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Re: feedback on revised Asset Allocation

I think you'd want to take into account the risk/return profile of your pension. What can you say about that?
by Aptenodytes
Fri Feb 27, 2015 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: feedback on revised Asset Allocation
Replies: 2
Views: 169

Re: Roth IRA at Retirement

To get more specific you need to give some sense of what your annual Roth withdrawals are projected to be as a percentage of your Roth balance. the higher the number, the most conservative the allocations. Just the fact of withdrawing doesn't imply anything. Doesn't it also depend on your tax strate...
by Aptenodytes
Sun Feb 22, 2015 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA at Retirement
Replies: 49
Views: 4905

Re: Thoughts on replacing tires?

I personally have found the consumer reports plus tirerack approach very sensible for me. However, it isn't for everybody. It is a bit out of the ordinary and requires a willingness to try something new. Maybe you like that, maybe it makes you squeamish. Another pretty good option is consumer report...
by Aptenodytes
Sat Feb 21, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3410

Re: Shall I roll over my TIAA-CREF retirment account to Vang

There's no point keeping anything at TIAA CREF except for a traditional annuity and possibly a Real Estate holding. Anything else should be moved to vanguar The cost principle yields this conclusion. I moved everything but my TRAD to vanguard. I still put new contributions into the TRAD but that's n...
by Aptenodytes
Sat Feb 21, 2015 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Shall I roll over my TIAA-CREF retirment account to Vanguard
Replies: 25
Views: 1644

Re: Where should an HSA fit into investment priority?

Related question -- My fiancée has an HSA at work (large multinational) that doesn't have any investment options. If she were to open an HSA account with a 3rd party (i.e: Fidelity), is an annual rollover from work to the 3rd party typically painless (ignore that her company HR is pretty inept)? We...
by Aptenodytes
Sat Feb 21, 2015 7:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should an HSA fit into investment priority?
Replies: 39
Views: 2267

Re: Where should an HSA fit into investment priority?

A related quandary is how aggressively to invest the HSA. The logic of the tax benefits suggest you invest it extremely aggressively. But you also know that there's some possibility of an expensive health emergency that will require withdrawing from it, and that suggests tempering the risk because ...
by Aptenodytes
Sat Feb 21, 2015 7:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should an HSA fit into investment priority?
Replies: 39
Views: 2267

Re: Using the "10 year" and "Since Inception" to pick funds

All other things equal, it is better to invest in a fund that consistently beats a benchmark than one which is more volatile and fails to beat its benchmark the majority of the time. To me the argument that past performance is irrelevant is analogous to a baseball general manager who has to sign a ...
by Aptenodytes
Fri Feb 20, 2015 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Using the "10 year" and "Since Inception" to pick funds
Replies: 23
Views: 1631

Re: Where should an HSA fit into investment priority?

Related question -- My fiancée has an HSA at work (large multinational) that doesn't have any investment options. If she were to open an HSA account with a 3rd party (i.e: Fidelity), is an annual rollover from work to the 3rd party typically painless (ignore that her company HR is pretty inept)? We...
by Aptenodytes
Fri Feb 20, 2015 8:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should an HSA fit into investment priority?
Replies: 39
Views: 2267

Re: Where should an HSA fit into investment priority?

You know what the deductive reasoning is. I can tell you my practice, which is to literally max out the 403-b and the HSA, and to approximate a max of the SEP-IRA (I just don't bother calculating the literal max and fall short each year). I'm not fortunate enough to have taxable savings yet. If I we...
by Aptenodytes
Fri Feb 20, 2015 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should an HSA fit into investment priority?
Replies: 39
Views: 2267

Re: Help me find my friend !

Good grief. Am I really the last person on earth that doesn't do myface, spacebook, tweeter, and whatever else the kids are doing these days? It doesn't matter that lots of people don't use social media. The point is, if you are trying to hide from somebody, it isn't enough to stay off of social me...
by Aptenodytes
Fri Feb 20, 2015 7:11 am
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3217

Re: Should older workers omit graduation dates on resume?

