Search found 1207 matches

by goblue100
Tue Dec 03, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Outdoor Christmas Lights and Decorations
Replies: 18
Views: 1341

Re: Outdoor Christmas Lights and Decorations

If you have shrubs, net lights (basically a cross hatch string of lights) are useful and easier than doing it yourself.
by goblue100
Tue Dec 03, 2019 11:15 am
Forum: Personal Investments
Topic: Longtime Lurker Needs Advice
Replies: 17
Views: 3053

Re: Longtime Lurker Needs Advice

Saving is important. Living is too. I totally agree with this. I wouldn't say I never lived, but I do feel like I could have done a little more while younger and healthier. I'm not even that old, but I'm really feeling those cold rainy days in my joints. Maybe I need some of Granny's rheumatism med...
by goblue100
Tue Dec 03, 2019 8:30 am
Forum: Personal Investments
Topic: How do you see every stock that a mutual fund holds?
Replies: 3
Views: 283

Re: How do you see every stock that a mutual fund holds?

Actually, there is something called the daily holdings report. I assume that would be more up to date. I get there by clicking on performance and research, portfolio composition, but my Fido account is through my employer. Not sure a retail account has the same presentation. Edit. I happened to read...
by goblue100
Tue Dec 03, 2019 8:11 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 254
Views: 48792

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

The VPW Worksheet is quite explicit about the required flexibility to face the withdrawal reduction caused by stocks losing half of their value in a short time without affecting the retiree's comfort . Of course, if stocks were to lose more, the retiree's comfort could start to be affected. A -50% ...
by goblue100
Mon Dec 02, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Ken Burns Country Music DVDs: Historic and Artistic Merit
Replies: 23
Views: 1676

Re: Ken Burns Country Music DVDs: Historic and Artistic Merit

I am a fan of real country music and a history buff, as well as a huge Ken Burns fan. It's basically impossible to rate Burns' work against each other, but I will say that I enjoyed this one more than anything he's done. Buy it. +1 +2 The first two episodes on the origins of country music might be ...
by goblue100
Mon Dec 02, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Recommend a photo printer
Replies: 14
Views: 516

Re: Recommend a photo printer

RickBoglehead wrote:
Mon Dec 02, 2019 11:24 am


No, it's not a worthwhile investment.
+1
by goblue100
Mon Dec 02, 2019 12:21 pm
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 254
Views: 48792

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

We see that, overall, monthly buffered income oscillated around $4,000/month. In other words, the method extracted approximately ($4,000 X 12) = $48,000 per year on average from an initial (inflation-adjusted) $1,000,000 portfolio over a period of time which included two major bear markets. Had a p...
by goblue100
Mon Dec 02, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Charity vs. Scrooge- how do you think of things?
Replies: 85
Views: 5870

Re: Charity vs. Scrooge- how do you think of things?

How do you think of and make decisions for charitable giving? I guess I fall on the Scrooge side of things. I haven't scrimped and lived under my means my whole working life in order to give it all away. I do help my daughter and her husband(they are good kids just starting out), and I'll sponsor a...
by goblue100
Sun Dec 01, 2019 8:48 am
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 248
Views: 25007

Re: Biggest Investment Mistake

This was an interesting thread to me. While I've done almost nothing to perfection, I've avoided the most costly errors. I started fairly young, been fairly aggressive, and I've been married 32 years so no divorce. And no advisers to leech money from my account. My biggest error was not starting soo...
by goblue100
Thu Nov 28, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: I wish I could ignore it...but I can't (ZILLOW!)
Replies: 68
Views: 9832

Re: I wish I could ignore it...but I can't (ZILLOW!)

Contact your tax authorities and ask them to cut your taxes in half.
by goblue100
Tue Nov 26, 2019 9:01 pm
Forum: Investing - Theory, News & General
Topic: Starting my Roth at 46 , I'm still ahead of a lot of people right?
Replies: 26
Views: 3668

Re: Starting my Roth at 46 , I'm still ahead of a lot of people right?

thelateinvestor43 wrote:
Tue Nov 26, 2019 6:05 pm

So should I be depressed about being 46 and just starting to invest in a Roth IRA?


