Search found 3294 matches

by greg24
Tue Jan 22, 2019 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 74
Views: 5865

Re: Saving for 1-2 years rather than for a lifetime

This thread starts with a false premise, leans heavily on false dichotomy, and contains a whole lot of straw man fallacy.
by greg24
Sun Jan 20, 2019 11:14 pm
Forum: Personal Consumer Issues
Topic: Where to buy CR2032 batteries?
Replies: 43
Views: 3070

Re: Where to buy CR2032 batteries?

I buy odd battery sizes in 10 or 20 packs on ebay. You can find 10 packs of CR2032 right now for $3.49 to $5. They typically are shipped from sellers in SE Asia. They seem to work fine for me. Perhaps the lifespan is a little shorter than what you'd find in stores, but I have no complaints. It is ni...
by greg24
Fri Jan 18, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11138

Re: Have I Now Become Out of Touch Financially? Aging question...

McChicken has been $1 for 20 years.

!!!DEFLATION!!!
by greg24
Thu Jan 17, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 94
Views: 7041

Re: Should I buy a house in the Bay area or give up?

Why do you want to buy a house?

Home ownership is a lifestyle decision. You are young, single and childless. Leave the house buying to those who have a lifestyle need.

What if you buy a house, then in 18 months, you get a great job offer across town or across the country?
by greg24
Thu Jan 17, 2019 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: 57 yr old w/$14K
Replies: 24
Views: 3611

Re: 57 yr old w/$14K

Put the $14k in Vanguard Prime Money Market Fund.

He should keep working for as long as possible, saving as much as possible.
by greg24
Tue Jan 15, 2019 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Super Aggressive MF or ETFs?
Replies: 20
Views: 1103

Re: Super Aggressive MF or ETFs?

100% equities with a good helping of SCV

If you want to be aggressive, the best thing to do is be aggressive with your savings. Can you save 50% of your income?
by greg24
Tue Jan 15, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2593

Re: Screwed myself on salary negotiations, how do I get past this?

Live and learn. You don't know if they would have met your increased demands, they may have gone as high as they were able to go.
by greg24
Tue Jan 15, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Change my mind - Lease > Buy New Car
Replies: 23
Views: 1960

Re: Change my mind - Lease > Buy New Car

They aren't giving you a better discount off MSRP because they think they can get you to lease
by greg24
Mon Jan 14, 2019 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: I'm the noobiest noob
Replies: 16
Views: 1392

Re: I'm the noobiest noob

You may want to consider setting up weekly Roth IRA contributions. You'll "dollar cost average" over time, buying shares at whatever price the market sets that day. You won't be investing all at once, smoothing out the price you pay. It may make it easier to get yourself to invest without regret.
by greg24
Mon Jan 14, 2019 11:58 am
Forum: Investing - Theory, News & General
Topic: U.S. economy could slip from top spot in 2020 and keep slipping
Replies: 25
Views: 1863

Re: U.S. economy could slip from top spot in 2020 and keep slipping

MichCPA wrote:
Mon Jan 14, 2019 11:45 am
These are raw numbers compared to nations that have something like 4x the population of the US. It would hardly be a slip to still have double the per person GDP as China in 2030.
+999
by greg24
Mon Jan 14, 2019 11:52 am
Forum: Investing - Theory, News & General
Topic: Are index fund managers forced to sell stocks when incurring greater trading?
Replies: 28
Views: 1990

Re: Are index fund managers forced to sell stocks when incurring greater trading?

Patzer wrote:
Mon Jan 14, 2019 11:06 am
I am looking at Chart comparisons of the performance.
We've shared links above showing a direct comparison, where the ETF lags.

I can't recreate your numbers showing the ETF outperformance. If you can recreate this comparison so that we can see it, that'd be great.
by greg24
Sun Jan 13, 2019 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: VMMXX - [Vanguard Prime Money Market Fund vs. online bank]
Replies: 10
Views: 1861

Re: VMMXX - [Vanguard Prime Money Market Fund vs. online bank]

We keep the bulk of our cash in VMMXX, with a local credit union checking account for cash, ATM usage and small checks.

Moving money from VMMXX to local checking or vice versa was easy to setup, and easy to do.

I love using VMMXX for the bulk of our cash, it has a very competitive yield.
by greg24
Fri Jan 11, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Company relocating and not interested - next steps ?
Replies: 48
Views: 3691

Re: Company relocating and not interested - next steps ?

btenny wrote:
Fri Jan 11, 2019 2:42 pm
Move but don't move.
I would strongly consider this advice. Even if you only make it 6 months, that is 6 more months of salary, and 6 less months of health insurance uncertainty.
by greg24
Fri Jan 11, 2019 5:01 pm
Forum: Investing - Theory, News & General
Topic: Are index fund managers forced to sell stocks when incurring greater trading?
Replies: 28
Views: 1990

Re: Are index fund managers forced to sell stocks when incurring greater trading?