When I see a CV with the graduate dates omitted I know something is up, but I don't know exactly what the story is. You have to decide if the facts are more alarming than the cover-up.
by Aptenodytes
Fri Feb 20, 2015 7:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Should older workers omit graduation dates on resume?
Replies: 34
Views: 3147

Re: Does Inflation eliminate the Safety of Bonds?

Edit: And yeah, of course you can hold TIPS, but look at the yield. The 30-year is .82%. So you'd either need a really low withdrawal rate or have a very short time horizon for this to be practical. What do you think the long-term real yield of bonds is, moving forward? I use 1% in my plans. If you...
by Aptenodytes
Thu Feb 19, 2015 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Does Inflation eliminate the Safety of Bonds?
Replies: 42
Views: 3305

Re: CarsDirect didn't lead to dealers responding with prices

You say you included dealers that were far away, but not how far away. Consider setting a wider radius and see what you pick up. When I bought an Accord two years ago the closest dealers did what you report, but one far away played along and I used its offer to lock in a matching price at a closer d...
by Aptenodytes
Thu Feb 19, 2015 3:51 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 63
Views: 4633

Re: The 8x retirement savings rule

Recently I got an email from Fidelity about the "8x retirement savings rule", which is basically: When you’re: Aim to have: 67 years old 8x your salary saved 55 5x 45 3x 35 1x Is this realistic? Sorry, OP, but I would not use this (or similar) email to plan MY retirement. First, what sala...
by Aptenodytes
Thu Feb 19, 2015 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7644

Re: Help me find my friend !

I'm assuming they have a common name and that you have no clues about their location. I'd think about organizations the friend is connected to. High schools, colleges, military service branches, employers, houses of worship. Those are all sources of clues. E.g. many high school and college classes h...
by Aptenodytes
Thu Feb 19, 2015 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3217

Re: Credit Card accounts (leave open or close?)

I think you should ignore your FICO score. I did for 40+ years and it has had no impact on my life. I've opened and closed accounts, got mortgages, car loans, etc. without every actually knowing or caring what my score was. I think that spending your life energy worrying about crap like this is a c...
by Aptenodytes
Thu Feb 19, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card accounts (leave open or close?)
Replies: 26
Views: 1377

Re: Need Desk chair for my office work

I recently bought a new chair for my home office after deciding everything on Craigslist was junk. I found this review the most helpful. If I were working from home 8 hours a day I'd definitely go for one of the $800+ chairs, without hesitation. I only sit at my home desk a couple hours a day, so I ...
by Aptenodytes
Thu Feb 19, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Need Desk chair for my office work
Replies: 28
Views: 1351

Re: Credit Card accounts (leave open or close?)

You have a great start with two super old no annual fee cards, keep those forever and just do one purchase every 9 months or so to keep them active. I have no problem keeping old no-fee credit card accounts, but to actually use the cards every 9 months or whatever seems like too much work. Given yo...
by Aptenodytes
Thu Feb 19, 2015 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card accounts (leave open or close?)
Replies: 26
Views: 1377

Re: The 8x retirement savings rule

So if I have 46x my expenses at age 58 with access to resonably priced health care and a just over five figure pension already being collected I can get out of here? I presume you are just gloating and not really asking a question. The health care and pension are irrelevant because they are reflect...
by Aptenodytes
Thu Feb 19, 2015 11:40 am
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7644

Re: The 8x retirement savings rule

Recently I got an email from Fidelity about the "8x retirement savings rule", which is basically: When you’re: Aim to have: 67 years old 8x your salary saved 55 5x 45 3x 35 1x Is this realistic? Such rules are totally meaningless and I wish companies would stop promoting them. I have a di...
by Aptenodytes
Thu Feb 19, 2015 10:39 am
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7644

