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Re: Vanguard target fund vs age in bonds

retiredjg wrote:... If you want to use a target date fund, you should find the fund that has the stock to bond ratio you want. Ignore the date in the name.

+1 ... and hopefully that ratio is based on your ability, willingness and need to take risk.
by Bustoff
Thu Mar 26, 2015 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard target fund vs age in bonds
Replies: 8
Views: 364

Re: Best Bank for Checking Account

midareff wrote:
CyberBob wrote:Ally
No fees, great rates, all the newfangled features like mobile check deposit and Popmoney payments.


+1 ... free checks, reimbursed ATM charges, 24/7 service line, great rates on savings (.99%) and money market (.85%) deposits.

+2 ... same as above.
by Bustoff
Wed Mar 25, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2494

Re: COBRA vs ACA

I'm thinking of retiring early, and wondering about health insurance coverage. ... Anyone else faced with the COBRA-vs-ACA decision? How did you choose? ACA was not in effect when I retired. I paid $570 a month for COBRA. The following year I wised-up and bought an HDHP policy for $320 a month (wit...
by Bustoff
Sun Mar 22, 2015 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2081

Re: Why I don't file early

I hear the later you file the less likely you are to be audited. Best to file an extension I believe. I've also heard this. The version I heard was that IRS employees have an annual audit quota that they want to satisfy asap. More likely that early filers are getting refunds whereas late filers owe...
by Bustoff
Sat Mar 21, 2015 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Why I don't file early
Replies: 35
Views: 3335

Re: What Movie Have You Recently Watched?

A bunch of us watched Whiplash last night.

All six of us agreed on the rating: :thumbsdown :thumbsdown :thumbsdown :thumbsdown :thumbsdown :thumbsdown
by Bustoff
Sat Mar 21, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 654
Views: 85127

Re: Anyone dropping Kaspersky computer security?

Avast suggests disabling access to your router from the Internet. They also claim that if you use the default password in your router, everyone can access your router. https://blog.avast.com/2014/11/11/how-to-disable-access-to-your-router-from-the-internet/

Is this overkill?
by Bustoff
Sat Mar 21, 2015 8:40 am
 
Forum: Personal Consumer Issues
Topic: Anyone dropping Kaspersky computer security?
Replies: 29
Views: 2996

Re: IBonds - now or later in the year?

I bought my 2015 allocation in January, not seeing any point in trying to outguess the Treasury. The sooner you buy, the sooner you get past the twelve-month waiting period before you can access the money again. To put it another way, to me the main benefits of I bonds are safety and liquidity. A f...
by Bustoff
Fri Mar 20, 2015 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: IBonds - now or later in the year?
Replies: 11
Views: 1022

Re: Dip? What Dip? Did you catch it?

john94549 wrote:It is weird. My Schwab is up. Seriously, when Mr. Market is waaaaay up, should we buy a chunk of SPXU?

Done twice, might I add.

I have a "mad money" account at Schwab. It satisfies my gambling/speculation urges.

Those leveraged ETF's can be fun, but they can go wrong real quick.
by Bustoff
Fri Mar 20, 2015 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10230

Re: Anyone switch to non-branch banking?

We finally kicked Bank of America to the curb this month. Ally has been working out very well.
by Bustoff
Thu Mar 19, 2015 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 57
Views: 5442

Re: Where is Larry Swedroe

Larry is still tweeting. That's a good sign.

https://twitter.com/larryswedroe
by Bustoff
Thu Mar 19, 2015 8:00 am
 
Forum: Investing - Theory, News & General
Topic: Where is Larry Swedroe
Replies: 18
Views: 4068

Re: Is this Investing or Speculating?

Hi Bogleheads, If you consider the valuations of a broad region, for example VGK (Europe), and came to the conclusion that it's undervalued compared to other regions and its own history, then decide to overweight it, is that investing or is that a bet? *Yes, it would be a brilliant investment! *Ass...
by Bustoff
Thu Mar 19, 2015 7:56 am
 
Forum: Investing - Theory, News & General
Topic: Is this Investing or Speculating?
Replies: 24
Views: 1976

Re: "Assessing the Risk of Using Just One Fund Company.."

Thank's for posting Taylor!

