Most/Least Boglehead 2014 Activity?

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JamesSFO
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Most/Least Boglehead 2014 Activity?

Post by JamesSFO » Sat Dec 13, 2014 6:21 pm

It's nearing the end of the year, just wondering if people want to come clean with either their most/least Boglehead-ish activity of the year?

For me, most: staying the course; least: investing about $5K in Prosper loans again (previously lost a bunch of money in 2005-2007 time frame, convinced myself this time would be difference, what's that definition of insanity again?).

Share away...

bigred77
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Re: Most/Least Boglehead 2014 Activity?

Post by bigred77 » Sat Dec 13, 2014 6:48 pm

Least Boglehead Activity - I bought a bunch of furniture (that we needed) on a store credit card. I didn't have the money to do it but I got 0% for 12 months so we pulled the trigger. We definately overspent here but live and learn i guess.

Most Boglehead activity - My company stock dropped dramatically over the past few months and I REALLY wanted to buy some over the past week or so. It was really hard not to do it but I stayed commited to my AA and did not act on my impulse. I already have enough unvested RSUs and my job is linked to the performance of the company as well.

Grt2bOutdoors
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Re: Most/Least Boglehead 2014 Activity?

Post by Grt2bOutdoors » Sat Dec 13, 2014 6:51 pm

Bought $5K of individual stock - am beating the market so far, but that isn't my objective....i buy and hold long term, unless a TLH day appears then I might reconsider.

Most Bogleheadish......I've been purchasing more international stock index and EM funds..... All funds purchased have been of the rock-bottom low er type......
"One should invest based on their need, ability and willingness to take risk - Larry Swedroe" Asking Portfolio Questions

livesoft
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Re: Most/Least Boglehead 2014 Activity?

Post by livesoft » Sat Dec 13, 2014 6:51 pm

Most Boglehead activity: I had lunch with sscritic and paid for it.

Least Boglehead activity: I bought a Lexus with a loan.
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cfs
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Re: Most/Least Boglehead 2014 Activity?

Post by cfs » Sat Dec 13, 2014 6:55 pm

Least and Most

Least Boglehead Activity - I can't honestly think of a single knuckleheaded move in 2014--for a change.

Most Boglehead Activity - Saved/Invested take-home-money like crazy in 2014.
~ Member of the Active Retired Force since 2014 ~

Jack FFR1846
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Re: Most/Least Boglehead 2014 Activity?

Post by Jack FFR1846 » Sat Dec 13, 2014 7:02 pm

Most: lots, since I discovered Bogleheads this year:

Learned the expenses of all of my investments in all of my accounts.
Decided what I wanted my AA to be.
Sold all of my actively managed, "throw a dart" chosen funds and bought 3 funds to AA.
Did NOT sell $350k in savings bonds to put into a whole life policy (thank you Bogleheads).
Using a reasonable strategy to sell lowest interest savings bonds to cover only son's college tuititon to take the deduction. Using that money to go into tax advantaged accounts.

Least: Still have my Lotus Elise that I drive 2000 miles a year.
I bought a new Jeep Wrangler. I could probably have bought an old truck to snowplow my driveway and property and then a cheaper used car to drive daily. <shrug>
Bogle: Smart Beta is stupid

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Tycoon
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Re: Most/Least Boglehead 2014 Activity?

Post by Tycoon » Sat Dec 13, 2014 7:05 pm

Least: Allowed a dealership to flush and change the power steering fluid in one of my cars. (Had a weak moment :oops: )
Most: Invested 58% of my salary.
...I might be just beginning | I might be near the end. Enya | | C'est la vie

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FreeAtLast
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Re: Most/Least Boglehead 2014 Activity?

Post by FreeAtLast » Sat Dec 13, 2014 7:08 pm

Most: 1) bought a used car instead of a brand new model. 2) received a lump sum and immediately started to invest it.

Least: splurged a little bit om some new clothes.
Illegitimi non carborundum.

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JamesSFO
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Re: Most/Least Boglehead 2014 Activity?

Post by JamesSFO » Sat Dec 13, 2014 7:49 pm

These are great stories, keep 'em coming.

FlamingoTime
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Re: Most/Least Boglehead 2014 Activity?

Post by FlamingoTime » Sat Dec 13, 2014 8:23 pm

Least Bogleheadish: Being in all cash 100% after sale of business and rolling 401k to Vanguard and retiring revently at 57. (Other than Pen Fed 3% cds)

Most Bogleheadish: Made appt. with flagship financial planner at Vanguard and plan to finally move into a 3 or four fund portfolio - all index funds. And maybe some ibonds...still learning.

