Search found 3762 matches

by MnD
Sat Nov 17, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: How to pick a wifi router to replace one we rent from Cox?
Replies: 20
Views: 1173

Re: How to pick a wifi router to replace one we rent from Cox?

Several years back we bought the cable modem that Costco had in the warehouse. I figured they wouldn't stock/sell something that isn't going to work with the main local ISP's and/or was "difficult", and I surmised correctly. EZ-peasy to replace the rental and works like a charm.
by MnD
Sat Nov 17, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 171
Views: 9014

Re: If riskier than US, why doesn't international outperform?

Nobody knows more than the peopie at Vanguard, but Vanguard’s decision to herd its investors like cattle into large international stock allocations has been handled poorly. The decisionmaking process prior to the sudden shift was opaque. The big announcement didn’t explain “why now”—had Vanguard be...
by MnD
Fri Nov 16, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads On Investing" podcast stats and more
Replies: 21
Views: 1532

Re: "Bogleheads On Investing" podcast stats and more

I searched for these on Spotify and it came back with nothing. Obviously this is a music-centric app but they are pushing podcasts now. Found and listened to a series from Schwab on investing biases recently titled Choiceology through Spotify - very good. I found this https://www.thepodcasthost.com/...
by MnD
Wed Nov 14, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 199
Views: 24477

Re: [Financial] Habits of the Rich

One spouse, one house, one sled.
(Married 1985, house purchased 1991 and my lifetime wheels were/are 1977/1989/2005 pickups.)
by MnD
Wed Nov 14, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 465
Views: 80808

Re: How much international stock? A suggestion.

Was there not a more recent Vanguard study saying 30-40%? I wound up picking 40% based on something I read from Vanguard saying 30-40 and another study stating 40-50 was the right amount. I set mine at 40%, which also acts as enough to hedge any Japan situation (however unlikely) in the US. Of cour...
by MnD
Wed Nov 14, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 465
Views: 80808

Re: How much international stock? A suggestion.

Jack Bogle has struggled (for decades) on accepting ETF's as useful tools in a low-cost index fund investment strategy, so it's no surprise he also has problems with ex-US investing. It's very hard to move beyond what you built and had great success in life with. Jack Bogle gives reasons and presen...
by MnD
Wed Nov 14, 2018 12:29 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 465
Views: 80808

Re: How much international stock? A suggestion.

Jack Bogle has struggled (for decades) on accepting ETF's as useful tools in a low-cost index fund investment strategy, so it's no surprise he also has problems with ex-US investing. It's very hard to move beyond what you built and had great success in life with.
by MnD
Tue Nov 13, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: health savings account as federal employees
Replies: 30
Views: 10559

Re: health savings account as federal employees

I want to bump this thread since it hasn't been updated for quite a while. We're heading into open enrollment and I currently have GEHA standard deductible plan. I enjoy the flexibility of PPO so I want to stick with that. However, I am thinking of switching to HSA this year due to the tax benefits...
by MnD
Tue Nov 13, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4616

Re: How to deposit cash in online account with no local branch

Several hundred? Costco will take care of this problem very quickly. If you don't have room for 8 big t-bone steaks and 72 rolls of toilet paper how about buying a a gift card for your main grocery store.
by MnD
Mon Nov 12, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 83
Views: 7489

Re: Vanguard investor class shares on their way out?

Could much of the outflows could be due to the fact that SCV is drastically underperforming the S&P lately? There wasn't any outflow for ETF and admiral class shares (quite the opposite in fact) and the same pattern held for small cap and small cap growth index funds. Look at 12/31. Inflows are slo...
by MnD
Mon Nov 12, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 83
Views: 7489

Re: Vanguard investor class shares on their way out?

lukestuckenhymer wrote:
Mon Nov 12, 2018 5:03 pm
Could much of the outflows could be due to the fact that SCV is drastically underperforming the S&P lately?
There wasn't any outflow for ETF and admiral class shares (quite the opposite in fact) and the same pattern held for small cap and small cap growth index funds.
by MnD
Mon Nov 12, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 83
Views: 7489

Vanguard investor class shares on their way out?

I noticed in the last semi-annual report for Vanguard small cap index funds, capital share transactions for investor class shares are negative while ETF and admiral share transactions were significantly positive. Given the higher expense ratios for investor shares versus admiral and ETF classes and ...
by MnD
Mon Nov 12, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8098

Re: What's everyone currently in?

