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Re: What Movie Have You Recently Watched?

Exodus.

Preferred the book.
by RadAudit
Thu Dec 18, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 254
Views: 27158

Re: Curious- how much do Vanguard executives earn?

They are making more for the owners in total (includes a number of Bogleheads posting here) than they are paid. So, I guess they earn every bit of what they are paid. And they are paid enough to keep employee turnover within that group at the levels that are acceptable to the Board and consistent wi...
by RadAudit
Wed Dec 17, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Curious- how much do Vanguard executives earn?
Replies: 4
Views: 1551

Re: Odds of portfolio survival = 90%; odds of my survival =

One of the hardest things I've had to learn, getting older, is that even though I'm smart and well-educated, I'm not a "special snowflake." All snowflakes are unique. That makes them special. Of course, I could be wrong. But if you find two exactly alike, please PM me. Edit: Sorry, I may ...
by RadAudit
Tue Dec 16, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 167
Views: 9071

Re: Does your work define you?

When you are introduced, do you say "I am a financial analyst (or whatever)"?. Try to say "I work as a financial analyst" or "I'm employed as a financial analyst" It's a small step toward breaking the my work is my identity problem. You are more than the sum of your par...
by RadAudit
Sun Dec 14, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Does your work define you?
Replies: 30
Views: 2699

Re: I'm an Irrational Bond Chicken Little

It sort of depends on how irrational you might be. If you are really want to worry, there's always total default and / or hyper-inflation. In either case, very few bonds would be "safe." Then again few other paper assets would be safe, either - at least to my way of thinking. So, what para...
by RadAudit
Sun Dec 14, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm an Irrational Bond Chicken Little
Replies: 32
Views: 2918

Re: How to help Grandchild with tuition

If I recall correctly, money given to either the parent or the child directly will count as an asset in the calculation for the kid's eligibility for student aid. So the amount of student aid the child may get may / will be unfavorably impacted. You might want to let the parents run those numbers th...
by RadAudit
Sat Dec 13, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to help Grandchild with tuition
Replies: 7
Views: 891

Re: My first non fee adivsor meeting..confused

Call Vanguard. I'm sure someone there can figure out something for you.
by RadAudit
Fri Dec 12, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4602

Re: FAFSA and Paying for College

Oh, joy. Now we have to pay for his room and board for up to 20 years.

Can't we just garnish his wages until he pays back 5X whatever the kid got in student aid plus interest at 10%+ and call it a day?
by RadAudit
Thu Dec 11, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: FAFSA and Paying for College
Replies: 3
Views: 379

Re: What is the best meal you've had at a restaurant?

I managed a project for a Bermuda client about 30 years ago that required me to take about a dozen business trips to Bermuda over a 3 year period. I ate at many restaurants all over the island and can honestly say I never had a bad meal. The food was consistently very good to excellent. I cannot re...
by RadAudit
Wed Dec 10, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6535

Re: Fundamental Theory of Index Investing

Welcome to the forum. This topic has been debated on this forum through many threads. If there is a consensus, I believe you've answered your own question. The world does not long tolerate such inequities. Not everyone is cut out to be an indexer. So, more money will flow to the money manager who ca...
by RadAudit
Tue Dec 09, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Fundamental Theory of Index Investing
Replies: 16
Views: 1373

Re: Emergency Fund: does it need to be in cash? VSCGX?

I sure hope an EF doesn't need to be in cash. I've got mine in a short term bond fund (VBIRX[?]), primarily for convenience and expenditures beyond pensions and SS in the year ahead. I can get the money in to a checking account in a couple of clicks and two or three business days. The interest rate ...
by RadAudit
Fri Dec 05, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund: does it need to be in cash? VSCGX?
Replies: 32
Views: 1286

Re: Update: 6 years into Buffett's Bet With Hedge Funds

I'm glad to see that the Morningstar article identified the hedge fund on the other side of the bet.

If those folks can't do basic math, may be you don't want to invest with them.

