Search found 444 matches

by 2pedals
Mon Jan 01, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Company Stock - % in portfolio
Replies: 21
Views: 2100

Re: Company Stock - % in portfolio

I would say no more than what is already in the total stock market index. I don't believe in investing in the same company your are employed by. Too much risk and your investing decisions could easily be biased by company PR. As a young engineer I was given company stock as part of a profit sharing ...
by 2pedals
Sun Dec 31, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement decision help!
Replies: 68
Views: 6716

Re: Retirement decision help!

For me, one of the main benefits of the annuity is a cash stream before SS that lets me reduce the amount of money I need to pull from the Tax deferred accounts for expenses. It also serves as protection against Sequence of Returns Risk at the start of my retirement. I'm just sort of thinking out l...
by 2pedals
Sun Dec 31, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's voice is in my head...(Updated 12/31/2017)
Replies: 101
Views: 15979

Re: Dave Ramsey's voice is in my head...(Updated 12/31/2017)

Financially you did amazing!

Congratulations on your beautiful baby #2 girl! ... :beer
by 2pedals
Sun Dec 31, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 734
Views: 204347

Re: Share your net worth progression

These are just retirement accounts since we don't track everything in one place. Rough numbers... $50K 12/31/05 $80K 12/31/06 $107K 12/31/07 $104K 12/31/08 $162K 12/31/09 $219K 12/31/10 $250K 12/31/11 $320K 12/31/12 $435K 12/31/13 $520K 12/31/14 $595K 12/31/15 $750K 12/31/16 $980K 12/31/17 Updated ...
by 2pedals
Sun Dec 31, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds Simple IRA Front End Load Fee of 5% when is it too much
Replies: 5
Views: 821

Re: American Funds Simple IRA Front End Load Fee of 5% when is it too much

All, Thanks so much for your help. We have made our decision for this year, unless someone can convince me otherwise. DW wife will continue investing in American Balanced Class A Fund for the following reasons. Hassle factor #1: open a new Simple IRA (we use Fidelity and they will charge a $25 annua...
by 2pedals
Sun Dec 31, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 152
Views: 29797

Re: How Do You Like My New 'Doo

So what happened in 2017? Why did my performance at 15.01% trail the blended 47% US Stocks/19% International Stocks/34% Bonds blended index which returned 16.39%. First is fee drag, my estimated fund and ETF fund ratios, trading commissions, and annuity expenses came out to 0.474%. My blended 47/19...
by 2pedals
Sat Dec 30, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement decision help!
Replies: 68
Views: 6716

Re: Retirement decision help!

My initial plan was to take the 3.2 million and create a simple portfolio with a 60-40% (60 in stock) or 50-50% asset allocation with Vanguard for my retirement. Periodically, quarterly or every 6 months withdraw a portion for my expenses. There is a better then average chance that i will work part...
by 2pedals
Sat Dec 30, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Retirement decision help!
Replies: 68
Views: 6716

Re: Retirement decision help!

I am in a very similar situation with very similar numbers as yours. Well over 1M savings and lump sum just over 1 million with an annuities of about 65K 100% J&S and 74K single life. My plan is to retire in early 2019. I believe I will be taking to 100% J&S. Like others have mentioned previously it...
by 2pedals
Fri Dec 29, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: How best to invest $8K per month?
Replies: 10
Views: 1960

Re: How best to invest $8K per month?

If this $8k is all taxable, I would do the following For your taxable account use all stocks and distribute at about 85% US total stock market index and 15% international index. Avoid bonds, CDs and anything that will add to your adjusted income in your taxable account. For your 401k and tIRA adjust...
by 2pedals
Wed Dec 27, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds Simple IRA Front End Load Fee of 5% when is it too much
Replies: 5
Views: 821

Re: American Funds Simple IRA Front End Load Fee of 5% when is it too much

That load is always too much. This plan is a Form 5305 SIMPLE, with American as the DFI (Designated Financial Institution) While subject to a certain amount of hassle, her solution is to establish a "transfer SIMPLE IRA" elsewhere. Upon her request American will have no choice but to transfer her S...
by 2pedals
Wed Dec 27, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds Simple IRA Front End Load Fee of 5% when is it too much
Replies: 5
Views: 821

American Funds Simple IRA Front End Load Fee of 5% when is it too much

DW is 57 years old has been investing ($15,500) in the American Balanced Fund with an ER = 0.60% with a front end load fee of 5%. No passive funds are available in the simple IRA. Employer contributes an nonelective (not matching, always 2%). contribution of 2%. I plan on retiring in 2019, she plans...
by 2pedals
Tue Dec 19, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 4998

