Search found 1003 matches

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: 2861

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: 17
Views: 1788

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: 20815

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: 20815

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: 20815

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: 11278

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: 3335

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: 32967

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: 1766

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: 906

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: 3335

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: 906

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: 3335

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: 1504

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: 28747

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: 1504

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: 1504

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: 155
Views: 14800

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: 19105

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...
by Engineer250
Tue Jan 02, 2018 3:45 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 11354

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Submitted. 2971.36.

I re-interpreted some Nostradamus texts and there will be no bear this year.
by Engineer250
Tue Jan 02, 2018 3:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401K AFTER-TAX DEFERRALS Help
Replies: 17
Views: 1504

Re: Vanguard 401K AFTER-TAX DEFERRALS Help

I have a Vanguard 401k that allows after tax contributions (and in-service withdrawals once a year of that after tax). Assuming our interfaces are the same... In the Retirement Plans area you click “Make a Change” bottom middle. Then click something about change my investments. Then it gives you thr...
by Engineer250
Sun Dec 31, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Building Emergency Fund - Where to put money
Replies: 16
Views: 1349

Re: Building Emergency Fund - Where to put money

Your nephew might want to consider this too: https://www.bogleheads.org/wiki/Roth_IRA_as_an_emergency_fund I contributed to both a Roth and an emergency fund in an online savings account. That way I wouldn't completely lose the Roth contributions while I was still building my emergency fund. I left ...
by Engineer250
Sun Dec 31, 2017 2:27 am
Forum: Investing - Theory, News & General
Topic: 2018 401k
Replies: 8
Views: 1552

Re: 2018 401k

livesoft wrote:
Sat Dec 30, 2017 6:34 pm
Traditional makes more sense.

See also: viewtopic.php?t=79510
I don't see how that thread proves anything. Other than people are willing to pay more money to anything and anybody so long as they don't pay a dime in taxes.
by Engineer250
Sat Dec 30, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1449530

Re: U.S. stocks in freefall

Last day of trading for 2017 and stocks are accelerating downward. I wonder if tax/RMD situations play a role in a ' January Effect ' at the end of the year. Or tax loss harvesting - I doubt Bogleheads lost any money this year but I'm guessing some people lost money... My uncle lost money this year...
by Engineer250
Sat Dec 30, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: Tax Law Sunset 2025 - Roth vs Traditional
Replies: 90
Views: 8459

Re: Tax Law Sunset 2025 - Roth vs Traditional

Given that, seems Roth's have become comparatively more attractive than before. You bring up a valid point but it doesn't matter. These boards are very pro-pre-tax investments. Any Roth vs Pre-tax 401k is always 80-90% in favor of the pre-tax. You are right that the general assumptions are always t...
by Engineer250
Sat Dec 30, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is Roth IRA conversion easy with Vanguard?
Replies: 26
Views: 2674

Re: Is Roth IRA conversion easy with Vanguard?

FootballFan5548 wrote:
Wed Dec 27, 2017 3:47 pm
Is Vanguard easy to convert TIRA to Roth? Can it be done all online simply?
As others have stated, super easy, can do online with a few clicks.

Don't forget to fill out IRS Form 8606 when you do your taxes. Your brokerage won't do this part for you, you need to do it yourself.
by Engineer250
Sat Dec 30, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3192

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

I've noticed things have been a little slow at Vanguard since about the week before Christmas. Seems like everything is taking a day longer than usual. Money coming in takes a day longer, a few trades I put in took a day longer to not show up as pending any more. Hopefully whatever they are doing ov...
by Engineer250
Sat Dec 30, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund, Muni Bonds, Taxable vs Mega Backdoor
Replies: 3
Views: 569

Emergency Fund, Muni Bonds, Taxable vs Mega Backdoor

I have a few questions maybe others can give me some feedback on... Emergency Fund - Someone on another thread mentioned Vanguard's tax-exempt calculator so I checked it out. I'm currently in the 15% tax bracket (probably 12% next year, and I guess 22% the year after if nothing changes because our i...
by Engineer250
Thu Dec 28, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: 2018 DJIA Stock Market Predictions
Replies: 22
Views: 2254

Re: 2018 DJIA Stock Market Predictions

I think a 10% bump sometime before April, so around 27k. Then a very flat rest of the year, maybe reaching 28k. It will be my first year finally maxing out retirement, so I know there will be no low price buying opportunities, and that a crash is still a few years away until I’ve been buying at thes...
by Engineer250
Thu Dec 28, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 148
Views: 15794

Re: Is anyone putting money aside into Gold?

