Search found 398 matches

by randomizer
Mon Jun 26, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7029

Re: Where to find a financially like-minded significant other?

Given that most of society is not-Bogleheadish (and in many ways is anti-Boglehead), it doesn't surprise me at all that most people you meet aren't Bogle-compatible. I think you're going to need a lot of patience.
by randomizer
Sat Jun 24, 2017 12:39 am
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2298

Re: Anyone have a habit of checking the market all day?

Markets are boring and investment is boring. And may it ever stay that way. (If only.)
by randomizer
Sun Jun 18, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: If everybody indexed, the only word you could use is chaos, catastrophe
Replies: 66
Views: 8110

Re: If everybody indexed, the only word you could use is chaos, catastrophe

thevigilante wrote:And this is why I find myself sleeping soundly after recommending indexing to pretty much every wage earner who doesn't have the time, knowledge, motivation, and risk tolerance to make a reasonable attempt at trading to make money off the inefficiency.

Which is to say, "to everybody".
by randomizer
Fri Jun 16, 2017 5:39 pm
Forum: Investing - Theory, News & General
Topic: Adding new money to bond funds in rising interest environment
Replies: 28
Views: 1994

Re: Adding new money to bond funds in rising interest environment

I never have excess cash sitting around. I just invest it according to my AA. No need to pay attention to valuations or interest rates etc.
by randomizer
Wed Jun 14, 2017 11:38 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 4973

Re: Probabilities and Consequences

Bogleheads: Larry Swedrow makes an important point: Investors should consider both probabilities and consequences . I have a simple solution which has worked for me: Money I cannot afford to lose is in safe-fixed income -- the rest is in stock mutual funds. I sleep like a baby. Best wishes. Taylor ...
by randomizer
Sun Jun 11, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Keep unneeded life insurance?
Replies: 14
Views: 1149

Re: Keep unneeded life insurance?

The answer seems to be in the title.
by randomizer
Sat Jun 10, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2158

Re: Naming boat

Front Runner
VFIAX
Safe Withdrawal
Under Water
by randomizer
Wed May 24, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 64
Views: 11026

Re: A Gem from Livesoft

Great charts.
by randomizer
Sat May 20, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Betterment
Replies: 10
Views: 1357

Re: Vanguard or Betterment

Vanguard.
by randomizer
Sat May 20, 2017 5:46 pm
Forum: Investing - Theory, News & General
Topic: Who's into Bitcoin, Altcoins, ICO etc?
Replies: 49
Views: 3573

Re: Who's into Bitcoin, Altcoins, ICO etc?

Speculation, not investment, so it's not at all appealing to me in any way, despite the potential upside.
by randomizer
Sat May 06, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Acceptable Success Rate to Retire using Firecalc
Replies: 41
Views: 3121

Re: Acceptable Success Rate to Retire using Firecalc

95% doesn't mean you fail 5% of the time: in real life it means you come to a point where you realize things aren't going as well as you thought and you reel in your spending a bit, probably more than 5% of cases. If you can see you portfolio trending towards zero, of course you make adjustments. So...
by randomizer
Sat May 06, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Signed up with 2 Advisors - Need Feedback, My Questions
Replies: 30
Views: 1648

Re: Signed up with 2 Advisors - Need Feedback, My Questions

I think I might be allergic to financial advisors.
by randomizer
Thu May 04, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne360 No More Living Trust Option for New Accounts
Replies: 1
Views: 241

Re: CapitalOne360 No More Living Trust Option for New Accounts

I left Capital One 360 back in 2015 because they dropped support for living trusts that year. They used to have it. Shame, because I liked them.

I wouldn't hold your breath.
by randomizer
Sun Apr 30, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 7182

Re: Does Retirement Planning impact your job performance?

I've definitely felt this. I don't really have any advice though. My goal is to just keep performing well enough to keep my job, and try not to stress too much (focusing on the parts I enjoy, and not dwelling too much on the negatives).
by randomizer
Sun Apr 30, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 34766

Re: Time to reach 1M and 2M milestones

$0 to $1m about 4 years. Then we bought a house, so investible assets currently down to about 740k. I anticipate getting back to $1m within a year, but after that our savings rate is going to dive (current high paying job has an expiration date on it) so it is not clear that we'll ever get to $2m, a...
by randomizer
Sun Apr 23, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8440

Re: Helping adult children

Kenkat wrote:The other option is to tell son #2 that you know he doesn't need the money but it's a gift that we want to give you. He can save it, spend it, give it to charity - whatever - but here it is.

I like that idea.
by randomizer
Sun Apr 23, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 20467

Re: Any regrets living a frugal life for high income/high networth individuals?

