Search found 1034 matches

by Engineer250
Mon Jan 22, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 5966

Re: Discussing a 529 with your kids

On the major selection topic- I went back to school for a second time on my own dime while working to get my engineering degree. My parents paid for a state school while I lived at home and a liberal arts degree that I thought was employable but wasn’t. I suggest people sit down with their kids and ...
by Engineer250
Fri Jan 19, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 140
Views: 21300

Re: GE and the myth of "safe blue-chip stocks"

I don’t have any interest in buying individual stock. But I’d love to be the next CEO of GE trying to turn it around. Sounds like a fascinating challenge. GE board members can PM me 8-)
by Engineer250
Fri Jan 19, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?
Replies: 34
Views: 2981

Re: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?

I've got nothing. Let me just say I read the entirety of The Bond Book by Annette Thau (an exceptional, very detailed book), and if you were to ask her which of these two funds would she recommend, I haven't a doubt in my mind Annette would say 100% G (vs. F) any day of the week. A ~ 7 year treasur...
by Engineer250
Fri Jan 19, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6844
Views: 1495162

Re: U.S. stocks in freefall

Guess the stock market was really troubled by the impending government shutdown today. Oh wait never mind. :twisted:
by Engineer250
Fri Jan 19, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?
Replies: 34
Views: 2981

Re: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?

If I were younger (and I am) and had access to the G fund (I do not) I would not put 10% into the G fund. What are you going to do with it? Rebalance in an equity crash, a flight to quality situation, most likely. The G fund will not appreciate when interest rates fall (which since 2000 has tended ...
by Engineer250
Fri Jan 19, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?
Replies: 34
Views: 2981

Re: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?

The G Fund is one of the only "free lunches" around. Unlike the F Fund, the G Fund has no credit risk, no duration risk, and is subject only to upward volatility. It's essentially cash with the yield of an intermediate term bond fund. Investors may hold "less" of the G Fund to achieve the same leve...
by Engineer250
Thu Jan 18, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension Vs Higher salary + 401k savings plan
Replies: 35
Views: 3736

Re: Federal pension Vs Higher salary + 401k savings plan

Stan I’d retired just after the ability to convert some SL to creditable time, but had to use quite a bit for surgeries and recovery over the prior few years, and the resultant addition was almost negligible, so I do understand (I’d had over 2k hours of SL before then). But even then, over 2k hours...
by Engineer250
Thu Jan 18, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension Vs Higher salary + 401k savings plan
Replies: 35
Views: 3736

Re: Federal pension Vs Higher salary + 401k savings plan

I left the private sector for a fed job. The commute was worse. But more importantly, the pace of everything was agonizingly slow. I felt like nothing I did mattered. I thought I could handle a more laid back job, but turns out I could not. After two years I returned to private industry. Everyone ha...
by Engineer250
Thu Jan 18, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 15868

Re: 70% chance of correction according to Vanguard - Highest in 15 years

Ah, but it's possible the 10% correction could start 20% higher than where we are now. :wink: And if it were to happen tomorrow, a 10% correction in the US market would only take us back to the beginning of October 2017, a little over 3 months ago. Amazing, really. Vanguard Total Stock Market Index...
by Engineer250
Wed Jan 17, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 15868

Re: 70% chance of correction according to Vanguard - Highest in 15 years

Ah, but it's possible the 10% correction could start 20% higher than where we are now. :wink: And if it were to happen tomorrow, a 10% correction in the US market would only take us back to the beginning of October 2017, a little over 3 months ago. Amazing, really. Vanguard Total Stock Market Index...
by Engineer250
Wed Jan 17, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 114
Views: 11292

Re: likely date for a bitcoin crash: does this make sense to you?

