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Re: Dividend Strategy Ain't For Everyone

In your case it isn't the simplicity that makes your approach better, it is the accuracy.
by Aptenodytes
Fri Aug 01, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 31
Views: 1647

Re: Dividend Strategy Ain't For Everyone

Magic doesn't work. Listen to your senses. You are doing the right thing.

A world without magic is so much more boring than one with magic. That explains the constant appeal. But we live in the world without magic, so the people who know that come out ahead in life.
by Aptenodytes
Fri Aug 01, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 31
Views: 1647

Re: First rebalance, new asset allocation and circumstances

why disregard the large cash position? taking it into account makes your problem almost go away, no?
by Aptenodytes
Fri Aug 01, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: First rebalance, new asset allocation and circumstances
Replies: 9
Views: 668

Re: All money in TIPs??

Bob, would you not also mention that not the entirety of the assets go to annuities and TIPS? I think there should always be room for some equity investing. I agree. Kitces and Pfau have a paper that argues that a major benefit of an annuity-heavy approach is that it allows equities to grow relativ...
by Aptenodytes
Fri Aug 01, 2014 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: All money in TIPs??
Replies: 17
Views: 1069

Re: All money in TIPs??

To me, by using SPIAs, for a fee, you are rendering your money to others mainly because you can't or do not wish to handle it yourself. I am certainly not in that camp. I suggest you read more about SPIAs before committing to the full TIPS ladder. Your understanding is very different from the mains...
by Aptenodytes
Fri Aug 01, 2014 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: All money in TIPs??
Replies: 17
Views: 1069

Re: First rebalance, new asset allocation and circumstances

I don't like reading extremely long posts that have very short questions, so I probably made a mistake in figuring out the gist of your post, but I think it says you have 38% in bonds plus cash and you would prefer to have 40%. That doesn't strike me as a big conundrum. This is likely to be a too-lo...
by Aptenodytes
Fri Aug 01, 2014 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: First rebalance, new asset allocation and circumstances
Replies: 9
Views: 668

Re: All money in TIPs??

On paper you would be good candidate for a SPIA.
by Aptenodytes
Fri Aug 01, 2014 7:14 am
 
Forum: Investing - Help with Personal Investments
Topic: All money in TIPs??
Replies: 17
Views: 1069

Re: How Much Did You Lose Today?

After many great days/weeks/months this was a tough day - I am very diversified but everything was red today...domestic/international/emerging equities down, bonds/TIPs/international bonds/junk down, gold down, REITs down...was anything up today? I don't know. My portfolio has plummeted to June 201...
by Aptenodytes
Thu Jul 31, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 128
Views: 7342

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

I get the sense that he thinks of his audience as child-like, in danger of making big mistakes if an adult doesn't tell them what to do in terms a child can understand. I get the sense that many people have benefited from his efforts, however patronizing they may be. The defense of the 12% number se...
by Aptenodytes
Thu Jul 31, 2014 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 52
Views: 6140

Re: First Time to US + NYC/DC

I don't know how often the Lonely Planet is updated. I agree with Livesoft that with just a few days there's no reason not to focus on the basics, but something new in NYC is CitiBike . DC has had something like it for longer. I'd never do it in Washington, but Manhattan has a bike path that almost ...
by Aptenodytes
Thu Jul 31, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Assistance Requested! First Time to US + NYC/DC
Replies: 13
Views: 525

Re: Central AC replacement decision

In general you want to concentrate your efficiency investments in your heating system, not your cooling system. Where you live you get far better returns there. So I'd agree with the sentiment not to aim too high. You can get better return elsewhere (insulation, windows, caulking leaks, new furnace,...
by Aptenodytes
Thu Jul 31, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 40
Views: 1328

Re: Prove adding SV will increase E(r) given the same risk

If you don't want to take the time to read Larry's book, then I wonder how much you really care about the question. If you are seriously contemplating adopting the fat-tail portfolio, surely you owe it to yourself to take the 30 minutes or so it would take to grasp the essentials. If you aren't seri...
by Aptenodytes
Thu Jul 31, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Prove adding SV will lower the risk, given the same E(r)
Replies: 61
Views: 2026

Re: W/ AA - consider all accounts as one, including spouse?