Either way, I'm not gonna worry about it.
I'll leave the worrying to things that are more likely to happen--like being killed or maimed by some idiot driving while texting. We have been rear-ended by yutes (sorry, youths) two times in last three years.
by Bustoff
Thu Mar 19, 2015 7:43 am
 
Forum: Investing - Theory, News & General
Topic: "Assessing the Risk of Using Just One Fund Company.."
Replies: 18
Views: 2733

Re: What internet speed is fast enough?

I switched from U-verse Internet Max Plus 24 Mbps to Charter 100 Mbps. I did not notice any difference. I have two services: 1. 100Mbps down and 10 Mbps up. 2. 20Mbps down and 0.5Mbps up. Under normal conditions there is very little difference between the two. I am able to stream two movies simulta...
by Bustoff
Wed Mar 18, 2015 11:09 am
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4380

Re: What's a good digital antenna?

I made one based on the leaf antenna. No hangers. You just need some aluminum foil. The instructions provide a printable template. Took about ten minutes to make it. Works like a champ. http://www.htpc-diy.com/2012/04/diy-flexible-fractal-window-hdtv.html http://3.bp.blogspot.com/-vQuQeScIo9c/T9lbvS...
by Bustoff
Wed Mar 18, 2015 10:36 am
 
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2083

Has health coverage under ACA affected investment decisions?

We retired in our late fifties and now have health care coverage under the Affordable Care Act. Thus far it has been a great benefit. But it has also made some investing decisions less clear cut. Anyone else experiencing this? If you have health care coverage through the exchanges, did the ACA incom...
by Bustoff
Wed Mar 18, 2015 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Has health coverage under ACA affected investment decisions?
Replies: 2
Views: 494

Re: 3 questions on tax deferred accounts

I find it hard to settle on the A/A. Now it's 44/55, then a day later I think well, what about 60/40. (before, I was more like 40/60). You may find these links helpful, if you have not already seen them. https://personal.vanguard.com/us/FundsInvQuestionnaire http://www.bogleheads.org/wiki/Asset_all...
by Bustoff
Wed Mar 18, 2015 6:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 questions on tax deferred accounts
Replies: 4
Views: 726

Re: Social Security Website's "Online Calculator"

If you stopped working before 62, the calculator uses 62 as the date you would start benefits. So if you wanted to figure out your FRA benefit you would divide that number by .7 (assuming a FRA of 67). If you delayed to age 70 you would then multiply the FRA benefit by 1.24. For instance. Assuming ...
by Bustoff
Tue Mar 17, 2015 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Website's "Online Calculator"
Replies: 8
Views: 753

Re: Social Security Website's "Online Calculator"

The Social Security Online Calculator "retirement benefit" matches my benefit for the specific "Age at retirement" entered: Current, FRA or 70 years, with "Today's dollars" selected. Since it only gives you one benefit amount for each calculation, you have to enter dif...
by Bustoff
Tue Mar 17, 2015 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Website's "Online Calculator"
Replies: 8
Views: 753

Re: Social Security Website's "Online Calculator"

The second line that you fill out for the calculator is "Age at Retirement" with the description "Enter the age in years and months at which you plan to stop working. Your earnings are assumed to stop at that age." Yes, you're absolutely correct. Thank you. I entered the age I r...
by Bustoff
Tue Mar 17, 2015 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Website's "Online Calculator"
Replies: 8
Views: 753

Social Security Website's "Online Calculator"

When using the Social Security "Online Calculator", and after entering your earnings history, it provides an estimate labeled "Your monthly retirement benefit". I'm using the Online Calculator, not the Detailed Calculator. I'm trying to determine if that result is for age 62 or F...
by Bustoff
Tue Mar 17, 2015 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Website's "Online Calculator"
Replies: 8
Views: 753

Re: Shiller - How Scary Is the Bond Market?

Not as scary as the stock market.

OTOH, from May 2013 to Sept. 2013, Total Bond Market fund fell 6%. It took one year for TBM investors to recover losses.
by Bustoff
Tue Mar 17, 2015 9:26 am
 
Forum: Investing - Theory, News & General
Topic: Shiller - How Scary Is the Bond Market?
Replies: 29
Views: 4368

Re: Annuity -SPIA

I think the return on 5-year CD's is higher than the IRR on a joint survivor SPIA starting at age 62.
by Bustoff
Mon Mar 16, 2015 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Annuity -SPIA
Replies: 9
Views: 712

Re: Should I change Asset Allocation to a more conservative

If it were me, I wouldn't pay capital gains tax to be more conservative, but if I wanted to reduce risk faster, I would start redirecting stock dividends and all my fresh savings to bonds. + 1 In that article Roth also said: "Sticking to an asset allocation forced me to buy stock funds in 2009...
by Bustoff
Mon Mar 16, 2015 7:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I change Asset Allocation to a more conservative mix
Replies: 20
Views: 1926

Re: Kotlikoff: When Should you Take Social Security?