Re: The 8x retirement savings rule

So if I have 46x my expenses at age 58 with access to resonably priced health care and a just over five figure pension already being collected I can get out of here? I presume you are just gloating and not really asking a question. The health care and pension are irrelevant because they are reflect...
by Aptenodytes
Thu Feb 19, 2015 10:33 am
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7644

Re: The 8x retirement savings rule

IMO, that's on the low side. And it's most definitely do able. Let's do some quick and dirty calculations. Median US household income is about 52k last year. 8x 52k = 416,000 With a very quick and simply safe withdrawal rate of 4%, this is equivalent to $16,640/yr of additional income on top of oth...
by Aptenodytes
Thu Feb 19, 2015 9:19 am
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7644

Re: Credit Card accounts (leave open or close?)

You have a great start with two super old no annual fee cards, keep those forever and just do one purchase every 9 months or so to keep them active. I have no problem keeping old no-fee credit card accounts, but to actually use the cards every 9 months or whatever seems like too much work. Given yo...
by Aptenodytes
Thu Feb 19, 2015 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card accounts (leave open or close?)
Replies: 26
Views: 1377

Re: Do you include an inflation estimate in your portfolio?

...That an investor should build into his/her calculations some reasonable estimate of inflation... 1) Personalyl, I never have used any inflation estimate; instead, I have always done all my personal spreadsheet math using real returns (i.e. returns after inflation). And I don't think anyone with ...
by Aptenodytes
Thu Feb 19, 2015 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you include an inflation estimate in your portfolio?
Replies: 17
Views: 1331

Re: Thoughts On My Asset Allocation?

I'll take your word for it that you have thought through the stock/bond split and are comfortable with such a high stock percentage. On the face of it there are no red flags, given your age and income. But we have to assume you have thought through the implications of a big stock downturn and are co...
by Aptenodytes
Wed Feb 18, 2015 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts On My Asset Allocation?
Replies: 2
Views: 275

Re: Rebalance w/ contribution calculation

Note that what you seek is unnecessary. Nudging things in the right direction is all you need. There's simply no point to hitting it on the nose, because within 24 hours all that work will be undone by the market. For payroll deductions, gross approximations are all you need. If you are making a sin...
by Aptenodytes
Wed Feb 18, 2015 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance w/ contribution calculation
Replies: 10
Views: 570

Re: Dave Ramsey Lashes Out at His Financial Critics

I think the takeaway here is that the market needs a sensible get out of debt person with a boglehead investment mindset.... ....who is as skilled at marketing as Dave Ramsey. Ah, there's the rub. The most skillful marketers appeal to our fears, our emotions, our vanities, our insecurities. Mass ap...
by Aptenodytes
Wed Feb 18, 2015 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9637

Re: Streaming music on demand

$10/month seems to be the going rate. If the cost is a deal-killer, perhaps you should accept the ads and not have to pay. Do you have any of your own music at all? A hybrid system that uses your own library for ad-free listening and a free streaming service that makes you suffer through ads in exch...
by Aptenodytes
Wed Feb 18, 2015 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Streaming music on demand
Replies: 16
Views: 658

Re: 3-1/3% SWR = you can manage it by intuitive household bu

In other words, IF the true safe withdrawal rate is really within shooting distance of 3-1/3%, THEN the Taylor Larimore withdrawal system is a completely sound and workable method. I think you are leaving some contingencies out, the most important of which may be exposure to the sequence of returns...
by Aptenodytes
Wed Feb 18, 2015 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: 3-1/3% SWR = you can manage it by intuitive household budget
Replies: 40
Views: 3517

Re: Using the "10 year" and "Since Inception" to pick funds

Sounds like maybe the OP was just talking about Stocks vs Bonds in his basic AA. But within stocks, he has the option to hold everything in TSM or to slice & dice with mid caps, small caps, international, etc, as Aptenodytes pointed out. Deciding whether to "tilt" in some direction ca...
by Aptenodytes
Wed Feb 18, 2015 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Using the "10 year" and "Since Inception" to pick funds
Replies: 23
Views: 1631

