Search found 1313 matches

by randomizer
Tue Jul 17, 2018 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 93
Views: 4593

Re: Anyone not have a Budget?

I don't.
by randomizer
Sat Jul 14, 2018 3:00 am
Forum: Personal Finance (Not Investing)
Topic: Deciding how much to spend on home remodeling
Replies: 22
Views: 1862

Re: Deciding how much to spend on home remodeling

I'd visit other homes in the neighborhood during opens houses and get a feel for price and condition of homes in your area. Meet with a real estate agent to find out what your home will sell for after doing all the changes you plan on doing. I always look for what the market is willing to bear in m...
by randomizer
Wed Jul 11, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding how much to spend on home remodeling
Replies: 22
Views: 1862

Re: Deciding how much to spend on home remodeling

I'm still confused - how do you have no retirement money but half what is needed for retirement in savings? I ask as I think that will pertain to ability to afford a big expense like this I mean I have basically nothing in tax-advantaged accounts, and my retirement savings are all in taxable accoun...
by randomizer
Wed Jul 11, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding how much to spend on home remodeling
Replies: 22
Views: 1862

Re: Deciding how much to spend on home remodeling

Two things jumped out at me. First is where you stated "For at least the next couple of decades we'll be living here ", but then you state " not clear where we'll be working 1, 5, 10 years from now " (not even next year?). DO you really plan to be in this house for decades? Yeah, sorry. I could hav...
by randomizer
Wed Jul 11, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding how much to spend on home remodeling
Replies: 22
Views: 1862

Deciding how much to spend on home remodeling

Our home is about 517k and is in fine condition, but we'd like to make some structural changes to improve our quality of life. The major two are big overhauls of kitchen and bathroom (specifically, we want to create a combined kitchen/living area and carve out space for a small second bathroom), but...
by randomizer
Wed Jul 11, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1934
Views: 349538

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

Time for my quarterly update:

1-month return: -0.4%
3-month return: 0.4%
YTD (6-month) return: -0.3%

At this rate, will be able to retire in a few hundred years.
by randomizer
Sat Jul 07, 2018 1:00 am
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 5014

Re: How do normal people afford the Bay Area?

It's pretty clear that they don't.
by randomizer
Thu Jul 05, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: There will be a recession and market downturn
Replies: 58
Views: 3196

Re: There will be a recession and market downturn

I would be absolutely astonished if it took more than 5 years.
by randomizer
Tue Jul 03, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Tech tilt as hedge against rising cost of living in Bay Area
Replies: 37
Views: 2857

Re: Tech tilt as hedge against rising cost of living in Bay Area

I don't do tilts in general, and much less specific ones like this.
by randomizer
Tue Jul 03, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6098

Re: Do We need health insurance??

Health insurance cost is negligible relative to your assets, so I'd go for it.
by randomizer
Sun Jul 01, 2018 1:58 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12747

Re: What are your property taxes?

About a grand on a half-mill house.
by randomizer
Fri Jun 29, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: CD rates--what to do?
Replies: 33
Views: 4038

Re: CD rates--what to do?

On that time scale and in that tax bracket I'd just put it in Tax-Managed balanced fund (which is about 50:50, and tax efficient). You'd be unlikely to not beat inflation with that, but it's not guaranteed that you won't take a loss. If you really, really, want to avoid a loss, but possibly lose a ...
by randomizer
Wed Jun 27, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 343
Views: 31629

Re: What is/ was your career and would you recommend it now?

MJW wrote:
Wed Jun 27, 2018 4:43 pm
randomizer wrote:
Wed Jun 27, 2018 7:43 am
Artistic polymath, raconteur, dilettante, professional knave.
Have you ever considered adjacent markets such as rascal, scoundrel or rogue?
Absolutely, but more as a hobby.
by randomizer
Wed Jun 27, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: CD rates--what to do?
Replies: 33
Views: 4038

Re: CD rates--what to do?

Assume hypothetically you have a higher sum that you do not need to touch for a while... I'd want to know details. When will you need it? Will you need it all at once or in installments? What are the chances you might have to change your mind and tap the money early? How much are we talking about? ...
by randomizer
Wed Jun 27, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4541

Re: 60/40 or 40/60?

Don’t just do something, stand there! Stay the course and forget about trying to predict the future. 60:40 is a perfectly reasonable allocation. Your signature says - "75:25 — HODL the course!" should that be "HOLD"? Or, does it have an unseen meaning? Cheers It's a popular (meme-ish) expression wi...
by randomizer
Wed Jun 27, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1934
Views: 349538

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

Sadly, halfway through the year and S&P 500 (VFIAX) is only up +2.0% YTD. International (eg. VFWAX — FTSE All-World ex-US) is down -1.77% YTD.
by randomizer
Wed Jun 27, 2018 8:09 am
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 68
Views: 5045

Re: "Never time the market" vs. lump sum investment

Nope. Waiting is for people who can see the future, and nobody can. If you can’t stomach that, maybe your allocation is too aggressive.
by randomizer
Wed Jun 27, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard 500 over Vanguard Total (US) Stock Market
Replies: 45
Views: 5012

Re: Vanguard 500 over Vanguard Total (US) Stock Market

Warren Buffett agrees with you. I prefer total market, but am currently in the S&P 500 thanks to tax loss harvesting. Such is life.
by randomizer
Wed Jun 27, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 20642

Re: Can you retire on $2M?

$2m would totally work for me.
by randomizer
Wed Jun 27, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7130

Re: Are we just way over complicating this?

Yes, but one needs to keep entertained.
by randomizer
Wed Jun 27, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: Keeping up with inflation
Replies: 24
Views: 1840

Re: Keeping up with inflation

Stocks plus fixed-rate mortgage.
by randomizer
Wed Jun 27, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 343
Views: 31629

Re: What is/ was your career and would you recommend it now?

