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Re: Southwest Airlines Engulfing, Reversal Candle Signals Do

avalpert wrote:Did someone take a wrong turn on the internet superhighway?


good one :D
by Bustoff
Mon Sep 22, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downsi
Replies: 25
Views: 1190

Biggest discretionary expense in retirement?

When the market underperforms, discretionary spending may need to be reduced for some of those in retirement.

What is your biggest discretionary expense in retirement ?
by Bustoff
Mon Sep 22, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 9
Views: 713

Re: Novaform Mattresses at Costco

Didn't get it from Costco, but my latex mattress works great for my bad back. Have had it for around 7 years and no deterioration in support or comfort.
by Bustoff
Mon Sep 22, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Novaform Mattresses at Costco
Replies: 6
Views: 716

Re: Why is there no mutual fund that truly behaves like rent

The TIAA-CREF real estate fund sounds a lot like what you describe. But a garden variety REIT funds should also do the trick. Owning a REIT funds "feels" more risky than owning a house and renting it out. But that's just because a REIT funds is being "appraised" on a daily basis...
by Bustoff
Mon Sep 22, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Why is there no mutual fund that truly behaves like rental?
Replies: 36
Views: 2368

Re: Good article on style premium investing & AQR new fund

Great. More input designed to make me think investing should not be simple. No input, or information, can "make you think" anything. What you think is entirely your choice. So you made a choice to ignore the word "designed". But thanks anyway for the Deepak Chopra moment.
by Bustoff
Mon Sep 22, 2014 9:07 am
 
Forum: Investing - Theory, News & General
Topic: Good article on style premium investing & AQR new fund
Replies: 84
Views: 7604

Re: Consistent Yield & Duration to Help Choose TIPS Fund

stevewolfe wrote:#Cruncher it's been a while that you've been maintaining this post faithfully for the benefit of the community on a monthly basis and I wanted to say thank you for doing that as this is very informative! :beer

+1
Helped me with the ladder process.
by Bustoff
Mon Sep 22, 2014 8:04 am
 
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 41
Views: 6404

Re: What evidence would prove the Boglehead mentality wrong?

Some evidence proving the Boglehead philosophy right. Passive Investing: The Evidence - full length film A remarkable 54 minute film featuring some of the world's top economists and academics and demonstrating: - how the claims of active fund managers to be able to beat the market are largely a myth...
by Bustoff
Sun Sep 21, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 109
Views: 7289

Re: Good article on style premium investing & AQR new fund

Great. More input designed to make me think investing should not be simple.

When it comes to investing, you can do any fancy dive you want, it's just a foot of water.
by Bustoff
Sun Sep 21, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Good article on style premium investing & AQR new fund
Replies: 84
Views: 7604

Re: Total bond index or 5 yr CD?

The outcome from the CD is $11,204.13. It does not depend on any future state of the world, such as future interest rates. But you are definitely not guaranteed to get the SEC yield. +1 Being retired, my gambling days are over. I want as much guaranteed income as possible. My risk is taken on the e...
by Bustoff
Sun Sep 21, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 36
Views: 2608

Re: Critique my thoughts on Real Estate Investing

You are extremely late to the game. The rebound in many real estate markets has been due to investors who have the same idea as you. They have already grabbed up underpriced properties. It is hard to succeed in residential real estate if you have to pay premiums for the property. Talk about over-br...
by Bustoff
Sun Sep 21, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Critique my thoughts on Real Estate Investing
Replies: 17
Views: 1089

Re: Critique my thoughts on Real Estate Investing

In the mid-west you can buy nice SFH's for $65,000. That's only a $17,000 down payment (if you need the loan at all).
Typical rent on a house like that is $800/mo. or $9600 per year.
You do the math.
by Bustoff
Sun Sep 21, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Critique my thoughts on Real Estate Investing
Replies: 17
Views: 1089

Re: Total bond index or 5 yr CD?

The outcome from the CD is $11,204.13. It does not depend on any future state of the world, such as future interest rates. But you are definitely not guaranteed to get the SEC yield. +1 Being retired, my gambling days are over. I want as much guaranteed income as possible. My risk is taken on the e...
by Bustoff
Sun Sep 21, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 36
Views: 2608

Re: Total bond index or 5 yr CD?