At least a charity might make money on this promotion.
by RadAudit
Thu Dec 04, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Update: 6 years into Buffett's Bet With Hedge Funds
Replies: 24
Views: 2714

Re: Giving money to your alma mater: Have to vent

I'm sure you all have good reasons why you don't give to your alma maters. You are welcome to and / or justified in having those opinions. I have a slightly different point of view - one of gratitude. One can debate whether or not I earned my degrees. I do know that somewhere along the line one or m...
by RadAudit
Wed Dec 03, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16493

Re: Why Alpha is getting more elusive

Thanks, Larry. Good article.

I'm waiting for George Will to post and to confirm the baseball numbers.
by RadAudit
Sat Nov 22, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Why Alpha is getting more elusive
Replies: 28
Views: 3508

Re: What would be the investing strategy for a coming crash?

When you set your portfolio's AA, you arrived at the conclusion that the fixed income portion of the portfolio was adequate for your purposes given your need, willingness and ability to take risk. If you are overly concerned, you might want to revisit that decision.Make changes as required. Other th...
by RadAudit
Fri Nov 21, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 82
Views: 9142

Re: Rick Ferri 60/40 portfolio

I believe Mr. Ferri will probably never steer you but so far wrong and then never on purpose. This portfolio should be OK assuming it is consistent with attaining your goals, and matching your need, ability and willingness to accept the risks involved. Some on this forum think the Three Fund Portfol...
by RadAudit
Thu Nov 20, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri 60/40 portfolio
Replies: 18
Views: 4468

Re: What to prepare for first baby due next month?

Plan now to rotate the duties of putting the child to bed every night and rotate the duties of getting up during the night to feed and change the child. They do get use to certain routines and in some cases will except no substitute in the night time go to sleep rituals. No use in only one of you be...
by RadAudit
Thu Nov 20, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 4045

Re: Portfolio Stock Bond Ratio If Plan to Retire Early

Hmmm... this thread has given me more questions than it answered That's a frequent outcome around here - usually brought on by getting some opinions from some fairly bright folks (not me) that add perspectives that didn't occur to the OP at the outset. I've always thought of a million dollar networ...
by RadAudit
Wed Nov 19, 2014 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Stock Bond Ratio If Plan to Retire Early
Replies: 7
Views: 699

Re: Portfolio Stock Bond Ratio If Plan to Retire Early

Welcome to the forum. I've often heard to use your age as a percentage of your portfolio in bonds. If, for example, one planned to retire at 55 instead of 65, should he add 10 to his/her age in bonds and in this case a 35 year old would have a bond % of 55 and stocks of 35%? I've heard that, too. By...
by RadAudit
Wed Nov 19, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Stock Bond Ratio If Plan to Retire Early
Replies: 7
Views: 699

Re: Received an inheritance, clueless as to what to do with

I'm sorry for your loss. Welcome to the forum. I don't know if it has been mentioned before; but, another thread pointed out that the highest math you need to handle your investments is multiplication. And, if you don't want to push numbers around a piece of paper - a very low cost calculator (+,-,X...
by RadAudit
Wed Nov 19, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Received an inheritance, clueless as to what to do with it.
Replies: 29
Views: 4615

Re: Sam Walton's White Lie

Op, thanks for the post.

Loved the quote
never ... confuse “Net Worth” with “Self Worth.”
by RadAudit
Fri Nov 14, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sam Walton's White Lie
Replies: 3
Views: 1502

Re: More money equates to feeling poor?

I never knew I was poor until I started visiting this site. I believe the key was that we socialized with and lived among people of roughly similar economic circumstances who didn't discuss the accumulation of money. ( We may have lived next door to a millionaire; but, we weren't aware of it.) Yes, ...
by RadAudit
Thu Nov 13, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: More money equates to feeling poor?
Replies: 50
Views: 6061

Re: For Women on this forum and those who share their expert

the most complex math required to implement and maintain the BH portfolio is multiplication. And for that, I am truly grateful. It's probably one of the key reasons I can stay a BH. - most of the relevant calculations can be done with a 1970's hand held calculator. or as noted in "Other People...
by RadAudit
Thu Nov 13, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: For Women on this forum and those who share their expertise
Replies: 43
Views: 4666

Re: Your car(s) are equal to how many months income

We just replaced an 18 year old car with a new to us car. Now if you had asked last week ....
by RadAudit
Wed Nov 12, 2014 6:34 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6246

Re: How can I convince my wife to accept investing??

