

When the market is up, I could not find a reason why it should be down.
When the market is down, I could not find a reason why it should be up.
by flyingaway
Tue Dec 04, 2018 11:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

Aren’t we just back to last Tuesday for the S&P? What’s all the commotion about? The percentage drop unnerves a lot of people. The fact that we're back to where we were less than a month ago is simply ignored by many. I think the recent trend has been generally downward. A few down days, followed b...
by flyingaway
Thu Nov 29, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 18005

Re: Bogle Sounds a Warning on Index Funds

There are so many different index funds that the indexes are becoming active with smart people behind their constructions.
by flyingaway
Mon Nov 19, 2018 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8260

Re: Current Retirees: Do you touch your principal?

If you don't (or do not plan to) spend the principal ever, why bother to have saved so much in the first place?
by flyingaway
Wed Nov 14, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7227

Re: Are you all staying the course?

I went to Kroger and saw the price of instant noodles is still $1 for a half dozen pack, so I decided to stay the course.
by flyingaway
Thu Nov 08, 2018 11:32 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 45927

Re: Whats your number to walk away?

AerialWombat wrote:
Thu Nov 08, 2018 8:35 pm
If I could sell my business and net $675,000, I'd walk without hesitation. I could live on that the rest of my life.

It's mindboggling to me to see the numbers some folks are posting, even with a family.
I am wondering, if I could sell my job, ...
by flyingaway
Thu Nov 08, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 45927

Re: Whats your number to walk away?

After reading the last few posts here, I deleted my retirement plan from my computer and started working on a new resume.
by flyingaway
Tue Nov 06, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10744

Re: This man can predict when bubbles burst: time to time the market?

If everyone believes in him, and gets out of the market at the same time, then the market will burst, for sure.
by flyingaway
Tue Nov 06, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: ACA in early retirement question.
Replies: 20
Views: 1404

Re: ACA in early retirement question.

Your previous employer allows you to get back into their plan after several years out of it after retirement? I think that is rather unusual? As I understand it, Megacorp's retiree plan lets you get in at any time, but only during the usual open enrollment. In fact they just sent me the forms for t...
by flyingaway
Tue Nov 06, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15047

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

Whatever is left when we are gone will be to my two sons. But we do not have anything particularly set up for them.
by flyingaway
Tue Oct 30, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 119
Views: 19516

Re: New retirees: so whatdayathink ?

I agree in principle. Briefly: because of a change in benefits eligibility, if I wanted to be eligible for retiree medical insurance, I had to retire in 2017 or I would not be eligible until 2022. Based on FIRECalc and other considerations, I decided that I had "enough" and retired, being OK (finan...
by flyingaway
Tue Oct 30, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

MJW wrote:
Tue Oct 30, 2018 2:23 pm
I just saw a tweet from Rick Ferri where he remarked that the recent drop in the market should improve expected 10 year returns for US stocks.
It would have even higher expected 10 year returns if the U.S. stocks drop 10% more tomorrow.
by flyingaway
Tue Oct 30, 2018 7:02 pm
Forum: Investing - Theory, News & General
Topic: Should we discourage the bond tent?
Replies: 53
Views: 4206

Re: Should we discourage the bond tent?

When you have won the game, why keep playing?
When you have a large portfolio, you need to protect it first.
by flyingaway
Mon Oct 29, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: "The long term...."
Replies: 10
Views: 1396

Re: "The long term...."

5 years is my long term. Life is short.
by flyingaway
Mon Oct 29, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 119
Views: 19516

Re: New retirees: so whatdayathink ?

Did you mean that you are realy to unretire? That's a good question. There were some benefit-related reasons why it made sense for me to retire when I did, and I've asked myself whether, without those considerations, I would have been better off taking a sabbatical or an unpaid leave. The answer tu...
by flyingaway
Mon Oct 29, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 119
Views: 19516

Re: New retirees: so whatdayathink ?

With the bump of this thread, I might as well give a six-month update. I'm still delighted to be retired, but I've been having thoughts/feelings about whether I "should" be doing something more productive. While I'm happy enough in my small town that inertia could keep me here for a while, I'm seri...
by flyingaway
Thu Oct 25, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1235665

Re: For those waiting for a 'correction' ...

livesoft wrote:
Thu Oct 25, 2018 6:00 am
For those waiting for a 'correction' ...

Are you done waiting?

