Search found 659 matches

by BogleBoogie
Tue May 12, 2020 8:56 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8263

Re: Percentage of savings to "prepping"?

I can't tell if this post is sarcastic or not. No, not sarcastic at all. I know one person that has spent his entire life, and every dime of discretionary income he has, buying certain items in preparation for something that will never happen in his lifetime. Now he's 70, with no retirement savings...
by BogleBoogie
Fri Apr 24, 2020 10:24 pm
Forum: Personal Investments
Topic: $10,000 for 25 years
Replies: 21
Views: 1977

Re: $10,000 for 25 years

samz10461 wrote:
Fri Apr 24, 2020 9:36 pm
Sorry about the confusion. I should have been more clear.
What was the answer? 10k one time or 10k/yr?
by BogleBoogie
Thu Apr 16, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: Worried about the future of REITs
Replies: 62
Views: 4453

Re: Worried about the future of REITs

Historically real estate has done quite well. I'm not sure that I would let a virus with a vaccine 12-18 months away cause you to falter on real estate. In the very short term, it may struggle like most other investments. What if people realize they can be as productive without wasting 500 hours of...
by BogleBoogie
Thu Apr 16, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31072

Re: Car Dealers not really wanting to make a deal

I don't know the reasoning and can't think of a hypothesis, but had the same experience you did when attempting to shop for a vehicle over the last few weeks.
by BogleBoogie
Wed Apr 15, 2020 5:37 pm
Forum: Investing - Theory, News & General
Topic: Worried about the future of REITs
Replies: 62
Views: 4453

Re: Worried about the future of REITs

Historically real estate has done quite well. I'm not sure that I would let a virus with a vaccine 12-18 months away cause you to falter on real estate. In the very short term, it may struggle like most other investments.
by BogleBoogie
Wed Apr 15, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Convince me - for or against bigger home
Replies: 92
Views: 5454

Re: Convince me - for or against bigger home

We just downsized significantly (2300 to 1500) and have similar size family. We enjoy less spaces to clean and having the family in closer proximity. I would think long and hard about upsizing.
by BogleBoogie
Tue Apr 14, 2020 11:17 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97022

Re: Well, I am market timing due to coronavirus... Wish me luck.

Buy high sell low? Seems like you need more than luck.
by BogleBoogie
Fri Apr 10, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 348
Views: 31206

Re: It's Not Different This Time

I have done nothing. I did three things: TLH rebalance reallocate from 50/50 to 60/40 Yes, I know number 3 is naughty but I had been considering that move for some time and could not resist mixing it in with 1 and 2. They almost forced my hand. Once the money is up in the air you might as well let ...
by BogleBoogie
Mon Apr 06, 2020 8:19 pm
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18190

Re: Why does anyone invest in international funds?

Why would anyone international invest in the United States?
by BogleBoogie
Wed Apr 01, 2020 11:15 pm
Forum: Investing - Theory, News & General
Topic: What is your age/AA during this crisis?
Replies: 138
Views: 6316

Re: What is your age/AA during this crisis?

40

Was 60/40 pre-crisis

Recognizing my willingness to take on risk and maybe buying (timing attempt) opportunities I've switched to...

80/20 now.
by BogleBoogie
Wed Apr 01, 2020 10:33 pm
Forum: Investing - Theory, News & General
Topic: Investing in stocks in the current market conditions: how and when would you do it?
Replies: 83
Views: 5801

Re: how many Bogleheads cheating..

k1982 wrote:
Wed Apr 01, 2020 8:32 pm
..on buying individual stocks right now?
I am. And I never do.
by BogleBoogie
Sun Mar 29, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 87
Views: 35905

Re: Convince me to choose a Suburban over a Sequoia

I disagree. I found this thread because I'm trying to choose between a Yukon and a Sequoia.
by BogleBoogie
Sat Mar 21, 2020 10:05 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97022

Re: Well, I am market timing due to coronavirus... Wish me luck.

I did it, I just could not help myself. With markets are all time highest and the coronavirus causing China to quarantine 50 million people, the USA stopping all flights to China and China basically putting their economy on hold for a few weeks I had to take some profits and rebalance my investment...
by BogleBoogie
Fri Mar 20, 2020 12:42 pm
Forum: Personal Investments
Topic: Bonds or Stocks?
Replies: 10
Views: 669

Re: Bonds or Stocks?

