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Re: Help me save my parents from Merrill Lynch

They'll be after you like a pack of hounds. (no offense meant to hounds).
by Sbashore
Wed Jul 30, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 35
Views: 4195

Re: How does car trade-in works?

My suggestion to you is if you have a CarMax in your area, go get a quote on what they would pay for your car. I believe they will honor the quote for 7 days, so that will set a floor. My dealer wouldn't come close to matching what CarMax offered without increasing the price paid for the new vehicl...
by Sbashore
Wed Jul 30, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 52
Views: 2708

Re: POLL: Wills vs. Living Trusts

I have both. They're not redundant. The will addresses specifics I wanted to take care of outside of the trust.
by Sbashore
Wed Jul 30, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Wills vs. Living Trusts
Replies: 33
Views: 2040

Re: Anyone Switched to Vanguard Account Upgrade?

I just completed an upgrade about a month ago. It was seamless and happened overnight. What I did was call Vanguard and they emailed me a link to an invitation to upgrade. After that it was all automatic and my account was upgraded overnight. What it did for me was that all I had was a brokerage acc...
by Sbashore
Wed Jul 30, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 20
Views: 2519

Re: Need Perspective and Advise

Lot of good advice here. Basically it sounds like this guy is lying to you or is completely naive, stupid or all of the above. None of those attributes describe someone to whom I'd want to give money to manage.
by Sbashore
Wed Jul 30, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Perspective and Advise
Replies: 9
Views: 435

Re: CSRS and SS, check my logic

The prettiest-sitting Feds are those who joined pre-1983, did not take the bait when the government offered them the "fabulous" option of switching to FERS, AND maxed out their TSPs (without match). I know a few... sittin' very pretty. :) Alas, I joined in 2008... Yeah I know some. :happy
by Sbashore
Tue Jul 29, 2014 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: CSRS and SS, check my logic
Replies: 21
Views: 1000

Re: CSRS and SS, check my logic

Professor Emeritus wrote:
heerekj1 wrote:I get 50%.


if it is CSRS you should get 55%


55% is the max. You can specify any percentage below that.
by Sbashore
Tue Jul 29, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: CSRS and SS, check my logic
Replies: 21
Views: 1000

Re: Should retirement investors own small/value stocks at al

This is a lot of the reason that I did away with my S/D portfolio with tilts a while ago. When you tilt sometimes it takes a while, if ever for the advantage to show up. I'm not getting any younger. Now I am more simplified, but still tilt a bit towards REITs. Can't seem to let that go. :happy
by Sbashore
Tue Jul 29, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Should retirement investors own small/value stocks at all?
Replies: 27
Views: 1830

Re: POLL: My home is worth less/more in 2014 than in 2007?

I voted 20% less or lower. Although where I live the run-up between 2004 and 2007 was stunning. I entered a contract to build the home and it was selling for 15% more than I paid before I broke ground. I still own the place and regard all that inflated value as a bit of an illusion since it's long g...
by Sbashore
Mon Jul 28, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 82
Views: 4049

Re: Do Bogleheads Feel Wealthier?

My spending is unchanged. I have a budget and have the discipline to stick to it. Probably a trait I developed from my Boglehead ways.
by Sbashore
Mon Jul 28, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4386

Re: I have access to a military TSP...worth it?

I'm a retired Fed. TSP is a significant portion of my portfolio. I regard it as an asset with great value. I could have transferred it to an IRA when I retired but chose to keep it because of it's low cost and superior choices (the G fund is unique in that it has no downside risk). In my opinion any...
by Sbashore
Sun Jul 27, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: I have access to a military TSP...worth it?
Replies: 13
Views: 1045

Re: Teacher looking for portfolio advice

Desired Asset Location: 100% stock, I think... Even though you have a pension, this is probably not a good idea. The risk is not sufficiently rewarded. We don't know what's going to happen a few decades from now with respect to NY state pension plans. (It was overfunded by 1.5% in 2009. By 2011, it...
by Sbashore
Sun Jul 27, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Teacher looking for portfolio advice
Replies: 13
Views: 565

Re: Starting my portfolio - how does it look?