How much money do you need at retirement to live the life you want to live? Haven't figured that out yet, but I am sure it is much more that I am able to save under my pillow, out of my current salary. I'm sorry. I was using the plural form of the word "you" - as in, you and your wife. An...
by RadAudit
Tue Nov 11, 2014 11:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I convince my wife to accept investing??
Replies: 54
Views: 5328

Re: How can I convince my wife to accept investing??

How much money do you need at retirement to live the life you want to live?
by RadAudit
Tue Nov 11, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I convince my wife to accept investing??
Replies: 54
Views: 5328

Re: How can I convince my wife to accept investing??

You should do what your wife wants. Additionally, just figure out how much money you need at retirement to live on for the rest of your natural life, divide that number by the years left to retirement and save that amount of money each year. At retirement, just withdraw the predetermined annual amou...
by RadAudit
Tue Nov 11, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I convince my wife to accept investing??
Replies: 54
Views: 5328

Re: Garden questions - the final call

This is more of a bump up.

Call your state agricultural university extension agent. They love these questions.
by RadAudit
Tue Nov 11, 2014 6:53 am
 
Forum: Personal Consumer Issues
Topic: Garden questions - the final call
Replies: 7
Views: 928

Re: Supreme Court Blues

Time has a way of answering these types of questions. You might want to wait.
by RadAudit
Sat Nov 08, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Supreme Court Blues
Replies: 34
Views: 2210

Re: Paper on Market Timing

Outperformance is achieved by timing exposure to beta using a rolling 4-week relative strength signal of the Utilities sector to the market. The strategy rotates into Utilities when the investing environment is more favorable towards lower-beta equities and into the market when the investing enviro...
by RadAudit
Sat Nov 08, 2014 7:42 am
 
Forum: Investing - Theory, News & General
Topic: Paper on Market Timing
Replies: 3
Views: 946

Re: AA...any other crazy 80/20 folks out there?

WalterMitty wrote: I wanted to reach out and see if there are any others out there in the 80/20 world


Check VG's target retirement funds. At 20 years from retirement, there's a whole lot of folks at 80/20.
by RadAudit
Tue Nov 04, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 4966

Re: My Portfolio - Critiques Wanted

I don't see any reason why I can't/shouldn't be invested 100% in equities for the next 5-10 years (perhaps you can change my mind on this point). Welcome to the forum. I was never any good at changing anyone's opinion. Doubt if I can change yours. Fortunately, it takes all kinds to make a market. B...
by RadAudit
Wed Oct 29, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Portfolio - Critiques Wanted
Replies: 9
Views: 992

Re: A Challenge for Bogleheads - the market has changed

More than that, he has also suggested that the Boglehead philosophy won't work any longer due to the changing markets. As I understand it, the Boglehead philosophy doesn't actually promise that you'll get rich beyond the dreams of avarice and greed. I believe that it will get you very close to mark...
by RadAudit
Wed Oct 29, 2014 7:31 am
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 53
Views: 6880

Re: POLL: Gross Annual Retirement Income Before Taxes

Ops, thanks for the poll.

The fun thing about this poll is that with in a rather wide range - depending on how much you've saved / how large of a portfolio you've managed to accumulate and what SWR you choose - your income can vary substantially.
by RadAudit
Tue Oct 28, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Gross Annual Retirement Income Before Taxes
Replies: 25
Views: 2028

Re: new investor needs help

Welcome to the forum. I would suggest starting here: http://www.bogleheads.org/wiki/Getting_started Watch the videos. Read several of the recommended books. Take your time. Don't rush in to a course of action. A couple of months should give you enough time to read and understand. Let me be among the...
by RadAudit
Tue Oct 28, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: new investor needs help
Replies: 5
Views: 289

Re: Can you outperform?

