Search found 148 matches

by max12377
Wed Oct 02, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 14281

Re: Willingly going from lucrative job to unemployed?

My advice is to listen to yourself. Gather as much advice as you want or need but realize only you know your unique situation. It’s perfectly fine to seek advice but in my experience when I spend too much time looking to the internet or others for answers I get paralyzed because everyone says someth...
by max12377
Sat Sep 07, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do
Replies: 25
Views: 2569

Re: Not sure what to do

Thank you everyone. I am much closer to a decision now. Life IS too short. Maybe this will be my “practice” retirement or maybe it will be the real one - time will tell. I have many connections in the industry I’m in and many have reached out already to let me know that they will absolutely take me ...
by max12377
Sat Aug 31, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do
Replies: 25
Views: 2569

Re: Not sure what to do

Resume already updated. Got a few bites and interviews upcoming. I can tough it out but it’s not going to be easy. Sorry I am being a bit generic but you never know who reads these boards. I have considered the “what’s the worst they can do, fire you”. I think you are right about me enabling the sit...
by max12377
Sat Aug 31, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do
Replies: 25
Views: 2569

Re: Not sure what to do

Thank you so much for your responses ! It may be difficult to get a couple weeks vacation because of the volume of work and the hard deadlines approaching. That said, I already have a ton of unused vacation and I may be losing it if I don’t use it. I have always been a hard worker but the circumstan...
by max12377
Sat Aug 31, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do
Replies: 25
Views: 2569

Re: Not sure what to do

Yes, to clarify I am not ready to retire. I enjoy what I do for a living but I’d rather do it somewhere other than where I work now. I do have connections that may be able to hire me in the future but that’s not a given. Thank you so much for the feedback so far. Gives me food for thought. I know th...
by max12377
Sat Aug 31, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do
Replies: 25
Views: 2569

Not sure what to do

Esteemed Bogleheads- I find myself in a situation at work that is causing me a lot of stress and sleepless nights. I am single, in my early 50's, rent, and have about 1.6 million - 450K in a taxable account. I have started looking for another job but I really want to get out now as there is more str...
by max12377
Sun Jun 16, 2019 5:31 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 355
Views: 44452

Re: How Bad was 2008, really?

I'm not convinced that the problem that occurred in 2008 was solved. I suspect it was pushed further down the road. This is only my opinion. But I stay invested in a mix of stocks and bonds because I know cannot predict the future. I was stunned at how quickly the recovery came given the severity of...
by max12377
Tue May 14, 2019 5:21 am
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 9426

Re: For how long will the forum be around?

The day the forum goes away I’m buying stocks ‘cause it will be a Really Bad Day.
by max12377
Sat May 11, 2019 4:24 am
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 131
Views: 24034

Re: Do you rent even if you can afford to buy?

I have owned a few times and I rent now and love it. For me personally, pulling weeds, cutting the lawn, etc, etc. is time I could spend travelling or simply reading a book. One of my homes was a veritable lemon. I had spent more time on home repair than I ever want to spend again in my lifetime. Fo...
by max12377
Sat Apr 07, 2018 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 97
Views: 10843

Re: Permanent DINK couples - Considerations, thoughts, etc?

Hmm, so if you are a DINK, that makes me a SINK (Single Income no kids). Not sure I like the sound of that .. :shock:
by max12377
Sat Mar 17, 2018 6:38 am
Forum: Personal Investments
Topic: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?
Replies: 52
Views: 8634

Re: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?

I'm curious about the housing issue. Yes, you could buy a house and pay it off to reduce monthly expenses. However, the $$ used to pay off the house could probably pay your rent for quite a long time. That said, having a paid off house with a lower payment would likely make it easier to stay in a lo...
by max12377
Sat Apr 30, 2016 5:39 am
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 106
Views: 13317

Re: Selling in May and Walking Away?

Invest in May, look away, then go out and play

.. and while your money goes away ..
.. keep your worries at bay..
.. and just wait another day..
.. but if it's still not going your way..
.. you might want to stop and pray..