I manage my bond investments by looking at duration. Intermediate term seems to be the sweet spot for me. In your situation I'd just go with a total US bond market fund. Vanguard is my preference. Once you understand the concept of duration and how it applies to your overall portfolio, you'll see t...
by Sbashore
Sat Jul 26, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting my portfolio - how does it look?
Replies: 5
Views: 502

Re: Starting my portfolio - how does it look?

I manage my bond investments by looking at duration. Intermediate term seems to be the sweet spot for me. In your situation I'd just go with a total US bond market fund. Vanguard is my preference. Once you understand the concept of duration and how it applies to your overall portfolio, you'll see th...
by Sbashore
Sat Jul 26, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting my portfolio - how does it look?
Replies: 5
Views: 502

Re: Starting my portfolio - how does it look?

Hi everyone, This is my first post here, although I've been reading Boglehead resources online for a while now. I wanted to get some feedback regarding my plan for building my portfolio and getting on the road to financial independence and the option of possible early retirement. My situation: I'm ...
by Sbashore
Sat Jul 26, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting my portfolio - how does it look?
Replies: 5
Views: 502

Re: Best On-line Portfolio trackers

I use a spreadsheet I've developed over the years. It doubles as my IPS. I also use Morningstar and Vanguard.
by Sbashore
Sat Jul 26, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Best On-line Portfolio trackers
Replies: 16
Views: 1514

Re: Help me save my parents from Merrill Lynch

I like to use simple numbers. Point out to them that 5% a year for 10 years in fees of $300k is $150k. A 0.5% er fund fee over the same period is $15k. If they are comfortable paying the higher amount, fine. This was my thought exactly. Show them in dollars how much they are paying. You could also ...
by Sbashore
Sat Jul 26, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 35
Views: 4195

Re: Afraid of Bonds

These bond posts have been around for a few years now. Last I checked, my bond purchases at Vanguard are in the green. So not only better income than a CD or bank account, but they actually made a small cap. gain as well. Be afraid of missing out on time in market. Be afraid of inflation. +1. With ...
by Sbashore
Sat Jul 26, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Afraid of Bonds
Replies: 28
Views: 2246

Re: Rules of thumb that shouldn't be

Crushtheturtle wrote:Age in bonds


+1.
So much depends on other factors like other assets, potential retirement income streams, actual retirement income streams and risk ability, willingness, need, etc.
by Sbashore
Fri Jul 25, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Rules of thumb that shouldn't be
Replies: 39
Views: 4128

Re: POLL: Do you own corporate bonds?

I own Vanguard Intermediate Term Investment Grade Admiral (VFIDX). My only other bond holding which is my largest is the TSP G fund.
by Sbashore
Fri Jul 25, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2100

Re: Stop Loss Orders to Protect Bond ETF NAV's

Any stop order you try to calculate will be a shot in the dark. My style of investing has zero use for stops. My advice is to give up this idea since it would needlessly complicate an otherwise simple rebalancing policy. You do have one of those don't you?
by Sbashore
Fri Jul 25, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stop Loss Orders to Protect Bond ETF NAV's
Replies: 3
Views: 343

Re: Best Coffee Maker? What do you have?

I have a Zojirushi now. Got it to replace a Cuisinart. I'll probably go back to Cuisinart when this one goes, although it makes good coffee. Key for me is a coffee maker that gets the water hot enough to get a good brew.
by Sbashore
Thu Jul 24, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 65
Views: 4466

Re: Retirement Portfolio Proposal

The way I rebalance is I have bands for each asset class and a band for my overall equity/fixed allocation. If any asset class gets to be 20% or more away from it's target, that's a rebalance signal. If my overall equity/fixed allocation gets to be 5% away from my target, that's a rebalance signal. ...
by Sbashore
Thu Jul 24, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2506

Re: Retirement Portfolio Proposal

Something else just struck me. If he has to apply a "sleep test" to determine how much cash/fixed income (of whatever type) to carry, that seems to be a red flag that goes to real risk tolerance. Is he really thinking about losing money? I guess that's up to him. Personally I manage thing...
by Sbashore
Wed Jul 23, 2014 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2506

