Bogleheads.org

TNWoods

It depends on how large the 401K is. If you have over a half million in the 401K then you will want to spend to at least the top of the 12% bracket (about $53,000 if filing single) from the 401K to prevent even larger RMDs in the future. If the 401K is small, then spending the cash is fine. I would...

TNWoods

count damoney wrote: ↑Fri Apr 16, 2021 1:01 pm Don't F**k with cats - Netflix

Was going to recommend this one if no one else had.

TNWoods

TNWoods

Water wrote: ↑Thu Apr 15, 2021 6:00 pm From my view, the article has an erogenous intent.

Who doesn't love money?

TNWoods

TNWoods

3 years ago today I bought a 2006 Tacoma Pre-Runner with 54,000 miles, so 12 years and low mileage. The used Jeep Cherokee I bought before that one was also over 10 years old, and had around 57,000 when I bought it. That's around the limit I set when shopping, 10 years, give or take, and under 60,00...

TNWoods

Randy Quaid? That you?

TNWoods

TNWoods

And I still don't understand what "investment aspect" is referring to ... Fuzzy... I believe he is using the term in place of "speculate", as many do. I think he means he is interested only in buy-and-hold, ("HODL"), and not interested in using BTC for purchasing goods...

TNWoods

An advantage over buying directly is that you have no need to worry about wallets and passwords and private keys. We've all heard about people who have significant BTC but can't access it, or literally physically lost it. So, yes, this is a good way to speculate in BTC without having to worry about ...

TNWoods

False Dichotomy and Strawman are the two that crop up most often, in my opinion. Another thing that you'll find in very many threads is that respondents simply ignore the question asked, and demand to know why the poster wants to ask such a dumb question in the first place. Or they will ignore the q...

TNWoods

Calculate what your initial crypto outlay would be worth if you had done something all these boglehead purists would have approved, like buying VTSAX or VTIAX, or whatever. Sell enough crypto to have the initial outlay plus double the return plus enough to pay the cap gains tax, and put it into your...

TNWoods

Should there be an "Active Investing, Speculation, and Gambling" forum where all that stuff should go? Yes. The "5% Forum". Or the "Funny Money" forum. And the mods can simply instantly delete all the self-righteous fanatical zealot posts so that people can have an int...

TNWoods

My first instinct was "No, if you make payments on time, that's what they want to see." But I googled and found that was true, but there's a 2nd consideration that may harm your score: from Google: First, the good news. The amount of your last payment is listed on your credit report, but c...

TNWoods

pennstater2005 wrote: ↑Thu Dec 20, 2012 5:23 pm Please no like button. I'm not 12.

Great post!

TNWoods

TNWoods

And Jack posted here quite a few times when he was alive. He was never "lambasted" nor called a market-timer (although I'm guessing you would have called him out if you had been here at the time) I looked it up, he posted here 20 times. User name jack bogle. He joined January 7, 2009 and ...

TNWoods

Before you start buying large quantities, buy an ounce. Note that they probably charge you full spot price, possibly more. Then, the next day, go back to the same place and sell it back to them. Note how much of a discount you get compared to what you paid. There are more enjoyable ways to lose mone...

TNWoods

Buy it. Drive it, love it, show it off at Friday night car enthusiast gatherings in supermarket parking lots in your area, enjoy it. If it eventually goes up in value, great. If it stays the same, great. If it goes down, who cares? It won't go to zero. The amount you are spending on it is not enough...

TNWoods

Compare it to VTSAX, Total US Stock Market index, or VFIAX, S&P 500 index.

If yours is better, congrats, you beat the market.

Those two are good enough comparisons for you to get an answer to your question.

TNWoods

TNWoods

John C. Bogle has suggested that if you cannot resist the idea of devoting some "funny money" to speculation, it is OK if you a) literally keep it in a separate account from your "serious money," and that you b) limit it to 5% of your portfolio. The idea is always that if you li...

TNWoods

Anastasia Island with walks on the beach, & day trips into St Augustine is nice.

TNWoods

TNWoods

Michael Scott wrote:
You know what they say: "three years' salary."

TNWoods

Essentially the risk analysis I'm doing on crypto is this. There is a 2% chance I lose 100% of what I invest in Cryptocurrency. There is a 25% chance that end of year price is half the price at the start of 2020. There is a 30% chance crypto stays stagnant in the range in which I purchase. 0% retur...

TNWoods

https://www.amazon.com/Mustaches-Adhesi ... B073VPGW42

This is what I use when I do that.

TNWoods

TNWoods

When I and some friends did this years ago in the Quetico Boundary area, the rules were that you can't stay at the same site more than one night, and you have to follow the route that they tell you to follow. ("They" were the Canadians doing border crossing control.) They would send groups...

TNWoods

The academic studies and French-Fama model prove that investing in small cap value provides better returns. So what is the reason why every indexer doesn't do it? I personally want to convert my entire world cap stock index to small cap value index, because studies prove it has provided better retu...

TNWoods

4807.62

TNWoods

TNWoods

Up 44%, not including contributions.

But that does include the returns on those contributions.

As you can see, I have some non-Boglehead-approved investments, and I will continue to have until such a time as their performance indicates it is time to come in from the cold.

TNWoods

TNWoods

MMLC3's "2020 Vision Fund" should be declared the clear winner, since they picked 3 long and 2 short, and nailed it.

Those 5 for 5 with such strong results for each one is much more impressive than 1 for 1, or any of the rest of us.