I don't know. But that is one way to play the game. And the outcome should be pretty good - even if you don't outperform the index.

(A similar approach seemed to have worked for me over the last twenty five years or so.)

Best of luck.
by RadAudit
Thu Oct 23, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Can you outperform [an index by rebalancing]?
Replies: 12
Views: 1255

Re: The 1 Thing Successful Investors Never Do

Thanks for the post. few people know that they (Buffet and Munger) used to have a third partner: Rick Guerin. Guerin was in a hurry to get rich and was borrowing money using margin loans to invest in the stock market. In the market downturn of the early 1970s, when the stock market dropped roughly 7...
by RadAudit
Wed Oct 22, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: The 1 Thing Successful Investors Never Do
Replies: 12
Views: 4952

Re: Who do you trust when you must ask for advice.

Welcome to the forum. Trust your gut. My folks had and I still have an account at Ed. Jones. While I don't believe Ed Jones promotes unethical behavior, I do believe that some of their products / sales may not be at the lowest price available in the marketplace. I don't think that is necessarily une...
by RadAudit
Mon Oct 20, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Who do you trust when you must ask for advice.
Replies: 9
Views: 1182

Re: Why do people use age instead of life expectancy?

Thanks for posting the thread and thanks for the links to articles in the replies. Lots to think about. All I have to do is adopt a few of the suggestions in the first linked article and I've greatly reduced my chances of outliving my assets - one less thing to worry about. However, I did notice the...
by RadAudit
Sat Oct 18, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2975

Re: First time investor needs help

what should i do? ... Please help! 1) stay the course and implement the 6 month DCA Why, yes. Stay the course. It seems you developed a good, long term plan with a six month implementation time frame a couple of months ago. Stick with the plan. Rebalance back to your target AA when the portfolio va...
by RadAudit
Mon Oct 13, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: First time investor needs help
Replies: 13
Views: 942

Re: Making distributions to heirs.

Again, thanks to all for sharing their experiences and providing insights.

Obviously, my situation is nowhere as complex as some - yet. But you've given me some stuff to think about.
by RadAudit
Sun Oct 12, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1489

Re: Best town I've never heard of [for relocating]

How about either Boone, N.C. or Blowing Rock, N.C.?

Both towns appeared to be delightful places when I was up there a couple of years ago.
by RadAudit
Sun Oct 12, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10292

Re: Making distributions to heirs.

Thanks for the replies. They should help a lot.
by RadAudit
Sat Oct 11, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1489

Making distributions to heirs.

I would appreciate any guidance you would wish to share on how to make distributions to heirs from our assets / estate. We have a small estate which should allow DW and I to live in moderate comfort in retirement, travel some, help out the kids to some extent prior to our demise and still have somet...
by RadAudit
Sat Oct 11, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1489

Re: Real life windfall experiences?

A couple of years ago, I received a small inheritance. I paid off what was left on the mortgage and invested the rest IAW my AA. Nothing out of the ordinary. The problems arose with the receipt of the inheritance. Although small, it raised all sorts of questions about how to distribute my / our esta...
by RadAudit
Wed Oct 08, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Real life windfall experiences?
Replies: 23
Views: 4506

Re: Large Inheritance - Need Advice

As much as I wish to, I don't think I have the time or smarts to manage the money myself or ever get good at it. Based on the fact you came here and asked the question before you invested , you have the smarts to manage your money yourself. A lot of folks do it the other way around. As for time, I ...
by RadAudit
Tue Oct 07, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3627

Re: Retirement Portfolio Suggestions

but I'm trying to come up with something similar to that within the constraints of what I have available in the 401K plan. Should I use the S&P 500 index as the US stock fund within the 401K? Should I use some of the stable value fund as part of the Bond allocation? $300K in Vanguard Retirement...
by RadAudit
Fri Oct 03, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Suggestions
Replies: 13
Views: 1544

Re: Retirement Portfolio Suggestions

Look at the three fund portfolio in the wiki and in one of the threads on the forum.
by RadAudit
Fri Oct 03, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Suggestions
Replies: 13
Views: 1544
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