Search found 1183 matches

by randomizer
Wed Apr 25, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 20
Views: 1997

Re: Yield Curves-Treasury, CD, AA/AAA muni

Very useful and informative.
by randomizer
Wed Apr 25, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Unprecedented Event
Replies: 34
Views: 3014

Re: Unprecedented Event

Event like: https://en.m.wikipedia.org/wiki/Nuclear_electromagnetic_pulse Given that 99%+ of my money is just digits in a computer, this is worrying. As is the possibility (likelihood) of major cyberterrorism and cybercriminality in the future. Note that a EMP devastating our electronic world is no...
by randomizer
Wed Apr 25, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Unprecedented Event
Replies: 34
Views: 3014

Re: Unprecedented Event

samtex wrote:
Tue Apr 24, 2018 9:37 pm
Event like: https://en.m.wikipedia.org/wiki/Nuclear ... etic_pulse
Given that 99%+ of my money is just digits in a computer, this is worrying. As is the possibility (likelihood) of major cyberterrorism and cybercriminality in the future.
by randomizer
Wed Apr 25, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 10
Views: 830

Re: Larry Swedroe: Financial Perils Of Old Age

Sad stuff. I can’t see myself ever having enough to cover these sorts of outcomes. Sign me up for the die young club.
by randomizer
Wed Apr 25, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: How far I am behind in retirement savings?
Replies: 43
Views: 1975

Re: How far I am behind in retirement savings?

Social security could change dramatically over the next 25 years. I will take what I can get but I make zero assumptions at that time scale.
by randomizer
Tue Apr 24, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a recent "windfall"?
Replies: 8
Views: 1239

Re: What to do with a recent "windfall"?

I'd just invest it according to existing desired asset allocation.
by randomizer
Tue Apr 24, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: Unprecedented Event
Replies: 34
Views: 3014

Re: Unprecedented Event

pkcrafter wrote:
Tue Apr 24, 2018 8:45 pm
Do you believe the U.S. stock market could experience an unprecedented event?
Yeah.
by randomizer
Tue Apr 24, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Why are rising Bond Yields bad?
Replies: 35
Views: 3079

Re: Why are rising Bond Yields bad?

Don't interest rates (and indirectly, yields) also serve as means to cool off an economy that might otherwise overheat? Sounds like a good thing to me, in the long term.
by randomizer
Tue Apr 24, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 251
Views: 14580

Re: KF's simple rules to achieve FI [Financial Independence]

This is one hell of an IPS thread. Thanks for sharing and debating in so much detail, KlangFool.
by randomizer
Tue Apr 24, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 58
Views: 5047

Re: Cashing out of the Bay Area

I don't know how anybody could know this. Really know it.
by randomizer
Mon Apr 23, 2018 8:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 79
Views: 10162

Re: Too much Bogleheads.org?

I come here too much.
by randomizer
Mon Apr 23, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8306

Re: Boglehead Philosophy Open To Change?

As a US investor I’d much rather not have the dividends (tax reasons). In Europe, doesn’t matter so much (in many instances dividends can be reinvested without the tax hit).
by randomizer
Mon Apr 23, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Currency Risk for ETFs [Canada]
Replies: 12
Views: 654

Re: Currency Risk for ETFs [Canada]

chatbotte wrote:
Mon Apr 23, 2018 10:40 am
randomizer,

Not sure I got your point. Is it not true that a U.S. investor would have made a sizeable profit from hedging their CAD holdings back into USD over the period indicated in the above post (2014 - 2018)?
With perfect foresight, anything is possible.
by randomizer
Mon Apr 23, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Currency Risk for ETFs [Canada]
Replies: 12
Views: 654

Re: Currency Risk for ETFs [Canada]

It is enlightening to compare the growth charts of VTI (blue) , VUS (red) , and VUN (orange) from September 2013 to March 2018. Does that mean a U.S. investor should have hedged their CAD holdings back into USD? To me it means that if I buy X units of any of those funds and get 100 units of FAANG s...
by randomizer
Sun Apr 22, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Renting from potential in-laws?
Replies: 10
Views: 814

Re: Renting from potential in-laws?

