Search found 913 matches

by stimulacra
Tue Apr 13, 2021 5:41 pm
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 1086
Views: 89731

Re: First 20% of bonds in long-term Treasuries

Looking to add EDV to my portfolio. Currently for bonds I have: VBTLX (Vanguard Total US Bonds): 9% VIPSX (Vanguard Inflation Protected Securities): 9% VICSX (Vanguard Intermediate-Term Corporate Bonds): 8% As far as I can tell, there is some overlap with VBTLX and VICSX but not too bad. Would it m...
by stimulacra
Tue Apr 13, 2021 4:37 pm
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 1086
Views: 89731

Re: First 20% of bonds in long-term Treasuries

Looking to add EDV to my portfolio. Currently for bonds I have: VBTLX (Vanguard Total US Bonds): 9% VIPSX (Vanguard Inflation Protected Securities): 9% VICSX (Vanguard Intermediate-Term Corporate Bonds): 8% As far as I can tell, there is some overlap with VBTLX and VICSX but not too bad. Would it m...
by stimulacra
Tue Apr 13, 2021 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much does your employer sponsered health insurance cost you?
Replies: 36
Views: 1929

Re: How much does your employer sponsered health insurance cost you?

Every 2 weeks I pay for self + children: Medical: $93.69 Dental: $7.85 Vision: $6.46 HSA contribution: $238.46 $346.46 x 26 periods = $9007.96 I chose the HDHP/HSA option for medical. I think dental and vision is the mid-tier option. Your HSA isn’t a cost. You’re paying $2439.94 in medical premiums...
by stimulacra
Tue Apr 13, 2021 2:17 pm
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 1086
Views: 89731

Re: First 20% of bonds in long-term Treasuries

Looking to add EDV to my portfolio. Currently for bonds I have: VBTLX (Vanguard Total US Bonds): 9% VIPSX (Vanguard Inflation Protected Securities): 9% VICSX (Vanguard Intermediate-Term Corporate Bonds): 8% As far as I can tell, there is some overlap with VBTLX and VICSX but not too bad. Would it ma...
by stimulacra
Tue Apr 13, 2021 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How much does your employer sponsered health insurance cost you?
Replies: 36
Views: 1929

Re: How much does your employer sponsered health insurance cost you?

Every 2 weeks I pay for self + children:

Medical: $93.69
Dental: $7.85
Vision: $6.46
HSA contribution: $238.46

$346.46 x 26 periods = $9007.96

I chose the HDHP/HSA option for medical. I think dental and vision is the mid-tier option.
by stimulacra
Mon Apr 12, 2021 9:49 am
Forum: Personal Consumer Issues
Topic: Gardening 2021
Replies: 30
Views: 2478

Re: Gardening 2021

Zone 9 tropical here. Pretty much every plant in my patio garden died during the freeze. Restarted my herb garden this month with the following below: 1) Sweet Basil 2) Spicy Basil 3) Dill 4) Mint 5) Spearmint 6) Sage 7) Lemon Verdanna 8) Jalapeno Peppers 9) Habenaro Peppers 10) Scallions Will proba...
by stimulacra
Mon Apr 12, 2021 9:31 am
Forum: Personal Consumer Issues
Topic: What do you do with well worn clothing?
Replies: 39
Views: 3131

Re: What do you do with well worn clothing?

You can mend them if you like the specific article.

Sashiko mending is very popular right now.

Clothes I don't want to wear anymore either gets donated or turned into rags.
by stimulacra
Sun Apr 11, 2021 8:52 am
Forum: Personal Consumer Issues
Topic: buying laptop
Replies: 15
Views: 1475

Re: buying laptop

What's your budget and what will you use the laptop for? I think those two things will dictate what you'll need and get. Refurbished is probably the best route to go all things being equal. You usually get a nice discount on a like-new machine. Next up would be Costco. Decently specced mid-range opt...
by stimulacra
Sat Apr 10, 2021 2:33 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 7747

Re: Mixing Bogle and Ramsey to build my portfolio

You need “good growth mutual funds”: growth, aggressive growth, and growth and income.

