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Re: Is High Frequency Trading a Problem For Bogleheads?

This is absolutely a problem for Bogleheads and I have been a victim to the tune of at least a few thousand dollars, prior to knowing about the front-running. The problem is largely for investors that use ETFs instead of funds (like myself, a Schwab customer using Vanguard ETFs), especially lower vo...
by Rolyatroba
Thu Mar 12, 2015 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Is High Frequency Trading a Problem For Bogleheads?
Replies: 42
Views: 1848

Re: This Morning's Dilbert - Investment Help

I'm aware of these works. What I'm trying to hint about, and maybe I should have been more direct, is that the Bogleheads might be even more successful if they took this kind of pop culture approach, as part of their educational toolkit. The wiki is great, especially if you have a decent education ...
by Rolyatroba
Wed Mar 11, 2015 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 5077

Re: Bridging Delay to SS Strategy Opinions

It's actually pretty weird--when I calculate $1,127 x 12 months x 7 years I get $94,668. I must be missing something, maybe the exact starting and ending months. I think what you're missing is the inflation aspect of the monthly payments. Growing monthly at a 2.5% annual rate brings the total to $1...
by Rolyatroba
Fri Mar 06, 2015 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bridging Delay to SS Strategy Opinions
Replies: 13
Views: 1112

Re: Bridging Delay to SS Strategy Opinions

You're basically asking how you should configure an LMP approach to this problem. I am in the camp to avoid this if at all possible, especially during periods of lean yields in safe assets such as we have now, since you leave a lot of potential growth on the table. I understand the short term risk o...
by Rolyatroba
Fri Mar 06, 2015 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bridging Delay to SS Strategy Opinions
Replies: 13
Views: 1112

Re: Reasons not to use Total Bond Market?

I hear this so often, but can you tell me the basis of this reasoning? I think this has become one of those oft repeated mantras that has become accepted as zeitgeist on this forum, but I do not know if there are any studies or data that support this belief other than citing to someone's opinion th...
by Rolyatroba
Thu Mar 05, 2015 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 7095

Re: Market Beating Recipe

There's some good fortune involved in it, but mostly its skill, insight and patience. Do you have the same conclusion if you remove the people like Buffet, who usually gain board seats with their investment? Is it your view that there are people who can, over some reasonably long period of time, be...
by Rolyatroba
Mon Mar 02, 2015 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: Market Beating Recipe
Replies: 19
Views: 1874

Re: This Morning's Dilbert - Investment Help

I'm aware of these works. What I'm trying to hint about, and maybe I should have been more direct, is that the Bogleheads might be even more successful if they took this kind of pop culture approach, as part of their educational toolkit. The wiki is great, especially if you have a decent education ...
by Rolyatroba
Sat Feb 28, 2015 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 5077

Re: This Morning's Dilbert - Investment Help

This stuff is brilliant. It's easy to read, it's got the punch, and great visuals. If you put a short essay with each cartoon to explain the underlying issues, it would make a very effective teaching tool. It could potentially reach a wide audience, as many people won't read investing books because...
by Rolyatroba
Sat Feb 28, 2015 10:18 am
 
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 5077

Re: This Morning's Dilbert - Investment Help

Hopefully, it will be the theme for a few days.
by Rolyatroba
Sat Feb 21, 2015 10:04 am
 
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 5077

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

...our data files are backed up and if there were no other alternative I'd try it ; but we're not in panic mode at this point :happy This isn't about losing pictures or word documents...it is about being at risk of having your bank and/or brokerage passwords stolen (among other things). If you use ...
by Rolyatroba
Thu Feb 19, 2015 12:11 pm
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4930

Re: An Adventure

My wife and I are just a few years from doing this sort of thing permanently (read: retiring and will travel a lot, maybe full time the first couple of years). So, I have been sifting thru BH threads, and wonder how this turned out. Did you leave on time? How long were you gone? Was the return what ...
by Rolyatroba
Tue Feb 17, 2015 8:30 pm
 
Forum: Personal Consumer Issues
Topic: An Adventure
Replies: 26
Views: 3082

Re: Preparing for 2 months incommunicado

There are ways to mitigate the risk of keyloggers/spying on Internet Cafe computers. What I would do is set up a home PC that stays on all the time, and Remote Desktop to that PC to perform sensitive activities. And below are some of the extra precautions I'd take: 1 - Have RDP listen on a non-stand...
by Rolyatroba
Tue Feb 17, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: How does an Efficient Market explain Buffett?

