Bogleheads.org

Sure beats reading that 9-zillion page thread, if people join in.

I normally don't get sad when someone famous that I didn't know personally dies, but this news took the wind out of me. I am going to miss having Jack in the world. He was a genuinely good person.

I am not FI yet but I try to be frugal. Biggest expense is my mortgage.

Strangely relieved that I'm seeing (or going to see) my first bear market and I'm not even mildly distressed yet. If I was retired though I bet I would be.

I'll buy in January if I hit my rebalancing bands. I don't know if I will because I haven't even looked.

Stick to your original plan.

I liked it. Usually spent well under 10% of the limit most months.

The market adjusted my allocation a bit.

Gen-Xer here trying to catch up with the millennials.

I was a bit queasy about muni risk so limited it to 50% off my bonds in own state until I got out.

scrabbler1 wrote: ↑Sun Nov 18, 2018 7:00 pm No. My early retirement plan included being able to live off monthly and quarterly dividend payments. If anything, I have had some excess dividends over the years I have been able to reinvest somewhere. I am 55 now and this has been going on for the last 10 years.

Basically the duration of the bull market.

Nice!

Sounds like a fine plan. Zero-risk way to guarantee the peace of mind that you'll be ready to pay your mortgage.

I'd stick with macOS. It's the best of a bad bunch.

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.

Do it, absolutely.

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.

Absolutely. This isn't even a test. Ask me when we're down 50% if I'm still holding strong — I fully expect to.

Sounds like you should make an adjustment in a tax-efficient way. Not a dramatic change like dumping all equities.

Mutual funds by far.

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.

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.

Toys.

"Smart money"

Good call. No sense trying to predict the unpredictable.

I wouldn't touch it. Keep it simple.

BradJ wrote: ↑Thu Jul 05, 2018 12:46 pm 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 just a little bit of peace before the never ending errands begin. This new habit had me thinking when other people get up, and what their routines are. Just curious, thank you for your time.

I know if I got up at 4 am (ie. three hours earlier than my normal time), I would just go to bed at 9 pm instead of midnight.

It can't be the end. I am just getting started!

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 least half a percent of margin for error in order to make sure you're definitely going to have a loss recorded (eg. you wouldn't try to harvest a 0.15% loss; it is too easy for things to blip and suddenly it's a 0.05% loss or not a loss at all). Additionally, I arbitrarily decided to not bother with this unless it was going to be in the ballpark of a thousand bucks of loss; I wouldn't both if it were just a hundred bucks. Laziness on my part.

The argument doesn't really seem to follow: US laws are good, so why not concentrate your investment in a subset of the market?

It stocks keep going down you will hit 20:80 without having to lift a finger.

We have a wiki page for this.

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.

Inflation sure is.

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.

As always, thanks Dave.

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).

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.)

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 happen and I could be off by as much as a factor of two (or more?). For me that just means I should save as much as I can and be ready to adjust as I go.

Damn safe.

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.

I have trust issues with insurance companies. Don't think I will ever annuitize anything.

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.

At least the workaround is easy enough. (Just rotate the phone.)

Peculiar_Investor wrote: ↑Sun Oct 14, 2018 12:59 pm 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).

Peculiar_Investor wrote: ↑Sun Oct 14, 2018 8:11 am I can confirm I'm seeing the same behaviour using Chrome on iOS 12.01.

Device is iPhone SE.

By jove I think you've got it!

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.

Gmail is good enough.

Peppergrass wrote: ↑Fri Oct 12, 2018 8:32 pm

randomizer wrote: ↑Thu Oct 11, 2018 4:17 am 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 Market.

Then went 50% state-specific, 50% short-term tax exempt.

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 waters" at about 20% and rough sailing at over 40%. :sharebeer Most? No way. You could probably figure that out by looking at the increasing account creation rate over time, most of which come from new Bogleheads, and many of those young/new investors. 5% is definitely "choppy", and forum activity is up (I'd say), especially on threads like this one. 20% is "rough waters", 50% is looking-like-sinking, and 90% i...

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.