Sorted by value highest to lowest...... G Fund Government Securities I Fund International Stock Index C Fund Common Stock Index S Fund Small Cap Stock Index Schwab Emerging Markets Equity ETF™ Dodge & Cox Global Bond Fund Dodge & Cox Stock Fund Vanguard 500 Index Fund Admiral Shares Vanguard Small-C...
by MnD
Mon Nov 12, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 465
Views: 80808

Re: How much international stock? A suggestion.

Regardless of what range is buried in some white paper, Vanguard invests 40% of their customers equity holdings in ex-US through their Target Date and Lifestrategy funds, a percentage that is also default equity allocation used in their Personal Advisor Services. Hence when it comes to managing real...
by MnD
Sun Nov 11, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4830

Re: Doing taxes by hand

Did TurboTax make software for a Commodore 64? If so, I'm sure I used it. On my hard drive, I have TurboTax files for my husband and me going back to 1995, for my folks going back to 1992. Do any of you remember printing TurboTax forms on a dot-matrix printer? Fun times. I think my main reason for ...
by MnD
Sun Nov 11, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11729

Re: If expenses are low, are some of us over saving?

We saved enough so our after-tax income in retirement (starting next month) will be roughly the same as our after-tax after-retirement savings income in the couple years prior to retirement. That clearly defines the line for us between under-saving and over-saving. "$3K" seems like a meaningless num...
by MnD
Sun Nov 11, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Would you still jump if you were ready, then the market dropped 50%??
Replies: 40
Views: 4631

Re: Would you still jump if you were ready, then the market dropped 50%??

Retiring in 19 days at age 56, 70/30 with global market cap on equities and yes, I'd still retire if the global equity market declined 50% between now and November 30, 2018. Under our withdrawal plan (% of annual portfolio balance) our gross income would drop by 18.5% with a smaller percentage than ...
by MnD
Sat Nov 10, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 465
Views: 80808

Re: How much international stock? A suggestion.

The one thing I think is worth challenging, however, is the repeated appeal to authority to support an argument that is both empirically and theoretically dismissible. Appeal to authority seems to be the primary go to argument in these threads posted or bumped almost daily here by those that take i...
by MnD
Sat Nov 10, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4830

Re: Doing taxes by hand

It costs the feds and states much more to support and process paper returns which also account for a disproportionate amount of returns with errors which add another layer of costs. Do society a favor and use some sort of electronic return with error checking.
by MnD
Sat Nov 03, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bond Funds Really a Good Investment Now?
Replies: 44
Views: 5022

Re: Are Bond Funds Really a Good Investment Now?

They are a much better deal "Now" versus when the 10-year Treasury was yielding ~1.4% as recently as July 2016.
Why would you be considering the merit of bond fund investment now when the future prospects (yield) is so much higher it was 2.X years ago?
by MnD
Sat Nov 03, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 7716

Re: How low can BND go?

if historically intermediate term bonds have been around 4.93% (source: https://www.mindfullyinvesting.com/articles/6-what-to-invest-in/6-1-historical-returns-and-risks/) and they're currently at 3.22%...then what does that tell you about whether BND can continue to go lower? Hint: there's an inver...
by MnD
Sat Nov 03, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 7716

Re: How low can BND go?

I'm not suggesting asset allocation changes or duration timing. I just hope that investors aren't surprised by the loss of purchasing power that can result from investing in a government-heavy intermediate term bond fund during times of increasing interest rates and even "normal" inflation. It's whe...
by MnD
Sat Nov 03, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 7716

Re: How low can BND go?

Since July 2016 BND total return has been -2% nominal and -6.4% real. That's consistent with the fund duration and intermediate term interest rate increases since them. What the future holds is unknown but the 35-year bull market in bonds (1981-July 2016) has resulted in most current investors havi...
by MnD
Sat Nov 03, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 7716

Re: How low can BND go?

Since July 2016 BND total return has been -2% nominal and approx. -6.4% real. That's consistent with the fund duration and intermediate term interest rate increases since them. What the future holds is unknown but the 35-year bull market in bonds (1981-July 2016) has resulted in most current investo...
by MnD
Fri Nov 02, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3870

Re: When to get a new toilet?

