And guess what, he's a fee only financial advisor.
Search found 1861 matches
- Sun Mar 10, 2024 6:08 pm
- Forum: Personal Finance (Not Investing)
- Topic: Any Azul Wells fans here?
- Replies: 9
- Views: 1092
- Fri Feb 02, 2024 1:12 am
- Forum: Personal Investments
- Topic: William Bernstein latest book on investing
- Replies: 34
- Views: 5460
Re: William Bernstein New Book on asset allocation
No.
viewtopic.php?t=346520
If you had $1mil and were going to draw 4%, that would mean you would be at a 60/40, stock/bonds, portfolio. That would be a good portfolio for most retired people.
viewtopic.php?t=346520
If you had $1mil and were going to draw 4%, that would mean you would be at a 60/40, stock/bonds, portfolio. That would be a good portfolio for most retired people.
- Thu Feb 01, 2024 3:10 am
- Forum: Investing - Theory, News & General
- Topic: Echoes of Dot Com Bubble?
- Replies: 230
- Views: 23995
Re: Echoes of Dot Com Bubble?
2020-2021 felt more like the dot.com bubble than it does now. In 2000 everyone thought they were day traders with their new e-trade accounts and putting all their money into anything with .com at then end of their name. In 2020-2021 it was Robinhood and the meme stocks. It was crazy how similar it felt. 2022 shook most of those players out.
- Fri Jan 19, 2024 9:45 pm
- Forum: Personal Consumer Issues
- Topic: Treadmills
- Replies: 59
- Views: 5509
Re: Treadmills
We bought a Sole treadmill a year ago and love it. We got one of the simpler models that didn’t have the flatscreen monitor. I have a tv in the room and didn’t need it.
- Fri Jan 19, 2024 3:59 am
- Forum: Personal Consumer Issues
- Topic: Are car washes necessary?
- Replies: 116
- Views: 12618
Re: Are car washes necessary?
LOL. 100%.whodidntante wrote: ↑Thu Jan 18, 2024 5:39 pm If this forum has taught me anything, it's that I do not want a used car owned by a Boglehead.
Everyone knows washing your car gives it at least an extra 50 horsepower.
- Wed Jan 17, 2024 12:39 pm
- Forum: Investing - Theory, News & General
- Topic: Question about IRAs
- Replies: 8
- Views: 1087
Re: Question about IRAs
The letters. I.R.A.
- Sun Jan 14, 2024 12:01 am
- Forum: Personal Investments
- Topic: Is it possible to invest in TSLA in your Roth on Vanguard?
- Replies: 5
- Views: 1014
Re: Is it possible to invest in TSLA in your Roth on Vanguard?
Yes.
at least 5 more characters
at least 5 more characters
- Sat Jan 06, 2024 8:02 am
- Forum: Personal Investments
- Topic: Buying dividend stocks now vs.investing in dividend stocks later when you have accumulated with VOO VTI
- Replies: 28
- Views: 5240
Re: Buying dividend stocks now vs.investing in dividend stocks later when you have accumulated with VOO VTI
It doesn’t matter whether you have dividend stocks or a total market index. The 4% rule is the same.
Dividends aren’t giving you any extra money.
Dividends aren’t giving you any extra money.
- Thu Jan 04, 2024 11:45 pm
- Forum: Personal Investments
- Topic: 529 plan with Vanguard
- Replies: 9
- Views: 1165
Re: 529 plan with Vanguard
I live in Tn and I use the Vanguard 529 plan. It does make it easy having everything together.
- Mon Jan 01, 2024 4:53 pm
- Forum: Investing - Theory, News & General
- Topic: What was the investment climate like in the bull market 10 years ago?
- Replies: 55
- Views: 7265
Re: What was the investment climate like in the bull market 10 years ago?
All the pundits were saying the market was going to crash at any minute. It was just way overvalued.
- Tue Dec 12, 2023 4:30 am
- Forum: Personal Finance (Not Investing)
- Topic: How to determine the cost basis for stocks with no records?
- Replies: 23
- Views: 3174
Re: How to determine the cost basis for stocks with no records?
I did this on my taxes in 2022. No questions were asked. I guestimated the month and year of purchase and used an average price during that month.nassau34 wrote: ↑Tue Dec 12, 2023 12:54 am Has anyone actually gone through the process of making a good faith estimate of the cost basis and had it questioned by the IRS, or had it pass IRS scrutiny without any follow-up questions or audit? This is not an uncommon situation, and someone should have valuable insight to share.
