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Re: Need Help and totally confused!!

I'm sorry for your loss. Welcome to the forum. Folks better versed than I shall arrive shortly and provide more help. I'd open up savings accounts in eight local FDIC insured banks and / or nationally insured credit unions. I'd then deposit $225,000 in each account keeping the balance in each bank u...
by RadAudit
Wed Jul 23, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help and totally confused!!
Replies: 18
Views: 670

Re: So how long will I live? How long do I plan for?

Simply put. I stopped reading the obituaries. Too many folks dying that are younger than me (65). Act accordingly. Good luck! Why did you ever start ? My DW started reading obits while working at the welfare office. She said it was the easiest way to close out a case file. The habit of reading obit...
by RadAudit
Wed Jul 23, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: So how long will I live? How long do I plan for?
Replies: 55
Views: 4149

Re: VMMXX: Finally Pulled the Trigger

John, thanks for the post. Just like a number of the threads on the site, yours leads me to look at my portfolio and wonder why am I doing THAT :oops: (Whatever that is at the moment). Maybe I should move money from VMMXX to a short term bond fund while I wait for a planned short term need to appear...
by RadAudit
Tue Jul 22, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX: Finally Pulled the Trigger
Replies: 20
Views: 2543

Re: If you are a winner before fees, why not lower the ER?

The excess fees result in higher income to the corporation / owners of the fund?
by RadAudit
Tue Jul 22, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1131

Re: Portfolio review

mnvalue wrote:Why are you doing Roth with a 54% marginal rate???


Thanks for posting. I knew help would arrive.
by RadAudit
Mon Jul 21, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 15
Views: 1537

Re: Portfolio review

This is a bump up. Others will be along shortly - hopefully - to help out. I'll offer a few opinions on stuff I may have some limited experience in - not expertise, opinions. Our biggest question is probably around the stock/bond split. We've debated this at great length, and can't come to anything ...
by RadAudit
Mon Jul 21, 2014 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 15
Views: 1537

Re: VG Admiral Fund-falling below minimum investment

I once dropped below the limit; but, it was due to market action. They did not revoke Admiral status. Selling shares and dropping below the limit may be another story.

But as noted above; we've run this question a number of times.
by RadAudit
Sun Jul 20, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 35
Views: 2991

Re: Article: Conversation with John Bogle - Part II

I liked the answer Mr. Bogle gave to a financial adviser on what to tell a client when the client discovers he doesn't need the adviser I again answer, ‘Do the same thing. Nothing.’ Then the client says, ‘What do I need you for?’” The adviser asked me, “How do I answer that question?” I said, your a...
by RadAudit
Thu Jul 17, 2014 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Article: Conversation with John Bogle - Part II
Replies: 11
Views: 1451

Re: New Grad needing some advice

When you are finished implementing the above information, you may want to read over the stuff here, watch the videos and read some of the recommended books http://www.bogleheads.org/wiki/Getting_started
by RadAudit
Tue Jul 15, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Grad needing some advice
Replies: 14
Views: 1141

Re: A study on active management

that the proportion of skilled fund managers has diminished rapidly over the past 20 years, while the proportion of unskilled fund managers has increased substantially Nice article. Thanks for the link. Loved the conclusion. I'm wondering if the total number of skilled fund managers is essentially ...
by RadAudit
Mon Jul 14, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: A study on active management
Replies: 2
Views: 599

Re: What after-tax income could you live on today?

Does it strike anyone else as odd that the lowest amount of money 1/5 of the respondents can live on is 2X the US average income for a family of four? (If I can remember the numbers correctly)
by RadAudit
Sun Jul 13, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 4863

Re: Investing is starting to get boring

Paul Samuelson: Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.


Looks as if you might be on the right track.
by RadAudit
Sun Jul 13, 2014 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 3840

Re: Changes to Vanguard Balance and Personal Performance tab

For the chart, mine showed five years, as little as a week ago, I think. Now it seems to be showing precisely 10 years. Ditto for personal performance. They may be on a slow roll out of the option. My "Balances Over Time" and "Personal Performance" tabs show five years of data. ...
by RadAudit
Thu Jul 10, 2014 7:10 pm
 
Forum: Investing - Theory, News & General
Topic: Changes to Vanguard Balance and Personal Performance tabs
Replies: 18
Views: 2089

Re: Retiring without any Direction

The "Yes, but" game can go on forever.
by RadAudit
Mon Jul 07, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2045

Re: Teaching Kids the Rules of Investing.

