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Mrxyz

AerialWombat wrote: ↑Mon Aug 10, 2020 7:00 pm COVID-19 has had zero impact on my real estate investing. I'm still a landlord. I still hold the same number of shares of the Fidelity REIT Index. I still invest in Groundfloor hard money notes.

Thanks.
Can you give me some more feedback about your Groundfloor experience?

Mrxyz

Hi all,
I was looking into real estate investing (Equity multiple and other online companies - also mentioned by WCI and Physician on fire etc).
I wonder if the current COVID situation has changed anyone's plans ?
IOW - More home office, less work office etc mean lesser 'need' for real estate?
Thanks

Mrxyz

All these posts are very inspiring! And also makes me feel very weak and lazy!
I run around 10-15 miles a week and do bodyweight exercises twice a week.
No enough I guess based on what I have read, but thats all I can manage at present!

Mrxyz

Seriously, this is not a criticism but an observation. If you had to ask this question, then your AA is wrong (for you). You need to rethink need to take risk, ability to take risk etc etc and come up with what will prevent you from asking such questions (aka SWAN test). I had similar thoughts many ...

Mrxyz

FWIW,
I just bought a 2017 RAV 4 XLE, with 70,000 miles for $15,600. Tag, tax, title extra. Was below the KBB price and so went for it. Runs great -no issues.

Mrxyz

What is the point of this thread? And I am not being sarcastic. The book, The Millionaire Next Door , took a survey of millionaires. They asked the millionaires if they tracked their net worth a. Yearly b. Quarterly c. Monthly d. Not at all If I recall the trend, almost all answered a, b, or c. The...

Mrxyz

Encourage/force son to take a finance course? Teach/make him learn about money management which can benefit anyone.....
Donate to local hospitals?

Mrxyz

I did NOT try to time the market but ; I moved my AA to 60-40 from 75-25 in January just because it was stock heavy before based on my age. So I got lucky with increasing my bond allocation by 15% before the stocks dropped. Not sure how much $ I "made" but I do not care to find out as I do...

Mrxyz

Mrxyz, My replies are in green: << I have (larger than before) emergency fund, >> This has no meaning. How many months of expense is it? I have around 12 months of expenses instead of 6 months worth last year. <<3 kids who have around 3/4th of their college education funds saved for. >> How old are...

Mrxyz

Hi all, So based on many indicators (e.g. unemployment rate), a recession is coming. So does this mean there needs to be any change in investments? I follow 3 fund portfolio with around 60/40 stocks/bond ratio, and am 50 plus years old with around 5-7 more years before retirement. I have (larger th...

Mrxyz

Hi all, So based on many indicators (e.g. unemployment rate), a recession is coming. So does this mean there needs to be any change in investments? I follow 3 fund portfolio with around 60/40 stocks/bond ratio, and am 50 plus years old with around 5-7 more years before retirement. I have (larger th...

Mrxyz

TheDDC wrote: ↑Fri May 08, 2020 4:59 pm Be prepared to deploy the rest of your cash into equities when we hit bottom. Please tell us when that is, though.

-TheDDC

I have no idea when we will / have hit bottom. That is speculation and I do not know the answer.

Mrxyz

Hi all, So based on many indicators (e.g. unemployment rate), a recession is coming. So does this mean there needs to be any change in investments? I follow 3 fund portfolio with around 60/40 stocks/bond ratio, and am 50 plus years old with around 5-7 more years before retirement. I have (larger tha...

Mrxyz

I'm not an engineer but I used to have a basement. Just to clarify this is a finished basement, correct? My basement was always humid, so it wouldn't have worked for me. Yes, it is a finished basement. There are many articles online regarding passive cooling. While I don't have a basement, today I ...

Mrxyz

I would check for radon first. Yup, no radon, under basement ventilation system which runs 24/7, with 'normal' levels. It would work if you have a big enough basement. Case in point .... https://www.atlasobscura.com/articles/limair-sanatorium-luray-caverns-air-conditioning Very interesting read! Th...

Mrxyz

Hi all, The basement temperature during summer is around 10F lower than the 2nd floor - so why not install a duct with a fan which moves air from basement to the top floor? I know, I know - I am probably wrong because it sounds too easy to be true. I guess air has to be displaced - that is there can...

Mrxyz

FWIW - Simple face mask for contact isolation- is appropriate for use in public places N 95 (is airtight to prevent transmission of 95% airborne particles) for airborne isolation - for healthcare folks when there is 'aerosol generating procedures' like intubation, nebulizer treatment etc. IOW, there...