I'm still going to keep investing though! :D
You can't change the past, only the present. Do what you need to do going forward and don't worry about that which can't be changed.
by goblue100
Tue Nov 26, 2019 7:21 am
Forum: Investing - Theory, News & General
Topic: Is there a Total Market Index point system like the S&P?
Replies: 10
Views: 1126

Re: Is there a Total Market Index point system like the S&P?

Wilshire 5000 The Wilshire is what came to my mind as well. I Goggled it to make sure, and yes, it is the Wilshire: The Wilshire 5000 Total Market IndexSM is widely accepted as the definitive benchmark for the U.S. equity market, and measures performance of all U.S. equity securities with readily a...
by goblue100
Mon Nov 25, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: House considered retirement?
Replies: 33
Views: 2850

Re: House considered retirement?

Those in HCOL are spending million+ on homes likely a sacrifice of retirement. Friend told me he sees his house as part of his retirement savings. Has a $2.0M house, only $300K in retirement funds. Worked for my brother. He sold a house in SanDiego pre 2008 bust and bought one for less than a fifth...
by goblue100
Fri Nov 22, 2019 7:29 am
Forum: Investing - Theory, News & General
Topic: MSCI index action on suspected bubble drops a stock's price by 98% (MSCI, Artgo Holdings, Hong Kong)
Replies: 23
Views: 1974

Re: An index provider's action drops a stock's price by 98% (MSCI, Artgo Holdings, Hong Kong)

I didn't think kids even played with marbles anymore, no wonder it crashed. #dadjoke Sounds to me this is more about this particular stock then the index? "The discrepancy led the activist investor David Webb to issue a "bubble warning" in September about ArtGo's shares, The Journal reported. Webb a...
by goblue100
Fri Nov 22, 2019 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Basic Question on Investment Taxes
Replies: 15
Views: 758

Re: Basic Question on Investment Taxes

Hi everyone, I'm completely new to investing and will have an inheritance of around $700,000 that I will soon be investing almost entirely in mutual funds. I don't know how the taxes work on a situation like this, so my questions are: 1. Will I be taxed annually on these investments (or will it dep...
by goblue100
Thu Nov 21, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: Water heater - am I getting ripped off
Replies: 58
Views: 4595

Re: Water heater - am I getting ripped off

Another company called me back (general plumbing) and quoted $1300 but they can't get out until Friday. So I went ahead and paid the $1500 and 3.5 hours later, 2 guys had finished installing my brand new water heater. No way I could've done this on my own. At the very least I'd need a second guy to...
by goblue100
Tue Nov 19, 2019 11:25 am
Forum: Personal Investments
Topic: Do you regret rebalancing over the last few years?
Replies: 69
Views: 6601

Re: Do you regret rebalancing over the last few years?

Thanks everyone. I actually wasn't trying to attack the basic premise behind asset allocation, but trying to understand/survey the emotional behavior. It's easy, its not an emotional decision. It is a decision based on logic. What happens after that is out of my hands, therefore there is no emotion...
by goblue100
Tue Nov 19, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Looking for a charity giving Christmas experience
Replies: 44
Views: 2377

Re: Looking for a charity giving Christmas experience

Here is one I have given to in the past, and probably will in the future:
https://www.heifer.org/gift-catalog/ani ... ucQAvD_BwE
by goblue100
Mon Nov 18, 2019 8:20 pm
Forum: Personal Investments
Topic: Do you regret rebalancing over the last few years?
Replies: 69
Views: 6601

Re: Do you regret rebalancing over the last few years?

So, thanks to this thread, I checked my balances and found I needed to move some money out of equities. No regrets!
by goblue100
Mon Nov 18, 2019 8:32 am
Forum: Investing - Theory, News & General
Topic: Does US Agg Bond Index include TIPS?
Replies: 6
Views: 796

Re: Does US Agg Bond Index include TIPS?

