Search found 1284 matches

Return to advanced search

Re: Help me calculate changing asset percentages.

dbr wrote: Ah yes, one of the possible ideas of "add" would be that there is new money.

Yes, it will be new money from cash -- which, for too long, I've been reserving a significant amount of to put towards a future home purchase when we relocate.
by Bustoff
Sun Mar 01, 2015 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me calculate changing asset percentages.
Replies: 6
Views: 153

Re: Help me calculate changing asset percentages.

Apparently I suck at math. Can anyone show me how calculate the correct amount or percentage of asset class when adjusting asset allocation? For instance, assume my current allocation is 30% Total Stock Market and 70% Total Bond Market. If I want to add 10% Total International Stock Fund to my 30% ...
by Bustoff
Sun Mar 01, 2015 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me calculate changing asset percentages.
Replies: 6
Views: 153

Re: Help me calculate changing asset percentages.

You haven't define what you mean by "add." If you mean you want to increase your stock allocation by 3% with the addition to be in international stocks, then you sell 3% of total assets in bonds and buy those stocks, ending up with a 33/67 allocation. If you mean you want to sell some bon...
by Bustoff
Sun Mar 01, 2015 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me calculate changing asset percentages.
Replies: 6
Views: 153

Help me calculate changing asset percentages.

Apparently I suck at math. Can anyone show me how calculate the correct amount or percentage of asset class when adjusting asset allocation? For instance, assume my current allocation is 30% Total Stock Market and 70% Total Bond Market. If I want to add 10% Total International Stock Fund to my 30% e...
by Bustoff
Sun Mar 01, 2015 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me calculate changing asset percentages.
Replies: 6
Views: 153

Re: How long will I l live? (mortality predictor)

madbrain wrote:Not a very useful site, IMO. I was expecting something that would take into account more than just the birthday and birthplace.

Try this one instead :
https://www.livingto100.com/


:( . . . . I would like to have seen Montana.
by Bustoff
Sun Mar 01, 2015 8:57 am
 
Forum: Personal Consumer Issues
Topic: How long will I l live? (mortality predictor)
Replies: 13
Views: 1353

Re: [Does anyone have comments on this growth model?]

OP is living only 50 miles away from Pebble Beach, CA on $42,000 per year ?

looking you are my hero!
by Bustoff
Sun Mar 01, 2015 6:37 am
 
Forum: Investing - Help with Personal Investments
Topic: [Does anyone have comments on this growth model?]
Replies: 14
Views: 886

Re: How long will I l live? (mortality predictor)

Anyone ever seen the "Sit and Rise Test" used as a predictor of all-cause mortality. http://discovermagazine.com/2013/nov/05-sit-down In a study published in the European Journal of Cardiology, more than 2,000 patients ages 51 to 80, all part of an exercise program at Clinimex Exercise Med...
by Bustoff
Sat Feb 28, 2015 6:40 pm
 
Forum: Personal Consumer Issues
Topic: How long will I l live? (mortality predictor)
Replies: 13
Views: 1353

Re: Retirement planning - Too soon for TIPS?

Thanks to advice from forum members, spouse and I just moved to a 60/40 asset allocation. We’re 10 years out from retirement (ages 38/45) and have a little over $1M invested. We have no mortgage/debt or future pensions (other than maybe SS at 70) that will be linked to inflation. I’ve read other th...
by Bustoff
Sat Feb 28, 2015 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning - Too soon for TIPS?
Replies: 23
Views: 1959

Re: Retirement - Surprises, Solutions

VictoriaF wrote:
Bustoff wrote:You might wake up some February morning and decide to drive down to Key West and not return until you feel like returning.


From Minnesota?

Victoria

I don't live in Minnesota. I may eat hot dogs, but I don't live in Minnesota. Not that there's anything wrong with that.
by Bustoff
Sat Feb 28, 2015 11:04 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3405

Re: Retirement - Surprises, Solutions

All kidding aside, at first there was some initial anxiety but that dissipated rather quickly. For a time when I first retired, I would catch myself operating as though time constraints were still in effect. I had to remind myself to slow down. But once you relax your landscape really begins to open...
by Bustoff
Sat Feb 28, 2015 10:52 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3405

Re: What are Costco's best deals?

