Search found 1461 matches

by dcabler
Fri Sep 18, 2020 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security & Survivor's Benefit
Replies: 7
Views: 1603

Re: Delaying Social Security & Survivor's Benefit

Thank you sscritic ! I had the same question and so far, no one at SSA, can answer this question. You were great to include the link to the resource. Kevin One issue I have not seen addressed is what happens if DH dies after 66 (his full retirement age) and before age 70, i.e. he has filed and susp...
by dcabler
Wed Sep 16, 2020 1:40 pm
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 82
Views: 15058

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

MarketWatch recently published an article entitled "The stock market’s rebound is nowhere near over, and midcap exposure is probably what you need". link It summarizes a report by Matthew Bartolini, head of SPDR Americas Research. During the three systemic risk events under consideration, mid-cap s...
by dcabler
Tue Sep 15, 2020 6:35 am
Forum: Personal Investments
Topic: My four plan vanguard portfolio !
Replies: 30
Views: 2495

Re: My four plan vanguard portfolio !

You might want to start here, then follow the links:
https://www.bogleheads.org/wiki/Main_Page

cheers
by dcabler
Mon Sep 14, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Books or Courses on leadership that helped your career
Replies: 51
Views: 2508

Re: Books or Courses on leadership that helped your career

Various companies where I've worked have brought in training for managers. I have to say that they were all pretty cookie cutter "leadership skills" classes and probably added less than 1% to my capabilities, if that much. Two very practical exceptions: A weeklong program management basics class an...
by dcabler
Mon Sep 14, 2020 6:10 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - From Rates to Returns [Bond Fund Simulator]
Replies: 373
Views: 63205

Re: Historical Bond Returns - From Rates to Returns [Bond Fund Simulator]

Ok, I went for ((1 + D/2) x (1 + J/2) - 1) for now. Seemed more logical. I updated my historical spreadsheet accordingly. PS. this is an NBER series, it's just that FRED made it available on its Web site, so we probably shouldn't assume this is the same logic as FRED CMT series. The best descriptio...
by dcabler
Mon Sep 14, 2020 5:54 am
Forum: Personal Consumer Issues
Topic: Books or Courses on leadership that helped your career
Replies: 51
Views: 2508

Re: Books or Courses on leadership that helped your career

Various companies where I've worked have brought in training for managers. I have to say that they were all pretty cookie cutter "leadership skills" classes and probably added less than 1% to my capabilities, if that much. Two very practical exceptions: A weeklong program management basics class and...
by dcabler
Wed Sep 09, 2020 5:53 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 71
Views: 4219

Re: Repair plasma television or get new TV?

As other have said, highly likely it's an electrolytic capacitor somewhere in the system. Even when they are "high quality", they still tend to have the shortest lifespans vs. other components in any electronic system. I have a friend who has a business fixing circuit boards for appliances (for the ...
by dcabler
Mon Sep 07, 2020 1:36 pm
Forum: Personal Investments
Topic: Contrafund vs SP Index Fund
Replies: 19
Views: 2337

Re: Contrafund vs SP Index Fund

Contrafund and Low priced stocks are the only two higher fee funds I have left. I've had them for decades in Roth IRA. I've kept an eye on them, and over time I've pared my stake somewhat, but still hang onto them. My take is contra these days tracks the index performance fairly closely. It is a bi...
by dcabler
Mon Sep 07, 2020 5:09 am
Forum: Personal Investments
Topic: Do I really own anything if everything can require a Medallion signature which I can never get?
Replies: 71
Views: 7672

Re: Do I really own anything if everything can require a Medallion signature which I can never get?

I've had to get them three times. It was always a moderate pain. My local bank, where I've been a customer since the days when my signature card was a physical card in something that looked like a floorstanding freezer-chest-sized motorized Rolodex, has done them for free, but it is only a small nu...
by dcabler
Sun Sep 06, 2020 7:01 am
Forum: Investing - Theory, News & General
Topic: Edelman "Telling" Investors to Sell
Replies: 49
Views: 5500

Re: Edelman "Telling" Investors to Sell

Tool-Time wrote: Sun Sep 06, 2020 6:33 am On this mornings show, Edelman was telling are people to sell their stock investments if they feel scared. All the while scaring them with evidence of a market drop, cycles show sell off etc. Are you selling?
I don't do anything based on what talking heads in any media format say. Ever.
by dcabler
Thu Sep 03, 2020 6:05 am
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 84
Views: 6453

