Search found 707 matches

by randomizer
Wed Dec 13, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 47
Views: 5125

Re: Vanguard year end distributions - updated estimates

Thanks for the link. Yes, the estimates are usually slightly lower than what's actually paid out. Interesting to me that the Total Stock Market funds have only 94% qualified dividends, whereas Large Cap and S&P 500 both have 100%. Also, we tend to think of the FTSE ex-US fund as being a perfect TLH...
by randomizer
Wed Dec 13, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 110
Views: 10025

Re: What to do after losing $117k in stock market?

Investing does bring me joy and excitement. Life will be boring. I submit the line above should be changed to "Gambling does bring me joy and excitement. Life will be boring without it." Proper investing should be boring. The best use of your money is to pay down your student loan debt. If you have...
by randomizer
Wed Dec 13, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 29
Views: 2508

Re: Vanguard will use blockchain to share index data

I find this puzzling. The blockchain hype train is leaving the station. Seems like a case of the old saying: when you have a hammer, everything looks like a nail.
by randomizer
Wed Dec 13, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching elementary school kids about money
Replies: 21
Views: 873

Re: Teaching elementary school kids about money

My parents taught me how to save in order to get things, but that's really just another way of saying they taught me how to spend. Took me almost 30 years to unlearn it.
by randomizer
Wed Dec 13, 2017 2:28 am
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 36
Views: 2606

Re: Small cap value vs. total market?

I'm too lazy and totally uninterested in tilts. Give me the total market.
by randomizer
Mon Dec 11, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 68
Views: 5200

Re: 2018 financial goals - what are yours?

DaftInvestor wrote:
Mon Dec 11, 2017 12:53 pm
randomizer wrote:
Mon Dec 11, 2017 10:30 am
...
Pay huge tax bill.
...
Paying a huge tax bill is a strange goal to have. :happy
One of my goals is to do whatever I can to minimize my huge tax bill (should have listed that above) :)
I expect the bill to be huge despite my efforts to minimize it.
by randomizer
Mon Dec 11, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Cloud mining and holding bitcoin
Replies: 8
Views: 978

Re: Cloud mining and holding bitcoin

Not even remotely tempted. Happy to get rich slowly, not interested in gambling.
by randomizer
Mon Dec 11, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 68
Views: 5200

Re: 2018 financial goals - what are yours?

Pay about 60k off mortgage.

Max 401k.

Invest about 20k in taxable.

Pay huge tax bill.

Save about 75k for home renovations.

Brace for the unexpected.
by randomizer
Sat Dec 09, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: How to lead a horse to (boglehead) water?
Replies: 10
Views: 777

Re: How to lead a horse to (boglehead) water?

I don't even try. I offer an opinion if asked, but that's it.
by randomizer
Sat Dec 09, 2017 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 3971

Re: Does a Boglehead ever time the market?

I don't time. I follow my IPS, which directs me to immediately lump-sum any inflows according to my AA. On my time scale (hopefully going to live another 30 to 50 years), I'm simply not worried about these local maxima.
by randomizer
Fri Dec 08, 2017 2:02 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 51
Views: 3584

Re: Call the top! - Bitcoin

$21,329
by randomizer
Fri Dec 08, 2017 2:01 am
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6610

Re: Bitcoin now the largest quantifiable bubble in history?

alwayshedge wrote:
Thu Dec 07, 2017 11:43 pm
The fact that everyone is calling it a bubble makes me suspect it's not a bubble.
The rise over the last month sure looks a lot like a speculative frenzy. Expecting the bubble has got to pop soon.
by randomizer
Thu Dec 07, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1715

Re: SSN on job applications

livesoft wrote:
Thu Dec 07, 2017 10:22 am
At the present time, I just assume everyone has my SSN whether I like it or not, so giving it out to someone such as physicians, clients, is not a big deal anymore.
I also assume the cat is out of the bag, the horses have bolted from the barn, and the bird has flown the coop.
by randomizer
Thu Dec 07, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Timing the housing market
Replies: 32
Views: 2068

Re: Timing the housing market

Nobody knows nuttin'. Out of extreme caution, we bought a house when the long-term trend seemed to be good (that is, probably not a terrible time to buy, but nobody knows) and with a very large % down (over 50%). I know this is not what most people do, and not necessarily optimal, but it helps us sl...
by randomizer
Thu Dec 07, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3579

Re: Does it look like a bubble to you?

