Bogleheads.org

TheLaughingCow

Reuters and WSJ

TheLaughingCow

antman50 wrote: ↑Sun Jan 17, 2021 10:57 am
TheLaughingCow wrote: ↑Thu Jan 14, 2021 1:19 pm I am surprised by how equity heavy many of the posters on here are. I feel that a 25% allocation to safe bonds is the minimum acceptable for any age.
In your opinion, what means the criteria of “safe bonds”?

Federal government debt

TheLaughingCow

I am surprised by how equity heavy many of the posters on here are. I feel that a 25% allocation to safe bonds is the minimum acceptable for any age.

TheLaughingCow

I wouldn't do it but it's certainly possible.

TheLaughingCow

When looking at P/E ratios, one really needs to consider the environment we're in. Earnings fell off a cliff this year. Most anticipate better earnings going forward then the trailing quarter or year. In January of 2009 the P/E the S&P 500 had a P/E of 70.91 - and that was a great time to be bu...

TheLaughingCow

Nobody will know until 3 years from now.

TheLaughingCow

You are doing extremely well. What is the purpose of "diversifying" your portfolio? For example keeping 0.08% of your 401k ($92?) in each of the Lifepath Indexes from 2025 to 2065. Have you considered simplifying? The 0.08% you're referring to are expense ratios, not my 401k allocations :...

TheLaughingCow

You are doing extremely well. 1) Saving the same amount each year you will have $600,000 by 37, assuming 0 growth. Considering your low expenses I would say you would be FI at that point. 3) Your emergency fund is already quite large, given your low expenses. 4) You are saving $38,000 per year and h...

TheLaughingCow

“Obvious prospects for physical growth in a business do not translate into obvious profits for investors.” - Benjamin Graham

TheLaughingCow

Is there a reason you are nearly 100% stocks so close to retirement?

TheLaughingCow

What news sources do you use? I'm looking for news sources that fit the following criteria: - Global news with a focus on the USA. - Written at a high level with detailed analysis. - No misinformation and minimal political bias. - Free (willing to pay a low cost for very high quality news that can't...

TheLaughingCow

To clarify, my question was asking how much RE value you would own, and not how many homes (i.e. If I were worth $10M I would like own $3M in real estate (or whatever the number may be)) It seems from the responses that some people would just live in their current home even if they were worth $100M...

TheLaughingCow

Perhaps it's because I am one of the "poors" but I never understood the need to have more than 2 houses (1 for non-snowbirds).

It seems extraordinary wasteful to leave penthouses, yachts, and beach homes unoccupied for most of the year, regardless of the owner's level of wealth.

TheLaughingCow

My 9-year old son paid $4.99 to download a game called "TD Bloons 6" on the Ipad. After playing for a while, he wanted to buy an in-app upgrade for another $4.99. I tried to tell him that these upgrades weren't with it and they would take all of his money while he could be playing other g...

TheLaughingCow

How much money does he have? Maybe the most effective lesson is to get wiped out. For some things I would agree but not in this case. Games like this are designed to foster addictive behavior. As a 9 year old his brain is still developing. This could lead to lifelong problems managing addictions. I...

TheLaughingCow

One thing to note is that his sampling of millionaires had quite a bit of survivorship bias. The people who had started a business and then failed were not interviewed. Nor were the people who had steadily accumulated wealth in a conservative manner, but failed to meet millionaire status. If you sta...

TheLaughingCow

What if they acquire their competition AOL-Time Warner style?

Will they still be overvalued then?

TheLaughingCow

Say nothing unless asked.

TheLaughingCow

Nice job

TheLaughingCow

Physical gold is pretty much the only thing I would trust.

Hyperinflation will likely be coupled with economic and societal collapse in your country so I would not trust real estate, GLD, TIPs etc to hold their value.

TheLaughingCow

... I am not that young, but I am old enough to see a trend. The younger generation (younger than me) is addicted to gambling whether it is through robinhood or cryptocurrency. Check out this video on youtube, these are kids gambling which is nuts in my view, or maybe I am starting to get old as we...

TheLaughingCow

I've been doing some research into individual health care stocks such as Cigna, CVS, and Walgreens. I've noticed a few things: 1) a huge run up in profits over the past 2 years. Profits have roughly doubled in the last 2 years and have been steadily increasing for the past 10. Same for free cash flo...

TheLaughingCow

It won't happen. They have too much sway with politicians, and besides, the perceived harm to the customer is not large.

In before the lock.

TheLaughingCow

Small allowance at age 6 (5$ weekly) As they age, larger amounts with more time in between (15$ biweekly, $40 monthly) to teach self control and saving. At age 10 or so give them interest on their saved money to teach about saving and the power of compounding interest. It's important to have your sp...

TheLaughingCow

OP, I have similar goals to you, just with a different target allocation. I would like to have 100% of my portfolio in rapidly appreciating stocks.

