Search found 1347 matches

by Brianmcg321
Sat Apr 17, 2021 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Protective Coating on New Subaru?
Replies: 13
Views: 820

Re: Protective Coating on New Subaru?

Complete waste of money. Don't do it.
by Brianmcg321
Thu Apr 15, 2021 7:53 pm
Forum: Personal Investments
Topic: 529 vs. Prepaid Tuition
Replies: 4
Views: 704

Re: 529 vs. Prepaid Tuition

You have a lot more flexibility with a 529. Also, the return you get on the pre-paid is just the inflation rate.
Not a good deal to me.
by Brianmcg321
Thu Apr 15, 2021 5:38 pm
Forum: Investing - Theory, News & General
Topic: Sequence of Returns Risk Scenario
Replies: 39
Views: 2610

Re: Sequence of Returns Risk Scenario

What if the day before you retire the market drops 30% and you no longer have 25X expenses. Will you still retire or just work another year or two until you get your money back?
by Brianmcg321
Thu Apr 15, 2021 3:09 pm
Forum: Investing - Theory, News & General
Topic: VWUSX (US Growth) or VIGAX (Growth Index Fund)?
Replies: 17
Views: 2683

Re: VWUSX (US Growth) or VIGAX (Growth Index Fund)?

What tool do you use to generate this kind of chart? I had the same question as OP because over last 10 years VWUSX has had average return of 11% which is much lower than VIGAX, but obviously that doesn't tell the whole story. The chart was super helpful in clearing things up, but I want to know ho...
by Brianmcg321
Thu Apr 15, 2021 6:50 am
Forum: Personal Investments
Topic: Where to invest 6k in Roth?
Replies: 37
Views: 3028

Re: Where to invest 6k in Roth?

All - I have contributed 6k to traditional IRA ( non deductible) for 2020 and in the process of converting to ROTH IRA ( back door strategy) Can you please advice whether I should invest this 6k in index fund like VTSAX or buy some good growth stocks ( any suggestions?) My horizon is long term and ...
by Brianmcg321
Wed Apr 14, 2021 3:27 pm
Forum: Personal Consumer Issues
Topic: Lawn care question
Replies: 38
Views: 2655

Re: Lawn care question

I’ve always had good results with Scott’s Weed and feed.

Spread some of that. Aeriate the lawn and you’ll be amazed at how well it responds.
by Brianmcg321
Sat Apr 10, 2021 3:05 pm
Forum: Investing - Theory, News & General
Topic: My Vanguard account blocked or site down?
Replies: 21
Views: 1667

Re: My Vanguard account blocked or site down?

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.
by Brianmcg321
Fri Apr 09, 2021 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help with making large mortgage principal payment
Replies: 9
Views: 785

Re: Help with making large mortgage principal payment

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.
by Brianmcg321
Fri Apr 09, 2021 2:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14633
Views: 1123809

Re: U.S. stocks continue to soar!

Buy, buy, buy.
by Brianmcg321
Fri Apr 09, 2021 2:34 pm
Forum: Investing - Theory, News & General
Topic: Beat the market by only holding after hours
Replies: 56
Views: 3337

Re: Beat the market by only holding after hours

So, buy and hold then. Jack was right.
by Brianmcg321
Fri Apr 09, 2021 2:32 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5964

Re: Simplicity over Small Cap Value

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. :oops:

Just go 100% VTSAX and get your savings rate has high as possible.
by Brianmcg321
Tue Apr 06, 2021 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Staying at a company after giving notice? (counter-offer)
Replies: 58
Views: 5838

Re: Staying at a company after giving notice? (counter-offer)

I would counter the counter offer for $91k.

You already got something lined up so it doesn't hurt to ask.
by Brianmcg321
Tue Apr 06, 2021 8:42 pm
Forum: Personal Investments
Topic: How should I invest cash just sitting in the bank?
Replies: 27
Views: 4083

Re: How should I invest cash just sitting in the bank?

Keep $50k in the bank.
Put the rest in a taxable brokerage. VTSAX and chill.
by Brianmcg321
Sun Apr 04, 2021 6:44 am
Forum: Personal Consumer Issues
Topic: Uber ride — how to be sure windows will open?
Replies: 17
Views: 1939

Re: Uber ride — how to be sure windows will open?

