Search found 932 matches

by sergeant
Tue Mar 20, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help fine-tune my overall investment strategy
Replies: 4
Views: 574

Re: Help fine-tune my overall investment strategy

You will receive more replies if you follow the guideline for asking portfolio questions.
by sergeant
Mon Mar 19, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Why shouldn't I day-trade in Roth IRA and HSA investment account?
Replies: 24
Views: 2136

Re: Why shouldn't I day-trade in Roth IRA and HSA investment account?

You absolutely should give it a try. With those measly amounts you won't lose much. Don't do it with any accounts with substantial sums though. Please report back with your results.
by sergeant
Mon Mar 19, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 6853

Re: Donations to your enrolled public school

Zero also, as a matter of fact, I have never heard of anyone who donates anything to the public school system. I could think of a hundred other places that would be more deserving than that!!! OMG. You should find a better school system for your kids then! ?? The better school systems don't need ex...
by sergeant
Sun Mar 18, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 9015

Re: Incredibly sleazy Northwestern Mutual cold caller

Thanks for sharing. I sometimes entertain "irs agents" and "Microsoft tech support" scammers for as long as possible. Getting them upset somehow makes me feel good.
by sergeant
Sat Mar 17, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Federal court tosses out fiduciary rule
Replies: 60
Views: 7243

Re: Federal court tosses out fiduciary rule

My mom still has about a million with edward jones and I have been nagging her to bring her stuff over to Vanguard, now I really have to push for it. How long do I have before the rule is overturned? Or is it overturned instantly? I am afraid that my financial adviser might try to take advantage of...
by sergeant
Fri Mar 16, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Requires Drivers License for EFile
Replies: 24
Views: 2514

Re: Turbotax Requires Drivers License for EFile

I just clicked through that portion and e-filed. I didn't give them my DL info.
by sergeant
Wed Mar 14, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: 401K: Guaranteed 9.3% Return?
Replies: 43
Views: 6525

Re: 401K: Guaranteed 9.3% Return?

I believe when you retire, CA will come after you for the tax, even if you move to another state. They use to, but that practice was made illegal around 1996 as I recall by Congress. CA was very aggressive about it. At the time I worked in CA and was very concerned and in fact stopped taking new co...
by sergeant
Wed Mar 14, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: 401K: Guaranteed 9.3% Return?
Replies: 43
Views: 6525

Re: 401K: Guaranteed 9.3% Return?

dwickenh wrote:
Wed Mar 14, 2018 5:13 pm
jpsc wrote:
Wed Mar 14, 2018 4:36 pm
I believe when you retire, CA will come after you for the tax, even if you move to another state.
Is this true?
Absolutely not!
by sergeant
Wed Mar 14, 2018 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 100 year old Dad's extra PMM money
Replies: 13
Views: 2376

Re: Help with 100 year old Dad's extra PMM money

Why don't you just private message Kevin? I'm sure he will help you.
by sergeant
Fri Mar 09, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Structured Products
Replies: 52
Views: 3088

Re: Structured Products

You win the bet with your girlfriend.
by sergeant
Thu Mar 08, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Need Help Solving A House Smell Mystery
Replies: 46
Views: 4829

Re: Need Help Solving A House Smell Mystery

Where do you live? Not your address just the area. Some times these things can be figured out by your location. My buddy had a bad smell that ended up being dead rats in the wall. I suspect your smell is from the wall insulation or drywall. I wouldn't rule out a leak somewhere.
by sergeant
Thu Mar 08, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Would YOU retire
Replies: 67
Views: 9830

Re: Would YOU retire

Yes, I would retire.
by sergeant
Fri Mar 02, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7981
Views: 1620732

