Search found 999 matches

by dayzero
Mon May 06, 2019 7:37 pm
Forum: Personal Investments
Topic: Can we retire by 40??
Replies: 22
Views: 3833

Re: Can we retire by 40??

Bottom line - 4% rule simply does not apply to someone retiring at 40. That is grossly untrue. https://www.gocurrycracker.com/what-is-your-retirement-number-the-4-rule/ I can say the same with your comment. You could. But you should probably read this first. https://earlyretirementnow.com/2016/12/0...
by dayzero
Mon May 06, 2019 7:30 pm
Forum: Personal Investments
Topic: Can we retire by 40??
Replies: 22
Views: 3833

Re: Can we retire by 40??

lostdog wrote:
Mon May 06, 2019 7:20 pm
dayzero wrote:
Mon May 06, 2019 5:43 pm
Bottom line - 4% rule simply does not apply to someone retiring at 40.
That is grossly untrue.


https://www.gocurrycracker.com/what-is- ... he-4-rule/
lol well if gocurrycracker says so...
by dayzero
Mon May 06, 2019 5:43 pm
Forum: Personal Investments
Topic: Can we retire by 40??
Replies: 22
Views: 3833

Re: Can we retire by 40??

Bottom line - 4% rule simply does not apply to someone retiring at 40.
by dayzero
Thu May 02, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: I can't make heads or tails of these SEC yields
Replies: 11
Views: 1008

Re: I can't make heads or tails of these SEC yields

The yield curve is pretty flat. You are a sucker if you buy longer-term bonds--unless rates go down! Then you'll be happy to have the higher rate locked in. If you can predict interest rates then your strategy can reflect that. Otherwise just invest according to your long-term plan without regard t...
by dayzero
Thu May 02, 2019 5:03 pm
Forum: Investing - Theory, News & General
Topic: I can't make heads or tails of these SEC yields
Replies: 11
Views: 1008

Re: I can't make heads or tails of these SEC yields

These are all tax-exempt so no TEY calculations should be necessary and comparing to Total Bond is obviously not appropriate. I understand the yield curve is flat but cash paying more than short and limited term and the same as intermediate term? Why take on the interest rate risk at all if you don'...
by dayzero
Thu May 02, 2019 4:30 pm
Forum: Investing - Theory, News & General
Topic: I can't make heads or tails of these SEC yields
Replies: 11
Views: 1008

I can't make heads or tails of these SEC yields

Fund SEC Yield ========================== Municipal MM 2.05% ST Tax-Exempt 1.77% LtdT TE 1.87% IT TE 2.11% So you want to pay me basically the same for cash as for bonds with 5 year duration? Ummm, ok? Bogleheads, if you are invested in or buying ST, LtdT, or IT tax exempt right now, can you explai...
by dayzero
Sun Apr 28, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Getting Spouse On Board With Saving
Replies: 41
Views: 3941

Re: Getting Spouse On Board With Saving

Stop framing it as saving for "retirement" and try for "financial freedom" or "financial independence".
by dayzero
Thu Apr 25, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13455

Re: Google sheets not pulling stock prices

I currently am getting prices for Vanguard funds using a script that scrapes the Vanguard funds summary page--it pulls the prices for over 200 funds in about a second, and the prices are updated much sooner than GoogleFinance. This is in a dedicated prices and yields spreadsheet, which serves as a ...
by dayzero
Thu Apr 25, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13455

Re: Google sheets not pulling stock prices

Do you know if there is a way to create temporary variables or something like them in Google Sheets? Annoying to have to pull the bigcharts data and create the index twice: =value(MID( Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",A77,"&insttype=Fun...
by dayzero
Thu Apr 25, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13455

Re: Google sheets not pulling stock prices

Cool thanks, will update.
by dayzero
Thu Apr 25, 2019 10:05 am
Forum: Personal Investments
Topic: Google Finance Problem
Replies: 11
Views: 1727

Re: Google Finance Problem

VTIAX does appear to be fixed now with googlefinance().
by dayzero
Thu Apr 25, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13455

Re: Google sheets not pulling stock prices

Just replace your =googlefinance(...) call with this:

Code: Select all

=VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",A43,"&insttype=Fund"), "table"),3,1)),7))
Where A43 is the ticker. Solved.
by dayzero
Wed Apr 17, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 92
Views: 8007

Re: Job Offer Evaluation - FANG

L6 people manager non-tech I mean, I would definitely take it, it's a decent offer. If you have the interest/skills to transition into tech I would advise you to go that route. If you have software engineering skills you can try for straight lateral to SDM in a year or so, if not, you could transit...
by dayzero
Wed Apr 17, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 92
Views: 8007

