Search found 1083 matches

by WanderingDoc
Tue Feb 27, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 6260

Re: Does anyone realize how special last year was?!

Curious, how do you guys track net worth. Assets - liabilities, do you use Personal Capital or manually? I think using PC would be easy but I noted it has real estate values that are wrong.. in the ballpark but still wrong.
by WanderingDoc
Tue Feb 27, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 10332

Re: Blasphemy... DO PEEK!

When you peek has little to do with hardening or softening. If you do peek every day, thats probably a sign that you need to get out more. Or get some hobbies. If you were immersed in projects, falling in love, traveling, learning a language, playing an instrument, etc. you probably wouldn't even th...
by WanderingDoc
Tue Feb 27, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stock inflows over the past 12 months: $25 billion. Taxable bond inflows: $392 billion
Replies: 18
Views: 3196

Re: U.S. stock inflows over the past 12 months: $25 billion. Taxable bond inflows: $392 billion

On its surface, to me this is indicative of mass access to information not otherwise available to everyone, simple due to the internet. 10-15 years ago, people would not have been smart enough because lets face it few Americans read books. Another example, with websites like BiggerPockets, people a...
by WanderingDoc
Tue Feb 27, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stock inflows over the past 12 months: $25 billion. Taxable bond inflows: $392 billion
Replies: 18
Views: 3196

Re: U.S. stock inflows over the past 12 months: $25 billion. Taxable bond inflows: $392 billion

https://www.fidelity.com/insights/markets-economy/bonds-stocks-funds-shift “ In general there are two big trends: Investors are rebalancing from stocks into bonds, and within stocks, they’re rebalancing from U.S. to international equity. Based on performance, this isn’t normally what you’d see, and...
by WanderingDoc
Mon Feb 26, 2018 3:44 am
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 11927

Re: philosophicaleconomics predicts 4% real equity returns

I know that my real estate investments will outperform equities all day every day even on its worst year Ah, I remember being young once. I KNOW my real estate holdings will outpeform the predicted 2.5% mutual funds return. Or 4%. or 6%. KNOW :beer Assuming there is a year with 0% appreciation (pos...
by WanderingDoc
Mon Feb 26, 2018 2:23 am
Forum: Personal Finance (Not Investing)
Topic: What is your credit score?
Replies: 38
Views: 2139

Re: What is your credit score?

750, according to credit karma. Although after I froze my credit, it dropped to 650 for several months. It just came back up to 750. I'm also using credit karma. Is that what normally happens? ie. if you freeze your credit, your utilisation plummets. I'm guessing thats the primarily reason for the ...
by WanderingDoc
Mon Feb 26, 2018 2:21 am
Forum: Personal Finance (Not Investing)
Topic: What is your credit score?
Replies: 38
Views: 2139

Re: What is your credit score?

Tyrobi wrote:
Mon Feb 26, 2018 1:42 am
831 from Credit Karma
Grats! Thats truly impressive. If I may ask, how many years of credit history do you have in the books?
by WanderingDoc
Mon Feb 26, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: What is your credit score?
Replies: 38
Views: 2139

What is your credit score?

This is something I don't pay much attention to, but I will check every 3-4 months or so. I have always hovered around the 740-760 range. As many real estate investors know, the elusive 800 is very difficult if you are doing what you are supposed to be doing, ie taking out loans. Leverage is the bea...
by WanderingDoc
Sat Feb 24, 2018 3:58 am
Forum: Investing - Help with Personal Investments
Topic: TSP - How to get better international coverage
Replies: 12
Views: 1331

Re: TSP - How to get better international coverage

You can wait until 2019 like stated above. If you don't have significant assets in your non-TSP accounts this is probably the way to go. Otherwise, if you have enough money in a Roth IRA, see the Bogleheads wiki on approximating total international: https://www.bogleheads.org/wiki/Approximating_tot...
by WanderingDoc
Sat Feb 24, 2018 3:55 am
Forum: Investing - Help with Personal Investments
Topic: TSP - How to get better international coverage
Replies: 12
Views: 1331

Re: TSP - How to get better international coverage

Actually if you google interviews and articles with people like Jeremy Grantham and Rob Arnott, they recommend overweighting EM, simply because its valuation hasn't grown as much as US and other international stocks. Following that advice would have gained you 35% over a year, versus 25% for TSM an...
by WanderingDoc
Thu Feb 22, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Military FIRE; 7 years to go & losing motivation--HELP!
Replies: 36
Views: 3989

Re: Military FIRE; 7 years to go & losing motivation--HELP!