Re: U.S. stocks in freefall

I'm staying the course, but the colleague I mentioned above is one of the sharpest guys in our firm, thinks we will see the dow around 14,000 by 2020. 14,000 on the DOW in 2020 would effectively mean zero real return on equities over 20 years, that would have to be a record? Yep, I'm not agreeing w...
by sergeant
Fri Mar 02, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: AOBC, horrible decision [American Outdoor Brands]
Replies: 30
Views: 4237

Re: AOBC, horrible decision [American Outdoor Brands]

One problem with owning single stocks is it distracts you from more important considerations. Such as whether to pay off your mortgage or invest, whether US stocks are in freefall or not, whether to keep an "emergency fund," and percentage of international stocks. What about whether to attend free ...
by sergeant
Thu Mar 01, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Financial stability of federal pensions
Replies: 16
Views: 2079

Re: Financial stability of federal pensions

I'm one who posted in that prior thread. I think your federal pension is the safest pension in existence. I wouldn't worry at all. My pension is with a stable city government through PERS and is about 90% funded. My thought process is the first cut would be to the COLA. Second cut would be to a port...
by sergeant
Thu Mar 01, 2018 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: I need to file a complaint [Newport taken over 403b at Vanguard]
Replies: 11
Views: 2718

Re: I need to file a complaint

Relax, it is out of your immediate control and both Vanguard and Newport have admitted the problem and is taking steps to correct it per your post. Go for a walk, workout, have a catch with one of your kids, not worth getting all fired up for something soon to be corrected.
by sergeant
Thu Mar 01, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9238

Re: Physical cash

I'm an AP in blackjack and have kept my gambling money in cash for years. I think there is about 20 grand in a fire safe file box located in the fire proof gun safe. If you often play at the same place, or just a handful of places, casino credit is an option. You won't incur interest but a float un...
by sergeant
Tue Feb 27, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9238

Re: Physical cash

I'm an AP in blackjack and have kept my gambling money in cash for years. I think there is about 20 grand in a fire safe file box located in the fire proof gun safe.
by sergeant
Sat Feb 24, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2653

Re: AA: am I being wise or missing something?

Ha! So Sergeant and Delamer agree with my husband to raise the AA a bit after all. I may have to listen to him one of these days. No! Your current AA would actually be my choice. I'm 50/50 with FI in stable value. I figure a long term major market correction would be the main catalyst to a lowering...
by sergeant
Sat Feb 24, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2653

Re: AA: am I being wise or missing something?

OP, How secure is your Municipal pension? As I understand it, many of these types of pensions are under funded and are not backed any any guarantees. Part of the risk calculus you need to consider. I believe it to be about 75% safe. It is conservatively invested and weathered 2008/09 well. Of even ...
by sergeant
Sat Feb 24, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: AA: am I being wise or missing something?
Replies: 26
Views: 2653

Re: AA: am I being wise or missing something?

OP, How secure is your Municipal pension? As I understand it, many of these types of pensions are under funded and are not backed any any guarantees. Part of the risk calculus you need to consider. I believe it to be about 75% safe. It is conservatively invested and weathered 2008/09 well. Of even ...
by sergeant
Thu Feb 22, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Military FIRE; 7 years to go & losing motivation--HELP!
Replies: 36
Views: 4074

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

I got back to California from Killeen a few hours ago. I visited my son who just returned from a deployment to Korea. It had been 15 years since my last "visit" to Killeen. It will never be great but has improved. The base seems to be trying hard to make it a better place with more activities and a ...
by sergeant
Thu Feb 15, 2018 1:03 am
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 2377

Re: Where would you park 140k [Where to invest 140k]

WanderingDoc wrote:
Wed Feb 14, 2018 11:02 pm
50% BTC
50% ETH
He is (hopefully) joking. I don't think it is helpful to suggest this to a newer poster.

