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by Bustoff
Sat May 23, 2015 7:43 am
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6461

Re: Bill Gross Thinks the End Is Near

I think the end of Bill Gross draws near.
by Bustoff
Sat May 23, 2015 7:41 am
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 60
Views: 6457

Re: Not your father's Total Bond Market Fund anymore

Doc wrote:I this really what you want for one of your three funds?

At first I thought this was a trick question. Then I realized the answer is really quite simple -- and the solution even more so.
by Bustoff
Sat May 23, 2015 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Investing after Retirement
Replies: 10
Views: 1208

Re: Investing after Retirement

I am 64 years old and am going to retire in 3 months. I have no debt (own all my cars, home, etc.). I will have $3,200 (pre-tax) coming in each month from a pension and about $3,500 from Social Security (combined with my wife) at age 66. I also have a 401K with $110,000 and $90,000 in savings. I am...
by Bustoff
Sun May 17, 2015 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Talk me out of Timing the Market!
Replies: 30
Views: 3000

Re: Talk me out of Timing the Market!

Here is a sobering statistic for you: While the S&P 500 has generated annualized returns of 9.9% over the past 20 years—and a boring old asset allocation of 60% stocks and 40% bonds has managed to return a solid 8.7%—the average investor has eked out a measly 2.5%. Why Individual Investors Do S...
by Bustoff
Fri May 08, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Do you get non-zero peak values on your CO detector?
Replies: 11
Views: 877

Re: Do you get non-zero peak values on your CO detector?

1) get new detectors. They age and fail. Thanks! How often would you recommend replacement? The printed directions say, and I think our current one actually says so on the back near the sticker with the manufacturing date on it. Nowadays they actually start timing when first powered on. We didn't a...
by Bustoff
Fri May 08, 2015 8:35 am
Forum: Personal Consumer Issues
Topic: Do you get non-zero peak values on your CO detector?
Replies: 11
Views: 877

Re: Do you get non-zero peak values on your CO detector?

Professor Emeritus wrote:1) get new detectors. They age and fail.

Thanks! How often would you recommend replacement?
by Bustoff
Wed May 06, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: Are we experiencing a bond correction or crash?
Replies: 34
Views: 5669

Re: Are we experiencing a bond correction or crash?

Just saw Yellen on Bloomberg warning, "we could see a sharp jump in long term rates". I'm confused. Hasn't most of the commentary regarding the Fed rate hike been warning that short-term rates would be adversely affected much more than long rates? “We could see a sharp jump in long-term ra...
by Bustoff
Sun May 03, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 123
Views: 8247

Re: Truecar -- isn't this just a car buying scam?

So, my understanding is that dealers pay Truecar $299 if a sucker (er, customer) comes in with a Truecar report and actually buys a car. How is this anything but a lead-generating scam for dealers that they are willing to pay for? +1 ... Truecar is a dealer tool. TrueCar's main purpose/function is ...
by Bustoff
Sat May 02, 2015 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advise - Retiring Teacher
Replies: 10
Views: 1000

Re: Portfolio Advise - Retiring Teacher

Upon retirement, I will be eligible for the Teachers Retirement System which provides 60% of highest salary ($73,000 X 0.6) resulting in $43,800. Rental Income - $41,000 (rent collections less expenses) Questions: What do you think of my asset allocation? 50/50 sounds reasonable subject to your own...
by Bustoff
Fri May 01, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Want to plan a San Diego vacation
Replies: 19
Views: 1030

Re: Want to plan a San Diego vacation

For $200/night you could stay downtown especially since you're booking in advance. Consider the Marriot Marquis if you're staying downtown. If you really want the Holiday Inn / Double Tree bracket, then Mission Valley has tons of hotels. However it will just be the launching point for your expediti...
by Bustoff
Sun Apr 26, 2015 7:33 am
Forum: Investing - Theory, News & General
Topic: Tilting
Replies: 37
Views: 2204

Re: Jack Bogle on "tilting"

Jack Bogle gave a very important speech in Chicago which I attended. His speech gave his views about many subjects, including tilting (he's against it)--and why. You can read the speech here: THE TELLTALE CHART Best wishes Taylor +1 ... Now that I'm retired, the goal is to reduce Decision Fatigue :...
by Bustoff
Wed Apr 22, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Buying a Car to commute - SUV or Sedan?
Replies: 37
Views: 2818

Re: Buying a Car to commute - SUV or Sedan?