It’s a little ambiguous how that would map out across Vanguard funds but a “Smartvestor Pro” will be glad to help out.
by stimulacra
Fri Apr 09, 2021 10:16 am
Forum: Personal Finance (Not Investing)
Topic: What to do with cashing out vacation time
Replies: 4
Views: 572

Re: What to do with cashing out vacation time

You have access to two pre-tax accounts: Employer sponsored 401k (or 403(b)/457, etc…) Traditional IRA Are you maxing both out? That should give you about $25,500 of space to fill up. If you have an HDHP/HSA you have access to a third pretax account ($3,600 for self, $7,000 for family). The rest wil...
by stimulacra
Fri Apr 09, 2021 9:58 am
Forum: Personal Investments
Topic: Lump sum - now or later?
Replies: 7
Views: 1103

Re: Lump sum - now or later?

I'd take the lump sum now…

1) I'm confident the average boglehead can allocate that money more efficiently.
2) Why keep track of 2 accounts when you can consolidate to 1?
by stimulacra
Fri Apr 09, 2021 9:54 am
Forum: Personal Investments
Topic: How to lose the desire of outperforming the market?
Replies: 112
Views: 7018

Re: How to lose the desire of outperforming the market?

The last 12 months (April 2020 — Today) I saw a rate of return of 39% in my portfolio. During that period I consolidated SCV and MC into Total US Stocks. Not sure if I would have even noticed 1% additional in performance. I think staying the course and resisting the urge to touch my investments when...
by stimulacra
Thu Apr 08, 2021 3:16 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3082

Re: Should I replace 2 or 4 tires?

When you rotate (or someone rotates) your tires in a standard cross pattern, you will have new and old tires on different axles. Why not have all four tires match? Some cars do not call for a cross pattern - only side to side. For my car (AWD) they only do front to back if all tires are of even wea...
by stimulacra
Thu Apr 08, 2021 2:02 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5876

Re: Simplicity over Small Cap Value

I did SCV (and MC) tilt for years. I finally switched to Total US Stocks for all things domestic in 2020. I still have a substantial EM tilt for international but am letting it ride a bit longer. Having overlapping holdings is a bit of a headache when it comes time to rebalance. I'm simplifying as I...
by stimulacra
Thu Apr 08, 2021 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Missing a Long Term Financial Goal
Replies: 61
Views: 9175

Re: Disappointed in Missing a Long Term Financial Goal

Congrats!

Any takeaways for people who might few like they're in a similar boat?

Do you think the volatility over the past 3-4 years helped?
by stimulacra
Wed Apr 07, 2021 1:11 pm
Forum: Personal Investments
Topic: Sell expensive Hartford funds?
Replies: 23
Views: 1543

Re: Sell expensive Hartford funds?

I'd sell it one fund at a time… either smallest balance first or highest ER first and work my way through the list.

Have you back-tested those funds against similar index funds? Usually the gap due to fees is what motivates me to make the transition.
by stimulacra
Wed Apr 07, 2021 1:00 pm
Forum: Personal Investments
Topic: Gold and Silver Questions?
Replies: 44
Views: 3245

Re: Gold and Silver Questions?

My gold allocation has dropped relative to other assets. This post prompted me to rebalance into gold this week :)
by stimulacra
Tue Apr 06, 2021 8:56 pm
Forum: Investing - Theory, News & General
Topic: “Bogleheads’ Guide To Investing” Portfolios - 50% in TIPS?
Replies: 25
Views: 3024

Re: “Bogleheads’ Guide To Investing” Portfolios - 50% in TIPS?

Of my bond allocation, I do 1/3 Total Bonds, 1/3 TIPS, 1/3 Corporate Bonds.
by stimulacra
Tue Apr 06, 2021 5:29 pm
Forum: Personal Consumer Issues
Topic: Should I replace 2 or 4 tires?
Replies: 55
Views: 3082

Re: Should I replace 2 or 4 tires?

Replace all four and keep the two 5/32 as full size spares. I went through this exact thing last month at Costco. Two were almost bald and two were near new. I drive an AWD vehicle and haven't been able to replace a solo tire ever. Also I guessed I missed a rotation and they refused to rotate them, ...
by stimulacra
Tue Apr 06, 2021 2:53 pm
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3294

Re: Should I buy a SLR camera without a built in flash?

What's the aperture or F-stop range on your current lenses? If it's like F 3.5-5.6 (kit lens range) you'll need a tripod to keep the camera steady or crank the ISO way up. If the shutter speed is slower than 1/60 you'll probably have noticeable camera shake in most of your shots. Getting a fast 35m...
by stimulacra
Tue Apr 06, 2021 12:04 pm
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3294

Re: Should I buy a SLR camera without a built in flash?

