Search found 494 matches

by BogleBoogie
Sat Feb 10, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266281

Re: U.S. stocks in freefall

Lucky for me, I sold some yesterday, Vanguard didn’t let me exchange to another fund. So I had cash and took a nibbling this morning. Not too much, just in case, it might fall more. I have done a few buying low and selling higher this week. It dulled the pain of 740 points drop on the rest. Yes, ve...
by BogleBoogie
Fri Feb 02, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266281

Re: U.S. stocks in freefall

Lucky for me, I sold some yesterday, Vanguard didn’t let me exchange to another fund. So I had cash and took a nibbling this morning. Not too much, just in case, it might fall more. I have done a few buying low and selling higher this week. It dulled the pain of 740 points drop on the rest. Yes, ve...
by BogleBoogie
Mon Jan 29, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review. 36yo: been in cash/bonds a long time, need guidance.
Replies: 29
Views: 2923

Re: Portfolio review. 36yo: been in cash/bonds a long time, need guidance.

I would consider a target date retirement fund . This would force you to not tweak the AA, pay attention to market conditions, and stick with your plan. You know deep down inside what you should do, but it is difficult for you to execute the plan and stick with it. I can identify with some of this, ...
by BogleBoogie
Mon Jan 22, 2018 8:12 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8388

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

I was going to read the post you are referring to and weigh in, but then I got tired and distracted.
by BogleBoogie
Thu Jan 11, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4629

Re: Help me stop my addiction to stock market peeping!

Lock yourself out of the online account and only read the quarterly statements delivered via US mail.
by BogleBoogie
Sun Jan 07, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can you ever win the game?
Replies: 50
Views: 5274

Re: Can you ever win the game?

It is so very much possible I am not even sure your question makes any sense. Can you be more specific regarding what you have in mind? I am not sure how you classify people who have no assets but live on combinations of pensions, Social Security, and whatever public benefits come their way. Some p...
by BogleBoogie
Sat Jan 06, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Am I market timing with my newly considered AA?
Replies: 11
Views: 909

Re: Am I market timing with my newly considered AA?

If you change to 60/40 and there is a big equity dip, will you change your AA to become more aggressive?
by BogleBoogie
Mon Jan 01, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Refi After 1 Year?
Replies: 42
Views: 2805

Re: Refi After 1 Year?

To get the best, most specific advice for your particular situation more information would be needed (income, investments, cash flow, job security, years left working, etc.). But generally speaking, if you can swing the 20 year mortgage over the 30 year while still accomplishing all your investment ...
by BogleBoogie
Sat Dec 30, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9477

Re: I Want to Buy a Horrible, Expensive Car

corn18 wrote:
Sat Dec 30, 2017 10:05 am
watchnerd wrote:
Sat Dec 30, 2017 9:17 am
Lange's are beautiful, but I'm a tool watch kind of guy.
My daily wearer. The ultimate tool watch.

Image
Nice watch LT!
by BogleBoogie
Sat Dec 30, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9477

Re: I Want to Buy a Horrible, Expensive Car

This certainly does not come down to a financial question as you are doing very well. It seems more like an itch that you are trying to figure out how to scratch. My advice is to go test drive one several times. Read all the reviews to really understand what you are getting into. Finally, I would sa...
by BogleBoogie
Thu Dec 28, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Got myself an extra $200 today just by being observant
Replies: 25
Views: 5323

Re: Got myself an extra $200 today just by being observant

I'm really concerned by what you mean when you say "listed price." I'm extra concerned that they cut you a $200 check that quick after the sale. I hope by listed you aren't referring to a price they had it advertised for and you paid that price in full (sans negotiation).
by BogleBoogie
Wed Dec 27, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11263

Re: Another should i buy my dream porsche thread...

I'm voting no on any $100,000 car purchase for your situation. While you are doing well for 39 compared to most 39 year olds, your retirement account is underfunded - especially in comparison to your high income. I realize your income just went up, which may be in part what is causing you to feel th...
by BogleBoogie
Sun Dec 24, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 450
Views: 35529

Re: What frugal thing did you do today?

