Search found 1376 matches

by Texanbybirth
Fri Jan 31, 2020 10:32 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6592
Views: 622532

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I've implemented OP's 55/45 in a Roth IRA. I will actually be making monthly contributions/re-balance for the next 20 years if I can stay the course. This thread has turned into a(n interesting) discussion of various adaptations of the strategy, but I was subscribed to it and decided to turn that of...
by Texanbybirth
Fri Jan 31, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: ESG outperforming - will you add any ESG funds to your portfolio?
Replies: 63
Views: 4457

Re: ESG outperforming - will you add any ESG funds to your portfolio?

I've considered Vanguard's ESG Fund for a while now as a piece of our portfolio. It's actively managed, pretty low cost (55bps), and it's run by the Wellington group. I'm surprised it doesn't have any Apple, at least not in the top ten. Here's a Vanguard paper on ESG investing, albeit a little dated.
by Texanbybirth
Thu Jan 30, 2020 1:57 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6592
Views: 622532

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

UPRO, TMF Allocation: From reading page 46 of this thread, it seemed pretty intuitive that the 25% target volatility rebalancing would make sense. In short, higher volatility is associated with a decrease in the performance of the SP500, while lower volatility is associated with increases. Thus, wh...
by Texanbybirth
Thu Jan 30, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Considering an iPad. Is it worth it?
Replies: 116
Views: 7150

Re: Considering an iPad. Is it worth it?

We have a 2018 11" iPad Pro. It's overkill for how we use it, but once I saw the Pro Motion display I told Apple to take my money.

I hardly ever use it, but my wife and kids (homeschool) use it daily. We would be just fine with the most recent iPad Air, which looks like a great machine.
by Texanbybirth
Thu Jan 30, 2020 10:14 am
Forum: Personal Investments
Topic: SEC Proposing to block leveraged ETF!
Replies: 57
Views: 5535

Re: SEC Proposing to block leveraged ETF!

Leveraged and inverse ETFs typically are designed to achieve their stated performance objectives on a daily basis. Some investors might invest in these ETFs with the expectation that the ETFs may meet their stated daily performance objectives over the long term as well. Investors should be aware th...
by Texanbybirth
Wed Jan 29, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 200
Views: 20754

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

runner3081 wrote: Wed Jan 29, 2020 10:18 am This is excellent! No more extra funds sitting unused!
+1
by Texanbybirth
Wed Jan 29, 2020 11:06 am
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 227
Views: 17796

Re: What to pair with NTSX?

I've been reading up on NTSX and I would like to dip my toe into the water by devoting one of my Roth IRA's (my smallest account) to a strategy that uses this fund. For those of you who are not familiar, there are many other threads that discuss the fund on bogleheads, but in a nutshell it's a 1.5x...
by Texanbybirth
Wed Jan 29, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6592
Views: 622532

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Fidelity adding fractional shares. Pressure is on M1. While one button rebalancing is nice, I’d be nervous to keep too much funds tied up now. https://www.google.com/amp/s/finance.yahoo.com/amphtml/news/fidelity-simplifies-investing-again-launch-131000227.html Awesome. I'm doing this adventure with...
by Texanbybirth
Wed Jan 29, 2020 10:41 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6592
Views: 622532

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

So from the looks of it NTSX holds all the stocks from the S&P 500 and then treasury futures. Is the main benefit leveraged exposure to treasuries in case of a market crash? It seems like this would perform below the market simply because the fund isn’t fully allocated to the S&P 500. Edit: Anybody...
by Texanbybirth
Tue Jan 28, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Is it worth it to jump on the TurboTax bandwagon?
Replies: 36
Views: 2680

Re: Is it worth it to jump on the TurboTax bandwagon?

If you really just want the forms, and are resistant to an interview style, then just use https://www.freefilefillableforms.com/#/fd

I'm a CPA, and I use TurboTax every year.
by Texanbybirth
Tue Jan 28, 2020 12:10 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6592
Views: 622532

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I've read both threads, but maybe I missed something here: The TV Portfolio Visualizer chart only covers 2010-2020. Is there a post demonstrating the max drawdown/worst year, with 2008 and 1987 included, at 25% TV? I know one user states the sweet spot is actually between 18-20 percent, but I'm str...
by Texanbybirth
Tue Jan 28, 2020 11:53 am
Forum: Personal Investments
Topic: What is the most aggressive Boglehead allocation for a Roth IRA?
Replies: 38
Views: 3799

Re: What is the most aggressive Boglehead allocation for a Roth IRA?

