Search found 1245 matches

by randomizer
Sat May 26, 2018 12:18 am
Forum: Investing - Theory, News & General
Topic: I'm an indexer... but...
Replies: 37
Views: 3697

Re: I'm an indexer... but...

8 years of staying the course during a bull market.
by randomizer
Fri May 18, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 8485

Re: Golden Handcuffs

BradJ wrote:
Wed May 16, 2018 8:16 am
Has anyone been in a situation where the job was not rewarding but the benefits/pay were outstanding?

Did you unlock the handcuffs and go search for a rewarding careeer?

Or did you tighten those suckers and just go with the flow?
Yes, yes, and yes, but not in that order.
by randomizer
Fri May 18, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: Should I invest in a hedge fund?
Replies: 3
Views: 890

Re: Should I invest in a hedge fund?

Same as the answer to "Should I gouge out my eye with a stick?"
by randomizer
Fri May 18, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 610
Views: 69521

Re: Netflix, Your Current Favorite Show

Currently enjoying "Better Call Saul" and "Easy".
by randomizer
Fri May 18, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 132
Views: 8112

Re: Dave Ramsey it or keep low interest debt

Right now I save 86k annually. Should I continue saving as is (via 401k, Roth, taxable) or save less to knock out these very low interest loans? I wouldn't race to kill off the car loans. I wouldn't even race to kill off the mortgage to be honest, although there's not enough info in your post to be...
by randomizer
Fri May 18, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Long term investment in grains/wheat
Replies: 22
Views: 1325

Re: Long term investment in grains/wheat

I'm happy with the exposure to grains/wheat that I get from investing in a total market index.
by randomizer
Fri May 18, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: Want Vanguard funds. Need Vanguard account?
Replies: 9
Views: 798

Re: Want Vanguard funds. Need Vanguard account?

Just go with Vanguard, and put all of your eggs in its very safe basket.
by randomizer
Fri May 18, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Which AA do people draw from in retirement?
Replies: 17
Views: 1454

Re: Which AA do people draw from in retirement?

By the time I retire I should have managed to read all of The Ultimate Guide to Safe Withdrawal Rates . But that will likely take me the next 20 years. If I had to make it up as I go along, I'd think that I'd want to do a rising-equity glide path, withdrawing from fixed-income. If I get edgy about r...
by randomizer
Fri May 18, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6020

Re: Neighbor wants to use our land temporarily - let them or not?

My gut reaction would be to say no, but that's only in the hypothetical sense. I bet if somebody really asked me I would cave in immediately.
by randomizer
Thu May 17, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7593

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

BogleMelon wrote:
Thu May 17, 2018 10:02 am
randomizer wrote:
Thu May 17, 2018 9:55 am
OP: does your friend know more than Warren Buffett?
You won the internet!
Warren is on my mind after recent stockholder meeting.
by randomizer
Thu May 17, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard's Tax Managed Balanced Fund (VTMFX) truly passive/Index??
Replies: 16
Views: 1197

Re: Is Vanguard's Tax Managed Balanced Fund (VTMBF) truly passive/Index??

Don’t know, but I am happy holding this fund. The expense ratio is low.
by randomizer
Thu May 17, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing in 8 years. Buy now?
Replies: 18
Views: 1636

Re: Downsizing in 8 years. Buy now?

I wouldn’t do it. If the market is crazy when you want to downsize, rent.
by randomizer
Wed May 16, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 464
Views: 24288

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

I'm 33.5 years old - I don't pretend to know what tax bracket I will be in 26 year from now - also, I don't know what tax brackets will be in 26 years - maybe there won't even be "tax brackets" in 26 years. . . . . .I am confident, however, that "future me" will enjoy not paying any taxes on my Rot...
by randomizer
Wed May 16, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 6013

Re: Would you send your children to private school in my situation?

With income like that, seems like a no-brainer. Private.
by randomizer
Wed May 16, 2018 2:09 am
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 27
Views: 1506

Re: Would you be willing to temporarily change your AA?

Just say your usual allocation is 75:25 and the market drops and it's time to rebalance. Your math tells you that you should sell $50k of bonds and buy $50k of equities, but you decide that because they're "on sale" you want to exchange $75k or $100k instead. Now your AA will be more aggressive than...
by randomizer
Wed May 16, 2018 1:00 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 100
Views: 8931

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

I hold bonds because the future may not look like the past.

Or it might.

Either way, nobody knows nothin'.
by randomizer
Tue May 15, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Do you know your marginal tax rate?
Replies: 27
Views: 2917

Re: Do you know your marginal tax rate?

