Search found 1016 matches

by indexonlyplease
Sat Jun 23, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Heavy in equities?
Replies: 31
Views: 2767

Re: Heavy in equities?

What I find odd however is the position of many retired investors who both believe in the predictive power of old US data AND remain heavily invested in equities (60% or greater). I'm confused for 2 reasons: People have different situations, so their plan may not make sense to you if you are missin...
by indexonlyplease
Sat Jun 23, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5179

Re: Surprise - Costco sells - but does not install vehicle batteries

Takes 10 min to install a new battery. Would you pay others $50 install fee? In our area installs are free. 10 minutes to install a battery sure. But how long does it take to get a ride to the store. It's not like every dead battery happens in front of someones house? AAA my friends saves time. Tim...
by indexonlyplease
Sat Jun 23, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5179

Re: Surprise - Costco sells - but does not install vehicle batteries

I say this is completely wrong. If you own a car you should have AAA. You never will know when the car will break down and you need a tow. Another good use of AAA is they offer bettery service. Your battery dies they come test the charging system and if it's the battery they will replace it. I have...
by indexonlyplease
Fri Jun 22, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5179

Re: Surprise - Costco sells - but does not install vehicle batteries

Takes 10 min to install a new battery. Would you pay others $50 install fee? In our area installs are free. 10 minutes to install a battery sure. But how long does it take to get a ride to the store. It's not like every dead battery happens in front of someones house? AAA my friends saves time. Tim...
by indexonlyplease
Fri Jun 22, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 109
Views: 6348

Re: Factor Investing Makes Someone Money, But Maybe Not You

Just as it is hard to determine, ex-ante, the optimal stock-bond portfolio, the same is true for other factors. And sticking with a single factor can be just as hard as sticking with a multifactor portfolio – just ask anyone holding an equity market portfolio at the end of 2008 . Per usual, Robert ...
by indexonlyplease
Fri Jun 22, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 95
Views: 7635

Re: how to make friends in new location?

I took up birdwatching about 6 years ago (when i retired) and it is a great way to meet people. Besides organized walks and trips, i run into people in parks, at beaches (not to mention water treatment plants, but that's a different story :-)). Wherever i am, if i see someone with binoculars i appr...
by indexonlyplease
Fri Jun 22, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 95
Views: 7635

Re: how to make friends in new location?

On this board, VictoriaF always strikes me as a very interesting person, with her background and the things she's done and does, and she's fun and funny besides. People like that are not going to have a problem making friends anywhere. Thank you, 2015, My view on friendships is similar to yours. Th...
by indexonlyplease
Fri Jun 22, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 131
Views: 13351

Re: Can you retire on $2M?

Many blogs have stated people retire at a young age. But many also have started a business that brings in additional income. Unless you have that potential, have a pension (which I dout at 40) there is so many additional cost that could ruin your retirment and than you have to go back to work. So, w...
by indexonlyplease
Thu Jun 21, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5179

Re: Surprise - Costco sells - but does not install vehicle batteries

I guess I'd argue if you can't install a battery maybe you shouldn't be driving a car. If you are young and strong, this might be valid. If you are elderly, or have a bad back, lifting a 30 to 40 lb. battery in and out of a car might not be possible. I say this is completely wrong. If you own a car...
by indexonlyplease
Thu Jun 21, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Battle Of Passive Strategies
Replies: 71
Views: 6671

Re: Larry Swedroe: The Battle Of Passive Strategies

Factor investing is complex and the “optimal” way to do it is always changing because there is no optimal way that can be known in advance. That being said, it’s all to common for advisers to relentlessly push complex investment strategies such as “optimal factor allocation” because it makes the ad...
by indexonlyplease
Thu Jun 21, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Battle Of Passive Strategies
Replies: 71
Views: 6671

Re: Larry Swedroe: The Battle Of Passive Strategies

I wouldn't reduce exposure to factors because I believe that factor funds are more efficient. Since the persistence of the premiums is not as great as the market premium, I will still maximize exposure to each of the factors I am targeting, hoping for outperformance. I am still saving/investing suf...
by indexonlyplease
Thu Jun 21, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Battle Of Passive Strategies
Replies: 71
Views: 6671

Re: Larry Swedroe: The Battle Of Passive Strategies

I agree with the article's conclusion that so far, results have supported his book's contention that: 1) passive beats active; and 2) tilting towards size and/or value is superior to Total Stock Market. What I'm unclear about in his article is that he also pushes the case that using DFA funds to ti...
by indexonlyplease
Thu Jun 21, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Battle Of Passive Strategies
Replies: 71
Views: 6671

