Search found 1621 matches

by flyingaway
Thu Jan 18, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: 10 years expenses in FI
Replies: 49
Views: 4942

Re: 10 years expenses in FI

This is called bucket allocation.
by flyingaway
Thu Jan 18, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7575

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Looks like the White Coat Investor is going to retire soon and get some side gigs going. That is his choice and I am happy for him, if it is.
by flyingaway
Wed Jan 17, 2018 10:53 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle says Fidelity will be sold in 5 years...
Replies: 37
Views: 8667

Re: Jack Bogle says Fidelity will be sold in 5 years...

Normally I would take Jack's "guess" over others "100% sure". I did not watch the video, however, I think this is pure speculation. Seeing the trend to passive, Fidelity is "plugging the holes" in indexing with very low cost (Vanguard competitive) index funds. I don't expect the Johnson family to b...
by flyingaway
Wed Jan 17, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: 1,000th post and a 'No-Fail' Retirement Formula
Replies: 52
Views: 5100

Re: 1,000th post and a 'No-Fail' Retirement Formula

How about the 4% rule? You are too conservative.
by flyingaway
Wed Jan 17, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 96
Views: 10978

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

In the latter part of the interview Joe Davis says he will stick to his plan. One might think they know that this is the peak, and maybe they'd be right, but for successful timing they will - just as importantly - also need to know when to get back in. IOW's one has to be right (lucky) twice. Stay ...
by flyingaway
Tue Jan 16, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4626

Re: Anyone pondering moving to a cheaper place and downsizing?

I know what they are looking for there. :?: There are inexpensive options for...entertainment...of retired....men...even if some of those opportunities are not quite what they seem to be. To find out more read some of the novels by John Burdett. The author of the article cited above: http://www.mrf...
by flyingaway
Tue Jan 16, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4626

Re: Anyone pondering moving to a cheaper place and downsizing?

Thousands of people apparently enjoy it. I've heard that the ex-pat community in Southeast Asia is surprisingly large. I know what they are looking for there. :?: There are inexpensive options for...entertainment...of retired....men...even if some of those opportunities are not quite what they seem...
by flyingaway
Tue Jan 16, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4626

Re: Anyone pondering moving to a cheaper place and downsizing?

Rob in cal, Welcome to Bogleheads. What a interesting thought... This article has your name written all over it. Enjoy... http://www.mrfreeat33.com/can-you-retire-in-thailand-with-200000/ Great article. I''ve been seriously considering living abroad for some time. I'm single, no kids, and with my s...
by flyingaway
Tue Jan 16, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4626

Re: Anyone pondering moving to a cheaper place and downsizing?

Great article. I''ve been seriously considering living abroad for some time. I'm single, no kids, and with my savings I could live unbelievably well in other countries. The US is what I know and where I'm the most comfortable, but there are such beautiful countries where you can have an amazing lif...
by flyingaway
Tue Jan 16, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20128

Re: Anyone disenchanted with retirement?

Retired late 2002; been traveling ever since :sharebeer Do you keep a house in the U.S.? Sold the house around 2002. I'm considering leasing an apartment in the US in the not too distant future and splitting my time between the US and other countries. I've also thought about living on cruise ships ...
by flyingaway
Tue Jan 16, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4626

Re: Anyone pondering moving to a cheaper place and downsizing?

Rob in cal, Welcome to Bogleheads. What a interesting thought... This article has your name written all over it. Enjoy... http://www.mrfreeat33.com/can-you-retire-in-thailand-with-200000/ Great article. I''ve been seriously considering living abroad for some time. I'm single, no kids, and with my s...
by flyingaway
Tue Jan 16, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Was 2017 a unique year for the stock market?
Replies: 11
Views: 2018

Re: Was 2017 a unique year for the stock market?

Every year is different and unique.
by flyingaway
Tue Jan 16, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4626

Re: Anyone pondering moving to a cheaper place and downsizing?

This is a difficult decision. We want to downsize, but don't want to do many times. The cost and hassle involved are just too much. Our final decision will probably be based on where my children will be and whether or not our friends will stay after retirement.
by flyingaway
Tue Jan 16, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4797

Re: A half year at full pay or a full year at half pay?

Half year full pay is the way to go. You have not of months in summer and winter break, why mess up with reduced pay? Unless you really want to be somewhere else and they pay you the other half.
by flyingaway
Tue Jan 16, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7682

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

Look at the number of individual posts and “joined date” for the people writing in about sitting on the sidelines. A lot of them are new to the forum and are either unfamiliar with or still learning the Boglehead philosophy. I guess many bogleheads have retired and are no longer active here. Funny,...
by flyingaway
Tue Jan 16, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7682

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

There seems to be a lot of fear on this forum, and that surprises me. When I joined three months ago, I was hoping to find a group of investors who followed the investment philosophies of John Bogle. I was looking for encouragement, yet every day one or more people post that a crash is coming and t...
by flyingaway
Tue Jan 16, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7682

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

There seems to be a lot of fear on this forum, and that surprises me. When I joined three months ago, I was hoping to find a group of investors who followed the investment philosophies of John Bogle. I was looking for encouragement, yet every day one or more people post that a crash is coming and t...
by flyingaway
Tue Jan 16, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 35036

Re: Year 2000 retirees using the '4% rule' - Where are they now?