Welcome to the forum. You might want to look over some of the material at this link for some ideas. http://www.bogleheads.org/wiki/Getting_started It's a good idea to start early and keep it simple. I send my kids a copy of the philosophy and the principles every year just as a reminder and links to...
by RadAudit
Sat Jul 05, 2014 7:24 am
 
Forum: Investing - Theory, News & General
Topic: Teaching Kids the Rules of Investing.
Replies: 17
Views: 1993

Re: Fidelity customer with Vanguard envy

A number of folks on the site are trying to simplify their holdings. You're trying to complicate your holdings. If the only reason to go to Vanguard is to buy a competitively priced TSM, run the numbers and see how much this wrinkle in portfolio is going to cost / save you. Then ask yourself, is it ...
by RadAudit
Thu Jul 03, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer with Vanguard envy
Replies: 13
Views: 1272

Re: The Millionaire Next Door: Are You One?

See another snap judgement:) What do you think about the snap judgements that people make when they see someone driving a BMW I think the individual hasn't read Consumers Report on the car's probable maintenance history. freddie, I'm sorry. I misread the question. Obviously, that's what I think whe...
by RadAudit
Wed Jul 02, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22160

Re: The Millionaire Next Door: Are You One?

freddie wrote:What do you think about the snap judgements that people make when they see someone driving a BMW


I think the individual hasn't read Consumers Report on the car's probable maintenance history.
by RadAudit
Wed Jul 02, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22160

Re: stamp collection

Most stamp collections are sold by the pound, or so I remember being told once a long time ago. YMMV

You can start your search here. http://stamps.org/Home or here http://www.americanstampdealer.com/
by RadAudit
Tue Jul 01, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: stamp collection
Replies: 19
Views: 1109

Re: Starting out???

The best way to start out, IMO, is to invest in a Target Retirement Fund that matches / comes close to your desired asset allocation. Of course expenses still count. Then when you accumulate enough so you can switch to investing in individual funds, do so.

Other opinions may vary.
by RadAudit
Sun Jun 29, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting out???
Replies: 14
Views: 894

Re: How much to retire

Bill Bernstein in a 16 page pamphlet for millennials uses projections of real returns and provides a link to a spreadsheet. Don't know if the spreadsheet is still active; but, his explanations should give you a starting point. The specific numbers are most of the way through the section noted Hurdle...
by RadAudit
Sun Jun 29, 2014 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: How much to retire
Replies: 21
Views: 2919

Re: What is simple enough to understand, and therefore inves

I found that if I understood, at some level, the basic theories underlying investing in the stock market and in mutual funds that picking out investments and staying the course was easier. The efficient market hypothesis (EMH) - loose form - seems to help frame the discussion. Basically, the market ...
by RadAudit
Sat Jun 28, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: What is simple enough to understand, and therefore invest in
Replies: 27
Views: 1890

Re: "Being Done" Saving: White Coat Investor blog post

I often get the feeling that the goalposts are moving further back and at the same time, someone is taking the air out of the football. There's a lot of that going around. Has been for years. Been there, done that. I started my career in the early 1970's. The only advice I can give - from personal ...
by RadAudit
Fri Jun 27, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 7612

Re: If You Can [free Bill Bernstein booklet for millennials]

Well, there's always someone who's late to get the word. In this case, it's me.

It's a quick enjoyable and informative read. I found it interesting how he explained the recommended 15% saving rate and he tied it to the expected real returns.

Sent the link to the kids.
by RadAudit
Fri Jun 27, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: If You Can [free Bill Bernstein booklet for millennials]
Replies: 28
Views: 4940

Re: Modeling the Worst Case for Stocks

The worst case? The volcano under Yellowstone blows.

Or, as they say in Dr. Strangelove - I'm not saying we won't take a hit. Maybe 20, 30 million tops.
by RadAudit
Thu Jun 26, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Modeling the Worst Case for Stocks
Replies: 41
Views: 3074

Re: [Poll] Do you use automatic investment?