- Tue Dec 12, 2023 3:45 am
- Forum: Personal Investments
- Topic: Dividend funds as a hedge against downturns
- Replies: 18
- Views: 2253
Re: Dividend funds as a hedge against downturns
Dividends are not a hedge for anything.
- Mon Nov 27, 2023 5:15 pm
- Forum: Investing - Theory, News & General
- Topic: Is it possible for a company/board/executives to theoretically Siphon money out of 401k plan funds?
- Replies: 22
- Views: 2973
- Sat Nov 25, 2023 10:39 am
- Forum: Personal Investments
- Topic: Help with Etf’s for dividends and growth
- Replies: 48
- Views: 4171
Re: Help with Etf’s for dividends and growth
Completely unnecessary.
Just use one total market index. Chasing dividends is a fools errand. You’re just paying yourself with your own money.
Just use one total market index. Chasing dividends is a fools errand. You’re just paying yourself with your own money.
- Tue Nov 21, 2023 10:51 pm
- Forum: Investing - Theory, News & General
- Topic: Balanced & target funds - whats the benefit?
- Replies: 25
- Views: 2971
Re: Balanced & target funds - whats the benefit?
Good points from everyone. I do see the benefit of automatic re-balancing but isn't the concept of balancing there for reducing risk from big drops in the stock market? I still don't see how a mixed fund is a better way to ride it out. Another example: Larry has $1M in a 50/50 stock & bond fund Curly has $500k in a stock fund that is identical to the stock holdings of Larry's 50/50 fund and $500k in a bond fund identical to the bond part of Larry's fund. Then the stock market drops 25% Larry's $1M fund may drop 10% so his income suffers until the market recovers. Curly's stock fund may drop 25% BUT he does not care because he now draws his income ONLY from the bond fund that may even increase. Why is Larry's approach better? The result...
- Fri Nov 17, 2023 12:52 pm
- Forum: Personal Investments
- Topic: Investments in 401k not doing well - advice?
- Replies: 23
- Views: 4049
Re: Investments in 401k not doing well - advice?
Just keep buying.
- Fri Nov 17, 2023 9:26 am
- Forum: Investing - Theory, News & General
- Topic: Fidelity introducing automatic ETF investing
- Replies: 158
- Views: 27396
Re: Fidelity introducing automatic ETF investing
So, they basically reinvented mutual funds. Lol.
- Sun Nov 12, 2023 8:50 am
- Forum: Personal Investments
- Topic: 401k fees; rollover before leaving job?
- Replies: 16
- Views: 1350
Re: 401k fees; rollover before leaving job?
Pretty standard fees for a 401k.
- Sat Nov 11, 2023 8:48 am
- Forum: Personal Finance (Not Investing)
- Topic: Getting paid after quitting. glitch in the system
- Replies: 70
- Views: 6489
Re: Getting paid after quitting. glitch in the system
Since you know it’s not your money, you are now stealing. The longer this goes on the worse your sentence will be. Get this taken care of ASAP.
- Fri Nov 10, 2023 3:07 pm
- Forum: Investing - Theory, News & General
- Topic: CNBC :: Why Jack Bogle’s strategy of ‘lazy’ investing is making a comeback.
- Replies: 27
- Views: 5218
- Mon Nov 06, 2023 5:58 am
- Forum: Personal Finance (Not Investing)
- Topic: Buying a 120k car... yes, I need your help
- Replies: 275
- Views: 33183
Re: Buying a 120k car... yes, I need your help
I agree. What he has saved vs his income is way off.Random Poster wrote: ↑Sun Nov 05, 2023 10:23 pm Since you asked….
You should triple your net worth before even considering buying a $120k car.
Based on your income, that shouldn’t take very long.
- Sun Nov 05, 2023 12:57 am
- Forum: Personal Consumer Issues
- Topic: Soundproof home gym in new house
- Replies: 74
- Views: 5952
Re: Soundproof home gym in new house
Lots of bumper plates and horse stall mats may do the trick.
- Thu Nov 02, 2023 7:10 pm
- Forum: Personal Consumer Issues
- Topic: Gym and Personal Trainer switch-a-roo issue
- Replies: 28
- Views: 4114
Re: Gym and Personal Trainer switch-a-roo issue
Got the book and a nice squat rack at home. I have been thinking of getting the app but so far have been using a good workbook I found on Amazon. Is the app really worth it?vnatale wrote: ↑Wed Oct 25, 2023 9:48 pm One thing this points to is doing it yourself. Not having to rely upon a trainer.