Nobody know nuthin’. Predictions of the exact time frame of the next crash (Bitcoin or anything else) are worthless. +1 I find it highly amusing that many on this forum love to spout about the folly of active investing and trying to time the market, but then in the next breath they call Bitcoin and...
by Engineer250
Wed Jan 17, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: A question that keeps coming to my head
Replies: 13
Views: 1307

Re: A question that keeps coming to my head

1 - in general very few people on here recommend someone be 100% equities, but there are plenty for whom S&P 500 makes up their entire equity portfolio. 2 - this is a really odd slice and dice portfolio. What led you to the percentages you picked? Why? When you say “real assets” are you suggesting t...
by Engineer250
Wed Jan 17, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 8446

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

What a strange thing to say. I spend time on Bogleheads because it is interesting and I continue to learn things. It isn’t as if once you retire, even with adequate savings and income, that you are somehow home free. And because I hope I can provide information/suggestions to others who post questi...
by Engineer250
Wed Jan 17, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 8446

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

What I am looking for are behavioral signs. What specific behaviors do you observe that make that light bulb go off in your head? 2018 will be a big increase for me in retirement contributions. Therefore, I know it won’t be a down year because then I could be buying at a discount. I think other tha...
by Engineer250
Wed Jan 17, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: The Free market Takes care of itself. EJ loses
Replies: 14
Views: 1754

Re: The Free market Takes care of itself. EJ loses

I think it’s expert bias. I sent the If You Can to my sister and had a few conversations with her to make sure she was saving for retirement (I knew they were saving, but just in bank accounts). She chose to invest in Vanguard but through her current bank, Wells Fargo. They’ve had WF for banking for...
by Engineer250
Tue Jan 16, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 8446

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

What I am looking for are behavioral signs. What specific behaviors do you observe that make that light bulb go off in your head? 2018 will be a big increase for me in retirement contributions. Therefore, I know it won’t be a down year because then I could be buying at a discount. I think other tha...
by Engineer250
Mon Jan 15, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 5595

Re: Nostalgic about old online brokerages that no longer exist

I wonder if others have similar stories of their meandering accounts over the years. Or do Bogleheads just open up an account with Vanguard or Fidelity right out of high school and never look back? Do people straight out of high school have money to invest? I still don’t have any money in an after ...
by Engineer250
Sat Jan 13, 2018 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 11973

Re: Our 'cure' for emergency expenses

Replacing something like HVAC equipment is not usually an unexpected expense; you can usually see it coming and save for it appropriately. Specifically, replacing HVAC components is often all that's really necessary, and the expense for that is usually under $1k in my experience. Cool, I hope I can...
by Engineer250
Sat Jan 13, 2018 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market and savings rate increases
Replies: 8
Views: 2030

Re: Capital One 360 Money Market and savings rate increases

Yay! Thanks for posting, I'd have missed it and it's nice to celebrate the little things. Finally got $10k in my account about a month ago and set up the MM at 1.3%. 1.4% is even better and I'm pleased rates are crawling up.
by Engineer250
Fri Jan 12, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Lower tax rates for 7 yrs.-Are you switching to Roth 401K
Replies: 65
Views: 6656

Re: Lower tax rates for 7 yrs.-Are you switching to Roth 401K

My current Roth v. Pre-Tax balances are about 25% and 75% of my total retirement savings. I would like to get it closer to 50/50. So yes, as a combo of the new tax rates combined with the fact that I think in 2-3 years we'll bump up another tax rate due to increasing income, I plan to devote some po...
by Engineer250
Thu Jan 11, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6844
Views: 1495162

Re: U.S. stocks in freefall

livesoft wrote:
Thu Jan 11, 2018 9:56 am
Engineer250 wrote:
Thu Jan 11, 2018 9:35 am
REIT down over a percent today. Guess when I rebalanced and bought some a few weeks ago was too soon, oh well :beer
I think you mean "yesterday" based on the time stamp of your post. :)
Yes :oops:

Something-something time difference market opens *cough*
by Engineer250
Thu Jan 11, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Dollar and age amount for Pre-Tax vs. Roth 401(k)
Replies: 16
Views: 1243

Re: Dollar and age amount for Pre-Tax vs. Roth 401(k)