-Have a good day. :sharebeer
by max12377
Fri Dec 25, 2015 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 18581

Re: Biggest lucky break in your personal finances?

My break was from a gal who would have had no qualms about being unfaithful had we gotten married. I was lucky to break from that before the inevitable event. I was lucky that she chose to reveal her tendencies before we got that far. Sadly, I've dodged more than a few bullets of that ilk in my life...
by max12377
Thu Dec 10, 2015 3:56 am
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 107
Views: 15171

Re: Single & Frugal or Coupled & (Financially) Incompatible?

Cherokee8215 wrote:+1 on the singles forum but I think it will never happen due to the board's tax status with the IRS.
Fifthed! I have plenty of experience being single. :oops:
by max12377
Tue Sep 29, 2015 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: VTSMX and Substantially Identical Funds
Replies: 23
Views: 2977

Re: VTSMX and Substantially Identical Funds

jebmke wrote:You can replicate Total Stock Market with a mix of S&P 500 and Extended Market Index in a ratio of approximately 70/30.
I had thought the ratio was 80/20. Has this changed ? Just curious.

Tx
by max12377
Sun Aug 30, 2015 6:01 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 14353

Re: Aug 2015 correction: what Bogleheads did...

I was too busy working. If I'm supposed to react to daily/weekly/monthly changes I'll become a day trader. The only number I look at is my stocks to bonds. As long as it has not veered over 5% I do nothing. Right now we are in the 2-3 percent range. I'm thankful I have other ways to occupy my time.....
by max12377
Sat Aug 01, 2015 6:48 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 22106

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

There is another thread on this topic here to give you some additional info: https://www.bogleheads.org/forum/viewtopic.php?t=153693 I blast through my personal food budget on Mint every single month. It's an area where I need to improve. I rarely brown bag it because most times my lunch just looks ...
by max12377
Sun Jul 26, 2015 10:55 am
Forum: Investing - Theory, News & General
Topic: Would Demand For Bonds Temper the Drop in NAV
Replies: 13
Views: 1308

Re: Would Demand For Bonds Temper the Drop in NAV

Thank you Todd. I find that reassuring for those of us that are sticking with a total bond fund whose average duration is medium term. I expect many folks are/have shortened their bond duration somewhat (OK, I admit I dropped some 8 yr duration TIPS) but it's not a given that it's the right move. I'...
by max12377
Sun Jul 26, 2015 7:02 am
Forum: Investing - Theory, News & General
Topic: Would Demand For Bonds Temper the Drop in NAV
Replies: 13
Views: 1308

Would Demand For Bonds Temper the Drop in NAV

If rates rise and, subsequently, the bond funds 'nav' drops in proportion to average duration of the bond fund, is it possible that the magnitude of the drop will be tempered by the public demand for better yielding bond funds? In other words, if there is a rush to buy the bond funds once the yield ...
by max12377
Fri Jul 17, 2015 4:08 am
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 48
Views: 5475

Re: Recommended World War I book

Not a book, but I found the Khan Academy videos on WW1 fun and interesting. For me personally, at times, some history books can get too detailed and you can lose the forest for the trees. These vids moved along and covered the major points. So I suppose as a starting point for someone these are a gr...
by max12377
Wed Jul 15, 2015 4:55 am
Forum: Personal Investments
Topic: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules
Replies: 20
Views: 3398

Re: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules

It is not clear to me what you are doing/planning to do. What do you buy in taxable when you TLH? Do you buy bonds or just hold the cash for 30+ days rather than buy a similar but not identical fund? Do you move from bonds to Total stock market in 403b when you TLH or are you just moving stocks aro...
by max12377
Tue Jul 14, 2015 6:57 am
Forum: Personal Investments
Topic: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules
Replies: 20
Views: 3398

Re: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules

I'm researching the Vanguard vs Morningstar estimation of Total Stock Market. Vanguard's site does describe their philosophy. https://personal.vanguard.com/us/content/MyPortfolio/analytics/pwLMMrktCapDetailsContent.jsp This approach is consistent with Vanguard's philosophy of investing for the long-...
by max12377
Tue Jul 14, 2015 5:44 am
Forum: Personal Investments
Topic: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules
Replies: 20
Views: 3398

