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Re: Some sense of having enough

How are you feeling about your retirement assets and spending? If there was a giddy phase in early retirement, I missed it. Going on three years + in retirement and I'm still concerned about this assets / spending thing. That said, I've got ~60% of my budgeted expenditures taken care of by SS and p...
by RadAudit
Wed Apr 23, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Some sense of having enough
Replies: 12
Views: 1363

Re: Jack Bogle on CNBC

An approach - avoidance conflict of the first order. You get to hear Mr. Bogle; but, you have to watch CNBC to do it.
by RadAudit
Tue Apr 22, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 3
Views: 587

Re: Presentation for Retiring Physicians

Try googling "The White Coat Investor." That would be a good place to start.
by RadAudit
Sat Apr 19, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Presentation for Retiring Physicians
Replies: 5
Views: 674

Re: Vanguard IRA Insights

I have not made any conversions into my ROTH, ... I haven't gone heavy into the ROTH because these haven't been available until recent years and because I was putting so much into my workplace savings plan. ... Thanks for the post, ned. I was in much the same situation until I retired. Now, it seem...
by RadAudit
Fri Apr 18, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard IRA Insights
Replies: 7
Views: 865

Re: Only 3 Index Funds in Pension Plan, Can't Decide

Welcome to the forum. I'm sure other folks will be along to provide better insights than I'm able to provide. But since you asked for an opinion, here's what I'd do. First, I'd read the info and watch the videos in the link Start Here on this forum. I'd pay special attention to the parts on home cou...
by RadAudit
Fri Apr 18, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Only 3 Index Funds in Pension Plan, Can't Decide
Replies: 6
Views: 651

Re: Individual bonds VS bond fund

While not focused on state specific vs national, the wiki has an article on funds vs bonds. http://www.bogleheads.org/wiki/Bond_funds Thanks, sscritic for pointing OP (and me) in the right direction - I had a similar question a while back. I like the part of the wiki discussion that gets to a recom...
by RadAudit
Wed Apr 16, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual bonds VS bond fund
Replies: 7
Views: 724

Re: Let's compare 2013 effective tax rates

Oh, let's don't.

I asked that question earlier this year and found out that - based on the replies - that neither I nor Turbo Tax had a handle on that answer.

However, best of luck.
by RadAudit
Wed Apr 16, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Let's compare 2013 effective tax rates
Replies: 46
Views: 2151

Re: IRA Required Withdrawal and Tax Inefficiency

my wife and I are at the age when we must take the required annual distribution from our IRAs. Does this negate the value of bond funds in the IRA? I believe our tax person said we are in the 15% bracket and our fund advisor said our actual (forgot the correct term) bracket was 11.4%. Welcome to th...
by RadAudit
Wed Apr 16, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: IRA Required Withdrawal and Tax Inefficiency
Replies: 9
Views: 909

Re: Investing Noob

Welcome to the forum

It is usually best to start at the beginning.

I would suggest browsing through Start Here at the top of the page and then reading a few of the recommended books.
by RadAudit
Wed Apr 16, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Noob
Replies: 6
Views: 362

Re: Looking at top 1% for actionable insight

if you look at the data, it's pretty clear that tax-advantaged accounts stuffed with low-cost mutual funds are not the only or even a popular route to financial independence. BTW, if you want to really go into the weeds on the survivorship bias and random chance stuff, I would say that a practical ...
by RadAudit
Wed Apr 16, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 7484

Re: Lost $10K in my investments past few months

MrManlyMister wrote:
is this downswing in the market temporary?


All market downswings are temporary. There has never been a permanent market downswing.


But in some cases, temporary has lasted for a long time. :happy
by RadAudit
Tue Apr 15, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4359

Re: How much is rich?

Tell me why it is important to define rich in numerical terms? Why, of course, you need numbers! If you didn't have numbers, why almost anyone could walk in off the street and think he was rich. Distinctions among the classes would break down! Society as we know it would be threatened! Troops would...
by RadAudit
Sun Apr 13, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2466

Re: How much is rich?