OP, spend a little time on our wiki. There is no hurry. It might be as simple as putting the new money into a Total Market fund in taxable and upping your bonds in your deferred accounts.
by sergeant
Wed Feb 14, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard advice--I'm confused
Replies: 30
Views: 4394

Re: Vanguard advice--I'm confused

Suggested portfolio is a mess but congratulations on exceptional part-time income.
by sergeant
Wed Feb 14, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 2377

Re: Where would you park 140k

I think your "headline" is misleading. Parking usually means a temporary spot to place funds intended for something.

Just invest it per your AA.
by sergeant
Wed Feb 14, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 65
Views: 4929

Re: Is This Action by Megacorp Legal?

I wouldn't like it if this happened to me but really don't think it's a big deal in this case. Wonder if he would be complaining if the market had done nothing but gone up?
by sergeant
Tue Feb 13, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 169
Views: 20375

Re: Number at which to stop worrying

I think it's one of those "you'll know it when you see it" things. I didn't think I would ever get there, but after last weeks correction, I think I'm almost there. Annual expenses for a good retirement will be about $60k. But we're shooting for an annual $85k spend, so we'll have plenty of buffer....
by sergeant
Tue Feb 13, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: I think US interest rates could drop.
Replies: 62
Views: 8114

Re: I think US interest rates could drop.

Maybe! I have no idea. I gave up guessing a few years ago after being certain (and wrong) they had to rise for about 7 years.
by sergeant
Tue Feb 13, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 37821

Re: What if you only live off dividends?

No thanks! Too conservative. I guess heirs would be happy.
by sergeant
Mon Feb 12, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: moving my mother's "escape" fund to me
Replies: 28
Views: 4083

Re: moving my mother's "escape" fund to me

Make it POD to you. Change the mailing address to your address. Remove aunt's name from account. Leave it in mom's name.
by sergeant
Sat Feb 10, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: Why should we care about inflation?
Replies: 58
Views: 6085

Re: Why should we care about inflation?

Yes, I am. But, again, you're using the worst case, historically speaking (and BTW bank accounts paid 15%. But I digress). I'm referring to inflation normalization , not to huge spikes. Prices and rates rise over time. That's what history shows. This last 10 year period has been abnormal. That is s...
by sergeant
Sat Feb 10, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 8501

Re: Day trading for a living/career?

My neighbor sold his (inherited) successful business about 20 years ago for near 15 million dollars. He puttered around for a couple years, bought a boat, bought a house at the river, and went out for lunch. He disappeared for a few weeks and his wife told me that he was inside the house trading sto...
by sergeant
Sat Feb 10, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 111
Views: 12611

Re: Larry Swedroe: 4 Horsemen Of Your Portfolio

I think what will happen, out of necessity, is the comeback of the extended family. Who would be in this extended family? Not sure there are many cases where anyone other than the children would take on this care. If we're talking about the children, then the first question is "are there children?"...
by sergeant
Sat Feb 10, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: What Would you do? (Inheritance)
Replies: 22
Views: 3405

Re: What Would you do? (Inheritance)

I do not agree that liquidating everything all at once is a good choice. Because: taxes. And I say this as someone who moved investments to Vanguard from another broker. Not 350k, but six figures. In many cases, Vanguard will allow you to transfer holdings in without selling them. Call them and ask...
by sergeant
Sat Feb 10, 2018 1:23 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36409

Re: free dinner investing seminar

I have never been to any free dinner investing seminar. If your friend reports to his experience on Bogleheads , it will be my privilege to donate $100 to Bogleheads. So i don't know if this counts, but this happened when I was 16. One day my mom gets a call from a telemarketer whishing her a happy...
by sergeant
Mon Feb 05, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 16821

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I'm 40. I'm at 100% stock (60 US/40 International). I'm weird also. I get happy when the stock market goes up, but I'm also happy when the stock prices drop as I can get the sale. If you are 100% invested, what do you use to buy with when you "get the sale"? just wondering! balbrec2 Great question....
by sergeant
Mon Feb 05, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18295

Re: Vanguard site is crashed now?