Re: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules

I was wondering about this so I figured I'd ask. I like the 3 fund portfolio. I have a Roth, 403b, Inherited IRA and a Taxable account. I hold VTSAX (Vanguard Total Stock) in my Taxable account. I hold the S&P 500 index (VFIAX) fund in the other accounts. Why? When I tax loss harvest it's easy to s...
by max12377
Mon Jul 13, 2015 6:41 am
Forum: Personal Investments
Topic: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules
Replies: 20
Views: 3398

Re: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules

Thanks all. I so far have been avoiding the wash sale issues by holding total stock in taxable and the 3 amigos (large +mid+small) in tax deferred. As a secondary note, I am now going to Morningstar X-Ray (also in wiki) for the Total Stock Market approximation rather than using the Vanguard tool. It...
by max12377
Sun Jul 12, 2015 7:55 am
Forum: Personal Investments
Topic: Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules
Replies: 20
Views: 3398

Holding VTSAX in taxable and tax-deferred - Dividend payout & Wash Sale Rules

I was wondering about this so I figured I'd ask. I like the 3 fund portfolio. I have a Roth, 403b, Inherited IRA and a Taxable account. I hold VTSAX (Vanguard Total Stock) in my Taxable account. I hold the S&P 500 index (VFIAX) fund in the other accounts. Why? When I tax loss harvest it's easy to se...
by max12377
Thu Jun 25, 2015 8:09 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 55365

Re: What ratio are you stocks/bonds and how old are you?

One final observation from the data so far: Not only are Bogleheads in all age groups today being much more aggressive in their stock allocations than Mr. Bogle's standard recommendation of "age in bonds," but older Bogleheads are, relatively speaking, being a bit more aggressive than younger Bogle...
by max12377
Wed Jun 24, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 55365

Re: What ratio are you stocks/bonds and how old are you?

Age 49

73/27 - I couldn't decide between 70/30 and 75/25 so I roughly split the difference.
by max12377
Tue Jun 02, 2015 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Starting later in life... should I buy a home?
Replies: 15
Views: 2261

Re: Starting later in life... should I buy a home?

I'm around the same age and single as well. I've owned 2 houses over my lifetime. The first was a financial winner, the second was a financial loser. In both cases, though, I always felt like I was wasting my time cutting the grass, pulling weeds, hiring contractors, painting... Renting gives me fre...
by max12377
Sun May 17, 2015 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Divorce and Marriage
Replies: 21
Views: 4860

Re: Divorce and Marriage

rtom wrote:
Sents wrote: PS: If you are worried about divorcing someone, don't marry them in the first place. Also, a pre-nupital agreement could help, but many people on this board don't recommend it for various reasons.
What is wrong with a pre nip?
Perhaps a pre-nip in lieu of a pre-nup :beer
by max12377
Fri Apr 17, 2015 11:45 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 17002

Re: how to deal with it [regret over past investing choices]

I think we have a choice of what to focus on. I recall a seminar where the presenter said to look around and notice everything around you that is red. So participants did so. Then he asked them to close their eyes. Once their eyes were closed he said.. "Ok.. tell me everything around you that was gr...
by max12377
Thu Apr 16, 2015 6:30 am
Forum: US Chapters
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 13729

Re: Favorite Boglehead Avatar?

I like Toons avatar. Guns blazin..
by max12377
Wed Apr 15, 2015 7:44 am
Forum: Personal Investments
Topic: Low fees vs. tax deferred bond allocations
Replies: 10
Views: 1128

Re: Low fees vs. tax deferred bond allocations

I've been pondering the same thing so I also appreciate the responses. My goal has been stocks in taxable and bonds in tax deferred and it's irritating that I have to pay more than I would like for my 403b bond funds. When the projected returns for bond funds are low to begin with, why pay more? To ...
by max12377
Mon Mar 02, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 22487

Re: What's your average ER?