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jfn111
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Re: Most/Least Boglehead 2014 Activity?

Post by jfn111 » Sat Dec 13, 2014 8:31 pm

Most Boglehead- Started getting rid of my individual stocks and moving my "play" money into a 3 index fund portfolio.
Least Boglehead- Still go to the Horse Track to often. :oops:

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zaboomafoozarg
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Re: Most/Least Boglehead 2014 Activity?

Post by zaboomafoozarg » Sat Dec 13, 2014 8:48 pm

Most Bogleheadish: switched to a new job with better pay, better benefits... and a .02% ER on total US market in my 401k :D

Least Bogleheadish: bought over $1k worth of bronze, silver and gold coins from ancient Greece, Rome and Persia
Last edited by zaboomafoozarg on Sat Dec 13, 2014 9:13 pm, edited 1 time in total.

staythecourse
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Re: Most/Least Boglehead 2014 Activity?

Post by staythecourse » Sat Dec 13, 2014 8:54 pm

Don't know if it is bogleheads or not, but what I am most proud of is each year I have less interest in looking at my performance or how the market is doing. The only way I know what is doing poorly is when I check this website and someone is bemoaning holding too much of asset class X. I only check my portfolio once a month to figure out where to put new money to stick to my asset allocation.

My greatest advancement as an investor is malaise. In medicine that is a negative word, but in the personal investing world I am seeing it as maybe the single greatest personality trait for an investor.

I hope to continue to honor my name on this site: "Stay the course".

Good luck.
"The stock market [fluctuation], therefore, is noise. A giant distraction from the business of investing.” | -Jack Bogle

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DonCamillo
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Re: Most/Least Boglehead 2014 Activity?

Post by DonCamillo » Sat Dec 13, 2014 9:04 pm

Most BH activity: continuing to move funds from individual stocks to index funds.

Least BH activity: applied a large income tax refund from 2013 to this year's tax to fund Roth conversion, giving Uncle Sam an interest free loan and paying taxes long before I need to.
Les vieillards aiment à donner de bons préceptes, pour se consoler de n'être plus en état de donner de mauvais exemples. | (François, duc de La Rochefoucauld, maxim 93)

crg11
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Re: Most/Least Boglehead 2014 Activity?

Post by crg11 » Sat Dec 13, 2014 9:47 pm

Most: I discovered Bogleheads in March and haven't turned back since. Completely revamped my wife and I's finances. Even helped my parents revamp their portfolio.

Least: Had a medical related issue this summer that we would normally use an emergency fund for, but ours wasn't fully funded yet. So we had to get a 0% interest credit card. Almost have it paid off (hopefully next month) which should shortly be followed by our last car loan with $2.6k left) and then a sprint to finish up building our first real emergency fund.

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JDCarpenter
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Re: Most/Least Boglehead 2014 Activity?

Post by JDCarpenter » Sat Dec 13, 2014 10:31 pm

Most: Continuing to save/invest 40% of Gross pay.

Least: 1) continuing 10K+ wine purchases each year (but, hey, the cellar keeps having more space!); 2) anniversary dive trip to Fiji, business/first class air....
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mhc
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Re: Most/Least Boglehead 2014 Activity?

Post by mhc » Sat Dec 13, 2014 11:18 pm

most: stayed the course, max all tax advantaged accounts, added to taxable, LBYM, TLH, spent less than 2012

least: spent $30 at Cold Stone tonight after we drove around 2 hours looking at Christmas lights (well worth it)

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GerryL
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Re: Most/Least Boglehead 2014 Activity?

Post by GerryL » Sat Dec 13, 2014 11:29 pm

Most BH: Retired at just about FRA with more than enough money to live comfortably and the wherewithal to delay SS until 69 or 70. Have been plotting how to do tIRA to Roth conversions beginning next year.

Least BH: Continue to hold onto a sizeable chunk of company stock with no plans to sell. The dividends (which will go up in Q1) are a nice part of my pre-SS retirement income.

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JamesSFO
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Re: Most/Least Boglehead 2014 Activity?

Post by JamesSFO » Sun Dec 14, 2014 1:15 am

Again this is really enjoyable to see and I'm chuckling at some, nodding at others, and making a list of what NOT to do, and some things TO do. Checking my portfolio size less would be a good one.

irishbear99
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Re: Most/Least Boglehead 2014 Activity?

Post by irishbear99 » Sun Dec 14, 2014 1:34 am

Most:
- Increased my TSP contributions by ~$500/pp, and am set to max it out in 2015.
- Paid off my student loans.
- Stayed the course through the market ups and downs.