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...
by Brianmcg321
Sat Apr 03, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: Would you give money to close friends to live in same neighborhood?
Replies: 45
Views: 2946

Re: Would you give money to close friends to live in same neighborhood?

If you want someone to stop being a friend, give them money. It will change the relationship drastically.
by Brianmcg321
Fri Apr 02, 2021 7:10 pm
Forum: Forum Issues and Administration
Topic: Posting asset allocation in signature
Replies: 8
Views: 1074

Re: Posting asset allocation in signature

Im a quote man myself.
by Brianmcg321
Fri Apr 02, 2021 4:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14633
Views: 1123809

Re: U.S. stocks continue to soar!

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.
by Brianmcg321
Fri Apr 02, 2021 12:14 pm
Forum: Personal Consumer Issues
Topic: Question - Raised Garden Bed next to the house
Replies: 7
Views: 592

Re: Question - Raised Garden Bed next to the house

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...
by Brianmcg321
Wed Mar 31, 2021 4:06 pm
Forum: Investing - Theory, News & General
Topic: CFP historic returns
Replies: 37
Views: 2118

Re: CFP historic returns

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 ...
by Brianmcg321
Wed Mar 31, 2021 3:54 pm
Forum: Personal Investments
Topic: 401k Mutual Fund Expense Ratio vs. Performance Question
Replies: 15
Views: 943

Re: 401k Mutual Fund Expense Ratio vs. Performance Question

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.
by Brianmcg321
Wed Mar 31, 2021 3:34 pm
Forum: Investing - Theory, News & General
Topic: CFP historic returns
Replies: 37
Views: 2118

Re: CFP historic returns

Its [expletive removed by admin LadyGeek] . 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 Plan...
by Brianmcg321
Wed Mar 31, 2021 3:33 pm
Forum: Investing - Theory, News & General
Topic: CFP historic returns
Replies: 37
Views: 2118

Re: CFP historic returns

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.
by Brianmcg321
Wed Mar 31, 2021 3:22 pm
Forum: Investing - Theory, News & General
Topic: CFP historic returns
Replies: 37
Views: 2118

Re: CFP historic returns

Its [expletive removed by admin LadyGeek]. 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.
by Brianmcg321
Wed Mar 31, 2021 9:09 am
Forum: Personal Investments
Topic: Employer 401K Losing Out of Matched Money
Replies: 39
Views: 2445

Re: Employer 401K Screwing Me Out of Matched Money

Lesson learned. Don’t do that next year.
by Brianmcg321
Mon Mar 29, 2021 2:34 pm
Forum: Investing - Theory, News & General
Topic: Yahoo's pick for best VG Mutual Funds - what do you think?
Replies: 11
Views: 1446

Re: Yahoo's pick for best VG Mutual Funds - what do you think?

There’s a reason people only use yahoo for final four brackets.
by Brianmcg321
Mon Mar 29, 2021 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Payoff New Mortgage Aggressively or Invest?
Replies: 37
Views: 3732

Re: Payoff New Mortgage Aggressively or Invest?

Given your age, I would invest.
by Brianmcg321
Sun Mar 28, 2021 3:35 pm
Forum: Personal Investments
Topic: Asset allocation 3 fund
Replies: 7
Views: 685

Re: Asset allocation 3 fund

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.
by Brianmcg321
Sun Mar 28, 2021 10:09 am
Forum: Personal Investments
Topic: The safest way to 7%?
Replies: 88
Views: 8350

Re: The safest way to 7%?

25% total stock market
25% long term treasuries
25% gold
25% cash
by Brianmcg321
Sat Mar 27, 2021 2:19 pm
Forum: Personal Consumer Issues
Topic: Car in Hawaii For One Year
Replies: 35
Views: 2270

Re: Car in Hawaii For One Year

ncbill wrote: Sat Mar 27, 2021 1:24 pm Just ask Higgins if you can borrow the Ferrari...
Lol. Now that was funny.
by Brianmcg321
Fri Mar 26, 2021 12:05 pm
Forum: Investing - Theory, News & General
Topic: "--Jack Bogle chose to make others richer"
Replies: 25
Views: 2951

Re: "--Jack Bogle chose to make others richer"

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.
by Brianmcg321
Thu Mar 25, 2021 2:48 pm
Forum: Personal Investments
Topic: If I can be in equities when I’m in my 20s and 30s why shouldn’t I hold all equities until the day I die?
Replies: 72
Views: 6569

Re: If I can be in equities when I’m in my 20s and 30s why shouldn’t I hold all equities until the day I die?

