Search found 275 matches

by 2pedals
Tue Dec 12, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 63
Views: 2709

Re: Automated Market Timing

For me a "smoother ride" is an asset allocation that fits my risk tolerance so that I can stay the course during large markets drops.

"One thing that I strongly urge: Don't ever, ever, ever if you're an investor think of being out of the market or in the market," Bogle said
by 2pedals
Tue Dec 12, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 63
Views: 2709

Re: Automated Market Timing

Market timing works for stocks the are cyclical and predictable. Unfortunately stocks are not cyclical and are not predictable. When back testing with an analytical tool, you may find that some stocks act like they are cyclical and predictable and appear to "look good" for a money making scheme. Thi...
by 2pedals
Tue Dec 12, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: RMD and Roth IRA conversions
Replies: 8
Views: 860

Re: RMD and Roth IRA conversions

I am 58 and plan on to retire in about 1 year. After I retire, the assets the I convert from 401k and TIRA to Roth should be "long term" and will avoid RMD's after 70.5. For me the biggest advantage to Roth accounts is in legacy estate planning. I believe my DD (a professional) will be in a higher t...
by 2pedals
Mon Dec 11, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: After a 2- or 3-fund solution, the rest is withdrawals and world events
Replies: 17
Views: 1692

Re: After a 2- or 3-fund solution, the rest is withdrawals and world events

I like a 2% WR but will likely be going for a 2.5% rate for the near-term future. I know some of you think that’s low and I have a few thoughts on this. ...<---cut----> Bottom line, we are all dependent on the economy and the thin patina of civilization, but only have control over our withdrawals. ...
by 2pedals
Thu Dec 07, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why ORP-I suggests you spending down aft-tax saving 1st?
Replies: 29
Views: 2210

Re: Why ORP-I suggests you spending down aft-tax saving 1st?

I'm confused by this thread. You would set the AA the same in each account if you didn't want I-ORP to spend money from the account that had the lowest returns first, and you just wanted to see what the recommendation would be if the AA is the same. agreed But most people don't have the same AA in ...
by 2pedals
Thu Dec 07, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Why ORP-I suggests you spending down aft-tax saving 1st?
Replies: 29
Views: 2210

Re: Why ORP-I suggests you spending down aft-tax saving 1st?

randomguy wrote: I agree with other people in that you have to make sure the returns are the same in all the accounts (same AA and expected returns) or i-ORP will just resort to spending the account with the lowest return first in most cases. I have made that mistake more than once:) I have struggl...
by 2pedals
Wed Dec 06, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2384

Re: 112K pension- need help w/the rest

The only problem I see with the Fidelity four-in-one approach is that your will be stuck with that asset allocation and most people do not recommend a AA of 70% to 85% equity in retirement as you get older you may want less stocks i.e. 50%. I would rather have the control of defining my AA by using ...
by 2pedals
Tue Dec 05, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio - Retirement income as the bond allocation?]
Replies: 13
Views: 1080

Re: [Three fund portfolio - Retirement income as the bond allocation?]

You may want to read Wade Pfau's new book, it is discussed in the following thread. I am reading it now and find it quite informative and interesting.

viewtopic.php?t=229814
by 2pedals
Sat Dec 02, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9464

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

Looking back at all of my investing years 30+, I did not really predict anything well at all. I had some wins and then big losses in 2007-2008. I spent a lot of time worrying about crashes. I wish I learned to stay the course at a young age because nobody knows nothing. I tended to worry too much ab...
by 2pedals
Sun Nov 26, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10690

Re: Didn't buy Bitcoin at $4600

Even if you happen to win the lottery, it doesn't mean you're not an idiot for having played. Not a very good analogy. In the lottery, only one out of millions can win. In Bitcoin, many many folks can win, perhaps 1/3 to 1/2 of those who have played, just by buying and then selling 1-3 years later....
by 2pedals
Sat Nov 25, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pay this off now or not?
Replies: 33
Views: 2522

Re: Pay this off now or not?