Least:
- Spent too much overall. The hubby and I plan to address this in 2015.

virgingorda
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Re: Most/Least Boglehead 2014 Activity?

Post by virgingorda » Sun Dec 14, 2014 9:21 am

Most: brought lunch every day

Least: can't seem to part with Big Pharma stock

vested1
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Re: Most/Least Boglehead 2014 Activity?

Post by vested1 » Sun Dec 14, 2014 10:12 am

Most: Switched to a 3 fund portfolio at Vanguard from Fidelity PAS thanks to this forum and digging into the effects of fees on our accounts.

Least: Bought my wife and I tickets to Hawaii, and all that goes with it for a dual retirement vacation next year. There are times when it's acceptable to splurge.

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runner9
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Re: Most/Least Boglehead 2014 Activity?

Post by runner9 » Sun Dec 14, 2014 10:23 am

Paid off our mortgage, maxed a 457b (in addition to 2 Roths), conversion on a 5.5K rollover IRA to roth done.

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stemikger
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Re: Most/Least Boglehead 2014 Activity?

Post by stemikger » Sun Dec 14, 2014 10:25 am

The Most Boglehead Activity: After realizing I am not Warren Buffett and don't have his risk tolerance or his money, I went back to my 65/35 AA after going 100% in the Vanguard Institutional Index Fund for two months. Thanks to the advice from my friends here and my inner risk meter.

The Least Boglehead Activity: Paying over $500 for two tickets to see Hedwig and the Angry Inch on Broadway. That's not including dinner afterwards.
Choose Simplicity ~ Stay the Course!! ~ Press on Regardless!!!

mw1739
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Re: Most/Least Boglehead 2014 Activity?

Post by mw1739 » Sun Dec 14, 2014 11:12 am

Least: spent six figures on home improvement this year. Also had a second child.

Most: paid cash for the home improvements and put a five figure amount in the new baby's 529.

Walleyewhacker
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Re: Most/Least Boglehead 2014 Activity?

Post by Walleyewhacker » Sun Dec 14, 2014 11:27 am

Most: Finally put all my retirement accounts in one place (Vanguard of course) except for my current 401k :D

Least: Got a new pickup truck, paid cash for what I owed but could have waited a couple of years :(

EnjoyIt
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Re: Most/Least Boglehead 2014 Activity?

Post by EnjoyIt » Sun Dec 14, 2014 12:24 pm

Most: Payed $16K to drop one of my school loans cutting my fixed expenses by $230/month

Least: That loan was a 2.75% variable loan

jchris
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Re: Most/Least Boglehead 2014 Activity?

Post by jchris » Sun Dec 14, 2014 12:32 pm

Most:
- Started getting rid of individual stocks and converting those to index funds
- Transferred all IRAs (mine and wife's) to Vanguard for the lower ERs
- Decided on AA and moved funds within TSP to achieve it
- Refinanced home to 2.875% 15 year loan
- Switched kids Coverdell accounts to 529 plans in my state to get big tax deduction
- Kept an older car alive instead of buying another car (I hate buying cars!).

Least:
- Kept way too much cash in money markets making almost no interest. Starting to move that to a combination of CDs, bond funds, and the total stock market index fund in taxable account (still maintaining a big enough emergency fund in cash, of course).
- Planned an unusually expensive family vacation for next summer.

The Wizard
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Re: Most/Least Boglehead 2014 Activity?

Post by The Wizard » Sun Dec 14, 2014 12:47 pm

Most:
Attended BH13 in October.

Least:
Made firm decision to buy new aluminum F-150 pickup truck, but at least I'm delaying the purchase while I accumulate scads of additional cash to pay for it...
Attempted new signature...

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kingsnake
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Re: Most/Least Boglehead 2014 Activity?

Post by kingsnake » Sun Dec 14, 2014 1:05 pm

Most: worked 9 extra days this year for 18,000 dollars, which I saved

Least: sold all 40,000 dollars of my online Ibond account to rid myself of Treasury Direct

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John151
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Re: Most/Least Boglehead 2014 Activity?

Post by John151 » Sun Dec 14, 2014 1:26 pm

Most Bogleheadish: I harvested a tax loss on a bond fund and invested the proceeds in a fund that was similar but not substantially identical.

Least Bogleheadish: My stocks have drifted above my target level, but I decided not to rebalance. My reason: I don't like paying capital gains taxes, even if they can be offset by harvesting capital losses.

travelnut11
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Re: Most/Least Boglehead 2014 Activity?

Post by travelnut11 » Sun Dec 14, 2014 2:17 pm

Most: convinced my new husband to increase his 401K contributions to the IRS max; have an accepted offer on a house well below our price range which we will be putting 20% down on.