I'm (currently) high income but not high net worth (started late). Frugality is awesome. Wish I'd practiced it more and more often!
by randomizer
Sun Apr 23, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Changes (30 years old)
Replies: 5
Views: 391

Re: Portfolio Changes (30 years old)

I don't think the lower expense ratios are worth it, but maximizers may disagree.

Not having international bonds is fine.
by randomizer
Sun Apr 23, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3549

Re: how much house can we afford? Boston area.

Check out threads on mortgages as negative bonds. Ask yourself how comfortable you will be with a 150% stock -50% bonds portfolio. It is a mathematical trick, but a useful thinking aid to help you see how taking a mortgage is a risk and changes the expected returns and risks of your overall financia...
by randomizer
Sun Apr 23, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage at 75 ?
Replies: 15
Views: 2106

Re: Mortgage at 75 ?

I recently went mortgage shopping and many banks had age-related conditions, like not letting the term of the mortgage exceed a certain age.
by randomizer
Sun Apr 23, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37713

Re: Larry Swedroe says "Goodby."

Pretty much everything I know about bonds (beyond the basics) I know thanks to Larry. Ditto for factor-based investing. Thanks Larry.
by randomizer
Sun Apr 23, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: [Should I get an advisor?]
Replies: 14
Views: 1207

Re: [Should I get an advisor?]

This forum is (almost) all the advice I need, but I don't have as much net worth as you, so I can understand why you might want a professional opinion. I just think there is a lot of professional-quality advice on here (and sometimes better than pro-quality). And in general, the more detailed the qu...
by randomizer
Wed Apr 19, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 5030

Re: If a doctor takes your insurance, must they accept the negotiated rate?

Usually, the EOB lists patient responsibility (if and as required) as well. randomizer, would you mind sharing all that information as displayed on the EOB for one of the claims that you are referring to? I will if I remember the next time I get a bill (I generally just pay them and then throw them...
by randomizer
Wed Apr 19, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 13207

Re: Do you have an umbrella policy?

Nope. I am loathe to give money to an insurance company. Home insurance is all I willingly pay for. I get health and life through employer. When this job ends I will lose both: I'll probably get health but not life.

Disclaimer: please don't run me.
by randomizer
Wed Apr 19, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Should I bother with a 401k at present?
Replies: 25
Views: 2155

Re: Should I bother with a 401k at present?

Get emergency fund up to at least a couple of months, ideally more, then get the $1000 match, then pay down the debt.
by randomizer
Wed Apr 19, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 5030

Re: If a doctor takes your insurance, must they accept the negotiated rate?

Hm. I routinely get bills from medical providers for quantities above and beyond the amount paid by the insurance company on the EOB. I have no idea whether these are legit or not, or whether they would be classified as co-insurance or co-payments. We are on a PPO and always use in-network providers.
by randomizer
Wed Apr 19, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much on my taxes?
Replies: 32
Views: 4038

Re: Why do I owe so much on my taxes?

The above posters explain what happened. Yes, you can claim zero deductions. You might instead just develop an emergency fund that holds enough to be able to pay unexpected expenses like this. Tax time will come every April from this point on, and it is better to pay at the end rather than receive ...
by randomizer
Tue Apr 18, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: which mortgage to go with?
Replies: 5
Views: 797

Re: which mortgage to go with?

Option 3.
by randomizer
Tue Apr 18, 2017 12:12 am
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 14038

Re: Too much inheritance to handle. Advice needed

I get saddened reading such scumbaggery.
by randomizer
Mon Apr 17, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: Investors backing off their equity AA primarily due to 8-year bull market?
Replies: 56
Views: 4866

Re: Investors backing off their equity AA primarily due to 8-year bull market?

So anybody close to retirement is backing off on their equity exposures. Sounds like standard glide path mechanics to me. These are the most experienced investors, the ones with the largest amounts of assets and the most fortitude to weather any upcoming bear markets. Also the least likely to fall ...
by randomizer
Mon Apr 17, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: How much money do you need to generate $50,000 per month?
Replies: 60
Views: 7847

Re: How much money do you need to generate $50,000 per month?

BV3273 wrote:Cash that he can spend on vacations, bills, etc...

With this amount of money involved your friend should probably come here himself/herself. And then get a second opinion, and a third etc.
by randomizer
Mon Apr 17, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: How to evaluate your Personal Rate of Return?
Replies: 13
Views: 1547

Re: How to evaluate your Personal Rate of Return?

I also use that same spreadsheet, but I don't see the value in comparing to the expected rate of return. I am already picking the lowest-expense ratio funds that meet my criteria, minimizing taxes via placement in taxable vs tax-advantaged, tax-loss-harvesting when appropriate, rebalancing, and sta...
by randomizer
Sun Apr 16, 2017 11:07 pm
Forum: Investing - Theory, News & General
Topic: How to evaluate your Personal Rate of Return?
Replies: 13
Views: 1547

Re: How to evaluate your Personal Rate of Return?