Before I retired, in an office where everyone was paid essentially the same, an individual was considered rich if he had $5 more than you. OK, for the sake of the argument, you're not rich and are fully justified in continuing to chase that rabbit as long and as hard as you would like. Just remember...
by RadAudit
Sun Apr 13, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2466

Re: Bannability Index

Delightful post! Thanks for your contributions to the forum. Hope you're around for a long time. You really ought to do a poll on this one. Being a competitive bunch, it ought to be interesting to see how we fit in such a distribution. High scores would indicate we want might not want to offer too m...
by RadAudit
Sat Apr 12, 2014 9:29 am
 
Forum: Forum Issues and Administration
Topic: Bannability Index
Replies: 10
Views: 744

Re: Looking for anothers thought on car purchase

OK. If you are just looking for an opinion, I'd recommend you look at the numbers again and ask yourself if you absolutely, positively need to be a new car, old car and a truck family. In some parts, 120k on a car is considered to be at the point where a car is just getting broken in good. If indust...
by RadAudit
Fri Apr 11, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Looking for anothers thought on car purchase
Replies: 5
Views: 442

Re: Ooh - Media is finally checking past predictions!

Checking on the outcome of past predictions should be as easy as shooting ducks over a baited pond. It's interesting more writers don't do it - except they'd never get another interview.
by RadAudit
Fri Apr 11, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Ooh - Media is finally checking past predictions!
Replies: 4
Views: 834

Tax Exempt Bonds with Edward Jones

I have a small inheritance in an account located at Edward Jones. Over the last few years, I've been periodically selling individual stocks and mutual funds from that account and transferring the proceeds to an account at Vanguard and investing in the Total Stock Market index fund. I'm now down to a...
by RadAudit
Fri Apr 11, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bonds with Edward Jones
Replies: 0
Views: 282

Re: This time it's different?

nisiprius wrote:You don't know, you just don't know


Great line from the old soap operas. Just about sums it up, too.
by RadAudit
Thu Apr 10, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: This time it's different?
Replies: 16
Views: 2468

Re: "Choose an AA appropriate for your personal risk toleran

Another phrase is after you've won the game, why continue to play the game? That implies, to me, that you have to have a general awareness of how much money you'll need to live like you want to live and an age that you'd like to to arrive at such a point. That involves having a rough idea of how muc...
by RadAudit
Thu Apr 10, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: "Choose an AA appropriate for your personal risk tolerance"
Replies: 10
Views: 824

Re: Getting over huge mistakes

Welcome to the forum. My mind feels paralyzed going over and over all the mistakes and stupid things I spent money on like cars, clothes, eating out, bar tabs, etc, and most especially how much I never saved or even thought about saving. You are going to have to learn to forgive yourself or you're g...
by RadAudit
Wed Apr 09, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting over huge mistakes
Replies: 30
Views: 3310

Re: Can I get some alpha? (DFA / Wealthfront)

Welcome to the forum

Read the thread "Is Alpha Dead?"

I gather that a number of folks think your search for alpha will be unsuccessful.
by RadAudit
Wed Apr 09, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Can I get some alpha? (DFA / Wealthfront)
Replies: 58
Views: 2964

Re: Is Alpha Dead?

Third, going over to the asset allocation divide which is the space us Bogleheads like to inhabit having given up on stock picking, the good results of buy and hold may well be a recency effect driven by the recentmost deep but short, market crashes. The "rational behavior" of one crash m...
by RadAudit
Wed Apr 09, 2014 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Is Alpha Dead?
Replies: 38
Views: 2265

Re: Military Member Needing Investing Advice

Welcome to the forum Vanguard is a little more reasonable on fees? From what i read around here, Vanguard is a lot more reasonable on fees. Advice, I need it please! My advice would be to take some time and browse this site, preferably at Getting Started. The primary reason for the advice is that in...
by RadAudit
Tue Apr 08, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Military Member Needing Investing Advice
Replies: 10
Views: 658

Re: 54 year old new investor with no retirement savings

Note -You can get all the diversification you need with a three fund portfolio.
by RadAudit
Tue Apr 08, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 54 year old new investor with no retirement savings
Replies: 14
Views: 2526

Re: How often do you rebalance to maintain your AA

For my portfolio, whenever the AA exceeds the targeted range (+/-) in the IPS.

My wife's portfolio is rebalanced more frequently (daily?) because her portfolio is in a TR fund.