I can say that I don't live like a monk. In the past 12 months, I've been to China, Northern British Columbia, Vancouver, New York (twice), Yosemite, Chicago, San Francisco and away from home about 3 months out of 12 and my spouse has been to Spain, Pittsburgh, Seattle, Park City, Turkey, and a few...
by Engineer250
Thu Jan 11, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Dollar and age amount for Pre-Tax vs. Roth 401(k)
Replies: 16
Views: 1243

Re: Dollar and age amount for Pre-Tax vs. Roth 401(k)

OP, Look around you. Are there many 50 to 60 years folks working at your employer? KlangFool Yes. A lot. The largest group of people is probably 40-60. There is a not insignificant number of folks working past 65 as well. For instance, using Schwab's RMD calculator: a 30 year old with $150,000 in p...
by Engineer250
Thu Jan 11, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Dollar and age amount for Pre-Tax vs. Roth 401(k)
Replies: 16
Views: 1243

Re: Dollar and age amount for Pre-Tax vs. Roth 401(k)

If we had an RMD of $56,308 today, then we would have no income tax liability in 2017. That's with filing MFJ after exemptions, deductions, and credits. And that is no before-tax retirement plan contributions, no before-tax health insurance contributions, etc. That leaves room for SS benefits, too....
by Engineer250
Thu Jan 11, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6844
Views: 1495162

Re: U.S. stocks in freefall

REIT down over a percent today. Guess when I rebalanced and bought some a few weeks ago was too soon, oh well :beer
by Engineer250
Wed Jan 10, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: Dollar and age amount for Pre-Tax vs. Roth 401(k)
Replies: 16
Views: 1243

Dollar and age amount for Pre-Tax vs. Roth 401(k)

There's been a few threads already on the new tax rates and whether that makes a Roth 401k more appealing. Especially when you include the sunset provisions to the current tax rates. I've also read people in the past discussing that when RMDs on your pre-tax balance fill up the equivalent to whateve...
by Engineer250
Wed Jan 10, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: I'm Simply Not on the Same Plane As You
Replies: 25
Views: 4880

Re: I'm Simply Not on the Same Plane As You

<<Medicaid will pick up the slack if they can't take care of me.>> I would caution you about this assumption, unless you are very clear on the eligibility rules and the covered long term care services of Medicaid. First, Medicaid eligibility may be denied based on the transfer of assets, depending ...
by Engineer250
Tue Jan 09, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 6 Fund recommendation
Replies: 13
Views: 2673

Re: The Three-Fund Portfolio

OK What 3 fund or ETF's and in what proportions? 3 Fund Portfolio can be made from various options depending on your brokerage. The wiki includes information on suggested funds: https://www.bogleheads.org/wiki/Three-fund_portfolio How much in bonds to hold is generally referred to as one's asset al...
by Engineer250
Mon Jan 08, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 6 Fund recommendation
Replies: 13
Views: 2673

Re: The Three-Fund Portfolio

What ratios should be used for the 3 fund portfolio? https://www.bogleheads.org/wiki/Asset_allocation 3 funds is not as good as the 2 fund. If you are using backtesting, you mean WAS not as good. If we could use backtesting to pick the best stocks we would all be stock pickers. Why then the 3 Fund ...
by Engineer250
Mon Jan 08, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 6 Fund recommendation
Replies: 13
Views: 2673

Re: The Three-Fund Portfolio

boyntonstu wrote:
Mon Jan 08, 2018 5:28 pm
What ratios should be used for the 3 fund portfolio?
https://www.bogleheads.org/wiki/Asset_allocation

boyntonstu wrote:
Mon Jan 08, 2018 5:28 pm
3 funds is not as good as the 2 fund.
If you are using backtesting, you mean WAS not as good. If we could use backtesting to pick the best stocks we would all be stock pickers.
by Engineer250
Mon Jan 08, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Recessions in the USA (list) - Where are we now? Actionable Steps?
Replies: 31
Views: 3000

Re: Recessions in the USA (list) - Where are we now? Actionable Steps?