Re: Larry Swedroe: The Battle Of Passive Strategies

Wolf359, I believe you are seeing things correctly. Probably shouldn’t hire an advisor only for DFA access. The returns in the article do account for expense ratios but do not account for advisor fees. If you wanted DFA access alone, I think it is likely available for much less than the 1% fee you ...
by indexonlyplease
Thu Jun 21, 2018 7:13 am
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 18
Views: 1366

Re: calculator to get to desire $$$

I would use firecalc as described by dbr. Portfolio visualizer is also a great program and very flexible. Might be a little more suitable for what you want. With either one you will see that you don't actually get a single number / date that is fixed in stone. There is a likely range of outcomes. F...
by indexonlyplease
Thu Jun 21, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: How do you decide when to break a CD?
Replies: 7
Views: 598

Re: How do you decide when to break a CD?

I have 3 cd's and yes now the rates are higher. The calculator says break the cd. But to me the little difference is not worth the hassle. Maybe when Ally Bank comes up with a 3% cd I will make the move.

This is also my emergency money.
by indexonlyplease
Wed Jun 20, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Battle Of Passive Strategies
Replies: 71
Views: 6671

Re: Larry Swedroe: The Battle Of Passive Strategies

I was with a DFA advisor for about 3 years. The cost was 1.3% for advisor fees and ers. I learned a lot from the advisor about passive investing. Then I found this site and bought into the 3 fund portfolio. I did not believe the fee was worth it any longer. Also, the money was in my 457 fund and I ...
by indexonlyplease
Wed Jun 20, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Battle Of Passive Strategies
Replies: 71
Views: 6671

Re: Larry Swedroe: The Battle Of Passive Strategies

I always read that picking a portfolio and sticking with it long term may be one of the best decisions an investor can make. But I constantly read here how so many believe there is a better way or think there is a better way. So, I may be confused at times and think there is a better portfolio. But ...
by indexonlyplease
Wed Jun 20, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Battle Of Passive Strategies
Replies: 71
Views: 6671

Re: Larry Swedroe: The Battle Of Passive Strategies

I was with a DFA advisor for about 3 years. The cost was 1.3% for advisor fees and ers. I learned a lot from the advisor about passive investing. Then I found this site and bought into the 3 fund portfolio. I did not believe the fee was worth it any longer. Also, the money was in my 457 fund and I h...
by indexonlyplease
Sun Jun 17, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 18
Views: 1366

Re: calculator to get to desire $$$

I entered the information into Firecal.com. The result show zero chance of running out of money. I did not including SS or pension. The question for me is I have a pension that covers my expenses. I just figure to let the portfolio grow for the next 6 years and then start using some of the interest...
by indexonlyplease
Sun Jun 17, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 18
Views: 1366

Re: calculator to get to desire $$$

I entered the information into Firecal.com. The result show zero chance of running out of money. I did not including SS or pension. The question for me is I have a pension that covers my expenses. I just figure to let the portfolio grow for the next 6 years and then start using some of the interest ...
by indexonlyplease
Sun Jun 17, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 18
Views: 1366

Re: calculator to get to desire $$$

I will look at all of them.

Thanks,
by indexonlyplease
Thu Jun 14, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: 47 and clueless - direction needed
Replies: 47
Views: 5421

Re: 47 and clueless - direction needed

With income of $33k ($21k taxable income after subtracting the $12k standard deduction), you are in the 12% Federal tax bracket. After you roll over (trustee to trustee transfer) your Franklin Templeton tax deductible IRA into a Vanguard rollover IRA (pre-tax), you may want to open a Roth IRA (afte...
by indexonlyplease
Thu Jun 14, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: calculator to get to desire $$$
Replies: 18
Views: 1366

calculator to get to desire $$$

I have a certain amount that I want to get to before I start taking money from my investments. At least 6 plus years. I am close but just decided on this number. Also, it has nothing to do with my spending ect. or withdraw amount. Can someone tell me what calculator to use. Meaning how many years wi...
by indexonlyplease
Thu Jun 14, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Mid 50s couple looking for a Portfolio Health Check up
Replies: 17
Views: 2378

Re: Mid 50s couple looking for a Portfolio Health Check up

Wow scary but great perspectives. Some questions on 401k and IRA. Thank you all I knew I will not be disappointed. This is gold. Is it 24.5k individually or combined that we can save in 401k? I was told by my cpa that since I participate in a workplace retirement plan and based on our household inc...
by indexonlyplease
Thu Jun 14, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Reconciling Buy-and-Hold philosophy with AA/TLH
Replies: 17
Views: 1299