Re: Job Offer Evaluation - FANG

pward wrote:
Wed Apr 17, 2019 7:41 pm
Being someone working as an engineer at a FANG company I can tell you that your offer seems very fair, ...
Not possible to say without specifying level / role, which we do not know. If OP provides level / role then we can provide feedback on the offer.
by dayzero
Wed Apr 17, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 92
Views: 8007

Re: Job Offer Evaluation - FANG

I posted on here last week about my FANG job offer, however, the post was locked so starting a new one. I finally received numbers and now that it is real I am unsure what to do. Current Job Salary: $130,000 plus $5,000 bonus Commute: zero, I work from home Team: I don't love the work, but my boss ...
by dayzero
Sun Apr 14, 2019 7:24 pm
Forum: Personal Investments
Topic: Increasing Risk in Retirement
Replies: 26
Views: 2179

Re: Increasing Risk in Retirement

Does it make sense in early retirement to minimize risk in the first several years and then barring unforeseen and early consequential downturns, increase risk as the impact of downturns has less overall impact on the portfolio? https://earlyretirementnow.com/2017/09/13/the-ultimate-guide-to-safe-w...
by dayzero
Sat Apr 13, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4010

Re: Relocating to Seattle from Baltimore Area

Job Offer: Relocation package to Seattle, includes covering realtor fees. $150k + ~$60k stock a year = ~$210k total comp. Have to go to an office every day, but will be working at FANG company. This could really set me up for my career. Thoughts? I am going to try negotiating for more, but not even...
by dayzero
Wed Apr 10, 2019 10:13 am
Forum: Personal Investments
Topic: Planning pre-retirement
Replies: 14
Views: 2123

Re: Planning pre-retirement

Thanks for feedback. Highly appreciated. One point I've heard is that I don't need to pay estimated 1Q taxes for sale according to my accountant. Just need to pay next year. Best Rob If you haven't paid the lesser of 90% of your current year liability or 105% of your prior year liability via payrol...
by dayzero
Fri Mar 29, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 14555

Re: How often do you check your net worth?

Probably about 10-20 times per day if the market is good. A bit less if it's bad but still I need to look for TLH opportunities pretty much every day. Portfolio and NW are rolled up together in one doc.
by dayzero
Tue Mar 26, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 146
Views: 19954

Re: Bogleheads with $100K+ MSRP cars?

I've got one. I used to feel guilty about liking nice cars from all the car shaming on this and other forums. Not anymore. I can afford it, and they bring me a lot of joy.
by dayzero
Mon Mar 25, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5827

Re: Family man who misses driving a fun car

Your post is exactly why they make sports-SUVs now - for Dads that miss the good old days. Get an Audi SQ5 or a Porsche Macan and all your problems will be solved.
by dayzero
Sat Mar 16, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 763
Views: 71586

Re: That's enough for me in 2019

There are also many roads that don't get to Dublin.
by dayzero
Sat Mar 16, 2019 8:01 am
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 763
Views: 71586

Re: That's enough for me in 2019

This is my top-calling post. Feel free to bump as we make new highs. We are less than a quarter into 2019 and it has already been incredible year for equities and bonds. My portfolio is up 15% YTD and crossed a nice round number on Friday. Thanks to a decade of low interest rates, I've never had a ...
by dayzero
Mon Jan 07, 2019 3:03 pm
Forum: Investing - Theory, News & General
Topic: Safe withdrawal rate at 38 years old
Replies: 95
Views: 7833

Re: Safe withdrawal rate at 38 years old

I’m looking at the possibility of selling my company for a large amount of money. My wife and I both own/operate it, so we would both be unemployed in this scenario. We would both find some other form of work, but likely at a much lower income level. For purposes of this question, I want to ignore ...
by dayzero
Tue Aug 14, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 110712

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Lots of risk in international - Brexit in March, potential Euro collapse, China finally going the way of the rest of the Asian economies... Luckily as an investor you are compensated for risk (usually). That's what makes it investing. :D I will say fundamentally I don't believe in most other countri...
by dayzero
Wed Aug 01, 2018 11:17 am
Forum: Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 135
Views: 19521

Re: Net worth of $3.7M at age 47 - can we retire?

Are there any other, less conservative, investment forums you can recommend? I find myself feeling very financially conservative and would love to hear opinions of others that aren't but *know* the market pretty well... To me conservative financially means less likely to fail. Depends how you defin...
by dayzero
Wed Aug 01, 2018 11:16 am
Forum: Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 135
Views: 19521

Re: Net worth of $3.7M at age 47 - can we retire?

