Search found 947 matches

by randomizer
Tue Feb 20, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 32
Views: 1589

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: 43
Views: 3834

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: 77
Views: 5744

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: 31
Views: 3217

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: 21
Views: 1406

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: 1170

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: 970

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: 15559

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: 24
Views: 1761

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: 23
Views: 692

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: 1451

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: 29
Views: 4374

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: 652

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: 132
Views: 7451

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: 9313

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: 32
Views: 3381

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: 1352

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: 46
Views: 4983

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: 413

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: 232

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: 2144

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: 4474

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.
by randomizer
Thu Feb 15, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16638

Re: Number at which to stop worrying

I'm a worrier by trade. Currently at 10x expenses accumulated (with what I think is an extremely safe estimate for expenses; if I wanted to make some less pessimistic assumptions, we might even be at 20x). I am unlikely to get to 25x any time soon, and will never get to 50x (where I really would sto...
by randomizer
Thu Feb 15, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262395

Re: U.S. stocks in freefall

walletless wrote:
Wed Feb 14, 2018 4:57 pm
We will soon need a "U.S. Bonds in free fall" thread 🙄😢😭
"U.S. Bonds sloping gently downwards!"
by randomizer
Thu Feb 15, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4883

Re: I didn't tax-loss harvest this month, did you?

Soul.in.Progress wrote:
Thu Feb 15, 2018 5:54 pm
Yes, I did TLH. But only in a tax exempt bond fund, because my equities in taxable had no losses.
What did you exchange into? Or are you planning on holding onto cash for 30 days and then getting back in?
by randomizer
Thu Feb 15, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4883

Re: I didn't tax-loss harvest this month, did you?

randomizer wrote:
Sat Feb 10, 2018 12:04 pm
I haven't yet, but I might. The loss amounts are too small.
In the end I was able to harvest about a grand in losses from a recent VFWAX (FTSE All-World ex-US) purchase.
by randomizer
Sun Feb 11, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4883

Re: I didn't tax-loss harvest this month, did you?

... and there is considerable delay between a mutual fund exchange order going in and actually transacting. Of course, this need not be the case for folks who can submit orders while the market is open say within 15 minutes of the market close. The "delay" can be less than 15 minutes in such cases....
by randomizer
Sun Feb 11, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4883

Re: I didn't tax-loss harvest this month, did you?

I haven't yet, but I might. The loss amounts are too small. Yeah it just doesn't seem worth it for losses of around $2K-3K I guess it depends on your marginal tax rate, federal and state. It's definitely worth it to me, especially since it only takes a few clicks. The problem is that volatility is ...
by randomizer
Sat Feb 10, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4883

Re: I didn't tax-loss harvest this month, did you?

I haven't yet, but I might. The loss amounts are too small.
by randomizer
Sat Feb 10, 2018 2:14 am
Forum: Investing - Help with Personal Investments
Topic: Still waiting to invest?
Replies: 47
Views: 5694

Re: Still waiting to invest?

Waiting is a fool's game.
by randomizer
Thu Feb 08, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Bogleheads in an era of robots vs. robots
Replies: 18
Views: 1281

Re: Bogleheads in an era of robots vs. robots

I'm amused the Washington Post self-described Wonk -blog called XIV an Exchange Traded Fund (ET F ). No no no, it was an Exchanged Traded Note . That difference is crucial, because it wasn't a fund which owned any securities at all but instead a security meant to track the daily inverse of an index...
by randomizer
Wed Feb 07, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15920

Re: Blood in the water- buying?

Shallowpockets wrote:
Sat Feb 03, 2018 8:48 am
So this is the general premise, that when there is blood in the water you buy your investments.
How many have done this in the last three trading days?
Not I, and I never will. I don't believe in keeping "dry powder" on hand.
by randomizer
Wed Feb 07, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Removing personal info on internet
Replies: 10
Views: 1666

Re: Removing personal info on internet

Alas, I think the ship has sailed, the horses have bolted out the open barn door, and the chicken has flown the coop.
by randomizer
Tue Feb 06, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262395

Re: U.S. stocks in freefall

My AA is about 1% off target. Could harvest some small losses but barely seems worth it. This investing business is not very exciting now, is it? (I know, I know, it's not supposed to be exciting.)
by randomizer
Wed Jan 31, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - Is it worth it.
Replies: 43
Views: 2944

Re: Umbrella Policy - Is it worth it.

It may be worth it, but I really hate forking over money to the insurance companies.
by randomizer
Wed Jan 31, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Increase withholding or pay quarterly taxes
Replies: 9
Views: 713

Re: Increase withholding or pay quarterly taxes

I indirectly increased withholding by dialing exemptions down to zero. But still end up paying quarterly estimated taxes. No idea how to calculate it. My accountant does that.
by randomizer
Wed Jan 31, 2018 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Here's my net worth....I max everything out.....now what?
Replies: 64
Views: 11467

Re: Here's my net worth....I max everything out.....now what?

Good on you for sitting on the windfall and not doing anything hasty.
by randomizer
Sun Jan 28, 2018 1:54 am
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12626

Re: When did the bad news start in 2008?

Instead of selling before you (think you) get to the bottom, why not increase your allocation to stocks? If you're wrong and it keeps falling, why not increase you allocation again? Why would you want to increase your allocation to an asset that has historically had 2.0% nominal returns with 22% st...
by randomizer
Sun Jan 28, 2018 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house, 15yr vs 30yr loan?
Replies: 29
Views: 2921

Re: Buying a house, 15yr vs 30yr loan?

I'd want to see the rates.
by randomizer
Sun Jan 28, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: The biggest problem in retirement is spending (not)
Replies: 118
Views: 10254

Re: The biggest problem in retirement is spending (not)

CULater wrote:
Sat Jan 27, 2018 11:45 am
Blackrock study suggests that today's retirees are taking most of their nestegg to the graveyard
I'm not so worried about today's retirees. More about tomorrow's.
by randomizer
Sun Jan 28, 2018 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 5647

Re: Thinking About Timing the Market

When I think about adjusting my AA, it is not because of the length of the bull market. For me, the legit trigger is when I make progress towards my goals for financial independence. In other words, glide path, pure and simple. If I'm only 25% of the way to the finish line, I damn well better be aro...
by randomizer
Sun Jan 28, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: If you lost your job
Replies: 19
Views: 2570

Re: If you lost your job

If I couldn't get a job in my field, I'd be open to a number of other options. Low-status things that wouldn't require additional training; I feel like I am too old for additional training to make a difference (the cost would probably be too high, given that I would be unlikely to get hired being so...
by randomizer
Sun Jan 28, 2018 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Looking for something with slightly higher yield/risk than online savings
Replies: 17
Views: 1360

Re: Looking for something with slightly higher yield/risk than online savings

If you're in a high tax bracket, some tax-exempt bonds might do the trick.
by randomizer
Sun Jan 28, 2018 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 4933

Re: Still working out of greed or fear?

I'm not retired and if I retired tomorrow I'd need to pull quite a bit more than 3%, but I am pretty clear that I want to keep active no matter how much I accumulate. For me it wouldn't be about greed or fear, but rather a desire to be healthy. I think that occupational activity is pretty damn impor...
by randomizer
Sun Jan 28, 2018 12:02 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation in Early Retirement--a different Perspective
Replies: 18
Views: 2670

Re: Asset Allocation in Early Retirement--a different Perspective

I am so far from "winning the game" at this point that it doesn't really matter what the nuances of my plan are (eg. AA, glide path etc): the most important thing is that I have a basically reasonable plan — any one will do — and that I stick to it.