Re: Reconciling Buy-and-Hold philosophy with AA/TLH

I believe for most they will never harvest losses because most of their investments are in tax deferred accounts. So when you sell you pay taxes at your current rate. But last year I started buying taxed investments. So yes I will be learning more on tax loss harvesting. At least I think I am correct.
by indexonlyplease
Thu Jun 14, 2018 6:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 41
Views: 5845

Re: Vanguard - You'll need to sign up for security codes soon

I just received an email from Vanguard Flagship Services addressed to my wife with the message "You'll soon be required to sign up for security codes". My wife won't touch a computer or a smartphone. I use my email address for both of our accounts. Will I get in trouble with Vanguard for using my p...
by indexonlyplease
Wed Jun 13, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 127
Views: 9864

Re: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]

For Dave Ramsey to be true to his listeners he would have to show us his investments for the last 30 yrs. or at least the length of his show. Not the amounts in $$ but the fund he has used. Then he can say he has really beat the market. I am s fan of Dave Ramsey and believe in his debt free lifestyl...
by indexonlyplease
Wed Jun 13, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5716

Re: Anyone with a paid off house drop homeowners insurance

I consider insurance a cheap cost to cover any possible loss. I pay for it like life insurance but I hope I never have to use it. I am sure if you cancelled the insurance than your house burned down you would wish you still had the insurance. My house has been paid off for years and I still pay the ...
by indexonlyplease
Wed Jun 13, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3226

Re: Vanguard Advisor Services

I would look at what your original reason for using Vanguard PAS. Also, if you cancel will it really make any big difference in your lifestyle and returns. Like you said you are getting older and worry about wife if you are gone. One day when older I believe I will think the same way. I am retired i...
by indexonlyplease
Wed Jun 13, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Makes Factors Endure
Replies: 55
Views: 3449

Re: Larry Swedroe: What Makes Factors Endure

Well I would say most of this is over most of our heads. Eventhough I read the books I still have a hard time understanding. So, if I own the 3 fund (which I do) I have bought into the belief that Total Market is the way to go for me. And I believe in Market Cap. Investing. So does this just tell me...
by indexonlyplease
Wed Jun 13, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Best Father's Day Gift You Ever Received (or wish you'd received)
Replies: 23
Views: 2278

Re: Best Father's Day Gift You Ever Received (or wish you'd received)

You are giving him the father's day gift every day. Going to medical school to be successful is what a dad wants for his kid. I would state a nice long phone call telling him how you are doing in life and school will be a great father's day gift. I have a 18 and 22 year olds in college and this is a...
by indexonlyplease
Wed Jun 13, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2576

Re: Trade-up my $89 Walmart bike

A retired friend of mine bought a 3G brand Newport 7 speed beach cruiser. He bikes 10 miles a day. Loves the bike because of the comfort riding. $459.00
by indexonlyplease
Tue Jun 12, 2018 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 75
Views: 9564

Re: Who uses the 3 fund portfolio ?

3 Fund here since 2015. Schwab Total Stock and Total International Stock. Stable Value(3%) for bonds. All in my taxed deferred plan.

I am going with the idea to keep this for the long term. Rebalance in January every year. My plan that I will stay with.
by indexonlyplease
Tue Jun 12, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 5388

Re: Another home thread: 2mil / 40K in taxes

I have no suggestion but when you quote this earning power at age 32, I would certainly like to know the industry and the job specific so that I can get my future grand-kids in those fields. It is too late for me or my kids to change the careers at this stage. I second that question for my college ...
by indexonlyplease
Tue Jun 12, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16559

Re: Life in retirement - what did you do today?

Yesturday got up ate breakfast went mountain biking for 2 hours with other retired friends. Then we played freesbie golf for 2 hours after lunch at park (this is our Monday routine) Today ate breakfast went to gym for 1 hr. Had lunch with wife. Now resting while watching tv. Tonight dinner and drink...
by indexonlyplease
Tue Jun 12, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 127
Views: 9864

Re: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]

I just found this on my taxed deferred account. Is this where my money should be?? AMCAP Fund(R) - Class R6 Trade restrictions may apply. Please refer to the fund prospectus for more information. Prospectus | Fact Sheet 3.40 19.40 10.95 14.36 10.86 11.98 05/01/1967 0.36 American Funds American Bala...
by indexonlyplease
Tue Jun 12, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]
Replies: 127
Views: 9864

Re: Interesting video from Ramsey today [How Ramsey Outperforms The Stock Market]