I'm going to chime in and say that the "Pro" designation is a mix of both engineering and marketing. Yes, a camera manufacturer can label any camera as a "Pro" model that they want but customers are equally empowered to reject or ignore those labels. The Sony A9 was Sony's "...
by stimulacra
Tue Apr 06, 2021 10:57 am
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3294

Re: Should I buy a SLR camera without a built in flash?

Thanks all. I learned a lot from this thread. Most importantly, I think I probably overrely on my D300 flash. I need to try using it without flash and learn how to do indoor photography with no flash with my D300. Then maybe the D850 will become more appealing. Really appreciate all of the input. W...
by stimulacra
Tue Apr 06, 2021 10:33 am
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3294

Re: Should I buy a SLR camera without a built in flash?

What lenses do you currently have? Current Full Frame Nikon DSLR's with built-in flash: D610 D750 (older version of the D780 before flash was removed) D810A (for astrophotography) If all you have is a kit lens and a nifty fifty. I would sell everything and get a compact mirrorless that has built in ...
by stimulacra
Mon Apr 05, 2021 11:39 am
Forum: Personal Investments
Topic: Roth IRA for 11 Year Old: Asset Allocation Ideas
Replies: 10
Views: 868

Re: Roth IRA for 11 Year Old: Asset Allocation Ideas

dunkmachine wrote: Mon Apr 05, 2021 11:06 am Just curious what sort of earned income does an 11 year old have?
Odd jobs paid out of an LLC or several.
by stimulacra
Mon Apr 05, 2021 11:00 am
Forum: Personal Investments
Topic: Roth IRA for 11 Year Old: Asset Allocation Ideas
Replies: 10
Views: 868

Roth IRA for 11 Year Old: Asset Allocation Ideas

Looking to set up a Roth IRA for an 11 year old this year. All earned income will be deposited there and I would just give them an allowance for an equal amount (Hoping "Nudge Theory" will lead to good lifelong habits). With a 50+ year investment horizon I was thinking something simple reb...
by stimulacra
Thu Apr 01, 2021 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you trust the current value of your portfolio?
Replies: 130
Views: 9182

Re: Do you trust the current value of your portfolio?

My margin of safety is about 30%. If I really want to be pessimistic, I'll just assume half value.
by stimulacra
Wed Mar 31, 2021 9:57 am
Forum: Investing - Theory, News & General
Topic: What’s the correct diversification for high inflation?
Replies: 214
Views: 17705

Re: What’s the correct diversification for hyperinflation?

Zero debt
Real tangible assets
Hold currencies outside of US dollar
by stimulacra
Sat Mar 27, 2021 1:00 am
Forum: Personal Investments
Topic: Help Structuring 529 Allocation
Replies: 14
Views: 1004

Re: Help Structuring 529 Allocation

I have two kids 10 years apart. First child has a custom allocation that changes year-to-year to simulate a glide path. Automatically rebalances every six months. Second child is in a Target Date fund. My focus has shifted a bit between the two. I doubt there will be a huge delta between the two pla...
by stimulacra
Wed Mar 24, 2021 11:00 am
Forum: Personal Investments
Topic: Desperately asking for help - Thank you!
Replies: 39
Views: 5294

Re: Desperately asking for help - Thank you!

Invest now, don't wait for a market downturn. You need to make investing a habit. Automatic if you can. Volatility is your friend. It's what keeps stocks affordable from time to time and what scares other people out of the market when there's a slight downturn. Might suggest a target date fund as we...
by stimulacra
Tue Mar 23, 2021 11:58 pm
Forum: Investing - Theory, News & General
Topic: Using Long-Term Corporates As an Equity Diversifier during Accumulation
Replies: 18
Views: 1178

Re: Using Long-Term Corporates As an Equity Diversifier during Accumulation

Not long term corporates but I've held intermediate corporates (VICSX) for 5 years at around 8% allocation. It has only grown 26% during those 5 years. Equities has left it in the dust but it, and my other bond holdings, keeps me very chill during market drops. I'm just chugging along and don't mind...
by stimulacra
Tue Mar 23, 2021 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: What is an average retirement a/c worth in America ?
Replies: 228
Views: 22376

Re: What is an average retirement a/c worth in America ?