Re: Using the "10 year" and "Since Inception" to pick funds

One of the main reasons I'm moving to Vanguard is because of the lower costs. Coming from a place where I had mutual funds in the ~2% ER range, the difference between .15 and .35% seems not too bad. In each class, say Small Cap, there's three funds at .09% and one at .12%. At some point I need to l...
by Aptenodytes
Wed Feb 18, 2015 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Using the "10 year" and "Since Inception" to pick funds
Replies: 23
Views: 1631

Re: Recommend a general U.S. history book

I have three thoughts. 1) A single book that covers all of US history is likely to be boring. All the meat and gristle will be hidden from view, and you'll just see the skeleton. I would read some books that dive into a particular period, written by knowledge good writers. Authors such as Stephen Am...
by Aptenodytes
Wed Feb 18, 2015 10:30 am
 
Forum: Personal Consumer Issues
Topic: Recommend a general U.S. history book
Replies: 22
Views: 1106

Re: Using the "10 year" and "Since Inception" to pick funds

But all things being equal (e.g. the ER of two funds in the same class), wouldn't I be working against my own best interest in picking a fund that saw lesser returns over a given timeframe, with the longer timeframe the better. Such a circumstance isn't mathematically possible. It would help if you...
by Aptenodytes
Wed Feb 18, 2015 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Using the "10 year" and "Since Inception" to pick funds
Replies: 23
Views: 1631

Re: Using the "10 year" and "Since Inception" to pick funds

The elements of your premise are in contradiction. You say you have a good feel for your AA, and that you are considering a few different Vanguard funds in the same class. Bonds are complicated because the AA classes are not well defined. So let's focus on equities. The classes are international, in...
by Aptenodytes
Wed Feb 18, 2015 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Using the "10 year" and "Since Inception" to pick funds
Replies: 23
Views: 1631

Re: Should I sell individual stocks

What do you do with the dividends? If these are less than 1% of your assets, then you should just give them away. If they are more than 10%, then you should sell them. Make sure your kids are not stuck with the decision. If you die and they inherit the shares, make sure they sell them without senti...
by Aptenodytes
Tue Feb 17, 2015 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell individual stocks
Replies: 9
Views: 567

Re: Should I sell individual stocks

The logic of not selling because taxes are due is underspecified. Taxes can only be avoided if you drop below the 25% tax bracket, which for a married couple filing jointly is $73K. It only makes sense to refrain from selling in order to avoid taxes if you are sure that you will drop below the 25% t...
by Aptenodytes
Tue Feb 17, 2015 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell individual stocks
Replies: 9
Views: 567

Re: retirement income estimate-reality check

I don't understand the difference between lines 14 and 15. In natural language what you live on and your expenses are the same. But these are off by a factor of two. But either way I still don't see what the question is. Take the higher of the two expense numbers. Your pension and SS income combined...
by Aptenodytes
Tue Feb 17, 2015 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: retirement income estimate-reality check
Replies: 13
Views: 1500

Re: retirement income estimate-reality check

In any event, if you know your expenses are $30K per year, your pension is $32K per year, your age-70 SS is about $40K per year, and you have $1m saved up, why are you even bothering to mess with this?
by Aptenodytes
Tue Feb 17, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: retirement income estimate-reality check
Replies: 13
Views: 1500

Re: retirement income estimate-reality check

This is just addition and multiplication. If you want to bring reality into the picture you need to do some scenarios or thought experiments, bringing in things such as home repairs, health emergencies, large-scale market declines, longevity extremes and so on.
by Aptenodytes
Tue Feb 17, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: retirement income estimate-reality check
Replies: 13
Views: 1500

Re: Poll

[For me, I can barely find the time to browse the thread titles once a week, let alone scroll through hundreds/thousands? of new posts. You might want to give it a try. You don't need to scroll through each post -- the posts are aggregated into threads so you are just scanning a list of threads. Yo...
by Aptenodytes
Mon Feb 16, 2015 9:28 pm
 