Our new toilets were a huge upgrade. Less water, way better flushing, never clog or threaten to overflow, chair/comfort height, one piece so no rubber gaskets between tank and bowl and super easy to clean. Compact but still elongated bowl and reasonably quiet. The innards are very simple so maintena...
by MnD
Fri Nov 02, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: HDHP vs. PPO new family
Replies: 7
Views: 375

Re: HDHP vs. PPO new family

HDHP's were phased in to benefit employers bottom lines not to benefit employees similar to the demise of pensions and replacement with 401-K's. Bogleheads do their best to turn sow's ears into a silk purses by LBYM and pouring large sums into retirement savings plans and HSA's but given the option ...
by MnD
Thu Nov 01, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8081

Re: Fully maxed out

Nope - no need or desire to. We saved what was needed to reach our retirement income goals of roughly the same very non-frugal lifestyle in retirement versus working by our mid-50's and spend the rest like drunken sailors. Increasingly spending is on quality experiences although we don't hesitate on...
by MnD
Wed Oct 31, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refunds expected to be 26% more in 2019
Replies: 52
Views: 5690

Re: Tax refunds expected to be 26% more in 2019

alfaspider wrote:
Wed Oct 31, 2018 8:05 am
My goal has always been to pay the maximum possible without incurring a penalty. I prefer to get an interest-free loan from the government rather than provide one to it :happy
Excellent. As a fellow tax payer - I thank you! :happy
by MnD
Wed Oct 31, 2018 7:19 am
Forum: Investing - Theory, News & General
Topic: Is the growing national debt a reason to diversify with international?
Replies: 33
Views: 3403

Re: Is the growing national debt a reason to diversify with international?

Going global market cap in 2001 greatly reduces my concerns such as when a single country diverges on policies XYZ. Bought the haystack and get what the weighted aggregate market returns are. No rebalancing within equity - just set it and forget it. 9.4% equity CAGR versus 10.2% if I had made a sing...
by MnD
Tue Oct 30, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8528

Re: When to change tires; and what brand

1. When do you guys change tires ? I know that tire tread depth is 8/32 mm for a brand new tire and 2/32 mm for a completely bald tire. 10 or even 11/32nd's of an inch is decent brand new tire tread depth if you shop around. For example Michelin X-tour is 10/32. A completely bald tire is 0/32nd tre...
by MnD
Mon Oct 29, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8528

Re: When to change tires; and what brand

1. When do you guys change tires ? I know that tire tread depth is 8/32 mm for a brand new tire and 2/32 mm for a completely bald tire. 10 or even 11/32nd's of an inch is decent brand new tire tread depth if you shop around. For example Michelin X-tour is 10/32. A completely bald tire is 0/32nd tre...
by MnD
Mon Oct 29, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: Rollover - Time out of market
Replies: 27
Views: 2095

Re: Rollover - Time out of market

I moved things around temporarily in my 401-K to rebalance DW's 401-K to IRA rollover. Took a few mouse clicks. I don't think it's a bad idea to cover an allocation gap, but I wouldn't stress out over it if it's not easy for an individual to do so and I certainly wouldn't incur any tax or trading co...
by MnD
Mon Oct 29, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4927

Re: Should I co-sign for relative?

Go for it if you want a learning experience from the School of Hard Knocks.
by MnD
Sun Oct 28, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Are you too wealthy for a LIQUID emergency fund?
Replies: 29
Views: 4903

Re: Are you too wealthy for a LIQUID emergency fund?

We went 30 years with an all-stock emergency fund of 70K (built in our 20's, pre-kids, double income). Never added a dime to it and have spent a few 100-thousand from it over the decades. After all the spending it's still about 1.5X larger after inflation than it was when we set it up. Curiously the...
by MnD
Sun Oct 28, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 117
Views: 10138

Re: Federal Employees, leading up to retirement?

Sick Leave balance/time is calculated in defining the FERS pension monthly benefit - - - > which results in a monetary value/per month for the remaining lifetime of the retired fed employee. Ask any boglehead about small, incremental savings over a remaining lifetime time period and whether that ca...
by MnD
Sun Oct 28, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 138
Views: 13148

Re: US T bills - first time user

Update of Doc's chart from page 2. In 2018 the 13-week is still maintaining a very nice premium over the fed funds rate and the 4-week is right on top of it. Not the case in 2016-17. Still pleased with 3-bill ladder at Schwab maturing 4, 9 and 13 weeks out, (25% in each) plus 25% in Money Market. ht...
by MnD
Sun Oct 28, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 117
Views: 10138

Re: Federal Employees, leading up to retirement?

I'll be retiring later this year with 2450 hours of unused sick leave which will add 1 year 2 months to my service which equates to almost 3.5% increase in my pension for life including joint-life survivors pension benefits. It has served as a substitute for a short-term disability policy for decad...
by MnD
Sat Oct 27, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Market Timing = Dumb. But What About Retirement Timing?
Replies: 15
Views: 2352

Re: Market Timing = Dumb. But What About Retirement Timing?