We're no where close to a recession in SoCal. Can't find unskilled help unless you pay twice the minimum wage. This indicates a labour shortage. Home depot is always full and the stock is doing extremely well. Home renovation is a good indicator of a flush consumer. I'd be surprised if we saw a rec...
by Engineer250
Mon Jan 08, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Recessions in the USA (list) - Where are we now? Actionable Steps?
Replies: 31
Views: 3000

Re: Recessions in the USA (list) - Where are we now? Actionable Steps?

badbreath wrote:
Sun Jan 07, 2018 8:02 pm
Well I think I can predict the recession. It will be 2020 when I retire :beer
2020 is my pick too. Should be able to max out contributions for the first time ever starting this year. So there definitely won't be a stock market dip this year or next. 2020 or later. Sorry.
by Engineer250
Mon Jan 08, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: Contemplating a sector bet: India
Replies: 20
Views: 2242

Re: Contemplating a sector bet: India

India looks expensive on pe. I want to diversify and learn to do more than my basic indexing. Why do you think India is a good investment. Are there any India newsletters or sites that you recommend? In my case part of it is, I know many, many H1Bs and immigrants who are voluntarily returning to In...
by Engineer250
Sun Jan 07, 2018 10:51 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 211
Views: 21429

Re: Memo to those who have won the game: it's time to quit playing

I can't believe that with all these wealthy Bogleheads around that I seem to be the only one who thinks I have enough to get by without betting on stocks, and probably even handle the high cost of assisted living and long-term care if it comes to that. And I don't exactly think I'm wealthy. What ar...
by Engineer250
Sun Jan 07, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 211
Views: 21429

Re: Memo to those who have won the game: it's time to quit playing

For many people $72K to $100K a year is less than they are spending while healthy and living at home. How can that be when everyone tells me my income will be low in retirement and my taxes therefore will be low therefore I should always be pre-tax 401k instead of Roth? Doesn't sound like > $100k s...
by Engineer250
Sun Jan 07, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 211
Views: 21429

Re: Memo to those who have won the game: it's time to quit playing

For many people $72K to $100K a year is less than they are spending while healthy and living at home. How can that be when everyone tells me my income will be low in retirement and my taxes therefore will be low therefore I should always be pre-tax 401k instead of Roth? Doesn't sound like > $100k s...
by Engineer250
Sun Jan 07, 2018 3:41 pm
Forum: Investing - Theory, News & General
Topic: CAPE Fear: Why CAPE Naysayers Are Wrong
Replies: 125
Views: 11664

Re: CAPE Fear: Why CAPE Naysayers Are Wrong

First, if you haven't rebalanced your portfolio in a while, this might be a good time to do so. Excellent advice. I was surprised on the "it's time to quit playing" thread how many folks who were within 10-15 years of retirement who had allowed their stock percentage to grow above their former AA a...
by Engineer250
Sat Jan 06, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: So ambitious w/ money but so risk-averse
Replies: 31
Views: 3402

Re: So ambitious w/ money but so risk-averse

Oh, and read some Jonathan Clements about "finding a job that makes you happy." He's totally against it. He recommends you find a job that pays you a lot so when you're in your 50s you can do a job that makes you happy. When I talk to college students, I don’t tell them to follow their dreams. Inst...
by Engineer250
Sat Jan 06, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 33748

Re: Anyone tired of the stock market going up?

I feel like the lack of volatility is lulling investors into believing that the stock market is "safe". The next correction is going to surprise some folks. It has been a bizarrely steady climb ever since the presidential election. Not much news aside from the tax bill, yet the market just marches ...
by Engineer250
Sat Jan 06, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I buy a one B/B apt in Bay Area? Help needed, please.
Replies: 18
Views: 1793

Re: Shall I buy a one B/B apt in Bay Area? Help needed, please.

Don't underestimate the risk of there being an earthquake that will damage your property if you buy. When I lived in the Bay Area my best guess was that if I bought a house there it might have significant earthquake damage once in 200 years, be sure to do your own research. That does not sound too ...
by Engineer250
Sat Jan 06, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: adding vwo to vxus? how much emerging market tilt?
Replies: 6
Views: 1031

Re: adding vwo to vxus? how much emerging market tilt?

