Bogleheads.org

mall0c

Sorry you had to go through this. Hopefully lesson learned. >> We have enough income with pension and SS so that we dont need any IRA withdrawals until RMA’s I think there's your answer. Bite the bullet and go back in all at once on Monday, but perhaps to a slightly less aggressive equity allocation...

mall0c

I just always do 80/20. Clean and simple and close enough.

mall0c

Welcome to ScamBay. Seems like the user base is 80% scammers at this point. It's really sad. This is a publicly traded company with a market cap of 40 billion dollars. If it is 80 percent scammers, how are they still in business and making money? No clue. Sounds like a business opportunity to me.

mall0c

Welcome to ScamBay. Seems like the user base is 80% scammers at this point. It's really sad.

mall0c

I am a Boglehead through and through but I bought some bitcoins years ago as a novelty because I wanted to understand them better. I have been through several crashes with them. They are incredibly volatile, so I hold them at book value (purchase price) on my balance sheet (everything else I mark to...

mall0c

I think I messed up on the Entity Name (Registration). I just put the name of the trust. Looks like it has to be a more specific format?Is there any easy way to fix that?

mall0c

Resurrecting this old thread...

Does anyone know if the trust has to have its own tax id? Currently my trust does not have a separate tax id, and I already have an individual account at TD with my SSN.

mall0c

From 3/23 - 3/26 I moved from 50/50 to 60/40. I had been planning to do this for a long time and figured it was a good time to pull the trigger. This was a permanent change and 60/40 is meant to be my "forever" allocation. VTWAX, ITOT, and IXUS are not my first choice funds but I had been ...

mall0c

I would say if a) you are very high income and b) most or all of your income is subject to the QBI 199A deduction and c) you live in a no state income tax state then yes it makes sense to shift from 401k to taxable investing. 37% tax rate (the highest) becomes 29.6% with the 199A deduction. It seems...

mall0c

I did it for a few years. Now I don't need to work anymore. I say go for it. It is an incredible opportunity. Working at FANG was the highlight of my career. I did not find the WLB to be that different from anywhere else. I had plenty of time for my family. And the work and people were great, better...

mall0c

If you've never experienced the market go down 50% you might be underestimating the value of cash in your portfolio. I am not a robot, I wish I were when it came to investing. But since I am not, the 19% that I have in cash (savings, i-bonds, MMF, CDs) helps me stay the course with the riskier asse...

mall0c

If you've never experienced the market go down 50% you might be underestimating the value of cash in your portfolio. I am not a robot, I wish I were when it came to investing. But since I am not, the 19% that I have in cash (savings, i-bonds, MMF, CDs) helps me stay the course with the riskier asset...

mall0c

I'm in the middle of making the switch to Citi - 1% checking and 2.05% savings.

mall0c

3% - conservative

2.2% - irrational

mall0c

Is this logically different from a company holding shares of itself in its treasury?

mall0c

Munchkin Man!

mall0c

I am surprised you need to rebalance at all if you are 20 years away from retirement. You should just be adjusting your target allocation when the year rolls over and directing new contributions to the right place to get you to that target. You don't need to physically trade 1% of your current stock...

mall0c

DanMahowny wrote: ↑Thu May 30, 2019 1:12 pm What about the young child growing up in a $2.3 million dollar home?

How will they feel about living their adult years in a $250k home when it comes time to get their own house?

Those could literally be the same house in two different locations.

mall0c

From an affordability perspective yeah of course. From an ROI perspective, if 2.3 is inside the meaty part of the bell curve for your city (Bay Area, NYC) then yeah I'd say go for it, it will probably pay off. If you are in the long tail for your city I'd say no, don't do it. The market for top-end ...

mall0c

Bumping this up for comment. I've never done a variable rate CD before and was wondering if any wise members here had. It still seems like a pretty good deal relative to other CD / fixed income options right now.

mall0c

https://www.nwfcu.org/sites/nwfcu.org/files/2019-04/Opportunity%20Certificate%20Rates_April%2026.2019.pdf Variable rate certificate, adjusts quarterly at WSJ Prime - 2.25%. Currently 5.5% - 2.25% = 3.25%. Floor is 2.78%. Seems like a pretty good deal to me, on par with intermediate-term bonds but wi...

mall0c

I do not consider anything in the last ten years to be real experience in measuring one's risk tolerance. Fall 2019 was bootcamp. 2007-2009 was war. I agree on the 2007-2009, the worst of all the downturns that I've been through as an investor. I did a modest amount of buying in 2008, stopped withd...

mall0c

Although actual experience is great for validating our own true risk tolerance, I'm in the camp that doesn't believe it to be necessary. But, of course, that really depends on the individual. I agree with GCD's premise that training and education are more important. And I'd add personal temperament...

mall0c

There is no substitute for experiencing a severe multi-year downturn. If you have never experienced one, you are by definition an inexperienced investor. My advice in that case is to just assume you are overconfident of your risk tolerance until proven otherwise by experience, because the consequenc...

mall0c

If someone has a user registration newer than 2009 I pretty much assume they don't really know what they're talking about (unless it becomes clear they are just a newcomer to Bogleheads, not investing in general). If you've never experienced a severe multi-year downturn you are by definition an ine...

mall0c

If someone has a user registration newer than 2009 I pretty much assume they don't really know what they're talking about (unless it becomes clear they are just a newcomer to Bogleheads, not investing in general). If you've never experienced a severe multi-year downturn you are by definition an inex...

mall0c

Good analysis of 60 year retirement periods:

https://earlyretirementnow.com/2016/12/ ... t-1-intro/

mall0c

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...

mall0c

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...

mall0c

Bottom line - 4% rule simply does not apply to someone retiring at 40.

mall0c

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...

mall0c

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'...

mall0c

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...

mall0c

Stop framing it as saving for "retirement" and try for "financial freedom" or "financial independence".

mall0c

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 ...

mall0c

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,&quo...

mall0c

Cool thanks, will update.

mall0c

VTIAX does appear to be fixed now with googlefinance().

mall0c

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.

mall0c

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...

mall0c

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.

mall0c

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 ...

mall0c

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...

mall0c

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...

mall0c

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...

mall0c

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.

mall0c

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.

mall0c

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.

mall0c

There are also many roads that don't get to Dublin.

mall0c

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 ...

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