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Re: What are you up YTD?

Some benchmarks can be found in the madsinger monthly report. But in the meantime: YTD performance ending 8/25/2014 6.0% LifeStrategy Conservative Growth 40/60 6.6% LifeStrategy Moderate Growth 60/40 7.1% LifeStrategy Growth 80/20 5.5% DGSIX DFA Global allocation 60/40 (A good example of a small-ca...
by 1210sda
Wed Aug 27, 2014 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 78
Views: 4393

Re: When did you hear of Bill Miller and Legg Mason Value Tr

In any event, since the fund is nominally a large value fund, the appropriate index comparison should be the Vanguard Value Index Fund. It didn't beat that one for 15 straight years. As for "excitement," I never felt that. I agree. From Bill Sharpe's The Arithmetic of Active Management: &...
by 1210sda
Sat Aug 23, 2014 8:35 am
 
Forum: Investing - Theory, News & General
Topic: When did you hear of Bill Miller and Legg Mason Value Trust?
Replies: 32
Views: 2316

Re: Frequent Flyer Miles:Transfer, Gift or what...

I did it !!!....It worked!!!

Thanks to everyone for their input. I was surprised as to how easy it was.

1210
by 1210sda
Sat Aug 23, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Frequent Flyer Miles:Transfer, Gift or what...
Replies: 12
Views: 697

Frequent Flyer Miles:Transfer, Gift or what...

Trying to let a friend redeem an airline tik using my miles. On the AA website, it appears that you can transfer or gift the miles to the other person. However, there is a cost of $25.00 per 1,000 miles transferred. Same seems to apply to gifting the miles. It would cost more to do this than it woul...
by 1210sda
Fri Aug 22, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Frequent Flyer Miles:Transfer, Gift or what...
Replies: 12
Views: 697

Re: [live off dividends?] How the rich stay/get richer??

The dividends have nothing to do with it, they are an illusion, the mathematical fact is that if you spend less than the growth generated by your portfolio then it will continue to grow, regardless of whether it comes from dividends or not. For example, if a portfolio generates 2% dividends and 6% ...
by 1210sda
Wed Aug 20, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4900

Re: Your biggest "Missed Money" event that still kills you?

"Your biggest 'Missed Money' event that still kills you?"

None !!

Various missed money events in my youth....but NONE that still kill me. :wink:

1210
by 1210sda
Mon Aug 18, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7932

Re: CPI table

I had th same problem, so I found this one.

http://inflationdata.com/Inflation/Cons ... oaded=true

1210
by 1210sda
Tue Aug 12, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1328

Re: Liability Matching Portfoloio

..... in reality the boundary between necessary and "desired" expenditures is a fuzzy. This seems to be a stumbling block for me. View liberally, ss and pensions cover those expenditures. Viewed conservatively, my pension and ss are inadequate. :? It shouldn't be so hard to distinguish be...
by 1210sda
Tue Aug 12, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liability Matching Portfoloio
Replies: 36
Views: 3189

Re: Dave Ramsey still defending 12% and still angry at "nerd

You know, it really is so easy to search Morningstar (Principia) and find the historical winners.
1210
by 1210sda
Mon Aug 11, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22436

Re: Dave Ramsey still defending 12% and still angry at "nerd

If you're promised 12%, how long do you think you'll stay in that fund when the returns will be much less than 12%? This is a straw man. It's already been established earlier in this thread by Nisiprius that 12% is possible. Larry Swedroe states: Don't treat the highly unlikely as impossible. I agr...
by 1210sda
Mon Aug 11, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22436

Re: So where's that inflation many forecasted?

Larry,
Thanks for the post.

I read or heard somewhere that you are no longer going to be writing for "Seeking Alpha". Is this correct ?

Either way, I'm grateful that you are still writing (etf.com) and posting links to your articles here.

Appreciate it.

1210
by 1210sda
Mon Aug 11, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: So where's that inflation many forecasted?
Replies: 43
Views: 2651

Re: Smooth perpetual withdrawal from risky assets

Yes there was. Sorry about that.
1210
by 1210sda
Sat Aug 09, 2014 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Smooth perpetual withdrawal from risky assets [endowment fd]
Replies: 93
Views: 7141

Re: Smooth perpetual withdrawal from risky assets

Instead of a constant $1,000,000 ending portfolio balance, why not a decreasing ending balance such as in the amortization of a mortgage loan. You could develop a schedule (ie spreadsheet) with a target ending balance for each of the 30 (or whatever) years. This could then be the amount from which y...
by 1210sda
Sat Aug 09, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Smooth perpetual withdrawal from risky assets [endowment fd]
Replies: 93
Views: 7141

Re: Smooth perpetual withdrawal from risky assets

longinvest wrote:Here's a hypothetical setup. We want a portfolio of risky assets (3-fund portfolio) to maintain (over the long run) an approximate inflation-adjusted value of $1,000,000.