Why not get both.
Subaru XV Crosstrek 2015

Starting at
$21,595 MSRP. Up to 34 /26 MPG.
by Bustoff
Wed Apr 22, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 47
Views: 6250

Re: Favorite Vacation/Trip

Summer trip from DC ? How about Nova Scotia.
by Bustoff
Wed Apr 22, 2015 11:44 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 35
Views: 1662

Re: Visiting Nashville during the summer

Gaylord Opryland is a cool place to stroll around for an evening. Be sure to catch the fountain show.
by Bustoff
Wed Apr 22, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 8304

Re: What's your average monthly expense???

TRC wrote:
dreamer wrote:Grocery: $250 - $300


How on earth is this even remotely possible for a family of 2 in CA? Are you eating out a lot?

We spend $500/mo on groceries for two. After seeing the responses, our $500 seems high.
by Bustoff
Wed Apr 22, 2015 9:11 am
Forum: Investing - Theory, News & General
Topic: Future income on 100,000 bond fund
Replies: 16
Views: 2673

Re: Future income on 100,000 bond fund

Ok.I should know this but I just want to be crystal clear for my financial plan going forward towards retirement. I will keep it as simple as possible for my sake,not yours :D An example with rounded numbers. I invest 100,000 in the inter term bond fund on Jan 1,2016 and lets say it is yielding exa...
by Bustoff
Tue Apr 21, 2015 9:43 am
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 8304

Re: What's your average monthly expense???

TFinator wrote: I am also in San Diego...

Rent/mortgage, insurance, rental insurance, etc:1000

Location:San Diego
-------------------

If I could rent in San Diego for $1000 a month I would be on my way tomorrow. 8-)
by Bustoff
Mon Apr 20, 2015 5:27 pm
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 6111

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

... But used over a range of sectors, regions and periods, the stochastic distribution of returns should start to resemble the mean (and that's effectively as certain as anything gets in investing) .. Ah, the mean... It is a mean, an average, something certain in a chaos of conflicting information....
by Bustoff
Mon Apr 20, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: Using Fraud Alert or Security Freeze at credit bureaus
Replies: 3
Views: 407

Re: Using Fraud Alert or Security Freeze at credit bureaus

kenyan wrote:He's a thread on freezing your credit:

http://www.bogleheads.org/forum/viewtop ... 2&t=131599

I froze mine a couple of months ago.

Thanks kenyan!
by Bustoff
Mon Apr 20, 2015 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Take the job? Midwest to West Coast.
Replies: 12
Views: 911

Re: Take the job? Midwest to West Coast.

Monthly home rentals in San Diego go for around $2500/month, but that's on VRBO. So single family homes with a one year lease should be considerably less. Apartments are even cheaper.
I say do it. 8-)
by Bustoff
Mon Apr 20, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Using Fraud Alert or Security Freeze at credit bureaus
Replies: 3
Views: 407

Using Fraud Alert or Security Freeze at credit bureaus

Has anyone has used the Fraud Alert or Security Freeze services offered through the credit bureaus? I'm debating using the security freeze. Using the security freeze prohibits a credit bureau from releasing information from your credit report without your prior written approval. Anyone find the secu...
by Bustoff
Mon Apr 20, 2015 10:37 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15411

Re: Bernstein: "If you've won the game, stop playing."

Grt2bOutdoors and Angst - Thank you for those additional perspectives. I always learn something new from this forum.
by Bustoff
Mon Apr 20, 2015 9:00 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15411

Re: Bernstein: "If you've won the game, stop playing."

^^^ Given the graph above, I would not be surprised if history repeats itself in terms of yield not appreciating for an extended period of time. We are now "let's call it a good 7 years into this low yield environment", only 11 more years to go. Those EE bonds are looking sweeter by the d...
by Bustoff
Mon Apr 20, 2015 7:41 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15411

Re: Bernstein: "If you've won the game, stop playing."

^^^ Given the graph above, I would not be surprised if history repeats itself in terms of yield not appreciating for an extended period of time. We are now "let's call it a good 7 years into this low yield environment", only 11 more years to go. Those EE bonds are looking sweeter by the d...
by Bustoff
Mon Apr 20, 2015 6:51 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15411

Re: Bernstein: "If you've won the game, stop playing."