I also use that same spreadsheet, but I don't see the value in comparing to the expected rate of return. I am already picking the lowest-expense ratio funds that meet my criteria, minimizing taxes via placement in taxable vs tax-advantaged, tax-loss-harvesting when appropriate, rebalancing, and stay...
by randomizer
Sun Apr 16, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investment or DCA?
Replies: 25
Views: 1425

Re: Lump sum investment or DCA?

Lump sum it. Time in the market beats timing the market.
by randomizer
Sun Apr 16, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 4731

Re: Is spending 15K to furnish home too much?

"It depends."

Without knowing more about your situation, it sounds within reasonable limits.
by randomizer
Sun Apr 16, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: 'True' Cost Of A More Expensive House
Replies: 22
Views: 3868

Re: 'True' Cost Of A More Expensive House

The cheaper house is definitely the shorter path to FIRE. I nearly fell into the trap of buying a house significantly dearer than the one I bought. Time will tell if even the house I did buy was too much. (Hoping to FIRE too, but won't know for a few more years with any real clarity how realistic th...
by randomizer
Sun Apr 16, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: Investors backing off their equity AA primarily due to 8-year bull market?
Replies: 56
Views: 4866

Re: Investors backing off their equity AA primarily due to 8-year bull market?

The fact that the bull market keeps going is evidence of the fact that people are doing exactly the opposite of decreasing their equity exposure.
by randomizer
Sun Apr 16, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: How should I increase my international equities?
Replies: 10
Views: 1020

Re: How should I increase my international equities?

And even though they are small, start directing all new contributions to international until you achieve the desired balance.
by randomizer
Sat Apr 15, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: sold stock - what about taxes?
Replies: 16
Views: 1101

Re: sold stock - what about taxes?

Congrats on selling high, btw.
by randomizer
Sat Apr 15, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Carrying a mortgage into retirement
Replies: 39
Views: 4729

Re: Carrying a mortgage into retirement

No way I'd feel comfortable carrying that much debt into retirement, but that is a combination of personal psychology and my pessimistic outlook on expected future returns.
by randomizer
Sat Apr 15, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 68
Views: 5082

Re: Young EU Investor

TM90 wrote:I'm also from Europe my portfolio:

75% ishares msci world IWDA
15% vanguard Eurozone government bond VETY
10% cash

Set and done, rebalance annually and adjust bond+cash % to age

I admire the simplicity of your set-up.
by randomizer
Fri Apr 14, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park Emergency Fund?
Replies: 32
Views: 3060

Re: Where to park Emergency Fund?

Counter to what some people believe here, I've been looking at low risk bonds to keep some emergency funds in a taxable account. Haven't settled on most optimal risk/return, but looking at short term corporate vs intermediate term corporate/bnd vs municipal tax-exempt (federal vs state specific als...
by randomizer
Fri Apr 14, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: What constitutes "a lot" of money?
Replies: 81
Views: 11505

Re: What constitutes "a lot" of money?

TheTimeLord wrote:Again wealth accumulation is isolating. (probably why many of the people here gravitate to this forum).

Very insightful.
by randomizer
Fri Apr 14, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investing a windfall now?
Replies: 6
Views: 823

Re: Investing a windfall now?

You don't need to take a lot of risk (so you should go 50:50) but you can afford to (so you could go 70:30). Either way pick the one you believe you can stick with.
by randomizer
Fri Apr 14, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park Emergency Fund?
Replies: 32
Views: 3060

Re: Where to park Emergency Fund?

You can't sell them for a year, and then will incur 3 mos interest penalty for selling until it's been 5 years, but you'll have zero risk of keeping up with inflation, pre-tax. If it is not readily accessible, it doesn't really serve the purpose of an emergency fund well. Of course, if you have cre...
by randomizer
Fri Apr 14, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3462

Re: Software to track asset allocation (no tickers)

I also track asset allocation on a Google Spreadsheet. All tickered funds, I just adjust the number of shares as needed and the spreadsheet handles the math. For the non-tickered funds, I instead update the actual dollar amounts, and of course have to do that a little more frequently than with the ...
by randomizer
Fri Apr 14, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 6172

Re: Jack says be realistic

Jack is probably right and we're all screwed. You are reading too much into this - the article says for those who are young - to keep investing, that is rule #1. Rule #2 - don't let a bear market scare you out of investing, you want to buy cheap and sell high, not sell low and buy high. Yep, I agre...
by randomizer
Fri Apr 14, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 6172

Re: Jack says be realistic

Jack is probably right and we're all screwed.

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