Re: Best Way to Watch British Mystery Shows

OldOne wrote: Wed Sep 02, 2020 10:53 pm Both BritBox and Acorn TV are new to me. I think I might be interested in those.
PBS used to air a long running British TV series called Eastenders. Anybody know where that might be watched now?
Britbox carries Eastenders. Also Emmerdale if you're interested in other british soap operas...
by dcabler
Thu Sep 03, 2020 5:54 am
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 84
Views: 6453

Re: Best Way to Watch British Mystery Shows

Acorn or Britbox. PBS's streaming channel also carries some British programming, but you might need to set up a minimum $5/mo donation to unlock all content. Some libraries will give you free access to Acorn if you have a library card, but you have to get an access code every couple of weeks. Cheers
by dcabler
Tue Sep 01, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Close HSA for better insurance and FSA?
Replies: 11
Views: 645

Re: Close HSA for better insurance and FSA?

Thank you for the repliess. From things I was reading it made it sound like the FSA had to be of a certain type that only covered dental and other non-medical expenses. They call them a Limited FSA or some such. https://fsastore.com/learn/accounts/have-fsa-and-hsa https://www.discoverybenefits.com/...
by dcabler
Tue Sep 01, 2020 4:36 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 14623

Re: What is your age and asset allocation ?

Currently, age+4 in bonds, but it's a static allocation and will slowly change. Doing a bond umbrella in early retirement. What is a bond umbrella? Sounds like a bond tent, but maybe it's rounded. :P Thanks. Yes, I meant bond tent. But bond umbrella works too. Wait, I meant something smaller than a...
by dcabler
Tue Sep 01, 2020 7:01 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 14623

Re: What is your age and asset allocation ?

student wrote: Tue Sep 01, 2020 6:59 am
rkhusky wrote: Tue Sep 01, 2020 6:28 am Currently, age+4 in bonds, but it's a static allocation and will slowly change. Doing a bond umbrella in early retirement.
What is a bond umbrella?
Sounds like a bond tent, but maybe it's rounded. :P
by dcabler
Tue Sep 01, 2020 7:00 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 14623

Re: What is your age and asset allocation ?

Age 59, Wife 60. Main Portfolio is 60/40 Besides that, we have a TIPs/Ibond ladder set up to last 15 years, starting at age 70 to supplement Social Security, after which we'll consider a SPIA to carry us the rest of the way. Because of the TIPs/Ibond ladder, we are considering bringing the Main Port...
by dcabler
Sun Aug 23, 2020 5:19 pm
Forum: Personal Investments
Topic: Tax loss harvesting - screening for correlated stocks
Replies: 6
Views: 363

Re: Tax loss harvesting - screening for correlated stocks

I am thinking about tax-loss harvesting on a few individual stocks that I hold: ge, BP, WB I want to invest proceeds in correlated stocks for 31 days and buyback ge, bp, wb after 31 days. Reason to buy back, I have heavy losses on these, I can hold these for 10s of years in a hope to recover my los...
by dcabler
Sun Aug 23, 2020 1:27 pm
Forum: Personal Investments
Topic: When to transition away from Target Date fund
Replies: 25
Views: 2468

Re: When to transition away from Target Date fund

1st time posting. 43 years old. Portfolio finally reached a million. Everything is in tax sheltered within a Fidelity target date index fund. Should I now transition to a 3 fund to save on costs or stick with what has worked. I like the idea of not worrying about rebalancing or the temptation to ma...
by dcabler
Fri Aug 21, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: Please delete my account.
Replies: 8
Views: 2017

Re: Please delete my account.

jazzmaster wrote: Fri Aug 21, 2020 9:22 am Please delete my account.
Just making a post like this in a thread about another subject won't do what you want it to do.

See this post: viewtopic.php?p=4254120#p4254120
by dcabler
Fri Aug 21, 2020 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 15683

Re: Are emergency funds for suckers?