Artistic polymath, raconteur, dilettante, professional knave.
by randomizer
Wed Jun 27, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4541

Re: 60/40 or 40/60?

Don’t just do something, stand there!

Stay the course and forget about trying to predict the future. 60:40 is a perfectly reasonable allocation.
by randomizer
Wed Jun 27, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14721

Re: How much (green) cash at home for emergency ?

I only keep what’s in my wallet (less than a hundred bucks).
by randomizer
Wed Jun 27, 2018 2:07 am
Forum: Investing - Theory, News & General
Topic: Is day trading profitable?
Replies: 36
Views: 3122

Re: Is day trading profitable?

After costs, I'd imagine it is not profitable on average.
by randomizer
Tue Jun 26, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: CD rates--what to do?
Replies: 33
Views: 4038

Re: CD rates--what to do?

Assume hypothetically you have a higher sum that you do not need to touch for a while... I'd want to know details. When will you need it? Will you need it all at once or in installments? What are the chances you might have to change your mind and tap the money early? How much are we talking about? ...
by randomizer
Tue Jun 26, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 96
Views: 10355

Re: $1 million house--- sanity check

Sounds like a lot of money to me, even if you think the price is good. I just can't imagine paying NorCal prices, even with a healthy income and stable industry like yours. Having said that, it seems you can afford it.
by randomizer
Tue Jun 26, 2018 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Do you/How do you stress-test your plan?
Replies: 29
Views: 1474

Re: Do you/How do you stress-test your plan?

I just pad all my estimates by a large margin.
by randomizer
Tue Jun 26, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 21k
Replies: 6
Views: 751

Re: What to do with 21k

I'd pay off the car for psychology comfort, or if you don't need/value that, invest in taxable according to desired AA.
by randomizer
Sun Jun 24, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11676

Re: When did you start flying business class?

Clearly I have the money to pay for the business class seats. I guess what I am saying is that I don’t feel 24k provides good value to me. I can definitely relate to this. I have flown business class on the company dime, but I can't see myself paying it out of my own pocket and I don't have the int...
by randomizer
Sun Jun 24, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11676

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 randomizer
Sun Jun 24, 2018 6:53 am
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 126
Views: 9063

Re: Factor Investing Makes Someone Money, But Maybe Not You

Totally agreed. Simplicity its best, probably for 99% of people, although I expect about 40% of people to disagree with me.
by randomizer
Thu Jun 21, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: How much of your taxable holdings is unrealized capital gains?
Replies: 58
Views: 5009

Re: How much of your taxable holdings is unrealized capital gains?

I am not sure because I have more than one taxable account and am too lazy to do the math. On the largest one, though, about 14.5% is currently taxable gains.
by randomizer
Tue Jun 19, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8432

Re: gray hair

I embrace it.
by randomizer
Sun Jun 17, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 34
Views: 3080

Re: How do you read books?

I read on the Kindle, linearly, and I highlight the stuff that seems new/interesting to me.
by randomizer
Sun Jun 17, 2018 12:29 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2655

Re: When is the June ex-dividend date for VTSAX

Sorry if this is a dumb question, but can you help me understand when the dividend would be paid if new shares are being bought? I’m trying to avoid receiving the dividend (as it will lead to immediate tax consequences). I have an automatic investment that will trigger on June 19. This means I will...
by randomizer
Sun Jun 17, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 127
Views: 10310

Re: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]

His numbers seem blatantly flawed by survivorship bias. If you include all the underperforming funds that got shut down over the years, the success rate (where success rate is defined as % of funds that beat the market) looks much worse, especially if you look at it after costs.
by randomizer
Sat Jun 16, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1979

Re: Am I "market timing"?

100% convinced? I’m not 100% convinced of anything.
by randomizer
Sat Jun 16, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7751

Re: I feel like selling my 3 fund

With such a low equity allocation you are certainly making things hard for yourself.
by randomizer
Thu Jun 14, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11662

Re: Are you including SS in your planning model? Are the benefits really that high?

Nope. I am young enough that I make no assumptions about government benefits 30 years from now. Too much can change. BUT you are perfectly happy about making certain assumption about how US stock market will be doing from 30 years from now and have no fear that Chinese/Indians would have taken over...
by randomizer
Wed Jun 13, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11662

Re: Are you including SS in your planning model? Are the benefits really that high?

Nope. I am young enough that I make no assumptions about government benefits 30 years from now. Too much can change.
by randomizer
Sun Jun 10, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10551

Re: Why do we work?

I work to get some time away from home. :D
by randomizer
Sun Jun 10, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 56
Views: 6713

Re: Large inheritance -- looking for advice

Three-fund portfolio! No need for financial advisers.
by randomizer
Sun Jun 10, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Charity giving how much? How much do other retirees give?
Replies: 44
Views: 3950

Re: Charity giving how much? How much do other retirees give?

Give away 25% of your withdrawals every year. Reevaluate annually. Can always give away most at death with stepped up basis.
by randomizer
Sun Jun 10, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 12245

Re: MD&P just purchased X / sold Y [md&pharmacist]

Buckle up Dorothy, because Kansas is goin’ bye-bye.
by randomizer
Sun Jun 10, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Annual Portfolio Checkup
Replies: 4
Views: 525

Re: Annual Portfolio Checkup

Good on you for simplifying your portfolio. I think you should keep going.
by randomizer
Sun Jun 10, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: How much rent can one afford?
Replies: 4
Views: 528

Re: How much rent can one afford?

I think is depends on where you live. HCOL area: 40%. LCOL: 10%.