Does this mean you'll have a $1,000,000 estate left when you die ?

1210
by 1210sda
Sat Aug 09, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Smooth perpetual withdrawal from risky assets [endowment fd]
Replies: 93
Views: 7141

Re: Dave Ramsey still defending 12% and still angry at "nerd

Defense of DR smacks of Stockholm Syndrome.
1210
by 1210sda
Sat Aug 09, 2014 8:09 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22436

Re: Volatility: Oh how I love thee.

tfb did a good column about this, +/- 5% Rebalancing Bands What does it take to knock your portfolio’s asset allocation off by 5%? You may be surprised that it takes more than you think. It was a surprise to me as well.... Today’s post is inspired by a post in the Bogleheads investment forum by Jim...
by 1210sda
Fri Aug 08, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3072

Re: Volatility: Oh how I love thee.

[assume bond prices stay level when stocks start dropping). In this case, stocks need to drop by 18.21% before rebalancing is triggered. any long-term benefit. - DDB ddb, Great calculations !! At first I thought, what the heck is he talking about?? How can it be so much (18.21%). Then I did the mat...
by 1210sda
Thu Aug 07, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3072

Re: Volatility: Oh how I love thee.

weak-minded investors become nervous and sell in a roller-coaster market, and that gives me more opportunities to buy at cheap prices. Here is more about " Learning to Love Volatility " Rick Ferri Hey, maybe I could include that in my IPS.......buy when the weak-minded and nervous are sel...
by 1210sda
Thu Aug 07, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Volatility: Oh how I love thee.
Replies: 44
Views: 3072

Re: Is 30% SCV/ 70% Bonds really a good idea?

I think the bigger question is this: can you stick with a Larry portfolio despite it's tracking error? The specific allocation is less important than staying the course. Completely agree with this assessment. As I look around at many of my neighbors (not "you", of course :-) ) and their r...
by 1210sda
Thu Aug 07, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Is 30% SCV/ 70% Bonds really a good idea?
Replies: 21
Views: 1715

Re: Income Tax What If... Married filer vs Single filer

I'm just saying that many retirees may be surprised by how large an impact filing status has.
It could screw up a retirement budget quite a bit. All this at a time when you usually have no additional sources of income (perhaps part time work, I guess)

1210
by 1210sda
Tue Aug 05, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income Tax What If... Married filer vs Single filer
Replies: 7
Views: 446

Income Tax What If... Married filer vs Single filer

I was just messing around with Turbo Tax's "What If" feature to see what would happen to income taxes when either one of the spouses dies. I kept every thing the same (except the personal exemption), but used Single Filer status (SF)instead of Married Filing Jointly (MFJ). I was amazed to ...
by 1210sda
Tue Aug 05, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income Tax What If... Married filer vs Single filer
Replies: 7
Views: 446

Re: Dave Ramsey still defending 12% and still angry at "nerd

I'm trying to recall a quote that was attributed to Rex Sinquefield of DFA. It went something like this......bad advice ain't cheap, you pay dearly for it. Maybe someone can recall the exact quote. Sure makes me wonder if it applies here. 1210 Edit: I found it. Poor performance does not come cheap. ...
by 1210sda
Mon Aug 04, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22436

Re: Where does 4% start

Leesbro63 wrote:http://www.kitces.com/blog/is-the-safe-withdrawal-rate-too-safe-or-too-aggressive/


Thank you for the link. 1210
by 1210sda
Sun Aug 03, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does 4% start
Replies: 28
Views: 2920

Re: Smooth perpetual withdrawal from risky assets

IMHO it's pretty easy. Our 60/40 port has a net (of taxes) expected REAL CAGR = 4.4%. Subtract our AWR = 3.0% and the equity volatility cost = 1.2% (60% equities) and our portfolio will experience a positive perpetual net REAL CAGR = 0.2%. It's a perpetual portfolio. Say there is another Black Swan...
by 1210sda
Sun Aug 03, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Smooth perpetual withdrawal from risky assets [endowment fd]
Replies: 93
Views: 7141