Re: opinions requested on student college decision / financial related

Don't ignore the costs or room, board, transportation costs and materials, can be quite pricey as well. I would add ~15-20K for that as well, unless your daughter commutes to school. I had a similar situation but I wanted to send my daughter to a in state school but was overruled by DW and DD. She a...
by 2pedals
Mon Dec 18, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 15145

Re: Paul Merriman and Small Cap Value

I am nearing retirement with an AA of 40% stocks and 60% bonds and see no need for SCV specific risk in my portfolio. After I understand what my new life in retirement will be like, I then may add more risk and change my AA to 50/50 or something like that using the three-fund portfolio.
by 2pedals
Sun Dec 17, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Which bike?? Please help.
Replies: 13
Views: 1447

Re: Which bike?? Please help.

The Trek 930 26er is the only single speed. I would go with that for only $50, not much can go wrong with that if in good condition.
by 2pedals
Sun Dec 17, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Should I call the authorities to report a potential ponzi scheme (involving Bitconnect)?
Replies: 34
Views: 4146

Re: Should I call the authorities to report a potential ponzi scheme (involving Bitconnect)?

Unless you have some unique information to add to Bitconnect activities, you are bystander with no insider information. You know less than what the authorities already know.
by 2pedals
Sat Dec 16, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Two commas, I'm calling it
Replies: 20
Views: 4912

Re: Two commas, I'm calling it

Awesome 2 bits

Makes me happy to see good people making the club.
:sharebeer
by 2pedals
Thu Dec 14, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?
Replies: 176
Views: 6795

Re: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?

omg now SPY is 266.79 way below where I sold. The markets are completely insane. [Edit: never mind these quoted prices were fake because the market closed at 8PM EST] As a math major SPY of 266.79 should not be shocking, most of November was below 260. You should read this Scientific American artic...
by 2pedals
Wed Dec 13, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 28056

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

CnC wrote:
Wed Dec 13, 2017 2:01 pm
People understand that Bitcoin has no actual value right?
No intrinsic value and all extrinsic value.
by 2pedals
Wed Dec 13, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 80
Views: 8721

Re: Done gone and did it [Retire]

Congratulations Earl
:sharebeer

I am looking forward to my post in a little over a year from now and my farewell email to my colleagues at work. Perhaps a good topic for a new thread would be how to create an unique and attractive email that will have lasting impressions.
by 2pedals
Tue Dec 12, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 66
Views: 4352

Re: Automated Market Timing

For me a "smoother ride" is an asset allocation that fits my risk tolerance so that I can stay the course during large markets drops.

"One thing that I strongly urge: Don't ever, ever, ever if you're an investor think of being out of the market or in the market," Bogle said
by 2pedals
Tue Dec 12, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 66
Views: 4352

Re: Automated Market Timing

Market timing works for stocks the are cyclical and predictable. Unfortunately stocks are not cyclical and are not predictable. When back testing with an analytical tool, you may find that some stocks act like they are cyclical and predictable and appear to "look good" for a money making scheme. Thi...
by 2pedals
Tue Dec 12, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: RMD and Roth IRA conversions
Replies: 13
Views: 1953

Re: RMD and Roth IRA conversions

I am 58 and plan on to retire in about 1 year. After I retire, the assets the I convert from 401k and TIRA to Roth should be "long term" and will avoid RMD's after 70.5. For me the biggest advantage to Roth accounts is in legacy estate planning. I believe my DD (a professional) will be in a higher t...
by 2pedals
Mon Dec 11, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: After a 2- or 3-fund solution, the rest is withdrawals and world events
Replies: 17
Views: 2063

Re: After a 2- or 3-fund solution, the rest is withdrawals and world events

I like a 2% WR but will likely be going for a 2.5% rate for the near-term future. I know some of you think that’s low and I have a few thoughts on this. ...<---cut----> Bottom line, we are all dependent on the economy and the thin patina of civilization, but only have control over our withdrawals. ...
by 2pedals
Thu Dec 07, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why ORP-I suggests you spending down aft-tax saving 1st?
Replies: 29
Views: 2718

Re: Why ORP-I suggests you spending down aft-tax saving 1st?