Bogleheads, I am currently an E-7 in the Army with about 13 years of service and trying to hold on until the 20 year mark where I will be eligible for a government pension and very low cost health care for the remainder of my life. My wife (an Army civilian employee) and I have been talking about b...
by WanderingDoc
Wed Feb 21, 2018 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 46
Views: 7882

Re: Paying off $372000 mortgage in 12 months

If you can find $30k/month then I don't really see the urgency in paying it off. You have enough income that you could pay it off quickly whenever you want, and knowing you could pay it off is psychologically not that far from actually paying it off. What's the rate on the mortgage? Is it fixed rat...
by WanderingDoc
Wed Feb 21, 2018 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 6235

Re: Yikes, I waited too long, am I [too late]? 50k to invest

:( *big sigh* OK, I am 45 and don't have an opportunity for a 401k and I haven't really contributed into social security. Yikes. Where did the time go??? I have 50k I need/want to invest in the instance I can't bank on my parents (who are sinking EVERYTHING into REITS) so I'm hoping to bend your bi...
by WanderingDoc
Sun Feb 18, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 708

Re: Please help me sensibly add EM and Dev into my portfolio

Inspired by this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=241997 I have wanted to add some Emerging and Developing markets into my asset allocation since I have started to take the Bogle style of investing pretty seriously. ~ 5 months ago. The following is my current asset alloc...
by WanderingDoc
Sun Feb 18, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 708

Re: Please help me sensibly add EM and Dev into my portfolio

The TSP I fund is fine, and will soon include emerging markets. If you want more EM than that, you could buy an emerging markets index fund at Vanguard. For example, this one. You would sell some of the target retirement fund to generate cash for it, or use some of your 50% cash allocation to buy i...
by WanderingDoc
Sun Feb 18, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 708

Re: Please help me sensibly add EM and Dev into my portfolio

Does anyone have information as to what % of the TSP I fund is devoted to Developing Markets .. do they publish that. Or even still, about how much of the I fund will be in EM next year. I suspect we do not know the answer to the latter, but surely the former? I am looking to specifically invest in ...
by WanderingDoc
Sun Feb 18, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 708

Re: Please help me sensibly add EM and Dev into my portfolio

The TSP I fund is fine, and will soon include emerging markets. If you want more EM than that, you could buy an emerging markets index fund at Vanguard. For example, this one. You would sell some of the target retirement fund to generate cash for it, or use some of your 50% cash allocation to buy i...
by WanderingDoc
Sun Feb 18, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 708

Re: Please help me sensibly add EM and Dev into my portfolio

Inspired by this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=241997 I have wanted to add some Emerging and Developing markets into my asset allocation since I have started to take the Bogle style of investing pretty seriously. ~ 5 months ago. The following is my current asset alloc...
by WanderingDoc
Sun Feb 18, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me sensibly add EM and Dev into my portfolio
Replies: 13
Views: 708

Please help me sensibly add EM and Dev into my portfolio

Inspired by this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=241997 I have wanted to add some Emerging and Developing markets into my asset allocation since I have started to take the Bogle style of investing pretty seriously. ~ 5 months ago. The following is my current asset alloca...
by WanderingDoc
Sat Feb 17, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 11927

Re: philosophicaleconomics predicts 4% real equity returns

I know that my real estate investments will outperform equities all day every day even on its worst year Ah, I remember being young once. I KNOW my real estate holdings will outpeform the predicted 2.5% mutual funds return. Or 4%. or 6%. KNOW :beer Assuming there is a year with 0% appreciation (pos...
by WanderingDoc
Sat Feb 17, 2018 3:07 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 199
Views: 30636

Re: Buying and Spending Bitcoin

NYT touched on this concept recently: Why the I.R.S. Fears Bitcoin . Obviously I am not advocating tax evasion, but I am advocating discussing its problems openly. Snippet from the NYT op-ed: Here is a simple tax dodge that would be hard for the I.R.S. to prove: Suppose A, B and C are electronic ad...
by WanderingDoc
Sat Feb 17, 2018 2:15 am
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 11927

Re: philosophicaleconomics predicts 4% real equity returns

As to 5% real I hope your right but wouldn’t bet on it. I’m using 3% real. 5% real equities or on entire portfolio? Equities, including international and EM. No betting is necessary. If I get 3% real, it may just mean that I retire at 52 instead of 50. Including international i could see 5% as more...
by WanderingDoc
Wed Feb 14, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 11927

Re: philosophicaleconomics predicts 4% real equity returns

I find the article hard to argue against. His 4% real return assume no decrease in valuation. Citing what has happened over the last 25 years as evidence against it is nonsensical. Valuations have increased and earnings yields have increased. If you to assume both will increase further even beyond ...
by WanderingDoc
Wed Feb 14, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 11927