I wasn't planning on doing any trading today, but I find it utterly incomprehensible that some folks would make light of an entire platform going down and people being unable to place orders. That's not acceptable on any day. But sure, lolz panic trading Yes, it doesn't raise one's confidence in Va...
by sergeant
Mon Feb 05, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 16821

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I've been investing since 1984. Current age is 53. I have a State Government Pension that covers all of my living expenses +. I'm used to volatility and I've ridden out several nasty market corrections and recessions and it always seems like I've come out ahead compared to a mixed stock / bond port...
by sergeant
Mon Feb 05, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I use the NYC 457 (DCP)?
Replies: 8
Views: 1220

Re: Should I use the NYC 457 (DCP)?

Yes, use it. Those fees are pretty darn good. Do some research on governmental 457b's. They have some nice benefits.
by sergeant
Mon Feb 05, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Ever Thought of Suing (or Sued) A Waterproofing Company?
Replies: 20
Views: 1874

Re: Ever Thought of Suing (or Sued) A Waterproofing Company?

Research this issue at Garage Journal. There are experts at that site and many threads with photographs on how to truly waterproof a basement. The above information is correct, it can't be done from the interior.

You can sue anyone for anything. Good luck winning and then collecting.
by sergeant
Fri Feb 02, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: A bed time story for a RBD
Replies: 9
Views: 1914

Re: A bed time story for a RBD

Nice update. Which fund?
by sergeant
Fri Feb 02, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7981
Views: 1620732

Re: U.S. stocks in freefall

RBD today? No. It's Friday. So, how is an RBD defined? RBD was popularized by poster Livesoft. He has many posts talking about it. One of his criteria for it being a RBD is that the day not be a Friday. You can search for his full criteria. I would link it but would be violating his signature line....
by sergeant
Fri Feb 02, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7981
Views: 1620732

Re: U.S. stocks in freefall

lostdog wrote:
Fri Feb 02, 2018 10:38 am
RBD today?
No. It's Friday.
by sergeant
Thu Feb 01, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Insurance company wants new roof after closing!
Replies: 20
Views: 4934

Re: Help! Insurance company wants new roof after closing!

Replace the roof. Comp from 20 years ago is ready to be changed out.
by sergeant
Thu Feb 01, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much to spend on a backyard?
Replies: 35
Views: 3404

Re: How much to spend on a backyard?

I was going to ALL CAPS for you not to get the pool but see it's off the table. Make it nice if you're going to be there for 30 years. I would save up in a side account for a bit instead of the HELOC.
by sergeant
Wed Jan 31, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund vs. Stable Value
Replies: 34
Views: 4287

Re: Bond Fund vs. Stable Value

Depends on the SV yield. If near the bond yield I would go SV.
by sergeant
Wed Jan 31, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Do it myself or hire a pro?
Replies: 27
Views: 3032

Re: Do it myself or hire a pro?

Welcome to the forum. Read the Wiki. Hire a pro, Vanguard PAS. Not the one you have met with.
by sergeant
Wed Jan 31, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Allocation
Replies: 14
Views: 2159

Re: 401k Portfolio Allocation

For future reference, not everyone knows the tickers of those funds by heart, so it is important to give us fund names, too. --Looks like you just beat me to the punch. Thanks for adding the names. That said, I recognized most of them. Congratulations on having such nice 401k. I prefer the simplest...
by sergeant
Wed Jan 31, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to transfer Fidelity Roth IRA to Vanguard?
Replies: 3
Views: 609

Re: Best way to transfer Fidelity Roth IRA to Vanguard?

Does it really matter that it costs a few bucks? Just call Vanguard and have them do it.
by sergeant
Wed Jan 31, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: What should my Asset Allocation be, Stocks vs. Bonds?
Replies: 14
Views: 1358

Re: What should my Asset Allocation be, Stocks vs. Bonds?

Whatever you are comfortable with. Nothing but your comfort level applies in your circumstance.