Just a note of clarification, almost all of our portfolios are in tax advantaged accounts.
by RadAudit
Tue Apr 08, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 1681

Re: Why Americans are Retiring Overseas

You do realize that this is a puff piece for a company pushing overseas retirement?
by RadAudit
Mon Apr 07, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9063

Re: Tough college choice

The students tend to gather in to groups defined by their self-interests, so size of the institution should not be a concern. No offense meant to the Fighting Blue Hens of Delaware; but, I wasn't aware that its name carried all that much cache in the fashion industry. Admittedly, it's not a field I'...
by RadAudit
Mon Mar 24, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 54
Views: 4040

Re: When the "very best" fail, should you be trying

It`s so stupid when you hire the best portfolio managers and their areas of expertise generates unsatisfactory returns as does their respective indices and you let them go only to replace them with the same kind of managers with the same skills and expect miracles from their areas of expertise when...
by RadAudit
Fri Mar 21, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: When the "very best" fail, should you be trying
Replies: 12
Views: 1530

Re: Charles Ellis "Letter to Grandkids"

Thanks, SpringMan.
by RadAudit
Fri Mar 21, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: Charles Ellis "Letter to Grandkids"
Replies: 9
Views: 2275

Re: Is Vanguard's portfolio watch tool broken?

Have you considered contacting Vanguard to discuss? Why, yes I have now that you mention it. I've given up asking Vanguard about when I can expect Portfolio Watch to be corrected. I think I've joined hale2's camp. One of the parts that I don't understand is why would Vanguard allow this part of it'...
by RadAudit
Wed Mar 19, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 23
Views: 1869

Re: Your thoughts on vacation home or second home

Rent your fantasies.

I've seen many a home on the Outer Banks with a For Sale sign in front of them for years before they were sold.
by RadAudit
Tue Mar 18, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 3617

Re: Is Vanguard's portfolio watch tool broken?

Some parts of it are / were. I raised the question a couple of times about the bond credit quality numbers I was getting out of the program. Here's the discussion about TR 2015. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=127530&hilit=+portfolio+Watch Additionally, they don't incorpo...
by RadAudit
Mon Mar 17, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 23
Views: 1869

Re: Investment Advice Please

ok so yearly...how does the purchase and enrollment periods work? Don't have a clue. You might want to ask someone at work. What it looks like to me - and there is no way I can know for sure - is that you can enroll in this plan between the specified dates. Then they take out money out of your payc...
by RadAudit
Sat Mar 15, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Please
Replies: 13
Views: 706

Re: Investment Advice Please

As a general rule, it is usually a good practice to diversify your portfolio. Keeping a large amount of money in company stock is usually not considered to be a good approach because you'd have your salary and investments in one company. So taking the money out as soon as possible and funding the Ro...
by RadAudit
Sat Mar 15, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Please
Replies: 13
Views: 706

Re: How did you decide how much to save?

I expected many people would do some calculations (e.g., if I save $X for Y years at a Z% return, I'd reach my goal). Almost no one did this. As I recall, from almost 30 years ago when I had already been at work for 15 years, I got out an old finance book and did some pencil and paper calculations....
by RadAudit
Sat Mar 15, 2014 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9182

Re: What is your 2013 Federal Effective Tax Rate?

Thanks to all for posting to the poll and / or sharing your thoughts. The insights concerning taxes and the tax code are illuminating. Couple of take aways for me: I'm reminded that why some folks don't post polls I'm also reminded why keeping taxes low is part of the Bogleheads' philosophy. Some of...
by RadAudit
Thu Mar 13, 2014 7:35 am
 
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 73
Views: 4723

Re: What is your 2013 Federal Effective Tax Rate?

joe8d wrote:Marginal Tax Rate is what's important,not Effective.


True. Given the way the comments are going so far, I'll let you post that poll.
by RadAudit
Wed Mar 12, 2014 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 73
Views: 4723

Re: What is your 2013 Federal Effective Tax Rate?

sscritic wrote:Instead of wasting my time answering your restricted poll, I am wasting my time telling you that I am not answering your poll.


Thank you for your time; but, if you choose, you can use an effective tax rate as you define and calculate it. Didn't mean to be restrictive. After all, it's your tax rate.
by RadAudit
Wed Mar 12, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 73
Views: 4723

Re: What is your 2013 Federal Effective Tax Rate?

How are you defining it? I'm using Turbo Tax for reporting consistency. I'll go with that definition - or one you choose, if you prefer. I know TT puts out a number, but I don't agree with it. Effective Federal Income tax rate should be Ordinarily, I'd agree. But, I thought I'd keep it simple.
by RadAudit
Wed Mar 12, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 73
Views: 4723

What is your 2013 Federal Effective Tax Rate?