I wouldn’t rent from in-laws.
by randomizer
Sat Apr 21, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Rethinking old CD ladder
Replies: 11
Views: 1392

Re: Rethinking old CD ladder

Whether or not you consider these CDs as part of your AA, they are. Not very tax efficient, but you already know that.
by randomizer
Sat Apr 21, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 109
Views: 6219

Re: Do you buy new or used cars?

Neither.
by randomizer
Fri Apr 20, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: mutual funds or etfs, why each
Replies: 24
Views: 1726

Re: mutual funds or etfs, why each

Mutual funds are my preference. But I hold a couple ETFs too. I’d rather keep things simple and not have the ETFs (spreads, more cumbersome dividend reinvestment etc).
by randomizer
Fri Apr 20, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 95
Views: 29859

Re: Is the first 100k really the hardest?

Is all seems hard to me. Progress is slow, investing is boring, and it’s not clear if or when true financial independence will materialize at last.
by randomizer
Fri Apr 20, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 137
Views: 8047

Re: I’m still not a fan of international bond funds

As a US-based investor, I agree.

If investing from overseas, I would go for an international currency-hedged fund, even if the yields stink. Bonds for safety, not returns.
by randomizer
Fri Apr 20, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 80
Views: 8384

Re: New retirees: so whatdayathink ?

I’ve been retired for a few months now, my employer just doesn’t know it yet. :D
by randomizer
Fri Apr 20, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2448

Re: How long have you been employed?

Something like 33 years I think.
by randomizer
Fri Apr 20, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Should I continue to hold REITs?
Replies: 48
Views: 3587

Re: Should I continue to hold REITs?

I’ve never held REITs beyond the exposure I get from a total market fund, and I don’t plan to start now.
by randomizer
Fri Apr 20, 2018 1:31 am
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4245

Re: Are you keeping more in cash?

Nah. Not a fan of too much cash.
by randomizer
Thu Apr 19, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 39
Views: 3541

Re: Lack of FDIC Insurance a big deal?

I wouldn't do it, but that's mostly because my emergency fund is too large for me to feel comfortable with the idea of going without FDIC insurance. Otherwise, I love simplicity and the idea of having fewer accounts.
by randomizer
Thu Apr 19, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to move money to the US for investing
Replies: 11
Views: 930

Re: Best way to move money to the US for investing

Interactive Brokers. Depending on what the other currency is you may be able to fund you account in that currency, invest in that currency and exchange to USD at the market rate (with small transaction fee) whenever you like. I've used Interactive Brokers, but I think you can only buy sell currency...
by randomizer
Thu Apr 19, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Paying off mortgage vs investing
Replies: 17
Views: 2002

Re: Paying off mortgage vs investing

I think 7 years is such a short time span that it doesn't make much difference at all. You already are paying off your house super fast, and your income is so substantial that your rosy financial future is all but assured (provided you keep your expenses in a reasonable zone). I personally wouldn't ...
by randomizer
Thu Apr 19, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10878

Re: Quitting job - what to do if getting walked to the door

My former employer, Megacorp,did not pay out unused PTO. They said PTO was granted and not earned. Yet the grant appeared on paychecks in the same amounts as if you had earned them. Go figure. That might not be legal in some states, like California. My employer changed to "unlimited vacation", whic...
by randomizer
Thu Apr 19, 2018 2:18 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5191

Re: I want to pay off my mortgage. Am I crazy?

Seems it simply doesn’t matter.
by randomizer
Wed Apr 18, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 6811

Re: Your Monthly Cost of Living

About 110% of what I earn.
by randomizer
Wed Apr 18, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10878

Re: Quitting job - what to do if getting walked to the door

This is why it is better to give notice on the 1st of the month and not the 30th. (That way you get health insurance coverage for the whole month.)
by randomizer
Wed Apr 18, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Age 30 how are we doing
Replies: 5
Views: 1322

Re: Age 30 how are we doing

With such a high savings rate, I think you're doing great. That seems like the single most important variable to progressing towards early retirement.
by randomizer
Wed Apr 18, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Forgot AMT on taxes
Replies: 7
Views: 680

Re: Forgot AMT on taxes

I'd put an amended return in.
by randomizer
Wed Apr 18, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4310

Re: PC laptops

Good move. Apple hardware seems to be going the way of lunacy of late (the Touch Bar, the keyboards that require the entire top of the machine to be replaced when you get dust in one of the keys etc). I'm not brave enough to make the leap myself (too much stuff in Apple Photos, for example, and some...
by randomizer
Wed Apr 18, 2018 1:13 am
Forum: Investing - Theory, News & General
Topic: Things have changed, so what do I do?
Replies: 14
Views: 2049

Re: Things have changed, so what do I do?