There are quite a few people around here going 55% UPRO, 45% TMF. That's pretty aggressive, if you ask me, especially if you're "willing to handle the ups and downs the market will give us in the decades to come."
by Texanbybirth
Tue Jan 28, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Toy overload alternatives for grandparents
Replies: 104
Views: 5806

Re: Toy overload alternatives for grandparents

I hate that they discontinued selling paper saving bonds since those were something appropriate that you could give and have something physical to give. Somehow to me giving the same $25 or $50 check for a college fund seems cheap and we are not planning on paying large amounts for our grandkids co...
by Texanbybirth
Tue Jan 28, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Toy overload alternatives for grandparents
Replies: 104
Views: 5806

Re: Toy overload alternatives for grandparents

OP, since this is your first kid I understand your situation. This is a problem outside just grandparents in our family, since we both have big families: lots of uncles/aunts in addition to all 4 grandparents and some great-grandparents still being around. (We've got 3 kiddos so far.) Off the bat, I...
by Texanbybirth
Mon Jan 27, 2020 4:19 pm
Forum: Investing - Theory, News & General
Topic: Equity returns over the next 40 years
Replies: 87
Views: 5223

Re: Equity returns over the next 40 years

US equities have returned 6.5% real, in a fairly consistent long term trend.. for the last 150 years. It appears that BHs is full of perma- bears. There are some reasons to think that future returns might be much lower than past returns. One reason is that population growth is much lower than befor...
by Texanbybirth
Mon Jan 27, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: I saved my employer health insurance premiums, should I negotiate the salary?
Replies: 30
Views: 2026

Re: I saved my employer health insurance premiums, should I negotiate the salary?

I don't have experience with this, but I copied your thread title verbatim and Google'd it. Here's an interesting take that came up. Though it's almost a decade old it still seems applicable:

https://www.cbsnews.com/news/can-i-say- ... e-instead/
by Texanbybirth
Fri Jan 24, 2020 11:05 am
Forum: Investing - Theory, News & General
Topic: At some point you'll probably lose at least 30% (real) from your diversified portfolio: Meb Faber
Replies: 96
Views: 8426

Re: At some point you'll probably lose at least 30% (real) from your diversified portfolio: Meb Faber

watchnerd wrote: Fri Jan 24, 2020 10:49 am My lifetime included big declines in 2001-2002 and 2008-2009.....so I'm done for now, right?
I started investing seriously for retirement in 2010, so I haven't even started yet. If I were you, I'd get out before my first dip. :shock:
by Texanbybirth
Thu Jan 23, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Sharing a Business Class Seat
Replies: 51
Views: 4571

Re: Sharing a Business Class Seat

Two adults and two toddlers. And along with the usually chit chat there's also a screaming toddler. How does this scenario play out in biz class? Do the other customers glare at the parents? Does the flight attendant glare at the toddlers? Having recently been in this situation, yes people send lot...
by Texanbybirth
Thu Jan 23, 2020 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford?
Replies: 41
Views: 2996

Re: How much house can we afford?

I would absolutely not buy a $700k house. And I can assure you I'm not being conservative. $185k salary is good money, but not for a $700k home lifestyle. One is not just looking at a higher mortgage. Let's see: - Increased mortgage - increase in utilities - Increase in maintenance costs - Increase...
by Texanbybirth
Thu Jan 23, 2020 2:22 pm
Forum: Personal Consumer Issues
Topic: Sharing a Business Class Seat
Replies: 51
Views: 4571

Re: Sharing a Business Class Seat

Not that disagree with what you're saying, but what if an entire family bought biz class tickets? Two adults and two toddlers. And along with the usually chit chat there's also a screaming toddler. How does this scenario play out in biz class? Do the other customers glare at the parents? Does the f...
by Texanbybirth
Thu Jan 23, 2020 2:19 pm
Forum: Personal Investments
Topic: VFORX or this?
Replies: 13
Views: 537

Re: VFORX or this?

If you're afraid you'll tinker, then pick VFORX. At least until you see a true market decline and find out what your emotions/inclinations are. It's a great fund, and seems to be sitting now at about 83/17. That's not far off from your preferred allocation, if you can handle the int'l exposure.
by Texanbybirth
Thu Jan 23, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: Sharing a Business Class Seat
Replies: 51
Views: 4571

Re: Sharing a Business Class Seat

If you could afford business class seats for your family, what would your thoughts be of another family doing this while you were in the "front of the plane"? Setting aside airline policy on this, wouldn't it be rather annoying/disruptive on a 14+ hr flight? Other posters have pointed out that busin...
by Texanbybirth
Thu Jan 23, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 445
Views: 70077

Re: Larry Swedroe says "Goodbye."

It's either an imposter, or he really hasn't left. Someone was posting with his name only last Sunday. https://www.bogleheads.org/forum/search.php?author_id=228&sr=posts Yes, that was his last post and he hasn't logged in since. He could be on vacation, or busy with work, or tending to a family mat...
by Texanbybirth
Thu Jan 23, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 445
Views: 70077

Re: Larry Swedroe says "Goodbye."

