Search found 554 matches

by BogleBoogie
Fri Sep 21, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Im going to die somewhere between Bankruptcy and $20 million
Replies: 46
Views: 9612

Re: Im going to die somewhere between Bankruptcy and $20 million

[(removed) --admin LadyGeek] With 750k at 33, you are in the .1%. Quit reading financial forums, running portfolio visualizers, and humble bragging to a bunch of strangers. You could probably retire at 40. If you cant retire at 55, most won't be able to retire at 90. I am done with this place for a...
by BogleBoogie
Fri Sep 21, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11691

Re: Age in Bonds - Still Recommended?

bargainhuntingking wrote:
Sat Sep 15, 2018 12:50 am
Wait until your first market correction/recession like the one that occurred in 2008-2009. Age in bonds will suddenly become popular again.
Spot on.
by BogleBoogie
Sun Sep 16, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11691

Re: Age in Bonds - Still Recommended?

HEDGEFUNDIE and nasrullah: I think it is dangerous to maintain a 100% stock allocation right up to the day you retire. What happens if we have a bad bear market the year before retiring? Answer: There goes your retirement. :( It is no accident that ALL target funds decrease their stock allocations ...
by BogleBoogie
Sun Sep 16, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11691

Re: Age in Bonds - Still Recommended?

I've never believed in that. Why would someone 25 years old retiring in 40 years have 25% in bonds? Makes no sense to me. I concur. Actually, apart from an individual investor's risk tolerance, there's no good reason I've heard of yet as to why fixed income is necessary at all for people who are 20...
by BogleBoogie
Sat Sep 01, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 361
Views: 62844

Re: Decided to try timing the market. 100% short on 9/17/15

Guy said he followed the 10 month simple moving average on SPY. he went 100% short 9/17/15. SPY closed that day at 199.73 Sep 30 2015 - closed at 191.63. 300 d SMA 204. Still short. (2 week return: + 4%) Oct 31 2015 - closed at 207.93. 300 d SMA 204. Now long. (month return: - 7%) Nov 30 2015 - clo...
by BogleBoogie
Wed Aug 22, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10497

Re: I own 1,387 items!

For the purpose of this exercise, how do you define a "thing"?
by BogleBoogie
Wed Aug 22, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 62
Views: 5734

Re: Am I Wrong for being 100% Equities ?

That is a tough question to answer. You won't know if you are wrong or right until it's too late. I suspect the majority of those on this site in a similar situation would not advocate for 100% equities. William Bernstein certainly wouldn't.
by BogleBoogie
Sun Aug 12, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4940

Re: Should I pay 6000.00 to repair wife's car....

My advice is to sell it. On another note, this is one of the more bizarre threads I've read. I felt like I was in suspense trying to understand what was going on the entire time.
by BogleBoogie
Tue Jul 24, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 8169

Re: Is it possible to change one's career in their 40s?

I think it is very possible if you are committed to success. Our President changed careers and went from private sector to a public servant in his 70's! You can do this.
by BogleBoogie
Tue Jul 24, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Shopping for a new hot tub
Replies: 33
Views: 4555

Re: Shopping for a new hot tub

Costco has great deals. If you are motivated to save money, the amount you can save on a used one is incredible. Check local craiglist for a slight used one. I bought one for a house we owned, and ended up selling after 2 years. I bought that hot tub for $5K and sold it to my neighbor for $1K. Those...
by BogleBoogie
Wed Jul 04, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 13162

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

For those who will be in accumulation phase for the next 10 years, a lower return (3-5%) isn't necessarily a bad thing, correct? Or am I missing something?
by BogleBoogie
Sun Jul 01, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8573

Re: What % of your equity is int’l?

This thread helped me choose, perhaps it will help you more than gathering everyone's %'s (a poll of sorts).

viewtopic.php?t=196956



I went with 20% international.
by BogleBoogie
Sun Jul 01, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22272

Re: Did you celebrate when you finally hit $1m?