I typed your question into Google and the first response is this thread from 2010:
viewtopic.php?t=49420

Appears the answer is no.
by goblue100
Mon Nov 18, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: At What Point Did You Realize You Made It?
Replies: 48
Views: 8650

Re: At What Point Did You Realize You Made It?

Hello Bogleheads Community, My questions are: 1. In your opinion, how am I actually doing? 2. Would you feel relatively comfortable if you were in the same spot? 3. At what point did you realize you "made it"? 4. Is it naive of me to think I kinda made it myself? 1. You're doing great. According to...
by goblue100
Sun Nov 17, 2019 10:00 am
Forum: Personal Investments
Topic: Do you regret rebalancing over the last few years?
Replies: 69
Views: 6601

Re: Do you regret rebalancing over the last few years?

fujiters wrote:
Sun Nov 17, 2019 3:42 am
One shouldn't confuse a good outcome with a good plan. Yes, it would have made me more money to be 100% VOO this past decade, but how could I have possibly known that in advance?
+1. Regrets, I have a few, but then again, too few to mention.
by goblue100
Sat Nov 16, 2019 7:53 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1492
Views: 198669

Re: Post your Financial Milestone Announcements Here

KlangFool wrote:
Fri Nov 15, 2019 9:24 pm
Hi,

Hooray!! My year-to-date portfolio growth plus contribution exceeded my gross household income.

KlangFool
Congrats! When I look at my own portfolio, I see the same!
by goblue100
Sat Nov 16, 2019 7:42 am
Forum: Personal Investments
Topic: Why am I taking so much risk?
Replies: 50
Views: 6593

Re: Why am I taking so much risk?

I am hoping to get a broad range of thoughts on the issue of risk, as it relates to my personal situation and risk tolerance. I am 56 years old, and my asset allocation is approximately 50/50. I am ten years from retirement. The closer I get to retirement, and the more I accumulate, the more anxiou...
by goblue100
Fri Nov 15, 2019 10:40 am
Forum: Personal Investments
Topic: Which SS strategy makes more sense?
Replies: 24
Views: 2107

Re: Which SS strategy makes more sense?

I have done the same calcs too. But. I know I want the largest monthly payment so that for the rest of my life I need much less from my accounts. I’m single so my decision is easier as it doesn’t impact a spouse. It is even more important to get the biggest check for a couple. To the OP, you realiz...
by goblue100
Thu Nov 14, 2019 11:14 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 16484

Re: Spend It All vs. Leave $$ for the Kids

I've often thought about whether it's possible to create lasting generational wealth in a way that does not engender 'trust fund kid' syndrome (e.g. blowing the money on frivolities and/or a feeling of entitlement leading to lack of a strong work ethic). For instance, I know someone who inherited a...
by goblue100
Thu Nov 14, 2019 7:21 am
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 16484

Re: Spend It All vs. Leave $$ for the Kids

Spend as much as you want, and leave the rest to charity. The problem with inheritances is that they create an unlevel playing field in society (which is unearned by the beneficiaries to the detriment of those that don't have the same). This is why I respect "new money" instead of "old money" peopl...
by goblue100
Wed Nov 13, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 84
Views: 13871

Re: Retired Boglehead obsession with money- devil's advocate

This thread needs some music. The only question is whether you listen to Pink Floyd's Time first or Money first. Not a bad album with the eclipse happening soonish. Pink Floyd – Time Ticking away the moments that make up a dull day Fritter and waste the hours in an offhand way. Kicking around on a ...
by goblue100
Wed Nov 13, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Scott Burns article on the "Decumlation dividend"
Replies: 0
Views: 652

Scott Burns article on the "Decumlation dividend"

I like Scott Burns, I consider him my mentor in low cost index investing. Probably not much new here for die hard BH'ers, but I think it is good info. https://couchpotatoinvesting.com/retirees-meet-the-decumulation-dividend/ "At the lowest cost of 0.03 percent, a $1 million nest egg becomes $2,383,4...
by goblue100
Tue Nov 12, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: The End Is Near....Isn't It ?
Replies: 27
Views: 2298

Re: The End Is Near....Isn't It ?