Mrxyz

Hi all, Should 403b investments should be pre tax or post tax(Roth 403b)? I could be wrong but I was 'told' or I had read years ago that my current tax bracket is high (>30%) and thus I should invest pre tax in 403b as my tax bracket after retirement will be lower. Is this correct ? or.......... Do ...

Mrxyz

And this is NOT a medical advice but please make sure you have not underlying medical issues which are being triggered by the mild obstruction caused by a simple face mask - I am assuming you are NOT wearing N 95 and just using a regular face mask - which is the correct thing to do.

Mrxyz

So what to keep money if not at treasury MM fund? Bank does not pay adequate interest..........

Mrxyz

N95 should be reserved for medical professionals, for airborne protection.
Non-medical professionals (who are not immunosuppressed etc) should not be using N 95 (based on current US guidelines), regular (surgical/cloth/other) masks should be adequate.

Mrxyz

So I already have VFWAX (FTSE all world ex USA) and VTIAX (total Internatioal) in my portfolio. How do I TLH? I have around 125G (short term) loss in VFWAX and around 20G (long term) loss in VTIAX Can I buy exchange VFWAX for VTIAX and no do anything with VTIAX loss? Or is there another fund I can e...

Mrxyz

Sorry to start another thread on this topic but ... How 'wrong' is it to move money from bonds to stocks when (current) stocks are (relatively) cheaper? I know the AA gets changed and it is market timing , but is there not an obvious advantage to buy stocks at "discount"? I moved my AA to ...

Mrxyz

similar thought process here..... So, is it 'wrong' to move money from bonds to stocks when stocks are (relatively) cheaper? I know the AA gets changed and it is market timing, but is there not an obvious advantage to buy stocks at 'discount'? I moved my AA to 60-40 from 75-25 recently just because ...

Mrxyz

So, is it 'wrong' to move money from bonds to stocks when stocks are (relatively) cheaper? I know the AA gets changed and it is market timing, but is there not an obvious advantage to buy stocks at 'discount'? I moved my AA to 60-40 from 75-25 recently just because it was stock heavy before etc. An...

Mrxyz

Apologies for cross posting but.......... So, is it 'wrong' to move money from bonds to stocks when stocks are (relatively) cheaper? I know the AA gets changed and it is market timing, but is there not an obvious advantage to buy stocks at 'discount'? I moved my AA to 60-40 from 75-25 recently just ...

Mrxyz

So, is it 'wrong' to move money from bonds to stocks when stocks are (relatively) cheaper? I know the AA gets changed and it is market timing, but is there not an obvious advantage to buy stocks at 'discount'? I moved my AA to 60-40 from 75-25 recently just because it was stock heavy before etc. And...

Mrxyz

5 million :annoyed Moving 1million from muni into Total US Stock today. Plan to move another 1 million if sp500 falls further to 2400 (-30% lower than all time highs) During this market panic, buying helps calm my emotions. Hi, Question - so you are shifting your assets from munis to stocks and thu...

Mrxyz

5 million :annoyed Moving 1million from muni into Total US Stock today. Plan to move another 1 million if sp500 falls further to 2400 (-30% lower than all time highs) During this market panic, buying helps calm my emotions. Hi, Question - so you are shifting your assets from munis to stocks and thu...

Mrxyz

quantAndHold wrote: ↑Sat Mar 07, 2020 1:22 pm It’s probably a great time to get travel deals. A relative who’s an exec at a 3000 room hotel says their occupancy is 30% right now (3 weeks ago it was 100%). But you have to ask yourself, “do you feel lucky?”

Very nice quote!! Thanks for excluding the last word!

Mrxyz

Any suggestions/thoughts? I can't tell you what to do but I can tell you what I am doing. I live within driving distance of Florida and we were planning to drive down and spend a week or so on the beaches. We decided not to go. One issues was that if we got sick then we would not be up to driving h...

Mrxyz

Thanks.
We are only going to Universal studios, and flying from Midwest.
We will be there (hopefully) march 19-22.

Mrxyz

Hi all, So we (family) were planning a spring break Florida trip to Univ. studios and I am wondering about what risks we face: 1. COVID19 may be worse and there is infection risk. 2. Parks etc may close 3. Flights may be cancelled Recently HIMSS 2020 was cancelled (https://www.himssconference.org/ )...

Mrxyz

tenkuky wrote: ↑Thu Jan 23, 2020 9:02 am
retiredjg wrote: ↑Thu Jan 23, 2020 8:20 am
Mrxyz wrote: ↑Thu Jan 23, 2020 12:50 am I have now around 63% stocks and 37% bonds ratio which is much better!!
Good!
Agree, it is wonderful to see posters report back on success in following suggestions.