My order would be get any available employer match, use a Health Savings Account (HSA), fund all available retirement accounts, use Roth backdoor or/and mega backdoor and pay off your debt in order of highest interest rate first (that would be your mortgage first not your student loans). You have a ...
by 2pedals
Fri Nov 24, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12060

Re: Help DW gets fired, but then next day her boss offers her job back

I really think her boss is unethical for doing this and maybe breaking the U.S. labor laws for job classification. When her boss fired her and rehired her, effectively switching her from exempt to non-exempt her job function must change. He should be taking away some of the her job functions, such a...
by 2pedals
Fri Nov 24, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12060

Re: Help DW gets fired, but then next day her boss offers her job back

Payoffhouse wrote:
Fri Nov 24, 2017 6:11 pm
Boss explained to her that he can no longer afford her salary.
What about the salary for everybody else?
by 2pedals
Fri Nov 24, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: WSJ - Wall St. Predictions Wrong Again
Replies: 7
Views: 1536

Re: WSJ - Wall St. Predictions Wrong Again

When the experts were the least optimistic for the S&P 500 in 2008, guess what happened? :oops:
by 2pedals
Fri Nov 24, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Discovered debt
Replies: 63
Views: 7579

Re: Discovered debt

The past, it's done. It took so a shockingly long time to figure out the husband created $200k in dept. I think the plan forward is to make certain he does not create more dept and somehow pays for his bad behavior.
by 2pedals
Fri Nov 24, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 2885

Re: Bicycle wheels - what's a reasonable budget

Many options are available at Bicycle Wheel Warehouse. I have ordered from them in the past, they did an excellent job. YMMV.
by 2pedals
Wed Nov 22, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12060

Re: Help DW gets fired, but then next day her boss offers her job back

I also vote for "don't go back, no matter what." How insulting of her boss to fire her, then ask her to come back (!) at 25% reduced pay (!!). I also have to say that, from an outsider's perspective, it certainly looks suspicious that they tried to fire a new mother who has presumably just returned...
by 2pedals
Wed Nov 22, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12060

Re: Help DW gets fired, but then next day her boss offers her job back

If it were me, I don't think I would ever go back. Her boss fired her and want to hire her back at less pay and less benefits. They have vicious intentions. Keep a copy of the pink slip and new offer, it might help her explain things when looking for a new job.
by 2pedals
Wed Nov 22, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 25
Views: 1136

Re: Slanting International geographically or regionally

Why would you think this would improve your returns?
by 2pedals
Wed Nov 22, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 86
Views: 5578

Re: Interesting ride so far - Crypto-curriencies

I see the word here used as an "investment". Holding cryto-curriencies is not an "investment", it is "speculation". I believe it is dangerous to confuse the two. Do not confuse speculation with investments and not change your investment plan, it could be harmful to your future.
by 2pedals
Tue Nov 21, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: Tax Basics Cheatsheet?
Replies: 9
Views: 1546

Re: Tax Basics Cheatsheet?

I have this sneaking suspicion that very rich little boys and girls get a talking to early in their lives from their parents that instills in them what numbers to look for and whether to know if that's a good thing or a bad thing. :D Even if true, why would you care? If you are not rich your taxes ...
by 2pedals
Mon Nov 20, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Looking for Black Friday tax software deals (HRBlock)
Replies: 17
Views: 2068

Re: Looking for Black Friday tax software deals (HRBlock)

This post by DarkNyte on Nov. 11 has a link to a discount

viewtopic.php?t=232071
by 2pedals
Fri Nov 17, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Why is there talk of a bond bubble?
Replies: 8
Views: 944

Re: Why is there talk of a bond bubble?

I wouldn't say it's a bubble. I think most investors like me are a worried that the interest rates are historically low. If the federal reserve raises the discount rate interest, bond yields will increase and result with lower bond prices. The federal reserve has been slowly raising the discount ra...
by 2pedals
Fri Nov 17, 2017 8:08 am
Forum: Investing - Theory, News & General
Topic: Why is there talk of a bond bubble?
Replies: 8
Views: 944

Re: Why is there talk of a bond bubble?

