Search found 342 matches
- Thu Nov 05, 2020 2:50 pm
- Forum: Investing - Theory, News & General
- Topic: Investing With Kevin O’Leary (“Mr. Wonderful”)
- Replies: 13
- Views: 2173
Re: Investing With Kevin O’Leary (“Mr. Wonderful”)
Mr Wonderful......he's dead to me
- Tue Mar 17, 2020 12:37 pm
- Forum: Personal Investments
- Topic: How much you lost/gain since Feb 20,2020 ?
- Replies: 366
- Views: 32925
Re: How much you lost/gain since Feb 20,2020 ?
200K..... On June 20, 2014, I joined the boglehead forum. I consolidated from 30+ funds with my 1.5 fee financial advisor, to 5 vanguard funds. In summary, I gave back all my paper gains since starting here. Once again I am flat. Flat is my lifelong investment story-line. On the flip side, I kept tr...
- Tue Jan 14, 2020 10:08 am
- Forum: Personal Investments
- Topic: Boglehead Newbie pulled the trigger....
- Replies: 22
- Views: 5582
Re: Boglehead Newbie pulled the trigger....
60 mutual funds... where do people find these quacks? Even when I had one they only threw me in with 12 lol. If they just picked a couple of funds, clients will call asking if they're doing enough/start thinking they can do this themselves. Dozens of funds makes clients think their advisors are sit...
- Mon Jan 13, 2020 2:15 pm
- Forum: Personal Investments
- Topic: Boglehead Newbie pulled the trigger....
- Replies: 22
- Views: 5582
Re: Boglehead Newbie pulled the trigger....
Stumbled across my original post when I transitioned to being a Boglehead.
Hopefully for anyone considering buying at the "top" of the market, maybe my leap to putting it all in at once is helpful.
Hopefully for anyone considering buying at the "top" of the market, maybe my leap to putting it all in at once is helpful.
- Thu Nov 01, 2018 2:52 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 3405
- Views: 571806
Re: What are you up YTD? [Year To Date]
-1.6% 60/40 portfolio
Happy to have been paying down my 4.5% mortgage this year instead of investing even more into the market. International investing continues to be a killer.
I know how to get International into the black for everyone...all I need to do is sell it
Happy to have been paying down my 4.5% mortgage this year instead of investing even more into the market. International investing continues to be a killer.
I know how to get International into the black for everyone...all I need to do is sell it

- Fri Aug 03, 2018 8:50 pm
- Forum: Personal Investments
- Topic: Temporary investment of house sale proceeds $250K
- Replies: 6
- Views: 867
- Tue Jan 23, 2018 8:15 pm
- Forum: Personal Investments
- Topic: am I crazy to do a lump sum investment with my entire retirement in this current stock market?
- Replies: 47
- Views: 7563
Re: am I crazy to do a lump sum investment with my entire retirement in this current stock market?
Sierra...
I was in your shoes with the exact same headlines....
I bought at the peak, the very top....
viewtopic.php?p=3731794#p3731794
I was in your shoes with the exact same headlines....
I bought at the peak, the very top....
viewtopic.php?p=3731794#p3731794
- Tue Jan 23, 2018 8:05 pm
- Forum: Personal Investments
- Topic: 50% of my portfolio in FANG - 15% in NVDA
- Replies: 64
- Views: 9160
Re: 50% of my portfolio in FANG - 15% in NVDA
Ditto...Odds are not in your favor. I'm 51, I've been on the wrong side of individual stocks too many timesTheAncientOne wrote: ↑Tue Jan 23, 2018 7:44 pm Wrong site to be asking this. I suspect most of us would say, "Way to go! Now sell it all and put it into index funds!"
- Tue Jan 23, 2018 4:06 pm
- Forum: Personal Investments
- Topic: Boglehead Newbie pulled the trigger....
- Replies: 22
- Views: 5582
Re: Boglehead Newbie pulled the trigger....
Thank you for posting your inspirational story! It's posts like these that help us all to keep the faith when we are tempted to stray. :sharebeer Buying at what appears to be the top is difficult. But if one is to to truly believe that the markets will be higher 15/20/30 years from now, then you ar...
- Tue Jan 23, 2018 3:47 pm
- Forum: Personal Investments
- Topic: Boglehead Newbie pulled the trigger....
- Replies: 22
- Views: 5582
Re: Boglehead Newbie pulled the trigger....