The worse case divorce scenario is one in which one spouse's accounts have grown very fast and the other's have grown very slowly or even shrunk, over a long period. In this circumstance it is of no consolation that each spouse can create a balanced AA within their separate portfolios. The slow-grow...
by Aptenodytes
Thu Jul 31, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: W/ AA - consider all accounts as one, including spouse?
Replies: 15
Views: 630

Re: HUFF POST: How Financially Literate Is the Investing Pub

scone wrote:Weren't the leading Bogleheads going to start some sort of financial literacy project? IIRC I heard about it at a previous conference.

Bogleheads.org

Surely one of the most successful sustained public education efforts around.
by Aptenodytes
Thu Jul 31, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 42
Views: 2799

Re: W/ AA - consider all accounts as one, including spouse?

The only reason to mirror the AA within each spouse's holdings is to better deal with the contingency of an acrimonious divorce or death, if the surviving spouse is the not the sole beneficiary. At least that's all I can think of. How strongly you want to prepare for those contingencies is a persona...
by Aptenodytes
Thu Jul 31, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: W/ AA - consider all accounts as one, including spouse?
Replies: 15
Views: 630

Re: Mortgage on owned home

Older you are --> more likely it is better to sit tight Smaller the mortgage --> more likely it is better to sit tight Lower your tax bracket --> more likely it is better to sit tight Less aggressive your AA --> more likely it is better to sit tight Higher your savings rate --> more likely it is bet...
by Aptenodytes
Thu Jul 31, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage on owned home
Replies: 6
Views: 531

Re: New smartphone - questions from a nervous upgrader

Some companies now have options where they are not involved in the hardware side at all. ATT, for example. That's what I do. Buy whatever phone you want from whatever source you choose, and ATT just provides the phone and data service. For someone who doesn't plan to get new phones that often, that'...
by Aptenodytes
Thu Jul 31, 2014 7:14 am
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 39
Views: 2374

Re: XIRR Performance Calc Vanguard

Hey everyone, I am fairly familiar with the XIRR function but when I download a list of transactions since inception on my Vanguard accounts into Excel, I'm getting a lot of transactions in addition to just purchases / sales (e.g. distributions from dividends,LT cap gain, exchanges from one fund in...
by Aptenodytes
Wed Jul 30, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR Performance Calc Vanguard
Replies: 4
Views: 464

Re: Using equal mortality time intervals for planning

What makes three the magic number in this exercise? Good question- I tried 3, 4 and 5 periods. Three, seemed the simplest for the information given. If you have a spouse, you have n^2 possible outcome to evaluate. Even 9 is a stretch for me. Also like an odd number so that the overall life expectan...
by Aptenodytes
Wed Jul 30, 2014 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Using equal mortality time intervals for planning
Replies: 16
Views: 815

Re: Using equal mortality time intervals for planning

What makes three the magic number in this exercise?
by Aptenodytes
Wed Jul 30, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Using equal mortality time intervals for planning
Replies: 16
Views: 815

Re: Home Appraisal

It depends on how you are counting your minutes. I think 15 minutes at the house is probably OK; they just snap a bunch of photos mostly and use a laser to measure square footage, and take a few notes about building materials. But that isn't the appraisal. The appraisal includes generating a list of...
by Aptenodytes
Wed Jul 30, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal
Replies: 20
Views: 1290

Re: What percentage of my portflio should be in cash?

0. Maintain whatever balance you need in your checking account, but your checking account is not part of your portfolio. It is in service of meeting your expense needs.
by Aptenodytes
Wed Jul 30, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of my portflio should be in cash?
Replies: 10
Views: 891

Re: Stocks: losing money for 20-30 years not uncommon

Plus it appears that those figures are all for a lump sum invested with no more contributions for the entire period. How many people do that? Everyone in retirement. Your point is valid that the presentation is confusing and unhelpful. I suspect that the majority of his readers are still making con...
by Aptenodytes
Wed Jul 30, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 4095

Re: Need Perspective and Advise

You are smarter than your adviser, or your adviser is a crook. Either way, your path is clear.
by Aptenodytes
Wed Jul 30, 2014 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Perspective and Advise
Replies: 20
Views: 1298

Re: Riding the Rails--my Amtrak trip

Thanks for the update! $3500 a month in rent, wow! Can I ask what they do for a living? That's not that much for lower Manhattan. $3,500x12 = $42,000. Split between two people you can swing that on modest professional salaries. People in Manhatan aren't necessarily richer than the rest of the count...
by Aptenodytes
Wed Jul 30, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 52
Views: 5486