It's either an imposter, or he really hasn't left. Someone was posting with his name only last Sunday. https://www.bogleheads.org/forum/search.php?author_id=228&sr=posts Yes, that was his last post and he hasn't logged in since. He could be on vacation, or busy with work, or tending to a family mat...
by Texanbybirth
Thu Jan 23, 2020 10:15 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 28523

Re: Sad news: LadyGeek's husband has passed

I'm very sorry for your loss, but I thank you sincerely for your courage, prudence and most of all your witness to love.

Your family will be in my prayers.

(Thank you also for mentioning the bereavement counselors. That seems like a really good benefit for the surviving spouse.)
by Texanbybirth
Thu Jan 23, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 445
Views: 70077

Re: Larry Swedroe says "Goodbye."

It's either an imposter, or he really hasn't left. Someone was posting with his name only last Sunday.

search.php?author_id=228&sr=posts
by Texanbybirth
Wed Jan 22, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6592
Views: 622532

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Some of these posts are starting to get ridiculous but I'm glad this has worked out for everyone so far. I'm guessing Taylor will only jump in once the returns of TSM are greater and do a I told you so like on the tilting threads. I agree. Seeing all these people 3x the QQQ makes me worry about ove...
by Texanbybirth
Wed Jan 22, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5445

Re: Talk me out of spending my tax refund

AerialWombat wrote: Wed Jan 22, 2020 10:54 am
Mlm wrote: Tue Jan 21, 2020 7:45 pm There should be a penalty for receiving a refund.
Don’t give the IRS any ideas...
It's literally impossible for us to not get a refund. There are some unique tax situations out there...
by Texanbybirth
Wed Jan 22, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5445

Re: Talk me out of spending my tax refund

Brianmcg321 wrote: Tue Jan 21, 2020 7:45 pm Have you considered a used Camry?
LOL!

Spend $200 OP, maybe even $300. I'd buy a $100 bottle of wine for my wife and me, and spend the $200 on some fun family activity like a membership to our local Arboretum or a day at the aquarium. My kids would geek/freak.
by Texanbybirth
Wed Jan 22, 2020 10:34 am
Forum: Personal Consumer Issues
Topic: Medical Bill Survival Guide
Replies: 12
Views: 1557

Re: Medical Bill Survival Guide

It heartens me to see that you're helping your daughter navigate the world of insurance. There are many college-educated people who metaphorically faint at the idea of dealing with insurance companies, and they just blindly pay bills. [I think navigating insurance (especially for anyone with a child...
by Texanbybirth
Wed Jan 22, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: Anybody else have trouble with USPS Informed Delivery?
Replies: 36
Views: 5202

Re: Anybody else have trouble with USPS Informed Delivery?

I'm glad the OP got his problem solved.

I also just want to say I'm thoroughly impressed with how well ID works given the volume of mail USPS must process on a daily basis.
by Texanbybirth
Wed Jan 22, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: 5 - Ways to help you spend your retirement savings - Wisely
Replies: 23
Views: 2810

Re: 5 - Ways to help you spend your retirement savings - Wisely

I recently introduced my parents to the "4% rule". I'm not sure how much they'll read up on it, but I gave them the gist because they were anxious about a 2-3% withdrawal for 2020. They have so much money it isn't funny, either will be fine if the other passes, but they continue to follow each other...
by Texanbybirth
Tue Jan 21, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: Our little girl is turning one soon!
Replies: 47
Views: 3530

Re: Our little girl is turning one soon!

We got our one year old daughter a positive pregnancy test letting her know her little brother would be on the way in 9 months. I think it cost $6 at the grocery store.

:sharebeer
by Texanbybirth
Tue Jan 21, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Some observations when trying to buy [a new Prius Prime or Honda Clarity]
Replies: 37
Views: 5192

Re: Some observation when trying to buy a new car

Another thing, when I did and do an inventory search, and select the model and color I want, I was/am told the vehicle is at the dealership that I went to. I've noticed that a lot of dealerships these days list cars in their inventory that are actually at other dealerships. I'm guessing they're all...
by Texanbybirth
Tue Jan 21, 2020 10:41 am
Forum: Personal Investments
Topic: Why are vanguard TDF so aggressive?
Replies: 54
Views: 4461

Re: Why are vanguard TDF so aggressive?

Here's a good paper straight from the Advisor. It's really a fascinating read, especially if you own, or are considering owning, their TDFs. (A Vanguard TDF is my family's only retirement investment, so I can follow up in 35 years and let you know what I think.)

:beer
by Texanbybirth
Fri Jan 17, 2020 10:26 am
Forum: Personal Investments
Topic: HSA - Spend or Save?
Replies: 16
Views: 858

Re: HSA - Spend or Save?