I wouldn't say it's a bubble. I think most investors like me are a worried that the interest rates are historically low. If the federal reserve raises the discount rate interest, bond yields will increase and result with lower bond prices. The federal reserve has been slowly raising the discount rat...
by 2pedals
Wed Nov 15, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Help deciding between Wellesley and 4 Corporate Bond Index Funds
Replies: 14
Views: 1618

Re: Help deciding between Wellesley and 4 Corporate Bond Index Funds

I'm looking for some advice Have 300k to invest, primary goal is preservation - income. Trying to decide between going with 50K Prime Money Mkt And 25% each to: VSCSX Short Corp Bond VICSX Int. Corp Bond VFIIX GNMA VWEHX High Yield OR: Perhaps adding the Wellesley Income Fund also? I think you set ...
by 2pedals
Sun Nov 12, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 1906

Re: Are we headed for a crash or...

Is this just the beginning? Of course past is no prediction of the future but I found this chart pretty interesting. https://www.beacontechnologies.com/blog/wp-content/uploads/2014/02/17-year-stock-market-cycle.jpg The beginning is now, but nobody knows nothing Nobody knows nothing is a double nega...
by 2pedals
Sun Nov 12, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 1906

Re: Are we headed for a crash or...

Bigbonds wrote:
Sun Nov 12, 2017 12:35 pm
Is this just the beginning? Of course past is no prediction of the future but I found this chart pretty interesting.

https://www.beacontechnologies.com/blog ... -cycle.jpg
The beginning is now, but nobody knows nothing
by 2pedals
Sat Nov 11, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: My favorite bond portfolio
Replies: 19
Views: 2701

Re: My favorite bond portfolio

I am intrigued however by having the 3 different funds instead of 1 Total Bond Fund, for the fact that these 3 bond funds will behave in different ways at different times, and it might be nice to have your choice of fund to pull from, in the event that you want to rebalance, or you need to withdraw...
by 2pedals
Thu Nov 09, 2017 8:45 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Slaughtering The High Dividend Sacred Cow
Replies: 192
Views: 13415

Re: Larry Swedroe: Slaughtering The High Dividend Sacred Cow

How about fund that includes all of the nondividend stocks (TSM-Div. stocks) that can be placed in a taxable account and a fund that includes all of the the dividend stocks (TSM-nondividend stocks) that can be placed in a tax advantaged account?
by 2pedals
Tue Nov 07, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5523

Re: Eye Doctor $30 to get your Rx? Is this normal?

Hello, My wife has been complaining about her vision for a while, decided to see an MD Ophthalmologist that participates in our HMO. We called and verified a $20 copay for the eye exam. She received her full eye exam, but our VSP vision plan, separate from the HMO, does not cover lenses and frames ...
by 2pedals
Fri Nov 03, 2017 7:22 am
Forum: Investing - Theory, News & General
Topic: History of World Stock Market Bubbles, 1900-2014
Replies: 38
Views: 3532

Re: History of World Stock Market Bubbles, 1900-2014

Simplegift, thanks for the post

Good to know that nobody knows nothing. Now the question I have is why do the fund managers and gurus get paid so much for knowing nothing? The people forking over the dough know just as much as the gurus.
by 2pedals
Tue Oct 31, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: portable propane heater that's easy to turn on?
Replies: 10
Views: 667

Re: portable propane heater that's easy to turn on?

I have had one for years. Works great but sometimes you have to depress the knob more than once to purge the air especially when you attach a new propane bottle.
by 2pedals
Tue Oct 31, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8981

Re: My 401k is almost all cash now. 1/2 Mil

I would spend a lot of time defining an investment policy statement . Take a good look at what you expect to see in the future. When do you want to retire, what are your expenses, do you have any debts, do you have a pension plan in addition to your 401K, other sources of income, etc ,,, etc. ? You ...
by 2pedals
Sun Oct 29, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 9230

Re: we bought a house - are we housepoor now?

I think it will be hard for you to save and invest for years to come. Why do you ask after the deed is done?
by 2pedals
Sun Oct 29, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15425

Re: What was the main reason you retired?

Not retired yet, target date is Jan 2019. All of the reasons mentioned but not forced out yet. The biggest reason the company is changing the defined benefits plan, sick of sitting at in my cubicle (I want to have more time for exercise and outdoor activities) and office politics.
by 2pedals
Sun Oct 29, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: PA Speeding Ticket?
Replies: 31
Views: 1632

Re: PA Speeding Ticket?