I wouldn't get the CD because I like total bond market index. I believe that it is not only about yield, but also about the change in NAV or if you like: total return. I sell total bond index shares when the NAV goes up in a rebalancing move. If I only want to earn 2.3%, then I buy a short-term bon...
by Bustoff
Sun Sep 21, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 36
Views: 2608

Re: Buying a ski condominium

My analysis indicates that by renting the condo out for Christmas/New Years, MLK weekend and Presidents Week and perhaps one or two other weekends we will cover our yearly overheard and have many long weekends left for personal use. I would absolutely not make a vacation condo purchase if rental in...
by Bustoff
Sun Sep 21, 2014 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a ski condominium
Replies: 22
Views: 2562

Re: Proposed: 35% Maximum Bond Allocation, For Life

A 2.3% withdrawal from assets, if we invest largely per ability & need for risk, should call for the reverse 35/65 AA. I agree with Landy. Otar's calculations support the lower equity allocation as well. Note in below chart that 40% equity allocation at 3% WR for 40 years produced the highest s...
by Bustoff
Sat Sep 20, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 37
Views: 3729

Re: Why is there no mutual fund that truly behaves like rent

The Wizard wrote:Yes, we discuss TREA a lot on that forum.
But it's not available to the general public, so probably not worth discussing too much here.

Is the same true (not available to the general public) for the TIAA traditional annuity products?
by Bustoff
Sat Sep 20, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Why is there no mutual fund that truly behaves like rental?
Replies: 36
Views: 2368

Re: Why is there no mutual fund that truly behaves like rent

The TIAA-CREF real estate fund sounds a lot like what you describe. But a garden variety REIT funds should also do the trick. Owning a REIT funds "feels" more risky than owning a house and renting it out. But that's just because a REIT funds is being "appraised" on a daily basis...
by Bustoff
Sat Sep 20, 2014 8:06 am
 
Forum: Investing - Theory, News & General
Topic: Why is there no mutual fund that truly behaves like rental?
Replies: 36
Views: 2368

Re: Best investment for 5 (ish) year time horizon?

smdewart wrote:Hi - what's your take on where I should invest a good amount of cash -- around $250,000 -- with a time horizon of 5-7 years?


with a time horizon of 5-7 years?

30% Equities
70% Intermediate Term Bonds or 5-year CD's
by Bustoff
Sat Sep 20, 2014 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Best investment for 5 (ish) year time horizon?
Replies: 3
Views: 590

Re: Are SPIA's fairly priced? - A quick and dirty analysis

orlandoman wrote:This topic can be talked to death without any resolution.

+1

If you truly need a SPIA are you really going to choose not to buy one if it's not "fairly priced".
by Bustoff
Fri Sep 19, 2014 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 75
Views: 3328

Re: When did you feel "Out of the Woods"?

When I kept hearing about people my age dying or being stricken with life altering illnesses.
by Bustoff
Fri Sep 19, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 4926

Re: What's the riskiest Bogleheadish asset?

cfs wrote:On this side of the keyboard.

I just took a look at the mirror and found the riskiest asset--on this side of the keyboard the riskiest asset is this writer.

Thanks for reading.

+1
Investing is like like talking about sex.
You can do any fancy dive you want, it's just a foot of water.
by Bustoff
Fri Sep 19, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: What's the riskiest Bogleheadish asset?
Replies: 81
Views: 7061

Re: How to best adjust asset allocation as years pass

There many approaches and theories about asset allocation glidepaths. But even the so-called experts can't agree on the best approach.
All the studies do agree however that allocations matter very little compared to ones withdrawal rate and sequence of returns.
by Bustoff
Fri Sep 19, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to best adjust asset allocation as years pass
Replies: 21
Views: 1770

Re: Retirees: did you calculate the cost of health care pri

I'm hoping to retire in 5 years, which on one hand will be great. I'll only be 59 and god willing still healthy. on the other hand I've got almost 10 years of paying for my health care on my own. So starting my research on the cost of private health care. I currently have health insurance through m...
by Bustoff
Fri Sep 19, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Retirees: did you calculate the cost of health care prior.
Replies: 4
Views: 341