Another vote for .09.
by max12377
Mon Feb 02, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Is it ok not to own property?
Replies: 24
Views: 4552

Re: Is it ok not to own property?

As a single guy I find not owning property to be absolute bliss.. :sharebeer I don't have to do diddly squat other than keep the insides clean. I've owned 2 houses over my lifetime and am unlikely to ever own another one. Perhaps it's just my personality but I love to come and go as I please and not...
by max12377
Fri Jan 30, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 78
Views: 11079

Re: How do you "Stay the Course"?

I think about all those little dividend payments being re-invested while the market is low.
by max12377
Mon Jan 05, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 557
Views: 46410

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2000.00 (easy for me to remember my guess)
by max12377
Mon Dec 15, 2014 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 13036

Re: Most/Least Boglehead 2014 Activity?

Most: Held all my bonds in tax-deferred Least: Received an inheritance and am holding some muni's in taxable even though I have tax-deferred space to hold bonds. A controversial topic considering low bond yields. I've been giving a lot of thought to this strategy and will likely sell the muni's and ...
by max12377
Fri Dec 12, 2014 6:48 am
Forum: Personal Finance (Not Investing)
Topic: paid-off mortgage yesterday!
Replies: 24
Views: 4028

Re: paid-off mortgage yesterday!

I got rid of my mortgage last year and it's a great feeling! Oh, I also got rid of my house :-) I am a renter now and love it. Congrats on paying off your house. I was on my way to that as well but decided I hated owning a house. If I ever buy another I'll pay cash as I agree with the mortgage free ...
by max12377
Fri Dec 12, 2014 5:10 am
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 5838

Re: New HTTPS security bug, Vanguard servers vulnerable

Meh, the bug is called Poodle.. If it were called DeathRay or Incinerator I might be concerned but what's to fear from a Poodle ?

:beer
by max12377
Sat Nov 08, 2014 8:36 am
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 17025

Re: What if I Never Buy a House?

If buying a house doesn't suit your lifestyle, don't bother! I'm a single guy and likely much older than you. I have owned 2 houses over my lifetime and I live in an area where housing is relatively cheap. Speaking from experience, owning a house had forced my to spend my time doing activities that,...
by max12377
Fri Oct 24, 2014 9:54 am
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 21954

Re: Do you regret buying your home?

Life circumstances make renting a no brainer for me. Even if I could afford a house with all the trappings I doubt I would bite. I'm a single guy and would rather spend my time travelling. If I had a wife and kids, I doubt I would rent.
by max12377
Thu Oct 23, 2014 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 16
Views: 2497

Re: Renting vs owning

I am renting by choice. I love it. In my area it's cheaper to buy but I don't care. I am a single guy and renting is perfect for my lifestyle. I have owned 2 houses over my lifetime and it would take a lot for me to jump into another. Right now I have no worries about lawn maintenance, home repair, ...
by max12377
Sun Oct 19, 2014 6:37 pm
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 4765

Re: advice on a surface pro 3

I have a surface pro 2. I bought it for the writing app because it's one of the very few that seems to work well. Now instead of writing note on paper it's all done electronically. The drawback to the Surface Pro, in my opinion, is Windows 8. Windows 8 seems like a half-baked OS. Some things I can d...
by max12377
Sun Oct 19, 2014 9:26 am
Forum: US Chapters
Topic: Livesoft - Thank you
Replies: 44
Views: 8198

Re: Livesoft - Thank you

I agree with Strep. And, he is sufficiently amusing that even when I don't particularly care about the topic, I'll read his comments because, ... well, just because. :thumbsup I get a chuckle just from seeing his name, considering the forum started as the Diehards... OMG that is funny.. thanks for ...
by max12377
Sun Oct 19, 2014 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Deleted
Replies: 151
Views: 18092

Re: "I've had it" at work - how often

I started out my career as an Engineer. Hal way through my Masters Degree in Engineering I realized I didn't want to do it anymore. So I finished the MSEE and went back to school for my MBA. Half way through my MBA I decided it was boring as all heck and I didn't want to do it anymore. So I finished...