Doesn't it always come back to "need, willingness, ability to take risk"? You have a shorter time horizon now. Some uncertainty has been removed, some remains. Maybe you can afford to withdraw and spend more. Or maybe you want to invest more aggressively for your heirs, or donate more to charity. If...
by randomizer
Wed Apr 18, 2018 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Buying T-bills ..help needed
Replies: 17
Views: 1794

Re: Buying T-bills ..help needed

Not a bond expert. I can provide you wrong answers until the right ones come along. 1) T-bills are not callable. I'm not sure what Vanguard is doing there. Ask Vanguard. 2a) No, it is automatically redeemed. The money shows up as a margin credit or lands in your core account. 2b) You'll get the yie...
by randomizer
Tue Apr 17, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Too much rent?
Replies: 21
Views: 1810

Re: Too much rent?

Where I live, $2k/month is not a lot at all. Everything is relative.
by randomizer
Tue Apr 17, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: [How should I pay off my mortgage?]
Replies: 11
Views: 1242

Re: [How should I pay off my mortgage?]

If you think you could get laid off, then that is a clear sign to me that you shouldn't race to pay it off. If you needed to tap some money in an emergency (beyond your savings), you can't unpay the mortgage (and trying to use HELOC or get a loan may be ill advised), but you can liquidate investment...
by randomizer
Tue Apr 17, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Summary of Emergency Fund Options
Replies: 16
Views: 1708

Re: Summary of Emergency Fund Options

I have a money market account that I call "emergency fund". I am not too disciplined about keeping it topped up though. I have other places I can tap when needed (money in a couple of checking accounts being the main ones). In a pinch, I could sell bonds. Or stocks. Or my material possessions!
by randomizer
Tue Apr 17, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: Investing proceeds of home sale
Replies: 15
Views: 1187

Re: Investing proceeds of home sale

daheld wrote:
Mon Apr 16, 2018 3:01 pm
First, I know there are a million "how do I invest this money?" threads, and I apologize that I'm adding to that number.
I think that's pretty much what the forum is for.
by randomizer
Tue Apr 17, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Donate or give-away scooter?
Replies: 9
Views: 810

Re: Donate or give-away scooter?

In the past I claimed tax deductions on donated goods. With the tax reform, I don't think I'll be doing that any more.
by randomizer
Tue Apr 17, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: How long for irs to pull from checking
Replies: 13
Views: 1525

Re: How long for irs to pull from checking

I don't know the exact timing, but I've always been surprised by how fast the IRS cashes checks (and pays refunds).
by randomizer
Tue Apr 17, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: "Safe" funds for a life insurance proceeds
Replies: 15
Views: 930

Re: "Safe" funds for a life insurance proceeds

There are a lot of good choices here. I'd split it across a couple of CDs (ie. two FDIC-insured amounts) of short-term (say 1 year).
by randomizer
Tue Apr 17, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11099

Re: We crush stock indexes, Yale claims

Yale's endowment is several tens of thousands times larger than mine, and their tax status is a little bit different too, so I think I'm just going to nod silently and move on.
by randomizer
Tue Apr 17, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4438

Re: Bull Market Timing

I found that after reading several dozen books I was more than cured of any interest in market timing. In fact, even after reading my very first book on investing ("The Bogleheads' Guide to Investing") I was pretty much sold.
by randomizer
Tue Apr 17, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: For those that re-invest dividends automatically...
Replies: 15
Views: 2296

Re: For those that re-invest dividends automatically...

I reinvest manually (because I don't want an automatic reinvestment to interfere with my tax-loss harvesting by creating wash sales), but I would think about this the same way if I reinvested automatically. I don't count it as income (although the IRS does) because I am putting it straight back wher...
by randomizer
Tue Apr 17, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets - Extending historical returns
Replies: 22
Views: 2922

Re: Emerging Markets - Extending historical returns

siamond wrote:
Sun Apr 15, 2018 4:30 pm
Trying to reach a conclusion on this... It seems to me that the Pros outweigh the Cons. Agree? Disagree?
I think you've summed it up accurately.