I just found this on my taxed deferred account. Is this where my money should be?? AMCAP Fund(R) - Class R6 Trade restrictions may apply. Please refer to the fund prospectus for more information. Prospectus | Fact Sheet 3.40 19.40 10.95 14.36 10.86 11.98 05/01/1967 0.36 American Funds American Balan...
by indexonlyplease
Sun Jun 10, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Windfall advice for an overwhelmed person
Replies: 76
Views: 6032

Re: Is Bogleheads not right for me? Trying to generate monthly income before retirement

You sound like my cousin. You keep asking the same question until someone tells you want to hear. I think you need a really good tax person and then a really good financial advisor at Vanguard for advice. Payoff the student loan and get a job in the career. How are you unemployed with a degree that ...
by indexonlyplease
Sat Jun 02, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: If I began investing at 22 by maxing my 401K, how much would I have today?
Replies: 17
Views: 2024

Re: If I began investing at 22 by maxing my 401K, how much would I have today?

We can all guess what would of had but it's hard to account for all the investing mistakes one could make. Anyone with a long history of investing has made many mistakes along the way. So, there is only the dream of a perfect investment. Which you could start now if you follow the advise on the blog...
by indexonlyplease
Fri Jun 01, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3530

Re: Sherwin Williams paint

Doing interior painting for our single family home starting next week, yet to buy the paint. Decided to go with Sherwin Williams brand. Just checked the website and found there is a 30% sale going on, I need to stop by at the store tomorrow and check. Do they have usually all colors available in th...
by indexonlyplease
Wed May 30, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 8464

Re: Can we retire in 2018?

But why would someone retire young and only live off of 50% or less of there income. Why not work longer and secure the 70-80% that will help secure a good retirement income. I doubt many are living off 50% of there income for 20-30 years then retire. It takes many 30 years to pay off there house. ...
by indexonlyplease
Wed May 30, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 8464

Re: Can we retire in 2018?

I guess I am a little bias because I worked towards the 80% then retired early. But only after I had enough to secure living the same lifestyle. I'm also a little confused how you managed to save enough to retire early, when you were only saving 20% (I guess we'll just ignore taxes). Can give you u...
by indexonlyplease
Wed May 30, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 8464

Re: Can we retire in 2018?

But why would someone retire young and only live off of 50% or less of there income. Our family income was $200k+ for about 5 years. Yet we lived comfortably on less than $100k. I retired at 60. I could have continued working, perhaps until I died. But that was never the plan. Why would I change my...
by indexonlyplease
Wed May 30, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 8464

Re: Can we retire in 2018?

But why would someone retire young and only live off of 50% or less of there income. Why not work longer and secure the 70-80% that will help secure a good retirement income. I doubt many are living off 50% of there income for 20-30 years then retire. I want to retire at 50 (after an 18 year career...
by indexonlyplease
Wed May 30, 2018 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 8464

Re: Can we retire in 2018?

Some good responses. But why would someone retire young and only live off of 50% or less of there income. Why not work longer and secure the 70-80% that will help secure a good retirement income. I doubt many are living off 50% of there income for 20-30 years then retire. It takes many 30 years to p...
by indexonlyplease
Tue May 29, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 8464

Re: Can we retire in 2018?

What I would be more concern is maybe you may not have enough. What was 50k a year compared to your salaries? I like the idea of retiring with almost the same salary as when working.. Expenses have very little to do with your salary (except expenses better be less!) Current salary should almost nev...
by indexonlyplease
Tue May 29, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 13930

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

Pay off that mortgage. It will give you great pleasure not paying that monthly payment. And like you said guaranteed 3.6%. Many are against paying off the mortgage because they are unable to or believe chashing low yeilds are better. Also, many here have not seen a down market or years. I paid my 15...
by indexonlyplease
Tue May 29, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 8464

Re: Can we retire in 2018?

If you both have good jobs than I say no. If you both had pensions I would say yes. You may want to continue to work unless you have major plans to move and start other lif experiences. Like the house in the mountains is waiting for you. Why, I retired early 52 yrs old 2 years ago. With pension and ...
by indexonlyplease
Sun May 27, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 30
Views: 3810

Re: Peloton spin bike worth the high cost?

3k is 5 years of gym mebership that has both weights and spin class for free.

My mountain bike cost that much and is way more fund then sitting on a bike looking at a screen.
by indexonlyplease
Sat May 19, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 134
Views: 9255

Re: Dave Ramsey it or keep low interest debt

I doubt any millionaire attributes their wealth to the spread on investments made vs. low APR CONSUMER debt. I think you could even expand this discussion to cash back credit cards that offer small rewards. During a purchase, has your mind ever said, “at least I get 2% cash back on this large purch...