If we are discussing only periodic and automatic transfers from the bank account, the answer is no. However, the 401(k) and its predecessor were funded from the paycheck for 38 years - so that was periodic and automatic. Now that I'm retired, the RMDs and cap gains / dividends are periodically and a...
by RadAudit
Thu Jun 19, 2014 8:43 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Do you use automatic investment?
Replies: 30
Views: 1242

Re: Why 'I'll just work longer' is not a good retirement pla

Does this mean that people should get their nest egg in place before age 60? Or could one say if you have to drop out of the work force before age 60, then you probably do not need to plan to age 95? I tend to agree that your nest egg ought to be pretty much in place by the age of 60. However, I do...
by RadAudit
Tue Jun 17, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Why 'I'll just work longer' is not a good retirement plan
Replies: 8
Views: 1772

Re: Need Investment advice for Retiree with Defined Pension

I'm a few years ahead of you having retired about three years ago. Most of the expenses are covered by a defined benefit pension and SS. Still, unexpected but necessary - and nice - expenses do pop up. So, I'd stay with a more conservative portfolio vs. a more aggressive portfolio for the first seve...
by RadAudit
Sat Jun 14, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Investment advice for Retiree with Defined Pension & SS
Replies: 21
Views: 1575

Re: "Sensible Investing"

Thanks for the link.

It sure sounds sensible when said with a British accent.
by RadAudit
Fri Jun 13, 2014 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: "Sensible Investing"
Replies: 2
Views: 636

Re: Time to Sell Index Funds While Market Is High?

What does your IPS say you should do? Are you comfortable with your AA? Has your need, ability or willingness to take risk changed? Have you hit your number? A lot of questions need to be answered. If you haven't rebalanced in a couple of years, it might be time to re-visit your IPS. I recommend tha...
by RadAudit
Thu Jun 12, 2014 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to Sell Index Funds While Market Is High?
Replies: 37
Views: 3689

Re: Better late than never?

It's important that you have some background before you start.

Here's a link to getting started. Read the linked articles, watch the videos and read a few of the recommended books. http://www.bogleheads.org/wiki/Getting_started

Good luck
by RadAudit
Mon Jun 09, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Better late than never?
Replies: 7
Views: 783

Re: The 2 comma paradox

Thanks for the post, Op. Yes, I have a number of concerns now that I'm a door keeper in the house of the two comma club. It took a while to get there - close to 39 years of employment. And it took a rather aggressive AA through most of that time to have the chance to accumulate that amount of money....
by RadAudit
Sun Jun 08, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14222

Re: How to rebalance my portfolio

niceguy raises important questions. How much money is involved in this portfolio? What would be the capital gains / taxes for such a move? Of course, there are other paths to the same goal. New money (contributions) could go to VTWSX as it becomes available. Cap gains and dividends / interest from V...
by RadAudit
Thu Jun 05, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to rebalance my portfolio
Replies: 13
Views: 661

Re: New to site - Looking for help with beginning

If you are going to use the money for a down payment on a home in the next couple of years, use CDs or a short term bond index fund (VBIRX).
by RadAudit
Thu Jun 05, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: New to site - Looking for help with beginning
Replies: 3
Views: 290

Re: When to asset allocate

This is more in the line of a bump up.

The trip of a thousand miles begins with a single step. Since you've been around for a while you know that the best answer is to just jump right in. However, why do something you don't want to do? So, just dollar cost average.
by RadAudit
Wed Jun 04, 2014 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to asset allocate
Replies: 4
Views: 359

Re: Should I get free SolarCity panels installed?

I don't know about SolarCity electrical panels; however, I have had solar hot water panels on the house for 20+ years. Those panels are on the back of the house and on the roof. The house is two stories. You can't see them from the front of the house. You have to walk to the back property line to se...
by RadAudit
Wed Jun 04, 2014 8:50 am
 
Forum: Personal Consumer Issues
Topic: Should I get free SolarCity panels installed?
Replies: 14
Views: 1241

Re: Technical Analysis Drags Down Performance

Mr. Ferri, thanks for the quote of the day.
by RadAudit
Mon Jun 02, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Technical Analysis Drags Down Performance
Replies: 52
Views: 2398

Re: Total Bond Index Fund and Retirement

… as long as you rebalance and the SWR rate is relatively low. Without rebalancing, …. The Vanguard article I linked goes into some detail about rebalancing along the way and is consistent with some info posted by Larry Swedroe and others. Thanks for the reminder. Missed it the first time through. ...
by RadAudit
Sun Jun 01, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund and Retirement
Replies: 16
Views: 1992

Re: Total Bond Index Fund and Retirement

OP, I'm a couple of years older than you and have been retired for a few years. I'm getting by on a two small pensions and a little social security. I fill in to cover expenses, when necessary, with withdrawals from a smallish portfolio that is ~ 50% stocks and ~50% bonds. I plan to stay under a 3% ...
by RadAudit
Sun Jun 01, 2014 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund and Retirement
Replies: 16
Views: 1992