This forum, in my opinion, is notoriously conservative. That’s neither good or bad, just a fact. Filter the responses accordingly Are there any other, less conservative, investment forums you can recommend? I find myself feeling very financially conservative and would love to hear opinions of other...
by dayzero
Wed Aug 01, 2018 10:48 am
Forum: Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 135
Views: 19521

Re: Net worth of $3.7M at age 47 - can we retire?

This forum, in my opinion, is notoriously conservative. That’s neither good or bad, just a fact. Filter the responses accordingly Are there any other, less conservative, investment forums you can recommend? I find myself feeling very financially conservative and would love to hear opinions of other...
by dayzero
Wed Aug 01, 2018 10:29 am
Forum: Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 135
Views: 19521

Re: Net worth of $3.7M at age 47 - can we retire?

This forum, in my opinion, is notoriously conservative. That’s neither good or bad, just a fact. Filter the responses accordingly Are there any other, less conservative, investment forums you can recommend? I find myself feeling very financially conservative and would love to hear opinions of other...
by dayzero
Wed Aug 01, 2018 9:54 am
Forum: Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 135
Views: 19521

Re: Net worth of $3.7M at age 47 - can I retire?

What we don't know.....We don't know that the future will look like the past. We don't know what withdrawal rate has a reasonable chance of success when a portfolio is asked to last more than 30 years - the time frame for one of you could easily be 50 years. People guess the number is probably 2% t...
by dayzero
Fri Jul 06, 2018 1:51 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 264
Views: 31732

Re: Roll Call for the Retirement Class of 2019!

I'll hit my number in Aug 2019, but I might join the OMY club anyway, so... maybe? Is maybe enough to get me on the list? Depends on all the usual stuff - market conditions, working conditions, money on the table, general levels of bravery and cowardice, etc. I'll be 42.
by dayzero
Tue Jun 19, 2018 11:03 am
Forum: Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4973

Re: Shorting Amazon

I am getting the itch to short Amazon. I have been watching it for a while and now that it has crossed 1700, I don't really see much upside in that stock. Don't get me wrong - they have done well and are a highly inventive company. However, their valuation and future growth required to be anywhere ...
by dayzero
Fri May 18, 2018 6:26 pm
Forum: Personal Investments
Topic: Need Help: Early Retirement, ACA Subsidies, Asset Location
Replies: 18
Views: 1205

Re: Need Help: Early Retirement, ACA Subsidies, Asset Location

Google told me the answer - no earned income required. I would just need to find an ACA plan that is HSA eligible.
by dayzero
Fri May 18, 2018 6:25 pm
Forum: Personal Investments
Topic: Need Help: Early Retirement, ACA Subsidies, Asset Location
Replies: 18
Views: 1205

Re: Need Help: Early Retirement, ACA Subsidies, Asset Location

furwut wrote:
Fri May 18, 2018 5:37 pm
If it is appropriate for you, selecting an HSA elgible policy and making a HSA contribution modestly lowers your ACA MAGI.
Good idea. Do you happen to know if you need earned income to take the HSA deduction?
by dayzero
Fri May 18, 2018 4:58 pm
Forum: Personal Investments
Topic: Need Help: Early Retirement, ACA Subsidies, Asset Location
Replies: 18
Views: 1205

Re: Need Help: Early Retirement, ACA Subsidies, Asset Location

A lot depends on portfolio size and amount of tax advantaged space too. An extreme example: If your tax advantaged space was big enough to hold your entire bond allocation and you held nothing but individual non-dividend paying stocks in taxable (so you could manage the CG) then you'd potentially h...
by dayzero
Fri May 18, 2018 2:27 pm
Forum: Personal Investments
Topic: Need Help: Early Retirement, ACA Subsidies, Asset Location
Replies: 18
Views: 1205

Re: Need Help: Early Retirement, ACA Subsidies, Asset Location

To maximize your ACA subsidy, fill taxable space in order of increasing dividend/interest distributions by allocating in the following order until taxable space is full: First, maximize annual I-bond and EE bond purchases. Second would be tax-efficient US equity. You can reduce realized dividend in...
by dayzero
Fri May 18, 2018 2:25 pm
Forum: Personal Investments
Topic: Need Help: Early Retirement, ACA Subsidies, Asset Location
Replies: 18
Views: 1205

Re: Need Help: Early Retirement, ACA Subsidies, Asset Location

Yes, the cliff is indeed a cliff - and there are two of them. You lose out if your income is too low or too high. The following is a link to an excellent article. It's three years old but you can adjust the numbers easily enough by looking up the latest federal poverty level (FPL). https://rootofgo...
by dayzero
Fri May 18, 2018 1:54 pm
Forum: Personal Investments
Topic: Need Help: Early Retirement, ACA Subsidies, Asset Location
Replies: 18
Views: 1205