5 weeks from retirement at age 56 with AA at 70/30 for life. A pension and later SS will cover all true "needs". I can afford to take more risk with the funds that will provide our wants and we have the desire and investing personality to do so. Some people would make the opposite argument in this s...
by MnD
Sat Oct 27, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: In retirement, when do you stop withdrawing from stocks in a downturn?
Replies: 141
Views: 9378

Re: In retirement, when do you stop withdrawing from stocks in a downturn?

In January I'm planning to withdraw 5% of December 31 portfolio balance annually in whatever proportion of stock/bonds needed to rebalance to my AA. Then only rebalance further without withdrawal if AA balance can't be achieved by this annual withdrawal. Just bought McClure's book "Living Off Your M...
by MnD
Fri Oct 26, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get vision insurance?
Replies: 39
Views: 4054

Re: Should I get vision insurance?

An annual eye exam is mostly covered under my regular health insurance if in-network. A number of local practices are in-network have reasonable exam prices, but very inflated prices for glasses and contacts. So I ask for the Rx from local eye exam place and take the vision Rx's to Costco and buy th...
by MnD
Fri Oct 26, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Best Total International Stock ETF
Replies: 16
Views: 1226

Re: Best Total International Stock ETF

VXUS and IXUS both try to do the same thing. Technically they track different indexes--FTSE Global All Cap ex US Index and MSCI ACWI ex USA IMI Index, but both of those indexes try to do the same thing. It looks like they both have succeeded. And hence the perfect tax-loss trading pair for ex-US.
by MnD
Thu Oct 25, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: Is emerging markets investable?
Replies: 51
Views: 2939

Re: Emerging Markets

milosz19 wrote:
Thu Oct 25, 2018 10:48 am
I am in the process of simplifying my portfolio.
VT - Total World Stock. Very simple. One and done.
by MnD
Thu Oct 25, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Is this an international wash sale?
Replies: 11
Views: 714

Re: Is this an international wash sale?

Are they they same mutual fund or a different class of the same mutual fund?
No, so it isn't a wash sale.
The idea that trading similar but distinct mutual funds will trigger a wash sale is the Bigfoot of this forum. Often discussed but never observed.
by MnD
Wed Oct 24, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7900

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Not surprising considering the latest Federal Reserve survey of consumer finances (SCF) indicates the median value (50th percentile) of household total financial assets is $23,500. Not hard to burn through that over 2 years when something comes up. https://www.federalreserve.gov/econres/files/Bullet...
by MnD
Tue Oct 23, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4821

Re: When Will Attaining Millionaire Status Be Obsolete?

I'm a multi-millionaire and I sure don't feel rich. Being a millionaire makes you middle class in 2018. According to the latest Federal Reserve survey of consumer finances (SCF), the median value of household financial assets is $23,500. https://www.federalreserve.gov/econres/files/BulletinCharts.p...
by MnD
Tue Oct 23, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4821

Re: When Will Attaining Millionaire Status Be Obsolete?

Considering that the median value of household financial assets is around $20K, I'd say something 50X greater than that and a round number will maintain very significant status value for quite some time. I suppose it will morph into something like the $100,000 income which isn't lifestyles of the ri...
by MnD
Tue Oct 23, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: So...what’s Plan B [for your retirement security]?
Replies: 32
Views: 3523

Re: So...what’s Plan B [for your retirement security]?

Safe money covers true needs so Plan A (% of annual portfolio withdrawal) can't fail and is just bankrolling "wants". And as such, inherently has plan B through Z contained depending on what the markets do, which will simply dictate the magnitude of spending on wants. Other levers I have but don't p...
by MnD
Mon Oct 22, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Federal taxes in retirement
Replies: 25
Views: 2474

Re: Federal taxes in retirement

If I was in this boat we'd both retire, defer the higher income-earner SS to 70, take the lower earner SS at 62 and up the % withdrawal rate on the portfolio to 4-5% with a variable (percentage of annual portfolio) approach which will mitigate a runaway portfolio balance to the upside situation. You...
by MnD
Sat Oct 20, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Received strange letter from IRS
Replies: 14
Views: 2804

Re: Received strange letter from IRS

I got a strange letter a few years ago from the hospital saying they were working on the bill for my back surgery and stay tuned.
My expected share was several thousand dollars and this was about 3 months after surgery.
No bills ever arrived!
Hope you get the same outcome. :beer
by MnD
Sat Oct 20, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6928

Re: Depositing Cash if it was gifted?

I was paid cash for a used car and deposited something like $8K in cash. Zero issues - deposit took about 15 seconds - he had some kind of bill counter. I did not get the evil eye and the clerk was not pulling out Treasury report forms from under the counter as I walked away. :mrgreen: If it was me ...