Wish we had a Costco's here :( Wish we had Wegman's here :( ... and "Beef on Weck" Must be from the Buffalo, NY area! :sharebeer Your right. I miss it too. ... I stopped eating hot dogs. Why did you stop eating hot dogs? Is it the sodium? Is it the preservatives? Is it Victoria?
by Bustoff
Sat Feb 28, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 130
Views: 9600

Re: Retirement - Surprises, Solutions

I will be retiring in the next 14-16 months and have been doing a lot of research and soul searching ... ... I would like to hear any retirement changes and solutions that you encountered, especially from the emotional, time filling, things that really surprised you, etc... It's weird at first. Yes...
by Bustoff
Sat Feb 28, 2015 9:03 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3405

Re: Favorite chocolate candy

For me, Sees and Lindt taste the best. Godiva is the worst.
by Bustoff
Sat Feb 28, 2015 7:53 am
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 23
Views: 1264

Re: Safe Withdrawal Rate as it relates to Size of Portfolio

michaeldmck - these Vanguard tools may be helpful. How much can I withdraw in retirement? https://personal.vanguard.com/us/insights/retirement/withdrawal-in-retirement-tool Retirement nest egg calculator: https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.js...
by Bustoff
Sat Feb 28, 2015 7:37 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate as it relates to Size of Portfolio
Replies: 25
Views: 2493

Re: Safe Withdrawal Rate as it relates to Size of Portfolio

Does the size of the portfolio influence the chosen withdrawal strategy? For example, do safe withdrawals tend to change up or down if the portfolio is 10mil instead of 1mil? If you only have $1 million, spend some time reading about Safe Withdrawal Rates in the Wiki section. If you have $10 millio...
by Bustoff
Sat Feb 28, 2015 7:07 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate as it relates to Size of Portfolio
Replies: 25
Views: 2493

Re: Not "Staying the Course"

Below is just the first two months of the year. How can you not stay the course ? January 30, 2015 -- The S&P 500 index had its worst monthly performance in a year. February 27, 2015 -- The S&P 500 index had its best monthly performance since October 2011 January 30, 2015 -- U.S. Treasuries ...
by Bustoff
Sat Feb 28, 2015 6:44 am
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 36
Views: 3723

Re: Approaching 50...What to expect?

You will finally surrender to hair loss and cast out the temptation to begin corrective hair combing. I bought some barber clippers and cut my own hair now. I put the guard on the clippers and just start mowing -- which is exactly what the stylist at Great Clips was doing. It finally occurred to me ...
by Bustoff
Fri Feb 27, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 107
Views: 9655

Re: PBS NewsHour segment on Social Security

Look like it's time to head over to Amazon and spring for a copy of Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less Well, I hope you find the book helpful of course. I'm always happy to answer questions here or by email tho...
by Bustoff
Fri Feb 27, 2015 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 15
Views: 1741

Re: PBS NewsHour segment on Social Security

Both of us having had full working careers, I always figured the best strategy was for both of us to delay until 70. Wife is 2 years younger than me and we both have the roughly same benefit amounts. Then I tried the free Bedrock SS calculator mentioned in a couple other threads. I was surprised by...
by Bustoff
Fri Feb 27, 2015 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 15
Views: 1741

Re: What is your favorite consumer product?

My wife likes New Balance running shoes. When she heard that they were discontinuing her favorite model, she went online and found 42 pairs. Some remain, but they don't last forever even unused, so I guess she'll have to find some other model. http://i61.tinypic.com/33p4ndx.jpg The often quoted rul...
by Bustoff
Fri Feb 27, 2015 9:59 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 156
Views: 9022

Re: PBS NewsHour segment on Social Security

Both of us having had full working careers, I always figured the best strategy was for both of us to delay until 70. Wife is 2 years younger than me and we both have the roughly same benefit amounts. Then I tried the free Bedrock SS calculator mentioned in a couple other threads. I was surprised by ...
by Bustoff
Fri Feb 27, 2015 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 15
Views: 1741

Re: Old IRA statements: What should I keep?

I recently asked the same question in another thread. Vanguard site only displays the current and prior years IRA contributions. However, if you go to your specific Roth or Traditional IRA account holding you can search farther back under the transactions section. The irritating thing is Vanguard do...
by Bustoff
Fri Feb 27, 2015 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Old IRA statements: What should I keep?
Replies: 6
Views: 556

PBS NewsHour segment on Social Security

Last night on the PBS Newshour, Paul Solomon and Larry Kotlikoff presented a segment called, "Tricks and tips for getting the most from Social Security. The video segment and full transcript is available at the PBS website. http://www.pbs.org/newshour/bb/tricks-tips-getting-social-security/ . (...
by Bustoff
Fri Feb 27, 2015 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 15
Views: 1741

Re: What are Costco's best deals?

VictoriaF wrote:(Would not touch hot dogs or soda with a ten-foot poll.)

