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Re: Safe Withdrawl Rate

I won't adjust the withdraw rate for inflation every year,..... By 12-31-14 I'll be 61 and my wife will be 60. WR Your $4,385,000 at 3.5% = approx. $154,000. If you don't adjust for inflation, in 25yrs (your age 61), assuming 3% increase per year, your purchasing power will be cut in half....$77,00...
by 1210sda
Tue Sep 16, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2361

Re: You may want to rethink the odds of ever needing LTCi

You also need to consider the difference in long term care costs and what your normal retirement budget is since many(but not all) of your other expense will be reduced if you go into a nursing home. If you end up having to pay $70,000 a year for nursing home (or whatever it cost in your area) but ...
by 1210sda
Sun Sep 14, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 63
Views: 6013

Re: Why don't the LifeStrategy funds have Admiral Status??

"still waiting for admiral series of target date fund . here is the response from vanguard . Vanguard cannot offer separate share classes for any of our fund-of-funds per SEC regulations. Investment companies who do offer additional share classes for a fund-of-fund structure are able to do so b...
by 1210sda
Thu Sep 11, 2014 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1341

Re: Why don't the LifeStrategy funds have Admiral Status??

It seems the Balanced Index Fund is not a fund of funds. What I'm wondering is why can't Vanguard follow the same approach with the Lifestrategy funds??
1210
by 1210sda
Thu Sep 11, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1341

Re: Why don't the LifeStrategy funds have Admiral Status??

My theory is that because they are funds of funds, $10,000 invested would equal far less than $10,000 invested in each of the constituent funds. So, if for example the smallest component of one of these funds had only a 10% allocation, one would have to hold $100,000 of the overall fund for that sp...
by 1210sda
Thu Sep 11, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1341

Why don't the LifeStrategy funds have Admiral Status??

Does anyone know why?.... Has Vanguard indicated any move towards Admiral status for Life Strategy funds.

1210
by 1210sda
Thu Sep 11, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1341

Re: Simplicity vs. Complexity

I guess one has to decide what's most important. For my surviving spouse (whenever she becomes one), there is little interest in managing a portfolio. If I left her a complex portfolio, it would not get rebalanced, she would be confused as to which funds to sell if she needed additional money. It wo...
by 1210sda
Wed Sep 10, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 3315

Re: A Low-Return Future? Are We Prepared?

Huh? What does population growth have to do with anything? I don't see the relation with expected returns... More workers and more consumers, sure, but this comes with a heap of other problems... Please explain? Here's a picture that probably explains it better than I can just using words: http://w...
by 1210sda
Mon Sep 01, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12152

Re: If you had an extra $100,000

In most cases, it's hard to argue too much against paying off a mortgage. And deferred income annuities (aka "longevity insurance") are an idea I like overall -- though as I've mentioned elsewhere, the lack of protection against inflation makes them significantly less appealing IMO. If it...
by 1210sda
Thu Aug 28, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7194

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: 101
Views: 7824

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: 2347

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: 738

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: 738

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: 4990

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: 8085

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: 1354

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: 3309

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: 22782

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: 22782

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: 2681

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: 7692

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: 7692

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: 7692

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: 22782

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: 3138

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: 3138

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: 3138

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: 1743

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: 462

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: 462

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: 22782

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: 2939

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: 7692

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: 22782

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: 22782

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: 22782

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: 2338

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: 1623

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: 1243

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: 77
Views: 7812

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: 77
Views: 7812

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: 4344

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: 1697

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: 2868

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: 2868

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: 2868

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: 2868

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: 2868

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: 972

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: 3393
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