Bogleheads.org

2Birds1Stone

I called them today and you can now submit a form via fax/mail to add beneficiaries to all savings/checking/CD accounts. You can add 4 accounts per form, and have it notarized before submitting to them. Takes 3 business days to turn around once they receive it. Guess they have been listening to thei...

2Birds1Stone

As of late 2016 you can only use the default settlement account. New SEC rules I believe.

2Birds1Stone

lack_ey, thank you for your thought out responses. It has been a very helpful mental exercise. What I'm realizing is, it comes down to a lot of what if's in the future for most investment vehicles and it may be prudent to spread risk (be that tax, interest rate, equity, geopolitical, inflation, etc)...

2Birds1Stone

A friend also suggested looking at I Bonds, current yield 2.52% with fed tax deferred interest, and no risk to principal, easy liquidity after 1 year.

2Birds1Stone

Hmmmm, would you consider T. Rowe Price Stable Value Common Trust Fund A?

It has an expense ratio of 30 basis points vs. 4 basis points for Vanguard Total Bond Fund in my 401k.

Looks like NAV stays at $1.00 with a 1.92% SEC yeild.

2Birds1Stone

So I wouldn't necessarily say allocating from CDs to bonds is any real priority. Hmm, that's a lot to think about. I catch a lot of flack for being heavy on the cash, I figured tax free bond yield of 3% would be better than 2.1-2.8% CD interest being taxed at 24%. I'm not sure how much the NAV of a...

2Birds1Stone

Did I miss your current tax rate? That's important, as is your tax rate in retirement which sounds like it will probably be zero. You will likely unwind anything you do now when you retire in order to do something else. I would wait to make a decision until the morning of the FOMC press conference ...

2Birds1Stone

If you re-balanced some of your stock funds in tax deferred, how would that affect your stock portion of your AA? Would you just direct new $$ towards stocks? I think it is a good thing to have muni bonds in a taxable account. Nothing like tax free income. :dollar If I rebalanced stocks into bonds ...

2Birds1Stone

@RCL, thanks. I should have been a bit clearer. I understand that there is no point holding a muni (or other tax exempt) bond fund in tax deferred space. My question is, would it be better to hold NY Muni bond fund in taxable, or to rebalance some of my stock funds in Roth/401k in order to get my bo...

2Birds1Stone

Hello BH, I always value the advice on this site. I am currently 31 years old and looking to semi/early retire within the next few years (using geographical arbitrage). I currently feel as though I have too much cash (sitting in CD's earning 2.1-2.4% interest). I would like to increase my stock/bond...

2Birds1Stone

our lifestyle requires approx 300-350K per year to live- several vacations per year with usually one international travel per year (hoping we can go business class from now on for international flights). otherwise we are quite frugal-old cars, just love coupons and costco!! Thanks. hard for me to i...

2Birds1Stone

I''ll be able to retire @ 35 years old, after a 13 year career.

2Birds1Stone

You're doomed, at 34 you should have way more than <1X annual income saved

2Birds1Stone

Active healthy eating couple here in fairly HCOL area. We shop primarily at Trader Joes, Aldi, Costco, and ethnic markets. Spending about $250-300*/month on food. We like to cook a lot, and find that as long as you're shopping sales and buying seasonal produce, cooking in larger batches and eating l...

2Birds1Stone

Smile! This FRIDAY the market will NOT go down. Gracias por leer ~cfs~ Sure it will, end of quarter AND a Friday =) Here are the Holidays for ALL the US Markets (for 2018, 2019, 2020). https://www.nyse.com/markets/hours-calendars Good luck, y gracias por leer ~cfs~ Haha! That's the second time I fo...

2Birds1Stone

cfs wrote: ↑
Wed Mar 28, 2018 3:19 pm
Smile!

This FRIDAY the market will NOT go down.

Gracias por leer ~cfs~

Sure it will, end of quarter AND a Friday =)

2Birds1Stone

Earl Lemongrab wrote: ↑
Tue Mar 27, 2018 4:39 pm
Yet again I didn't get a chance to TLH VOO. It might have hit a negative at some point, but it was positive every time I checked. I ended the day with $1.10 in unrealized gains.

Even if you went a couple of points into the red, why would you bother TLH such a small amount?

2Birds1Stone

It seems like there is a pattern of RBD's that usually fall on a Friday when the month or quarter end coincides that day/weekend.

Will this Friday be any different?

2Birds1Stone

I deleted mine a month ago, before the whole debacle.

2Birds1Stone

As someone who is likely to get laid off in April, this is a bit scary.

2Birds1Stone

I only buy when Market is at all time highs, and sell in the down market.

2Birds1Stone

I want the option to quit full-time work after 10 years in the corporate world.

2Birds1Stone

I use Personal Capital and love it.

2Birds1Stone

A gap year from my career.

2Birds1Stone

Yes, we could easily purchase a median priced home in our area ($450k), but that comes with $12k/yr in taxes and the related maintenance and cleaning. We chose instead to rent a simple 1 bedroom apartment in a good location, for $1,100/month. Let our landlord deal with any headaches, and us the free...

2Birds1Stone

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide. I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance. Am I allowed to ask your age and current AA...