The EMH applies to investors. As hinted/said earlier, Buffet is a businessman, not an investor. I look at him as a nice version of Carl Icahn. Icahn invests and then bullies the board. Buffet invests and then guides the board.
by Rolyatroba
Wed Jan 14, 2015 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 257
Views: 13509

Re: Can I retire early? 38 y/o

One thing that hasn't been focused on enough in this thread is sequence of returns risk, particularly in the first 15-20 years of a 50 year horizon. My belief is that over a 50 year period, you can expect a better than 4% annual return (if not, there will be bigger problems to worry about, which may...
by Rolyatroba
Wed Jan 14, 2015 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 89
Views: 10863

Re: Good, Brief Articles on the Boglehead Way?

Thanks for the inputs; several good ideas in there.
by Rolyatroba
Sun Dec 21, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Good, Brief Articles on the Boglehead Way?
Replies: 11
Views: 1559

Good, Brief Articles on the Boglehead Way?

I've been helping a friend understand this stuff, but she is now asking for help convincing her father. I won't be involved in those conversations, but I want to prep her the best I can. With that in mind, I'd like to find a few brief but concise articles covering the topics of "Cost Matters&qu...
by Rolyatroba
Fri Dec 19, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Good, Brief Articles on the Boglehead Way?
Replies: 11
Views: 1559

Re: Reducing Sequence of Returns Risk

When you want to borrow during times of distress in the financial markets, how do you know that anyone will lend to you at that time? I recall in 2008 banks not lending and credit card companies arbitrarily slashing credit limits because they were conserving their own cash. An additional risk of a ...
by Rolyatroba
Sat Dec 06, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reducing Sequence of Returns Risk
Replies: 15
Views: 2529

Re: Reducing Sequence of Returns Risk

Great to see that Wade Pfau has published a WSJ blog on this topic: http://blogs.wsj.com/experts/2014/12/01/the-case-for-reverse-mortgages/ There isn't much detail or elaboration on the concept above what has been discussed here, but nice to see that he has seemingly given a public stamp of approval...
by Rolyatroba
Fri Dec 05, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reducing Sequence of Returns Risk
Replies: 15
Views: 2529

Re: Is this a fair thing to say about past returns?

Thanks for the replies. I hadn't considered a difference in the bond quality or the effect of international for the stocks (I purposely left out Int'l just to keep it simple, not realizing how much of an impact it could have). I also didn't model any rebalancing, which seems to have a pretty signifi...
by Rolyatroba
Fri Dec 05, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this a fair thing to say about past returns?
Replies: 3
Views: 873

Is this a fair thing to say about past returns?

Upon request for investing assistance by a family member, and after a bunch evangelizing for low costs and index funds, that person came back and said "Thanks, all my Schwab money is now in SWCRX." Aarghh!...0.6% ER, and seemingly a bunch of managed funds within, plus apparent use of lever...
by Rolyatroba
Thu Dec 04, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a fair thing to say about past returns?
Replies: 3
Views: 873

Re: Quick Backdoor Roth Question

Ah ok. A little tax spanking for the mistake.

Thanks for the input.
by Rolyatroba
Tue Nov 18, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quick Backdoor Roth Question
Replies: 2
Views: 319

Quick Backdoor Roth Question

I have an IRA account at VG which is funded exclusively with after tax dollars. And yesterday, I just moved all funds from a Schwab IRA--the only other IRA I have--into a Schwab Individual 401k account (ostensibly to avoid the "pro-rata" rule). With that in mind, I am wondering if I have t...
by Rolyatroba
Tue Nov 18, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Quick Backdoor Roth Question
Replies: 2
Views: 319

Re: Help with Property Development

123 - There are a couple of reasons to not just take the money and run (these were previously unmentioned since it was already such a long post): 1 - While I am retired now (mostly), my wife wants to work until we move back, so I'll have a lot of time to work on this, and if I plan it right I can ha...
by Rolyatroba
Fri Nov 14, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with Property Development
Replies: 3
Views: 411

Help with Property Development

I live in Idaho, and am hoping to redevelop our Sunnyvale, California property prior to returning there when our kids go off to college. Doing this in some fashion should (if done right) add a significant amount to our nest egg. The possible approaches to this seem almost endless, as do the various ...
by Rolyatroba
Thu Nov 13, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Property Development
Replies: 3
Views: 411

Re: Made a huge mistake, need help

Studying up on this, like others mentioned, is a good thing. But if you're not up to doing that, and just want advice for something simple and low maintenance, the below is what I'd recommend. Open a Vanguard account, and ask them for help in getting the assets transferred from WF (may require a red...
by Rolyatroba
Sun Nov 09, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 10181

Re: Get some Exercise!