Thanks all
- Tue Jan 23, 2018 3:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Solo 401k & W2 Reporting Box 12 Questions
- Replies: 4
- Views: 657
Re: Solo 401k & W2 Reporting Box 12 Questions
The match does not go on the w2, that is for certainredditpeke wrote: ↑Mon Jan 22, 2018 11:51 pm Hi G
And the 37,000 Employer Match would not have to be reported on W2 at all. Correct?
- Mon Jan 22, 2018 10:09 pm
- Forum: Personal Investments
- Topic: Am I being greedy?
- Replies: 51
- Views: 7572
Re: Am I being greedy?
My answer is YESInvestorNewb wrote: ↑Mon Jan 22, 2018 4:34 pm Am I being greedy? I need another 77.78% to reach that number. It doesn't seem that far away if this bull market continues for another 3-4 years.

- Fri Jan 19, 2018 1:50 pm
- Forum: Personal Investments
- Topic: Boglehead Newbie pulled the trigger....
- Replies: 22
- Views: 5582
Re: Boglehead Newbie pulled the trigger....
Last month I had 60 different mutual funds with my financial adviser. Over the past few weeks, I transfer every penny to Vanguard thanks to the help of this forum. Today, in the face of market highs ( The Dow made it to 16,947.08 and the S&P 500 hit 1,962.87 ), I invested it all, just over $500...
- Thu Jan 18, 2018 1:44 pm
- Forum: Investing - Theory, News & General
- Topic: AA is much harder than I thought...
- Replies: 45
- Views: 6124
Re: AA is much harder than I thought...
TBH it's actually fear that has caused me to lean into equities. I'm young-ish (33) and I fear that this will be the last stock market run up for 30 years, I fear that Bernstein & Bogle are right that the days of 10% returns are over, I fear that I'm behind on my retirement savings (compared to...
- Thu Jan 18, 2018 9:53 am
- Forum: Investing - Theory, News & General
- Topic: AA is much harder than I thought...
- Replies: 45
- Views: 6124
Re: AA is much harder than I thought...
Back in 1997 I could not understand the logic of owning any bonds and had a very tech heavy portfolio. The daily grind of w atching $1.3M dwindle to $589K was .. well, without 4 letter words, horrid . It took more than a decade for me to recover. I'm now 45/55 with 18 years draw in bonds sans divid...
- Wed Jan 17, 2018 9:10 pm
- Forum: Investing - Theory, News & General
- Topic: Why Buy Bonds If You Have A Mortgage?
- Replies: 187
- Views: 23573
Re: Why Buy Bonds If You Have A Mortgage?
I think what I am taking away from this thread is that most people shouldn't buy a house. LOL, I totally have been thinking the same with all this discussion. And here I thought having a paid for house was just another piece of the puzzle. Silly me :) Guess a few months before I retire, I will be s...
- Sat Jan 13, 2018 11:52 pm
- Forum: Personal Consumer Issues
- Topic: Buying a new home at age 50 in a nicer neighborhood
- Replies: 133
- Views: 18729
- Wed Jan 10, 2018 8:23 pm
- Forum: Investing - Theory, News & General
- Topic: Why Buy Bonds If You Have A Mortgage?
- Replies: 187
- Views: 23573
Re: Why Buy Bonds If You Have A Mortgage?
You could lose your home, if you aren't careful. Depending on your age, the risk becomes far greater if you do what you're suggesting How? I mean, you'd have to have no money at all. Remember, all you have to do is meet your monthly debt service. Ask the people who lost their homes during the finan...
- Wed Jan 10, 2018 4:35 pm
- Forum: Investing - Theory, News & General
- Topic: Why Buy Bonds If You Have A Mortgage?
- Replies: 187
- Views: 23573
Re: Why Buy Bonds If You Have A Mortgage?
You could lose your home, if you aren't careful. Depending on your age, the risk becomes far greater if you do what you're suggesting How? I mean, you'd have to have no money at all. Remember, all you have to do is meet your monthly debt service. Ask the people who lost their homes during the finan...
- Wed Jan 10, 2018 3:09 pm
- Forum: Investing - Theory, News & General
- Topic: Why Buy Bonds If You Have A Mortgage?
- Replies: 187
- Views: 23573
Re: Why Buy Bonds If You Have A Mortgage?
Open a line of credit on your house equity. If market crashes, use line of credit to rebalance. Better rate than Bond. Yikes! Been down that road. I would never borrow against my home equity to invest a dime. Why is that? And did you have a mortgage while investing at any time? My mortgage was abou...
- Wed Jan 10, 2018 2:22 pm
- Forum: Investing - Theory, News & General
- Topic: Why Buy Bonds If You Have A Mortgage?