Why pick one or the other? Pick both.
by BogleBoogie
Fri Mar 20, 2020 12:40 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4308

Re: Lock loss or ride the wave with 15 years to go?

I think the market is about to take an even bigger hit in the next few months. I have lost 30% so far, but I have at least 13-15 years until I need that money. Here’s my dilemma: A. Lock in my losses as it takes longer to recuperate the lower I go. B. Ride the wave because I have a good while to go...
by BogleBoogie
Tue Mar 17, 2020 9:11 pm
Forum: Personal Investments
Topic: Buying Silver for apocalypse
Replies: 63
Views: 3255

Re: Buying Silver for apocalypse

cogito wrote:
Mon Mar 16, 2020 2:47 pm
Posts like this make me think we're getting close to maximum fear/panic.
Bingo!
by BogleBoogie
Tue Mar 17, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 284
Views: 42059

Re: 30 year mortgage under 3%

I have made literally one payment on my 3.625% 30-year mortgage. Am I insane for even considering a re-fi? Someone else who knows more can chime in, but I'm told there is a "seasoning period" of time where you can't refinance. One broker told me 6 months. I'm not in the industry so don't know for a...
by BogleBoogie
Tue Mar 17, 2020 6:48 pm
Forum: Personal Investments
Topic: Changing Asset Allocation in IRAs - Sell at loss?
Replies: 3
Views: 239

Re: Changing Asset Allocation in IRAs - Sell at loss?

ycak wrote:
Tue Mar 17, 2020 6:44 pm
My Roth and SEP IRA's are currently 100% VTSAX and I'd like to change my over all asset allocation moving forward to Global Market/Cap Weight using VT/VTWAX.

My accounts are down +- 27%. Does it make sense to sell now and rebalance into VT?
Seems like poor timing to sell.
by BogleBoogie
Sat Mar 07, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 284
Views: 42059

Re: 30 year mortgage under 3%

I have made literally one payment on my 3.625% 30-year mortgage. Am I insane for even considering a re-fi? Someone else who knows more can chime in, but I'm told there is a "seasoning period" of time where you can't refinance. One broker told me 6 months. I'm not in the industry so don't know for a...
by BogleBoogie
Thu Mar 05, 2020 9:09 pm
Forum: Personal Investments
Topic: Couch potato 60\40 in a down market
Replies: 34
Views: 4315

Re: Couch potato 60\40 in a down market

Yes, I read your post that we are in different phases. Our AA's and plan are based on our horizon of expectation, willingness and need to take risk. Why does the phase matter when we are talking about sticking with a plan and not making decisions based on market fluctuations and fear?
by BogleBoogie
Thu Mar 05, 2020 7:52 pm
Forum: Personal Investments
Topic: Couch potato 60\40 in a down market
Replies: 34
Views: 4315

Re: Couch potato 60\40 in a down market

https://www.bogleheads.org/forum/viewtopic.php?f=10&t=79939 Read over this post. Ironically, as you are uncomfortable and want to sell, I'm resisting the urge to BUY. Neither of us know more than the other in terms of where the market is headed next week, next month, next year. This would be a more...
by BogleBoogie
Fri Feb 28, 2020 5:50 pm
Forum: Personal Investments
Topic: Couch potato 60\40 in a down market
Replies: 34
Views: 4315

Re: Couch potato 60\40 in a down market

viewtopic.php?f=10&t=79939

Read over this post. Ironically, as you are uncomfortable and want to sell, I'm resisting the urge to BUY. Neither of us know more than the other in terms of where the market is headed next week, next month, next year.
by BogleBoogie
Fri Feb 28, 2020 5:46 pm
Forum: Personal Investments
Topic: Couch potato 60\40 in a down market
Replies: 34
Views: 4315

Re: Couch potato 60\40 in a down market

I don't buy in to the idea that "it's only a loss on paper if ya sell" belief - it's a loss if it's worth less than I paid. At my age, I am more attracted to the idea of mitigating further losses by selling than incurring additional losses by sitting tight. AND I've already lost more with VTI than ...
by BogleBoogie
Fri Feb 28, 2020 12:27 pm
Forum: Personal Investments
Topic: Couch potato 60\40 in a down market
Replies: 34
Views: 4315

Re: Couch potato 60\40 in a down market

Stay the course. Stick with your plan. Short terms losses/gains shouldn't cause you to change your plan.