Most importantly, make sure whatever you do is fun for you. What about for those folks, like me, who can no longer find a workout that is fun? That wasn't a problem for the last 20 years since I was a competitive Master's cyclist. But I've hung up my wheels, and even mountain biking isn't as fun as...
by Rolyatroba
Fri Oct 03, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Get some Exercise!
Replies: 23
Views: 2630

Re: Help with Backdoor Roth

...have you considered that the stock markets could go down before the end of the year and your $12K contributions could buy more shares in January? Certainly, time has a nice compounding effect, but the "simplicity" of the contributions and conversions next year seem more important to me...
by Rolyatroba
Thu Sep 11, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 1579

Re: Help with Backdoor Roth

Your next move is to find out how to un-do the contributions for this year. Thanks...already recharacterized with VG earlier today. Tomorrow, the Roth balances should be transferred to the traditional IRA accounts. Also you recommended to transfers IRAs to 401ks this year but wait until next year t...
by Rolyatroba
Thu Sep 11, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 1579

Re: Help with Backdoor Roth

We are grappling with the same decision. However you would continue to gain during retirement if the Roth continues to grow, since I don't believe you have to take RMDs out of that. I also think you can continue to contribute to it until age 70 at least. Please correct me if I am wrong. I am not 10...
by Rolyatroba
Thu Sep 11, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 1579

Re: Help with Backdoor Roth

glosing wrote:Umm isn't the $76K already taxed? It is just the earnings that will never be taxed I believe.

True...should have clarified.

I guess I should have asked that way...is it worth it to do this? At 6%, the payment stream over 6 years would gain about $12k, with only $4-5k in taxes saved.
by Rolyatroba
Thu Sep 11, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 1579

Re: Help with Backdoor Roth

Your next look up task will be for "recharacterization". Assuming that is directed at my boo-boo...yes, I got off the phone with VG only 20 minutes ago to do this for our recent Roth conversion. So I believe there won't be a tax event now. I think next then, I need to move the funds/secur...
by Rolyatroba
Thu Sep 11, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 1579

Re: Help with Backdoor Roth

I hope you know about the pro-rata rules. Is there an emoji for a scream? I didn't know about that rule, and now as I understand it (albeit with only 5 mins. of googling), it seems we'll owe taxes on nearly the entire $12k. Hopefully this can be undone before 12/31. I talked to both a Schwab and a ...
by Rolyatroba
Wed Sep 10, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 1579

Re: Help with Backdoor Roth

I didn't read thru the thread, besides the OP, so sorry if there is any duplication here. The short answer is to open an IRA account at a third company, say Schwab. It will have a zero balance, then you just put the funds in it and convert it to a Roth. Longer answer is I am at Schwab with IRA accou...
by Rolyatroba
Wed Sep 10, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 1579

Re: Body by Science Workout

Thanks for your response Rolyatroba. I am already a regular exerciser. I do weights twice a week and aerobics 2-3 times a week. This seems to work pretty well. The thing I am wondering about is if I will get better results by shifting to a super hard but brief weight workout just once a week, and r...
by Rolyatroba
Thu Jul 24, 2014 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 31001

Re: Body by Science Workout

Is there any research on how this works as you age? I am 64. In related articles on line they also talk about High Intensity Interval Training, in which you do an activity like cycling as fast as you can for 30 seconds, then rest, then repeat. Is there research about how that works for someone my a...
by Rolyatroba
Thu Jul 24, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 31001

Re: On the Road/Air/Water Retirement

Since music was mentioned above, there are two other crucial items on my international travel packing list: - I have a Bose Soundlink that is not much larger than a large paperback book (http://www.bhphotovideo.com/c/product/891701-REG/Bose_357550_1300_SoundLink_Bluetooth_Mobile_Speaker.html). Enjoy...
by Rolyatroba
Tue Jun 10, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: On the Road/Air/Water Retirement
Replies: 57
Views: 5748

Re: On the Road/Air/Water Retirement

4. There are other ways to beat the Schengen restriction. One is to get dual citizenship in an EU country (only a handful allow this; I'm going for Italian). Another is to get an extended visa just for the country you plan to spend the most time in (albeit not available in all EU countries). France...
by Rolyatroba
Mon Jun 09, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: On the Road/Air/Water Retirement
Replies: 57
Views: 5748

Re: On the Road/Air/Water Retirement

We are planning a similar retirement, so I'll add a couple of things that I don't see mentioned above. 1. In addition to vrbo and homeaway, airbnb.com might be a good resource, as this site also has lower cost options such as shared housing and even shared rooms. 2. I have friend that does this now ...
by Rolyatroba
Mon Jun 09, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: On the Road/Air/Water Retirement
Replies: 57
Views: 5748

Re: A Case for Individual Bonds?

You can model this relatively simply with two bonds. Suppose you buy a 5% 10-year, and soon thereafter rates drop to 2%. You exchange $100 of your old bond for $127 of the new bond with 2% coupons. Thing is, you can still go on spending $5 a year for the remaining 10 years sustainably, the only dif...
by Rolyatroba
Thu May 01, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Case for Individual Bonds?
Replies: 13
Views: 1261

Re: A Case for Individual Bonds?