Least: given new house and new baby in spring 2015 I may have to forgo my Roth contribution for 2014. Or if we decide to do just one it will be for my husband who doesn't have a Roth IRA at all. This pains me a bit as I haven't missed a year since I was 22 (37 now). :(
Travel is fatal to prejudice, bigotry and narrowmindedness ...and many of our people need it solely on these accounts. - Mark Twain | | Life is either a daring adventure or it is nothing. - Helen Keller

poker27
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Re: Most/Least Boglehead 2014 Activity?

Post by poker27 » Sun Dec 14, 2014 8:11 pm

Least: too many to count. Daily coffee, tons of lunches out, tons of dinners out, gambling losses, I dont even want to know the amount of $ spent on alcohol out, however I do this because...
Most: maxed 401k, paid house off enough to have PMI removed, added to taxable, converted another 1/4 of my EF to Ibonds,

sschullo
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Re: Most/Least Boglehead 2014 Activity?

Post by sschullo » Sun Dec 14, 2014 8:29 pm

Least: two: 1. bought an expensive NEW car! and 2. allowed my equity AA creep up about 7% above my target.
Most: ignored all of the noise.
Public School K-12 Educators: "Ask NOT what your annuity sales person can do for you, ask what you can do to be a Do-It-Yourselfer (DIY)."

CuteClassyCleverChic
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Re: Most/Least Boglehead 2014 Activity?

Post by CuteClassyCleverChic » Sun Dec 14, 2014 9:41 pm

Love reading this thread! Thanks all for sharing!

Most:
- Decided on our mid-life (age early forties) asset allocation: 65 stocks, 35 bonds. Realized we are getting surprisingly close to "our number" and thought it might be prudent to shift to lower % equities than we previously had. Frankly, I find the whole AA decision to be tricky.
- Got a good clear handle on annual expenses. ( We LBYM, but wow the amount surprised me and in absolute terms doesn't seem BH-ish)
- Continued maxing all available tax-advantaged and backdoor Roth, also 529s and taxable account when funds available.

Least:
- Spent over $26k on vacations (international and domestic) this year for family memories :shock: My recent analysis of annual expenses for the past several years revealed this is a recurring theme for us :shock: :o :?
My username is what I try daily to be.

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pennstater2005
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Re: Most/Least Boglehead 2014 Activity?

Post by pennstater2005 » Sun Dec 14, 2014 10:09 pm

Most: Ignoring the noise.

Least: Sometimes not ignoring the noise.

Most(again): Not acting on sometimes not ignoring the noise.

:?
“If you think nobody cares if you're alive, try missing a couple of car payments.” – Earl Wilson

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JamesSFO
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Re: Most/Least Boglehead 2014 Activity?

Post by JamesSFO » Sun Dec 14, 2014 10:57 pm

CuteClassyCleverChic wrote:Love reading this thread! Thanks all for sharing!
Yes, I must confess even as the OP here I'm continuing to enjoy and learn from the stories in this one. Thanks fellow BH'ers for continuing to share. Lots of actionable thoughts of things to do differently/keep doing in 2015.

michaelsieg
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Re: Most/Least Boglehead 2014 Activity?

Post by michaelsieg » Sun Dec 14, 2014 11:11 pm

Most: Implemented a factor based portfolio and shifted some value funds to Rafi indexes. Kept rebalancing and kept AA in VGPMX (was pretty painful...).
Least: Considered RSX (a Russia ETF) as an EM value fund and put part of my EM allocation into it.

mochila
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Re: Most/Least Boglehead 2014 Activity?

Post by mochila » Sun Dec 14, 2014 11:30 pm

Most: joined this board

Least: maxed out Roth with more VTSAX on Friday, during the selloff. Though I was planning to do this on 12/31 and was just getting it over with a couple weeks early, I just know I'll soon be chastened for letting the noise turn my head.

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dianna
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Re: Most/Least Boglehead 2014 Activity?

Post by dianna » Mon Dec 15, 2014 1:40 am

Most: Stayed the course; maxed out tax-advantaged accounts for 2014; set up to do the same for 2015; Lived Below Means; DIY home repairs and upkeep; monthly review with spouse on AA and 1pg (double-sided) "snapshot" of overall financial picture.

Least: Upcoming trip with 80+ yo parents, likely their last time out of the USA for many reasons; not a luxurious trip by many standards, but splurges on our behalf to make it comfortable and seamless. Worth every penny.

