Bogleheads.org

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I am interested in knowing how many of you retired (retiring) by 55 and never plan to make a penny active income again. (55 is my earliest possible retirement age. Once I retire, I would not be able to come back to a similar job making similar money, so I do not plan to come back to the work place ...

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I recently completed a cross-country move, and had luck using a website called Uship . I listed the contents of what I wanted to move online and shipping companies made bids. The shipper I picked was licensed and bonded, and they came in about 30% less expensive compared to the big household names ...

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I recently completed a cross-country move, and had luck using a website called Uship . I listed the contents of what I wanted to move online and shipping companies made bids. The shipper I picked was licensed and bonded, and they came in about 30% less expensive compared to the big household names (...

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As been stated by others, your net worth has nothing to do with how much umbrella insurance you need and discussing it in those terms means you don't understand what umbrella coverage is. I'm not sure I agree with this. Seems to me that the more assets one has, the higher the umbrella coverage shou...

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As been stated by others, your net worth has nothing to do with how much umbrella insurance you need and discussing it in those terms means you don't understand what umbrella coverage is. I'm not sure I agree with this. Seems to me that the more assets one has, the higher the umbrella coverage shou...

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That graph may be misleading, at least as it relates to European companies. I'm sure a lot of the "foreign" revenue actually represents intra-EU/EEA trade. If you eliminate the European countries, then you're mostly left with countries like Taiwan, Hong Kong, or Canada, with relatively small domesti...

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Regardless of how large an umbrella policy you get, there'll always be some one-in-a-billion situation which can wipe you out. Here's a story of a woman who shipped her SUV back to the United States after working a stint abroad. Unbeknownst to her, there was a recall notice on her vehicle. While at ...

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From all the posts here, it sounds like the $5 million coverage is fine. I'll talk to the broker and get a quote on more, but unless it's a good deal, seems like I'll pass. Thank you all for your input. As a fellow renter, one of the things I worry about is an event which damages the building and/o...

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I'm a watch aficionado, so I generally try to avoid the watch threads on Bogleheads. But, I think there's some misinformation going around, especially this idea of all watches being exactly the same, and spending more than $50 on a watch is the equivalent of spending tens of thousands of dollars on ...

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Have you considered a bond tent? Michael Kitces has a write-up about using a tent to reduce portfolio risk in the years immediately before and after retirement. In your case, you already have sufficient funds to retire, so it will be more of a bond lean-to. The basic idea is that you would choose a ...

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For what it's worth, I was quoted a $60 additional annual premium for window replacement coverage with a $50 deductible. This is through Travelers in Colorado.

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4% rule is risky business, at least for someone looking to retire a little early. I'm planning to use the 2.5% rule when I retire, with no SS or pension factored in. Please show me the data the supports your 2.5% statement. You can justify 3.5% or something nearby with data. Search for "perpetual w...

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Carolnaman thanks for input. Healthcare is covered in retirement by employer funds. $3200 is additional needed over and above SS and small pension annuity. Based on input I am moving toward 30% equities /70% CD ladders as long as interest are up to support the plan. One way to think of it is that y...

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triple post

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double post

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Thanks trueblueky. Yes conservative. I dont have years on my side to recover stock market losses at this point in my life. Are you sure about that? You may have a 30-40 year retirement ahead of you. I was planning on doubling my stock market exposure from 200k to 400k when I transfer my 401k to Fid...

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OP, I've been looking at the Subarus myself and I'm wondering if you've considered the Forester. It looks to have a smaller turning radius than either of the vehicles you're considering. It has a more powerful engine than the Crosstrek and it's almost as powerful as the smaller of the Outback engin...

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Since I don't currently own a car, that means I don't have car insurance. And while credit cards provide collision coverage, they don't cover liability. So, I need to get liability from the rental company which adds $15 - $20 per day to the rental cost. That adds up quickly. Since you will eventual...