Looking at historical returns of gold, it's a terrible investment. While true, it has always been worth something and was recognized for its beauty and rarity since before the Egyptians, it's not something that provides practical value in today's digital world. Virtually no merchant out there will ...
by Engineer250
Thu Dec 28, 2017 2:50 am
Forum: Investing - Help with Personal Investments
Topic: Delayed Back door roth quick help needed
Replies: 5
Views: 448

Re: Delayed Back door roth quick help needed

They should send you a 1099-Int for the $15 worth of interest.... The 1099 will be for the full $5515 that is converted. It's up to you to reconcile this with the $5500 non-deductible basis on form 8608. Yes absolutely don't forget to fill out IRS Form 8606 when you file your taxes next year. This ...
by Engineer250
Wed Dec 27, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 59
Views: 12335

Re: This is Unbelievable - another Vanguard customer support odyssey

The best you are likely to ever get from Vanguard is a level of lip service and diminished hold times in the queue as they attempt to mimic effective customer service with low-paid bodies in seats. Maybe my experience is unique, but I haven't had an issue with hold times with them lately. My 401k i...
by Engineer250
Wed Dec 27, 2017 1:59 am
Forum: Investing - Help with Personal Investments
Topic: Looking to take out Roth IRA money for house down payment.
Replies: 66
Views: 5206

Re: Looking to take out Roth IRA money for house down payment.

Nope, never been one. But Id want to house hack, live in a room, rent out the others. Rinse and repeat. I will just use the money Ive been saving in an external account for a downpayment then. Rinse and repeat. Despite your inexperience, you seem pretty set on doing this. So I’m not sure anything a...
by Engineer250
Fri Dec 22, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: Saving for the crash
Replies: 58
Views: 8092

Re: Saving for the crash

Next year I will probably be able to double the amount my household has been saving for retirement, and a bit more of a bump the year after. Therefore I know for a fact the crash won’t happen until after 2018. Or it will be a flash crash. Because if it happened sooner all these new contributions fro...
by Engineer250
Fri Dec 22, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: TSP - change from traditional to Roth for final 8-9 years?
Replies: 3
Views: 614

Re: TSP - change from traditional to Roth for final 8-9 years?

A couple things to think about: -Will you need to access your TSP when you retire for living expenses? -Do you have estimates on how much of your pension is taxable? I think it can make a lot of sense for a fed retiree to switch to Roth once they have enough in pre-tax to “fill up” their current tax...
by Engineer250
Thu Dec 21, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey Style Vanguard Portfolio?
Replies: 51
Views: 7091

Re: Dave Ramsey Style Vanguard Portfolio?

You can do a lot worse than being invested in American Funds through an FA that buys and holds and provides complete financial advice. I say this as someone who “looks over the shoulder” of an America Funds investor. While those on this board are all behind DIY, most people out there are incapable ...
by Engineer250
Thu Dec 21, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey Style Vanguard Portfolio?
Replies: 51
Views: 7091

Re: Dave Ramsey Style Vanguard Portfolio?

You can do a lot worse than being invested in American Funds through an FA that buys and holds and provides complete financial advice. I say this as someone who “looks over the shoulder” of an America Funds investor. While those on this board are all behind DIY, most people out there are incapable ...
by Engineer250
Wed Dec 20, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41416

Re: Improving the TSP [for current participants]

But the low costs benefit of TSP are more-or-less now matched by Vanguard, and I believe Vanguard's version of the S fund is actually 1 bp cheaper. A lot of people forget to add in the "other expenses". Anyway, for all practical purposes, Vanguard is just as cheap. So G fund/slightly better asset p...
by Engineer250
Wed Dec 20, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 5032

Re: 100% equity folks- holding any cash/bonds now?