Re: Dave Ramsey still defending 12% and still angry at "nerd

Oh and he's wrong about the 0% rate of return as well for money not invested...it's actually less than 0% due to the power of inflation. 1mil of cash stuffed in the mattress today will be worth much less in 35 years time. Ha Ha....very good point which many of us (including Dave and Me) missed. 1210
by 1210sda
Sat Aug 02, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22436

Re: Dave Ramsey still defending 12% and still angry at "nerd

ObliviousInvestor wrote:
bhsince87 wrote:[OT comment removed by admin LadyGeek]

I really don't know what you mean. Those are direct quotes from the website. Perhaps we're having some sort of miscommunication here.



bhsince87: I too would like to know what you mean. Could you please explain

1210
by 1210sda
Fri Aug 01, 2014 8:22 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22436

Re: Dave Ramsey still defending 12% and still angry at "nerd

Some of his audience may not know the difference between "average" returns and "compound" returns. It's something he (or someone else) should thoroughly explain. Dave just glosses over the difference in his video. I believe that getting the word out to the masses and getting them...
by 1210sda
Thu Jul 31, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22436

Re: Wise to split $$ between Vanguard and advisor?

baa, I recommend that you give some thought to the 3Fund Portfolio. There is an excellent thread on this in this forum. I'd post a link to it, but I don't know how. Perhaps some other boglehead can do so. For many of us, this is the best approach to portfolio management. Your total expense ratio for...
by 1210sda
Wed Jul 30, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wise to split $$ between Vanguard and advisor?
Replies: 38
Views: 2312

Re: Looking for insights on San Antonio

While visiting in San Antonio, I became aware of the very large number of "gated communities". Not used to this in the Midwest, but locals seem to love them.
1210
by 1210sda
Sat Jul 26, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 33
Views: 1608

Re: is this ( simple) retirement calculation correct?

I want to know if I can retire in 25 years, and then draw 100K ( in 2014 dollars ) per year for at least 30 years. I know there are online calculators to do this ( the Wiki has a list of over 30 :!: , and I have played with FireCalc ) , but I generally understand things better when I do the work my...
by 1210sda
Thu Jul 24, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: is this ( simple) retirement calculation correct?
Replies: 11
Views: 1234

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

Expecting "tilt" to offset the cost of the advisor did not seem feasible. 1210 Using Rick's Portfolio Solutions projections, a 60/40 portfolio would have an expected return of 5.76% (60% x 7.6%)+(40% x 3.0%). If an adviser charges 1% per annum, how much "tilt" would be required ...
by 1210sda
Sat Jul 19, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6708

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

If I interpret both of those statements correctly, it seems a more straightforward way to get higher potential (aka expected) returns would be to increase your allocation to equities without any tilt. " I say go for simplicity. Just increase your equity allocation a little. Bertilak, I totally...
by 1210sda
Fri Jul 18, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6708

Re: Hospital bill negotiation

This is a great topic that I will file away for future use. We (DW and I ) have had one experience in dealing with disagreeing with our doctor's bill. I reviewed the bill (minor female type surgery) and right away I disagreed with some of the charges. (Please don't ask what the disagreement was....i...
by 1210sda
Fri Jul 18, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4318

Re: "The Incredibly Shrinking Financial System" by Jack Bogl

Thanks for posting Taylor. I wonder if this will eventually be on Jack's blog??
1210
by 1210sda
Wed Jul 16, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: "The Incredibly Shrinking Financial System" by Jack Bogle
Replies: 10
Views: 1683

Re: Oil Change due: Synthetic vs Regular Oil

To all Bogleheads who responded to my post...........THANK YOU VERY MUCH. You are great.

I have a lot of re-reading and thinking to do.

1210
by 1210sda
Mon Jul 14, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2838

Re: Oil Change due: Synthetic vs Regular Oil

1210, I suspect from the oil requirement stated in the owner's manual (and your lack of reply to the make, model, and year of car) that you do not have a high-performance (e.g., turbo) engine in the car. Those engines most always require a pure synthetic oil. What do you own? Sorry about make/model...
by 1210sda
Mon Jul 14, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2838

Re: Oil Change due: Synthetic vs Regular Oil

What make, model and year of car? Type of driving (city, highway, or a mix)? Lots of short trips? Mix, short trips Climate (very hot summers, very cold winters, dusty)? Hot summers How often do you change the oil and filter? Low Mileage user....about every 6 to 8 months Do you tow boats or trailers...
by 1210sda
Mon Jul 14, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2838

Re: Oil Change due: Synthetic vs Regular Oil

Ron wrote:What does your owner's manual say?