You might after a long day on the el Camino and no ten-foot pole. :happy
by Bustoff
Thu Feb 26, 2015 11:46 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 130
Views: 9600

Re: What is your favorite consumer product?

black jack wrote:TiVo DVR
Kirkland Super Extra-Large Peanuts
Kirkland frozen pineapple chunks
Sandisk Sansa Clip MP3 player

Bought a can of those Peanuts ... OMG, their ridiculous. Best ever!
by Bustoff
Thu Feb 26, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 156
Views: 9022

Re: Social Security for a Younger Spouse, Delay to 70 still

I found this free calculator, which recommended the delay for both of us. I did key in Life expectancy of 95 for both though. http://www.bedrockcapital.com/ssanalyze/ I'm wondering how the calculator is able to show $ benefits without entering any $ data? You enter your PIA monthly amount at the Fo...
by Bustoff
Wed Feb 25, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security for a Younger Spouse, Delay to 70 still good
Replies: 19
Views: 1623

Re: How much did you have saved up for retirement at age 30?

Zero. And it got worse because I went back to school and into debt.
by Bustoff
Wed Feb 25, 2015 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 168
Views: 11037

Re: Lucky, Now what?

A bigger boat, naturally.
by Bustoff
Wed Feb 25, 2015 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lucky, Now what?
Replies: 13
Views: 1497

Re: Guns for hunting/defense

Ithaca Model 37 Featherlite 16 gauge that was given to me by my grandfather.
It has remained unused in a closet for the last 35 years.
by Bustoff
Wed Feb 25, 2015 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 121
Views: 6029

Re: Which Car? struggling to decide

The commuter parking lot by me is filled with leased Range Rovers, Bimmers and Benz's. Man, when I see them pull up in their cool car in the morning, I just think to myself - there goes another $500, at the end of the year, that's $6K, three years from now it's $18K plus lost appreciation, they cou...
by Bustoff
Wed Feb 25, 2015 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 2784

Re: Thoughts on Chase for everyday banking

JPMorgan Chase plans to close 300 bank branches over the next two years, about 5 percent of the total, as more customers move online and the bank seeks to cut costs.
by Bustoff
Wed Feb 25, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 28
Views: 1878

Re: What are Costco's best deals?

joe8d wrote:Wish we had a Costco's here :(

Wish we had Wegman's here :(

... and "Beef on Weck"
by Bustoff
Wed Feb 25, 2015 10:16 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 130
Views: 9600

Re: A case for long term government bonds

ogd and Kevin - thank you very much for your explanations as well as the links.
by Bustoff
Tue Feb 24, 2015 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3076

Re: Please help a recovering paper-statement horder.

I keep a screenshot (actually a print to PDF) of the online confirm ... That's something I'm not familiar with but will definitely check out. Thanks. Let's say you just made a trade on Vanguard and you land on the page that displays the confirmation. In your browser, go to print that page. However,...
by Bustoff
Tue Feb 24, 2015 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help a recovering paper-statement horder.
Replies: 21
Views: 1155

Re: Please help a recovering paper-statement horder.

jebmke wrote:I keep a screenshot (actually a print to PDF) of the online confirm ...

That's something I'm not familiar with but will definitely check out. Thanks.
by Bustoff
Tue Feb 24, 2015 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help a recovering paper-statement horder.
Replies: 21
Views: 1155

Re: Please help a recovering paper-statement horder.

1.I see no need to save paper confirmations as Vanguard keeps them stored on their servers. 2.I would suggest saving all files in pdf.form to your laptop and back them up if you like to a storage device or Google Drive 3.Is there anything else I should consider keeping? Speaking for myself only ,If...
by Bustoff
Tue Feb 24, 2015 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help a recovering paper-statement horder.
Replies: 21
Views: 1155

Re: Please help a recovering paper-statement horder.

Bustoff, When you say "download file" I assume you mean PDF files since that is the native format used for Vanguard statements. You should save them as PDF files since PDF files are universally compatible. Also you will save yourself the headache of converting them into Word documents. It...
by Bustoff
Tue Feb 24, 2015 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help a recovering paper-statement horder.
Replies: 21
Views: 1155

Re: Please help a recovering paper-statement horder.

I know nothing about setting up an Excel file. That's another project.
Right now I need to start saving the statements on the computer. Should the statements be saved as a download file or a word document?
by Bustoff
Tue Feb 24, 2015 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help a recovering paper-statement horder.
Replies: 21
Views: 1155

Re: A case for long term government bonds

Kevin - Thank you for that helpful explanation.
So when those longer term rates dropped so much during January, is it a mistake to attribute that drop in rates to investors buying those bonds?
by Bustoff
Tue Feb 24, 2015 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3076

Please help a recovering paper-statement horder.