VXUS tracks the FTSE Global All Cap ex US Index. It already includes approximately 19.8% emerging markets per the current index. I don't overweight emerging markets personally and use the index as my guideline that between all my accounts emerging should make up between 18 and 20% of my total intern...
by Engineer250
Thu Jan 04, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: So ambitious w/ money but so risk-averse
Replies: 31
Views: 3402

Re: So ambitious w/ money but so risk-adverse

As another user mentioned, I'm not so sure about doing something completely different. I have degree in Criminal Justice. Started out as a 911 operator (hated every second), then had an entry level security job, and now my current job which started out as doing "safety" audits has turned into doing...
by Engineer250
Thu Jan 04, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard CEO's Biggest Challenge Is Success
Replies: 7
Views: 949

Re: Vanguard CEO's Biggest Challenge Is Success

A recent study found that corporate America may have cut R&D spending as much as $122 billion a year because of the rise of index funds Can anyone explain this? I'm not disagreeing that corp. America has cut R&D. But I'm wondering how/why they would be drawing the link to the rise of index funds? T...
by Engineer250
Thu Jan 04, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: So ambitious w/ money but so risk-averse
Replies: 31
Views: 3402

Re: So ambitious w/ money but so risk-adverse

Have you thought about a second job? Would your current job let you work nights at a restaurant or coffee place or pizza delivery or something? It's a good time (economically) to get a job. It sounds to me like you have a lot of excess energy but keep avoiding long term commitments. A second job in ...
by Engineer250
Thu Jan 04, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401K AFTER-TAX DEFERRALS Help
Replies: 17
Views: 1634

Re: Vanguard 401K AFTER-TAX DEFERRALS Help

It is self-serve, why just not give it everyone. I can't see it costing them more then a few pennies a year per person (mostly in customer service support). That's another thing that I don't understand. Why not just offer ALL funds? Sure, have a few special ones (like the ones being offered now whi...
by Engineer250
Thu Jan 04, 2018 4:50 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 29421

Re: Hitting The Sell Button

It's really interesting how the grass is always greener on the other side! Early 30's here. And guess what? Although I do not really want to be older. I can not help but envying these older investors who got a great bull market during their more critical years of investing. Yes, my 90/10 AA has pro...
by Engineer250
Thu Jan 04, 2018 3:52 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401K AFTER-TAX DEFERRALS Help
Replies: 17
Views: 1634

Re: Vanguard 401K AFTER-TAX DEFERRALS Help

I guess I just don't have that option, there is nothing above Effective Date. I seriously, do not understand why it's not a standard option for everyone. I mean it's already coded and in the system. Why not just give it to everyone? I assume different options with Vanguard cost different things, as...
by Engineer250
Wed Jan 03, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401K AFTER-TAX DEFERRALS Help
Replies: 17
Views: 1634

Re: Vanguard 401K AFTER-TAX DEFERRALS Help

In the Retirement Plans area you click “Make a Change” bottom middle. Then click something about change my investments. Then it gives you three options and one of them (right one for me) is change how my paycheck is invested. This will take you to a simple screen where you enter in percentages. Upp...
by Engineer250
Wed Jan 03, 2018 6:07 am
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 160
Views: 16826

Re: 2018 Hedge Fund contest

Financial Engines

Long-
Insys Therapeutics Inc (INSY)
United Technologies (UTX)

Short-
Sears (SHLD)
Electronic Arts Inc (EA)
by Engineer250
Tue Jan 02, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 165
Views: 19347

Re: Max It Out Tomorrow [your IRA]

Cheers to all who are maxing out today. I wanted to but last minute backed out. It will deplete just too much of my $7,200.00 EF and does not seem wise as much as I would love to do so. 458/MO is a lot better than not investing at all though! In addition I also contribute ~$425.00/MO towards my gov...