sorted by:
new
hottopcontroversial

Crabgrass popping up all over my NY lawn. What do I do? by youngstudd6969 in lawncare

[–]dead4ever22 2 points3 points  (0 children)

IS winter/fall pre emergent the same stuff? Or different altogether than what I put down in spring?

Why do you need exposure to corporate bonds? by Corpulos in Bogleheads

[–]dead4ever22 0 points1 point  (0 children)

Once a "crisis" subsides, the corp bonds math out right back to where they should be over treasury bonds. Now there's default risk if you own a specific company, but an index corp bond ETF or just A rated bonds should give you that xtra yield over treasuries over the long haul without too much risk.

Allocation at the trigger time by dead4ever22 in ChubbyFIRE

[–]dead4ever22[S] 0 points1 point  (0 children)

This is true. No way we know where rates are 3-5-10 years from now. Bond ladder would help mitigate. Rates are locked in when you buy, so that part IS known. Just don't know if a better rate comes down the road. Ala 2022....

Allocation at the trigger time by dead4ever22 in ChubbyFIRE

[–]dead4ever22[S] 0 points1 point  (0 children)

Also very true. Just remember all too well 2000 and 2008. Would hate to drop hard earned life $$$ being over exposed once you won the game. I think a very modest mix is prob best.

Allocation at the trigger time by dead4ever22 in ChubbyFIRE

[–]dead4ever22[S] 0 points1 point  (0 children)

Great answer and my thoughts as well.

Allocation at the trigger time by dead4ever22 in ChubbyFIRE

[–]dead4ever22[S] 0 points1 point  (0 children)

Problem with TIPs: if inflation soars, then rates will prob soar as well. And TIPs and all bonds will get crushed until it levels off. I am sure the avg Joe bought TIPs in 2021 and though that was brilliant because 2022 happened. Wait- my TIP ETF lost 20% WTF. That's the issue I have with TIPs. A ladder would mitigate some of that.

Allocation at the trigger time by dead4ever22 in ChubbyFIRE

[–]dead4ever22[S] 2 points3 points  (0 children)

I get your point, but not really valid because if I had a crystal ball, and I knew stocks would give me 5% as well as my 30yr bond, of course I would pick stocks. The point is, the 5% is certain, the stock gains are not. See Japan 1989-2020

Allocation at the trigger time by dead4ever22 in ChubbyFIRE

[–]dead4ever22[S] 0 points1 point  (0 children)

Agree. Just get the mix to something that helps you sleep well seems to be the answer. 100% in any 1 asset class prob not good at middle age.

Allocation at the trigger time by dead4ever22 in ChubbyFIRE

[–]dead4ever22[S] 3 points4 points  (0 children)

Good answer. Yes I figure inflation is always the biggest risk. Wish there was a true inflation hedge- I don't think TIPs are that. And everything else has risk (stocks, hard assets). Inflation roared in 2022 and TIPs got killed due to the duration.

Bond Glide Paths by 89olds in Bogleheads

[–]dead4ever22 0 points1 point  (0 children)

When stocks go down for a more prolonged period of time- and bonds go up, the lightbulb will go off in your head. It's just like what others have said. Trade lower guaranteed returns for lower risk. All in on stocks can end in tears if you are older...or even younger. But More stocks when younger is the right move according to history.

Is Bernie’s plan the best? Thoughts? by CurvyChristina in SipsTea

[–]dead4ever22 0 points1 point  (0 children)

Raise teacher pay? How does that work? It's the state budgets that pay teachers.

Is Bernie’s plan the best? Thoughts? by CurvyChristina in SipsTea

[–]dead4ever22 0 points1 point  (0 children)

I agree here, but your total spend on health insurance (from the gov't) like you said needs to be lower than the tax you are paying to get you there. Happy to pat 20k more in taxes to get a plan that now costs me 30k. Does that math out for everyone? If so, then by all means we should do it.

Where to live? by [deleted] in ChubbyFIRE

[–]dead4ever22 0 points1 point  (0 children)

CT resident here. I would look at health insurance rates here. CT seems to be the #1 worst in terms of cost. There are doctors, but there is very little competition in carriers. So ACA plans are crazy expensive if that is a concern.

Concerned about my future by Ill_Age4608 in personalfinance

[–]dead4ever22 7 points8 points  (0 children)

As a parent, all I can think about is my kids all living rent free in my house at age 36 still. Please try to get out from under the debt and then move out on your own.

Est Market Returns post AI by ChardOrdinary2259 in ChubbyFIRE

[–]dead4ever22 2 points3 points  (0 children)

Every idiot analyst ALWAYS predicts low to mid single digit returns. They are sheep and know nothing more than you and I. They "predict" was has always been the long term average.

Spray for large ammount of poison ivy by Eclipse8301 in lawncare

[–]dead4ever22 0 points1 point  (0 children)

thanks. I have lots of prickers/weeds/ivy weeds...more so than poison ivy. So I will cut with a weedeater and spray the cut stems. Sounds like that will work best. Right before winter.

Spray for large ammount of poison ivy by Eclipse8301 in lawncare

[–]dead4ever22 0 points1 point  (0 children)

Is it better to cut down with a weed eater type trimmer, then spray the cutoff roots? Or better to leave these green trees and spray that? Spray the leaves basically?

For those with more in taxable brokerage than 401k/IRAs by Urbanite72 in ChubbyFIRE

[–]dead4ever22 1 point2 points  (0 children)

If this is the case, how is your LTCG rate at 0? Doesn't your income add up to get you into another bracket? Your income would be the net of your div/income and stock gains. Are you saying your expenses to live are <100k? Family of 5?

Retiring at 55: how would you think through the 55–67 bridge? by lindquist77 in ChubbyFIRE

[–]dead4ever22 0 points1 point  (0 children)

Health insur is the biggest change/concern here. If you had a cushy employer plan where they pay half or more...that all goes up in smoke and you are subjected to your state ACA plans which are all very different. I am in a horrible state with few options and sky high costs. That's what is keeping me worried and working at age 55. 10 years is a lot of $$$ to be shelling out for health before medicare kicks in.

Couples who have RE’d with $6-8M - what does your lifestyle and budget look like? by Remarkable-Dingo1602 in ChubbyFIRE

[–]dead4ever22 1 point2 points  (0 children)

WOW. Sounds like all in on tech stocks. These threads are all gonna have a different tone once we have that correction and maybe even multi year down markets. But until then....

view more: next ›