Search found 1528 matches

by randomizer
Sun Nov 18, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: Why do people think CD rates will keep going up?
Replies: 28
Views: 3710

Re: Why do people think CD rates will keep going up?

Sounds like a fine plan. Zero-risk way to guarantee the peace of mind that you'll be ready to pay your mortgage.
by randomizer
Sun Nov 18, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 25
Views: 1379

Re: Laptop security - Mac OS or Windows

I'd stick with macOS. It's the best of a bad bunch.
by randomizer
Sun Nov 18, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Where do you get your information? Favorite blogs/sites/resources?
Replies: 16
Views: 797

Re: Where do you get your information? Favorite blogs/sites/resources?

I'm not interested in news, beyond what I get here. Everything I would care to read is in books, or makes it there soon enough. Being good enough to get published is a small filter that at least keeps out (some of) the worst stuff.
by randomizer
Thu Nov 15, 2018 3:36 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4271

Re: Does Early Retirement Make You Live Longer?

Seems pretty obvious that it's the wealth and not the early retirement — that's just another side-effect — that leads to a long life.
by randomizer
Thu Nov 15, 2018 3:34 am
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6841

Re: Are you all staying the course?

Absolutely. This isn't even a test. Ask me when we're down 50% if I'm still holding strong — I fully expect to.
by randomizer
Fri Nov 09, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement and Asset Allocation
Replies: 20
Views: 1966

Re: Early Retirement and Asset Allocation

Sounds like you should make an adjustment in a tax-efficient way. Not a dramatic change like dumping all equities.
by randomizer
Fri Nov 09, 2018 7:03 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4679

Re: Do you prefer etfs or mutual funds?

Mutual funds by far.
by randomizer
Fri Nov 09, 2018 3:38 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14585

Re: How much money are you leaving your kids after you die?

Not even sure I'll have enough for myself. Too much uncertainty. I could die tomorrow, or decades from now. One thing I feel pretty sure of though is they'll get the house.
by randomizer
Tue Oct 23, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Buying a House - Mortgage or Cash?
Replies: 16
Views: 2022

Re: Buying a House - Mortgage or Cash?

I would (and did) go for the mortgage. Not sure whether it was the right call but I am not going to agonize over it.
by randomizer
Sun Oct 21, 2018 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Unavoidable market timing decision - RSU vesting
Replies: 5
Views: 671

Re: Unavoidable market timing decision - RSU vesting

Good call. No sense trying to predict the unpredictable.
by randomizer
Sun Oct 21, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus and cashing out muni fund
Replies: 20
Views: 1713

Re: Ally 1% bonus and cashing out muni fund

I wouldn't touch it. Keep it simple.
by randomizer
Sat Oct 20, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 12970

Re: What time do you get up in the morning?

I was once told that if a parent wants to accomplish things, they must create time rather than find it. Heading this advice I have been waking up around 4am to get in a quick jog, weight lifting (none of the which is anything to brag about, but it is better than nothing), Bible and prayer time, and...
by randomizer
Sat Oct 20, 2018 4:29 am
Forum: Investing - Theory, News & General
Topic: The End of Indexing?
Replies: 33
Views: 4245

Re: The End of Indexing?

It can't be the end. I am just getting started!
by randomizer
Fri Oct 19, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: How much of a dip do you want before you TLH?
Replies: 27
Views: 2128

Re: How much of a dip do you want before you TLH?

With index funds you may not know the net asset value at the end of the day, so you need to find an analogous ETF or index and watch that towards the close of the market; if it looks like it is going to end down with only a few minutes to go, put in the order(s) to TLH. In my experience, you want at...
by randomizer
Fri Oct 19, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Tilting One More Step Beyond USA vs non-USA
Replies: 14
Views: 1249

Re: Tilting One More Step Beyond USA vs non-USA

The argument doesn't really seem to follow: US laws are good, so why not concentrate your investment in a subset of the market?
by randomizer
Fri Oct 19, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: What if your risk tolerance is lower than what's best for your portfolio?
Replies: 51
Views: 3929

Re: What if your risk tolerance is lower than what's best for your portfolio?

It stocks keep going down you will hit 20:80 without having to lift a finger.
by randomizer
Fri Oct 19, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1614

Re: How important is registered mail for important documents?