Hi Bogleheads, .<cut>. f irst speeding ticket ever . The cop pulled me over in this backroad at night claiming I was doing 55mph in a 35 zone. He came back and wrote it up as doing 40mph in a 35 zone and said no points would be awarded against my license. He made it seem like he was giving me a bre...
by 2pedals
Wed Oct 18, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2608

Re: Credit scores fell this month a lot for no reason

I had a perfect FICO score of 850 for years. After I paid off my home loan early my FICO score dropped to about 760. It has slowly worked it's way back up to 800. I payed off my home loan early, never had a late payment my whole life (now 58 years old), significant savings and my income has gone up ...
by 2pedals
Wed Oct 18, 2017 7:45 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6767

Re: Larry Swedroe:Better To Face The Correction

Excellent article by Larry. Many good reasons we should not get fooled into the trading and timing gurus ideas.
by 2pedals
Tue Oct 17, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 7428

Re: Vanguard expects "decent sized correction" soon, sometime, maybe later

I got a kick out of the subtitle:
Critical information for the U.S. trading day
I guess since the U.S. trading day is over this information is no longer critical. :annoyed

In other news today "Alien life likely to be found on planet X, soon, maybe later".
by 2pedals
Mon Oct 16, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12680

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

I think you are treating Bogle's words like a Rorschach test. What he actually said was to bring your balance back to where it was before stocks increased drastically if you are nervous. Balance could mean your absolute holding, not a precentage asset allocation. He does not believe in rebalancing,...
by 2pedals
Sun Oct 15, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12680

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

So what is it or isn't. Jack Bogle suggested to make moderate adjustments to your asset allocations. It's the same advice if it was or wasn't fully valued. For me, adjusting my asset allocation would involve adjusting my target for rebalancing. But Bogle is against rebalancing, so there is no targe...
by 2pedals
Sat Oct 14, 2017 6:05 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12680

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

So what is it or isn't. Jack Bogle suggested to make moderate adjustments to your asset allocations. It's the same advice if it was or wasn't fully valued.
by 2pedals
Sat Oct 14, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 101
Views: 21913

Re: How Do You Like My New 'Doo

Nedsaid I really do appreciate you sharing your experiences with me and other Bogleheads. When I was younger, I was thinking that I could out smart the market. I did at times but I made some very serious mistakes in the 2008 drop. I did not understand how much a big market drop would scare me. I thi...
by 2pedals
Sat Oct 14, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11062

Re: anyone else not liking the new cars?

just frank wrote:
Sat Oct 14, 2017 8:00 am
If it makes you feel better....those new cars will likely have terrible resale too after EVs take over.
I predict the trade-in value of my 1994 Plymouth will drop from $354 to $339 in a few years.
by 2pedals
Sat Oct 14, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11062

Re: anyone else not liking the new cars?

I dislike the front grill look on many of the new cars, but I would buy any of them if in the market.
by 2pedals
Sat Oct 14, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, The Only Way To Beat The Stock Market
Replies: 5
Views: 2481

Re: Jack Bogle, The Only Way To Beat The Stock Market

Great interview even though the interview date is Nov. 2012 it is timeless.
by 2pedals
Tue Oct 10, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Personal advice
Replies: 13
Views: 1911

Re: Personal advice

The concept of moving from medical trainee to a million dollar income seams a bit much like a pipe dream to me. I think you need a realistically reassess your future business income and expenses.
by 2pedals
Tue Oct 10, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5980

Re: Pension Freeze - What did you do?

The weakest companies that have defined benefit pension plans gave up on them years ago. Companies that are moving to a defined contribution plan may or may not be financially stable. Today's companies that are transitioning have waited many years to do the transition already unlike the previous cro...
by 2pedals
Sun Oct 08, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3589

Re: Daughter's auto repair shop problems, what should we do now?

It is about 20k people, but nearby is a larger town about 100k people. She went to a "recommended" independent repair shop in the larger town, not exactly convenient.
by 2pedals
Sun Oct 08, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3589

Re: Daughter's auto repair shop problems, what should we do now?

Most Bogleheads recommend 1) leave it alone, it's between your Daughter and the shop, no suggestions on my part are not helpful, i.e. she should learn to handle this on her own 2) most likely a communication issue with the shop and Daughter and the shop is not at fault 3) don't ever go back to that ...