Since frugality seems to be a way of life, what did you do today that was frugal? As for me, worked out at the gym, but shaved and took an extra long shower there to save on my utilities. :D The gym will pass that cost along in the form of increasing your gym membership dues. If you have locked in ...
by BogleBoogie
Sun Dec 24, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 450
Views: 35529

Re: What frugal thing did you do today?

I wouldn't consider the extra long shower "frugal", perhaps "wasteful." Long showers are fantastic! A long shower for me is typically about one hour. Very relaxing. And cheap too- the cost of the water and gas to heat the water is small relative to the enjoyment. Certainly not wasteful in my view. ...
by BogleBoogie
Sun Dec 24, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 450
Views: 35529

Re: What frugal thing did you do today?

Since frugality seems to be a way of life, what did you do today that was frugal? As for me, worked out at the gym, but shaved and took an extra long shower there to save on my utilities. :D The gym will pass that cost along in the form of increasing your gym membership dues. If you have locked in ...
by BogleBoogie
Sun Dec 24, 2017 7:49 am
Forum: Investing - Theory, News & General
Topic: Saving for the crash
Replies: 58
Views: 7515

Re: Saving for the crash

Invariably, market timers waiting for a crash never get back in. The reason is that as a group they have very little tolerance of risk. If the market drops 20% they will wait for 30% then 40% and so on because they can’t psychologically bring themselves to pull the trigger and put their money in. M...
by BogleBoogie
Sun Dec 24, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 5769

Re: Not investing through your 30's

TravelGeek wrote:
Sun Dec 24, 2017 7:26 am
Doesn't have to be either/or. Save some, spend some.

The foundation of my financial independence was set in my late 20s/early 30s when I started investing after grad school. 8th wonder of the world is what Einstein called it.

https://www.bogleheads.org/wiki/Importa ... ving_early
This...
by BogleBoogie
Fri Dec 22, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 162
Views: 16700

Re: Bitcoin in Freefall

Keepcalm wrote:
Fri Dec 22, 2017 10:27 am
Will do good wrote:
Fri Dec 22, 2017 10:22 am
Wait, it's time to buy on discount :oops:

/s
I just bought the dip. Weeeeeeeeeeee!
You should DCA into bit coin... :)
by BogleBoogie
Mon Dec 11, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Upside Down On Vehicle
Replies: 16
Views: 1264

Re: Upside Down On Vehicle

So I bought a diesel truck a few months ago, it is a used GMC 2500HD Duramax. Love the truck but for the heck of it just to see realistically what its worth if I ever wanted to trade it in...I called a few dealers. I owe roughly 5k more than I would get for a dealer trade in....and although I'm not...
by BogleBoogie
Wed Dec 06, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 18711

Re: Do people still use AAA?

I cancelled AAA few years ago and instead added "emergency road service" to Geico. The savings is quite signficant. AAA costs about $56/year while Geico only $4.80. And if my credit card provides this service for free, I will even drop Geico. Few months ago, I got stranded on the highway. Called Ch...
by BogleBoogie
Sat Dec 02, 2017 11:46 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3861

Re: Is 60/40 mix the sleep mix or 80/20 mix

https://s8.postimg.org/5bc6oyz5x/33vdb9f.jpg-3.png Thanks, "nisiprius", always a cool chart at the ready. "A picture is worth a thousand words", its been said. Your points hold true in the real world as far as the wide margin of allocations. My recently deceased FIL at age 94 was nearly 100% in equ...
by BogleBoogie
Tue Nov 28, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5526

Re: Safest roomy luxury suv?

TomatoTomahto wrote:
Mon Nov 27, 2017 8:16 am
If a CUV is fine, which most SUVs really are:

Tesla Model X in 5 seat configuration.

Volvo XC90.

Mercedes GLE.

I would not touch an Audi wth a barge pole.
What about a Mercedes G Wagon?
by BogleBoogie
Tue Nov 28, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I Pay Off 3.25% Home Equity Line of Credit?
Replies: 15
Views: 2482

Re: Should I Pay Off 3.25% Home Equity Line of Credit?