If you sell today after recently buying, you are guaranteeing a loss by locking the loss in.
by BogleBoogie
Sat Feb 22, 2020 10:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard 2020-2030 Returns Projection Table
Replies: 115
Views: 8246

Re: Vanguard 2020-2030 Returns Projection Table

These projections are a great reminder to starting investing early and often! :o
by BogleBoogie
Sat Dec 28, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Skiing
Replies: 48
Views: 4636

Re: Skiing

The word "skiing" is one of the few words in the English language with consecutive "I".
by BogleBoogie
Fri Dec 27, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80536

Re: Talk me out of buying a Tesla Model 3

You lost me at, "non-performance model."
by BogleBoogie
Fri Dec 13, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new or used Toyota Camry?
Replies: 83
Views: 4359

Re: Should I buy a new or used Toyota Camry?

It's a personal decision. Would you rather benefit from the depreciation or be negatively impacted by it?
by BogleBoogie
Wed Dec 11, 2019 10:38 pm
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7502

Re: Which iPhone would you buy today?

6 or 6s. They have them on Amazon used refurbished for a little over $100. Some sellers offer 12 month warranty. Can't go wrong...
by BogleBoogie
Sun Dec 08, 2019 8:07 pm
Forum: Personal Investments
Topic: 2020 Plan for $45,000,000 in 2045
Replies: 81
Views: 14599

Re: 2020 Plan for $45,000,000 in 2045

Don't forget to live a little before hitting that goal and having a boatload of money to die with...
by BogleBoogie
Sat Nov 09, 2019 12:10 pm
Forum: Non-US Investing
Topic: S&P500 52 week high, Hold, DCA, or Invest lump sums
Replies: 13
Views: 1214

Re: S&P500 52 week high, Hold, DCA, or Invest lump sums

What is your desired asset allocation? If it calls for more equity, then I would invest DCA for psychological reasons. Hi student, I'm in my late 30s and this is my current allocation. I know it may be argued to be too conservative, but knowing myself my risk tolerance is quite low. :| Recently, as...
by BogleBoogie
Thu Oct 31, 2019 6:57 pm
Forum: Personal Investments
Topic: If I save $65,000 a year for the next 25 years
Replies: 34
Views: 4461

Re: If I save $65,000 a year for the next 25 years

Please post your information in the format shown on the Wiki for everyone to make the best educated guess. Each situation is different.
by BogleBoogie
Sat Oct 26, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: 2.1% processing fee at California DMV
Replies: 31
Views: 2566

Re: 2.1% processing fee at California DMV

I find the credit card rewards a scam. The credit card companies pay you a reward using money they charge the seller. So you win, the credit card company wins, and the seller looses. I don't see the scam. The consumer believes he is receiving this great benefit of points/cash back. The reality is t...
by BogleBoogie
Sun Oct 06, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Buying a house with in slab copper piping
Replies: 34
Views: 4329

Re: Buying a house with in slab copper piping

If you love the house and it is a fair deal, pay the 20K and have peace of mind for another 50+ years. Also, it adds to the value of the home so it isn't like you are setting 20K on fire.
by BogleBoogie
Tue Sep 17, 2019 11:58 pm
Forum: Personal Consumer Issues
Topic: $2k repairs on $12K car
Replies: 81
Views: 5661

Re: $2k repairs on $12K car

This is no-brainer in my book. I would easily put $2k into that car (and have basically done the same thing but at 100k miles). She's happy with the vehicle, keep it well maintained and on the road. Don't forget the cost of the new car isn't just the car. It is the sales tax, the increased licensing...
by BogleBoogie
Mon Sep 16, 2019 9:27 pm
Forum: Investing - Theory, News & General
Topic: Is the 60/40 portfolio allocation strategy being killed?
Replies: 142
Views: 17108

Re: Is the 60/40 portfolio allocation strategy being killed?