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

One of the Lexus dealers here currently shows one CPO RX 350, AWD, (no nav), with 53,000 mi. for sale at $33,940 Edmunds TMV on that unit is $28,814. That is high in NJ where my dealer has 3 branches within a 30 mile radius. My 2012 CPO w/o navigation out the door for $32,500 (couple minor scratche...
by Bustoff
Fri Sep 19, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 58
Views: 3480

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

livesoft wrote:You should probably look up what "TrueCar Certified" means. I think you might be surprised at first, but afterwards you should understand why a Lexus dealer does not participate in the TrueCar program.

It would have been very nice of you to simply share that information in your reply?
by Bustoff
Fri Sep 19, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 58
Views: 3480

Re: Help with retirement advise for my parents

For the c. $500k that is not invested in real estate, I would think about using it to max out Roth IRAs each year. What they consider "retirement" doesn't really matter -- they are going to be generating real estate income throughout the rest of the lives, so they'll be eligible to contri...
by Bustoff
Fri Sep 19, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement advise for my parents
Replies: 8
Views: 694

Re: Left tail portfolio - 70% bonds. Good idea?

... And often what happens is that it's the short end of the curve to the middle part that does poorly when rates rise, not the long end. In fact that's what happened in last year. Larry Why is that ??? If the shorter end does poorly as Larry points out, why does all the advice regarding "risi...
by Bustoff
Fri Sep 19, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: Left tail portfolio - 70% bonds. Good idea?
Replies: 38
Views: 3131

Re: Longevity Insurance now allowed in IRA/401k/etc.

This is an older thread from July but I just heard about this Treasury rule. I just wanted to confirm that the new ruling does not allow this for SPIA's or immediate annuities. I did not see any reference to them in the Treasury announcement. Does anyone have any idea ? A QLAC is just a deferred an...
by Bustoff
Fri Sep 19, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 105
Views: 6072

Re: House broken into--please help

My daughters house has was ransacked. 3 computers stolen along with jewelery etc and passport. What do we do? Have notified bank, credit card and brokerage. Police suggested SS office since ## is now out there. I also suggested credit freeze with bureaus-should it be all 3??. Any suggestions will b...
by Bustoff
Fri Sep 19, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2271

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

... You can look up for free the carfax reports on the cars before you go. Look at truecar.com, edmunds.com, kbr.com, etc. ... Have always liked the RX 350 . Prompted by livesoft's older RX post, I started to shop. I discovered that we can not get Lexus RX 350 pricing reports from these sources. Fo...
by Bustoff
Fri Sep 19, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 58
Views: 3480

Re: Longevity Insurance now allowed in IRA/401k/etc.

skepticalobserver wrote:It's important to calculate the IRR on deferred annuities. Although the payout may look good, the IRR for the deferral period may be ridiculously low compared with fixed income alternatives.


I'm assuming you are not responding to the above question I just posted.
by Bustoff
Thu Sep 18, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 105
Views: 6072

Re: Longevity Insurance now allowed in IRA/401k/etc.

This is an older thread from July but I just heard about this Treasury rule.

I just wanted to confirm that the new ruling does not allow this for SPIA's or immediate annuities. I did not see any reference to them in the Treasury announcement. Does anyone have any idea ?
by Bustoff
Thu Sep 18, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 105
Views: 6072

Re: Retiree Next Door

We have been retired a few years and we have more now than when we first retired.
It's certainly not because of any investment skill on my part. In fact every investment instinct or decision I have ever made has been wrong.
by Bustoff
Thu Sep 18, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4343

Re: What's in your tax advantage accounts?

IRA is Wellesley, Short-Term Invst Grade, Total Bond 401K is Stable Value Roth is REIT I also have some GE stock in a rollover IRA. It's been there forever and I really can't remember how it ended up there. It's been a real laggard but it pays a decent dividend. I should probably sell it and make r...
by Bustoff
Thu Sep 18, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 47
Views: 2801

Re: Costco:is it worth it for just two people?