Re: philosophicaleconomics predicts 4% real equity returns

I find the article hard to argue against. His 4% real return assume no decrease in valuation. Citing what has happened over the last 25 years as evidence against it is nonsensical. Valuations have increased and earnings yields have increased. If you to assume both will increase further even beyond ...
by WanderingDoc
Tue Feb 13, 2018 3:04 am
Forum: Investing - Theory, News & General
Topic: Expecting a crash...but staying the course
Replies: 8
Views: 1776

Re: Expecting a crash...but staying the course

When they say you stayed in the best days etc., they just mean to be invested in the market right? Not necessarily that you were DCA'ing during that time.
by WanderingDoc
Tue Feb 13, 2018 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Buy or Rent under new Tax Law
Replies: 20
Views: 2251

Re: Buy or Rent under new Tax Law

Assuming 20% down with a 30 year 4.5% fixed on a $800k house, your PI $3,242/mo plus tax $1,416/mo (assuming my googling if NJ taxes in correct) plus insurance, maintenance, utilities, and the opportunity cost of the down payment. Only <$1,000/mo in principle reduction for the first 5 years (at ~92...
by WanderingDoc
Mon Feb 12, 2018 11:35 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 5324

Re: Random conversations regarding money

Would some one earning $58k, or a family earning $75k, be able to replicate your real estate success, especially if they can only invest $12k/year? Good point. Probably not in 3-4 years. In 7-8 years for sure. The thing is, you only need $500-600K in real estate equity to generate $80K per year to ...
by WanderingDoc
Mon Feb 12, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 5324

Re: Random conversations regarding money

Last night I was at a gathering and found myself in a conversation regarding money and investing with another individual. He asked about what I invest in, etc and I told him, " mostly the US total stock market." He then proceeded to tell me how he only invests in physical gold bars, tax-deferred an...
by WanderingDoc
Sun Feb 11, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 233
Views: 39268

Re: Ally online savings now at 1.45%

Do you really care if your savings account rate is 1.45% or 1.50%? They are both substantially equal to zero after inflation and considering other investment choices. You should not have a large cash allocation to either of those accounts. I think having a large cash position (8-20%) is critical. L...
by WanderingDoc
Sun Feb 11, 2018 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Opted into the new military retirement system/BRS
Replies: 57
Views: 5491

Re: Opted into the new military retirement system/BRS

I am at just over 10 years in, with an ADSO out to 15.5, and I plan to stick with the traditional retirement. At this point I’m committed, but if I had less than 5 years, and maybe even up to 8, I would certainly choose the new option. I have just less than 10 years in with an ADSO that puts me at ...
by WanderingDoc
Sun Feb 11, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 111
Views: 12458

Re: Larry Swedroe: 4 Horsemen Of Your Portfolio

Everything I wrote holds for 2.5 as well. I've been to Hong Kong many times; I live in Southeast Asia. It is possible to say "something is good/not good" without falling back on the American habit of making everything the best/worst in the world. For comparison, Tokyo (with its 25M residents) has a...
by WanderingDoc
Sun Feb 11, 2018 12:58 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 111
Views: 12458

Re: Larry Swedroe: 4 Horseman Of Your Portfolio

Hong Kong has some of the worse pollution on earth. It looks like Hong Kong isn't even in the top 500 of most polluted places on Earth, according to the WHO, with a PM10 of 49. There are 3 cities with more than 10 times [/i] that level of pollution (Onitsha, Nigeria (PM10 = 594); Peshawar, Pakistan...
by WanderingDoc
Sat Feb 10, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 233
Views: 39268

Re: Ally online savings now at 1.45%

TSP G fund up to 2.75% now. That's higher than the yield on Total Bond Market/F fund. Any reason not to convert all bonds in the TSP to G fund? I believe I am 50/50 between G and F fund. If you use bonds to rebalance with an equity-heavy portfolio and believe intermediate term rates are correlated ...
by WanderingDoc
Sat Feb 10, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3344
Views: 1004407

Re: What Book Are You Currently Reading? Part VI

In a similar vein, what kind of (e)book reader would y'all recommend? I have realized that I cannot keep ordering books as it leads to a lot of clutter. Get one of the inexpensive Fire tablets from Kindle and just download an epub reader so you can read mobi / azw, epub or pdf. https://www.amazon.c...
by WanderingDoc
Sat Feb 10, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 233
Views: 39268

Re: Ally online savings now at 1.45%

TSP G fund up to 2.75% now. That's higher than the yield on Total Bond Market/F fund. Any reason not to convert all bonds in the TSP to G fund? I believe I am 50/50 between G and F fund. If you use bonds to rebalance with an equity-heavy portfolio and believe intermediate term rates are correlated ...
by WanderingDoc
Sat Feb 10, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3344
Views: 1004407

