Search found 626 matches

Return to advanced search

Re: Why don't utilities get any praise

I try to not get caught up in that dividend chasing mindset. I am more concerned with total return than dividends. Making a sector bet is another conversation altogether.
by Sbashore
Fri Aug 22, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 19
Views: 1759

Re: Ideal pace of IRA conversion at age 61?

I'm retired and when I do a calculation a Roth conversion does not work for me. You might want to not assume that it's the best course of action since a lot of other variables enter into it. Here's a link to help you analyze. https://personal.vanguard.com/us/insights/taxcenter/planning/is-a-roth-con...
by Sbashore
Fri Aug 22, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Ideal pace of IRA conversion at age 61?
Replies: 3
Views: 375

Re: Longer Term Investment Goals Progress Tracking

rkatz0 wrote:
TN_INVEST wrote:I think it's normal to treat folks that take things 4 places past the decimal point like Martians.


IF you hit your goal can you give me your 3rd and 4th decimal points?!


I think the use of many decimal places is quite necessary for space travel.
by Sbashore
Tue Aug 19, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longer Term Investment Goals Progress Tracking
Replies: 20
Views: 1215

Re: Longer Term Investment Goals Progress Tracking

I think it's normal to treat folks that take things 4 places past the decimal point like Martians. LOL! I think it's perfectly fine to be tracking this in the way that you are - congrats on your progress! (I do think one decimal place is probably sufficient...) The only thing I worry about to the r...
by Sbashore
Tue Aug 19, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longer Term Investment Goals Progress Tracking
Replies: 20
Views: 1215

Re: Spouse not ready to cut ties with financial advisers

I'm sorry but any professional adviser who becomes a "poker buddy" is not professional. IMHO You are a sheep being shorn. I agree with this. Unfortunately these guys are using "apparent friendship" as a lever to keep and attract business. I've seen it in the financial services i...
by Sbashore
Mon Aug 18, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 98
Views: 6345

Re: Would you buy these funds that were recommended?

I'm glad you caught this before you were harmed financially. Sticking with this forum will always serve you well.
by Sbashore
Mon Aug 18, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy these funds that were recommended?
Replies: 30
Views: 1417

Re: Closest index to VTSAX?

Which Major index would have the closest results to VTSAX? DJIA, Nasdaq, S and P 500? Since VTSAX essentially "buys the market," I would think that it would very somewhat closely to one of those 3 main indexes, if not all 3? Which would be the closest? Thanks! To answer your question exac...
by Sbashore
Mon Aug 18, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Closest index to VTSAX?
Replies: 16
Views: 782

Re: Hello and Help!

Speculation is not investing. Speculation is gambling. Personally I never take a risk that doesn't need to be taken (individual stock risk, sector risk, speculative metals risk, etc.) since it is not compensated over the long term. Best of luck, because you're going to need it.
by Sbashore
Fri Aug 15, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hello and Help!
Replies: 5
Views: 474

Re: [Poll] How I Feel When I Think about Investing, etc.

I voted "Generally a pleasant experience........". I find the details of how the markets work and the psychology involved fascinating. I get a kick out of seeing the principles of investing playing out in my portfolio. I also manage another portfolio for someone close to me and enjoy helpi...
by Sbashore
Thu Aug 14, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2344

Re: More on Computer Security

My answer is "yes". I had debits applied to a checking account. It was a huge pain, and took some time for me to get my money back.
by Sbashore
Tue Aug 12, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: More on Computer Security
Replies: 17
Views: 1614

Re: Portfolio Tracker suggestion?

I use MS Excel as well. I've developed a rather large workbook with multiple sheets to fulfill my needs over the years that I've transitioned from accumulation to distribution phase.
by Sbashore
Tue Aug 12, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Portfolio Tracker suggestion?
Replies: 24
Views: 1557

Re: Should this person buy bonds??

nisiprius, Have you tried Dark Guatemala? It's delicious stuff. Nothing like French Roast. https://www.freshroastedcoffee.com/darkguat (Use coupon code 20P for a 20% discount.) He should do whatever he likes, unless , of course, it's drinking dark roast coffee. He shouldn't do that . Dark roast cof...
by Sbashore
Sat Aug 09, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Should this person buy bonds??
Replies: 16
Views: 1127

Re: Poll - Do you use Quicken?

No. I use Excel.
by Sbashore
Fri Aug 08, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5023

Re: What actions to take in a stock market crash?

livesoft wrote:I disagree with the sentiments of HomerJ.