This is what I follow.
https://startingstrength.com/
Bought the book which is extremely detailed.
Bought the DVD which spends many minutes demonstrating each exercise using normal people.
Bought the app, which is tremendous.
The only "personal trainer" I will use is a friend to observe me and the demo videos to tell me if I am correctly doing the exercises.
- Wed Nov 01, 2023 10:03 pm
- Forum: Investing - Theory, News & General
- Topic: Confused why google says VTSAX....
- Replies: 8
- Views: 1684
Re: Confused why google says VTSAX....
Index funds are mutual funds
- Wed Nov 01, 2023 10:01 pm
- Forum: Personal Investments
- Topic: 4% 5 year returns
- Replies: 5
- Views: 1593
Re: 4% 5 year returns
Yeah, that happens
- Thu Oct 26, 2023 9:08 pm
- Forum: Personal Finance (Not Investing)
- Topic: Does your significant other know about Bogleheads?
- Replies: 97
- Views: 9959
Re: Does your significant other know about Bogleheads?
My wife just knows it as the investing forum I'm always on.
- Fri Oct 20, 2023 7:33 am
- Forum: Personal Consumer Issues
- Topic: Quality men's leather belt?
- Replies: 44
- Views: 3695
- Wed Oct 18, 2023 3:03 am
- Forum: Personal Investments
- Topic: State St S&P 500(R) Indx SL Cl I has no ticker in 401k plan
- Replies: 15
- Views: 1791
Re: State St S&P 500(R) Indx SL Cl I has no ticker in 401k plan
No worries at all.
- Sun Sep 24, 2023 5:28 pm
- Forum: Non-US Investing
- Topic: Avoiding tax on dividends while building passive income portfolio
- Replies: 8
- Views: 4246
Re: Avoiding tax on dividends while building passive income portfolio
Best thing to do would be to get rid of all those ETFs generating all those dividends. It's nothing but a tax drag for you.
- Sun Sep 24, 2023 5:25 pm
- Forum: Personal Consumer Issues
- Topic: My Elderly Parents Can't Resist Answering the Phone
- Replies: 127
- Views: 38948
Re: My Elderly Parents Can't Resist Answering the Phone
Get them new landline phones where you can turn the ringers off.
- Mon Sep 18, 2023 7:02 pm
- Forum: Investing - Theory, News & General
- Topic: Anyone take the CFP courses in the last 5 years for personal benefit?
- Replies: 16
- Views: 2684
Re: Anyone take the CFP courses in the last 5 years for personal benefit?
The CFP would be completely pointless for someone to take unless you were going to become a CFP and start managing clients. There really is no benefit to it for an individual investor. It's not going to increase your returns. Thats for sure.
- Sat Sep 02, 2023 7:44 am
- Forum: Investing - Theory, News & General
- Topic: There is a winner and loser for each stock trade?
- Replies: 62
- Views: 5061
Re: There is a winner and loser for each stock trade?
No. It isn’t true. I could sell a stock that doubled my money and I needed the money for something else. The other person just bought shares of a company that could easily keep doing really well.
- Thu Aug 31, 2023 3:13 pm
- Forum: Investing - Theory, News & General
- Topic: S&P 500 versus Total Stock Market index fund
- Replies: 83
- Views: 10275
Re: S&P 500 versus Total Stock Market index fund
I think you’re entirely missing the point of index investing if you’re worried about one ticker amongst 4000 others.
- Wed Aug 23, 2023 5:08 am
- Forum: Personal Investments
- Topic: Feeling like the Total Index approach wasn’t the best path
- Replies: 225
- Views: 31680
Re: Feeling like the Total Index approach wasn’t the best path
But it’s so obviousstudent wrote: ↑Tue Aug 22, 2023 10:37 pm I am not smart enough to pick stocks and I do not have the guts to bet big. Imagine you invested in Groupon thinking that even Google wanted to buy it. https://www.chicagotribune.com/business ... story.html
- Wed Aug 23, 2023 3:26 am
- Forum: Personal Investments
- Topic: Feeling like the Total Index approach wasn’t the best path
- Replies: 225
- Views: 31680
Re: Feeling like the Total Index approach wasn’t the best path
I feel this thread where the OP was asking why Boglehead's didn't like funds like ARKK that "crushed" index funds. He never came back after ARKK tanked about 80%.
viewtopic.php?t=339971
viewtopic.php?t=339971
- Mon Aug 21, 2023 6:59 pm
- Forum: Investing - Theory, News & General
- Topic: Wall Street Set for New ETF That offers 100% protection- good or too good to be true ?