TheLaughingCow

btenny wrote: ↑Mon Nov 16, 2020 3:17 pm Then buy residential real estate at a young age and purchase your first rental house at 21.

Buy good properties in nice neighborhoods in growing towns.

Buy another rental house every year.

Keep buying a house or two per year.

Just when I think bogleheads can’t get any more out of touch...

TheLaughingCow

bluquark wrote: ↑Sun Nov 08, 2020 6:40 pm There's something about the psychology of muni investors and financial advisers that they love to focus excessively on what could go wrong.

That's the mentality of any prudent investor in bonds.

TheLaughingCow

00.00

TheLaughingCow

S&P 500 futures are up big time.

TheLaughingCow

You can afford the house.

Likely you are feeling the fear that comes with any big change or commitment in life.

Ask yourself why you committed to buy the house. If those reasons are still valid, buy the house.

If not, don't.

TheLaughingCow

Wow...Shock collars, Vocal cord removal, inside a crate for several hours every day!!! Re-home it...somewhere none of these options are on the table. Most dogs don't view their crate as a prison but rather as a safe space. They are den animals. Don't assume that an animal has the same wants and nee...

TheLaughingCow

No I don't. In before the lock

TheLaughingCow

Confessions of a personal finance reporter: 3 of my worst money mistakes PUBLISHED SAT, OCT 24 202010:15 AM EDT Sarah O’Brien @SARAHTGOBRIEN KEY POINTS My mistakes have been plentiful over the course of my adult life. I’m not proud of the financial mistakes I’ve made. I’m sharing a few of the big o...

TheLaughingCow

It may be more helpful to think of this program as you offering credit to your employer. What is the current interest rate on your company's credit facility/line of credit? What is their credit rating? What protections or claims to assets will you have if your company suddenly goes bankrupt? How lon...

TheLaughingCow

Don't do it OP

TheLaughingCow

Op, stay the course, god willing, if oil takes another 50% bath, the yield will double yet again! :D Reminds me of an old joke: An airliner is flying from London to New York. About an hour into the flight, the pilot announced, "We have lost an engine, but don't worry, there are three left. How...

TheLaughingCow

The person advocating for more leverage is usually a 25-year-old with lots of debt, few assets, and little experience. It never seems to be the 60-year-old multimillionaire I'd like to emulate. I’m pretty sure every 60-year-old billionaire uses a lot of debt This was absolutely incredible bait, if ...

TheLaughingCow

Even if inflation increases, the price of oil may not increase commensurately.

TheLaughingCow

I would consider holding BRK to be less safe than holding a value fund. A single liability could balloon and kill the company. That won't happen to a value fund.

TheLaughingCow

alex_686 wrote: ↑Fri Oct 09, 2020 9:10 pm
one can be passive and aggressive at the same time

I have known a few people like this

TheLaughingCow

Another article that encourages us to reach for yield. Where were these articles in March when these assets were trading at a discount?

BTW "equity-like" sure is a nice euphemism for "junk".

TheLaughingCow

TheLaughingCow wrote: ↑Sun Oct 04, 2020 3:11 pm Let me know if I'm wrong, but I believe self managed real estate investments have some significant tax advantages over REITs.

TheLaughingCow

Let me know if I'm wrong, but I believe self conducted real estate investments have some significant tax advantages over REITs.

TheLaughingCow

Today was a preview of the next 5 to 10 years; small cap, value & gold flat to positive, large cap stocks & bonds both down. you're crazy. tech is going to dominate the remainder of our lives. Only because the definition of a "tech" stock can be stretched to fit nearly any modern ...

TheLaughingCow

fwellimort wrote: ↑Sat Oct 03, 2020 8:04 pm I learnt a few things in Bogleheads.
1. No one knows nothing but stock market is practically guaranteed 12% returns. But only for domestic.

Perhaps you are confusing bogleheads and Dave Ramsey?

TheLaughingCow

What age does your wife want to retire?

What are your incomes after tax?

If your wife is the breadwinner you should get a lot of disability and term life insurance for her until your child is grown.

TheLaughingCow

Look at housing costs. It's unaffordable for the new generation and in highly sought after locations, prices are such that one can work an entire working career and still be unable to afford one. I'm not going to rebut all your inflation points. However, using this one as an example, if you look at...

TheLaughingCow

Look at housing costs. It's unaffordable for the new generation and in highly sought after locations, prices are such that one can work an entire working career and still be unable to afford one. I'm not going to rebut all your inflation points. However, using this one as an example, if you look at...

TheLaughingCow

Look at housing costs. It's unaffordable for the new generation and in highly sought after locations, prices are such that one can work an entire working career and still be unable to afford one. I'm not going to rebut all your inflation points. However, using this one as an example, if you look at...

TheLaughingCow

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