If this was a "major advantage", ETFs tracking the same index as a mutual fund would outperform over time. Do you see ETFs outperforming similarly indexed mutual funds? Yes, for example. Fidelity S&P 500 ETF (SPY 0.0945% Expense Fee) has outperformed their S&P Mutual Fund (FXAIX 0.015% Expense Fee)...
by greg24
Fri Jan 11, 2019 3:23 pm
Forum: Investing - Theory, News & General
Topic: Are index fund managers forced to sell stocks when incurring greater trading?
Replies: 28
Views: 1990

Re: Are index fund managers forced to sell stocks when incurring greater trading?

If this was a "major advantage", ETFs tracking the same index as a mutual fund would outperform over time.

Do you see ETFs outperforming similarly indexed mutual funds?
by greg24
Thu Jan 10, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9766

Re: Disciplined with finances, but not so with diet

When you find yourself playing on the floor with the kids, do 20 pushups. Then do it another 10 times.
by greg24
Thu Jan 10, 2019 1:54 pm
Forum: Investing - Theory, News & General
Topic: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)
Replies: 31
Views: 2634

Re: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)

oneleaf wrote:
Thu Jan 10, 2019 12:37 pm
I always believed it takes a special kind of snake oil to rope in a Boglehead.
:sharebeer
by greg24
Thu Jan 10, 2019 1:50 pm
Forum: Investing - Theory, News & General
Topic: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)
Replies: 31
Views: 2634

Re: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)

Ketawa wrote:
Thu Jan 10, 2019 12:52 pm
People who are criticizing the change in strategy for the Risk Parity Fund (AQRIX): do you realize the AQR has two other funds with literally the same investment approach, according to their web site, that are not changing?
Why do three of their funds have literally the same investment approach?
by greg24
Thu Jan 10, 2019 11:50 am
Forum: Investing - Theory, News & General
Topic: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)
Replies: 31
Views: 2634

Re: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)

nedsaid wrote:
Thu Jan 10, 2019 11:27 am
In fairness to AQR, 2018 was a bad year in the investment markets.
It was, but many of their super-fancy funds got destroyed by the old stodgy SP500 index fund by 10%.
by greg24
Wed Jan 09, 2019 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Negative 13.6% return in 401K for 2018
Replies: 55
Views: 5681

Re: Negative 13.6% return in 401K for 2018

When the market goes up, I'm happy my portfolio increased in value.

When the market goes down, I'm happy that my automatic future contributions buy more shares.
by greg24
Tue Jan 08, 2019 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why isn't an AA of 75/25 with a SWR 3.75% the standard??
Replies: 62
Views: 6865

Re: Why isn't an AA of 75/25 with a SWR 3.75% the standard??

If you really want to run the numbers, the "standard" would end up being something like 68.2/31.8 and 3.52%.
by greg24
Tue Jan 08, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2674

Re: Need a little insight from STEM Bogleheads

bltn wrote:
Tue Jan 08, 2019 2:09 pm
Don t half or marriages end in divorce. I doubt domestic partnerships fare any better.
Once you control for income, education and age, the divorce rate is much lower. She has some grad school and apparently a very high income.
by greg24
Tue Jan 08, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2674

Re: Need a little insight from STEM Bogleheads

There’s a lot of drama at her high school and nobody will fix the issues. She wants to write education plans and curriculums apparently. This reveals a lot to me. She seems to dislike the inherent BS in her teaching job, and would prefer to focus on her core tasks. Well, every job has inherent BS. ...
by greg24
Tue Jan 08, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2674

Re: Need a little insight from STEM Bogleheads

Huge climb to become a tenured professor.

A better ROI would be to leverage the Math masters into a different career in a better paying field. Computers, finance, etc.
by greg24
Fri Jan 04, 2019 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Which Money Market account now that interest rates have gone up?
Replies: 57
Views: 7348

Re: Which Money Market account now that interest rates have gone up?

I just threw that out there so you are correct. But I just know that ally no penalty CD's and savings account beat prime for probably 8-9 yrs until the recent Fed hikes. I switched over to prime in late 2017/early 2018 when it surpassed Ally's rates. You could have beat prime since then if you were...
by greg24
Fri Jan 04, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: US Stock Market Returns in the 21st Century
Replies: 92
Views: 4382

Re: US Stock Market Returns in the 21st Century

Why do you think that the year 2000 belongs to the 21st century? I would say it definitely does. Remember when people were celebrating the new century and new millennium? Although I was young, I recall that celebration took place on 12:01 AM 1/1/2000, NOT 12:01 AM 1/1/2001. When Did the 21st Centur...
by greg24
Fri Jan 04, 2019 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Which Money Market account now that interest rates have gone up?
Replies: 57
Views: 7348

Re: Which Money Market account now that interest rates have gone up?

I'm a strong proponent to use Vanguard Prime Money Market. Set it and forget it. You'll never have to chase rates. Not necessarily true, vanguard prime money market only surpassed online savings accounts yield late 2017/early 2018. You could have been earning 1% in an online savings account while p...
by greg24
Thu Jan 03, 2019 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Which Money Market account now that interest rates have gone up?
Replies: 57
Views: 7348

Re: Which Money Market account now that interest rates have gone up?