Re: Help me select a streaming media device

I'm on my second Roku (Model 3). I got a Roku because I had a DVD player with wifi capability and it wouldn't stream without serious interruptions. Recently bought another dvd/sound system and its wifi speed is far inferior to my Roku. I recommend Roku. :happy
by Sbashore
Wed Jul 23, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 24
Views: 1781

Re: Retirement Portfolio Proposal

Something else just struck me. If he has to apply a "sleep test" to determine how much cash/fixed income (of whatever type) to carry, that seems to be a red flag that goes to real risk tolerance. Is he really thinking about losing money? I guess that's up to him. Personally I manage things...
by Sbashore
Wed Jul 23, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2506

Re: Slice and Dicers -- Plans when you can't manage it anymo

I was a slice and dicer for years. It served me well. I've now simplified because tilting one way or the other, might not work to my advantage for a long time if ever. I got to the point where I figured my time left was not sufficient to use tilting to my advantage. I'm now down to basically a four ...
by Sbashore
Wed Jul 23, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2268

Re: Retirement Portfolio Proposal

My thoughts were the same as your first answer. I went into retirement at age 57.5 with a 70% stock allocation and took quite a hit in 2008. I stayed the course and recovered, but it was disconcerting to say the least. Now at age 66 I'm sitting at 54% stock, 46% fixed. I arrived there on a glide pat...
by Sbashore
Wed Jul 23, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2506

Re: Which kind of bike for recent retiree?

I'm retired now and my main bike is a actually a trike. Terratrike Elite. I love it. Comfortable and a different experience from a regular bike where you tend to look down at the road ahead. I also have a Trek Road Bike that I ride less often, a Specialized 'S' Works Mountain Bike that I haven't rid...
by Sbashore
Sun Jul 20, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2653

Re: Stop Loss on stocks/ ETFs

letsgobobby wrote:After hitting your number why wait for stocks to go down to sell? Why not sell now?


My thought exactly. Don't manage your portfolio to achieve maximum returns, manage your portfolio to control the risk you've decided to expose yourself to at any given point in your life.
by Sbashore
Sun Jul 20, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Stop Loss on stocks/ ETFs
Replies: 12
Views: 893

Re: Much risk in moving into FSBAX or FSHBX?

Check the duration of the fund you're moving into. This will pretty much quantify the interest rate risk for you. That might make it clearer.
by Sbashore
Sat Jul 19, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Much risk in moving into FSBAX or FSHBX?
Replies: 5
Views: 420

Re: POLL: Do you have a dedicated REIT allocation?

Hey, if a 6.2367% REIT overweight (and thus slight underweight of all other stocks) helps you sleep at night, by all means complex-ify your portfolio with it. If you expect it to somehow help you from a financial standpoint, however, you're probably missing one investment concept or another. It alr...
by Sbashore
Fri Jul 18, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6977

Re: If you own a car, do you have a car payment?

I own outright. Haven't had a car payment in years.
by Sbashore
Fri Jul 18, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7285

Re: TSP G as treasury holding

The majority of my bond holdings are in TSP G. I use it to manage the duration of my overall portfolio since it computes at 0. As a result my overall portfolio duration is around 2.2 years even though one other holding is in the 5-6 year range.
by Sbashore
Fri Jul 18, 2014 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP G as treasury holding
Replies: 10
Views: 767

Re: If interest rates would ever reach double digits again

I would maintain my present AA and enjoy the steadily increasing dividends on my bond holdings. My portfolio's overall bond duration is a little over two years, so I'd recover from the rising rates pretty quickly.
by Sbashore
Thu Jul 17, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 3019

Re: POLL: Do you have a dedicated REIT allocation?

I imagine many sector funds and stocks would show similar 0.8+ correlations. But you can't overweight everything. We own foreign stocks due to the small chance of a long term US economic bust, not due to correlations anyway. Love how you counter factual arguments with "imagine". :happy Yo...
by Sbashore
Thu Jul 17, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6977

Re: Snake!