And as the master card commercial would imply: ROI on the "least 2014 Boglehead activity?": priceless

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max12377
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Re: Most/Least Boglehead 2014 Activity?

Post by max12377 » Mon Dec 15, 2014 8:13 am

Most: Held all my bonds in tax-deferred
Least: Received an inheritance and am holding some muni's in taxable even though I have tax-deferred space to hold bonds.

A controversial topic considering low bond yields. I've been giving a lot of thought to this strategy and will likely sell the muni's and move back to all bonds in tax-deferred. But I wonder about the implications.

I tax adjusted my portfolio shortly before the big run-up so I have a big taxable account with 15% ltcg. If that account drops 50% I would perform the mother of tax loss harvests. I would have to buy stocks in tax deferred to maintain my AA. Then if stocks rose again I would buy the bonds back in my tax deferred account. Seems logical.. I just don't know where the risk is in this strategy and that makes me a little nervous.

This is the link:

http://www.bogleheads.org/forum/viewtop ... w=viewpoll

yosef
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Re: Most/Least Boglehead 2014 Activity?

Post by yosef » Mon Dec 15, 2014 8:32 am

Most: Maxed all tax deferred accounts and saved a lot more from my severance package.

Least: Still have way too much money in cash with no defined purpose.

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JamesSFO
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Re: Most/Least Boglehead 2014 Activity?

Post by JamesSFO » Mon Dec 15, 2014 11:59 am

max12377 wrote:Most: Held all my bonds in tax-deferred
Least: Received an inheritance and am holding some muni's in taxable even though I have tax-deferred space to hold bonds.

A controversial topic considering low bond yields. I've been giving a lot of thought to this strategy and will likely sell the muni's and move back to all bonds in tax-deferred. But I wonder about the implications.

I tax adjusted my portfolio shortly before the big run-up so I have a big taxable account with 15% ltcg. If that account drops 50% I would perform the mother of tax loss harvests. I would have to buy stocks in tax deferred to maintain my AA. Then if stocks rose again I would buy the bonds back in my tax deferred account. Seems logical.. I just don't know where the risk is in this strategy and that makes me a little nervous.

This is the link:

http://www.bogleheads.org/forum/viewtop ... w=viewpoll
The EL/AL threads always make my head spin a bit but will check that one out. Thanks for sharing your most/least!

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VictoriaF
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Re: Most/Least Boglehead 2014 Activity?

Post by VictoriaF » Mon Dec 15, 2014 12:59 pm

I have retired in 2014. It's "the" something, but I can't determine if it's the most or the least.

Victoria
WINNER of the 2015 Boglehead Contest. | Every joke has a bit of a joke. ... The rest is the truth. (Marat F)

Dave55
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Re: Most/Least Boglehead 2014 Activity?

Post by Dave55 » Mon Dec 15, 2014 1:04 pm

Most: VTI, VXUS only equity holdings and maintained the 50/50 portfolio balance
Least: 3 different actively managed bond funds

Dave

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NaOH
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Re: Most/Least Boglehead 2014 Activity?

Post by NaOH » Mon Dec 15, 2014 1:13 pm

Most: married a sensible woman with similar financial goals. :)

Least: Financed a brand new car at a rate > 0%.

(and I don't even feel bad about it)
"Are you flying? Or are you simply floating?"

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vitaflo
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Re: Most/Least Boglehead 2014 Activity?

Post by vitaflo » Mon Dec 15, 2014 1:50 pm

Most: Saved 73% of our income, maintained AA.
Least: Felt bad when I didn't buy extra during the big market dip in Oct.

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JamesSFO
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Re: Most/Least Boglehead 2014 Activity?

Post by JamesSFO » Mon Dec 15, 2014 3:52 pm

VictoriaF wrote:I have retired in 2014. It's "the" something, but I can't determine if it's the most or the least.

Victoria
It can be both at the same time. Congratulations again!

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Ged
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Re: Most/Least Boglehead 2014 Activity?

Post by Ged » Mon Dec 15, 2014 4:15 pm

Most: Told my Fidelity broker that I am not buying any of his adviser funds. Hugely enjoyed my first full year of retirement. Spent a lot of time on this site. Made some small adjustments to my asset allocation because I'm getting out of tilting for now.

Least: Overspent on some landscaping.

ANC
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Re: Most/Least Boglehead 2014 Activity?

Post by ANC » Mon Dec 15, 2014 11:02 pm

Most:
- Cleaned up my tax-deferred accounts of unnecessary funds
- Sold my small value

Least:
- Stayed the course with a portfolio 55% active, 25% passive and 20% non-fund (CDs, I-bonds, single stocks)
- Sold my small value

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