I'm a strong proponent to use Vanguard Prime Money Market. Set it and forget it. You'll never have to chase rates.
by greg24
Thu Jan 03, 2019 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Market closes almost 700 points lower
Replies: 18
Views: 1676

Re: Market closes almost 700 points

The market wasn’t down 700 points. That’s the Dow, which is only 30 stocks. I wish the media would put more emphasis on the S&P500. I agree, but the market is not 500 stocks either. The Dow lost 2.8%. The SP500 lost 2.5%. The Wilshire 5000 index lost 2.4%. The Dow is a good proxy for the total stoc...
by greg24
Thu Jan 03, 2019 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Market closes almost 700 points lower
Replies: 18
Views: 1676

Re: Market closes almost 700 points

delamer wrote:
Thu Jan 03, 2019 4:25 pm
The market wasn’t down 700 points. That’s the Dow, which is only 30 stocks.

I wish the media would put more emphasis on the S&P500.
The Dow lost 2.8%. The SP500 lost 2.5%.

They move more or less in lock step, so the Dow is a good proxy for the SP500.
by greg24
Thu Jan 03, 2019 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Market closes almost 700 points lower
Replies: 18
Views: 1676

Re: Market closes almost 700 points

Closes 700 points? Is that up or down?

Points are meaningless. What was the percentage?
by greg24
Thu Jan 03, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Porting from a family plan to Google Fi
Replies: 29
Views: 1678

Re: Porting from a family plan to Google Fi

Thanks for the billing details.
by greg24
Wed Jan 02, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Porting from a family plan to Google Fi
Replies: 29
Views: 1678

Re: Porting from a family plan to Google Fi

RickBoglehead wrote:
Wed Jan 02, 2019 10:32 am
I'm interested in understanding what surcharges, taxes, and other add-ons they have on the bill.
Agreed. Is there anyone willing to share their total bill cost?
by greg24
Wed Jan 02, 2019 8:52 pm
Forum: Investing - Theory, News & General
Topic: What do you think of this advice?
Replies: 62
Views: 4226

Re: What do you think of this advice?

l1am wrote:
Wed Jan 02, 2019 8:15 pm
  1. Learn how to perform at least basic technical analysis.
  2. Learn how to hedge your portfolio.
This is very poor advice.
by greg24
Mon Dec 31, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Credit utilization impact on canceling credit cards
Replies: 22
Views: 855

Re: Credit utilization impact on canceling credit cards

Would a change in your credit score matter much? Are you applying for a loan in the short future? Even so, it may not matter. We've generally had excellent credit scores. All that has done for us is get the advertised loan rates. No one pops out and says "Wow, your credit score is excellent! We have...
by greg24
Mon Dec 31, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Too Heavy in Real Estate?
Replies: 12
Views: 978

Re: Too Heavy in Real Estate?

You have been very successful in RE. I wouldn't rock the boat.
by greg24
Fri Dec 28, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - Is this too much?
Replies: 22
Views: 1850

Re: Life Insurance - Is this too much?

Insuring yourself till around age 70 greatly drives up premiums. There is little need for life insurance when you're that old. We insured ourselves on a 20-year level term that expires when we are about 54. If we drop dead the day after the policies expire, the kids will have our nest egg to split ...
by greg24
Fri Dec 28, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund as part of asset allocation?
Replies: 6
Views: 307

Re: Emergency fund as part of asset allocation?

I would generally say no. But $100k is a good deal of money.

If it is a decent percentage of your net worth, I would consider it part of my AA.

If its only 1% or something, I wouldn't.
by greg24
Fri Dec 28, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13614

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

whodidntante wrote:
Fri Dec 28, 2018 11:05 am
For the two of you who don't have a subscription to Barron's, just search the article title in Bing (Bing it?) and the search results bypass the paywall.
Thanks, this worked for me.
by greg24
Fri Dec 28, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - Is this too much?
Replies: 22
Views: 1850

Re: Life Insurance - Is this too much?

Insuring yourself till around age 70 greatly drives up premiums. There is little need for life insurance when you're that old. We insured ourselves on a 20-year level term that expires when we are about 54. If we drop dead the day after the policies expire, the kids will have our nest egg to split up.
by greg24
Fri Dec 21, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern 65 Life - Keep it or dump it?
Replies: 31
Views: 2032

Re: Northwestern 65 Life - Keep it or dump it?

You could cash out the $8500 now. Add to investments, increase your e-fund, or splurge.
by greg24
Fri Dec 21, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 401k contribution limits
Replies: 1
Views: 349

2019 401k contribution limits

As we're all watching the market melt down, one thing you can do is increase your 401k withholding for 2019.

The limit increases from $18.5k to $19k. Over 50 catch up contributions remain the same.

:sharebeer