Moved from Stocks/bonds ratio of 78/22 to 63/37

And so this perhaps was inadvertent market timing ???

Mrxyz

Emergency funds = $50K in bank. Debts = None - house/cars paid off Yearly expenses = 60K Tax Filing Status = Married filing jointly, with 3 children 529 funds = $100,000 each kid - not included below Have disability and umbrella insurance. Have life insurance from work. Tax Rate =35% Federal 6.45% S...

Mrxyz

toofache32 wrote: ↑Wed Jan 22, 2020 9:33 pm What's a fang?

FANG/FAANG
Facebook, Amazon, Netflix, Google earlier and now it has
Facebook, Amazon, Apple, Netflix and Google.

Mrxyz

Sorry for your loss.

Mrxyz

The baseboard pipes should be HOT. Not 50 degrees. Have the HVAC checked. Mayybe air in the pipes? Or insulation on the pipes in the walls? As to actual insulation, the stuff which is blown in will settle over time. Good luck getting the rooms heated! So to clarify, we do not have baseboard pipes. ...

Mrxyz

Hi all, So I have a 15 year old house (I am second owner) which has cold 1st floor bedrooms in winter even after re insulating attic and the attached garage ceiling which is next to one of the bedrooms. When thermostat is set to 75 F, and outside temp is 10 F, then the wall temperature is 60s, and g...

Mrxyz

Hi, I am posting Kevin's recommendations below. Thanks Kevin! Agree with the last poster. If what you want is 60/40, you should rebalance to get to that, as your current portfolio is riskier than that, and it appears that you don't need to take the risk. Maybe even 60/40 is more risk than necessary,...

Mrxyz

I didn't mean you need to buy with new contributions at all. This is what I've done and what I'm proposing.... His ROTH Sell all the VBTLX 52G AND buy VG 500Index with the proceeds Her ROTH Sell all the VBTLX 52G AND buy VG500Index with the proceeds His TIAA 457 def. comp Sell 52G of the SP500 80G ...

Mrxyz

No you haven't. See highlighted red His ROTH VBTLX 52G Her ROTH VBTLX 52G His TIAA 457 def. comp SP500 80G Cref Bond 135G 403b def. annuity SP500 92G Cref Bond 230G Retirement SP500 35 Cref Bond 135 Total is 705G Her retirement vanguard target fund = 202 403b in vanguard 500 index fund = 73 Cref bo...

Mrxyz

You still have bond space in pretax (~280K worth). Preferable to have bonds there than Roths like you do. I would rebalance to have equities in both Roths and the equivalent bonds in the pretax. Do that before considering bonds in taxable. Hi, Thanks for the reply. I have maxed out what I can buy a...

Mrxyz

Hi all, Thanks to all who have helped me in the past years and to so many other whose postings have enlightened me with so many issues and not just financial topics. Has definitely changed my life in so many ways!! The 'older' post link from 2012! https://www.bogleheads.org/forum/viewtopic.php?f=1&a...

Mrxyz

So, I realize my mistake here, I need age in bonds or similar, and so I need almost 50% bonds. So bonds are in my retirement accounts and stocks in taxable......how do I buy more bonds?

Mrxyz

50 20 30 seems solid to me - As other replies have stated, there's no "correct" percentage. The only thing "correct" is that you're able to KEEP those percentages even when international does poorly for a straight year.... or when the US market crashes, or when US stocks are doi...

Mrxyz

1. There is no “correct” percentage. Portfolio allocation is often arrived at by considering ability to take investment risks, need to takes such risks, and financial goals. See this thread on how to best pose such questions on the forum: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=621...

Mrxyz

Thanks for your reply. 1. The desired percentages are up to you. This is interesting because even the wiki mentions differing % allocation to each. https://www.bogleheads.org/wiki/Lazy_portfolios 2. Do you need international? Check out past threads on this. There are thousands of posts debating this...

Mrxyz

Hi all, Hope this is the correct forum to post this question. Desired (based on WCI excel spreadsheet) Total US stock 50% Total US bond 20% Total International 30% Current Total US stock 54.1% Total US bond 24.2% Total International 21.7% Question - 1. I follow the 3 fund portfolio - are the desired...

Mrxyz

Ok- here goes mine - does not include house/cars/429s and no pension. Use 3 fund portfolio.

Thanks

2011 310k
2012 354
2013 370
2014 755
2015 981
2016 1260
2017 1911
2018 2550
2019 3057

Edit- no pension and fund information

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