- Ron



**Engine oil with API Certification Mark
**Viscosity SAE 5W-30
That's all.

??????

1210
by 1210sda
Mon Jul 14, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2838

Oil Change due: Synthetic vs Regular Oil

I'm going in for an oil change soon. I was given a quote for both synthetic and regular oil. The Synthetic one is 35% more than the regular oil.

Is it worth it??

Bogleheads to the rescue...........

1210
by 1210sda
Mon Jul 14, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2838

Re: Facing possibilities [Self-funded Long-Term Care]

What if BOTH of you need care before the 5 year Medicaid lookback runs out? If BOTH needed care (either at the same time, or one at a time), you wouldn't need your home to live in. You could sell it and use the proceeds to help pay for the NH. Of course, the greater the equity in the house, the bet...
by 1210sda
Tue Jul 08, 2014 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Facing possibilities [Self-funded Long-Term Care]
Replies: 13
Views: 953

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

I'm working on a spreadsheet and will have some results a little later based on a single withdrawal on June 30 of each year. It looks like the results will vary depending on the specific withdrawal dates. I extracted growth of $10K data from the Morningstar chart. Look forward to seeing your spread...
by 1210sda
Mon Jul 07, 2014 8:14 am
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3376

Re: The Millionaire Next Door: Are You One?

Then I recommend a re-read - this neighbor I speak about is retired, not only does he own 2 benz's and a Cadillac, but he's made very costly capital improvements to his home over the last 5 years (I know because I've seen the workmen come and go and the home looks much better) and travels to far aw...
by 1210sda
Wed Jul 02, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22720

Re: The Millionaire Next Door: Are You One?

Not totally reliable, but if the said neighbor explicitly tells you they were given a gaggle of stock options in their company and you know the stock has appreciated considerably - well that is one indicator. The other indicator is vacation travel to places that cost $$$. Owning a Benz outright is ...
by 1210sda
Mon Jun 30, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22720

Re: The Millionaire Next Door: Are You One?

To be the counterpoint, once you've won the game and you have a plethora of money, if you don't spend it your wasting it. You only have one life to live and you should spend your money accordingly on the things that you will enjoy possibly like traveling, a New house etc etc (sigh)If only we knew h...
by 1210sda
Mon Jun 30, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22720

Re: The Millionaire Next Door: Are You One?

Most folks I know do not make their net worth public knowledge. All too often we extrapolate their net worth from their possessions (car, house, jewelry, etc). This can lead to a lot of false readings. When my kids were growing up, I would tell them....when a person has a big house or a fancy car, t...
by 1210sda
Mon Jun 30, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22720

Re: Why don't we like Dave Ramesy's investment advice

I cringe when I hear DR talk about investing in "a good growth mutual fund that returns 12%+ per year, every year". It's real easy to state...... just invest in a "good" growth mutual fund. I wonder how DR defines "Good". (History? :annoyed ; Morningstar Stars? :annoye...
by 1210sda
Mon Jun 16, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't we like Dave Ramesy's investment advice
Replies: 50
Views: 5076

Re: With no children, who will take care of my finances?

As I approach older age (now I'm 61) I'm asking myself this. Are there others with the same question? Thanks to the OP for starting this thread. This is a topic which needs to be explored further. Even with children, they may not be able or willing to handle it. I shudder at the thought of the &quo...
by 1210sda
Sun Jun 15, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: With no children, who will take care of my finances?
Replies: 53
Views: 5851

Re: Is a 2% withdrawal rate bulletproof ?

surfstar wrote:It is bulletproof as long as your returns are above 2% :D


and inflation doesn't explode............

1210
by 1210sda
Thu Jun 12, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a 2% withdrawal rate bulletproof ?
Replies: 48
Views: 3983

Re: The 2 comma paradox

LadyIJ, I assume you are referring to me. Can you please show me where I ever said the part underlined in your statement. I only said what I could save in a year not make and never did refer to "Average Joes". Starbux, this is getting to be a very long thread (137+ posts) so it's easy to ...
by 1210sda
Thu Jun 12, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14527

Re: Budget for charitable giving

Two things that are important to me:

1. Focus on giving "Locally"
2. Use http://www.charitynavigator.org to help me identify those organizations that give the largest
proportion of their donations to their programs and less to admin and fund raising.

1210
by 1210sda
Wed Jun 11, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Budget for charitable giving
Replies: 39
Views: 2627
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