Wish I had a dollar for everyone who has made a similar post since 2012 with this same sentiment. People have been looking for the next big one since at least 2012/2013. What if you had this feeling in 2015? How would you feel sitting it out? If your portfolio has increased enough that taking some m...
by goblue100
Tue Nov 12, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5597

Re: (Sigh) "Wasting" year-old smoke detector batteries...

bertilak wrote:
Tue Nov 12, 2019 9:45 am
I always wait until the detectors themselves start giving the low battery intermittent beep. This always happens at 2 AM!
This is a downside to waiting until they chirp, they do tend to do it in the middle of the night.
by goblue100
Tue Nov 12, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5597

Re: (Sigh) "Wasting" year-old smoke detector batteries...

^^^ I change mine when they beep. I think I get close to 3 years, maybe longer. I know I'm probably violating some safety thing, but we have so many smoke detectors that if one fails there is another close by. The batteries tend to fail one at a time, perhaps a few months apart, so I feel pretty con...
by goblue100
Tue Nov 12, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5586
Views: 1362704

Re: What Movie Have You Recently Watched?

Linda Ronstadt: The Sound of My Voice Profile of singer Linda Ronstadt beginning with her childhood in the southwestern U.S. The documentary takes the viewer on an odyssey through 1960s pop and other various music forms and genres she ventured into over the course of her singing career. Excellent d...
by goblue100
Tue Nov 12, 2019 6:48 am
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 16484

Re: Spend It All vs. Leave $$ for the Kids

My DH has always been very clear with me since we married 25 years ago that he is leaving his wealth to his two children ( currently in their mid-50’s) from his first marriage. This has always been his goal. He has been very frugal all his life and continues to be, while I am frugal but more genero...
by goblue100
Tue Nov 12, 2019 5:35 am
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 174
Views: 13281

Re: Investing $140k in cash at 1k per week

retiredjg wrote:
Mon Nov 11, 2019 7:06 pm
Ok, looks like most recommended 12 months for DCA instead of 2.5 years. Is there a clear reason why 12 months is better?
Anything less than 2.5 years is better.
Lumpsum > DCA 1 year >DCA 2.5 years
by goblue100
Tue Nov 12, 2019 5:14 am
Forum: Personal Investments
Topic: About to put $ in Fixed income, which one?
Replies: 16
Views: 2015

Re: About to put $ in Fixed income, which one?

While I'd like a higher yield, I'm not sure the risk-reward equation makes sense. Am I overlooking anything? A year ago everyone said short term was the place to be because interest rates are surely going to the moon. I ignored them and stayed in intermediate, and my one year return is 13%. Will it...
by goblue100
Mon Nov 11, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 12500

Re: Saving seats on Southwest

I travel infrequently. From the stories here, SWA is not an option for me. I’ll pay more for a less aggravating airline and seat assignment. It just depends on what is more aggravating to you. It's aggravating to me to have to pay $30 to $50 for either a checked bag or a carry on large enough for m...
by goblue100
Fri Nov 08, 2019 8:50 am
Forum: Investing - Theory, News & General
Topic: US Bonds in free fall
Replies: 46
Views: 5120

Re: US Bonds in free fall

Bluce wrote:
Thu Nov 07, 2019 10:40 pm

My goal is to be the richest guy in the graveyard.
That would be a terrible waste of money.
by goblue100
Fri Nov 08, 2019 8:43 am
Forum: Personal Investments
Topic: large stake in VNQ [Vanguard Real Estate ETF]
Replies: 17
Views: 1751

Re: large stake in VNQ [Vanguard Real Estate ETF]

I have around $90k in individual stocks that my grandfather gave me. I can't sell them without paying significant taxes. If your grandfather willed those stocks to you, you get a stepped up cost basis and may not owe as much in taxes as you think. Just in case you weren't aware of that. https://www...
by goblue100
Wed Nov 06, 2019 9:51 am
Forum: Personal Investments
Topic: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash
Replies: 38
Views: 2793