... The bond market disaster today would not be a crash in bond NAV but a long term condition of low returns where the investor is holding almost entirely bonds and nothing offering a higher return in the portfolio. Would you mean something like this ? http://www.schwab.com/public/file?cmsid=Bond-y...
by Bustoff
Thu Apr 16, 2015 8:26 am
Forum: Investing - Theory, News & General
Topic: How much riskier are munis than treasuries?
Replies: 32
Views: 3943

Re: How much riskier are munis than treasuries?

Using Vanguards risk ratings may be helpful. Vanguard Inter-Term Tax-Exempt https://personal.vanguard.com/web/images/smallrisk2.gif Vanguard Inter-Term Treasury https://personal.vanguard.com/web/images/smallrisk2.gif Vanguard Short-Term Tax-Exempt https://personal.vanguard.com/web/images/smallrisk1....
by Bustoff
Thu Apr 16, 2015 7:31 am
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5908

Re: How does a retired person mitigate a Bond Bubble?

How does a retired person mitigate a Bond Bubble? Definitely not the way Brad Schneider does it. http://www.opensecrets.org/pfds/search_results_detail.php?filtertype=T&year=2013&org=Vanguard+Total+Bond&srchorg=VANGUARD&srchtype=O This is a safer way to mitigate a bond bubble. Note t...
by Bustoff
Tue Apr 14, 2015 7:36 am
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3405

Re: New York Times article on bond funds

ogd and nisi -
Thank you very much.
by Bustoff
Tue Apr 14, 2015 6:52 am
Forum: Investing - Theory, News & General
Topic: Negative interest rates in Europe
Replies: 9
Views: 1405

Re: Negative interest rates in Europe

toto238 wrote:Interesting piece in the WSJ today where they discuss negative interest rates across Europe.

Another reason why the Fed will be hard pressed to raise rates.
by Bustoff
Sun Apr 12, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3405

Re: New York Times article on bond funds

The concern is that structural problems arising from the liquidity artifacts will trigger broader panic and price volatility. Isn't it the opposite? My impression was that, yes, there are real liquidity issues, but it's not the "liquidity issues" that could trigger a panic. Rather, it wil...
by Bustoff
Sun Apr 12, 2015 9:15 am
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3405

Re: New York Times article on bond funds

It would be interesting to see what the average daily volume is in the "primary market" (where authorized participants exchange the ETF shares with the underlying bonds) for the most popular bond ETFs (and the ones I own :) ). Is that info readily available and is it available for every d...
by Bustoff
Sun Apr 12, 2015 8:10 am
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3405

Re: New York Times article on bond funds

simplesimon wrote:Article linked here: http://www.nytimes.com/2015/04/12/busin ... funds.html

Thanks simon. I went back and fixed the omission.
by Bustoff
Sun Apr 12, 2015 7:53 am
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3405

New York Times article on bond funds

Yesterday, the NYT published an article titled, Questioning the Seaworthiness of Bond Funds, written by Diana B. Henriques. While the article is not hyperbolic in nature, it's difficult to tell if any of this should be a source of concern because the subject of the article deals with somewhat esoter...
by Bustoff
Sat Apr 11, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1273

Re: Best fish oil/omega-3 supplement?

JLJL wrote:This thread will probably get locked.

Your probably right. I should have known better.
But just to be clear I'm not seeking any medical information.
by Bustoff
Sat Apr 11, 2015 11:14 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5313

Re: Favorite Boglehead Avatar?

Someone has an avatar of an elderly man kissing a little girl on the lips. That always creeps me out. I try to remind myself that there are cultural differences about kissing. Maybe the man in the avatar is the recent Jeopordy contestant who guessed that the "age of consent" for for girls...
by Bustoff
Sat Apr 11, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1273

Best fish oil/omega-3 supplement?

Do you take a fish oil/omega-3 supplement?
If so which one would you recommend?
by Bustoff
Sat Apr 11, 2015 8:10 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 722
Views: 104839

Re: What Book Are You Currently Reading? Part VI

Get What's Yours: The Secrets to Maxing Out Your Social Security Hardcover by Laurence J. Kotlikoff , Philip Moeller , Paul Solman This book is already driving me nuts. I'm not sure what they call this style of writing but here it is: But how old are you and Jan? Larry asked. What difference does i...
by Bustoff
Sat Apr 11, 2015 6:21 am
Forum: Personal Consumer Issues
Topic: Gifts to take to Scotland.
Replies: 33
Views: 2239

Re: Gifts to take to Scotland.