Nothing specifically designated as an emergency fund here. I do keep "working capital" in my checking account but the amount isn't based on needing to fund X months of expenses. It's just for the quick access. Otherwise, we have several credit cards with pretty high limits if a true emergency arises...
by dcabler
Fri Aug 21, 2020 7:10 am
Forum: Investing - Theory, News & General
Topic: Matching Bond Duration to Retirement Timeline Question
Replies: 125
Views: 6313

Re: Matching Bond Duration to Retirement Timeline Question

Grok probably has the best idea with planning early and buying individual long term TIPS to match anticipated spending. I don't really see how a bond portfolio accomplishes the same thing. Approximates it perhaps... What I've seen grok describe is very sensible-- a bucketing approach where assets a...
by dcabler
Thu Aug 20, 2020 2:06 pm
Forum: Personal Investments
Topic: Max the HSA?
Replies: 28
Views: 1646

Re: Max the HSA?

Thank you all for these helpful responses. There is a small amount (in my HSA) that I can invest and the obvious two potential picks are: - Vanguard Total Bond Market Index Adml - Vanguard Total Stock Market Index Adml I have not been sticking to my 70% (stock) / 30% (bond) allocation target. I hav...
by dcabler
Thu Aug 20, 2020 10:17 am
Forum: Personal Investments
Topic: How often are you adding to taxable accounts?
Replies: 78
Views: 4771

Re: How often are you adding to taxable accounts?

Beginning of each month from salary.
Beginning of each quarter after immediately selling ESPP.
Whenever RSU's vest and are immediately sold.
by dcabler
Thu Aug 20, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: How to quit a job for retirement
Replies: 61
Views: 5219

Re: How to quit a job for retirement

During tough times, sometimes companies have voluntary separation programs. My company did that earlier in the year and a bunch of people who were close to retirement jumped on it immediately. Package was OK, but since they were going to retire anyway, it was a win. Biggest problem is that they don'...
by dcabler
Thu Aug 20, 2020 5:52 am
Forum: Investing - Theory, News & General
Topic: Behavioral Reasons to Avoid SCV/Factor Strategies
Replies: 148
Views: 8008

Re: Behavioral Reasons to Avoid SCV/Factor Strategies

. The fact that adding a mere 7 additional months of time can completely reverse a 16 year backtesting conclusion, crowning a new winner, tells you something about the reliability of backtesting to divine future performance. Hmm....garlandwhizzer, I do appreciate your posts on the forum, always tho...
by dcabler
Wed Aug 19, 2020 2:45 pm
Forum: Personal Investments
Topic: Max the HSA?
Replies: 28
Views: 1646

Re: Max the HSA?

I've only worked for an employer with a plan that is eligible for an HSA for the last 3 years. I max it out every year, which is relatively easy for me since my current employer pays 100% of our insurance premium. What I do now (in order) is - Max out my 401K each year by front loading. Because I re...
by dcabler
Wed Aug 19, 2020 6:37 am
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4390

Re: Approach to "News" Consumption

This site might be a good start:

https://www.adfontesmedia.com/
by dcabler
Tue Aug 18, 2020 7:29 pm
Forum: Investing - Theory, News & General
Topic: Behavioral Reasons to Avoid SCV/Factor Strategies
Replies: 148
Views: 8008

Re: Behavioral Reasons to Avoid SCV/Factor Strategies

Desire to out-compete indexes backfired emotionally with poor relative returns. Where you went wrong was comparing your returns with a non-factor strategy. You should have bought, held, and checked back in 30 years to see how you did compared to the non-factor strategy. This is the right answer. "T...
by dcabler
Mon Aug 17, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: [How does one fight the urge to make simple things more complex?]
Replies: 82
Views: 4852

Re: [How does one fight the urge to make simple things more complex?]

As another poster mentioned, "simplicity is in the eye of the beholder". I personally have no desire to target a portfolio that only consists of an arbitrary number of funds between 1 and 3 - not in the modern era of easy access to data, spreadsheets and commission free trading. Rather, my choices a...
by dcabler
Mon Aug 17, 2020 7:33 am
Forum: Non-US Investing
Topic: Unvested Restricted Stock / Equity Exposure
Replies: 11
Views: 604

Re: Unvested Restricted Stock / Equity Exposure

Hello everyone For those who have significant comp via restricted company stock, I’m curious how Bogleheads adjust their asset allocation based on the implied equity exposure? I work for a private trading company, who pay majority of bonus in restricted 3 year vesting stock. Even after the vesting ...
by dcabler
Mon Aug 17, 2020 6:56 am
Forum: Personal Investments
Topic: Is this all there is?
Replies: 20
Views: 1946

Re: Is this all there is?