First, sorry for the late reply. Really appreciate your input on this. But why feel less comfortable? Surely this is much, much easier and less demanding of discipline than planning spending decades in advance like you are proposing. The low comfort has to do with selling FI principal to finance exp...
by Rolyatroba
Tue Apr 29, 2014 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: A Case for Individual Bonds?
Replies: 13
Views: 1261

Re: A Case for Individual Bonds?

Thanks for the inputs...comments/questions below. I dont exactly see where you get 5% for a bond these days I'm not talking about these days...I'm planning to increase my FI% in the next few years, and am only thinking of doing this if the Fed raises rates in response to an eventual heating up of th...
by Rolyatroba
Wed Apr 23, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Case for Individual Bonds?
Replies: 13
Views: 1261

A Case for Individual Bonds?

I plan to increase the FI portion of our portfolio in the next couple of years, as we approach retirement. If the economy heats up in this timeframe, to the point that interest rates rise above 5% for Treasuries/Agencies (non-mortgage backed), does it make sense to lock in those rates, with some por...
by Rolyatroba
Tue Apr 22, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: A Case for Individual Bonds?
Replies: 13
Views: 1261

Re: Reducing Sequence of Returns Risk

Actually, I was trying to distinguish between getting insurance before an actual loss occurs and how to deal with that loss if it wasn't insured. That does make me think that maybe I don't even take out one of these until it is needed. Sorta like buying insurance after the casualty! Of course, keep...
by Rolyatroba
Thu Apr 10, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reducing Sequence of Returns Risk
Replies: 15
Views: 2529

Re: Reducing Sequence of Returns Risk

I am not sure what problem you are trying to solve. If stocks do poorly the first 5 years of retirement, don't you just sell bonds to live on and rebalance at the same time? If paying down a mortgage is like buying a bond, does it not also hold true that taking out a mortgage (or HEL or SRM) is lik...
by Rolyatroba
Thu Apr 10, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reducing Sequence of Returns Risk
Replies: 15
Views: 2529

Re: Reducing Sequence of Returns Risk

When I see a new and complex financial product, my reaction isn't "why wouldn't anyone do this?". It's - "this product is probaby not in my best interest, but there's a very small chance it might be." Thanks for the input. I have studied the product, the paper quoted, and a few ...
by Rolyatroba
Wed Apr 09, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Reducing Sequence of Returns Risk
Replies: 15
Views: 2529

Reducing Sequence of Returns Risk

I posted about this at the Theory forum and didn't get any responses...thought I'd try here. I am also encouraged by the recent comment made by Wade Pfau to my question on his blog (http://wpfau.blogspot.com/2013/04/ameriks-and-evensky-on-retirement-income.html -the last of the comments), so I want ...
by Rolyatroba
Tue Apr 08, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reducing Sequence of Returns Risk
Replies: 15
Views: 2529

Re: When is the best time to book a flight?

I am no expert on this but there are some things I know. First that recent $100 increase in pricing might be due to what is called "dynamic pricing", a semi-despicable practice where they do this to scare you into buying. They track IP addresses for this and also pay attention to web traff...
by Rolyatroba
Thu Mar 06, 2014 11:02 pm
 
Forum: Personal Consumer Issues
Topic: When is the best time to book a flight?
Replies: 11
Views: 1321

Re: SWR Studies on the Effect of Asset Class Yields?

Thanks for the reply. I just looked and the book isn't on Amazon yet...I'll keep an eye out for it. Portfolio survivability is my most important consideration in setting my retirement AA, so I'll be interested to read it. To be clear, I'm not thinking about adding corporate debt (the most I'd see of...
by Rolyatroba
Wed Mar 05, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: SWR Studies on the Effect of Asset Class Yields?
Replies: 3
Views: 419

SWR Studies on the Effect of Asset Class Yields?

Are there any studies, or discussions here (can't seem to find), that address tilting toward asset classes for the purposes of obtaining higher portfolio yield? I have learned here not to chase yield within an asset class (numerous topics on that subject), and not to treat unreasonably high exposure...
by Rolyatroba
Wed Mar 05, 2014 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: SWR Studies on the Effect of Asset Class Yields?
Replies: 3
Views: 419

Re: Roth Conversion Deadline

Thanks for the inputs...I'm already vetting tax pros to figure out what is the best way to handle the NOL. Maybe I'll get a Roth conversion out of it via a future carry forward, but from what I can tell the most likely scenario is to carry back the NOL and lower my tax bill for the applicable year(s).
by Rolyatroba
Wed Mar 05, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion Deadline
Replies: 8
Views: 428
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