You hit $1M in net worth or $1M in retirement account?
by BogleBoogie
Fri Jun 29, 2018 9:03 pm
Forum: Investing - Theory, News & General
Topic: Yes, It’ll Happen - Jonathan Clements
Replies: 33
Views: 7328

Re: Yes, It’ll Happen - Jonathan Clements

It reemphasizes the value of a pension. For example if your pension is 40K a year it equivalent to withdrawing 4% on a 1 million dollar account. Sort of. But with a $1M account, I have $960,000 left in my account/estate if I die one year into retirement. With the pension, not so much... If I die on...
by BogleBoogie
Fri Jun 29, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: Why is warren buffet okay with no owning any bonds?
Replies: 48
Views: 4836

Re: Why is warren buffet okay with no owning any bonds?

vu8 wrote:
Fri Jun 29, 2018 1:20 pm
Warren buffet calls bonds a very dangerous investments and does not own any bonds.
How is he okay with not owning any bonds at his age? Can we own 100% stocks at later years of our lives?
He is okay with it because his situation is nothing like yours, or mine.
by BogleBoogie
Sun Jun 24, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12802

Re: When did you start flying business class?

High 6-figures is more than $666,000 a year to me, so with only $12K monthly expenses, I'd say go for first class. I thought the same thing. If someone is making >$500,000 and complaining about $24,000 in airfare -- especially when they said they hate flying coach -- they need a bit of a reality-ch...
by BogleBoogie
Sun Jun 17, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 38982

Re: Bogleheads, tell me about your 40's?

A friend of mine personal trainer told him 20 years ago that what he does in the gym now (age 40) will affect him 20 years later. He told me his trainer was completely right. Can you provide more details as to what this means? Is he suggesting the heavy weight lifting hurts the body long term? Or s...
by BogleBoogie
Fri Jun 15, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor 30 yrs old. 500k Saved
Replies: 8
Views: 720

Re: Beginner Investor 30 yrs old. 500k Saved

Why have the previous suggestions not been implemented? The market returns that you have missed out on has resulted in a significant missed opportunity. The continuous accumulation of cash is losing buying power over time (inflation) and does not provide any tax deferred advantages - if this is not ...
by BogleBoogie
Sat Jun 09, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: How does an investor best adjust asset allocation from 85/15 to 70/30?
Replies: 23
Views: 2243

Re: How does an investor best adjust asset allocation from 85/15 to 70/30?

drk wrote:
Sat Jun 09, 2018 6:27 pm
FOGU wrote:
Sat Jun 09, 2018 12:09 am
PFInterest wrote:
Sat Jun 09, 2018 12:03 am
you click: convert 150K to total bond.
That was easy.
As a bonus, by taking this approach now, you'll be selling high and buying low.
Bam!
by BogleBoogie
Thu Jun 07, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's own 401k plan eliminating S&P 500 Index option!
Replies: 86
Views: 8214

Re: Vanguard's own 401k plan eliminating S&P 500 Index option!

triceratop wrote:
Thu Jun 07, 2018 1:21 pm
Yes, my comment was meant to be read tongue-in-cheek. ;)
That's how I interpreted it and for that reason, I appreciated it.
by BogleBoogie
Sun May 27, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 25355

Re: Do people still use AAA?

The most recent data shows that 55.6 million people (55,600,000) use AAA in the USA and Canada so I would say yes, people still use AAA.
by BogleBoogie
Fri May 25, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 14698

Re: Renting vs Owning Your Home

It all depends on where you live. You can't just take the numbers of your own city and extrapolate it to everyone. Btw Seattle has a price to rent ratio of 25-35 depending on where I look on the internet. How can it be better to own in this case? (from a purely mathematical point of view) Because t...
by BogleBoogie
Sun May 13, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Refinance house to defer more?
Replies: 34
Views: 1833

Re: Refinance house to defer more?

I would not refinance a 3.375% loan to a 4.625%. I might consider putting less in your EPSS and more in your 401k I agree that the interest rate increase is not ideal. However, in this particular situation it looks like the initial decision to go with a 15 year fixed loan (versus a 30 year fixed lo...
by BogleBoogie
Sat May 12, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance house to defer more?
Replies: 34
Views: 1833

Re: Refinance house to defer more?

I'm leaning toward it because I also have an unstable job, and if I lose my job I can't quickly reduce my mortgage payment but I CAN quickly reduce my 401k and other contributions, giving me more runway. Now I'm just trying to decide if 15 years makes sense, why not go all the way to 20 or 30 year....
by BogleBoogie
Sat May 12, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance house to defer more?
Replies: 34
Views: 1833

Re: Refinance house to defer more?

I've seen this issue debated fiercely on this site! In summary, I was in a similar position as you with shorter term mortgage but cash flow did not allow for maximum contributions. My philosophy on making the decision to refinance, increase cash flow to max retirement accounts was based on there bei...
by BogleBoogie
Sat May 05, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 7045

Re: Starting to smell like buying season?