I don't think it's being killed. That is my strategy and it's worked well.
by BogleBoogie
Sun Sep 08, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 100
Views: 11154

Re: IPhone 6 - showing some age

I just upgraded my 5SE iPhone yesterday by taking my wife's phone (iPhone 7?). She really wanted to upgrade to the new 10. I could careless. I liked my 5 but figured it would be foolish to not utilize her newer phone. If I were in your position, I would pay the $99 to get the new apple battery if yo...
by BogleBoogie
Sat Sep 07, 2019 10:10 pm
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 5643

Re: Costco washer/dryer delivery: tipping?

No, I would not tip. That would be inappropriate. Also, likely against their policy to accept.
by BogleBoogie
Sat Sep 07, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing about money and investing
Replies: 21
Views: 2370

Re: Obsessing about money and investing

Have you thought about seeking professional help? Isn't part of the idea of this site, and the lazy portfolios, to minimize worries and to not have to check every hour on our investments? Not being rude or offensive but your life seems to be overly consumed with worries about a subject you seem to ...
by BogleBoogie
Sun Sep 01, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 13788

Re: 3 fund people how are you feeling?

Feeling great. While I suppose I peek at balance and general market movement, I haven't paid attention enough to even re-think 3 fund portfolio (maybe I'm missing something). However, I suppose one of the reasons to have a 3 fund is to be able to tune out noise and weather ups and downs.
by BogleBoogie
Sat Aug 24, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 985
Views: 102349

Re: Why are you NOT buying rental properties?

I'm personally not for these reasons: 1. I'm not handy so there will be zero "sweat equity" that would help boost the investment. 2. I'm already employed full time, I don't want additional work. 3. In my area after the downpayment, I would at best break even each month between rent income and mortga...
by BogleBoogie
Fri Aug 02, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12828

Re: Insane to buy a sports car?

Your financial situation seems pretty ripe for this purchase, especially given how much joy the car will bring given what you've expressed. Subjectively I would be leaning towards the newly redesigned mid engine Corvette. I've shown my wife plenty of photos of the 2020, but we are not anywhere near ...
by BogleBoogie
Thu Aug 01, 2019 10:50 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Complacency
Replies: 77
Views: 6873

Re: Boglehead Complacency

I'll never get these 9 minutes back.
by BogleBoogie
Thu Aug 01, 2019 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 158
Views: 11999

Re: Ethics of "bonus payback" when quitting a job

There is no ethics related scenario. If company made the employee sign the contract, then it is the company that will tell how they will take it back or deduct from final payouts and such. I dont think it is the employee responsibility to decide on the amount (gross or net pay) and the process and ...
by BogleBoogie
Sun Jul 28, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 167
Views: 22689

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

with Vanguard federal money market VMFXX paying a 7-day SEC yeild of 2.26%, is this promotion really worth all the moving money around, setting up a new account, etc? Seems like a lot of work for not much more return. $1000 is worth it for 15 minutes of my time ($500 x 2 account for me, account for...
by BogleBoogie
Sat Jul 27, 2019 6:54 pm
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 101
Views: 22344

Re: Retire with Less Than $1 million?

I see a lot of big numbers on this site. I'm wondering -- is anyone expecting to retire with *less* than one million dollars? Is it doable? I expect to have somewhere between 650K-800K when I retire. My expenses are about $33,000 per year with ten years to go. House will be paid off. No other debt....
by BogleBoogie
Mon Jul 15, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: New car?
Replies: 49
Views: 5180

Re: New car?

BogleBoogie - I did not keep the receipts for gas purchases. Since 1975 upon returning to the states from an overseas tour of duty I have purchased an "At-A-Glance" auto record book for each new car purchased thereafter and recorded on a quarterly or semi-annual basis the mileage, amount of gas pur...
by BogleBoogie
Fri Jun 28, 2019 10:37 am
Forum: Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 184
Views: 20019

Re: Expected returns for 80/20 stock bond for next 10 years.

I understand. Recency bias is very real in financial expectations. It’s common for investors to expect high returns after a ten year period of high returns. With Timelord's question on using the VG data from 1926-2017 average return, how does that relate to recency bias? That seems like it would be...
by BogleBoogie
Thu Jun 27, 2019 7:49 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks .. talk me out of it
Replies: 31
Views: 2340

Re: Individual Stocks .. talk me out of it

You might do much better than all of us who simply diversify with index funds.