Bogleheads.org

Brianmcg321

I have had no issues what so ever either using the app or the website this past week. I have logged in to both multiple times and also today.

Brianmcg321

The bank that has my mortgage has online payment options. A couple of clicks would do it for me. Check and see if yours does.

Brianmcg321

Buy, buy, buy.

Brianmcg321

So, buy and hold then. Jack was right.

Brianmcg321

Your savings rate is going to have a much larger impact on your account value than whether you tilted to one sector or not. Also you have to be right on the tilt. You could in fact be wrong.

Just go 100% VTSAX and get your savings rate has high as possible.

Brianmcg321

Barf

Brianmcg321

I would counter the counter offer for $91k.

You already got something lined up so it doesn't hurt to ask.

Brianmcg321

Keep $50k in the bank.
Put the rest in a taxable brokerage. VTSAX and chill.

Brianmcg321

I recently ordered an Uber only to learn that the backseat windows did not open. I think they were not designed to open, it wasn’t that they were not working. I cannot think of a normal 4-door car with no window controls but possible I guess. Just contact the driver from the app once they accept th...

Brianmcg321

If you want someone to stop being a friend, give them money. It will change the relationship drastically.

Brianmcg321

Im a quote man myself.

Brianmcg321

Keenobserver wrote: ↑Fri Apr 02, 2021 4:14 pm Do I smell a soaring Monday due to lower unemployment or red bears due to fear of rate hikes secondary to accelerated recovery?

I sure hope so. I hate holidays like today. I was ready to start counting some money.

Brianmcg321

Leave enough room so you can get a mower between the bed and you house. If not, you will be pulling weeds by hand or having to get a weed wackier in between there. You also want to make sure you have enough room to walk on both sides to access your plants. That’s a pretty wide bed, and you will have...

Brianmcg321

I don't know many successful financial advisors sending out unsolicited/untargeted postcards, though. Exactly. If they had these kinds of returns over the past ten years. Their clients accounts would be so large that they should close off their services to new accounts, a la Ray Dalio. If they had ...

Brianmcg321

You will have to go back in time and then invest this time last year to get that 36% return over the index.

Returns are unknown going forward. And I can 99.99% guarantee you that you will not get an 89% return on that fund this year.

Brianmcg321

Its BS. Anyone can make up something and put in on a post card. These guys should be competing with Warren Buffett for richest in the world. Why waste their time giving financial advice. Really? Wouldn't that be illegal or something for a Certified Financial Planner (CFP)? Considering that they are...

Brianmcg321

ObliviousInvestor wrote: ↑Wed Mar 31, 2021 3:25 pm Anybody advertising returns is a huge red flag IMO.

Not knowing how to spell the word disclaimer doesn't help either.

LOL. I didn't catch that. How pathetic.

Maybe the are CFPs to Nigerian Princes.

Brianmcg321

Its BS. Anyone can make up something and put in on a post card.

These guys should be competing with Warren Buffett for richest in the world. Why waste their time giving financial advice.

Brianmcg321

Lesson learned. Don’t do that next year.

Brianmcg321

There’s a reason people only use yahoo for final four brackets.

Brianmcg321

Given your age, I would invest.

Brianmcg321

If you got 1 billion in your portfolio, then 10% in bonds is sufficient.

Me personally, I’m 100% equities at 48. I’ll worry about bonds when I’m closer to retirement.

Brianmcg321

25% total stock market
25% long term treasuries
25% gold
25% cash

Brianmcg321

ncbill wrote: ↑Sat Mar 27, 2021 1:24 pm Just ask Higgins if you can borrow the Ferrari...

Lol. Now that was funny.

Brianmcg321

Jack once said in an interview that if he had never told anyone that his fund was an index fund, he could have been one of the richest people in the world. Everyone would have clamored to invest their money with him as he would have such a great record always being one of the top producing managers.

Brianmcg321

It’s called sequence of returns risk.

There’s a big difference in a portfolio you are adding to than the one you’re spending.

Brianmcg321

Ability to adjust your own asset allocation. A TDF may not be to your liking.

Brianmcg321

I just want one more year of a 50% return like I got last year. I don't think that's too much to ask. Would asking that it not be (immediately) followed by a drastic correction be overstepping? :D Nope not at all. I would be fine with a 20% return the next year. Then I would pull the plug.