- Replies: 187
- Views: 23573
Re: Why Buy Bonds If You Have A Mortgage?
Yikes! Been down that road. I would never borrow against my home equity to invest a dime.WhiteMaxima wrote: ↑Wed Jan 10, 2018 12:45 pm Open a line of credit on your house equity. If market crashes, use line of credit to rebalance. Better rate than Bond.
- Wed Jan 10, 2018 11:26 am
- Forum: Investing - Theory, News & General
- Topic: Why Buy Bonds If You Have A Mortgage?
- Replies: 187
- Views: 23573
Re: Why Buy Bonds If You Have A Mortgage?
60-40 strikes me as very conservative for someone still 12 years from retirement but to each his own. Yes, you are correct, that the rule of thumb is not to refinance if the delta is less than 1%. You could also split the difference, investing some $ to principal each month and putting the rest to ...
- Wed Jan 10, 2018 10:41 am
- Forum: Investing - Theory, News & General
- Topic: Why Buy Bonds If You Have A Mortgage?
- Replies: 187
- Views: 23573
Re: Why Buy Bonds If You Have A Mortgage?
Certainly if one can avoid going into retirement with a mortgage, that is desirable. And if you are referring to your own situation, you'd be wiser to re-fi to a 15 year note than to pay down your current note, so that in 12 years your note will have a MUCH smaller balance remaining. You could then...
- Wed Jan 10, 2018 9:32 am
- Forum: Investing - Theory, News & General
- Topic: Why Buy Bonds If You Have A Mortgage?
- Replies: 187
- Views: 23573
Re: Why Buy Bonds If You Have A Mortgage?
There is no rational financial argument for paying down a mortgage over saving that money in tax advantaged space. The former saves you the relatively low interest rate of your loan. The latter saves you 15, 22, 25, 28%....whatever your fed tax rate is. Even in scenarios like 2000-2009, assuming yo...
- Tue Jan 09, 2018 9:43 pm
- Forum: Investing - Theory, News & General
- Topic: Why Buy Bonds If You Have A Mortgage?
- Replies: 187
- Views: 23573
Re: Why Buy Bonds If You Have A Mortgage?
Will all the negativity toward a mortgage, is there any plus's to it other than spending tons of money on it for the banks benefit? 

- Mon Jan 08, 2018 9:25 am
- Forum: Investing - Theory, News & General
- Topic: Paying off mortgage before investing at all?
- Replies: 75
- Views: 9453
Re: Paying off mortgage before investing at all?
But in the course of discussing this question, the author makes a point that I hadn't seen before. If you have a mortgage and are making your regular mortgage payments, but are simultaneously using extra income to save for retirement in equities, you are effectively borrowing money to invest in equ...
- Sat Jan 06, 2018 12:22 pm
- Forum: Personal Consumer Issues
- Topic: Buying a new home at age 50 in a nicer neighborhood
- Replies: 133
- Views: 18729
Re: Buying a new home at age 50 in a nicer neighborhood
At age 59 I moved from a home in a lower cost area to a higher cost, and much safer and more friendly, neighborhood. So I moved up when many are downsizing. I've never been happier. I have an ideal house in a fabulous area, perfect for me. I had no mortgage at the old place and took a small-ish mor...
- Sat Jan 06, 2018 10:42 am
- Forum: Personal Consumer Issues
- Topic: Buying a new home at age 50 in a nicer neighborhood
- Replies: 133
- Views: 18729
Re: Buying a new home at age 50 in a nicer neighborhood
Great looking remodel - hopefully you did not improve it past what the new neighborhood will sustain for future sale. Even if you did it will be enjoyable and likely almost worth it if you stay in it long enough. We picked it up for $365k. House next to us same layout just sold for $400. Both homes...
- Sat Jan 06, 2018 10:39 am
- Forum: Personal Consumer Issues
- Topic: Buying a new home at age 50 in a nicer neighborhood
- Replies: 133
- Views: 18729
Re: Buying a new home at age 50 in a nicer neighborhood
Great looking remodel - hopefully you did not improve it past what the new neighborhood will sustain for future sale. Even if you did it will be enjoyable and likely almost worth it if you stay in it long enough. We picked it up for $365k. House next to us same layout just sold for $400. Both homes...
- Fri Jan 05, 2018 9:13 pm
- Forum: Investing - Theory, News & General
- Topic: Paying off mortgage before investing at all?
- Replies: 75
- Views: 9453
Re: Paying off mortgage before investing at all?