- use sunscreen
- don't smoke
by dcabler
Sun Aug 16, 2020 6:54 am
Forum: Personal Investments
Topic: Choosing an SCV ETF
Replies: 10
Views: 678

Re: Choosing an SCV ETF

FWIW, here's something I posted on another thread about this a couple of days ago.

viewtopic.php?f=1&t=322873&p=5433936#p5433936
by dcabler
Sat Aug 15, 2020 5:14 am
Forum: Personal Investments
Topic: Small Cap Value Mutual Fund Suggestions for Fidelity User
Replies: 8
Views: 614

Re: Small Cap Value Mutual Fund Suggestions for Fidelity User

Many prefer the S&P indices over Russell. VIOV is another option. The only real hidden cost is the transaction cost (such as bid-ask spread), as I think Fidelity is now commission-free for all US-listed stocks and ETFs. Thanks. Is there any S&P 600 Value mutual fund that's commission-free and has a...
by dcabler
Fri Aug 14, 2020 5:58 am
Forum: Investing - Theory, News & General
Topic: Why Total Bond and not Treasuries?
Replies: 167
Views: 16417

Re: Why Total Bond and not Treasuries?

In the largest portion of my total portfolio, I hold FUAMX, Fidelity's very inexpensive intermediate treasury bond fund. Even though it's likely to have slightly lower long term performance than a Total Bond fund, I find it meets my needs to be able to sleep at night as part of my total portfolio. I...
by dcabler
Fri Aug 14, 2020 5:26 am
Forum: Investing - Theory, News & General
Topic: POLL: How did you overcome the fear of tracking error?
Replies: 30
Views: 1749

Re: POLL: How did you overcome the fear of tracking error?

Long story short, I just established a portfolio strictly following the allocation of PP. 25% eggs put into each asset brasket. Problem is, when I did that, what freaked me out was the recent overvalued price level of TLT. This just makes me very hesitant to keep going and ignore the market noise. ...
by dcabler
Thu Aug 13, 2020 5:27 am
Forum: Personal Investments
Topic: Is FUAMX a good bond fund?
Replies: 3
Views: 484

Re: Is FUAMX a good bond fund?

I recently put my non-stock money into FUAMX. I heard it was a good bond fund. But now I have been reading that some people say bonds are horrible investments these days because of the unique economic situation the world is now in. Is this true? Is FUAMX a good bond fund or not? Is it even worth ho...
by dcabler
Tue Aug 11, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads blog: a new rebalancing study
Replies: 143
Views: 10690

Re: Bogleheads blog: a new rebalancing study

I am curious to understand the annualized volatility of the portfolio balance of each rebalancing method for comparison purposes. Knowing the maximum drawdown might also be useful.[...] Got it. Based on previous feedback, I already added drawdown math and updated my stats, but not yet the blog cont...
by dcabler
Tue Aug 11, 2020 8:16 am
Forum: Investing - Theory, News & General
Topic: Won the game
Replies: 49
Views: 7578

Re: Won the game

What does winning the game means precisely? You have paid off house You set aside a large fund for property taxes, insurance, repairs.. Fully paid healthcare or fund for premiums Long term care insurance 25 - 30x annual expenses Basically you are covered for rest of your life, maintaining the lifes...
by dcabler
Mon Aug 10, 2020 6:55 am
Forum: Personal Investments
Topic: ESPP...sell ASAP?
Replies: 35
Views: 2954

Re: ESPP...sell ASAP?