Re: The emerging market portion of Total International Stock

If are thinking about overweighting emerging markets, you ought to be aiming to at least approximate market weights in developed-country non-US markets. That puts you in the neighborhood of 50-50 US/non-US. That puts you at about 9% emerging market. I don't see the point of worrying about the differ...
by Aptenodytes
Wed Jul 30, 2014 7:19 am
 
Forum: Investing - Theory, News & General
Topic: The emerging market portion of Total International Stock
Replies: 5
Views: 1148

Re: Basically starting over

Your funds are fine, they just add up to an AA that is different than you listed in your post. What I hear you saying now is that 70-30 AA isn't really something you aspire to. OK, that's fine. Then state what AA you do want to aspire to.
by Aptenodytes
Tue Jul 29, 2014 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3361

Re: Which is King: Income Stream or $ Invested

In your example, I would take the $4M, because I could buy a SPIA with it that would pay $199K/year. But I don't know how that maps to your question. In fact, I can't think of any answer that could possibly be true. Say you think income is better. You mean you'd rather have one dollar per year than ...
by Aptenodytes
Tue Jul 29, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Which is King: Income Stream or $ Invested
Replies: 51
Views: 4073

Re: Stocks: losing money for 20-30 years not uncommon

Why does "world" not equal "average?" What is the difference between a USD and a US$? Why is every entry in real terms except one, and it seems to be some kind of average of the others? And how does something labeled "equal weighted" get to be an outlier? Is it because ...
by Aptenodytes
Tue Jul 29, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 4095

Re: Vanguard Asset Allocation Tool

MillennialDoc: Welcome to the Bogleheads Forum! I'm still deciding what my asset allocation should be. Vanguard has this Asset Allocation Tool to help you decide what your asset allocation should be: Asset Allocation Tool Best wishes Taylor Interesting. I filled it out quickly guessing what the OP ...
by Aptenodytes
Tue Jul 29, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is rebalancing worth having bonds?
Replies: 26
Views: 1831

Re: Is rebalancing worth having bonds?

Yes. Your reasoning is a bit muddled, but your conclusion is sound. You can read the various recommended resources if you want to sort out the reasoning, but in the meanwhile setting an AA that is 20-25%% bonds is something almost everyone here would endorse. e.g. http://www.bogleheads.org/wiki/Asse...
by Aptenodytes
Tue Jul 29, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is rebalancing worth having bonds?
Replies: 26
Views: 1831

Re: How does car trade-in works?

Carfax doesn't catch everything. I've bought carfax reports to include in my ad listings when I've sold my cars, and they are highly incomplete.

Expect to pay several thousand dollars for the convenience of trading your car in. The pricing services will tell you all this.
by Aptenodytes
Tue Jul 29, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 66
Views: 3630

Re: Kitchen Remodel... Or Not?

You have to choose between being a cheapskate and having a nice kitchen. Some people like being cheap, but it comes with a price (e.g. bad kitchens).

If I were you I'd just pay cash for the remodel out of the emergency fund and not sweat it.
by Aptenodytes
Mon Jul 28, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2814

Re: Principles for Changing Asset Allocation & Splicing

Such decisions should be made by not making them.

Erratic AAs are worse than bad AAs.

What makes an AA good is independent of what you had in the past. There is no path dependence to AA quality.
by Aptenodytes
Mon Jul 28, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: Principles for Changing Asset Allocation & Splicing
Replies: 10
Views: 740

Re: Do I need umbrella insurance?

I ... [h]ave accumulated significant assets ... is umbrella insurance needed for me ? I edited out all the irrelevant stuff. If you have significant assets, you have risk. Umbrella insurance is a cheap way to get it. Usually it is a supplement to homeowners and auto, which it sounds like you lack. ...
by Aptenodytes
Mon Jul 28, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella insurance?
Replies: 15
Views: 1578

Re: Need help rebalancing investments

What she needs is a strategy.

Maybe send her a copy of Bernstein's guide for millennials.
by Aptenodytes
Mon Jul 28, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help rebalancing investments
Replies: 4
Views: 437

Re: DCA plan.. Help

livesoft wrote:Since you already have $5 million invested, I would just put the $50K in tomorrow. 'Tis but a tiny drop in a bucket.