Re: Good Bogle Interview in June AAII-Early Preview

I'm sure someone violated some copyright laws somewhere with this extensive quote from the article. Moderators will be along shortly to answer your questions. Other than that, thanks for the post. Additionally, I don't read Mr. Bogle as being negative. Tired maybe. But he sounds as if he is laboring...
by RadAudit
Fri May 30, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: Good Bogle Interview in June AAII-Early Preview
Replies: 19
Views: 1509

Re: All in one retirement simulator

Seems like a good first step. Others have wrestled with similar questions and how to develop a financial product using available financial tools to answer the question and sell the "black box" to the masses at a profit. I just don't know the guts of the black box and / or how to use the av...
by RadAudit
Fri May 30, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: All in one retirement simulator
Replies: 11
Views: 1718

Re: The Challenge of Funding Retirement -Robert Merton

BobK, Thanks for the link. Interesting stuff in the first hour and a half. I'd have loved to see the other slides that explained how his black box of delivering a target retirement income 35 years out to the uninformed and non-engaged actually worked - but then I didn't pay for the course. And the l...
by RadAudit
Thu May 29, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: The Challenge of Funding Retirement -Robert Merton
Replies: 16
Views: 3886

Re: Your Company Ever Been "Spun-Off"? Any Stories/Suggestio

Sometimes these things work out. YMMV. I'd be concerned about the upcoming "spun-off" affiliates are currently operating at a loss...This is a substatial workforce (~5,500 people or half of our workforce of the parent comany- but only 10-15% of our assets..go figure). On the surface that l...
by RadAudit
Wed May 28, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Your Company Ever Been "Spun-Off"? Any Stories/Suggestions?
Replies: 23
Views: 1826

Re: Decision about job/home

Welcome to the forum. You do know this is a personal (joint) decision and there is no single correct answer. So, I'll give this a bump up. What are you and your spouse's goals? What are the timelines to these goals? I'd run the numbers and see how / if you can reach your goals under various combinat...
by RadAudit
Tue May 27, 2014 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decision about job/home
Replies: 1
Views: 260

Re: Pursuing your calling in life at what cost?

There's a saying on the forum, from time to time, that if you've won the game, why continue to play the game? I don't know if it applies to your situation because it's usually applied to US dollar based portfolios that are to be used / consumed in the US. Just because you're going to pick up your wi...
by RadAudit
Tue May 27, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursuing your calling in life at what cost?
Replies: 58
Views: 4513

Re: Help with elderly portfolio -- nearing end of draw down

My question pertains to asset allocation. In people their age nearing the end of the assets, what asset mix makes the most sense? To answer the specific question, the general rule of thumb is either 100 - age or 110 - age, if I recall correctly. So as a place to start, the portfolio should have no ...
by RadAudit
Mon May 26, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with elderly portfolio -- nearing end of draw down
Replies: 25
Views: 1987

Re: 64 YROld Romance Rekindles:Upsets Daughters

Life is for the living. At 85, there may not be too much of it left to celebrate so if it is works for them, I'd suggest DD try to be happy for them. She might consider it as her gift to him. And, sometimes these things work out for the best. You really can't know the future. If signs of abuse begin...
by RadAudit
Sun May 25, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: 64 YROld Romance Rekindles:Upsets Daughters
Replies: 19
Views: 1747

Re: The in-laws are broke!

You do, of course, realize how many people in the US are living quite happily in a paid off house on social security and a small pension? It really isn't as big an imposition as one might think. I believe doing some grocery shopping for them twice a month, instead of dinner out, is an excellent idea...
by RadAudit
Sun May 25, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16175

Re: I need some "hand-holding" right now...

Welcome to the forum. Heed LadyGeek's advice. I'm not the one of the smart ones. But, I'll try to offer a few words of hope; although, just as a warning, the last few I tried to help jumped off the bridge. I am very fearful of what many are saying is soon to happen to the U S dollar, hyperinflation,...
by RadAudit
Sat May 24, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: I need some "hand-holding" right now...
Replies: 51
Views: 5333

Re: You know you're a Boglehead when ...

When you get in to a heated discussion about whether or not Piketty's thesis is sufficiently undermined by his data.

Sorry, didn't mean to hijack a thread and I don't want it locked; but, before this forum I'd never of had that discussion.
by RadAudit
Sat May 24, 2014 12:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 15764
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