- Replies: 49
- Views: 6542
- Thu Aug 17, 2023 11:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: Northwestern Mutual
- Replies: 40
- Views: 5480
Re: Northwestern Mutual
Northwestern Mutual is an insurance company that does insurance sales. They do not have advisors. I don't care what they call them.
- Fri Aug 11, 2023 5:49 pm
- Forum: Personal Consumer Issues
- Topic: Don't pay full price for SiriusXM radio
- Replies: 649
- Views: 112415
Re: Don't pay full price for SiriusXM radio
I just got a deal in the mail and took advantage of it. 3 years for $3 per month. LOL.
- Thu Aug 10, 2023 11:21 am
- Forum: Personal Finance (Not Investing)
- Topic: Who is correct ? [Can my cousin retire early?]
- Replies: 141
- Views: 13061
Re: Who is correct ? [Can my cousin retire early?]
I’d retire with that and not give it a second thought.
- Fri Jul 28, 2023 8:15 am
- Forum: Personal Finance (Not Investing)
- Topic: Tesla suppressed driving range complaints
- Replies: 174
- Views: 14803
Re: Tesla suppressed driving range complaints
How much does does it cost to charge your ev at home compared to a tank of gas in your ice? Who cares. Your sleeping. You shouldn't care about the financial cost because you are sleeping :confused Should you also not care about the time (or :moneybag ) it may take to charge an EV publicly because you could be napping in the car (or getting a meal or walking or...)? This is a reasonable concern for people deciding what type of car to buy. Lol. I read the question as “how long does it take”. Not sure how I did that. My brother owns a model 3 and he told me he figured it costs about $5-$10 per “tank”. He figured this using off peak pricing. He also said he charges a lot at work so he hasn’t seen a difference in his electric bill.
- Fri Jul 28, 2023 8:01 am
- Forum: Personal Finance (Not Investing)
- Topic: Tesla suppressed driving range complaints
- Replies: 174
- Views: 14803
- Thu Jul 27, 2023 8:27 am
- Forum: Personal Finance (Not Investing)
- Topic: Tesla suppressed driving range complaints
- Replies: 174
- Views: 14803
- Wed Jul 26, 2023 1:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: I have a good credit score, should I still take out a loan to diversify the factors that going into my credit score?
- Replies: 9
- Views: 966
Re: I have a good credit score, should I still take out a loan to diversify the factors that going into my credit score?
There really is no point. It’s not like your going to gain anything once your above 800.
- Tue Jul 25, 2023 6:55 pm
- Forum: Investing - Theory, News & General
- Topic: JNJ spin off KVUE [Johnson and Johnson spinoff - Kenvue]
- Replies: 91
- Views: 18376
Re: JNJ spin off KVUE
I don't want any of the KVUE stock.
- Mon Jul 24, 2023 7:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do you keep your credit account "frozen" at the Big 3? (Equifax, Experian, TransUnion)
- Replies: 77
- Views: 5724
Re: Do you keep your credit account "frozen" at the Big 3? (Equifax, Experian, TransUnion)
Experian and Transunion both have apps that takes you second to log into and just toggle a swith freeze or unfreeze your credit. Pretty simple. Equifax does not appear to have an app. So you have to go to them via internet still.
- Mon Jul 24, 2023 7:34 pm
- Forum: Investing - Theory, News & General
- Topic: JNJ spin off KVUE [Johnson and Johnson spinoff - Kenvue]
- Replies: 91
- Views: 18376
Re: JNJ spin off KVUE
I like this even better.
- Mon Jul 24, 2023 5:29 pm
- Forum: Personal Consumer Issues
- Topic: Home Gym Flooring
- Replies: 11
- Views: 1182
- Mon Jul 24, 2023 11:40 am
- Forum: Personal Consumer Issues
- Topic: Home Gym Flooring
- Replies: 11
- Views: 1182
Re: Home Gym Flooring
Remove the carpet and get some horse stall mats from Tractor Supply.
- Mon Jul 24, 2023 11:35 am
- Forum: Personal Investments
- Topic: Passive Income
- Replies: 69
- Views: 6601
Re: Passive Income
Rental real estate is not passive. Depending on how many units you have it can turn into a full time job.
- Sun Jul 23, 2023 7:15 pm
- Forum: Investing - Theory, News & General
- Topic: Outperforming in "Play" account
- Replies: 29
- Views: 2604
Re: Outperforming in "Play" account
Give us an update in 20 years.