Brianmcg321

I just want one more year of a 50% return like I got last year. I don't think that's too much to ask.

Brianmcg321

This is why I don't like those age based designations. They are way to conservative and you end up getting surprised at their aggressive glide path. You may have missed out on a ton of growth the past two years. :oops: The whole idea is to accumulate the majority if not all of the collegiate fundin...

Brianmcg321

This is why I don't like those age based designations. They are way to conservative and you end up getting surprised at their aggressive glide path. You may have missed out on a ton of growth the past two years.

Brianmcg321

Have you looked at this forum? https://www.early-retirement.org/forums/ Worst FIRE forum on the internet by a long shot IMO; I found the average user there even more obnoxious/arrogant than Reddit users and that's saying something. What is the second worst? Mr. Money Mustache forum. Politics allowe...

Brianmcg321

oldzey wrote: ↑Fri Mar 19, 2021 9:53 pm Well, it's that time again:

Vanguard 2021 Schedule of dividend distributions

Vanguard 2021 Dividend schedule (PDF)

Yep. Time for everyone to completely ignore this thread and post "Why did xxxx fund drop in value? I thought the market was up today?"

Brianmcg321

Why not
60% TSLA / 40% BTC

Brianmcg321

What are you willing to lose by not hitting your target and not having the money invested in VTSAX. How much does VTSAX have to go up and your individual stock to go down for you to finally cut you losses?

Brianmcg321

The more Ray Dalio talks the more I think he's just a big goofball. I can't imagine ever letting him invest my money. His hedge fund isn't all that great. What he is good at is getting people to give him their money and charging out the wazoo.

Brianmcg321

I hate target date funds. In my opinion, people in their 20s need to be 100% equities, except for their emergency fund. Then in 40 years they can determine what their AA needs to be in retirement. I think TDFs are way too conservative just when the power of compounding is starting to work its magic,...

Brianmcg321

Hopefully most newcomers on this forum can look past the strategies that promote putting all their equities in US total market funds. Hopefully they take the time to learn the value of diversification, which can easily be achieved through addition of international stocks or small cap stocks (or bot...

Brianmcg321

Bogleheads - It has been a while since I read some of the thoughts and blogs on JL Collins website. There are some new thoughts that I thought would interest you: https://jlcollinsnh.com/ Keep investing simple. Total Stock Market does just that. Best. Tony Great stuff. JL hadn't posted in a while. ...

Brianmcg321

Get rid of the student loans.

Brianmcg321

Way to much if that was all you had.

Why not put a larger down payment on the house since you have 1.4 mil in investments?

I would put enough in the house to get the payment in the 25-30% of take home pay.

Brianmcg321

I haven’t signed the back of a check in over 20 years.

I always put “For Deposit Only”

Brianmcg321

lump sum.

Time in the market is more important than timing the market.

Brianmcg321

I don't invest in any individual stocks. I do keep up with the market. And find individual stocks interesting, i.e. the gamestop stuff, and TSLA, from this past year. I participate by knowing what's going on. When someone asks what I'm invested in, I tell them I don't invest in individual stocks. Th...

Brianmcg321

It depends on what the goal for your money is. If its for retirement and you're not going to touch it for 40 more years, then put it into a Roth IRA. If its money you may need in 10 years, put it in a taxable account. But you may need to do some more learning in the meantime before you decide. Don't...

Brianmcg321

...Today at Bogleheads, I learned that artisans making furniture and interior furnishings are not traditionally considered carpenters. Oh well, "Peaceful Plumber" sounds better anyway. :wink: The only carpenter I ever knew who worked inside was one who installed the trim and closet shelve...

Brianmcg321

He's 33, managed to save about $450,000 in Roth accounts (both a Roth 401k and a Roth IRA) in total... Is this even possible? Possible, if he and his employer contributed the maximum for the last 9 years, or maybe he has been contributing for much longer than that. I think it would be very unusual....

Brianmcg321

Run away. Whole life is pure garbage. Nobody benefits from whole life.

Brianmcg321

Get fresh beans. Italian or espresso roast.

Grind fine in a burr grinder.

Use a pour over funnel.

Will be WAY better than any coffee shop. See Alton Brown videos on YouTube for details.

If you want frothy milk on top just whip up some creamer in a ninja.

Brianmcg321

Give the mailman a break. He’s probably walking as fast as he can.

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