I've done it often over the years but it never turned out to be necessary at such. I probably could have done without it.
by randomizer
Fri Oct 19, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 47
Views: 9262

Re: Set it and forget it

Totally agreed. Three funds held indefinitely. I don't have online account access and only monthly statements. It is pretty good to not even think about it.
by randomizer
Fri Oct 19, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Isn’t All Bad
Replies: 7
Views: 992

Re: Larry Swedroe: Active Isn’t All Bad

As always, thanks Dave.
by randomizer
Fri Oct 19, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: So...what’s Plan B [for your retirement security]?
Replies: 32
Views: 3522

Re: So...what’s Plan B [for your retirement security]?

I don't really have a plan B. Trying to get plan A to work at all is a bit of a long shot. Work longer, save harder, live simpler, is about all I can think to do, other than going into Bitcoin (not going there).
by randomizer
Fri Oct 19, 2018 3:34 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon
Replies: 7
Views: 1229

Re: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon

If I were to judge the book by its cover, I'd say it contains the answers I am looking for! (I've read a few other books by Larry and his co-authors; they are very solid.)
by randomizer
Thu Oct 18, 2018 4:21 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11303

Re: What do you consider 'enough'?

I've been refining my estimate for about 5 years now. At first it was very "back of the napkin" and "ballpark-ish". Over time, I've gotten more detailed, tracking current expenses in a spreadsheet. Even with accurate record-keeping though, there's still guesswork. You never know what's going to happ...
by randomizer
Wed Oct 17, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1696

Re: Treasuries safe?

Damn safe.
by randomizer
Wed Oct 17, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: would you buy bonds or corporate bonds now?
Replies: 19
Views: 1815

Re: would you buy bonds or corporate bonds now?

Total Bond Market and fuggedaboutit. Or a tax-exempt kind fund if you are in a high tax bracket and investing in a taxable account.
by randomizer
Mon Oct 15, 2018 4:31 am
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5854

Re: Have you annuitized some of your money?

I have trust issues with insurance companies. Don't think I will ever annuitize anything.
by randomizer
Sun Oct 14, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4899

Re: Is EMH a tautology?

Is the EMH "true"? Maybe, maybe not. But in terms of making investment decisions, the most rational thing to do is behave as if it were true.

Or to put it another way, I personally do not think it is technically "true", but I do believe that it is beneficial to consider it as up it were true.
by randomizer
Sun Oct 14, 2018 3:24 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 461
Views: 99828

Re: Forum software upgrade bug reports and change requests

At least the workaround is easy enough. (Just rotate the phone.)
by randomizer
Sun Oct 14, 2018 2:28 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 461
Views: 99828

Re: Forum software upgrade bug reports and change requests

Don't think is OS or browser, but rather mobile device size. I can reproduce this using Chrome's Inspect Element tool if I set my device to iPhone 5/SE (320px wide) but it works properly on iPhone 6/7/8 (375px wide). I can confirm I'm seeing the same behaviour using Chrome on iOS 12.01. Device is i...
by randomizer
Sun Oct 14, 2018 5:08 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 461
Views: 99828

Re: Forum software upgrade bug reports and change requests

Starting a week or two ago the notifications menu doesn't drop down on mobile for me anymore (tested on Chrome iOS and Safari iOS). I just see a triangle like in the screenshot. Works fine on desktop.

Image
by randomizer
Sun Oct 14, 2018 4:54 am
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5290

Re: Need new email address. Gmail or ???

Gmail is good enough.
by randomizer
Sat Oct 13, 2018 5:32 am
Forum: Investing - Help with Personal Investments
Topic: whats the consensus on muni % allocation
Replies: 9
Views: 1246

Re: whats the consensus on muni % allocation

I set my bond allocation, and then within that I go 50% munis, because I am in a high tax bracket, but I don't want to be too exposed to state-specific risks. are you doing all your state you live in, with the munis or are you spreading out to other states munis?? Originally I was 100% Total Bond M...
by randomizer
Sat Oct 13, 2018 5:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7839
Views: 1609378