I'm confused by this thread. You would set the AA the same in each account if you didn't want I-ORP to spend money from the account that had the lowest returns first, and you just wanted to see what the recommendation would be if the AA is the same. agreed But most people don't have the same AA in ...
by 2pedals
Thu Dec 07, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Why ORP-I suggests you spending down aft-tax saving 1st?
Replies: 29
Views: 2718

Re: Why ORP-I suggests you spending down aft-tax saving 1st?

randomguy wrote: I agree with other people in that you have to make sure the returns are the same in all the accounts (same AA and expected returns) or i-ORP will just resort to spending the account with the lowest return first in most cases. I have made that mistake more than once:) I have struggl...
by 2pedals
Wed Dec 06, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2745

Re: 112K pension- need help w/the rest

The only problem I see with the Fidelity four-in-one approach is that your will be stuck with that asset allocation and most people do not recommend a AA of 70% to 85% equity in retirement as you get older you may want less stocks i.e. 50%. I would rather have the control of defining my AA by using ...
by 2pedals
Tue Dec 05, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio - Retirement income as the bond allocation?]
Replies: 13
Views: 1442

Re: [Three fund portfolio - Retirement income as the bond allocation?]

You may want to read Wade Pfau's new book, it is discussed in the following thread. I am reading it now and find it quite informative and interesting.

viewtopic.php?t=229814
by 2pedals
Sat Dec 02, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 11137

Re: Which crash have you seen it before it is coming?

Looking back at all of my investing years 30+, I did not really predict anything well at all. I had some wins and then big losses in 2007-2008. I spent a lot of time worrying about crashes. I wish I learned to stay the course at a young age because nobody knows nothing. I tended to worry too much ab...
by 2pedals
Sun Nov 26, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 12850

Re: Didn't buy Bitcoin at $4600

Even if you happen to win the lottery, it doesn't mean you're not an idiot for having played. Not a very good analogy. In the lottery, only one out of millions can win. In Bitcoin, many many folks can win, perhaps 1/3 to 1/2 of those who have played, just by buying and then selling 1-3 years later....
by 2pedals
Sat Nov 25, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pay this off now or not?
Replies: 33
Views: 2965

Re: Pay this off now or not?

My order would be get any available employer match, use a Health Savings Account (HSA), fund all available retirement accounts, use Roth backdoor or/and mega backdoor and pay off your debt in order of highest interest rate first (that would be your mortgage first not your student loans). You have a ...
by 2pedals
Fri Nov 24, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 14186

Re: Help DW gets fired, but then next day her boss offers her job back

I really think her boss is unethical for doing this and maybe breaking the U.S. labor laws for job classification. When her boss fired her and rehired her, effectively switching her from exempt to non-exempt her job function must change. He should be taking away some of the her job functions, such a...
by 2pedals
Fri Nov 24, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 14186

Re: Help DW gets fired, but then next day her boss offers her job back

Payoffhouse wrote:
Fri Nov 24, 2017 6:11 pm
Boss explained to her that he can no longer afford her salary.
What about the salary for everybody else?
by 2pedals
Fri Nov 24, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: WSJ - Wall St. Predictions Wrong Again
Replies: 7
Views: 1757

Re: WSJ - Wall St. Predictions Wrong Again

When the experts were the least optimistic for the S&P 500 in 2008, guess what happened? :oops:
by 2pedals
Fri Nov 24, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Discovered debt
Replies: 63
Views: 8471

Re: Discovered debt

The past, it's done. It took so a shockingly long time to figure out the husband created $200k in dept. I think the plan forward is to make certain he does not create more dept and somehow pays for his bad behavior.
by 2pedals
Fri Nov 24, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3465

Re: Bicycle wheels - what's a reasonable budget

Many options are available at Bicycle Wheel Warehouse. I have ordered from them in the past, they did an excellent job. YMMV.
by 2pedals
Wed Nov 22, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 14186

Re: Help DW gets fired, but then next day her boss offers her job back

I also vote for "don't go back, no matter what." How insulting of her boss to fire her, then ask her to come back (!) at 25% reduced pay (!!). I also have to say that, from an outsider's perspective, it certainly looks suspicious that they tried to fire a new mother who has presumably just returned...
by 2pedals
Wed Nov 22, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 14186

Re: Help DW gets fired, but then next day her boss offers her job back

If it were me, I don't think I would ever go back. Her boss fired her and want to hire her back at less pay and less benefits. They have vicious intentions. Keep a copy of the pink slip and new offer, it might help her explain things when looking for a new job.
by 2pedals
Wed Nov 22, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 25
Views: 1455

Re: Slanting International geographically or regionally

Why would you think this would improve your returns?
by 2pedals
Wed Nov 22, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 9883

Re: Interesting ride so far - Crypto-curriencies

I see the word here used as an "investment". Holding cryto-curriencies is not an "investment", it is "speculation". I believe it is dangerous to confuse the two. Do not confuse speculation with investments and not change your investment plan, it could be harmful to your future.
by 2pedals
Tue Nov 21, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: Tax Basics Cheatsheet?
Replies: 9
Views: 1718

Re: Tax Basics Cheatsheet?