But if you're planning for a 40 year retirement, 4% might not be overly conservative. I keep hearing this from folks, and I can't figure out why the "SWR" for 40 years has to be significantly lower than for 30 years. There's lot of feeling out there, but no real hard data. Yes, we do not have a who...
by flyingaway
Tue Jan 16, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 5114

Re: Friend Got Laid Off - Advice Needed

Computer science jobs are plenty these days. You don't have to have a specialty, you just need to be able to write codes.
If he is willing to look for jobs, I am sure he will be able to find one quickly.
by flyingaway
Tue Jan 16, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: rebalancing
Replies: 5
Views: 468

Re: rebalancing

I am doing rebalance regardless. Stocks can be up and down, bonds can be up and down. Who knows the future?
by flyingaway
Tue Jan 16, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20128

Re: Anyone disenchanted with retirement?

Lancelot wrote:
Mon Jan 15, 2018 11:45 pm
Retired late 2002; been traveling ever since :sharebeer
Do you keep a house in the U.S.?
by flyingaway
Tue Jan 16, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7682

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

What I am looking for are behavioral signs. What specific behaviors do you observe that make that light bulb go off in your head? 2018 will be a big increase for me in retirement contributions. Therefore, I know it won’t be a down year because then I could be buying at a discount. I think other tha...
by flyingaway
Tue Jan 16, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: “Future US Equity Returns: A Best-Case Upper Limit”
Replies: 20
Views: 1745

Re: “Future US Equity Returns: A Best-Case Upper Limit”

The 2nd figure shows that pension fund allocation to equities has been high since 1998, yet we had two great crashes after 1998. These are not incongruous in the context of the post, from my reading. There is not an attempt to explain pension fund asset allocation as the driver of multiple expansio...
by flyingaway
Tue Jan 16, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7682

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

Here's all you need to know (from the chart that was posted): The average Bull Market period lasted 9.0 years with an average cumulative total return of 480%. The average Bear Market period lasted 1.4 years with an average cumulative loss of -41% Why would you assume that a big corporate tax cut wo...
by flyingaway
Tue Jan 16, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7682

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

Here's all you need to know (from the chart that was posted): The average Bull Market period lasted 9.0 years with an average cumulative total return of 480%. The average Bear Market period lasted 1.4 years with an average cumulative loss of -41% Why would you assume that a big corporate tax cut wo...
by flyingaway
Tue Jan 16, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: “Future US Equity Returns: A Best-Case Upper Limit”
Replies: 20
Views: 1745

Re: “Future US Equity Returns: A Best-Case Upper Limit”

The 2nd figure shows that pension fund allocation to equities has been high since 1998, yet we had two great crashes after 1998.
by flyingaway
Tue Jan 16, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7682

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

livesoft wrote:
Tue Jan 16, 2018 9:55 am
Really big days are more extreme than this. But the recent gains are quite nice and nothing to sneer at.
I hope people understand that you are not 100% in equities.
by flyingaway
Mon Jan 15, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 51
Views: 3587

Re: Considering PhD...but so much to consider...

I am also a professor and got my Ph.D. at 34. I do not encourage people to do a Ph.D. for financial purposes, certainly not for early retirement. However, as willthrill81 pointed out, there are advantages, life styles, job security, and prestige with a Ph.D. degree, especially with an academic caree...
by flyingaway
Mon Jan 15, 2018 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Possible retirement?
Replies: 10
Views: 1170

Re: Possible retirement?

Without social security or some pension, it is tough. But I think the OP just forgot to mention those.
by flyingaway
Mon Jan 15, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: Anyway to compare metrics of today w stock bubble in 2000
Replies: 26
Views: 2341

Re: Anyway to compare metrics of today w stock bubble in 2000

Still only at about 75% of peak valuations from 2000 (using CAPE). http://www.multpl.com/shiller-pe/ Using the link for monthly table there, CAPE (Shiller PE) hit 43 in 2000 vs. 32 now. There are also links to other valuation metrics there. So if CAPE hit 43 in 2000 when the market crashed, will mo...
by flyingaway
Mon Jan 15, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Predict round number for a major index? Who cares? Predict Livesoft 60,000 instead.
Replies: 3
Views: 515

Re: Predict round number for a major index? Who cares? Predict Livesoft 60,000 instead.

When I judge the quality of a post or comment, I usually look at how many posts the person has made, not necessarily the more the better. But if a person has made less than 200 posts, I may take that comment or post lightly.
by flyingaway
Mon Jan 15, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 197
Views: 14375

Re: Stats on When People Take Social Security

And then there are some, admittedly few, who took SS at 62 because they had young children who would get benefits, and a spouse who would wait until age 70. Not everyone filing at 62 “doesn’t get it.” 🍅 🍅 This is our situation. Wife will file for benefits at 62 this year and that would allow me to ...
by flyingaway
Mon Jan 15, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 197
Views: 14375

Re: Stats on When People Take Social Security

For a couple, it is usually recommended the lower one takes social security at 62. That is a good percentage already.