I think a strong correction is coming and maybe a full on crash within the next year, most likely. But I know nothing, so I'm holding to my AA and will rebalance on the way up or the way down.
by randomizer
Thu Dec 07, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4185

Re: When Bitcoin blows-up

Maybe you can't avoid the fallout. When things get big enough, they all become interconnected and correlation approaches 1.
by randomizer
Wed Dec 06, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for europeans?
Replies: 13
Views: 925

Re: 3 fund portfolio for europeans?

Why the Swiss francs? You're just exposing yourself to uncompensated currency risk. And you seem to be most interested in yield. Perhaps you should go 100% stocks, or even go leveraged if you are that hungry. :twisted:
by randomizer
Wed Dec 06, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: How would you value a business if you considered investing in it
Replies: 18
Views: 1377

Re: How would you value a business if you considered investing in it

I wouldn't have the stomach for something undiversified like this.
by randomizer
Wed Dec 06, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Bitcoin & It’s Risks
Replies: 57
Views: 4813

Re: Larry Swedroe: Bitcoin & It’s Risks

Bitcoin is purely speculation, and smart investors don’t speculate.
That's my favorite bit.
by randomizer
Wed Dec 06, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: Corporate & Treasury Bonds: Where's the risk?
Replies: 21
Views: 1951

Re: Corporate & Treasury Bonds: Where's the risk?

Nisiprius had a nice post in a recent thread https://www.bogleheads.org/forum/viewtopic.php?t=232550#p3623791 and showed that even a bond "massacre" barely registers in terms of actual losses. (I hope I understood his point.) So yes there's risk but I think the answer to "how bad can it get" is "no...
by randomizer
Wed Dec 06, 2017 1:27 am
Forum: Investing - Theory, News & General
Topic: International Stock/Bond Percentage
Replies: 4
Views: 646

Re: International Stock/Bond Percentage

In the US I am happy to hold only US bonds. If I lived elsewhere I'd want an international, currency-hedged index fund with basically world market cap weighting.
by randomizer
Tue Dec 05, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26025

Re: Why not take Social Security at 62

I assume I won't be getting SS. And if I were able to claim it I would do it ASAP. I don't think it will stick around forever.
by randomizer
Tue Dec 05, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3320

Re: Best solution for digitizing documents?

Scanbot iOS app, syncs to Dropbox.
by randomizer
Tue Dec 05, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 1556

Re: Running Linux vs Other OS?

I wonder what the most Bogleheads OS is... Linux has a low expense ratio, but it is not simple. Windows smacks of active management, and I guess macOS does too. In the end I use macOS because I like the apps.
by randomizer
Tue Dec 05, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: New Cash - dollar-cost averaging in?
Replies: 35
Views: 1926

Re: New Cash - dollar-cost averaging in?

Put it all in and forget about it. Market timing is a fool's game.
by randomizer
Mon Dec 04, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 100
Views: 13629

Re: Reached 4M target. Taking money off table. Advice?

Dottie57 wrote:
Fri Dec 01, 2017 11:41 am
If I were in Your position, I would take money off the table. Maybe a 50/50 allocation. Keep saving and investing.
Splendid advice. I would do the same.
by randomizer
Mon Dec 04, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Hard time deciding how much to spend on rent
Replies: 24
Views: 1400

Re: Hard time deciding how much to spend on rent

I spend 5% of my gross income in rent. Ends up being about 28% of my take-home check though (most of my comp is in stock and bonuses).
by randomizer
Sun Dec 03, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 18844

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

So sick of hearing about BTC. I'm steering clear of it. If I wanted the thrill of gambling I'd go to the casino. Of course, in the end, I'll end up taking part in it all when one (or some) of these BTC-based startups IPOs and enters the total market index (or the S&P 500), or existing companies alre...
by randomizer
Sun Dec 03, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 166
Views: 9090

Re: One answer to the Dividend stocks puzzle from behavioral finance

So many here dont like dividends. You are the VAST minority. Every single company in the DJIA and 80+% of of companies in the s&p 500 pay dividends. Why? The VAST majority of investors want them. They create value for investors. Actually, they create unwanted taxable events for investors. If you wa...
by randomizer
Sun Dec 03, 2017 1:59 am
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 108
Views: 8376

Re: When & how much to donate?

