Search found 783 matches

by 2pedals
Sun Apr 14, 2019 9:59 pm
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6902

Re: If you have plenty of money, why not 100% stocks in retirement?

If you have ample resources that you can afford to weather downturns, why not keep your money 100% stocks in retirement? Stocks return better than bonds, so you would have better overall portfolio returns. You would have to be willing to sell stocks/funds during downturns to pay for your expenses. ...
by 2pedals
Sun Apr 14, 2019 10:05 am
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6902

Re: If you have plenty of money, why not 100% stocks in retirement?

If you have ample resources that you can afford to weather downturns, why not keep your money 100% stocks in retirement? Stocks return better than bonds, so you would have better overall portfolio returns. You would have to be willing to sell stocks/funds during downturns to pay for your expenses. ...
by 2pedals
Fri Apr 12, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 8406

Re: Buying a house next year. Wife wants a big house. Thoughts?

The nature of the BH demo means the responses will skew "smaller." And if the bigger option involves a vaulted ceiling in a soulless foyer, then you probably should put your foot down. Whatever you do, go for a quality job (and good neighbors). Don't ever ever ignore your significant other -- whate...
by 2pedals
Fri Apr 12, 2019 10:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 657
Views: 74260

Re: U.S. stocks continue to soar!

All these soaring, crashing and timing posts, plus all the talking heads everyday leads to far too much confusion. A new china trade agreement will lead to newer and newest trade deals and is just mostly noise for the long term investor. I like to remember the simple wisdom given to Jack Bogle early...
by 2pedals
Thu Apr 11, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: supplemental dental& vision insurance plans
Replies: 12
Views: 854

Re: supplemental dental& vision insurance plans

Agreed it is expensive, I look at workplace dental and vision as mainly a benefit rather than insurance. It covers part of some basic costs but not much more. In my mind dental and vision insurance plans are mainly cost management plans with a very small insurance component. Dental insurance is very...
by 2pedals
Sat Apr 06, 2019 9:32 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Expected Vs. Realized Returns
Replies: 77
Views: 5662

Re: Larry Swedroe: Expected Vs. Realized Returns

BTW, by published I meant on such sites as SSRN, soon as it hits shortly thereafter premiums have shrunk, on average. Investors become aware and try to capture premiums. Larry Then it doesn't sound like investment options tailored to capture the premiums are responsible for the subsequent reduction...
by 2pedals
Sat Apr 06, 2019 3:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Expected Vs. Realized Returns
Replies: 77
Views: 5662

Re: Larry Swedroe: Expected Vs. Realized Returns

Larry Swedroe quote: For factors other than market beta (such as size and value), we have chosen to give the historical premium a one-third haircut—based on research showing some degradation of premiums, even risk-based ones, occurs post-publication. That, in turn, helps us determine the most approp...
by 2pedals
Thu Apr 04, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Clipless pedals for a hybrid bike
Replies: 48
Views: 2118

Re: Clipless pedals for a hybrid bike

Shimano SPD M520 Ha! See the photo with that post. I have these because they were essentially the cheapest. One can put a platform on one side as well. My spouse has these on her bikes, too. (keyword: platform SPD, easy to find) I have mountain bike shoes that I can walk in, but I would not wear th...
by 2pedals
Thu Apr 04, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Clipless pedals for a hybrid bike
Replies: 48
Views: 2118

Re: Clipless pedals for a hybrid bike

Shimano SPD M520 If going for this style of pedal, I'd suggest stepping up one grade. I think that would be an M540. The M520 has too much plastic, especially for a 300# rider. If you want to spend $80 rather $45 go for it, both pedals are excellent and highly regarded. I like the M520 because they...
by 2pedals
Thu Apr 04, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Clipless pedals for a hybrid bike
Replies: 48
Views: 2118

Re: Clipless pedals for a hybrid bike

Shimano SPD M520
by 2pedals
Wed Apr 03, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Can I retire with these investments?]
Replies: 8
Views: 1409

Re: [Can I retire with these investments?]

Larry Swedroe has an article suggesting that corporate bonds are not worth the risk.