We were in Costco yesterday buying a bunch of things. As we passed by one of the ladies handing out samples she asked my wife, "Don't you want to try a sample of our gluten-free bagels?" My wife went back for the sample and in an attempt to be nice said, thank you for feeding me. The sampl...
by Bustoff
Thu Sep 18, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11042

Re: Meetings over the lunch hour, taboo?

Why can't you simply tell them you have a conflict that day but would be happy to meet with them after 5pm. Then see how urgent they feel about a meeting when it's on their time. You could have even more free time when the customer dumps you. During an entire career I never experienced, or even hea...
by Bustoff
Thu Sep 18, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 3855

Re: Holding Cash because Tried to time Market

The Larry Swedroe article I linked to above was only one part of a four-part article.
Use this link for all four parts of his article.
Ability, Willingness and Need
by Bustoff
Thu Sep 18, 2014 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6126

Re: An Efficient Frontier for Retirement Income

There are numerous threads on this approach.
For instance see : http://www.bogleheads.org/forum/viewtopic.php?f=10&t=103191
by Bustoff
Thu Sep 18, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: An Efficient Frontier for Retirement Income
Replies: 4
Views: 699

Re: Holding Cash because Tried to time Market

So, I have a lot of cash on sidelines and fear entering the market thinking that a bear market will occur at any time. I don't need this cash for at least 10-20 years. As an exercise, ask yourself at what level of market correction you would commit all your cash to stocks? In other words, if there ...
by Bustoff
Thu Sep 18, 2014 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6126

Re: Meetings over the lunch hour, taboo?

Why can't you simply tell them you have a conflict that day but would be happy to meet with them after 5pm.
Then see how urgent they feel about a meeting when it's on their time.
by Bustoff
Thu Sep 18, 2014 6:05 am
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 3855

Re: Vanguard's Website - Bad, or just me?

Anytime I want to update everything I export my portfolio from M* and open/update excel. Any statistic I could possible want is updated in about 20 seconds from starting to log into M*. Ive been trying to learn excel spreadsheets and track it all myself ... it's too hard. Does M* do all that for you?
by Bustoff
Wed Sep 17, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2315

Re: Left tail portfolio - 70% bonds. Good idea?

Right now a 70% allocation to bonds seems kinda scary if interest rates start going up. I thought Larry Swedroe favored individual bonds rather than bond funds for his left tail portfolio. He also claims at equity allocations below 80 percent, five-year Treasuries produced the most efficient portfo...
by Bustoff
Wed Sep 17, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Left tail portfolio - 70% bonds. Good idea?
Replies: 38
Views: 3131

Re: Safe Withdrawl Rate

If you start with 20% stocks, what are your plans for the other 80% ?
by Bustoff
Wed Sep 17, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2367

Re: Ack! Bought a Dividend!

Also remember to update your cost basis for dividends you receive and have reinvested back into your fund in the form of additional shares or you could end up being taxed on them twice.
by Bustoff
Wed Sep 17, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ack! Bought a Dividend!
Replies: 26
Views: 2448

Re: How to add to my portfolio monthly without crazy fees

Thanks livesoft - I had not previously seen your linked threads ... very informative.
by Bustoff
Wed Sep 17, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 35
Views: 2364

Re: How to add to my portfolio monthly without crazy fees

TDAmeritrade has Real-time Level II quotes and charting Real-time updating of transaction info including pending things, so you know where your money is at all times Dividends paid and credited promptly and they show up on the web site (see e.g.: http://www.bogleheads.org/forum/viewtopic.php?f=1&am...
by Bustoff
Wed Sep 17, 2014 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 35
Views: 2364

Re: Rollover of maturing CDs from bank to brokerage

Seattlenative wrote: I've already made arrangements to rollover both of those bank IRAs (one is a Traditional, the other a Roth) to my existing Traditional and Roth IRAs at Schwab.

Just a note of caution on rollovers. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=132206
by Bustoff
Wed Sep 17, 2014 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover of maturing CDs from bank to brokerage
Replies: 14
Views: 987
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