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Re: Thinking about chucking it all and going Wellington

Kaiser, a very opening statement, thanks for the thread. Surprising results in the graphs seeing as how much the different allocations differ between fixed and equities, Larry's Fat Tails has a lot going for it. May have to try and do similar but adjusting each to be closer to ones comfort level. If...
by Padlin
Tue Dec 24, 2013 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about chucking it all and going Wellington
Replies: 72
Views: 7422

Re: Fun with charts looking at Wellington vs Total Market

It's what one would expect, no? http://i184.photobucket.com/albums/x192/padlin07/chart2_zps6207580d.jpg According to Morningstar if you invested $10,000 in each Fund on 12/15/1997 you would have the following: VWELX: $32,059 VTSMX: $26,915 This doesn't seem to match up with the chart you posted. An...
by Padlin
Sun Dec 15, 2013 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Fun with charts looking at Wellington vs Total Market
Replies: 11
Views: 1874

Re: Recommendations for flash drive and head phones

I've had a set of http://www.amazon.com/Sennheiser-PX-100-Lightweight-Collapsible/dp/B000089GN3 , low cost, great sound, held up well. Bought a set of their PX250's to get even better sound but I couldn't tell te difference, and they developed problems with the wiring in less then a year. On both th...
by Padlin
Mon Dec 02, 2013 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for flash drive and head phones
Replies: 17
Views: 1010

Re: Mutual Fund gifts for grand kids

If you want to start out small, the minimum initial investment amount for Vanguard Target Retirement Funds and Vanguard STAR® Fund is just $1,000. Wellington and Wellesley is $3000 except for education savings accounts, which are $2000. I've heard that if it's for college, when it comes to financial...
by Padlin
Sat Nov 30, 2013 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund gifts for grand kids
Replies: 5
Views: 486

Re: Airline ticket change issue

Thanks folks, I won't use a subcontractor site for reservations again.
by Padlin
Tue Nov 26, 2013 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Airline ticket change issue
Replies: 4
Views: 484

Airline ticket change issue

Bought tickets on United to St. John USVI from Hartford Ct. a month or so ago for late April. Got a note from Travelocity, whom I went through, that the flight from Hartford to Newark was cancelled and I now have to leave Hartford Thursday at 7pm, going to Chicago and arriving in Newark at 11pm in o...
by Padlin
Tue Nov 26, 2013 2:33 am
 
Forum: Personal Consumer Issues
Topic: Airline ticket change issue
Replies: 4
Views: 484

Re: Early 401k Distrbutions

Thanks Spirit Rider, I'll ask about the PWS specifically, the rep said I was limited to just the one withdrawal a year but it's worth asking about.
by Padlin
Mon Nov 25, 2013 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early 401k Distrbutions
Replies: 3
Views: 260

Early 401k Distrbutions

Attempting to figure out what I need to do for early distributions, just turned 57, no longer working. I have a friend, (honest, it's not me) that left our employer during a voluntary layoff, same as me, but he did it 10 years ago at 55 where as I just did the same a few months back at 56. A year or...
by Padlin
Mon Nov 25, 2013 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early 401k Distrbutions
Replies: 3
Views: 260

Re: who here is tempted to pullback on stocks?

Well, I retired recently. It was a year or so earlier than I had originally planned because my employer is circling the drain and people were jumping ship leaving things a mess. So with that plus the recent market highs I decided it would be a good time to rebalance and also cut my allocation a bit...
by Padlin
Fri Nov 22, 2013 8:55 am
 
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 104
Views: 7871

Re: How to deal with the temptation to pullback on stocks

Like Fallible, if your current AA causes too much anxiety then it may the smart time to reevaluate and adjust. I've also found re-balancing can make one feel you've done something, enough to stop any dumb emotion based moves.
by Padlin
Fri Nov 22, 2013 8:18 am
 
Forum: Investing - Theory, News & General
Topic: How to deal with the temptation to pullback on stocks
Replies: 35
Views: 2188

Re: Target Retirement or Individual funds?

I take care of both my kids IRA's and 401k's, for the last 5 or so years I did the separate funds as opposed to the TR funds. After watching the results for a few years I've changed them to the appropriate TR funds. As they have changed jobs a couple times, mostly for simplicity's sake, but the TR f...
by Padlin
Sun Nov 17, 2013 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement or Individual funds?
Replies: 11
Views: 1456

Re: Vanguard Wellington instead of total bond market?