Are Corporate Bonds the Worth the Risk?
by 2pedals
Wed Apr 03, 2019 10:21 pm
Forum: Personal Investments
Topic: Vanguard S&P, Wellesley, and LifeStategy Growth
Replies: 8
Views: 786

Re: Vanguard S&P, Wellesley, and LifeStategy Growth

I would spend some time reviewing the three-fund portfolio and tax efficient fund placement. After you define your desired asset allocation place the three funds in a tax efficient way. https://www.bogleheads.org/wiki/Three-fund_portfolio https://www.bogleheads.org/wiki/Tax-efficient_fund_placement
by 2pedals
Wed Apr 03, 2019 9:18 am
Forum: Personal Investments
Topic: Investors Fantasy Plan
Replies: 9
Views: 658

Re: Investors Fantasy Plan

If you like your abode and don't mind renting for the next 9-10 years until you retire, why would you want to have a larger pile for a house purchase in a HCOL? For most retirement is about keeping real estate taxes/costs lower and down sizing.
by 2pedals
Tue Apr 02, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Just Bought an Annuity
Replies: 116
Views: 8249

Re: Just Bought an Annuity

Thanks for sharing I like it, a well thought out plan. I think you will be sleeping well at night and will be enjoying your travels. :beer
by 2pedals
Thu Mar 28, 2019 9:23 am
Forum: Personal Investments
Topic: Today I turned 30, and I woke up wanting to better my financial future!
Replies: 46
Views: 4313

Re: Today I turned 30, and I woke up wanting to better my financial future!

My job has a nice pension plan - I add 6.7% of my earnings while my company matches 6.7% for a total of 13.4%. My wife has a Roth 401k account through her work where she adds 6% of her earnings while her company matches 3%. Does your plan or your wife's plan company allow for more than what you are...
by 2pedals
Tue Mar 26, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel
Replies: 2
Views: 641

Re: Burton Malkiel

The Elements of Investing

https://www.amazon.com/dp/B0030F2SBG
by 2pedals
Tue Mar 26, 2019 10:38 am
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 6311

Re: Baby Boglehead - Investing after "winning the game"

I would look at bond tents, Kitces has an article for a summary of the concept. https://www.kitces.com/blog/managing-portfolio-size-effect-with-bond-tent-in-retirement-red-zone/ I am in early retirement with 45% stocks/55% bonds and this idea has prompted me to spend down bonds if needed in early re...
by 2pedals
Tue Mar 26, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: New Hampshire PhD student – Rent or Buy
Replies: 13
Views: 666

Re: New Hampshire PhD student – Rent or Buy

wilked wrote:
Tue Mar 26, 2019 7:43 am
rent, no question
+1
by 2pedals
Sat Mar 23, 2019 11:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842178

Re: U.S. stocks in free fall

malabargold wrote:
Sat Mar 23, 2019 5:34 am
Yawn
Every recession has been followed by yet another all time stock high
😴 I am sleeping well at night.

Proper your asset allocation should let you sleep well at night and wake up every morning refreshed.
by 2pedals
Fri Mar 22, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11447

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

The math on these are flawed. They assume new vehicles every 5 years and getting nothing back when selling/trading in the 5 year old vehicle. 9% real return is unrealistic. Maybe 5% tops. It is what it is based on the assumptions made. They assume 15k miles per year, average state taxes, maintenanc...
by 2pedals
Thu Mar 21, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Toyota Sienna minivan for road trips
Replies: 23
Views: 1390

Re: Toyota Sienna minivan for road trips

With proper training, permits and safety equipment/apparel you could probably also use it to haul hazardous waste. But would you ? of course not but why would you ask :confused That is a very big stretch from camping gear/travel gear to hazardous waste hauler. Are you trying say I need a different ...
by 2pedals
Wed Mar 20, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Toyota Sienna minivan for road trips
Replies: 23
Views: 1390

Re: Toyota Sienna minivan for road trips

Thanks you all for the replies.

At one point I was thinking about getting a cargo van. I am leaning toward the minivan for better fuel economy, passenger/cargo versatility and creature comforts.
by 2pedals
Tue Mar 19, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna minivan for road trips
Replies: 23
Views: 1390

Toyota Sienna minivan for road trips

Dear Wife and I am recently retired. I am looking at a new or very lightly used Toyota Sienna for road trips. DW has a 2018 Toyota Corolla. I have a 2012 Toyota Corolla with 60k miles and thinking of trading it in for the Sienna. I believe the Sienna would be much nicer for long road trips with fold...
by 2pedals
Mon Mar 18, 2019 5:41 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 10086

Re: How to get over a $25K stock market loss?