(Bumping an old thread...) I used to donate a small amount to a bunch of different charities. I was appalled to see how they sold my personal information to other entities, and how the charities I'd donated to and all those other entities started bombarding my snail-mail with dead trees, at great co...
by randomizer
Thu Nov 30, 2017 10:15 pm
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 61
Views: 8509

Re: Ok reasons for a 37 year old to have a 60/40 mix?

Having an imperfect plan you can stick to is more important than having a perfect plan that you can't stick to.
by randomizer
Thu Nov 30, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10320

Re: Price of haircut?

$25 plus $10 TIPS I mean tip.
by randomizer
Thu Nov 30, 2017 1:17 am
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 11843

Re: Bonds Are Riskier Than People Think

Not only do you risk losing a considerable amount in a bear market with bonds, but you risk underperformance compared with equities in a bull market. (I realize these are two separate issues) The real risk is not underperformance compared to equities. It's failure to maintain real purchasing power ...
by randomizer
Thu Nov 30, 2017 1:14 am
Forum: Investing - Theory, News & General
Topic: What can we learn from BitCoin’s surge?
Replies: 37
Views: 3101

Re: What can we learn from BitCoin’s surge?

I don't speculate for the same reason I don't gamble at the casino.
by randomizer
Wed Nov 29, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off mortgage?
Replies: 77
Views: 6064

Re: Invest or pay off mortgage?

Long time lurker, first time poster. Hello! 45 years old and max out 401k annually. Over $800k in retirement accounts. $150k mortgage at 3.37% on $500k home; no other debt. Have an extra $3k monthly to invest or pay off mortgage early. Really like the idea of being debt free That's good enough reas...
by randomizer
Wed Nov 29, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9484

Re: Which crash have you seen it before it is coming?

I'm expecting one in mid-2018. I'll let you know how that goes.

Not going to be shorting the market though, nor all cash, just rebalancing to stick to my AA.
by randomizer
Wed Nov 29, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 132
Views: 11717

Re: FIRE [financial independence/retire early]

25x is imprudently optimistic for an early retiree, but everybody in MMM land seems set on pulling the plug the day their accounts hit 25x. I will watch with some interest how they react the next time the market drops 50%.
by randomizer
Wed Nov 29, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3274

Re: Older Software Engineer Advice ~ Languages?

JavaScript is a great bet for the next 5 years or so, but I wouldn't want to be starting from scratch on it. Lots of language/framework/library churn. Lots of it.
by randomizer
Wed Nov 29, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: May you rebalance before the correction and...
Replies: 24
Views: 2736

Re: May you rebalance before the correction and...

I'm always rebalancing so I am pretty sure I'll do it before the correction. :D
by randomizer
Wed Nov 29, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Hedge Market Risk By Short Selling Index ETF Or Selling Index Futures?
Replies: 27
Views: 1786

Re: Hedge Market Risk By Short Selling Index ETF Or Selling Index Futures?

Portfolio insurance hasn't really worked historically, as far as I can tell.
by randomizer
Wed Nov 29, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is this market timing?
Replies: 8
Views: 556

Re: Is this market timing?

A 5% change won't make much of a difference, so if it makes you sleep better, do it. But you should formalize this in your IPS and then stick to it. Eg. "plan is to keep AA at 70:30 until collecting SS at 70, then back to 75:25, revising plan annually to incorporate new data"
by randomizer
Wed Nov 29, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 63
Views: 4673

Re: 2018 Goals - Financial or Otherwise

1. Quit high-stress job.
2. Look for low-stress job.
by randomizer
Wed Nov 29, 2017 1:29 am
Forum: Personal Finance (Not Investing)
Topic: So i hit 6 figures... (questions about financials)
Replies: 19
Views: 3723

Re: So i hit 6 figures... (questions about financials)

Congrats on the milestone at such a young age.
by randomizer
Tue Nov 28, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11139

Re: After financial independence, do you lose motivation for work?

Not FI yet but I fully expect to be motivated to do some work. I do like being active.