I don't see a benefit to having the Wellington as opposed to using the appropriate amount of Total US Stock or VIVAX (large Value) and the Total US Bond funds. Wellington is up 17.6% for the year, VTSMX is up 29.25% and VBMFX is down just under 2%. Maybe someone else can do the math and work out the...
by Padlin
Sat Nov 16, 2013 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellington instead of total bond market?
Replies: 14
Views: 3441

Re: Bond question

I would think they are right, better have nerves of steel for inevitable losses though. For those of us that prefer a little help withstanding the bumps, there are bonds.
by Padlin
Fri Nov 15, 2013 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: Bond question
Replies: 28
Views: 1354

Re: discretionary spending per month

Groceries are not discretionary in my calculations, essential spending is about 3x what discretionary is.
by Padlin
Thu Nov 14, 2013 3:07 am
 
Forum: Personal Finance (Not Investing)
Topic: discretionary spending per month
Replies: 48
Views: 3139

Re: Too aggressive to meet our goals?

My questions are as follows: 1. Is my allocation too aggressive with stocks considering my goals? I feel we have done pretty well and our biggest concern now would be a large loss. 2. I am concerned about the poor rate of return on bonds. Should I stay a little more aggressive with stocks because o...
by Padlin
Tue Nov 12, 2013 3:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Too aggressive to meet our goals?
Replies: 3
Views: 635

Re: our portfolio- any comments/suggestions?

No real problem with it other then there are too many funds at 23, I'd simplify. I'd also think about paying off the house for the same reason.
by Padlin
Tue Nov 12, 2013 2:30 am
 
Forum: Investing - Help with Personal Investments
Topic: our portfolio- any comments/suggestions?
Replies: 4
Views: 453

Re: Thrivent Financial for Lutherans?

40+ years ago the AAL rep for life insurance was a member of our church, my parents bought all the kids policies, and most of us still have it. About 15 years ago living in another state in the process of upping my policy the then current rep (who was a Lutheran) came over and wanted to talk investi...
by Padlin
Sun Nov 10, 2013 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thrivent Financial for Lutherans?
Replies: 43
Views: 16394

Veterans Day discounts and freebies for Vets

This may have already been posted, but if you're a vet and are interested, some are all weekend, some just Monday... The individual links all bring to the same place where you need to signup for info, skip that part and just use it as a list. http://www.military.com/veterans-day/veterans-day-militar...
by Padlin
Sat Nov 09, 2013 8:44 am
 
Forum: Personal Consumer Issues
Topic: Veterans Day discounts and freebies for Vets
Replies: 4
Views: 378

Re: Have you ever moved for lower cost of living?

I live in Boston, one of the highest cost of living (COL) areas in the country. I thoroughly enjoy it at the moment, but I am considering a move to another city near where I grew up A significant motivator is the drastically lower COL (among other personal reasons). I'm in my late twenties and I wo...
by Padlin
Fri Nov 08, 2013 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever moved for lower cost of living?
Replies: 72
Views: 5907

Re: Aheville NC as a final destination

We went down to look around in Sept.; marked it off our list of potential retirement areas as we're looking for small town life. After reading your OP again I do believe it may well fit your criteria.
by Padlin
Wed Nov 06, 2013 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Asheville NC as a final destination
Replies: 65
Views: 4807

Re: Need Help with Retirement Planning

From what I can see you don't mention what the choices are in the Old accounts, only what you're invested in. I'd pay off the CC and the 6% student loan before bumping the Roth up. Agree with Duckie, 10% fixed is probably too low. How long have you been investing? If you haven't taken a beating yet ...
by Padlin
Sun Nov 03, 2013 2:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Help with Retirement Planning
Replies: 2
Views: 462

Re: Did you wish you were more aggressive when you were youn

How I handled my investments wouldn't be at the too of the list of what I would change if I knew then what I know now. But only talking $, then yes, more aggressive would have worked out better, had I had the stomach for it. Hindsight and all that... Guess what I really needed was to be a Boglehead ...
by Padlin
Sun Nov 03, 2013 1:59 am
 
Forum: Investing - Theory, News & General
Topic: Did you wish you were more aggressive when you were younger?
Replies: 47
Views: 3963

Re: Bucket list - what's done, what's meh and what's left to

Being a "live for today but plan for tomorrow" type, I've pretty much done everything I realistically wanted to do with the exception of learning to play an instrument. I've tried piano, guitar, and even the harmonica, it's like plumbing, I truly suck at both. I would like to cruise for ye...
by Padlin
Wed Oct 23, 2013 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Bucket list - what's done, what's meh and what's left to do?
Replies: 46
Views: 3875

Re: Retirement calculator

Fidelity's and Firecalc, I-Orp once in a while is fun too.
by Padlin
Mon Oct 14, 2013 3:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement calculator
Replies: 7
Views: 993

Re: Retiree Poll: How do you withdraw?