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.
by Brianmcg321
Thu Mar 25, 2021 2:47 pm
Forum: Personal Investments
Topic: Why not one index fund instead of three?
Replies: 20
Views: 3169

Re: Why not one index fund instead of three?

Ability to adjust your own asset allocation. A TDF may not be to your liking.
by Brianmcg321
Mon Mar 22, 2021 3:42 pm
Forum: Investing - Theory, News & General
Topic: Why can't we have another 20 years of bull market?
Replies: 224
Views: 17973

Re: Why can't we have another 20 years of bull market?

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.
by Brianmcg321
Mon Mar 22, 2021 3:14 pm
Forum: Investing - Theory, News & General
Topic: Why can't we have another 20 years of bull market?
Replies: 224
Views: 17973

Re: Why can't we have another 20 years of bull market?

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.
by Brianmcg321
Sun Mar 21, 2021 8:53 pm
Forum: Personal Investments
Topic: 529 allocation
Replies: 26
Views: 1911

Re: 529 allocation

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...
by Brianmcg321
Sun Mar 21, 2021 7:35 pm
Forum: Personal Investments
Topic: 529 allocation
Replies: 26
Views: 1911

Re: 529 allocation

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:
by Brianmcg321
Sat Mar 20, 2021 9:28 pm
Forum: Forum Issues and Administration
Topic: FIRE sub forum
Replies: 37
Views: 3254

Re: FIRE sub forum

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...
by Brianmcg321
Fri Mar 19, 2021 10:00 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 257
Views: 290585

Re: [Why did my fund suddenly drop in value?]

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?"
by Brianmcg321
Fri Mar 19, 2021 8:06 pm
Forum: Investing - Theory, News & General
Topic: The Modern 60/40 portfolio: BTC/VTI
Replies: 74
Views: 3870

Re: The Modern 60/40 portfolio: BTC/VTI

Why not
60% TSLA / 40% BTC
by Brianmcg321
Thu Mar 18, 2021 2:51 pm
Forum: Personal Investments
Topic: Struggling to sell individual company stock
Replies: 28
Views: 2786

Re: Struggling to sell individual company stock

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?
by Brianmcg321
Wed Mar 17, 2021 9:18 pm
Forum: Personal Investments
Topic: Ray Dalio, Bonds, and Gold
Replies: 29
Views: 2006

Re: Ray Dalio, Bonds, and Gold

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.
by Brianmcg321
Wed Mar 17, 2021 9:15 pm
Forum: Personal Investments
Topic: TDF
Replies: 22
Views: 1467

Re: TDF

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,...
by Brianmcg321
Tue Mar 16, 2021 10:06 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1273
Views: 143282

Re: Jack Bogle - Two Fund Portfolio

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...
by Brianmcg321
Tue Mar 16, 2021 9:08 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1273
Views: 143282

Re: Jack Bogle - Two Fund Portfolio

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. ...
by Brianmcg321
Mon Mar 15, 2021 10:51 am
Forum: Personal Investments
Topic: What to do with $42k bonus?
Replies: 36
Views: 4466

Re: What to do with $42k bonus?

Get rid of the student loans.
by Brianmcg321
Sat Mar 13, 2021 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Is 7K mortgage a month too much for 13K (combined) post tax monthly income?
Replies: 101
Views: 8849

Re: Is 7K mortgage a month too much for 13K (combined) post tax monthly income?

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.
by Brianmcg321
Thu Mar 11, 2021 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit a check without endorsing it in the back?
Replies: 31
Views: 3737

Re: How to deposit a check without endorsing it in the back?

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

I always put “For Deposit Only”
by Brianmcg321
Thu Mar 11, 2021 6:43 pm
Forum: Personal Investments
Topic: I'm a newbie, follow BH investing, but feel left out during stock conversations
Replies: 50
Views: 4556

Re: I'm a newbie, follow BH investing, but feel left out during stock conversations

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...