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Re: Can doctors charge more than co-pay?

Grasshopper wrote:I always wonder how the people of Wal-Mart figure this stuff out. :confused


I resemble that remark.
by Riprap
Mon Feb 02, 2015 9:21 am
 
Forum: Personal Consumer Issues
Topic: Can doctors charge more than co-pay?
Replies: 51
Views: 4599

Re: Becoming a RIA - how realistic, how to learn practically

I understand that becoming an RIA requires passing the Series 65 exam, and maintaining the license. However, my question for folks here who were from non-finance background and became an RIA is, how realistic is it for someone to become a RIA, and how does he learn the non-theory aspects of becomig...
by Riprap
Sun Feb 01, 2015 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Becoming a RIA - how realistic, how to learn practically?
Replies: 4
Views: 516

Re: The lowest stock allocation you plan to stay with

It really depends the most on two things I think: - How much savings do you have, i.e. how low is your withdrawal rate - How well do you react to market swings emotionally Once your withdrawal rate for expenses is low enough it turns out "survival rate" for your portfolio is almost indepe...
by Riprap
Fri Jan 30, 2015 10:54 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4334

Re: The lowest stock allocation you plan to stay with

I'm not sure. Due to my long term goals, I don't plan to rebalance out of stocks into bonds. After reading Deep Risk and Winning The Loser's Game, I have come to believe that inflation poses the biggest risk to my long term plans. Market volatility no doubt will cause emotional distress along the wa...
by Riprap
Fri Jan 30, 2015 9:33 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4334

Re: What is your BMI?

Just had the annual wellness check for work. 23.5, same as the last four years :happy That, along with the straight A's I received on my bloodwork and BP ensures my health insurance premiums remain virtually free... Care to explain free health insurance premium? Some sort of incentive offered by em...
by Riprap
Thu Jan 29, 2015 9:02 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 2040

Re: "Retiring in a Low-Return Environment"

Well, one bright spot might be the assumption of using a 50 basis point management fee. As low cost Bogleheads whose expenses are likely 1/3 of that, I wonder how the numbers would change?
by Riprap
Thu Jan 29, 2015 10:24 am
 
Forum: Investing - Theory, News & General
Topic: "Retiring in a Low-Return Environment"
Replies: 71
Views: 7323

Re: If you were going to retire at 57 what would your number

My number would be a multiple of annual expenses to include an allowance for one time major expenses like a new roof, automobile replacement etc. My own personal number is rather extreme and likely would not contribute much toward an answer you're looking for.
by Riprap
Mon Jan 12, 2015 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: If you were going to retire at 57 what would your number be?
Replies: 35
Views: 4034

Re: "Vanguard Group execs say deflation a real risk..."

Did they say what to do in order to benefit from deflation? Or at least how to take advantage of deflation? When everyone knows something, frequently it is something not worth knowing. Maybe there will be deflation, maybe there won't. Major market moves tend to come from unanticipated events. I thi...
by Riprap
Fri Jan 09, 2015 11:51 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Group execs say deflation a real risk..."
Replies: 61
Views: 6309

Re: New vanguard Rep

Even though I'm assigned a Flagship Rep at Vanguard, on the rare occasion I need to speak to someone I just ask my question to who ever answers the phone with satisfactory results. My representative has never been available to take a call right away yet most of my questions are fairly basic administ...
by Riprap
Wed Jan 07, 2015 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: New vanguard Rep
Replies: 25
Views: 2763

Re: What Book Are You Currently Reading? Part VI

7 by Jen Hatmaker

I received the book as a gift, so I felt obliged to read it. I think it was probably one of the worst books I have read in the last several years.
by Riprap
Sat Jan 03, 2015 12:20 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 503
Views: 67589

Re: Poll: How important is rebalancing?

As with most things in life, it depends. If one's withdrawal rate is fairly low or has an excessively large LMP, I think it is ok let the stock allocation drift upward over time, especially in taxable accounts. One of the biggest gifts in the tax code is the step up in basis at death. Admittedly, th...
by Riprap
Mon Dec 22, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 51
Views: 5698

Re: How do you define "being rich"?