Re: What Book Are You Currently Reading? Part VI

In a similar vein, what kind of (e)book reader would y'all recommend? I have realized that I cannot keep ordering books as it leads to a lot of clutter.
by WanderingDoc
Sat Feb 10, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 233
Views: 39268

Re: Ally online savings now at 1.45%

White Coat Investor wrote:
Sat Feb 10, 2018 4:40 pm
TSP G fund up to 2.75% now. That's higher than the yield on Total Bond Market/F fund.
Any reason not to convert all bonds in the TSP to G fund? I believe I am 50/50 between G and F fund.
by WanderingDoc
Sat Feb 10, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2811

Re: Is Rental Property/Income Same as Bonds

I don't get called at 3 AM by my bond mutual fund about a leaking pipe, so, no, rental property is not the same. This argument seems to perpetuate in the internet forever. That's why you get property managers. I get zero call at 3am in my 14 years of owning rental properties. In the past, before I ...
by WanderingDoc
Sat Feb 10, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 111
Views: 12458

Re: Larry Swedroe: 4 Horseman Of Your Portfolio

Financial writers often exaggerate "increasing longevity," I'm not sure why. Swedroe writes: When I was growing up (I’m 66), there were very few people who lived to collect Social Security for more than a few years. Today it’s a very different story. Here's the data from the CDC , table 15-1, life ...
by WanderingDoc
Sat Feb 10, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2811

Re: Is Rental Property/Income Same as Bonds

I don't get called at 3 AM by my bond mutual fund about a leaking pipe, so, no, rental property is not the same. This argument seems to perpetuate in the internet forever. That's why you get property managers. I get zero call at 3am in my 14 years of owning rental properties. In the past, before I ...
by WanderingDoc
Sat Feb 10, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2811

Re: Is Rental Property/Income Same as Bonds

Do you always maintain 100% occupancy of the rental properties? To me that's one of the fundamental differences from bonds, the fact that rental properties can have periods were they go unoccupied, but the expenses still need to be paid so the monthly cash flow can turn negative. For perspective, i...
by WanderingDoc
Sat Feb 10, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2811

Re: Is Rental Property/Income Same as Bonds

I've asked this before on here, and folks usually say no. However, I have literally been smiling all month as the equity and crypto markets are dropping, while the rent checks keep flowing in. It makes me feel good in some perverse way. I'm honestly not sure why I hold any bonds! 8-) Do you always ...
by WanderingDoc
Sat Feb 10, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2811

Re: Is Rental Property/Income Same as Bonds

I don't get called at 3 AM by my bond mutual fund about a leaking pipe, so, no, rental property is not the same. I've never got called at 3 AM about anything, and I have a sizable RE portfolio. Neither have any of the real estate investors I know (I've asked). Just another myth that is being perpet...
by WanderingDoc
Fri Feb 09, 2018 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2811

Re: Is Rental Property/Income Same as Bonds

I've asked this before on here, and folks usually say no.

However, I have literally been smiling all month as the equity and crypto markets are dropping, while the rent checks keep flowing in. It makes me feel good in some perverse way. I'm honestly not sure why I hold any bonds! 8-)
by WanderingDoc
Fri Feb 09, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 7974

Re: Why would people buy condos/SFH in Texas?

If investment properties weren't profitable in Houston, eventually no one would buy investment properties there. Its very simple. Aside from homeownership which is NOT about the numbers and NOT investing. Eventually, no one would buy income property if it wasn't profitable. I can tell you, the Houst...
by WanderingDoc
Fri Feb 09, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 233
Views: 39268

Re: Ally online savings now at 1.45%

Usually if you call them they will transfer your current account to the new higher rate. At least they did that for me at CIT bank. It was super easy. No paperwork, just a phone call. https://www.bankoncit.com/ Which has a 1.55 savings account I am always reluctant to trust these "up and coming" on...
by WanderingDoc
Fri Feb 09, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 233
Views: 39268

Re: Ally online savings now at 1.45%

hlfo718 wrote:
Fri Feb 09, 2018 8:17 am
3 Month TBills are over 1.5% and state/local tax free. That's a great substitute for money funds and high yield savings.
Can you recommend an easy and secure way to purchase one for the computer semi-illiterate? :)
by WanderingDoc
Thu Feb 08, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: TSP - How to get better international coverage
Replies: 12
Views: 1331

Re: TSP - How to get better international coverage

I wanted to engage in a discussion for the best way to get the necessary international and emerging market exposure for those of us invested in the TSP. It has been mentioned on here in the past that the TSP "I fund" is lacking in certain key markets/sectors. Currently, my index fund portfolio is r...