Why or why not?
I did not have much patience, I bought on Tuesday, before the big drop on Wednesday.
by flyingaway
Thu Oct 25, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

DanMahowny wrote:
Thu Oct 25, 2018 8:38 am
Today's "bounce back" will be short lived. Pretty soon, the market will roll over and go deep red.
Please let me know how deep it will go. I like free falls.
by flyingaway
Wed Oct 24, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

willthrill81 wrote:
Wed Oct 24, 2018 10:29 pm
My funds are back where they were in October of last year! The horror!! Get the kids in the car honey, we're heading for the hills!! :wink:
I do my portfolio calculation at the end of every month. I am going to know if I am still financially independent in the morning of November 1.
by flyingaway
Wed Oct 24, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 119
Views: 19516

Re: New retirees: so whatdayathink ?

randomizer wrote:
Fri Apr 20, 2018 8:19 pm
I’ve been retired for a few months now, my employer just doesn’t know it yet. :D
:D
I have a few friends playing cards on Saturday nights regularly. Most of them are 6 or 7 years older than I am, and none of them has any desire to retire. So I hang on there.
by flyingaway
Wed Oct 24, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

DIVE! DIVE! DIVE! I'm expecting a big whoosh-down a few days from now on Monday. I wish I had more dry powder to deploy but I plan to deploy what I've got at that time. I plan on waiting a bit longer than that. The DOW and S&P aren't even in correction territory, yet. If we get close to a bear, or ...
by flyingaway
Wed Oct 24, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

Maybe we should teach the new comers what is CAPE10. You don't need to know anything about CAPE to believe that market returns will be lower in the next decade than they've been in the last. Historically, investors' average equity allocation has been a far stronger predictor of future market return...
by flyingaway
Wed Oct 24, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

Maybe we should teach the new comers what is CAPE10.
by flyingaway
Tue Oct 23, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

Read something this AM that ~76% of S&P 500 stocks that have reported so far have BEAT earnings. So why the &*!%^% is the market tanking when one or two companies (3M, CAT) barely miss or beat? Ditto on the Fed raising rates - we've known what the Fed was going to do for a year now. No new news. Se...
by flyingaway
Mon Oct 22, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 3246

Re: Shouldn't Fridays be higher than average due to 401k contributions?

I think you buy a fund from your contributions, the fund managers buy stocks on the days they choose to.
by flyingaway
Mon Oct 22, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 83627

Re: How much money do you want to retire?

I think we both agree that 1) People don't want to voluntarily retire during bear market. 2) People don't want to voluntarily retire during bull market. I have no idea if this discussion is helping any body at all :-) What I really think is that the people who do voluntarily retire, the type of mar...
by flyingaway
Mon Oct 22, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4902

Re: Beer - Strong German Style Lagers

Aldi has several European beers, including the German ones.
by flyingaway
Fri Oct 19, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11381

Re: What do you consider 'enough'?

There is no such thing as to 'calculate' what is enough...calculation suggests there is some secret math or accuracy in the term 'enough', when in reality that term is entirely born in your imagination It is never 'enough' - there are endless ways of inflating your lifestyle . Its very much a movin...
by flyingaway
Fri Oct 19, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11381

Re: What do you consider 'enough'?

Enough income: income that is high enough to support your lifestyle, save at least 15% for retirment, save sufficiently for your kids' education, and retire your debts agressively. Enough asset: Asset that is equal to 33 times your gross annual expenses. TravelforFun Am not debating your 33X gross ...
by flyingaway
Fri Oct 19, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual funds or ETFs in taxable accounts?
Replies: 12
Views: 1166

Re: Mutual funds or ETFs in taxable accounts?

I use ETFs in taxable to control the price I'm selling at for the purposes of TLH (and eventually TGH). It's not a big impact though: you typically have a good idea what the closing price will be in the last 20 minutes of trading, so you're unlikely to be surprised with late-day mutual fund TLHing....
by flyingaway
Fri Oct 19, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6640

Re: Did you retire because you hit your number?

I know my post is not replying to the OP's question but..... how do you decide your number? I just cannot! I have read many posts on this and I(no one) cannot predict the future of course but how can you decide on how much medical cost will be down the line, cost of living increases........etc etc....
by flyingaway
Fri Oct 19, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual funds or ETFs in taxable accounts?
Replies: 12
Views: 1166

Mutual funds or ETFs in taxable accounts?

In your taxable accounts, do you prefer to hold mutual funds or the equivalent ETFs? Why the preference?

(and if you are interested in something like tax loss harvesting?)
by flyingaway
Wed Oct 17, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6640

Re: Did you retire because you hit your number?

After I hit my number, I did not retire, but I started to live like I am in my retirement life.
by flyingaway
Mon Oct 15, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49628

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I am wondering why this is not considered as a kind of market timing?
by flyingaway
Fri Oct 12, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692678

Re: U.S. stocks in freefall

I was planning to buy some dips today. Since it bounced back, I decided to buy a 25 day trip to Europe, Asia, and Africa.