I'm also didn't vote, too much of a retirement rookie at 3 months out. Have a year plus from severance we have yet to start on so I won't need to withdraw from savings till 2015 or so. For the 1st couple years (Pre 59 1/2) I can only access my 401k once a year, but I haven't given it any real though...
by Padlin
Sat Oct 12, 2013 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Poll: How do you withdraw?
Replies: 30
Views: 2959

Re: What do you read daily about Investing/Investments

bottlecap wrote:http://www.bogleheads.org. Check it out, it's all I need.

JT


+1, I also check Marketwatch when curiosity gets the better of me.
by Padlin
Sat Oct 12, 2013 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: What do you read daily about Investing/Investments
Replies: 22
Views: 1924

Re: Cash Poor

I've been reading a lot of threads lately. It always seems like a lot of people have $30-50k, or more, sitting in savings/checking accounts, not including their Emergency funds. I don't know if these parties are maxing out their tax-advantage accounts or not, however. I, on the other hand, barely k...
by Padlin
Sat Oct 12, 2013 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash Poor [Keep "cash on-hand" or use for investing]
Replies: 45
Views: 4037

Re: FireCalc help

Although I have no problems with FIRECALC, you might find this one easier to use. http://www.flexibleretirementplanner.com/wp/

You can use the Additional Inputs tab fr SS and such.
by Padlin
Thu Oct 10, 2013 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: FireCalc help
Replies: 9
Views: 924

Re: Door to door annoyances--easy way to stop?

Living in the country I get very few door knockers, and those are usually holy rollers of one flavor or another. I just open the door and after about 4 words from them to ascertain what they want, I say "no thanks" and close the door. I believe I'd do the same if I lived in a more urban ar...
by Padlin
Wed Aug 21, 2013 6:56 am
 
Forum: Personal Consumer Issues
Topic: Door to door annoyances--easy way to stop?
Replies: 60
Views: 4025

Re: re: going to Bryce/Zion (and a bit of Vegas)

We stayed at the Red Rock Inn B&B, close to the Zion entrance, and Red Stone Cabins in Kodachrome Basin State Park for Bryce, about 30 minutes away. The 1st was top notch in the center of town, the 2nd is in the middle of nowhere and pretty basic, the nearest and only restaurant was 15 or so min...
by Padlin
Sat Aug 17, 2013 11:15 pm
 
Forum: Personal Consumer Issues
Topic: re: going to Bryce/Zion (and a bit of Vegas)
Replies: 42
Views: 2445

Re: Bond allocation

Welcome to the forum. The amount you have in bonds varies on an individual basis, need, risk tolerance, and so forth. Suggest you reference the Wiki at http://www.bogleheads.org/wiki/Category:Asset_Allocation , they do a much better job explaining it then I can. There are also good books on the subj...
by Padlin
Wed Aug 14, 2013 1:27 am
 
Forum: Investing - Theory, News & General
Topic: Bond allocation
Replies: 1
Views: 237

Re: POLL: Your Salary vs Inflation

Using the calculator, since I started in 81 I'm at 4x the inflation level. Seems recency could play a part in your results.
by Padlin
Sun Aug 11, 2013 6:26 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Your Salary vs Inflation
Replies: 24
Views: 2230

Re: New Car or Drive My Civic to the Ground?

Sounds like it's not broken down on you leaving you stranded as yet. I'd have it fixed, both the body and the AC, and keep driving it. To me being an 07 it's still pretty new, especially if you'd have to finance a new one.
by Padlin
Sun Aug 11, 2013 6:23 am
 
Forum: Personal Consumer Issues
Topic: New Car or Drive My Civic to the Ground?
Replies: 56
Views: 4459

Re: [Eating] Fish

We get Salmon from Costco, comes in something like 3 lb slabs. On the weekend we cook it up on the grill, use the leftovers, which is most of it, to make salmon patties and freeze them. They make decent quick meals for use on weekdays but making them in the 1st place takes a bit of doing.
by Padlin
Sun Aug 11, 2013 6:17 am
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 81
Views: 6054

Re: Trex (The Good, the Bad and the Ugly)

Here's an online estimator for Trex, should get you in the ball park. [urlhttp://www.homewyse.com/costs/cost_of_trex_decking.html][/url]
by Padlin
Wed Aug 07, 2013 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Trex (The Good, the Bad and the Ugly)
Replies: 50
Views: 4854

Re: At what age you guys started investing ?

About 25, 3 years after getting out of the service. At the time I put 3% in our 401k to get the company match, with the company contributions it worked out to 17% total back in the early 80's.
by Padlin
Tue Aug 06, 2013 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: At what age you guys started investing ?
Replies: 61
Views: 3500

Re: What house can we afford?

