Search found 971 matches

by randomizer
Fri Feb 23, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 13
Views: 424

Re: Should I bite the bullet and invest in this market?

Dump it all in at an asset allocation that you can stomach, and if that is too much for you, dollar-cost average it in over 12 months. The market will rise and it will fall; you'll have to learn to be comfortable with both.
by randomizer
Fri Feb 23, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 20
Views: 531

Re: How Do People Without Computer Access Prepare and File Their Taxes?

I have a computer, but I have an accountant that files my taxes. I prefer not to get my hands dirty with that stuff. (Sure, sure, I do email him, and I do end up downloading/forwarding tax forms to him electronically.)
by randomizer
Fri Feb 23, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Financial proposal from Adviser
Replies: 11
Views: 325

Re: Financial proposal from Adviser

I received a hypothetical proposal from a financial advisor with EJ, I moved all my accounts from them but still have a 529 plan with them. It's a proposal to grow my funds from around 200K to almost 800K over a span of 20 years. It would be half in American funds (index funds, bond index funds) an...
by randomizer
Fri Feb 23, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 2
Views: 242

Re: Larry Swedroe: What Investors Should Worry About

He's probably right, but I was planning on just sticking to my 3-fund portfolio and not paying attention to the balances for the next 20 years.
by randomizer
Fri Feb 23, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: When Stocks and Bonds Fall
Replies: 18
Views: 506

Re: When Stocks and Bonds Fall

If your investment horizon is long, I see no reason to move out of Total Bond.
by randomizer
Fri Feb 23, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Buying a bond ladder not as easy as I thought
Replies: 11
Views: 948

Re: Buying a bond ladder not as easy as I thought

So in the end I went with market orders. This pushed my bids up enough to actually transact, roughly on the order or $1 or $2 on each $5,000 batch. Each order took about 5 to 30 seconds to actually fill. The "Market Depth" view in Interactive Broker's "Trader Workstation" app kept locking up for me ...
by randomizer
Thu Feb 22, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a bond ladder not as easy as I thought
Replies: 11
Views: 948

Re: Buying a bond ladder not as easy as I thought

BIL - SPDR Bloomberg Barclays 1-3 Month T-Bill ETF SHV - iShares Short Treasury Bond ETF GSY - Guggenheim Ultra Short Duration ETF NEAR - iShares Short Maturity Bond ETF MINT - PIMCO Enhanced Short Maturity Active ETF FLOT - iShares Floating Rate Bond ETF FLRN - SPDR Bloomberg Barclays Investment G...
by randomizer
Thu Feb 22, 2018 8:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 200
Views: 13631

Re: Two Comma Club

So with the recent correction, did you join the club, leave it, and then join it again?
by randomizer
Thu Feb 22, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 50
Views: 3706

Re: Do you rent even if you can afford to buy?

I've rented my entire life (40s now). Always prized the flexibility, and scared of debt. In recent years though (low fixed rates) I've become more comfortable with the idea of debt, and I have a solid income stream to pay it off, so my unwillingness to buy has changed.
by randomizer
Thu Feb 22, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a bond ladder not as easy as I thought
Replies: 11
Views: 948

Re: Buying a bond ladder not as easy as I thought

I don't think I can buy those via Interactive Brokers, can I? (I don't want to get off into the weeds, but for various reasons, the money is pretty much stuck there.)
by randomizer
Thu Feb 22, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Good choice for money in brokerage account needed within 6 to 9 months?
Replies: 10
Views: 929

Re: Good choice for money in brokerage account needed within 6 to 9 months?