Re: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash

The fantasy is we can sell in October 2007 with the S&P 500 at 1500, buy back in March of 2009 at 770 and be sitting here at 3078. But it is just that, a fantasy. In reality we sell in October of 2008 at 880 and buy back in July of 2009 at 1078. Great illustration - expect to see me copy it shamele...
by goblue100
Wed Nov 06, 2019 8:44 am
Forum: Personal Investments
Topic: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash
Replies: 38
Views: 2793

Re: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash

what if you knew that the market was going to go down so you sell? Here is the classic quote: “The idea that a bell rings to signal when investors should get into or out of the stock market is simply not credible. After nearly 50 years in this business, I do not know of anybody who has done it succ...
by goblue100
Mon Nov 04, 2019 7:24 am
Forum: Non-US Investing
Topic: 5.1m Windfall - please advice
Replies: 22
Views: 3849

Re: 5.1m Windfall - please advice

Desired Asset allocation: 30% stocks / 70% bonds Desired International allocation: xx% of stocks Would like to generate $70,000 in passive income stream. Don 30% VTI(Total US Stock market) = 1.53M 70% BND(Total US Bond Market) = 3.57M The yield on BND would produce $90,000 a year. You can reinvest ...
by goblue100
Sun Nov 03, 2019 9:15 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 254
Views: 48792

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

As an aside, with regard to your signature, is it true that we have an 82 percent chance of being dead before we're retired 30 years? I'm about ten years from retirement. It is based on a 65 year old, but yes, it's true. A 65 year old man only has an average life expectancy of 17 years. If you get ...
by goblue100
Sun Nov 03, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 254
Views: 48792

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

How about if a retiree, well, just took out a little bit at a time . I think that's a good formula. Maybe a bit more in good years, and a bit less in bad years. Does it really have to be so overwhelming and complicated? I appreciate this back test, as getting a "paycheck" from a retirement portfoli...
by goblue100
Thu Oct 31, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 65
Views: 6940

Re: Cutting the Cord - NFL Network?

cusetownusa wrote:
Wed Oct 30, 2019 7:49 pm

I plan on movie to YouTube TV
Freudian slip?
by goblue100
Wed Oct 30, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 65
Views: 6940

Re: Cutting the Cord - NFL Network?

Abe wrote:
Wed Oct 30, 2019 12:01 pm
Life is getting too complicated.
I'm on board with this sentiment. I've been considering going to T-Mobile. Seems to have all the channels I care about and is available in my area. Has the NFL network.
https://www.t-mobile.com/tvision
by goblue100
Wed Oct 30, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 65
Views: 5130

Re: Low water pressure/flow in house

RickBoglehead wrote:
Wed Oct 30, 2019 9:11 am

As I stated earlier, I've never heard of anyone being able to take 3 showers at the same time...
At my house we can run all 3 showers(2 up, 1 down) with a minimal drop in water pressure. But my house was built 80 years after the OP's, so I assume standards have changed.
by goblue100
Tue Oct 29, 2019 8:17 am
Forum: Personal Investments
Topic: $930,000 new money to invest
Replies: 42
Views: 5163

Re: $930,000 new money to invest

But now, as I have been waiting for the last 8 days for a check to clear, I have watched with dismay as the market moved up and up You realize that whatever the market has done over the last 8 days will be nothing compared to whatever it does over the next 20 years? Just put it in and don't look ba...
by goblue100
Mon Oct 28, 2019 11:53 am
Forum: Forum Issues and Administration
Topic: Why can’t some members receive PMs?
Replies: 9
Views: 1491

Re: Why can’t some members receive PMs?

Ok, then there must be some other issue. Turning mine back on.
by goblue100
Mon Oct 28, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 10620

Re: How much do you plan to spend on your children's weddings?

We spent an amount I would have deemed too much on the face of it, when my daughter was younger. When the time came, I was happy to spend it to give her the day she wanted. She and her husband contributed some, and his dad did as well, so we all shared the expense and it was a very happy occasion. A...