I considered the refi at 15 years at 3.75%. But being commission only income earner, I like the idea of the 30 just in case business were to go south If that is the reason you are not refinancing -- you are cash flow sensitive and should keep yourself as liquid as possible. Therefore, listen to Kla...
- Fri Jan 05, 2018 9:00 pm
- Forum: Personal Consumer Issues
- Topic: Buying a new home at age 50 in a nicer neighborhood
- Replies: 133
- Views: 18729
Re: Buying a new home at age 50 in a nicer neighborhood
I missed this when it started. Congratulations! Your new home is very nice, as was your last home. Are you happy with the move? Did the re-model come in under budget? How has the move impacted your finances? Thanks all for the kind words. As far as the budget....nowhere near. We planned for $65K, i...
- Fri Jan 05, 2018 10:08 am
- Forum: Investing - Theory, News & General
- Topic: Paying off mortgage before investing at all?
- Replies: 75
- Views: 9453
Re: Paying off mortgage before investing at all?
I considered the refi at 15 years at 3.75%. But being commission only income earner, I like the idea of the 30 just in case business were to go south If that is the reason you are not refinancing -- you are cash flow sensitive and should keep yourself as liquid as possible. Therefore, listen to Kla...
- Thu Jan 04, 2018 10:24 pm
- Forum: Personal Consumer Issues
- Topic: Buying a new home at age 50 in a nicer neighborhood
- Replies: 133
- Views: 18729
Re: Buying a new home at age 50 in a nicer neighborhood
Here's a few... Master Bath Before: http://thetechhouse.myqnapcloud.com/~fmzip/Vista/mbbold.jpg Master Bath After: http://thetechhouse.myqnapcloud.com/~fmzip/Vista/mbnew4.jpg http://thetechhouse.myqnapcloud.com/~fmzip/Vista/mbnew.jpg http://thetechhouse.myqnapcloud.com/~fmzip/Vista/mbnew1.jpg Dining...
- Thu Jan 04, 2018 8:21 pm
- Forum: Investing - Theory, News & General
- Topic: Paying off mortgage before investing at all?
- Replies: 75
- Views: 9453
Re: Paying off mortgage before investing at all?
Makes sense but if you were my age, what would you do. 52 and 29 years left on the mortgage? I'd still owe $210,000 in 12 years and would have already paid $137,000 in interest. Piling up the prepayments in a taxable account doesn't make much sense to hopefully pay off the mortgage if and only the ...
- Thu Jan 04, 2018 8:13 pm
- Forum: Personal Consumer Issues
- Topic: Buying a new home at age 50 in a nicer neighborhood
- Replies: 133
- Views: 18729
Re: Buying a new home at age 50 in a nicer neighborhood
- Thu Jan 04, 2018 9:29 am
- Forum: Investing - Theory, News & General
- Topic: Paying off mortgage before investing at all?
- Replies: 75
- Views: 9453
Re: Paying off mortgage before investing at all?
This is a difficult decision. There's a lot involved, age, income stability, and piece of mind. Here's the issue, the next time the market drops by 50%, you will be wishing you paid down the mortgage and recasted as you watch the nest egg lose, quite possibly the value of a HOUSE! The other possibi...
- Thu Jan 04, 2018 8:41 am
- Forum: Investing - Theory, News & General
- Topic: Paying off mortgage before investing at all?
- Replies: 75
- Views: 9453
Re: Paying off mortgage before investing at all?
This is a difficult decision. There's a lot involved, age, income stability, and piece of mind. Here's the issue, the next time the market drops by 50%, you will be wishing you paid down the mortgage and recasted as you watch the nest egg lose, quite possibly the value of a HOUSE! The other possibi...
- Thu Jan 04, 2018 8:35 am
- Forum: Investing - Theory, News & General
- Topic: Paying off mortgage before investing at all?
- Replies: 75
- Views: 9453
Re: Paying off mortgage before investing at all?
2) I've never met anyone that refinanced their house to invest in the market. I did number two when I was much younger on the advise of my adviser! Needless to say I learned the valuable lesson buying options and lost a cool $50K..... Might be one more reason why I look forward to no mortgage! Had ...
- Wed Jan 03, 2018 11:57 pm
- Forum: Personal Consumer Issues
- Topic: Buying a new home at age 50 in a nicer neighborhood
- Replies: 133
- Views: 18729
Re: Buying a new home at age 50 in a nicer neighborhood
Love the brick house - much more than the others you were looking at! Congrats on the new home and excellent result selling your existing home. It also sounds like a financially sensible result all around. Please post some interior photos once you get moved in - would love to see them after followi...