Wait, what? I feel bamboozled. I retract my earlier answer.
by Aptenodytes
Sun Jul 27, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCA plan.. Help
Replies: 12
Views: 622

Re: DCA plan.. Help

Take out a sheet of paper. On the left write down the shortest length of time you would be comfortable making the move. On the right side of the paper right down the longest amount of time you would be comfortable making the move. There is no objective way to choose within that space. With help of a...
by Aptenodytes
Sun Jul 27, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCA plan.. Help
Replies: 12
Views: 622

Re: POLL: My home is worth less/more in 2014 than in 2007?

I'm about 20% below 2007. But 2007 was about double from 10 years prior, so I'm fine with it. This is NY Metro area. What I see in the neighborhood is upgrades and teardowns. But that's driven by the short-term trends, not the long-term. The 1-year trend in home prices is up 15%.
by Aptenodytes
Sun Jul 27, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 82
Views: 4078

Re: Basically starting over

Aptenodytes : 1) So you like the percentages I have in my AA but not the funds? Why is that? I used the Boglehead Wiki and the three fund page to help with my selection. What makes them bad? What would make them better? All the funds have a very low expense ratio and a low turnover. I feel like thi...
by Aptenodytes
Sun Jul 27, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3361

Re: Public Speaking-help

You answered your own question in your original post. The Dale Carnegie course worked for you. Take something like that as quickly as possible. And this time keep it up with regular refreshers so you don't back-slide. If there isn't time to take a course think about this: write an extremely good Pow...
by Aptenodytes
Sun Jul 27, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 75
Views: 3944

Re: Old people and financial advisors - a family tale

Even if you can't bring out the best possible outcome, you might be able to do a lot of good just putting the schmuck on notice that you are on the case. It may make him think twice about his abuse. He may churn less. But these gestalts are very hard to dislodge. They get entwined with feelings of s...
by Aptenodytes
Sun Jul 27, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5533

Re: Basically starting over

Do you have a 25 month or a 5 month emergency fund? You have both in your post. ' Current financial situation: Emergency funds: 25 months of expenses Part 1: I keep a 5 month emergency fund. Then I want to put $10,000 into I-Bonds as soon as possible. I would get 5 sets of $2,000 I-bonds. After a y...
by Aptenodytes
Sun Jul 27, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3361

Re: Basically starting over

1) Your desired AA is different than the funds you say you want to invest in. Your AA calls for the 3-fund portfolio, or possibly 4 if you want total bond plus TIPS. I like how you describe the desired AA more than I like the funds you list. Personally, I'd either drop international to zero or incre...
by Aptenodytes
Sun Jul 27, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 17
Views: 3361

Re: Stop Extra Payment Toward Mortgage?

Paying off a home in 15 years is often a better move than 30, but I would only do it if I could afford the 15-year mortgage at the outset. You normally get a significant interest rate reduction. Doing it your way you pay the higher interest rate of the 30-year but endure the belt-tightening of the 1...
by Aptenodytes
Sun Jul 27, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Stop Extra Payment Toward Mortgage?
Replies: 31
Views: 1994

Re: Teacher looking for portfolio advice

1. My district just signed on with the New York State 457b plan and I want to put around $4,000 a year into it. I was thinking about 81% in Vanguard Institutional Index Fund(VINIX), 6% in Vanguard Mid-Cap Index Fund(VMCIX), and 13% in Vanguard Small-Cap Index Fund (VSCIX). First step is to determin...
by Aptenodytes
Sun Jul 27, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Teacher looking for portfolio advice
Replies: 13
Views: 567

Re: WSJ: Free online SS benefits tools reviewed

Looks like the publicity may have generated a surge in traffic to Bedrock that overwhelmed its servers. But anything worth doing is worth waiting for.
Image
by Aptenodytes
Sun Jul 27, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ: Free online SS benefits tools reviewed
Replies: 7
Views: 1027

Re: best place to buy kitchen appliances

The market is competitive but confusing. Individual models have their pricing rhythms. The last time we bought multiple appliances we took advantage of a promotion Sears was running where you could get escalating discounts based on the number of appliances you bought. The discounts applied whether o...
by Aptenodytes
Sun Jul 27, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: best place to buy kitchen appliances
Replies: 15
Views: 1114

Re: Paycheck division/saving for yearly expenses & contribut

I do what jsl11 does. Note that you can have your savings account pull money from your checking account in an automated way. So you don't need to bug HR every time you want to change things. Just have the whole paycheck put in the checking account, and then control the sluices from there. If there's...
by Aptenodytes
Sat Jul 26, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paycheck division/saving for yearly expenses & contributions
Replies: 10
Views: 1213
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