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OP, welcome to Colorado where the air is thin and cool, the stars are bright, and people give you room to merge on the interstate (except the ex-pats from CA:). Yes, this is the land of the Subaru and the largest dealer in the US is in Colorado Springs: [url]https://www.bestbuysubaru.com/ [url] Tha...

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Thank you everyone for your feedback. The consensus seems to be that the Outback may be the better vehicle for me, but I'll need to test drive one to see how it feels. A few comments... You should look at and drive the 3.6R Outback. That is the best car for your plans by far. It has two good feature...

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As I mentioned on the 2018 Roll Call thread, I’m retiring this summer. I will be moving to Denver and for the first time in my adult life, I will need a car. I’m single, male, in my mid-to-late 40s. Since I’m retired I obviously won’t be commuting. But I will need the car for shopping and errands. I...

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amp, Future investments will have different expected returns. Now THAT's a bold statement. Prove it. Absolutely no reason why that MUST be so, in expectation. The forecasters that understandingJH quotes in the original post use a variety of inputs to calculate expected returns. John Bogle, for exam...

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I find this disturbing. For someone like me with a 20-30 year accumulation horizon, I'll take on the same amount of risk as say my parent's generation but end up with about half the expected return. Lower returns would be easier to accept if the standard deviation also lowered. However, I'm assumin...

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Does anyone know where I can find information regarding permanent address issues for digital nomads in the U.S.? thanks. I've done a bit of reading on this. There's a Patriot Act requirement that all financial accounts must be associated with a permanent address. Some people have been able to use c...

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cfs wrote: ↑
Thu Apr 26, 2018 2:15 pm

amp wrote: ↑
Thu Apr 26, 2018 5:54 am
. . . I'm planning to make Friday, July 13 my final day . . .
This is going to be a great Friday 13th!

Good luck in your retirement, and please stay mentally and physically active.

Gracias por leer ~cfs~

Thank you, cfs. I appreciate the kind words.

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I've decided it's time. I'm planning to make Friday, July 13 my final day (which somehow seems appropriate). I'll be 47.

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Name: Super Karate Monkey Death Car

Long

Take Two Interactive (TTWO)
Noble Energy (NBL)
Incyte (INCY)

Short

JC Penney (JCP)
Twitter (TWTR)
American Eagle Outfitter (AEO)

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In New York City, there's New York Cares . It's a nonprofit that focuses on providing volunteers to other organizations. After going through an orientation session, one can sign-up online for any number of projects, anything from reading to kids to rehabilitating city parks to walking shelter dogs. ...

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By my count 15 funds shorted Sears Holdings (SHLD). With 64 entries, that's nearly a one out of every four! One participant bucked the trend and picked it on the long side. The most common long stock is ExxonMobil (XOM) with four people choosing it.

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Note that there WILL be a market crash someday. Maybe even tomorrow. But we can't tell when. CAPE won't tell you when. But, so far, just riding the crash down, and riding it back up has given some very good returns. The long-term averages of the stock market INCLUDE the crashes. Read that again. Yo...

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2117.91

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The battle for 2nd place raged on throughout the intra-day. But at the closing bell, it was Groovin Mahoovin edging out Consternatio Partners by 0.51%. The final standings are in: Rank Fund (Manager) Return % 1 Tanelorn Capital: Better Lucky Than Good (Tanelorn) 99.66% 2 Groovin Mahoovin (ready20) ...

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Out of Left Field

Long
COG - CABOT OIL & GAS CORP
HLX - HELIX ENERGY SOLUTIONS
TTWO - TAKE-TWO INTERACTIVE

Short
AMD - ADVANCED MICRO DEVICES
JMBA - JAMBA INC
SHLD - SEARS HOLDINGS CORP

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This table shows the top 1% by age. http://www.financialsamurai.com/top-one-percent-net-worth-amounts-by-age/ It looks about right to me. I guess I could see how a 25 year old with 380,000 may not feel like he has great wealth, but I would expect if you are over the age of 40 with 2.2 million or mo...