Dansandiego wrote:
Sun Sep 18, 2016 5:08 pm
11111
Morse code?
by BogleBoogie
Tue Nov 28, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: best SUV
Replies: 30
Views: 2982

Re: best SUV

HerbRight wrote:
Tue Nov 21, 2017 11:33 pm
What is the best SUV for families, and 7 places (not minivans) i.e pathfinder, pilot, etc... should I wait for the new Subaru ASCENT???
We really like our Chevy Tahoe. You won't find that answer as common on this site, but my wife swears by it. It has been mostly reliable and is safe.
by BogleBoogie
Sun Nov 26, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 26985

Re: Currently have $700,000 at 26 years old get $100,000 a year

I have my doubts that this is a real life scenario...feels like a trolling OP.
by BogleBoogie
Sat Nov 25, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Pay this off now or not?
Replies: 33
Views: 2736

Re: Pay this off now or not?

Given your income and relatively low cost of living, I would pay off the student loans as quickly as you can. As you calculated, this is a GUARANTEED savings of $30K. If your income was not as high and you were losing valuable time to get money in your retirement account, IMO this would be tough dec...
by BogleBoogie
Sat Nov 25, 2017 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Thankful for the Debt we Took - Should we Try Again?
Replies: 95
Views: 9535

Re: Thankful for the Debt we Took - Should we Try Again?

I like the idea of locking in a low rate (3.80%) on a 30 year fixed. As far as taking cash out to invest it, I'm not a fan of that. You have done particularly well, much of that is luck. Don't leverage your house to invest when the market is at an all time high. Start paying down the principal with ...
by BogleBoogie
Fri Nov 24, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 7215

Re: Any BLACK FRIDAY deals for Bogleheads?

I've never bought anything on Black Friday (or Cyber Monday). Perhaps I am missing out on something, but most likely I'm better off without getting involved in the whole circus. Sometimes I do and sometimes I don't. Here is my approach. 1. If I think I want an item I add it to my Amazon wish list. ...
by BogleBoogie
Thu Nov 23, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 162
Views: 19046

Re: Is holding bonds now dangerous?

I wouldn't consider holding bonds dangerous...driving on the highway while not wearing a seatbelt, now that is dangerous.
by BogleBoogie
Wed Nov 22, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds v. Mortgage Payoff
Replies: 21
Views: 2229

Re: Bonds v. Mortgage Payoff

There is no "right" answer as there are a few schools of thought on this one. My opinion would be to consider splitting the baby. Liquidate some bonds and stocks (keep your AA as the previous poster noted) and pay down some of the mortgage if you want. At 3.75% you are getting pretty cheap money. Wi...
by BogleBoogie
Tue Nov 21, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15062

Re: Dave Ramsey says don't use credit cards, even if you pay them off

There have been various, divisive, threads on this topic in the past. Very little good comes from them other than arguments. I agree. In one of these Dave Ramsey's threads someone made the (sarcastic?) suggestion that the site should have a sub-forum dedicated to Dave Ramsey in consideration to how...
by BogleBoogie
Mon Nov 20, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15062

Re: Dave Ramsey says don't use credit cards, even if you pay them off

IMO, it comes down to the individual. If you require a cash budget to keep yourself honest, then the rewards from CCs aren't worth it. I have $504 rewards stacked on 1 of 5 of my credit cards. I've never carried a balance or paid interest. This is 2017, some place don't even accept cash! If you have...
by BogleBoogie
Mon Nov 20, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 16
Views: 2064

Re: How am I doing?

What does your Federal Pension consist of?
by BogleBoogie
Sun Nov 19, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Complete the Bogleheads Transition
Replies: 25
Views: 2932

Re: Help Me Compete the Bogleheads Transition

PFInterest wrote:
Sun Nov 19, 2017 12:01 am
BogleBoogie wrote:
Sat Nov 18, 2017 11:57 pm
Who is your competition?
The world! Or us...
Haha! The title of this post had me wondering that.
by BogleBoogie
Sat Nov 18, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to payoff mortgage
Replies: 15
Views: 2263

Re: Looking to payoff mortgage

A rate of 2.75% after deducting the mortgage interest (depending on your tax bracket) is likely working out to under 2%. I'm not convinced taking a large sum of money and paying off the house is the best option. You should be able to do much better than sub-2% with the money you have. I know this is...
by BogleBoogie
Fri Nov 17, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 76
Views: 6368

Re: My dad's army jacket

My father passed away and he treasured his Army belongings. He served in the early 1950s. I have his short wool green military jacket. I had it cleaned, the sleeves shortened and would like to wear it occasionally. I am wearing it for no other reason than it was his, held importance for him and it'...
by BogleBoogie
Fri Nov 17, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Refinance 30yr to 15yr mortgage?
Replies: 33
Views: 3547

Re: Refinance 30yr to 15yr mortgage?