Lots of Bogleheads do that thing where they pretend not to be able to look up a ticker symbol by opening a new tab and taking all of 3 seconds, so I think you might've known and just pretended not to know. I think that it is best to avoid using acronyms and ticker symbols when posting. One person c...
by BogleBoogie
Tue Apr 24, 2018 12:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 14554

Re: Too much Bogleheads.org?

A successful index fund investor goes through four phases: 1) Darkness - takes advice from everyone; 2) Enlightenment - realizes a market return is superior to their return; 3) Complexity - overdoing everything to find optimal; 4) Simplicity - invests in a few total market funds Dear OP, You’re in ...
by BogleBoogie
Mon Apr 23, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor but have funds that were set up for me as a minor. Just now taking control of them.
Replies: 7
Views: 933

Re: New Investor but have funds that were set up for me as a minor. Just now taking control of them.

Just wanted to reach out to say how fantastic it is that you appreciate the "jump start your" dad gave you, and are being so smart in your approach to your finances and future. I've held several accounts with Schwab for decades now and recommend them without hesitation. I don't have a 3 fund simple...
by BogleBoogie
Tue Apr 17, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is an 80/20 Asset Allocation Appropriate?
Replies: 20
Views: 3537

Re: Is an 80/20 Asset Allocation Appropriate?

At ages 57 and 54, it seems that an 80% Stock/20% Bond is too aggressive, even if you don't plan to touch the money for ten years. I am age 58 and am invested 66% stocks and 34% bonds and cash, I feel like I am invested a bit aggressively for someone my age. Let's look at the Vanguard 2025 fund and...
by BogleBoogie
Tue Apr 17, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Is an 80/20 Asset Allocation Appropriate?
Replies: 20
Views: 3537

Re: Is an 80/20 Asset Allocation Appropriate?

At ages 57 and 54, it seems that an 80% Stock/20% Bond is too aggressive, even if you don't plan to touch the money for ten years. I am age 58 and am invested 66% stocks and 34% bonds and cash, I feel like I am invested a bit aggressively for someone my age. Let's look at the Vanguard 2025 fund and...
by BogleBoogie
Tue Apr 17, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest way for minor child to file taxes
Replies: 16
Views: 1172

Re: Easiest way for minor child to file taxes

Similar situation here. My CPA advised it was best to file a tax return to avoid the long term potential for the IRS to challenge the earned income. I don't know the potential for this being an issue and relied on his advice. I can say I sleep much better at night paying a tiny bit in taxes on the e...
by BogleBoogie
Sat Apr 14, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Is an 80/20 Asset Allocation Appropriate?
Replies: 20
Views: 3537

Re: Is an 80/20 Asset Allocation Appropriate?

At ages 57 and 54, it seems that an 80% Stock/20% Bond is too aggressive, even if you don't plan to touch the money for ten years. I am age 58 and am invested 66% stocks and 34% bonds and cash, I feel like I am invested a bit aggressively for someone my age. Let's look at the Vanguard 2025 fund and...
by BogleBoogie
Sat Apr 14, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 158
Views: 11727

Re: Why are expected returns so much lower than historical returns?

Don't spend too much energy trying to understand the "why" of these crystal ball predictions. If the Boglehead philosophy is predicated on "nobody knows nothing", then this is a futile exercise.
by BogleBoogie
Fri Apr 13, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: PayPal fund request from unknown person?
Replies: 19
Views: 1827

Re: PayPal fund request from unknown person?

Clark Howard just talked about people "accidentally" depositing money into someone's Paypal account and then claiming it a mistake and asking for it to be returned. These are probably people churning cards for cash, but it could be something more sinister. Interesting - I had this happen a few week...
by BogleBoogie
Mon Apr 02, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Newbie w/ $200k to invest- help!
Replies: 16
Views: 2634

Re: Newbie w/ $200k to invest- help!

By the Boglehead's Guide To Investing book. Find a quiet place like a coffee shop or park, any place you enjoy. Sit down and read it, take notes and highlight. Continue to read the Wiki. Post questions. Come up with your IPS and put it on auto-pilot! You are ahead of the game and very wise to invest...
by BogleBoogie
Mon Apr 02, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance, why long terms?
Replies: 27
Views: 2767

Re: Life Insurance, why long terms?