We spend our HSA as needed because we can't afford to cash flow medical expenses. I don't invest the money, either, because usually it's in the account for too short of a time period. However, some years we have a balance leftover and some years we don't. I have had a chronic condition (that is mira...
by Texanbybirth
Thu Jan 16, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: How high is health insurance going to go?
Replies: 79
Views: 6487

Re: How high is health insurance going to go?

Though it could change (not a political discussion!), you don't have to have health insurance anymore. I would say that if you're uncomfortable with the cost of insurance, then you should continue working and haven't really achieved "early retirement". Who can possibly know how high it will go? It ...
by Texanbybirth
Thu Jan 16, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 149048

Re: Pull Up Bar/ Push Up Routine

Try for 3 sets of pull ups and 3 sets of push ups every other day. Once you have built strength, get "blocks" for push ups. I had a bar for chin up in the door frame many years ago. It never damaged the frame, but if you have access to a free standing chin up bar, you will get better range of movem...
by Texanbybirth
Thu Jan 16, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: How high is health insurance going to go?
Replies: 79
Views: 6487

Re: How high is health insurance going to go?

Though it could change (not a political discussion!), you don't have to have health insurance anymore. I would say that if you're uncomfortable with the cost of insurance, then you should continue working and haven't really achieved "early retirement". Who can possibly know how high it will go? It i...
by Texanbybirth
Thu Jan 16, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Day camps and summer camps
Replies: 23
Views: 1203

Re: Day camps and summer camps

Spend the money on your kids, and stop comparing it to other things you could buy but don't want/need. Your kids are more important. Our house could probably use some improvements in some people's eyes (you say yours doesn't), and I love going to Europe (haven't been since 3 kids!), but I gladly spe...
by Texanbybirth
Thu Jan 16, 2020 11:40 am
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 19046

Re: Who’s Buying Bitcoin?

I jumped into LTC in December 2017 during the original FOMO run-up. I put in $500, which my wife agreed was one month of us paying ourselves a car payment (we own outright and save up for future cars), and got out when we were finally at $180. "Everyone", meaning family and friends, were experts abo...
by Texanbybirth
Wed Jan 15, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Employer did not apply w4 changes
Replies: 12
Views: 849

Re: Employer did not apply w4 changes

I second asking for a penalty waiver from the IRS, if a penalty is assessed. In almost all my dealings with the IRS I've spoken with pleasant agents who were willing to listen to, if not always grant, the request 100%. If you know when you filled out the W4, maybe even have a copy (scanned?), then i...
by Texanbybirth
Wed Jan 15, 2020 10:23 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 741
Views: 108897

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Also, at some point aren't these retirees drawing Social Security? So that would supplement the income they're receiving from the portfolio withdrawals.
by Texanbybirth
Tue Jan 14, 2020 2:22 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 741
Views: 108897

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Mactheriverrat wrote: Tue Jan 14, 2020 2:16 pm + 1
Some threads are just worth bookmarking on bogleheads.
Agreed, a really cool thread idea.
by Texanbybirth
Tue Jan 14, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: Advanced Excel (Software)
Replies: 11
Views: 1361

Re: Advanced Excel (Software)

I would consider myself an expert Excel user/designer. StackOverflow is a great resource. You can teach yourself easily if you have some background in coding logic. Honestly, just type your question into Google Search and you'll get a dozen great webpages, including sometimes Microsoft's own support...
by Texanbybirth
Mon Jan 13, 2020 3:29 pm
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 280
Views: 22806

Re: 2020 Hedge Fund contest

Don't Trust Me

Long:
MSFT
TGT
by Texanbybirth
Mon Jan 13, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5884
Views: 1393447

Re: What Movie Have You Recently Watched?

Saw the latest Star Wars film. I laughed quietly a few times (even when no jokes were told) at its predictability but simultaneous disjointedness and excessive plot. It was, of course, a visual feast. Also saw Frozen II this weekend. A cute enough sequel, but really just an Appendix to the first fil...
by Texanbybirth
Mon Jan 13, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: Upgrade to larger family car or wait and get smaller commuter car?
Replies: 21
Views: 1390

Re: Upgrade to larger family car or wait and get smaller commuter car?

Isn't this just a personal (meaning your family's) finance question? We have three kids, and I still drive a sub-compact. We have our minivan for people-and stuff-moving. I will still drive my sub-compact when we have (God willing) four or five kids. It sounds like you have your people-/stuff-mover ...
by Texanbybirth
Fri Jan 10, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?
Replies: 75
Views: 6425

Re: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?

Sorry to hear about your issue, OP. I wouldn't have thought to get a sewer inspection when buying our house. That being said, it's 33 years old and I wouldn't be surprised if something went wrong with the pipes. Even if it was 8 days after closing on the home, I wouldn't have thought the sellers did...