Me too. I'm retired and rebalanced in 2008. Glad I did. Will do it again.
by Sbashore
Thu Aug 07, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5393

Re: Summer indoor humidity levels

Humidity outside is 11%, inside 33%. Central is running now. I'm in the Phoenix, AZ area.
by Sbashore
Thu Aug 07, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Summer indoor humidity levels
Replies: 18
Views: 1174

Re: Keep this VA or get out?

Even if it does return 9.2%, which is doubtful are you comfortable paying 35% of the return in fees for the "perceived" stability of income because you don't think you could manage it yourself? Personally the choice would be clear for me. All that I'd have to work out is the best way to ge...
by Sbashore
Thu Aug 07, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Keep this VA or get out?
Replies: 4
Views: 699

Re: How to give advice when you don't know much.

I've seen a lot of good advice here. Anyone who tries to rush someone into an investment most assuredly has less than honest intentions. I wouldn't sell short the weight of your advice to your friend(s). As someone who was widowed at a relatively young age (60), I know firsthand how helpful and supp...
by Sbashore
Wed Aug 06, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to give advice when you don't know much.
Replies: 33
Views: 1361

Re: Scott Burns Blog, Is inflation Coming Back?

We can only hope so. Excessively low inflation has stifled the economy, kept millions unemployed and caused unnecessary human suffering. Why is that? Are companies inclined to sit on cash? Money isn't churning because there is no imperative to spend it? Seems I remember in Economics 101 that a heal...
by Sbashore
Tue Aug 05, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Scott Burns Blog, Is inflation Coming Back?
Replies: 7
Views: 916

Re: What actions to take in a stock market crash?

galeno wrote:It helps when you've been thru 3 nasty bear markets like I have: 1987, 2000, and 2008. Risk tolerance, like whiskey, is an acquired taste.


+1 :beer
by Sbashore
Tue Aug 05, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5393

Re: Short term vs Intermediate term bond funds

I don't worry about returns over the short term. I hold bonds mainly as a shock absorber (volatility risk management). Holding intermediate term has served me well. I actually look forward to an increase in rates down the road.
by Sbashore
Tue Aug 05, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Short term vs Intermediate term bond funds
Replies: 27
Views: 2495

Re: Wife's 403(b)

It should be a relatively simple process. I've done it in the past. I would contact Vanguard first, they can help you with the transfer and open whatever accounts are needed at the same time.
by Sbashore
Mon Aug 04, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife's 403(b)
Replies: 12
Views: 749

Re: Investing Account Advice

To Hoppy, Bl, and DickenJB: Many thanks for your comments.. Bl and DickenJB : easy comments first. I will file as Head of Household as I have the girls with me. I am confident/hopeful that I will keep most of my investments and savings as 99% of it came from pre-marriage funds and are in my name. W...
by Sbashore
Sun Aug 03, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Account Advice
Replies: 10
Views: 924

Re: Any other travel freaks?

I got burnt out from travel during the last few years of work - nothing like getting off a 13 hour flight in coach then going directly to work. It was getting such that I was finding the idea of travel and the reality of airports very unpleasant. However, since stopping work this year I have been t...
by Sbashore
Sat Aug 02, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 8768

Re: Is Medigap insurance really needed?

I had the not so pleasant experience of incurring approx. $750,000 in the space of 2.5 years of medical expenses because of late wife's cancer. Being fully insured rather than just having Medicare A&B saved the vision I had for my retirement.
by Sbashore
Sat Aug 02, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4142

Re: Don't rely on mortality tables.

Enkido: In my opinion, using mortality tables for planning is more likely to mislead than help. Here's why: Mortality tables are averages. Few of us die on the date of any mortality table. Half die younger; half die older. I am older than my youngest son and my wife. The mortality table said I woul...
by Sbashore
Fri Aug 01, 2014 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Using equal mortality time intervals for planning
Replies: 17
Views: 1209

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: 54
Views: 5989

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: 71
Views: 4381

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: 35
Views: 3103

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: 2811

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: 21
Views: 1808

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: 26
Views: 1587

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: 26
Views: 1587

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: 36
Views: 2927

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: 94
Views: 5696

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: 4641

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: 1089

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: 586

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: 538

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: 538

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: 538

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: 1667

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: 54
Views: 5989

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: 2301

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: 4634

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: 2140

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: 488

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: 75
Views: 5868

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: 2855

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: 2855

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: 1830
Next

Return to advanced search