Good video on the "being rich" https://www.youtube.com/watch?v=p5X5lPTA-kc I watched this video which seemed to be made around the 2007 - 2008 time frame. The "new" rich people were hedge fund types and another guy who build a mortgage empire. I wonder if they were still rich a ...
by Riprap
Sun Dec 21, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9549

Re: Having Trouble Finding a Used Car - Would you Hertz/Ente

I detest the car buying process! :annoyed Having said that, I bought a car from Enterprise and was extremely pleased with the process.:D Competitive, no haggle pricing. Reasonable rate to ship car to your location if model is not available locally. I was able to charge the full amount of the purchas...
by Riprap
Sat Dec 20, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Having Trouble Finding a Used Car - Would you Hertz/Enterpr?
Replies: 20
Views: 1869

Re: Any pilots here?

Commercial certificate (single engine land) with instrument rating. Considering pursuing CFI in retirement (after I get a handle on liability exposure). Flying makes no financial sense for me, but aviation is one of my passions that brings me much joy and happiness. Adopting Boglehead ways in all ot...
by Riprap
Thu Dec 18, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 6048

Re: Flagship

At the risk of being a wet blanket, IMO the whole Flagship thing is just a marketing gimmick used to stroke egos. For most stay the course Bogleheads there isn't really any benefit that I can see.
by Riprap
Thu Dec 18, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Flagship
Replies: 22
Views: 3045

Re: Avoiding lifestyle creep

ETA: and while I want to save more for college, I'm not sure I want the money in a 529.... I agree with this. I placed money ear marked for children in a UTMA/UGMA accounts. Not all kids are cut out for college or some kids may get full ride scholarships where the $ isn't needed for education. I le...
by Riprap
Tue Nov 25, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5606

Re: How to Plan for an Unknown Future

placeholder wrote:As a fellow engineer I will counsel you not to try to apply engineering methods to non engineering problems.


Post of the year!
by Riprap
Mon Nov 24, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: How to Plan for an Unknown Future
Replies: 23
Views: 2049

Re: How do you track the value of your illiquid assets ?

madbrain wrote:How do you value this type of illiquid assets ?


I don't.

I might estimate replacement cost for insurance purposes, but that's about it.
by Riprap
Tue Nov 11, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you track the value of your illiquid assets ?
Replies: 50
Views: 3398

Re: Dish Network and CNN

Not that this is a competition, but i got $5 off for 6 months for this issue. I always try to maximize my returns for complaints calls - I was offered 6 months and asked for 12 months and was refused ;) +1 I was offered and accepted $5 for 6 months. This will pay for a night out to our favorite res...
by Riprap
Wed Nov 05, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Dish Network and CNN
Replies: 6
Views: 789

Re: Advice sought for $6M investment

Play around with some tax prep software to see how much you actually get to keep after taxes under various scenarios (tax exempt bonds vs CDs for example). It might come as a real shocker to find out how little you get to keep from your job, especially when and if interest rates increase.
by Riprap
Mon Oct 20, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3867

Re: Exercise Posts

I am one of those guys who has never been able to build muscle mass. I would describe myself as somewhat of an ectomorph ; tall and skinny although broad shoulders. Using the program in You Are Your Own Gym has helped me build serious muscle tone and I feel like I am the fittest I have been in my wh...
by Riprap
Sat Oct 04, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2553

Re: Stock Dividend Yields & Share Buybacks — A Surprise

PS I just found this and it looks like an interesting summary of theoretical and practical perspectives on corporate dividend policy http://faculty.london.edu/hservaes/Corporate%20Dividend%20Policy%20-%20Full%20Paper.pdf page 8 starts out that discussion (buybacks v. dividends and irrelevance theor...
by Riprap
Sat Oct 04, 2014 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Dividend Yields & Share Buybacks — A Surprise
Replies: 76
Views: 6104

Re: Stock Dividend Yields & Share Buybacks — A Surprise

Thanks Valuethinker and avalpert.
by Riprap
Fri Oct 03, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Dividend Yields & Share Buybacks — A Surprise
Replies: 76
Views: 6104

Re: Stock Dividend Yields & Share Buybacks — A Surprise

I am reading a lot of stuff here that doesn't make sense against the theory of corporate finance taught in every textbook on the subject for the last 30 years. Valuethinker, Nice post. Can you recommend a basic corporate finance textbook, preferably one that can be purchased on Amazon? I am ok with...
by Riprap
Fri Oct 03, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Stock Dividend Yields & Share Buybacks — A Surprise
Replies: 76
Views: 6104

Re: Indoor rowing machine - worth it?