Clearly it is country dependant. I recall in the UK it is about 5x salary. Out here in Hong Kong, 5x annual salary might just about buy you a car parking space. With 20% down you would be looking at closer to 10x average annual salary to buy the cheapest small 1 bed apt. So if you make $100k, you b...
by Padlin
Tue Aug 06, 2013 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What house can we afford?
Replies: 66
Views: 6729

Re: how to pick individual stocks since indexing doesn't wor

22twain has it right, Index funds are boring.
by Padlin
Sat Jul 27, 2013 2:30 am
 
Forum: Investing - Help with Personal Investments
Topic: how to pick individual stocks since indexing doesn't work?
Replies: 9
Views: 2207

Re: Building new house - central vacuum worth it?

My wife has a house cleaning business and they will not use folks central vacs although they are usually offered. I know she's tried them with unsatisfactory results, but I don't know why.
by Padlin
Sat Jul 27, 2013 2:29 am
 
Forum: Personal Consumer Issues
Topic: Building new house - central vacuum worth it?
Replies: 35
Views: 3577

Re: What did Bogleheads do when the stock market crashed?

Been through a number of these. I've found that when things are going badly in the market and I get the urge to do something, I re-balance. It seems to give me the feeling that at least I did something and the urge goes away. I re-balanced a couple times through the last drop. My first drop, in 87, ...
by Padlin
Wed Jul 24, 2013 8:02 am
 
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 127
Views: 79319

Re: lending money

If you are a boglehead - you won't have money sitting in cash. Is this a new rule? I keep enough liquid to cover whatever may come up, I have no intention of raiding a retirement account or selling I bonds or some such just for a vacation or a new roof. The funds to cover annual expenses, insurance...
by Padlin
Thu Jul 18, 2013 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: lending money
Replies: 29
Views: 1732

Re: Road trip ideas

Do you have passports? If not skip Ca. otherwise heading north into Me. Taking 1 as long as you can stand it is nice. Stops in Camden/Rockport area, Acadia, then farther up through blueberry country to Campabello. From there you can take the inter-island ferry and island hop to mainland Ca. and over...
by Padlin
Sun Jul 14, 2013 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Road trip ideas
Replies: 30
Views: 2279

Re: Lost a lot in stocks and starting fresh: Please Help

401k to get company match if any
Pay off CC and work on Emergency fund
stop spending
by Padlin
Fri Jul 12, 2013 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lost a lot in stocks and starting fresh: Please Help
Replies: 44
Views: 4803

Re: 'my' retirement or 'our' retirement?

Quicken and Fidelity have provisions for age differences as well as separate entries for both partners. But the way marriage is these days it might be wise to figure both ways.
by Padlin
Fri Jul 12, 2013 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: 'my' retirement or 'our' retirement?
Replies: 18
Views: 2369

Re: Young mid-20s, is I-Bonds for Emergency Fund a good idea

I've used conservatively invested Roths and I bonds as quasi Efunds, short term would be a CC with plenty of headroom. In reality there has always been enough in the checking and or savings for any short term carryover.
by Padlin
Fri Jul 12, 2013 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young mid-20s, is I-Bonds for Emergency Fund a good idea?
Replies: 12
Views: 1309

Re: Quality Sunglasses

Not as well known as some of the others but we like Rudy Project, got them for cycling but they are used as all purpose.
http://www.rudyprojectusa.com/
by Padlin
Fri Jul 12, 2013 5:17 am
 
Forum: Personal Consumer Issues
Topic: Quality Sunglasses
Replies: 52
Views: 5779

Re: Savings Rate for Single Income Families

Have to agree with Calm Man, if you both are about the same income, living on 35k will be tough. My daughter is in similar straits to what I mention, but at a bit higher levels. She is moving to the night shift (nurse) as opposed to not working. She'd like to quit but they realize they have to pay t...
by Padlin
Fri Jul 12, 2013 5:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Savings Rate for Single Income Families
Replies: 18
Views: 2162

Re: Partial Rollover, any cons?

I can't think of any except for the ambiguity of this statement: I only get one withdrawal a calendar year, no max $, what I use that withdrawal for is up to me It sounds like you can't take withdrawals from your 401k "as needed." Correct, I'm under 59 1/2 Or does it mean you can do only ...
by Padlin
Fri Jul 12, 2013 4:50 am
 
Forum: Investing - Theory, News & General
Topic: Partial Rollover, any cons?
Replies: 2
Views: 286

Partial Rollover, any cons?

Leaving my current employer in a couple weeks at age 56. I had been planning on taking withdrawals from my 401k if needed and at 59.5 move the 401k to an IRA. Someone today mentioned doing a partial rollover which I had not heard of before but sounds good in theory. The idea would be to determine ho...
by Padlin
Thu Jul 11, 2013 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: Partial Rollover, any cons?
Replies: 2
Views: 286
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