- Wed Jan 03, 2018 10:45 pm
- Forum: Investing - Theory, News & General
- Topic: Paying off mortgage before investing at all?
- Replies: 75
- Views: 9453
Re: Paying off mortgage before investing at all?
But in the course of discussing this question, the author makes a point that I hadn't seen before. If you have a mortgage and are making your regular mortgage payments, but are simultaneously using extra income to save for retirement in equities, you are effectively borrowing money to invest in equ...
- Wed Jan 03, 2018 8:52 pm
- Forum: Investing - Theory, News & General
- Topic: Bloomberg warning of inherent market risk
- Replies: 8
- Views: 1634
Re: Bloomberg warning of inherent market risk
every piece, sounds like the last piece....
keep to the plan and block out the noise, can't time the market
keep to the plan and block out the noise, can't time the market
- Mon Jan 01, 2018 10:04 pm
- Forum: Personal Consumer Issues
- Topic: Any Instant Pot users here?
- Replies: 165
- Views: 20485
Re: Any Instant Pot users here?
Lol. Is it only me who thought it was a new kind of POT. Nope I did too :oops: would have been great to see a pot thread on BH. :D :D Agreed. After reading the title, this thread is a complete disappointment. I thought it would herald the opening of the Colorado sub-forum we have all been waiting f...
- Mon Jan 01, 2018 7:56 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 3405
- Views: 571806
Re: What are you up YTD? [Year To Date]
Use this spreadsheet:
https://www.dropbox.com/s/emjo61qdyfk87 ... .xlsx?dl=0
Details here:
https://www.bogleheads.org/wiki/Calcula ... preadsheet
- Mon Jan 01, 2018 12:49 am
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 3405
- Views: 571806
Re: What are you up YTD? [Year To Date]
as the ball drops closing out the year.... 12.05% on the Bogleheads Returns spreadsheet. Just tallied my first 3 year return on the spreadsheet, 5.8%. Very pleased, hoping to retire in 12 years. A 3.5% annual return average from here until then would be a blessing. 60/40ish asset allocation. Thanks ...
- Thu Dec 28, 2017 9:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: Another should i buy my dream porsche thread...
- Replies: 240
- Views: 17356
Re: Another should i buy my dream porsche thread...
Only true car people understand this. Love is blind. I love my car too. Most lasted longer than all my relationships

- Wed Dec 27, 2017 9:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Another should i buy my dream porsche thread...
- Replies: 240
- Views: 17356
Re: Another should i buy my dream porsche thread...
Absolutely buy it! You have plenty of income. Just stating that the house would be paid for in 3 years is reason enough. You will save plenty over your lifetime much easier getting in and out of that car at 39 than 69 when you have the giant nest egg saved. Enjoy life a little. I am a car guy, alway...
- Wed Dec 27, 2017 11:50 am
- Forum: Personal Investments
- Topic: Cash on hand
- Replies: 21
- Views: 1673
Re: Cash on hand
Totally agree. I can see a long term power outage and the need for some cash. We had one in October for 13 days here in CT with a freak October snowstorm. Some groceries stores were open without power, cash only. Fortunately we were stocked up. The entire state had this issue, a bit unsettling. I'd ...
- Tue Dec 26, 2017 9:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: car thread- too much money?
- Replies: 85
- Views: 8406
Re: car thread- too much money?
Suggestion: Buy two, two-three year old cars, under factory warranty. This is ideal. I just bought a 2015 Audi S4 with 12,000miles in July. Sticker new, $60K, bought for $39K. Under factory warranty until 10/2019. NEVER will EVER buy a new car again. Maybe you need to get it out of your system by ha...
- Sun Dec 24, 2017 10:12 pm
- Forum: Personal Investments
- Topic: [Deleted]
- Replies: 98
- Views: 19927
Re: REIT or No REIT
i started bogleheading just after the 2008 crash. at the time i picked Swensen's portfolio to start. over time i tweaked it for my stock/bond allocation, and simplified it just holding TBM instead of intermediate+TIPS due to lack of 401k choices. however, i've always held a large REIT allocation an...
- Fri Dec 22, 2017 3:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hoping for a Christmas Miracle
- Replies: 2
- Views: 840
Re: Hoping for a Christmas Miracle
I'm with you.
I am not pushing it. Just glad I planted a few seeds for him to step back and just look at the big picture. I don't think he even realized he had what he had already.....Success! He won the game.
I am not pushing it. Just glad I planted a few seeds for him to step back and just look at the big picture. I don't think he even realized he had what he had already.....Success! He won the game.