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What advice do those of you who have been at this longer have for those of us who are just getting started? I can think of nothing better than reading a thread called " A Time to EVALUATE Your Jitters " which was originally created during a market downturn. The first post from nisiprius is a gem. W...

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When I used VTSAX & FSTVX to compare with a benchmark, Morningstar automatically loaded "LB" & SP 500. Does that mean the bench mark is SP 500 for the total US stock index fund? If so, why don't people here suggest using the SP fund over the total market fund as it would more closely follow the ind...

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For someone opening a Roth IRA for the first time, though it's a very tiny difference, does fidelity offer the cheaper ER and therefore the better place to open the account? Fidelity's FSTVX FTIPX & FSITX (have ER of .045, .11 &.05) VG's VTSAX, VTIAX & VBTLX (have ER of .05, .12 & .06) It's very cl...

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This is one of the reasons I think there is a significant value (if you want to be in the space at all) investing with Polychain Capital (for example) as the individual running it has been running risk management for / was the first employee of Coinbase for 3.5 years which is the largest US exchang...

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By the way, how do bogleheads determine which retirement account to place investments in? Which investments (ex. international, US, stocks, bonds) should go in my Roth IRA accounts? Which investments (ex. international, US, stocks, bonds) should go in my Traditional 401K account? There is really no...

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Staying on the "Summary" page and right below the account balance there is a graph which says "Your Balance History". Immediately to the right of that graph (the right column on that page) contains a number of things. The first one on my screen is a link to the "eMoney Advisor Fidelity Customer Por...

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Hi, Are you premium customers? I don't see 4th column with TT premier. Thanks. If the link to TT offer does not have personally identifiable information, can you please share the link. I think the link is customer-specific. But the below screenshot is what I see on the Guidance & Retirement > Taxes...

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The UI is a mess for this one. Can someone try the following and confirm? As listed above, log in, then go to Guidance & Retirement > Taxes. In the third column under the image, I see "save on turbotax", which links to the "up to $20 off". In the fourth column I see "turbotax online premier". Click...

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On the Fidelity website, there's a note about a new 2% card coming in January.

No idea how this will affect current cards, but right now the enrollment links to both the FIA Visa and Amex cards are gone from the Fidelity website. The rumor is that Fidelity will be switching providers.

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I would like to get specific. If I have 20M and plan to with draw 2% but only need .5%, does anyone have an issue with a 100% world wide stock portfolio? Would 90/10 be somehow much better? When you get into really large numbers it obviously doesn't matter a whole lot what you do. A more realistic ...

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Fidelity will charge you a 1% redemption fee if you hold FFRHX for less than 60 days. So, I'd hold it at least until then.

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As others have mentioned, it's impossible to say which allocation will turn out to be "better." That can only be known in retrospect. A couple of thoughts, however. this is what it returned for a taxable account. The tax advantaged account was pretty similar too. It seems that Wealthfront just puts ...

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I googled "hamilton fund denver colorado" and the second link that came up was this one: http://www.mfwire.com/fundprofile.asp?fund=30822 From that page... In 1975, OppenheimerFunds purchased Denver-based Hamilton Management Corporation to create the foundation of its Colorado-based operations. Oppe...

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> so you have say 1Mil of your own $$$ so you can only do 3-4 houses at a time with your own cash, so why not do 20 houses at a time One reason It doesn't scale. Each house needs personal attention from someone watching closely over contractors and costs. To do more at a time means hiring more peop...

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I think this is going to be highly employer dependent. Not just employer dependent, but manager dependent as well. I think a manager that's financially secure, or on their way to becoming financially secure, (like most bogleheads) will see the value of an employee who's secure as well. On the other...

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The submittal process was entirely online and the form would not advance to the next step until all required information was filled out. I was annoyed to find that Salary requirement was one such item. It's generally accepted that the applicant doesn't inquire about salary until further into the pr...

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