Average 401k balance by retirement age is about $200k, median balance is $65k. Most people without a 401k, 403b, pension or equivalent plan depend on social security, a paid off home, and whatever taxable investments they might have. Bogleheads is skewed. It's an investing forum with an eye towards ...
by stimulacra
Thu Mar 18, 2021 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Asking HR for a raise
Replies: 52
Views: 4942

Re: Asking HR for a raise

You don't ask HR for a raise.
by stimulacra
Wed Mar 17, 2021 11:48 pm
Forum: Personal Consumer Issues
Topic: upgrade iphone 6??
Replies: 62
Views: 3828

Re: upgrade iphone 6??

1) Ask your employer to issue you a work phone. I don't check work email on my personal devices because I view it as a work/life boundary. 2) 2-4 years is probably the typical cycle upgrade. You might be able to stretch it to 4-6 years. 8-10 years was never realistic IMHO. 3) iPhone SE should easily...
by stimulacra
Wed Mar 17, 2021 11:20 am
Forum: Personal Consumer Issues
Topic: Toyota Sienna - Which Years Were Best?
Replies: 18
Views: 1345

Re: Toyota Sienna - Which Years Were Best?

The final production year of an outgoing generation will tend to be more reliable, they've had the longest possible runway to figure out the kinks. So… 2010 and 2020 would be the most reliable years for their respective generation (2nd and 3rd). With that said, I would say 2015-2020 would be where I...
by stimulacra
Tue Mar 16, 2021 2:03 pm
Forum: Investing - Theory, News & General
Topic: Creating An Anti Fragile Portfolio
Replies: 86
Views: 6625

Re: Creating An Anti Fragile Portfolio

My understanding of Antifragility is that you are trying to create something that does exceptionally well during market downturns. Something that does equally well in all markets is robust and resilient, it is not anti fragile. Nassim Nicholas Taleb is pretty explicit in this distinction. You might...
by stimulacra
Tue Mar 16, 2021 2:00 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio Bond Advice - What options do we have?
Replies: 85
Views: 9897

Re: Ray Dalio Bond Advice - What options do we have?

Read the article on LinkedIn. Found it interesting. My questions: 1) How does one invest in or gain exposure to Chinese bonds? 2) Any good funds for EM bonds? 3) Are commodities then a good asset to consider? 4) Crypto or thematic? For the time being, I'm keeping my allocation mostly the same. His i...
by stimulacra
Mon Mar 15, 2021 5:12 pm
Forum: Personal Consumer Issues
Topic: Non-fungible tokens (NFTs): anyone investing in those?
Replies: 231
Views: 16613

Re: Non-fungible tokens (NFTs): anyone investing in those?

Digital tulip bulbs with eyebrow raising carbon footprints. From Wikipedia: "NFTs mostly run on a proof-of-work blockchain, which is less energy efficient than a proof-of-stake blockchain.[52] The British AI artist Memo Akten created an online CO2 calculator to criticize the unreasonable carbon...
by stimulacra
Sun Mar 14, 2021 12:20 pm
Forum: Investing - Theory, News & General
Topic: Creating An Anti Fragile Portfolio
Replies: 86
Views: 6625

Re: Creating An Anti Fragile Portfolio

My understanding of Antifragility is that you are trying to create something that does exceptionally well during market downturns. Something that does equally well in all markets is robust and resilient, it is not anti fragile. Nassim Nicholas Taleb is pretty explicit in this distinction. You might ...
by stimulacra
Thu Mar 11, 2021 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Don't hit that "File" button in your tax software till you know what filing early does to your 3rd stimulus check
Replies: 50
Views: 7288

Re: Don't hit that "File" button in your tax software till you know what filing early does to your 3rd stimulus check

Does anyone know when the next round of checks go out?

Based on 2019 returns, I won't get anything.

With 2020, if I max out my IRA contributions this week/month and move a bunch of deductions up (lump versus 5-year spread) I will fall somewhere between the two cutoffs.
by stimulacra
Sun Feb 28, 2021 3:15 pm
Forum: Personal Consumer Issues
Topic: All Wheel Drive vs. Front Wheel Drive
Replies: 59
Views: 18988

Re: All Wheel Drive vs. Front Wheel Drive

I've alternated between FWD and AWD.

AWD is definitely more expensive in terms of fuel consumption and maintenance.

For Houston roads FWD is perfectly fine 99% of the time but for that 1% (Usually bad weather) it's nice to have AWD.