For reference, I posted another thread about my experience actually trying to implement this plan.
by randomizer
Thu Feb 22, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a bond ladder not as easy as I thought
Replies: 11
Views: 948

Buying a bond ladder not as easy as I thought

In this topic I asked about where to park some money I have in a brokerage account at Interactive Brokers, money which I'll need later this year. Roughly speaking, my plan was to take about $50,000 and buy a non-rolling ladder of T-Bills such that I have about $5,000 maturing each month over the com...
by randomizer
Wed Feb 21, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Joint Taxable Account
Replies: 17
Views: 1019

Re: Joint Taxable Account

If you made a trust account that could make things easier for the surviving spouse if one of you dies earlier.
by randomizer
Wed Feb 21, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Looking into Hands Off Commercial Real Estate
Replies: 14
Views: 1295

Re: Looking into Hands Off Commercial Real Estate

You have won the game. I would keep it simple.
by randomizer
Wed Feb 21, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car debt or invest??
Replies: 24
Views: 1013

Re: Pay off car debt or invest??

I don't think it makes a huge difference in this case but I think I would pay it off.
by randomizer
Wed Feb 21, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 150
Views: 6836

Re: What UN-frugal thing do you do?

Splurging on food and drink. One of the good things about being alive.
by randomizer
Wed Feb 21, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 55
Views: 4376

Re: How do I unwind this Wealthfront mess?

I'd just bite the bullet and sell all the lots with long term gains. When the lots with short term gains become long term gains, sell those too.
by randomizer
Wed Feb 21, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds
Replies: 7
Views: 567

Re: Bond funds

Total Bond Market. If in high tax bracket, may want to look into tax-exempt munis.
by randomizer
Wed Feb 21, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 12
Views: 805

Re: Asset Allocation

In a 9-year bull market, many believe that stocks only ever go up. People advocate 90:10, or 100:0, or even leverage. But I think until you have been "tested" by a big drop, 75:25 is a good starting allocation. Of course, if you go 90:10 or 100:0 and fail the "test" and panic, it probably won't matt...
by randomizer
Wed Feb 21, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5189

Re: Multiple Offer situation/should we pull our offer?

I'd keep the offer in, but wouldn't increase it. Operators in this field are sharks. I wouldn't expect to find anything else.
by randomizer
Wed Feb 21, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Large withdrawal in retirement
Replies: 11
Views: 654

Re: Large withdrawal in retirement

Not enough information to compute.
by randomizer
Tue Feb 20, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 52
Views: 4969

Re: Yikes, I waited too long, am I [too late]? 50k to invest

Life Strategy or target date retirement fund and forget about it.
by randomizer
Tue Feb 20, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 52
Views: 5083

Re: What do Bogleheads think of Passive income through Dividend Stocks

Not a huge fan of dividends from a taxation perspective. Give me long term capital gains instead.
by randomizer
Tue Feb 20, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 84
Views: 7039

Re: What's your cash position

I currently have a few years in cash, but only because I am about to do a big home renovation which will turn that 3-year pile into a 1-year one.
by randomizer
Tue Feb 20, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 52
Views: 5848

Re: Staying Motivated: How do you ward off hopelessness?

I tell myself that I might not win, but at least I can lose a bit less terribly.
by randomizer
Mon Feb 19, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers fee structure for passive investors
Replies: 36
Views: 2372

Re: Interactive Brokers fee structure for passive investors

SlowMovingInvestor wrote:
Mon Feb 19, 2018 8:26 am
IB is definitely geared towards active investors, especially those who want to trade 'exotic' instruments. Not suitable for buy-and-holders at all.
Seems fine if you have > $100k.
by randomizer
Mon Feb 19, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Dynamic Allocation based on the Intelligent Investor
Replies: 15
Views: 1213

Re: Dynamic Allocation based on the Intelligent Investor

My thinking was that the only time the Schiller PE has gone under 17 since the early 90s, was during recessions. So I'm worried that if I lower the PE ratio thresholds, I run a risk of being way too conservative. "since the early 90s" isn't really anything at all in terms of market history. I would...
by randomizer
Mon Feb 19, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Best Investment Options with Zero Earned Income
Replies: 16
Views: 988

Re: Best Investment Options with Zero Earned Income

Putting it into taxable is fine too. Get something tax efficient (not too dividend heavy), maybe a tax-managed fund, and remember that long term capital gains are taxed at a low rate.
by randomizer
Mon Feb 19, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15829