Due to laziness, I have accumulated many years of Vanguard statements. The file cabinet is now bursting at the seams and I need to take action. My thought was to retain copies of confirmations for positions I still hold and throw everything out. Is there anything else I should consider keeping? One ...
by Bustoff
Tue Feb 24, 2015 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help a recovering paper-statement horder.
Replies: 21
Views: 1155

Re: Why Bonds With 20 Year Horizon?

For savings with a 20+ year horizon (i.e. I'm 35 and plan to retire at 65) why own any bonds? From the 1920s until today I haven't found a 20 year period where bonds beat stocks. Seems INCREDIBLY likely that stocks will beat bonds over any 20 year period in the next 50 years. This is assuming I can...
by Bustoff
Tue Feb 24, 2015 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why Bonds With 20 Year Horizon?
Replies: 26
Views: 1980

Re: Risk--Again. The common stepping stone

Randomness might be another way to talk about risk. In reviewing Mandelbrot's book, The Misbehavior of Markets: A Fractal View of Financial Turbulence , Taleb reflected upon Mandelbrot's message about risk and offered this analogy: ... If you save people in the process of drowning you are considered...
by Bustoff
Tue Feb 24, 2015 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Risk--Again. The common stepping stone
Replies: 55
Views: 2913

Re: A case for long term government bonds

Novice question here. Can anyone explain why has so much money gone into long term bonds despite the Fed expressing its intent to tighten? Since 12/31/13, the 10 year rate dropped from 3% down to 1.67% earlier this month and the 30 year dropped to 2.25%. Who is buying all these low-yielding long ter...
by Bustoff
Tue Feb 24, 2015 10:09 am
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3076

Re: Documentaries to recommend?

abuss368 wrote:I mentioned on another post: Inside Job - Executive Producer is the owner of the Philadelphia Eagles Jeffery Lurie. Matt Damon is the narrator. About the financial crisis being 30 plus years in the making. Really good!

+1
Still have it on the DVR.
by Bustoff
Mon Feb 23, 2015 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 127
Views: 14872

Re: Aprilaire Humidifer - won't get above 22%

We've never had a humidifier in the past but decided to have one installed with a new furnace. It's an Aprilaire 600M. Must be the cheapo version because there is no display for the the humidity level. I had it set at 35 but the windows started icing up as the temps dropped to low teens. Surprised t...
by Bustoff
Mon Feb 23, 2015 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 809

Re: Vanguard's New Index Fund of Municiples

Just saw this in a Kiplinger post. In January, the firm announced plans for its first municipal bond index fund. To be more precise, Vanguard introduced two versions of the same product: Tax-Exempt Bond Index, a mutual fund version, and Tax-Exempt Bond ETF, an exchange-traded fund. The funds will tr...
by Bustoff
Mon Feb 23, 2015 11:46 am
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 7087

Re: Sequence of Returns Risk

longinvest wrote:I invite you to put "VPW" in the search box and learn about previous work on this subject.

Your contribution on this is amazing. I wish I understood how to work it. You obviously put an enormous effort into it.
by Bustoff
Sun Feb 22, 2015 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Sequence of Returns Risk
Replies: 9
Views: 728

Re: On line product reviews vs Consumers Reports

Have been a Consumer Reports subscriber for years. Until recently I subscribed to both the magazine and the online site. We cancelled our online subscription because they no longer make it worthwhile to have both. On the plus side, CR's cover story usually provides a good overall picture of the adva...
by Bustoff
Sun Feb 22, 2015 11:48 am
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2564

Re: Social security strategy with wide age gap between spous

Social security is not really part of our retirement planning at this point but my assumption is that it would make the most sense for older spouse to claim whatever maximum benefits he can claim at age 70 and then for younger spouse to follow and claim her maximum when she reaches 70. If we don't ...
by Bustoff
Sun Feb 22, 2015 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Social security strategy with wide age gap between spouses?
Replies: 18
Views: 1576

Re: Social security strategy with wide age gap between spous

Social security is not really part of our retirement planning at this point but my assumption is that it would make the most sense for older spouse to claim whatever maximum benefits he can claim at age 70 and then for younger spouse to follow and claim her maximum when she reaches 70. If we don't ...
by Bustoff
Sun Feb 22, 2015 10:22 am
 
Forum: Investing - Theory, News & General
Topic: Social security strategy with wide age gap between spouses?
Replies: 18
Views: 1576
Next

Return to advanced search