Search found 573 matches

by BogleBoogie
Mon Jan 14, 2019 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: I'm the noobiest noob
Replies: 16
Views: 1276

Re: I'm the noobiest noob

Accumulation phase...you should be happy for it to drop a bit so you can buy on sale.
by BogleBoogie
Sun Jan 13, 2019 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs traditional 401k
Replies: 19
Views: 612

Re: Roth vs traditional 401k

I don't personally fear that the Roth IRAs that are funded are in danger of being "raided", but I do often wonder if there will be a point in time where contributing to them will no longer be an option. That is one of many reasons I'm utilizing one now, in addition to traditional accounts.
by BogleBoogie
Sat Jan 12, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is buying a $700K first home crazy?
Replies: 70
Views: 7230

Re: Is buying a $700K first home crazy?

KlangFool wrote:
Wed Jan 09, 2019 9:49 pm
TropikThunder wrote:
Wed Jan 09, 2019 9:33 pm
KlangFool wrote:
Wed Jan 09, 2019 12:16 pm
I do not see what do you get out of buying a house. You could spend the money elsewhere with a lot more fun
That's not for you to say.
TropikThunder,

I am entitled to my own opinion. It is up to OP to decide whether it is worthwhile.

KlangFool
Yep.
by BogleBoogie
Sat Jan 12, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 45
Views: 3290

Re: 30" or 36" induction range for remodel?

What do you need? Is this mostly for looks, or do you do a lot of cooking that requires 6 burners at the same time? We have a nice 30 inch higher end range with 4 burners with a big oven. We rarely use more than 2 burners at a time. I doubt we have ever used 4 at the same time -- and we cook a lot,...
by BogleBoogie
Tue Jan 08, 2019 11:45 pm
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 102
Views: 13919

Re: Talk me out of a 60/40 AA

Same AA here using same logic. I am close in age, though behind you considerably with total saved and savings rate. I like 60/40!
by BogleBoogie
Mon Jan 07, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 14226

Re: What is your allocation to U.S. and International?

... I would think a 50%/50% allocation is a true Boglehead portfolio ... Does a "true Boglehead portfolio" involve advice inspired by Jack Bogle? What allocation would disqualify a portfolio from being a "true Boglehead portfolio" ? If you are looking to be truly inspired by Jack's advice then pass...
by BogleBoogie
Sun Dec 30, 2018 10:11 am
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8031

Re: My favorite Boglehead posters

livesoft
Nisiprius
by BogleBoogie
Sat Dec 29, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232580

Re: What is your Year 2018 networth change?

Well lets see... First off you are not discussing net worth. You are discussing the value of your investment portfolio. Your "net worth" includes everything else - value of real assets, vehicles, personal possessions, other accounts such as short term savings, checking, cash... minus any debts. Sec...
by BogleBoogie
Sat Dec 29, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9279

Re: What common everyday inconvenience have you intentionally suffered for frugality?

This is a bit sad. I wouldn't consider this frugal, this is not reasonable. I can't imagine what it would be like to live under the same roof as someone with this mentality.
by BogleBoogie
Fri Dec 28, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: Buying dips not recommended?
Replies: 52
Views: 3746

Re: Buying dips not recommended?

Hard thing is defining a "dip" when looking at the present and future. It is easy to define one looking backwards. For example, is a 5% decline a dip if the market then declines another 5% the following day? If you only haven today's information it seems like a dip. After the following day it will s...
by BogleBoogie
Fri Dec 28, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2360

Re: Why do people buy- performance cars?

If you own a Porsche, you are able to utilize the Porsche race track in Los Angeles. There you can drive your performance car (Porsche, not an Acura) very fast.
by BogleBoogie
Sat Dec 22, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Let My 401k Automatically Rebalance on 12/28?
Replies: 3
Views: 495

Re: Should I Let My 401k Automatically Rebalance on 12/28?

Hello Everyone, Should dips in the market influence the decision on when to rebalance annually? My 401k is scheduled to rebalance once a year. This year it is scheduled to do so on 12/28/2018. My set allocation is 60% VSMPX- Total Stock Market Index 30% VBTIX- Total Bond Market Index 10% VTPSX- Tot...
by BogleBoogie
Sat Dec 22, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Another newbie investor who's feeling the pain and would like advice
Replies: 46
Views: 5133

Re: Another newbie investor who's feeling the pain and would like advice

You've only truly lost the money (or gained) when you actually sell. Ignore the bumpy ride. 10+ years from now this won't even be a memory for you and you'll be happy to did nothing. I'm in a similar boat as you are in terms of making recent purchases in a brokerage account and watched them plummet....
by BogleBoogie
Tue Dec 18, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Sending check by FED EX to Vanguard
Replies: 16
Views: 1412

Re: Sending check by FED EX to Vanguard

What is the rush to make the purchase?
by BogleBoogie
Mon Dec 17, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: peloton fitness bike
Replies: 22
Views: 2563

Re: peloton fitness bike

Several earlier threads, here's one: https://www.bogleheads.org/forum/viewtopic.php?t=250381 Yeah, I think we beat it to death already in the thread stan1 posted. There are a few Peloton camps, so here's the TL;DR version to save you some time: 1) "real" cyclists hate Peloton and everything it stan...
by BogleBoogie
Sun Nov 11, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 13317

Re: Worth fixing a 30-year-old Maytag dryer?

Time to buy a new dryer.
by BogleBoogie
Sat Oct 27, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 72
Views: 10299

Re: Starting to smell like buying season?

I think that it is best to avoid using acronyms and ticker symbols when posting. One person can take a few seconds to spell things out or many, many people can take the time to open a tab and search for what the acronyms or symbols mean. There is a cumulative savings if one person takes the few sec...
by BogleBoogie
Sat Oct 27, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Insurance for dog(s) ?
Replies: 12
Views: 900

Re: Insurance for dog(s) ?

Had it a few dogs back. Insurance company failed to cover some expenses stating the problems were "hereditary." Well...that was the end of pet insurance for us.

My understanding of pet insurance is you are far better off self-insuring yourself.
by BogleBoogie
Thu Oct 25, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781659

Re: U.S. stocks in freefall

Yesterday was the first day in my investing career that my portfolio balance has dropped below my total contributions. Pretty neat! Same here. I started investing in April of 2017 and have my entire networth in the market. Yesterday was the first day I went into negative territory. Sucks that the m...
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: 9763

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: 12207

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: 12207

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: 12207

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: 63745

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: 10712

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: 70
Views: 7020

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: 5070

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: 8429

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: 4923

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: 13912

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: 8718

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: 22531

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: 7394

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: 4902

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: 13001

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: 39420

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: 741

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: 2299

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: 8463

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: 26139

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: 15295

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: 1941

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: 1941

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: 1941

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: 72
Views: 10299

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: 15951

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: 1019

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: 3970

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: 3970

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: 1283

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...