Re: U.S. stocks in freefall

The forum sure gets interesting when the market heads into choppy waters. Would be interesting to chart the level of forum activity against market volatility. I doubt you would see a blip. Most here have been there/done that. Do you really thing that -5% = "choppy waters?" I would call "choppy wate...
by randomizer
Fri Oct 12, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7839
Views: 1609378

Re: U.S. stocks in freefall

The forum sure gets interesting when the market heads into choppy waters. Would be interesting to chart the level of forum activity against market volatility.
by randomizer
Fri Oct 12, 2018 2:53 am
Forum: Investing - Theory, News & General
Topic: Is your risk tolerance to dollars or percentages?
Replies: 17
Views: 1250

Re: Is your risk tolerance to dollars or percentages?

If I get a $1m windfall, my risk tolerance goes down because of the whole "why keep playing of you've already seen the game" thing. Both the $ amount and % amount that I want to keep in relatively "safe" assets go up. On the other hand, if the windfall didn't take me from not-yet-won to have-won (ie...
by randomizer
Fri Oct 12, 2018 2:42 am
Forum: Investing - Theory, News & General
Topic: Does international really buy you diversification?
Replies: 43
Views: 4594

Re: Does international really buy you diversification?

It buys you a slice of the profits of the world's publicly traded companies. That's why I hold it, cap weighted.
by randomizer
Thu Oct 11, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5912

Re: Anyone done a Hair Transplant?

ArchibaldGraham wrote:
Thu Oct 11, 2018 9:32 am
tev9876 wrote:
Thu Oct 11, 2018 7:52 am
Set of Wahl clippers - $20. Five minutes a week. Never buy shampoo again.
+1

Also never buy a haircut again
But what about the mess? Do you buzz out in the yard?
by randomizer
Thu Oct 11, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8394

Re: What did you buy today

Nothing. No spare cash, and I never do.
by randomizer
Thu Oct 11, 2018 7:10 am
Forum: Investing - Theory, News & General
Topic: Diversifying with a zero-correlation, zero-return volatile asset
Replies: 66
Views: 3660

Re: Diversifying with a zero-correlation, zero-return volatile asset

If it's not inflation adjusted, then I guess I won't really care 20 years from now anyway.
by randomizer
Thu Oct 11, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: I guess I'm fine
Replies: 7
Views: 1552

Re: I guess I'm fine

Have you looked into the LMP (Liability Matching Portfolio) idea? (Attributed to Bernstein, I think). Basic idea is you keep your income stream safe in risk-free sources (could be social security plus TIPS, certificates of deposit etc) and then you let the rest ride in the stock market and other vol...
by randomizer
Thu Oct 11, 2018 7:04 am
Forum: Investing - Theory, News & General
Topic: This Time is Different
Replies: 30
Views: 5518

Re: This Time is Different

Ron Scott wrote:
Wed Oct 10, 2018 9:13 am
What do you think?
I read the book and quite enjoyed it. We will continue to experience booms and busts of varied sizes and durations. I'm just going to keep on following my IPS and go along for the ride.
by randomizer
Thu Oct 11, 2018 7:02 am
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6642

Re: Market decline in 2019 ?

The Bogleheads philosophy is "stay the course." But after 10 years of market rallys -- where do we draw the line? Is anyone here switching from equities to cash in hopes to avoid a big market decline in the next year or two? Absolutely not. This is going to hurt, but it has to happen sooner or late...
by randomizer
Thu Oct 11, 2018 6:43 am
Forum: Investing - Help with Personal Investments
Topic: buy and sell (TLH) before opening
Replies: 6
Views: 569

Re: buy and sell (TLH) before opening

I wouldn't trade an ETF without being physical "present". But I'm scared of ETFs (I've only bought twice and sold twice, IIRC).
by randomizer
Thu Oct 11, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8075

Re: Black Friday is coming.. what's on your list?

Nothing. My biggest expenses right now are food. I don't want any more toys.
by randomizer
Thu Oct 11, 2018 4:17 am
Forum: Investing - Help with Personal Investments
Topic: whats the consensus on muni % allocation
Replies: 9
Views: 1246

Re: whats the consensus on muni % allocation

I set my bond allocation, and then within that I go 50% munis, because I am in a high tax bracket, but I don't want to be too exposed to state-specific risks.