I run all season tires exclusively.
by stimulacra
Thu Feb 18, 2021 4:25 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18523

Re: Any Boglehead Lessons From the Texas Winter Storm?

Up until this incident, I thought a natural-gas generator was the high-end system. But it sounds like many of them would have failed in Texas. Does this mean you need to use propane, even if you already have natural gas to the house? I'm not certain large swaths of residential customers lost natura...
by stimulacra
Thu Feb 18, 2021 2:23 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18523

Re: Any Boglehead Lessons From the Texas Winter Storm?

More emergency fuel. Ordering two Jerry Cans (will cycle through quarterly). You might also want to add something to stabilize the stored fuel if you have additives in the fuel (most place do).... In a vehicle, I would not use the majority of stored fuel as should mix with some fresh. A good mitiga...
by stimulacra
Thu Feb 18, 2021 2:11 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18523

Re: Any Boglehead Lessons From the Texas Winter Storm?

Most of those frozen or refrigerated food items had to be tossed after day 2. I do not understand this statement. Where I live in Texas (we lost power), outside was cold enough for all frozen food and certainly more than cold enough for anything in the fridge. One of the benefits of winter camping ...
by stimulacra
Thu Feb 18, 2021 12:33 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18523

Any Boglehead Lessons From the Texas Winter Storm?

Houston poster here. Finally have steady power after 52 hours in the dark (early Monday to late Wednesday morning). The last 4 days have been rather eye opening in terms of preparedness, our reliance on infrastructure or the system working as planned, and the low level panic that can grip a city and...
by stimulacra
Wed Feb 17, 2021 10:49 pm
Forum: Personal Consumer Issues
Topic: Electric car in evacuation situation
Replies: 143
Views: 12212

Re: Electric car in evacuation situation

Only EV I would consider is an electric bicycle, you can peddle in the worst case scenario. Diesel or hybrid would be the best option. You want a vehicle that go 600 miles at least. There will be a 400-500 mile radius death ring of abandoned cars outside of every major urban area when SHTF I do thin...
by stimulacra
Wed Feb 17, 2021 4:12 am
Forum: Personal Investments
Topic: Nvidia and AMD: Regret and Luck vs. Skill
Replies: 43
Views: 3246

Re: Nvidia and AMD: Regret and Luck vs. Skill

I’ll do you one better... A year out of college I bought myself a second generation iPod (10 GB) model. It served me well for many years till FireWire was eventually phased out. It’s now an antiquated paperweight in my office. Maybe a couple of years ago I started calculating what if I invested that...
by stimulacra
Fri Feb 12, 2021 7:50 pm
Forum: Personal Investments
Topic: HSA investment: choose fund with better performance or lower fees?
Replies: 11
Views: 710

Re: HSA investment: choose fund with better performance or lower fees?

If two funds fit my investing and asset allocation criteria, I'll almost always go for the one with lower fees. The few times I don't I usually involves very specific holdings that one might have that the other doesn't or a specific style of philosophy that resonates with me.
by stimulacra
Mon Feb 01, 2021 5:07 pm
Forum: Personal Consumer Issues
Topic: Car Advice
Replies: 20
Views: 1763

Re: Car Advice

Maybe get a fun used (heavily depreciated) 4x4 SUV as a third vehicle?

Landcruiser, Sequoia, Tahoe, Armada, Durango, X5, Q9.

The revamped Honda Ridgeline makes for an interesting beach-ready ride. The in-bed trunk doubles as a nice built-in ice cooler with drainage holes. Kids love it.
by stimulacra
Mon Feb 01, 2021 4:57 pm
Forum: Personal Investments
Topic: Where would you tell a 20 yo to invest 5000$
Replies: 60
Views: 4251

Re: Where would you tell a 20 yo to invest 5000$

Target date fund in their Roth IRA ideally, otherwise in their traditional IRA.
by stimulacra
Mon Feb 01, 2021 3:02 pm
Forum: Personal Consumer Issues
Topic: Car Advice
Replies: 20
Views: 1763

Re: Car Advice

You can afford it. I would say that the CX-5 platform is more current tech than the 4runner which dates back to 2009. Look at a slightly used Lexus GX. It looks like a soccer mom ride but is built on the Toyota Land Cruiser Prado platform. Used models are popular as off-roaders. AWD Highlander might...