Go ahead and try the calculator I linked to. It's free and only takes 5 minutes. However, Kotlikoff says, "A good strategy for married couples is for one spouse to file at 62 and then immediately suspend it . The other spouse files for a spousal benefit and can collect half of the other’s reti...
by Bustoff
Mon Mar 16, 2015 6:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 220
Views: 19533

Re: Kotlikoff: When Should you Take Social Security?

Go ahead and try the calculator I linked to. It's free and only takes 5 minutes. I tried the Bedrock calculator and it gave me a strategy I did not understand. Wife is 3 years younger and has the higher PIA. The calculator suggested the best plan was for the wife (younger and higher PIA) start coll...
by Bustoff
Sun Mar 15, 2015 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 220
Views: 19533

Re: Worried about neighbor's tree damaging my property

Talk to the trustee in your subdivision. Try to get the subdivision to pay for the removal or trimming.
by Bustoff
Sat Mar 14, 2015 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Worried about neighbor's tree damaging my property
Replies: 16
Views: 1873

Re: Thoughts on my plan for investing home sale proceeds?

... plan to purchase real estate ... in the next 2 to 4 years ... ... would likely use most, if not all, of the proceeds ... ... $240K is a lot to have just sitting around in a savings account these days, but it makes me feel comfortable... I would keep it liquid. Sure it's low return, but it's onl...
by Bustoff
Sat Mar 14, 2015 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my plan for investing home sale proceeds?
Replies: 1
Views: 255

Re: ideal bond allocation

I have a mix of the following. Not the result of any strategy ... just ended up that way.

Stable Value in 401(k)
Vanguard Total Bond
Vanguard Short-Term Investment Grade
CD's

Oh yeah, I use Vanguard REIT Index Fund in my Roth.
by Bustoff
Sat Mar 14, 2015 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: ideal bond allocation
Replies: 7
Views: 1114

Re: What internet speed is fast enough?

I switched from U-verse Internet Max Plus 24 Mbps to Charter 100 Mbps. I did not notice any difference.
by Bustoff
Fri Mar 13, 2015 12:09 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4380

Re: U.S. stocks in freefall

Too soon ?
by Bustoff
Fri Mar 13, 2015 10:34 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1225
Views: 229620

Re: LifeStrategy Moderate Growth vs Separate funds

Total int'l bond (VTABX) should read 7.8% .
by Bustoff
Fri Mar 13, 2015 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Moderate Growth vs Separate funds
Replies: 38
Views: 2955

Re: Dip? What Dip? Did you catch it?

I thought RBD was the abbreviation for Re Balance Day.
by Bustoff
Fri Mar 13, 2015 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10230

Re: Dip? What Dip? Did you catch it?

I grabbed some VTI at the close Wednesday then went to the range to hit some wedges. Started shanking my wedge and couldn't stop.
by Bustoff
Fri Mar 13, 2015 6:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10230

Re: $600 night guard for teeth grinding, really?

Didn't want to pay $500 for the dentist guard so I got an OTC product called Dr. Brux. I hate because it's so bulky it feel like you have a tire in your mouth.
Are there any comfortable OTC versions?
by Bustoff
Fri Mar 13, 2015 6:13 am
 
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 5587

Re: Retirement Dreams on the Water

There are some fascinating blogs about cruising the Great Loop.
by Bustoff
Tue Mar 10, 2015 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Retirement Dreams on the Water
Replies: 17
Views: 2943

Re: Will you buy an Apple Watch?

No way.
by Bustoff
Tue Mar 10, 2015 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 318
Views: 15852

Re: Bernstein: 2% investment returns over next 20 years

Vanguard Capital Markets Model simulations for nominal ten-year returns of a global equity portfolio are centered in the 5%–8% range. VCMM simulations indicate that the average annualized returns of a 60% equity/40% bond portfolio for the decade ending 2024 are expected to center in the 3%–5% real-r...
by Bustoff
Tue Mar 10, 2015 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22762

Re: Protecting pension

Each year I purchase i-bonds in an amount equal to my annual pension.
by Bustoff
Tue Mar 10, 2015 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Protecting pension
Replies: 15
Views: 1034

Re: Bernstein: 2% investment returns over next 20 years

Looks like it's gonna tougher to find space under bridges for all that Alpo eating. The Boglehead conferences will still be first class though. https://catherinesherman.files.wordpress.com/2011/09/dsc_0357.jpg?w=500&h=334 https://catherinesherman.files.wordpress.com/2011/09/dsc_0391.jpg?w=500&am...
by Bustoff
Tue Mar 10, 2015 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22762

Re: How to create a 3% return portfolio?