OK, it's well in to the our favorite time of the year - tax filing time. I've never seen this type of poll on this forum. So, here goes. Pardon the range on effective tax rates. If I guessed too low (although 50%+ seems a tad high to me), excuse me for underestimating your income producing ability. ...
by RadAudit
Wed Mar 12, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 73
Views: 4723

Re: Why is index investing better considering these funds

Can you explain why you would invest in index funds considering the following comparison (Index funds proposed by Canadian Couch Potato http://canadiancouchpotato.com/model-portfolios/ vs funds proposed by my financial planner (results after fees)) : Welcome to the forum. The question is not stupid...
by RadAudit
Tue Mar 11, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why is index investing better considering these funds
Replies: 23
Views: 3031

Re: 62 years old - starting all over again

C'mon guys, let's give this individual the benefit of the doubt. You have to admit it's a little more challenging to provide a decent recommendation for this situation than for some posts - not that I have anything to offer in the way of financial advice. OP, welcome to the forum. Save. If you are g...
by RadAudit
Thu Mar 06, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: 62 years old - starting all over again
Replies: 27
Views: 4431

Re: Two separate US and ex-US index funds vs one global DM f

I was thinking that I could adjust the invested amount every month by investing the most in the region that performed the worst, Rebalancing monthly is not necessary. Some folks rebalance annually and think it is more than adequate. Some folks rebalance using % differences from a base AA and may go...
by RadAudit
Wed Mar 05, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: Two separate US and ex-US index funds vs one global DM fund
Replies: 6
Views: 516

Re: Questions for dads financial adviser

I wouldn't even mention anything about Bogleheads. No use in getting in to a discussion about competing philosophies. The adviser wanted to meet with you and talk about his approach. Let him talk. Past track records compared to an appropriate index or combination of indices, overall risk levels of t...
by RadAudit
Tue Mar 04, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for dads financial adviser
Replies: 14
Views: 1050

Re: Two separate US and ex-US index funds vs one global DM f

selters wrote:For my developed markets exposure the lowest cost index fund available is one that tracks the MSCI World index and has a an annual expense ratio of 0.30%


Welcome to the forum.

Doesn't this fund automatically rebalance among regions? If not, how does it track a world index?
by RadAudit
Tue Mar 04, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: Two separate US and ex-US index funds vs one global DM fund
Replies: 6
Views: 516

Re: Question for Oenophiles!

There's a $40 difference between a $10 bottle of wine and a $50 bottle of wine.

According to the owner of a local wine shop, if you are drinking wine with dinner, there is very little reason to spend as much as $10 a bottle for wine.
by RadAudit
Tue Mar 04, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Question for Oenophiles!
Replies: 19
Views: 1246

Re: Allan Roth on "Richest Guy in the Graveyard"

Thanks, Mr. Roth. Lot to think about. Lot of things to work on. "The goal isn't to be the richest guy in the graveyard." or the poorest surviving spouse sleeping under a bridge. Sleeping under a bridge is what a 95% success rate looks like 5% of the time. It's the task of plotting an accep...
by RadAudit
Sat Mar 01, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allan Roth on "Richest Guy in the Graveyard"
Replies: 53
Views: 6475

Re: Vanguard International Funds

However, on the domestic stock side I have recently consolidated my active funds into VTSAX (Total Stock Market Fund), realizing that indexing is the best way to go for me. I believe, over time, you'll find that indexing works just as well in the international markets and for the same reason. Low c...
by RadAudit
Fri Feb 28, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Funds
Replies: 10
Views: 1204

Re: Investing lump sum advice

Welcome to the forum.

Start here.

http://www.bogleheads.org/wiki/Getting_Started

If you have specific questions

viewtopic.php?t=6212
by RadAudit
Thu Feb 27, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing lump sum advice
Replies: 4
Views: 628

Re: Inheriting money, then leaving it to your kids

sscritic wrote:I don't think that was the abbreviations guy frugaltype was talking about. My interpretation was that he wanted the guy who wanted to ban all abbreviations, but that guy apparently missed RadAudit when he culled the herd.


I've been late to get the word on a number of issues.
by RadAudit
Wed Feb 26, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Inheriting money, then leaving it to your kids
Replies: 23
Views: 1929
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