I have this sneaking suspicion that very rich little boys and girls get a talking to early in their lives from their parents that instills in them what numbers to look for and whether to know if that's a good thing or a bad thing. :D Even if true, why would you care? If you are not rich your taxes ...
by 2pedals
Mon Nov 20, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Looking for Black Friday tax software deals (HRBlock)
Replies: 17
Views: 2244

Re: Looking for Black Friday tax software deals (HRBlock)

This post by DarkNyte on Nov. 11 has a link to a discount

viewtopic.php?t=232071
by 2pedals
Fri Nov 17, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Why is there talk of a bond bubble?
Replies: 8
Views: 1085

Re: Why is there talk of a bond bubble?

I wouldn't say it's a bubble. I think most investors like me are a worried that the interest rates are historically low. If the federal reserve raises the discount rate interest, bond yields will increase and result with lower bond prices. The federal reserve has been slowly raising the discount ra...
by 2pedals
Fri Nov 17, 2017 8:08 am
Forum: Investing - Theory, News & General
Topic: Why is there talk of a bond bubble?
Replies: 8
Views: 1085

Re: Why is there talk of a bond bubble?

I wouldn't say it's a bubble. I think most investors like me are a worried that the interest rates are historically low. If the federal reserve raises the discount rate interest, bond yields will increase and result with lower bond prices. The federal reserve has been slowly raising the discount rat...
by 2pedals
Wed Nov 15, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Help deciding between Wellesley and 4 Corporate Bond Index Funds
Replies: 14
Views: 2023

Re: Help deciding between Wellesley and 4 Corporate Bond Index Funds

I'm looking for some advice Have 300k to invest, primary goal is preservation - income. Trying to decide between going with 50K Prime Money Mkt And 25% each to: VSCSX Short Corp Bond VICSX Int. Corp Bond VFIIX GNMA VWEHX High Yield OR: Perhaps adding the Wellesley Income Fund also? I think you set ...
by 2pedals
Sun Nov 12, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 2238

Re: Are we headed for a crash or...

Is this just the beginning? Of course past is no prediction of the future but I found this chart pretty interesting. https://www.beacontechnologies.com/blog/wp-content/uploads/2014/02/17-year-stock-market-cycle.jpg The beginning is now, but nobody knows nothing Nobody knows nothing is a double nega...
by 2pedals
Sun Nov 12, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Are we headed for a crash or...
Replies: 19
Views: 2238

Re: Are we headed for a crash or...

Bigbonds wrote:
Sun Nov 12, 2017 12:35 pm
Is this just the beginning? Of course past is no prediction of the future but I found this chart pretty interesting.

https://www.beacontechnologies.com/blog ... -cycle.jpg
The beginning is now, but nobody knows nothing
by 2pedals
Sat Nov 11, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: My favorite bond portfolio
Replies: 19
Views: 3343

Re: My favorite bond portfolio

I am intrigued however by having the 3 different funds instead of 1 Total Bond Fund, for the fact that these 3 bond funds will behave in different ways at different times, and it might be nice to have your choice of fund to pull from, in the event that you want to rebalance, or you need to withdraw...
by 2pedals
Thu Nov 09, 2017 8:45 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Slaughtering The High Dividend Sacred Cow
Replies: 192
Views: 15371

Re: Larry Swedroe: Slaughtering The High Dividend Sacred Cow

How about fund that includes all of the nondividend stocks (TSM-Div. stocks) that can be placed in a taxable account and a fund that includes all of the the dividend stocks (TSM-nondividend stocks) that can be placed in a tax advantaged account?
by 2pedals
Tue Nov 07, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 6439

Re: Eye Doctor $30 to get your Rx? Is this normal?

Hello, My wife has been complaining about her vision for a while, decided to see an MD Ophthalmologist that participates in our HMO. We called and verified a $20 copay for the eye exam. She received her full eye exam, but our VSP vision plan, separate from the HMO, does not cover lenses and frames ...
by 2pedals
Fri Nov 03, 2017 7:22 am
Forum: Investing - Theory, News & General
Topic: History of World Stock Market Bubbles, 1900-2014
Replies: 38
Views: 4367

Re: History of World Stock Market Bubbles, 1900-2014

Simplegift, thanks for the post

Good to know that nobody knows nothing. Now the question I have is why do the fund managers and gurus get paid so much for knowing nothing? The people forking over the dough know just as much as the gurus.