Forum: Forum Issues and Administration
Topic: Poll [Checking Local Chapters & Bogleheads Community forum]
Replies: 14
Views: 840

Re: IRA Fees

1) There's no reason to pay ML a fee for your IRA. 2) Vanguard offers an excellent range of of low-cost, high-quality index funds, though there are other choices. 3) There are excellent 3-fund and 4-fund portfolios that can be constructed. There are also excellent 1-fund, 2-fund, 5-fund, and 6-fund ...
by Aptenodytes
Mon Feb 16, 2015 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA Fees
Replies: 4
Views: 188

Re: donation receipts

In these circumstances I apply common sense and hope for the best. If I followed the procedures at Goodwill, maintained a list of what I donated, looked up in a reasonable manner what the items were worth, I would not worry about it. If I were donating $250 strollers to Goodwill twice a month, I'd b...
by Aptenodytes
Mon Feb 16, 2015 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: donation receipts
Replies: 8
Views: 420

Re: Nearing retirement - needing advise on investment strate

I'm not sure what your actual AA is. You have 17% in cash. Maybe you are lumping the cash in with the bonds, but you say that the cash is there to buy stocks so maybe you have lumped it in with stocks. We can't reverse engineer the details because you don't give asset-level breakdowns in your accoun...
by Aptenodytes
Mon Feb 16, 2015 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nearing retirement - needing advise on investment strategy
Replies: 9
Views: 1046

Re: why is "Standard error" a good measure of the accuracy o

Other things equal, precision goes up with sample size. If you have a bigger sample you have more confidence in the answer. Say you want to figure out the relationship between education and income. One study collected data on 100 people, the other on 10,000. They will both come up with an estimate o...
by Aptenodytes
Mon Feb 16, 2015 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: why is "Standard error" a good measure of the accuracy of a
Replies: 4
Views: 542

Re: What 3 MATERIAL things would you take with you?

Interesting take. In my scenario the Internet, global seed vault, cultural icons,etc. would be counted as a shared heritage and nasa takes care of that. Your 3 things are potentially of value only to you. My hypothesize community would not trust NASA to do everything so we'd do our own evaluation o...
by Aptenodytes
Mon Feb 16, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1253

Re: Pfau: Four Risks of Retirement Income

One thing I take from this line of thought is that if we take these separate risks seriously, we need to extend our tool-kit. There is an economics theorem that the number of policy instruments must keep pace with the number of policy objectives for the objectives to be achievable. If we are aiming ...
by Aptenodytes
Mon Feb 16, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Pfau: Four Risks of Retirement Income
Replies: 31
Views: 4329

Re: What 3 MATERIAL things would you take with you?

I would make the choice as part of a collective deliberation, with a few thousand people similar to me in terms of ideology, methodology and values. We would find each other through facebook and twitter. If a group comes together along these lines comprising 5,000 people, then we get 15,000 items, a...
by Aptenodytes
Mon Feb 16, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1253

Re: Your car repair/parts expenses for 2014

Not a good year for my 2008 Volvo S60 with about 90K miles. Replace struts; replace brakes; replace tires; $2900.

Last year was $500.

As the car ages the costs trend upwards and become more volatile.
by Aptenodytes
Mon Feb 16, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 1740

Re: How much was your Tax Refund (or amount DUE)

Just filed; Federal refund is $3900. I make no effort to have withholding equal tax liability, because it is too much work for me. I instead make sure my withholding is not less than the previous year's tax bill. That's easy. The price I pay is fairly volatile bottom lines at tax time -- sometimes I...
by Aptenodytes
Sun Feb 15, 2015 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7108

Re: Home-visit computer repair options

My mother in law uses a guy like this. I think she found him through the local yellow pages or possibly a store front. You need to have very high confidence in the person -- they are coming in to your home and poking around your computing environment where all kinds of mischief is possible. In a rat...
by Aptenodytes
Sun Feb 15, 2015 11:07 am
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 840
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