Just don't say that all others are dumb when you are in a different shoe.
by flyingaway
Mon Jan 15, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: how to figure out the assest allocation that you can sleep well with
Replies: 22
Views: 1960

Re: how to figure out the assest allocation that you can sleep well with

No asset allocation will make me sleep well. I worry about market crash with high equity allocation. I worry about missing gains with low equity allocation. I guess I am just greedy.

If you have not reached your number yet, take risk. If you have, reduce your risk.
by flyingaway
Sun Jan 14, 2018 7:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 200
Views: 13732

Re: Post your Financial Milestone Announcements Here

Ha ha, good timing as we just did our annual net worth update. We hit our "number" this year. Yay us. But our most significant milestone for 2017 and the one we're most proud of was giving away more than we spent. I hope that will continue for many years. And since I'm putting up the second post in...
by flyingaway
Sat Jan 13, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4704

Re: Almost a pathological fear of debt, to my detriment?

The first thing in my life is to pay off any debt, even if there is no interest.
by flyingaway
Fri Jan 12, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 30415

Re: Anyone tired of the stock market going up?

(3) Massively better corporate tax rate. and ability to bring overseas cash back to 'invest'. Regardless of how you feel about it....I have to think the tax plan passing has something to do with it. This, in theory, should prop the markets up in 2018. Did people say that the tax cut had already bee...
by flyingaway
Fri Jan 12, 2018 8:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 200
Views: 13732

Re: Post your Financial Milestone Announcements Here

KlangFool wrote:
Wed Jan 10, 2018 10:20 pm
Folks,

2017 will be the first year that my portfolio growth matched my gross income. All I need is 2 more years like this.

KlangFool
I sincerely congratulate you for your success, and thank you for your contributions to this forum.
by flyingaway
Fri Jan 12, 2018 8:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 200
Views: 13732

Re: Post your Financial Milestone Announcements Here

Ha ha, good timing as we just did our annual net worth update. We hit our "number" this year. Yay us. But our most significant milestone for 2017 and the one we're most proud of was giving away more than we spent. I hope that will continue for many years. And since I'm putting up the second post in...
by flyingaway
Fri Jan 12, 2018 7:24 pm
Forum: Investing - Theory, News & General
Topic: Should we be using high equity retirement portfolios? - Some cFIREsim scenarios.
Replies: 58
Views: 6513

Re: Should we be using high equity retirement portfolios? - Some cFIREsim scenarios.

nedsaid wrote: I don't know. From my experience and having known a lot of "old" people and becoming one myself, it just doesn't seem practical that people are going to maintain 100% and 90% stock allocations throughout retirement. It seems that most people I know get more risk averse as they get ol...
by flyingaway
Fri Jan 12, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20128

Re: Anyone disenchanted with retirement?

Still several years away from retirement myself, but I think about my dad's experience: he was a manager and retired from the federal government at 55 (with 30+ years) after a heart attack, thinking he might not have many years to live. But he was a doer, not a thinker, and after less than a year h...
by flyingaway
Thu Jan 11, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: anyone else enjoying an afternoon nap in retirement?
Replies: 19
Views: 1825

Re: anyone else enjoying an afternoon nap in retirement?

I always like the after lunch naps, retired or not. Just took one today from 1:00pm to 3:30pm.
by flyingaway
Thu Jan 11, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12397

Re: Is it time for me to "call in rich"?

I've been planning for a long time to retire in the year I turn 55. That is two years from now. But I am thinking about hitting the silk earlier. Like, in the next few weeks... So this will be the proverbial "can we really pull this off?" post. This year, I turn 53. I've been investing since 1987 (...
by flyingaway
Wed Jan 10, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Noise in my attic
Replies: 307
Views: 78071

Re: Noise in my attic

Looks like we have some noise in our house. I suspect it is because of the structure, as the noise might be caused by the start of the air-conditioning system.
by flyingaway
Tue Jan 09, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20128

Re: Anyone disenchanted with retirement?

I envy the "love my work" people, wish I was one of them but I'm not. Had no great plan for retirement either but I have had some of life's best experiences without much of a plan. Four years in and absolutely no regrets. I've had money and no time, I've had time and no money, now I have both. This...
by flyingaway
Tue Jan 09, 2018 2:02 am
Forum: Personal Finance (Not Investing)
Topic: Can you ever win the game?
Replies: 50
Views: 5274

Re: Can you ever win the game?

Sure you can win the game. For instance, in the past year, I minimized expenses while travelling by sleeping in my car for a few nights. 10 nights altogether. I used public restrooms during this time (Home Depots are the nicest in this respect). I don't NEED to sleep in my car, but honestly, it was...