32 here and was working and invested during 2007. You are right that it did not feel like some sweet buying opportunity. It felt like the economy as we knew it was changing. Those of us who kept our jobs were just trying to hang on. We had no idea stocks (or home prices) would recover. Many people ...
by Engineer250
Wed Dec 20, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41416

Re: Improving the TSP [for current participants]

I recently received an email from Kim Weaver, Director of External Affairs at the Federal Retirement Thrift Investment Board, with the following text: "The TSP does not require a legislative change to allow different withdrawals from traditional TSP vs. the Roth TSP. A legislative change is not nee...
by Engineer250
Wed Dec 20, 2017 1:43 am
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 6317

Re: Who missed out on maximizing 401k?

Sometimes, employers will cut you off well before you hit the max - and you won't know until it's probably too late to fix the problem. I find it especially egregious when an employer puts a % cap on your salary reduction, and that cap x your salary is less than $18,000. I've read comments on here ...
by Engineer250
Tue Dec 19, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 5032

Re: 100% equity folks- holding any cash/bonds now?

If you're 31 and you are hypothetically stating what you think you will do when the market corrects 20%, you might be surprised. You will see every media outlet talking about how armageddon is right around the corner when we hit a 10% correction. 32 here and was working and invested during 2007. Yo...
by Engineer250
Tue Dec 19, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1449530

Re: U.S. stocks in freefall

Got an exciting new phone notification. A wild downward pointing arrow to inform me VNQ dropped 2%. I was checking it a lot about 1.5 years ago when I was rebalancing my REIT so I guess Google thinks I care about it. No similar exciting numbers for S&P 500 though. Wonder if that is the biggest swin...
by Engineer250
Tue Dec 19, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: On Podcasts, timing the market vs Boglehead way - Fear of Missing out
Replies: 16
Views: 1626

Re: On Podcasts, timing the market vs Boglehead way - Fear of Missing out

As a counter example, sometimes people do tell you their losers. I was at a holiday get together with my family and my Uncle who is probably early 60s was chatting with me. I asked him if he had a number of years left before retirement or didn’t know yet. He said his stocks had a bad year so he was ...
by Engineer250
Tue Dec 19, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1449530

Re: U.S. stocks in freefall

Got an exciting new phone notification. A wild downward pointing arrow to inform me VNQ dropped 2%. I was checking it a lot about 1.5 years ago when I was rebalancing my REIT so I guess Google thinks I care about it. No similar exciting numbers for S&P 500 though. Wonder if that is the biggest swing...
by Engineer250
Tue Dec 19, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 6317

Re: Who missed out on maximizing 401k?

The way to avoid this going forward is to use a percentage that may amount to be slightly above $18K. The employer system will automatically cut off at the maximum permitted by law. Does every employer do this though? But I did call Vanguard (who runs my company's 401k) and confirmed they will do t...
by Engineer250
Sat Dec 16, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Provider
Replies: 12
Views: 1443

Re: Best 401k Provider

I am just an employee but I have Vanguard. I like it for the most part but my employer chose a lot of the same high cost funds we had before (used to be through Schwab who I also liked). We do have the target retirement funds but I'd rather see more of the standard 3 fund options. For $50 a year I c...
by Engineer250
Thu Dec 14, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 12470

Re: 2018 financial goals - what are yours?

I think 2018 will be the first year I can max 401k. Goal is to also max Roths for the first time. I am excited. Only people here know what this means. None of my normal friends or acquaintances (even the well off ones) understand how happy this makes me.
by Engineer250
Tue Dec 12, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA-Vanguard
Replies: 6
Views: 654

Re: Roth IRA-Vanguard

Yes you contributed to your Roth. Settlement fund is just a money market fund. Technically your money is invested, just in a money market. There are a few drop down menu items on your balances page. One should be "buy". With that you can buy shares in the mutual fund you want to move your money into...
by Engineer250
Tue Dec 12, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 8812

Re: Year end review with less nerdy spouse

Sounds awful. But good reminder I need to make an info sheet in case something happens to me that tells him where everything is and how to access. He is pretty on board just not interested in all the details. And as most of my investments are set and forget (yay 3 fund) it's not like there's a lot t...