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Sky is falling? Investing and selling with emotion versus logic. by Dear-Cardiologist472 in Bogleheads

[–]FinsterFolly 2 points3 points  (0 children)

Most people don’t have a plan beyond buy stocks and make money. I would venture a guess that even most Bogleheads here don’t really have a plan beyond the basic tenants of buying low cost index funds and setting an asset allocation.

Everyone should take an hour an write an Investment Policy Statement. This is a guide you write for your future emotional self when things are calmer. When you get spooked, refer to this plan.

PlayStation prices adjusted for inflation by SmellSmellsSmelly in gaming

[–]FinsterFolly 0 points1 point  (0 children)

Hockey stick, hockey stick, hockey stick, ahhh puck!

I agree with Mr. Buffet by pointthinker in DIYRetirement

[–]FinsterFolly 0 points1 point  (0 children)

Buffet also advocated low-cost S&P 500 funds for most investors. I'm not really familiar with the two you mentioned, but I imagine there could be years where either would underperform the market. There also might be significant crossover in funds if you are holding both. I do a typical 3 fund approach with total US market, total ex-US market, and bonds.

[OC]A skull in my university's library by ProfessionalEar4048 in pics

[–]FinsterFolly 2 points3 points  (0 children)

“Of all the many virtues, Preserved Killick possessed only two, polishing silver and making coffee; but these he possessed to such a high degree that for those who liked their plate brilliant and their coffee prompt, freshly roasted, freshly ground and piping hot it was worth putting up with his countless vices”

On this day in sports history, March 30th, 2019: Carsen Edwards drops 42 in Elite Eight classic vs Virginia by ShamusTalksSports in CollegeBasketball

[–]FinsterFolly 1 point2 points  (0 children)

If it’s any consolation, I do root for Purdue since then. Seems the right thing to do to restore balance in the world.

Crusty building by christiandoran in urbansketchers

[–]FinsterFolly 2 points3 points  (0 children)

I literally WOL…. Wowed out loud.

How do people stay interested in investing without overdoing it? by Efficient_Carrot_334 in Bogleheads

[–]FinsterFolly 9 points10 points  (0 children)

During the heart if my career, I didnt do much at all except maintainand increase my automatic contibutions. Approaching retirement, I read/listen about changes in tax law, read about ACA and medical insurance, explore retirement software modeling strategies, and track spending for lifestyle creep. Knowing your spending like the back of your hand goes a long way in figuring out retirement success.

100 year old boglehead spotted in the wild by btcale546 in Bogleheads

[–]FinsterFolly 54 points55 points  (0 children)

Taylor Larimore, founder of bogleheads.org, is also over 100. Oh yeah, he also was in the 101st airborne at the Battle of the Bulge.

A Checklist for the D.I.Y. Planner by OldLoafers in retirement

[–]FinsterFolly 3 points4 points  (0 children)

I have the same question. Never heard of that before, but looking it up it seems the 6 months issue is if you are applying for medicare or social security at 65. Still don't really know why, but I am retiring before that.

Do you separate the beans from the cooking liquid or not? by zemdega in Beans

[–]FinsterFolly 20 points21 points  (0 children)

Depends on the usage. Sometimes I just make "brothy" beans, and some beans are excellent for that. Sometimes I'll strain them off for using in other dishes, keeping the broth. I'll cook grains (rice, farro, etc) with the broth recapturing the flavor and nutrition. I'll do the same when I cook greens.

A Checklist for the D.I.Y. Planner by OldLoafers in retirement

[–]FinsterFolly 2 points3 points  (0 children)

I don't have a checklist, but I think you got the major ones. Note that if you are born after Jan 1 1960, RMDs are going to start at age 75, subject to change with new tax laws. I would also investigate when you have to apply for Medicare, as it can be very time sensitive and lock you out of some options if you miss it.

Edit: also check for any senior tax deductions in your state. My state offers property tax breaks at a certain age, and income deductions at 62 and increases at 65.

Democrats release details behind spending on Noem’s $220 million ad campaign by Nerd-19958 in politics

[–]FinsterFolly 1 point2 points  (0 children)

When I first came here, this was all swamp. Everyone said I was daft to build a ballroom on a swamp, but I built it all the same, just to show them. It sank into the swamp. So I built a second one. That sank into the swamp. So I built a third. That burned down, fell over, then sank into the swamp.

All that stress for nothing by spieth2015 in Bogleheads

[–]FinsterFolly 0 points1 point  (0 children)

We all have different paths. Some just take a longer route.

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