Re: Need Help: Early Retirement, ACA Subsidies, Asset Location

If you want to be able to control your ACA MAGI down to the dollar the method that I use is to (have my wife) earn a small amount of employment income and then use the traditional IRA deduction before April 15th of the next tax year. Can you explain this in more detail or point me to some online re...
by dayzero
Fri May 18, 2018 1:48 pm
Forum: Personal Investments
Topic: Need Help: Early Retirement, ACA Subsidies, Asset Location
Replies: 18
Views: 1205

Re: Need Help: Early Retirement, ACA Subsidies, Asset Location

Ok thanks. I will check out the tax-managed funds. Am I understanding correctly that the 400% cliff is just that - a true cliff, if you're below you get a decent subsidy and if you're above you get $0? It's not a normal straight-line phase out like other credits? It seems like I should definitely st...
by dayzero
Fri May 18, 2018 1:24 pm
Forum: Personal Investments
Topic: Need Help: Early Retirement, ACA Subsidies, Asset Location
Replies: 18
Views: 1205

Re: Need Help: Early Retirement, ACA Subsidies, Asset Location

MP123 wrote:
Fri May 18, 2018 1:20 pm
Tax exempt muni income gets added back in to calculate MAGI for ACA purposes. Unfortunately.
Oh no. Well that is a huge bummer and definitely requires some re-organization. Thanks!
by dayzero
Fri May 18, 2018 1:12 pm
Forum: Personal Investments
Topic: Need Help: Early Retirement, ACA Subsidies, Asset Location
Replies: 18
Views: 1205

Need Help: Early Retirement, ACA Subsidies, Asset Location

I am getting pretty close to early retiring and I'm thinking about what if any reorganization I need to do with my portfolio. For the last ten years I've followed the standard advice here on asset location - I hold TSM (VTI/VV) and TISM (VXUS/VEU) in taxable and SCV (VBR) in tax-advantaged. This adv...
by dayzero
Mon Oct 30, 2017 4:51 pm
Forum: Personal Investments
Topic: What’s a safe formula for assets needed to retire?
Replies: 58
Views: 6167

Re: What’s a safe formula for assets needed to retire?

(85 - age) * annual expenses + one time expenses 40 year old with 200k college expenses and 100k annual expenses: (85 - 40) * 100k + 200k = 4.7M 60 year old with 50k annual expenses and no more one time expenses: (85 - 60) * 50k = 1.25M Obviously does not work the closer you are to 85, but a good ap...
by dayzero
Mon Sep 11, 2017 5:50 pm
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 6254

Re: China to ban petrol cars

http://www.bbc.com/news/business-41218243 I can not believe it is happenning USA used to be the leader in these things but now look who is more bold. So you think the US should be the leader in banning petrol cars? of course electric cars are the future This may be true, however there are several p...
by dayzero
Fri Sep 08, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Guaranteed 7% Real Estate Deal: Pull from Stock Market?
Replies: 36
Views: 4760

Re: Guaranteed 7% Real Estate Deal: Pull from Stock Market?

I've come across a large Real Estate Investment that will guarantee me a minimum of 7% for the next 10 years. Long Story Short we have 2, 10 year contracts in hand from Fortune 500 companies to rent a large facility on a large piece of land we have under contract in a major city, the facility is no...
by dayzero
Thu May 04, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 37668

Re: Where to Live on $60K or Less a Year?

St. George, UT ticks all your boxes.
by dayzero
Wed Apr 12, 2017 5:23 am
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 175
Views: 15106

Re: Rebalancing to control risk doesn't make sense to me

Or, I guess it does, if we define risk as volatility. But why do we need to control volatility? What's wrong with that? Really, what we're afraid of is not having money when we need it, right? The real risk we want to avoid is running out of money. Have you lived through real volatility with real m...
by dayzero
Fri Mar 03, 2017 8:06 pm
Forum: Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 21027

Re: Possibly Financially Independent and Feeling Miserable

Your worries are irrational and destructive to your happiness. I would recommend doing a bit of reading on stoic philosophy and the art of negative visualization, it has helped me immensely with the same kind of problem.
by dayzero
Fri Feb 17, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 24
Views: 4202

Re: Vanguard Service problems in the news

Products - great. Service - god awful. I have wasted countless hours of my life trying to get the simplest things done with them. Takes 20 minutes usually to get to the right person on the phone, I'd say about 25% of the time I get disconnected, and when that happens whoever you were speaking with d...