I know my marginal, but only figure out my effective at the end of the tax year.
by randomizer
Tue May 15, 2018 9:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9048

Re: Yes, I'm 89 all right!

Looking forward to the book!
by randomizer
Sat May 12, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2225

Re: Online/cloud backup or file storage?

Google Drive and Dropbox are both good.
by randomizer
Sat May 12, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 78
Views: 8913

Re: Retire Internationally for FIRE

I want to do this.
by randomizer
Sat May 12, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Muni bondholders vs. pensions
Replies: 50
Views: 2961

Re: Muni bondholders vs. pensions

This worries me but I don’t think the sky will fall this year at least. I’ll worry more as the years go by. Time to switch to 100% stock?
by randomizer
Sat May 12, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Anything wrong with too many lots?
Replies: 47
Views: 4686

Re: Anything wrong with too many lots?

I have small lots and I don’t regret it, yet...
by randomizer
Sat May 12, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 22613

Re: Lucrative careers?

Machine Learning and Artificial Intelligence.
by randomizer
Fri May 11, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: buying new laptops
Replies: 19
Views: 2042

Re: buying new laptops

I usually buy from the Apple Store, but I don't like their recent wares.
by randomizer
Tue May 08, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2459

Re: Happy 89th birthday to Bogle

Happy Birthday Jack. Thanks for helping so many people break free.
by randomizer
Mon May 07, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Total Bond - SEC yield breaks 3%
Replies: 97
Views: 10600

Re: Total Bond - SEC yield breaks 3%

Just like the good old days.
by randomizer
Mon May 07, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 16919

Re: What Percentage CASH are you?

About 10% but only because of some imminent expenses. Expect to be down to around 2.5% within the next six months or so.
by randomizer
Sun May 06, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 5934

Re: Comparing 2 physician jobs

The numbers in this post are too large for me to make sense of them.
by randomizer
Thu May 03, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Swollen Emergency Fund....What now?
Replies: 43
Views: 3195

Re: Swollen Emergency Fund....What now?

Not much use having it anywhere but the market. Maybe put it in a sufficiently conservative balanced fund to help you better stomach the volatility. Learn the art of not looking at prices. Try to forget it's there.
by randomizer
Thu May 03, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Need advice on $5M property sale
Replies: 39
Views: 3994

Re: Need advice on $5M property sale

That's a stomach-churning amount. I'd definitely shop around.
by randomizer
Thu May 03, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7895

Re: Bucket List Adventures/Activities

For me it’s mostly making things, learning things.
by randomizer
Mon Apr 30, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another person wondering: keep long-term care insurance or not?
Replies: 29
Views: 2222

Re: Yet another person wondering: keep long-term care insurance or not?

I prefer not to think about these things.

Kind of like the folks mentioned in this article.
by randomizer
Mon Apr 30, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15281

Re: How do you know when you have "won the game"?

I'd quit tomorrow in your situation. Get a library card. Volunteer somewhere. Maybe strap on a backpack and hike the John Muir Trail etc.
by randomizer
Mon Apr 30, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: 6 month T-bills are at 1.99%
Replies: 55
Views: 5072

Re: 6 month T-bills are at 1.99%

I sure wish rates had been this good a few months ago when I bought some t-bills.
by randomizer
Mon Apr 30, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 6862

Re: How would you handle a request for money from a niece?

I just wish grown-ups would act like grown-ups when it comes to money.
by randomizer
Mon Apr 30, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Fixed income windfall allocation: lump sum or steadily buy?
Replies: 43
Views: 2565

Re: Fixed income windfall allocation: lump sum or steadily buy?

Seems irrational to want to value average equities but lump sum fixed income. Just lump it all.
by randomizer
Sat Apr 28, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to subscribe to the NY Times
Replies: 9
Views: 1047

Re: Cheapest way to subscribe to the NY Times

Chrome Incognito window.
by randomizer
Sat Apr 28, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Banking IT Infrastructure Meltdown - So have you diversified your Custodians and Banks?
Replies: 14
Views: 1895

Re: Banking IT Infrastructure Meltdown - So have you diversified your Custodians and Banks?

oldcomputerguy wrote:
Sat Apr 28, 2018 1:26 pm
In this vein we keep $1,000 in cash stashed at home in case the infrastructure burns and doesn’t come back before we run out of groceries.
:shock:
How about actual food?
by randomizer
Sat Apr 28, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: 300k vs 500k house?
Replies: 32
Views: 4461

Re: 300k vs 500k house?

Small house.