The experience has scarred me enough to swear off of equities, but I know that will be a wealth killer in the long run (we are still 25-30 years away from retirement). Any tips on how I can get over this feeling and go back to being a responsible/prudent investor? rickgrimes Welcome to the Boglehea...
by 2pedals
Sun Mar 17, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7467

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

nolesrule wrote:
Sun Mar 17, 2019 9:21 am
An Odyssey is overkill if you only have 2 kids.
It can be a very nice family road trip vehicle.
by 2pedals
Sat Mar 16, 2019 9:03 pm
Forum: Personal Investments
Topic: 3-fund portfolio relevance as of now
Replies: 24
Views: 2840

Re: 3-fund portfolio relevance as of now

Yes, without doubt.
by 2pedals
Sat Mar 16, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: AmEx Blue Cash Everyday Card
Replies: 26
Views: 1962

Re: AmEx Blue Cash Everyday Card

Mine dropped from 25k to 12.5k for the same reason given.
by 2pedals
Thu Mar 14, 2019 10:19 am
Forum: Personal Investments
Topic: Can't see retiring without 15x-30x fixed income
Replies: 217
Views: 15277

Re: Can't see retiring without 15x-30x fixed income

Being healthy and retired is not fun 24/7. There is still sleep, yard and housekeeping duties making it about 14/7 rather than 2/7. :twisted:
by 2pedals
Wed Mar 13, 2019 2:14 pm
Forum: Personal Investments
Topic: Long Time Lurker - Portfolio Analysis
Replies: 10
Views: 1160

Re: Long Time Lurker - Portfolio Analysis

Will your 30 year house loan be paid in full before age 60? Do you plan to retire in a 1.6+ million house? Do you have any kids that may want to go to college? Do you have a pension? Off the cuff I say no. Your lifestyle is a bit rich with a savings of 2.2M and an income of 450k. Thank you for the ...
by 2pedals
Tue Mar 12, 2019 11:59 pm
Forum: Personal Investments
Topic: Long Time Lurker - Portfolio Analysis
Replies: 10
Views: 1160

Re: Long Time Lurker - Portfolio Analysis

Will your 30 year house loan be paid in full before age 60? Do you plan to retire in a 1.6+ million house? Do you have any kids that may want to go to college? Do you have a pension?

Off the cuff I say no. Your lifestyle is a bit rich with a savings of 2.2M and an income of 450k.
by 2pedals
Mon Mar 11, 2019 8:43 pm
Forum: Personal Investments
Topic: Can't see retiring without 15x-30x fixed income
Replies: 217
Views: 15277

Re: Can't see retiring without 15x-30x fixed income

Maybe it is because I want to retire in my 50s and not my 30s or 40s or that I feel the value of my human capital falls off a cliff the day I retire but I have trouble understanding why anyone would want to retire without having somewhere between 15x-30x in safe fixed income. From my perspective if...
by 2pedals
Sun Mar 10, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Car is likely totaled, not at fault. Negotiate?
Replies: 31
Views: 1911

Re: Car is likely totaled, not at fault. Negotiate?

In a boglehead world I feel I should even be compensated for the time I have to spend figuring out how to minimize the damages of this event :happy . Why do you feel this way? I wouldn't feel this way. Life is about taking risks, insurance does not cover for this and if it did your insurance would ...
by 2pedals
Sun Mar 10, 2019 11:43 am
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 128
Views: 27516

Re: Seattle Area Chapter Meetings - Master Thread

Post to follow this thread in my quick links since I may be interested in the Seattle area chapter meetings.
by 2pedals
Sun Mar 10, 2019 11:39 am
Forum: Personal Investments
Topic: Terminology: "Retirement" funds
Replies: 29
Views: 1536

Re: Terminology: "Retirement" funds

bertilak wrote:
Sun Mar 10, 2019 11:35 am
Does anyone else have the same, occasional, difficulty?
Yes, I think it is best to ask the OP for an explanation.
by 2pedals
Sun Mar 10, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Car is likely totaled, not at fault. Negotiate?
Replies: 31
Views: 1911

Re: Car is likely totaled, not at fault. Negotiate?

In a boglehead world I feel I should even be compensated for the time I have to spend figuring out how to minimize the damages of this event :happy . Why do you feel this way? I wouldn't feel this way. Life is about taking risks, insurance does not cover for this and if it did your insurance would ...
by 2pedals
Fri Mar 08, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tire protection plans?
Replies: 18
Views: 755

Re: Tire protection plans?

No, not for me. Warranties are major source of profit for these companies and expense for consumers. I don't buy insurance for something that is not really worth much if somethings goes wrong anyway. I use my savings for these sort of expenses. I am not living pay check to pay check and can afford t...
by 2pedals
Fri Mar 08, 2019 10:49 am
Forum: Personal Investments
Topic: Can I retire? Looking for math help here.
Replies: 24
Views: 2967

Re: Can I retire? Looking for math help here.