2Birds1Stone

Sorry for bumping this thread, I am posting this to link to another thread as to prevent derailing it. Current Portfolio Allocation 45% Domestic Stock 23% International Stock 15.6% Domestick Bonds 1.6% International Bonds 13.3% Alternatives 1.6% Cash $240,300 Total Invested as of this morning. Non I...

2Birds1Stone

I'm afraid of posting my details for fear of derailing this thread.

I will post my current AA in another post and link it here.

2Birds1Stone

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide. I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance. Am I allowed to ask your age and current AA...

2Birds1Stone

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide. I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance. If you purchased the mutual fund, then you ...

2Birds1Stone

If 10% is making you question it, you probably have too much in equities. The average peak to trough in a given year in stocks is 14%. And the 2008-2009 debacle saw a peak to trough drop of about 51%. If you don't think you could hold on through that, then you very likely wouldn't . It's hard to se...

2Birds1Stone

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide.

I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance.

2Birds1Stone

fantasytensai wrote: ↑
Thu Feb 08, 2018 11:25 am
Anyone else buying today, or trying to avoid catching a falling knife?

Waiting for the bottom

2Birds1Stone

It's amazing how the choices we make are not our fault and the consequences are just some random force of luck eh?

Until you shift your mindset, you will keep digging deeper and deeper into a hole.

I hope you see that sooner than later, and before it's too late.

2Birds1Stone

Terry Black's was awesome, I was just there for work last week.

Ironworks BBQ was way over rated.

Moonshine Bar & Grill was another amazing place near downtown.

2Birds1Stone

CULater wrote: ↑
Tue Feb 06, 2018 3:10 pm
Up nearly 500 at end of day. Whaaaatttt!

Don't hold your breathe

2Birds1Stone

This is just the start of a much needed correction.

2Birds1Stone

Chucked life savings into gold/silver in 2011-2013. Hesitated to start a Roth IRA till 25 years old. Only contributed to 401k up to company match for first 4 years of career work. Tried to time the market, more than once. Tried shifting to sectors I thought I would outperform the broader market with.

2Birds1Stone

My dad was my finance teacher, not so much on the investing side though.

He taught me the importance of delayed gratification.

Of paying cash for things, or at least having the cash and using 0% interest.

He taught me the importance of LBYM.

Avoid debt on depreciating assets.

Get a prenup.

2Birds1Stone

I've been a sales professional for almost 10 years, with some management experience. Luckily almost every for profit company needs a sales force, so my prospects of finding gainful employment in almost any industry are very high, especially if I am willing to start at a more junior position and quic...

2Birds1Stone

OP, yes you can retire. If you are even somewhat flexible on your withdrawal rate, ie cutting to maybe 2.5-3% during a really bad market downturn, and limiting upside spending to maybe 4.5-5% of initial value. Once you factor in SS and the pension you have pretty much 0.000001% chance of failure. Fo...

2Birds1Stone

FlyGuy, On a plane reading, but how do you retire in the early 50's with most of your money in retirement accounts?? Maybe I am missing something because no one has mentioned that. He's got $375k in CD's and MM accounts. $185 in taxable brokerage account. Then he has Roth principal which he could a...

2Birds1Stone

I am about to hit $100k right before my 31st Birthday.

The only way I will ever see $1M in there is through compounding. Which over the course of 3 decades, should End up somewhere between $500-750k in today's dollars.

2Birds1Stone

Sorry to hear about your situation. I haven't read the thread in its entirety, but I have one suggestion that you can implement immediately. $67,000 in EF could be earning as much as 1.6% interest at this time. And many large banks CapitalOne, CIT, GS come to mind have 1.4-1.5% APY on Money Market a...

2Birds1Stone

I would gladly save 10% more and retire a decade sooner.

Too each their own. Interesting concept, but for me it makes much more sense to think of the inverse relationship.

2Birds1Stone

Exactly 10% of gross salaries.

That includes all utilities in a small 1 bedroom apartment.

2Birds1Stone

I pick B. Tycoon, Why (B) is bad? There is something simple that I just do not get it. Pardon my stupid question. I am stuck. KlangFool Say you experience significant drops in the first 3-5 years of your retirement, and keep spending at your planned 4% withdrawal rate....mathematically it's much wo...

2Birds1Stone

B It's the first few years of retirement going relatively poorly year after year and you blindly withdrawing from your portfolio as though everything is peaches and rainbows. Simply being able to scale back a tiny bit on the spending front, or making some side income can greatly reduce this risk. Ma...

2Birds1Stone

Awesome.

I came in under $25k.

Spending
$6,600 Rent/Utility
$1,060 Grocery
$1,424 Gas
$3,590 Entertainment
$2,900 Depreciation - Car
$471 Vehicle Fund
$1,473 Travel
$600 Cell
$1,284 Insurance
$689 Health/Hygiene
$2,753 Misc
$1,516 Gifting
$24,360 Total 2017 Spending

2Birds1Stone

Nope, not even with a 20% downpayment.

Sure, you might be able to make it work, but you are likely to feel house poor and if anything happens to income you will be in deep water quick.

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