I've participated in ESPP's at every company I've worked at which had them. None of them have had this restriction and I have always been able to sell as soon as it appeared in my account - which I always do. Frankly, I wouldn't participate in an ESPP plan that had this restriction for the same reas...
by dcabler
Fri Aug 07, 2020 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: your retirement vs. your parents
Replies: 20
Views: 2021

Re: Retirees: your retirement vs. your parents

My parents raised 11 kids which wasn't cheap and they never managed to save a lot. So when they retired, my Dad only had SS and my mom had a pension from her job. We weren't happy with where they were renting, so I purchased a house for them to live in, which I owned, paid taxes, insurance, and main...
by dcabler
Fri Aug 07, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: Chemical Stump Removal
Replies: 17
Views: 1647

Re: Chemical Stump Removal

+1 on grinding them below ground level. Price varies widely depending on where you live for having someone do it. In some places, if you're brave enough, you can rent a grinder and DIY.
by dcabler
Thu Aug 06, 2020 5:40 am
Forum: Investing - Theory, News & General
Topic: When and how often do you rebalance?
Replies: 53
Views: 2712

Re: When and how often do you rebalance?

1. With new money - to push it back towards balance 2. Otherwise adaptive bands described here: https://www.bogleheads.org/forum/viewtopic.php?t=186203 With #1 above, a rebalancing event triggered by #2 is surprisingly rare. Taxable account is 100% stock and rollover IRA contains all of my bonds plu...
by dcabler
Tue Aug 04, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: Replacing 3rd story roof - should we replace gutters also?
Replies: 10
Views: 530

Re: Replacing roof - should we replace gutters also?

Check the fascia to make sure there's no rot from water that may have gotten behind the gutters. And if you need to paint the fascia now's the time - before the roof, to avoid any overspray onto the roof.
by dcabler
Tue Aug 04, 2020 8:27 am
Forum: Personal Finance (Not Investing)
Topic: I was recently given a 14% raise and...
Replies: 47
Views: 6588

Re: I was recently given a 14% raise and...

Have you ever been in a position of losing your employment for any period of time since earning your degree? You think a person can’t or won’t be out of work for a period longer than 12 months? There is no one size fits all but unemployment income hardly pays the expenses for most people reading th...
by dcabler
Tue Aug 04, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: I was recently given a 14% raise and...
Replies: 47
Views: 6588

Re: I was recently given a 14% raise and...

Apologies for the "humble brag" post, but I learned megacorp is giving me a 14% raise which is set to take effect next month, which will translate to a little under $1k/mo incremental net after taxes. Which surprised me as I know most companies are hoarding cash and furloughing/laying off, so I was...
by dcabler
Tue Aug 04, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: I was recently given a 14% raise and...
Replies: 47
Views: 6588

Re: I was recently given a 14% raise and...

Yes I have - I once got a 25% increase early in my career as part of corporate wide study of salaries vs. competitors. What did I do? I hadn't yet maxed out my tax deferred space and since I was already cash flow positive, 100% of that raise went to the 401K. Over the years, I probably got 2 or 3 ot...
by dcabler
Wed Jul 29, 2020 7:17 am
Forum: Investing - Theory, News & General
Topic: The Issue of Backtesting
Replies: 22
Views: 1309

Re: The Issue of Backtesting

I am brand new member to the BogleHead community and the world of investing. I have read about the BogleHead philosophy and really like it. I have also explored different portfolio types and different types of asset allocation. I had a simple question. What is the issue with back testing? I have re...
by dcabler
Tue Jul 28, 2020 8:20 am
Forum: Forum Issues and Administration
Topic: Bogleheads type forum for discussion of current events?
Replies: 14
Views: 1459

Re: Bogleheads type forum for discussion of current events?

^^^ Exactly. It all boils down to the focus of this site and moderator workload. In addition to the inordinate amount of work the moderators will need to keep discussions civil, the site owners will not permit discussions of this type. This will not change. Note the second paragraph in the quoted p...
by dcabler
Tue Jul 28, 2020 5:27 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 289
Views: 33337

Re: What is your overall portfolio weighted expense ratio

<0.07% I have only 2 holdings with e/r's higher than I'd like 1. LTPZ at 0.20% - there really isn't another choice for me for a long term TIPs fund 2. SCZ at 0.40% - I prefer it over some of the lower expense choices, but the amount I hold isn't that large. Ignoring Ibonds, everything else is betwee...
by dcabler
Sat Jul 25, 2020 5:44 am
Forum: Investing - Theory, News & General
Topic: Looking for free API for S&P 500 index
Replies: 7
Views: 975

Re: Looking for free API for S&P 500 index

If you're an Excel type of person, might want to try the SMF Add-in. It has a bunch of direct capability from different sites, but also some general capability as a website scraper...

http://ogres-crypt.com/SMF/