Maryland. No poisonous snakes in our state that I know of. The black rat snakes get pretty big though - lots of natural food, few predators. I don't know if that is true. You guys aren't that much farther north than I am (Tennessee) and we have several different poisonous snakes. Cotton mouths, Cop...
by Sbashore
Thu Jul 17, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4189

Re: POLL: Do you have a dedicated REIT allocation?

Show me a guy with a 5% or 10% REIT allocation, and I'll show you someone who's read a couple of dated investing books, [OT comment removed by admin LadyGeek] . Not only will such a small allocation make no expected difference to your returns, the experts who did suggest such a bet were doing so wh...
by Sbashore
Wed Jul 16, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6977

Re: POLL: Do you have a dedicated REIT allocation?

I've been holding REITs first as an ETF and now as admiral shares, for a long time. My personal experience is that I like how it behaves differently than my total stk market and total international stocks. I'll continue to hold it.
by Sbashore
Wed Jul 16, 2014 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6977

Re: [Poll] How often do you re-balance?

I use bands with the added rule that I can only rebalance any given asset class once a year. So once a buy or sell action is caused by exceeding a band, I'm done for that particular action for a year.
by Sbashore
Mon Jul 14, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How often do you re-balance?
Replies: 25
Views: 2213

Re: Boglehead Beer

What is a Boglehead beer? It should have good taste but it should be reasonable in cost, right? What is the beer of choice for the Boglehead? Also, what is the beer of choice when splurging? :lol: My Boglehead beer is whatever I want regardless of cost (within reason). My Boglehead ways made this p...
by Sbashore
Sun Jul 13, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 47311

Re: Ditch car and commute to work in 250cc scooter in Raleig

I don't know anyone, I repeat, anyone, who has ridden a scooter or motorbike for a significant time period and is not being at least partially held together by screws and bolts. You are asking for PE's stated results. I agree with this. Long ago I made the uncharacteristic (for my age) decision to ...
by Sbashore
Sun Jul 13, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 73
Views: 5342

Re: Safe 401k withdrawal rate?

I just outlined what I do in retirement. Might provide you with some insight.

viewtopic.php?f=1&t=142821
by Sbashore
Sun Jul 13, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safe 401k withdrawal rate?
Replies: 5
Views: 872

Re: Safe withdrawal rate > 4% if no heirs & ok to deplete ca

I'm a retiree with no heirs and have concluded that I will die and leave a portfolio behind. I do that because the existence of that nest egg provides me with security and "options" for the remainder of my life. However I do want to maintain my current lifestyle by spending a reasonable am...
by Sbashore
Sun Jul 13, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate > 4% if no heirs & ok to deplete captl?
Replies: 32
Views: 3090

Re: Gold, Silver, Copper

Throughout all times, all places, throughout all of history and long before it, every single culture in the world has always put a value on lead. The Bible mentions it in Exodus 15:10. The Romans prized it for the exquisite flavor and sweetness it adds to wine, and the flights of creativity it evok...
by Sbashore
Fri Jul 11, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 87
Views: 4995

Re: Gold, Silver, Copper

I expected these kind of replies which is an indicator of negative sentiment in general. The general asset classes are very over extended but the precious metals are cheap yet most do not see this. Time will tell of course. Is your technical analysis of the charts telling you this? Or your crystal ...
by Sbashore
Fri Jul 11, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 87
Views: 4995

Re: True or False? Your risk tolerance only increases with t

My experience has been that my 'tolerance' for risk has decreased over the years as I learned more and experienced more.

As I approached retirement, entered retirement and proceeded down the road of retirement, my 'ability' to take risks changed and continues to change as I age.
by Sbashore
Fri Jul 11, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: True or False? Your risk tolerance only increases with time
Replies: 30
Views: 2340

Re: Do rising rates spell doom for REITS

Thanks Larry. Good article. I've held REITs for years and remember the time beginning in 2003 when the FF rate started to rise. I seem to remember a lot of doom and gloom and volatility due to the rate rise. The doom never happened.
by Sbashore
Thu Jul 10, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Do rising rates spell doom for REITS
Replies: 8
Views: 2688
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