Why do all that work with a rowing machine? For $14,615, you can have this machine which only requires 4 minutes per day. http://www.fastexercise.com But seriously, best workout program I have found is this: http://www.amazon.com/You-Are-Your-Own-Gym/dp/0345528581/ref=sr_1_1?s=books&ie=UTF8&...
by Riprap
Wed Sep 24, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 73
Views: 4264

Re: When to jump ship?

Lest ye forget mateys, talk like a pirate day be fast approachin' on Sep 19. :beer

http://en.wikipedia.org/wiki/International_Talk_Like_a_Pirate_Day

Arrr...keep a wee bit of powder dry and a weather eye for scoundrels who would plunder ye treasure
by Riprap
Mon Sep 08, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to jump ship?
Replies: 42
Views: 5063

Re: When to jump ship?

Undoubtedly a sign to use Vanguard for investment vehicles given their nautical motif and all.
by Riprap
Mon Sep 08, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to jump ship?
Replies: 42
Views: 5063

Re: I need "Ultra High Net Worth" investing advice please

If your goal is to truly build wealth for your family, it might be a good idea to get a big chunk of your assets out of your estate now so that they can compound free of future estate taxes and in such a way as to be out of the reach of creditors. As others have said, tax and estate planning are lik...
by Riprap
Sun Aug 24, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 227
Views: 21729

Re: I need "Ultra High Net Worth" investing advice please

Why not follow Warren Buffett's advice to his wife's trustee? 90% SP500/10% short term govt bonds? Half at Vanguard, half at Fidelity. I would guess Buffett's widow's trust would be in the neighborhood of what you're dealing with. http://blogs.cfainstitute.org/investor/2014/03/04/warren-buffetts-90-...
by Riprap
Sun Aug 24, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 227
Views: 21729

Re: three reading recommendations

The reviews of Market Sense and Nonsense at Amazon suggest that Schwager adovocates investing in a fund of hedge funds. If so, that doesn't sound very Bogleheadish to me. $22.99 for the Kindle version sounds kind of steep too.
by Riprap
Wed Aug 13, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: three reading recommendations
Replies: 11
Views: 1919

Re: Cloud Base Password Manager

Any reviews on Norton's Identity Safe password manager?
by Riprap
Thu Aug 07, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Cloud Base Password Manager
Replies: 14
Views: 1065

Re: Renting a car - what could I have done better?

Did you look at off brands? I just returned from a week in florida. 7 days in a similar car for $102 including all fees. These are "old" hertz cars (mine had 36,000 miles) and you have to shuttle 2 miles off airport. The next cheapest (compact) was $249. I found these guys on expedia. I t...
by Riprap
Mon Aug 04, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting a car - what could I have done better?
Replies: 12
Views: 1168

Re: favorite bogleheads posts?

Just about anything by The Munchkin Man.
by Riprap
Thu Jul 24, 2014 12:09 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 53
Views: 5906

Re: What Book Are You Currently Reading? Part V

Blue Highways by William Least Heat-Moon.
by Riprap
Mon Jul 07, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1268753

Re: High Dividends in Developed Markets Fund

I have been scratching my head too. The March 2014 quarterly dividend ($1.097/sh) in VEUSX (European Index Fund) was 3.7 times as large as the March 2013 dividend ($0.296/sh). Maybe banks are paying a higher dividend again? Vodafone is not in the top 10 holdings of the fund and would probably be les...
by Riprap
Wed Jul 02, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Dividends in Developed Markets Fund
Replies: 14
Views: 1280

Re: Riding a bicycle east from Cleveland

Regardless of the route you choose, I hope you post a journal of your trip on your website. I enjoy your observations and descriptions very much.
by Riprap
Sun Jun 22, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1354

Re: What Book Are You Currently Reading? Part V

Empty Mansions: The Mysterious Life of Huguette Clark and the Spending of a Great Fortune by Bill Dedman and Paul Clark Newell Jr. The story of an eccentric and reclusive heiress to the W. A. Clark mining fortune. She is not seen in public for the last 70 years of her 104 year life. She voluntary c...
by Riprap
Sun Jun 08, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1268753

Re: Who are the BogleHeads.org heavyweights?