TNWoods

TNWoods

If you could post a picture of more of the document with other words that can be read, it might help "train" the eye to interpret these letters a bit.

TNWoods

TNWoods

Kagord wrote: ↑Wed Dec 23, 2020 3:08 pm Did someone actually post about Badges? We ain’t got no badges. We don’t need no badges. I don’t have to show you any stinking badges.

The full original!

You must be old!

TNWoods

TNWoods

ICCL. Just saying. I know the International Committee on Computational Linguistics should really regulate this stuff If not the next thing we know, we will have new words and expressions. The English language has not changed for 2000 years. We must protect it. We might have some French words in the...

TNWoods

OP, ITA. OYCFOWTOPMBISAPITA. TNWoods "Or you can find out what the OP means by internet searching although pain in the ass." (I think I'm close :D ) The correct answer was "Often you can figure out what the OP means, but its still a pain in the ass," but I've consulted with the ...

TNWoods

OP,

ITA.

OYCFOWTOPMBISAPITA.

TNWoods

TNWoods

<r><QUOTE author="Raymond" post_id="5669372" time="1608354235" user_id="36163"><s>[quote=Raymond post_id=5669372 time=1608354235 user_id=36163]</s> <QUOTE author="MarkRoulo" post_id="5669104" time="1608343295" user_id="99974"><s>[quote=MarkRoulo post_id=5669104 time=1608343295 user_id=99974]</s> <QU...

TNWoods

This would have been a good post in 104 days.

TNWoods

TNWoods

$6.99

https://www.replacements.com/search?que ... ry+cottage

TNWoods

TNWoods

I would recommend that 50% of the cost be split equally, and 50% be split using the proportional distance formula. It is true that the economy of scale factor comes into play, and "A" is benefitting mightily, as finite_difference says. What if "A" had no neighbors at all on that ...

TNWoods

Sounds more like Beanie Babies or Popeye's Spicy Chicken Sandwich than an economic meltdown.

TNWoods

TNWoods

I would be so far behind where I am now. I started in late 2008 with individual stocks, and made a lot of good decisions, and a few bad ones. Some of the good ones were very, very good. I still have a decent amount of individual stocks, because they are still beating the S&P, but I also have pla...

TNWoods

Would it be possible to snake a PVC or plastic pipe through the existing copper?

If not, try http://www.statue.com/Products/Fountain ... -Statuary/. Several piped dolphins in a wide range of prices.

TNWoods

TNWoods

I don't need anywhere close to 80% of what I make NOW, so why would I need 80% when I retire?

I think this is a useless "rule of thumb" because there are so many caveats and qualifications.

TNWoods

TNWoods

I stayed in the same place for 22 years (so far). I recently had a reason to check what I would have paid in rent vs what it cost me to buy this house. (I assumed the rent that I paid prior to buying this house increased linearly over the years to end at the cost of rent today.) Including two new ro...

TNWoods

He is going to buy some stuff that is CURRENTLY outperforming VTSAX. Yes, this indeed what I plan to do. I told him if he is going to do that, he needs to keep a parallel VTSAX spreadsheet, and constantly compare the performance of the two. The moment the stuff that is CURRENTLY OUTPERFORMING start...

TNWoods

The moment your performance chasing begins to fail, switch to the benchmark. That doesn't work. If it was that easy, then millions of other investors would just arbitrage that opportunity away. Read the whole OP, read my WHOLE response. Your reply is a complete non-sequitur. TNWoods I did - nothing...

TNWoods

burritoLover wrote: ↑Fri Sep 18, 2020 2:24 pm
TNWoods wrote: ↑Fri Sep 18, 2020 12:50 pm The moment your performance chasing begins to fail, switch to the benchmark.
That doesn't work. If it was that easy, then millions of other investors would just arbitrage that opportunity away.

Read the whole OP, read my WHOLE response.

Your reply is a complete non-sequitur.

TNWoods

TNWoods

snailderby, You need to re-read the OP. This is not a thread about "how to performance chase and why it is awesome and all the cool kids are doing it". OP said quite clearly that he has decided to chase performance. The thread begins there. He did not say "I am ignorant about performa...

TNWoods

As soon as it looks like your strategy is slowing to perform the same as, or worse than, VTSAX, transition to VTSAX. If the tech sector does slow or underperform, it is unlikely that VTSAX will not be moving in a similar fashion anyway. But if VTSAX is holding steady while your strategy is waning, ...

TNWoods

Since you are young, and since technology (probably) isn't going away, consider doing this: Keep track of your investments into this strategy, and keep a parallel spreadsheet that tracks as if you were investing in a typical BH-favored index fund. As long as your strategy is doing better than, say, ...

TNWoods

I own several individual stocks, so I have no typical boglehead objection to that, but I wouldn't touch TSLA with a 10-foot pole. That P/E ratio is ridiculous, and they wouldn't be profitable if they only sold their product. They have to also sell hundreds of millions in tax credits to other car com...

TNWoods

Sir, this is a Wendy’s.

TNWoods

TNWoods

I have a friend who went the "health sharing ministry" route. He is overweight and diabetic. They charged him an extra premium because of his pre-existing diabetes. He had a heart attack. They refused to pay ANYTHING because the doctor said the heart attack was related to his diabetes. Whi...

TNWoods

While it is true that lump sum beats DCA 2 out of 3 times in backtesting, remember that backtesting is a broad, generalized observation of what happened in the past, and can't necessarily be applied to a specific instance now. We do know that when it has been better, it has only been a little bit be...

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