$185/mo for a 30 year $3M term seems a great bargain for someone over 30. If you buy 10 or 20 years now thinking that buying another policy when you are 44 or 54 isn't going to cost you a lot more at that point (post inflation) - you are mistaken. The older you get the bigger a risk you are to the ...
by BogleBoogie
Sun Apr 01, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2922
Views: 574428

Re: What's Your Credit Card Rewards Strategy?

My credit card strategy is to maximize the rewards for every transaction. I use several cards to achieve this.
by BogleBoogie
Sun Apr 01, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 120
Views: 22982

Re: Reached 4M target. Taking money off table. Advice?

I'm not sure what information the OP is seeking. I do find it odd that his "first threshold" was 4 million dollars. Mine was a thousand dollars. When I hit a hundred thousand that was another... First time posters with huge portfolios always make me wonder if were being trolled especially when thei...
by BogleBoogie
Sat Mar 31, 2018 9:45 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1969
Views: 365637

Re: What are you up YTD? [Year To Date]

I think I'm about even.

60/40
by BogleBoogie
Sat Mar 31, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 39913

Re: What's your U.S. : International ratio?

100 : 0 I don't have international funds. My total stock market US does have quite a bit of foreign exposure though. Couldn't the exact same argument be used to flip the allocation to 0:100? Say for example investing in 100% Canadian stocks because Canada has a good bit of exposure to US Markets? Y...
by BogleBoogie
Fri Mar 30, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 39913

Re: What's your U.S. : International ratio?

100 : 0

I don't have international funds. My total stock market US does have quite a bit of foreign exposure though.
by BogleBoogie
Fri Mar 30, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: % Portfolio Wieght Concerns?
Replies: 23
Views: 1652

Re: % Portfolio Wieght Concerns?

I'm not concerned, the market weight is the market weight. On another topic, I was always told "I before e, except after c." You have proven that rule wrong with your title.
by BogleBoogie
Fri Mar 30, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 13763

Re: Anybody else Age - 10 in bonds, rest in stocks

I've gone from age -15 in bonds to age in bonds over the last 5 years. I've found myself becoming increasingly more conservative after mulling over hundreds, maybe thousands, of threads on this site. For me, I've become to realize I have less need to take on the additional risk. Of course when we ar...
by BogleBoogie
Fri Mar 30, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 11142

Re: How Do You Value Your Home for Net Worth Purposes?

In my opinion, knowing your net worth is important. For starters, it is a great way to track your progress (or lack of) as you work towards becoming financially independent. An example where knowing our family net worth comes in handy for me is when I run different "what if" scenarios. If I were to ...
by BogleBoogie
Fri Mar 30, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: At what price difference would you no longer go with USAA for auto insurance?
Replies: 18
Views: 1889

Re: At what price difference would you no longer go with USAA for auto insurance?

Agreed that this is subjective. I do like to get what I pay for. As a long term USAA customer for auto, home and personal property, and life insurance I can say that they have NEVER let me down. I totaled a car and they cut a check for about 10-15% more than what I paid for the car almost instantly....
by BogleBoogie
Thu Mar 29, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 10544

Re: What is the endgame for Millennials?

I think that pensions vanishing is good for Millennials. The reason is that pensions die with their parents, but if their parents had 401(k)s, 403(b)s, IRAs, then they will inherit quite a bit of money. The [government] pension is good for me. I'll end up with the best of both worlds, a fully funde...
by BogleBoogie
Tue Mar 27, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 10323

Re: Blasphemy... DO PEEK!

For those who check their portfolio frequently, WHY?? What are you going to do about what you observed? Paul I keep track so I know when it's time to rebalance, isn't that the point of determining your AA and sticking to it. When you have stocks/bonds/cash spread throughout multiple accounts and br...
by BogleBoogie
Mon Mar 26, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: New car?
Replies: 46
Views: 3788

Re: New car?

A year ago my wife finally agreed to letting go of her sixteen year old 2001 Lexus ES300 with 76,000 miles on it. It was in outstanding shape and she had four offers from the Lexus mechanics to sell it to them. I kept detailed records of every dollar spent on that car starting with its purchase, in...
by BogleBoogie
Mon Mar 26, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell Wellington Fund Today?
Replies: 30
Views: 4392

Re: Should I sell Wellington Fund Today?

Yes, way up! What a difference one day makes. That 99k to 97k probably went closer to 100k today.