I tend to pay particular attention to dbr and bsteiner.
by Riprap
Fri May 30, 2014 9:09 am
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9997

Re: Dividends vs Inflation

I wish I could recall the source(s), but I am pretty certain that the real long term growth rate of dividends is slightly higher than 1% for the broad U.S stock market over the last 50 years. I use about 1.2% for my back of the envelope calculations. I do recall that the sources were credible enough...
by Riprap
Wed May 28, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends vs Inflation
Replies: 3
Views: 464

delete
by Riprap
Tue May 06, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 6184

Re: Motor Carrier Exemption regarding overtime?

I would say the company is not being cheap, they are doing what is necessary to be competitive. The freight business is like a commodity; easily substitutable between different companies. Prosperity in almost every commodity-centric business goes to the low cost producer. For what it is worth, agric...
by Riprap
Mon May 05, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Motor Carrier Exemption regarding overtime?
Replies: 2
Views: 300

Re: Vanguard Dividend Growth - What's the dividend?

Hi Trudeo, What I have done in the past is to go to Yahoo Finance and look at the historical prices for a fund. One of the options they provide is dividends only. You can take that data and plot it to get a good idea of the consistency of the dividends over time. Here's a link that should show the d...
by Riprap
Wed Apr 30, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend Growth - What's the dividend?
Replies: 6
Views: 712

Re: What Book Are You Currently Reading? Part V

In Saturday's (4/19/14) Wall Street Journal, there was an intriguing article about Dante's "Divine Comedy" as the ultimate self-help book. http://online.wsj.com/news/articles/SB10001424052702303663604579503700159096702 I would be interested in hearing from those who have read the book.
by Riprap
Sun Apr 20, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1268753

Re: I need a new coffee maker, any recommendations?

Two inexpensive brands that don't clog with our very hard water (given occasional vinegar rinses) are Braun and Sunbeam. Sunbeam is a lot of coffeemaker for little money (at Target). I like our Cuisinart's small flap on the spout. (Screens insects at the cottage.) I second this. I bought a Sunbeam ...
by Riprap
Fri Apr 18, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 66
Views: 15173

Re: KeePass vs LastPass

Since I'm tech challenged, how does KeePass and LastPass compare to Norton's Identity Safe password manager that comes with Norton 360?
by Riprap
Thu Apr 10, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 13380

Re: "Emerging markets: Is the volatility contagious?'

All I can say is - thank God my foreign investment options aren't limited to aging, deflationary, low growth Japan and Europe. Gus Sauter has cautioned not to confuse economic growth prospects to stock market returns. That has stuck with me. Here is a link summarizing Sauter's views. Google can pro...
by Riprap
Wed Mar 26, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: "Emerging markets: Is the volatility contagious?"
Replies: 15
Views: 1335

Re: Is yield on cost (YOC) a useful metric?

Randolph, I have enjoyed your posts on this thread. I started this thread because YOC doesn't make a whole lot of sense to me, yet it is widely discussed among the dividend investing crowd. Although it seems to me that YOC involves some sort of cognitive bias (perhaps anchoring?), the possibility ex...
by Riprap
Sat Mar 22, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Is yield on cost (YOC) a useful metric?
Replies: 36
Views: 1445

Re: Is yield on cost (YOC) a useful metric?

Thank you Financial Dave. Sounds as if you have a good handle on your retirement investments.
by Riprap
Fri Mar 21, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Is yield on cost (YOC) a useful metric?
Replies: 36
Views: 1445

Re: Is yield on cost (YOC) a useful metric?

Maybe this concept is hard to grasp for those that are not in retirement - but cash flow "efficiency" if you will, requires a calculation (yield) based on the cost of your investment (whenever that was, yesterday, or 5 years ago) and the income, which is essentially a YOC metric. Since we...
by Riprap
Fri Mar 21, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Is yield on cost (YOC) a useful metric?
Replies: 36
Views: 1445

Re: Is yield on cost (YOC) a useful metric?

The YOC is of course the most important because this tells me in an instant if I am going to meet my income goals for the quarter and the year, since my strategy is a capital preservation strategy and not a total return strategy. fd I understand the importance of being able to forecast cash flows, ...
by Riprap
Tue Mar 18, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Is yield on cost (YOC) a useful metric?
Replies: 36
Views: 1445
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