OP, Why would you prepay principal on a rental property? A) If it is cash flow positive and you are making money out of it, why would you put more money into it? B) If it is not cash flow positive and you are not making money out of it, why would you keep the property? If you have extra money, inve...
by BogleBoogie
Sun Nov 05, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Best savings account (or fund) for my emergency account?
Replies: 11
Views: 956

Re: Best savings account (or fund) for my emergency account?

Take your time, it is $200 not $2,000 for depositing $25,000.
by BogleBoogie
Wed Nov 01, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Put cash into a home or stock market.
Replies: 30
Views: 3816

Re: Put cash into a home or stock market.

More important question: at age 29, do you really want a house and everything that comes along with it? Why? Because he's getting it at a great price. If it were at market value, I would probably ask this question too. But at a below market price this is a no-brainer. Put the minimum down payment t...
by BogleBoogie
Sat Oct 21, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: When one reaches the 1 million mark what to do with all the money?
Replies: 33
Views: 6792

Re: When one reaches the 1 million mark what to do with all the money?

What changed between the $999,900 mark and 1 million that would cause any change to your plan?
by BogleBoogie
Sat Oct 21, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5680

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

Have you ever driven the 6 cylinder Toyota Camry? It has a lot more top end speed than the 4 cylinder.
by BogleBoogie
Sat Oct 21, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 7136

Re: Worry market crush, selling 50%, but increase buying 100%

ThePrince wrote:
Fri Oct 20, 2017 11:16 pm
WhiteMaxima wrote:
Fri Oct 20, 2017 2:49 pm
I am staying neutral now: 50/50. I don't call it timing. I see risk ahead.
You are timing the market—end of story.
"This time it is different" (there is risk ahead)
by BogleBoogie
Sat Oct 21, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 7136

Re: Worry market crush, selling 50%, but increase buying 100%

I did some AA this month, move AA to 50/50. However, I did 401k purchase allocation to 100% into equity. US/Intl 50/50. Yes, I am more comfortable. I will capture 50% of market gain but limit 50% loss. In case of crash, I will be all in again. This year is good for me. I am up 18.8%. Please keep me...
by BogleBoogie
Fri Oct 20, 2017 1:31 am
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 6276

Re: Is a crash coming soon?

Nate79 wrote:
Fri Oct 20, 2017 12:07 am
CULater wrote:
Thu Oct 19, 2017 7:44 pm
I just decided today that my risk tolerance is 10% lower than it was yesterday --- so I reduced my stock allocation accordingly. :?
Why?
Good question. What life circumstances changed that reduced your need or ability to take risk?
by BogleBoogie
Fri Oct 20, 2017 1:30 am
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 6276

Re: Is a crash coming soon?

"Nobody knows nothing." -Jack Bogle

(Also, no one on this forum knows when/if a crash is coming)
by BogleBoogie
Fri Oct 20, 2017 1:21 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 29453

Re: Sitting on cash....Waiting for a crash

After scanning this thread, I see lot's of contrarian comments from people who are 100% in stocks or close to it. That is just as bad as the OP's strategy in my book. Why is it just as bad? 100% stocks is a course that some choose who have the willingness and ability to take on that type of risk (I...
by BogleBoogie
Thu Oct 19, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: 1st Time Cruise - Princess and wifi
Replies: 23
Views: 2277

Re: 1st Time Cruise - Princess and wifi

johnubc wrote:
Wed Oct 18, 2017 7:30 pm
If you are going on a Cruise - I would assume a vacation - make a vacation out of it - and ditch the WiFi - you will be much happier without it.
Was thinking the same thing and am about to do the same thing!
by BogleBoogie
Thu Oct 19, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 29453

Re: Sitting on cash....Waiting for a crash

Is there any Bogleheads out there that has decided to hold onto cash right now since valuations are so high and interest rates are so low? I know that the 'Bogle' answer is to stay the course and just keep eating my allocation plan for breakfast. But it just feels so foolish right now to put money ...