What % of assets are you now withdrawing to pay living expenses?

https://personal.vanguard.com/us/insigh ... -worksheet
by Bustoff
Tue Mar 10, 2015 6:36 am
 
Forum: Investing - Help with Personal Investments
Topic: How to create a 3% return portfolio?
Replies: 52
Views: 5465

Re: How to create a 3% return portfolio?

Really difficult to estimate returns for a traditional stock/bond portfolio. This is Vanguards guess :

Image
https://personal.vanguard.com/us/insights/investingtruths/investing-truth-about-risk
by Bustoff
Tue Mar 10, 2015 5:10 am
 
Forum: Investing - Help with Personal Investments
Topic: How to create a 3% return portfolio?
Replies: 52
Views: 5465

Re: Schwab Intelligent Portfolios is live

Wow! Regarding the graphic posted above , Schwab is showing a negative correlation between "Treasuries" and all of their equity categories listed. Around here, just hinting that treasuries might occasionally show negative correlations with stocks can get you raked over the coals. Do you t...
by Bustoff
Mon Mar 09, 2015 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 255
Views: 17895

Re: Schwab Intelligent Portfolios is live

My rec was:
Stocks 37%
Fixed Income 47.25%
Cash 13.75%
Gold 2%
by Bustoff
Mon Mar 09, 2015 9:05 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 255
Views: 17895

Re: How long did you stay in your starter home?

Still there after 23 years.
by Bustoff
Mon Mar 09, 2015 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4594

Re: stress management tips?

Mental and physical activity always worked for me.
Prior to retirement, I made a point of doing something after work like rollerblading, going for a run, or hitting a bucket of balls at the range.
by Bustoff
Sun Mar 08, 2015 11:05 am
 
Forum: Personal Consumer Issues
Topic: stress management tips?
Replies: 19
Views: 1645

Re: What Book Are You Currently Reading? Part VI

The Misbehavior of Markets: A Fractal View of Financial Turbulence, by Benoit Mandelbrot and Richard L. Hudson. I have only finished the first chapter. Mandelbrot's basic thesis is we have been mis-measuring risk -- that the markets are much riskier than what is proposed by standard financial theor...
by Bustoff
Sun Mar 08, 2015 9:21 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 550
Views: 76156

Re: Turbo Tax--where to buy?

You might try calling them. I was getting ready to switch from TurboTax over to TaxAct. I called TurboTax and they ended up giving me a download edition of Premier free of charge. I was happy about that. However, when I started importing documents from my financial institutions, my userID's were sho...
by Bustoff
Fri Mar 06, 2015 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax--where to buy?
Replies: 4
Views: 433

Re: 5-year CDs

I have recommended a five-year ladder of five-year CDs for quite some time. Problem is, most folks lack the patience, and want to build a ladder with a 1, 2, 3, 4 and 5-year. Which defeats the purpose, so to speak. The point is to buy a 5-year this year. Then, take a breath, buy another 5-year next...
by Bustoff
Fri Mar 06, 2015 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 5-year CDs
Replies: 22
Views: 2607

Re: If you have $1 million...

Very topical for me as we have been stuck with only one car for a while now. We have always bought new and drive them for at least 10 years. Have thought about buying used, but the way CPO's are priced I would rather spend the extra do-re-mi and get a new sled.
by Bustoff
Fri Mar 06, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6234

Re: Reporting Foreign Tax Credit for Total International (VT

Thanks to everyone's replies, I went back to have another look at the forms and got the answer. Turns out what I thought was Form 1116 was actually its worksheet. :oops: But then on the worksheet I noticed a tab that said, "QuickZoom to a copy of Form 1116". Clicking on that tab allows the...
by Bustoff
Fri Mar 06, 2015 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Reporting Foreign Tax Credit for Total International (VTIAX)
Replies: 8
Views: 443
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