Based on what I see here, if you do "step down" you may be forced to carry out a series of financial tasks that may be uncomfortable to you, your children and DW. I would wait until all of your children have established their career trajectory (or not) so you can get a better understanding of your e...
by 2pedals
Thu Mar 07, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How the Fed calculates household's Net Worth
Replies: 99
Views: 6073

Re: How the Fed calculates household's Net Worth

If it's a liability for someone, it must be an asset for someone else. Some Bogleheads are all about the big portfolio they built and don't like people counting assets like real estate and NPV of pensions in their net worth because that doesn't make their big portfolio look quite as big in comparis...
by 2pedals
Wed Mar 06, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: How the Fed calculates household's Net Worth
Replies: 99
Views: 6073

Re: How the Fed calculates household's Net Worth

The fed survey for a basically a "snapshot" in time of household net worth. It helps the fed obtain statistics for additional studies. It does not individualizes ones financial health and planning. The main concern the BH forum is for the individual and is not to gather statistics. Fed survey for ho...
by 2pedals
Fri Mar 01, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Upgrade primary residence vs. 3-fund
Replies: 24
Views: 1778

Re: Dilemma: Upgrade primary residence vs. 3-fund

From my original post: What should my thought process be for example, to determine if we should upgrade to an $800k house or a $1.2M house? On paper we could certainly afford either by using a suitably large down payment, but I'm sure there are reasons to not go overboard. I like to think the money...
by 2pedals
Thu Feb 28, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Upgrade primary residence vs. 3-fund
Replies: 24
Views: 1778

Re: Dilemma: Upgrade primary residence vs. 3-fund

Say you had 1.6 million in 2014 after the inheritance (1.5 mil + 400k - 300k). Investing in 80/20 AA 3 fund portfolio from 2015 to 2019 could be worth over 2 mil plus whatever you can save and invest over the years (could easily be over 200k (4 years x 50k/year) based on your income alone). Currentl...
by 2pedals
Thu Feb 28, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Upgrade primary residence vs. 3-fund
Replies: 24
Views: 1778

Re: Dilemma: Upgrade primary residence vs. 3-fund

Great comment by 8foot7. What is your savings rate? What are your expenses? You say with want to upgrade your lifestyle but it seems to me you must have already upgraded. If you have inherited ~1.5 million, where did it go? You show a 200k inherited loan and you still owe 270k on your primary resid...
by 2pedals
Thu Feb 28, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Upgrade primary residence vs. 3-fund
Replies: 24
Views: 1778

Re: Dilemma: Upgrade primary residence vs. 3-fund

Great comment by 8foot7. What is your savings rate? What are your expenses? You say with want to upgrade your lifestyle but it seems to me you must have already upgraded. If you have inherited ~1.5 million, where did it go? You show a 200k inherited loan and you still owe 270k on your primary reside...
by 2pedals
Tue Feb 26, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Nervous about locking up money in SPIA
Replies: 101
Views: 6336

Re: Nervous about locking up money in SPIA

if your needs are covered by social security and only 25-35% of your nest egg, the risk that the market would make you unable to pay for your needs are just about zero. An annuity simply isn't needed in this case. The point of the annuity is not to protect me from a market down turn. The point of t...
by 2pedals
Mon Feb 25, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: I have the answer - 4% plus 2 years (or 3.7% if you prefer)
Replies: 81
Views: 6475

Re: I have the answer - 4% plus 2 years (or 3.7% if you prefer)

Another alternative: Buy a CPI inflation adjusted annuity. Immediateannuities.com shows the payout for a joint and survivor annuity, both age 60, is 3.3%. Higher at age 65 When people are questioning if 4% SWR is safe enough, I would put them in the category for a candidate for SPIAs. I ran the num...
by 2pedals
Mon Feb 25, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: I have the answer - 4% plus 2 years (or 3.7% if you prefer)
Replies: 81
Views: 6475

Re: I have the answer - 4% plus 2 years (or 3.7% if you prefer)

Another alternative: Buy a CPI inflation adjusted annuity. Immediateannuities.com shows the payout for a joint and survivor annuity, both age 60, is 3.3%. Higher at age 65 When people are questioning if 4% SWR is safe enough, I would put them in the category for a candidate for SPIAs. I ran the num...
by 2pedals
Mon Feb 25, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Nervous about locking up money in SPIA
Replies: 101
Views: 6336

Re: Nervous about locking up money in SPIA

I am reading this same book by Lewis Mandell. He stresses a plan on how to protect yourself for an irrational self in the future from aging issues. He does make a very strong argument to use SPIAs to fill the income gap if SS and pensions are not enough to cover basic retirement expenses (including ...
by 2pedals
Fri Feb 22, 2019 11:06 am
Forum: Personal Investments
Topic: Financial Predators and the Elderly, and What YOU Need to Do
Replies: 41
Views: 3449

Re: Financial Predators and the Elderly, and What YOU Need to Do

Excellent post. Hopefully this post can get some traction. We need to have some actionable solutions for this concern. Maybe we can have a wiki on this subject someday. Unfortunately my SIL has been a very big financial predator to my MIL. I don't think think there is a way to stop it without causin...