Scratch-off lottery tickets. :twisted:
by Bustoff
Sat Apr 11, 2015 6:00 am
Forum: Investing - Theory, News & General
Topic: GE stock up 11% on Friday.
Replies: 19
Views: 2209

GE stock up 11% on Friday.

GE stock soared 11% Friday to close at the highest level since Sept. 8, 2008. http://www.marketwatch.com/story/ges-stock-snaps-out-of-its-15-year-slump-2015-04-10 I bought General Electric in 2008 and made the mistake of purchasing it within an IRA and thereby lost the advantage of TLH. Currently GE...
by Bustoff
Sat Apr 11, 2015 5:25 am
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2455

Re: Best US city to spend Xmas

Rome, Italy.
by Bustoff
Sat Apr 11, 2015 4:57 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 722
Views: 104839

Re: What Book Are You Currently Reading? Part VI

Get What's Yours: The Secrets to Maxing Out Your Social Security Hardcover by Laurence J. Kotlikoff , Philip Moeller , Paul Solman The book is too small. By that I mean it's dimension are much smaller than a typical hardcover book. To make things worse, the print is too small. They really cheaped o...
by Bustoff
Sat Apr 11, 2015 4:39 am
Forum: Personal Finance (Not Investing)
Topic: When to Retire?
Replies: 35
Views: 3305

Re: When to Retire?

Kualityboy wrote:
I would be interested in general thoughts from board members if you think I could retire comfortably today.

We estimate that we could live comfortably on $100,000 a year.

The key is knowing exactly how much you spend on a yearly basis. What are your current living expenses ?
by Bustoff
Fri Apr 10, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: What is Sammy Savers net worth?
Replies: 41
Views: 3740

Re: What is Sammy Savers net worth?

I say one million ... but first show me the money. 8-)
by Bustoff
Fri Apr 10, 2015 7:56 am
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5908

Re: How does a retired person mitigate a Bond Bubble?

RMD's from tax-advantaged accounts could force an investor to take redemption's from bond funds during a period of declining NAV's.
by Bustoff
Fri Apr 10, 2015 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Real estate and reits
Replies: 22
Views: 2274

Re: Real estate and reits

Valuethinker wrote: ... The volatility is huge ...

Yesterday Vanguard REIT ETF (VNQ) dropped over 2%.
by Bustoff
Thu Apr 09, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2506

Re: How should I go about getting a Will made?

I've been meaning to get a will made up but never have done so yet. When the "completion" of the family I want to get this knocked out this year. I've seen places online like http://www.legalzoom.com and http://www.uslegalforms.com and have also been told I need to contact a lawyer. I'm n...
by Bustoff
Wed Apr 08, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2506

Re: How should I go about getting a Will made?

... Court employees are not ever supposed to give legal advice, ... judicial ethics rules against appearing to favor particular parties or attorneys. ...I am always happy to give them the name of a couple of colleagues I respect What are you talking about ? First of all, court clerks have no ethica...
by Bustoff
Wed Apr 08, 2015 8:29 am
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2506

Re: How should I go about getting a Will made?

Hiring a lawyer based on a friends referral is no different than investing in a mutual fund based solely on a brief conversation with a friend, co-worker, or relative. I would go down to the probate court and inquire. Nothing drives judges and and clerks more nuts than incompetent lawyers and poorly...
by Bustoff
Wed Apr 08, 2015 7:59 am
Forum: Personal Finance (Not Investing)
Topic: A Little Surprise at the Social Security Office
Replies: 17
Views: 3231

Re: A Little Surprise at the Social Security Office

These kind of screw ups are happening all the time now. I don't even want to think about how many hours were squandered on the phone with AT&T and Anthem over the last couple of years trying to rectify their screw ups.
by Bustoff
Tue Apr 07, 2015 5:45 pm
Forum: Investing - Theory, News & General
Topic: Bored -- wondering about day trading for fun
Replies: 61
Views: 5941

Re: Bored -- wondering about day trading for fun

... So I'm thinking about starting a tiny little day-trading thing, like $1,000 or so, if you can do it for that little. Is that small a sum feasible for day trading? Which, by the way, I have never done. I've never even bought any individual stocks before. Thoughts? (Remember, bogleheading is a st...

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