Re: free dinner investing seminar

Ugh... I really hate being sold to.
by randomizer
Mon Feb 19, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and whether robo-investor fees are worth it
Replies: 27
Views: 1988

Re: Tax loss harvesting and whether robo-investor fees are worth it

TLH is easy (you can learn it from reading this forum). No way are robos worth 0.25%, unless they somehow magically shield you from making behavioral mistakes, in which case they are worth their weight in gold.
by randomizer
Mon Feb 19, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: Understanding an ETF by it's Name
Replies: 24
Views: 791

Re: Understanding an ETF by it's Name

How about the Wellington and Wellesely funds? Those names don't seem to mean much at all. (Disclaimer: haven't invested in them.)
by randomizer
Mon Feb 19, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I payoff my Mortgage?
Replies: 25
Views: 1485

Re: Should I payoff my Mortgage?

No way I'd pay this off with that interest rate and your income. I like having the mortgage as an inflation hedge. If and when things change, you'll easily be able to pay it off.
by randomizer
Mon Feb 19, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 43
Views: 6191

Re: Paying off $372000 mortgage in 12 months

If you can find $30k/month then I don't really see the urgency in paying it off. You have enough income that you could pay it off quickly whenever you want, and knowing you could pay it off is psychologically not that far from actually paying it off. What's the rate on the mortgage? Is it fixed rate...
by randomizer
Sun Feb 18, 2018 7:15 pm
Forum: Forum Issues and Administration
Topic: Fewer Readers Despite Continued Market Volatility
Replies: 7
Views: 676

Re: Fewer Readers Despite Continued Market Volatility

steve roy wrote:
Sun Feb 18, 2018 6:47 pm
All I can tell you is I come to the site when I have the time, NOT in reaction to market conditions
I come here and therefore find out about market conditions.
by randomizer
Sun Feb 18, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9094

Re: Do you wear a wedding band?

I wear it but it is uncomfortable.
by randomizer
Sun Feb 18, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9387

Re: Job is starting to suck the life out of me.

Seems like a fairly common experience from my point of view. Your employer is not your friend, not your family, and comprises a set of apathetic or self-interested agents. Oh, and maybe a few good eggs too.
by randomizer
Sun Feb 18, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 40
Views: 4264

Re: Expat Living

Escaping the US healthcare system alone seems reason enough to consider it. Not an easy move of course.
by randomizer
Sun Feb 18, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1377

Re: Expected return of US vs International, basic question

ruralavalon wrote:
Sun Feb 18, 2018 12:53 pm
randomizer wrote:
Sun Feb 18, 2018 12:43 pm
World market cap weight and forget about it.
Or 20-30% of stocks in international stocks, and forget about it.
True enough. There’s a lot be said for simplicity.
by randomizer
Sun Feb 18, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 63
Views: 6323

Re: $12,000 Refrigerator?

Three letters: wat.
by randomizer
Sun Feb 18, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie here [Where to invest inheritance?]
Replies: 5
Views: 426

Re: Newbie here [Where to invest inheritance?]

Sorry about your loss.

On the bright side, you couldn’t have come to a better place for advice. Good luck.
by randomizer
Sun Feb 18, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to simplify International Allocation
Replies: 10
Views: 239

Re: Looking to simplify International Allocation

Total international isn’t tilted but you knew that already. Why it seeing the actual percentage as a number causing you to rethink your tilt? Personally, I have no interest in tilting.
by randomizer
Fri Feb 16, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 25
Views: 2180

Re: Retiring abroad. Move taxable/checking accounts to Schwab?

Very interesting. I hope it works out for you at they said it would.
by randomizer
Thu Feb 15, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 4556

Re: What is the evidence against slice and dice?

Slicing and dicing seems like a waste of time for me, except for people who derive enjoyment and entertainment from it. For me, I sleep better at night after kneeling down and praying at the Church of Simplicity.