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Re: Very basic bond question

The Vanguard bond funds I have experience with pay dividends monthly.
by Sbashore
Tue Sep 30, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Very basic bond question
Replies: 7
Views: 743

Re: Experience with Retiree Income Inc. services?

Steve, Thanks for taking the time to look over their website. Their fees are pretty reasonable: e.g., $500 for a plan for assets up to $1 million. I have learned a lot from reading through the forum, the wiki and the books recommended here. I am looking for detailed advice on finding the right bala...
by Sbashore
Tue Sep 30, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Experience with Retiree Income Inc. services?
Replies: 3
Views: 523

Re: need for a backup credit card?

2-3 is a good idea. I had an AMEX card hacked and discovered it the night before leaving on vacation. The new card was waiting for me when I got home ten days later. It was nice to have a spare.
by Sbashore
Mon Sep 29, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1405

Re: Experience with Retiree Income Inc. services?

I looked at the link. It's a registered investment advisor that promises a fiduciary relationship. They didn't disclose any costs on the site that I could see and I have no experience with them. My gut feeling is that you could probably accomplish the same thing, for less expense through the advice ...
by Sbashore
Mon Sep 29, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Experience with Retiree Income Inc. services?
Replies: 3
Views: 523

Re: "How Retirement Fees Cost You"

Thank you Taylor. I've forwarded the link, hopefully it will help some people.
by Sbashore
Sun Sep 28, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 28
Views: 2678

Re: Does the McClellan Oscillator hold any merit?

22twain wrote:The McClellan Oscillator? Sounds like a novel by Robert Ludlum about a spy who constantly switches back and forth from one side to the other. 8-)


Or a Civil War General that couldn't make up his mind. 8-)
by Sbashore
Sat Sep 27, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Does the McClellan Oscillator hold any merit?
Replies: 15
Views: 1072

Re: TSP Withdrawal

My wife resigned from federal service last Feb. We have kept her TSP but are considering moving it into an IRA with Wells Fargo. We are both 55 and we will not be needing the money for some time. Right now the money is in the L2020 Fund, ~$270K. While I know the expense ratio is higher in the IRA I...
by Sbashore
Sat Sep 27, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP Withdrawal
Replies: 7
Views: 585

Re: Why not 100% CD's?

The cumulative rate of inflation from 1970-1979 was 87.1 % (US Inflation Calculator using Gov't CPI figures) If you're convinced that comparing equity volatility risk to inflation risk is specious for your situation I certainly hope you're right. Guess we'll find out. :happy Well let's be fair. Tak...
by Sbashore
Sat Sep 27, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 4959

Re: Why not 100% CD's?

The cumulative rate of inflation from 1970-1979 was 87.1 % (US Inflation Calculator using Gov't CPI figures) http://www.usinflationcalculator.com/ If you're convinced that comparing equity volatility risk to inflation risk is specious for your situation I certainly hope you're right. Guess we'll fin...
by Sbashore
Fri Sep 26, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 4959

Re: Why not 100% CD's?

If you have a low risk tolerance your AA should reflect that. Staying away from equities 100% though will just be trading one risk (volatility) for another (inflation risk). Sbashore - I appreciate the thought, but would you not agree that at a low enough withdrawal rate, allocation matters little?...
by Sbashore
Fri Sep 26, 2014 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 4959

Re: Why not 100% CD's?

If you believe Vanguard's latest forecasts of future returns in their 2014 Economic and Investment Outlook, their models project 10-year, average real returns for a 60% stock/40% bond portfolio in the 3.1% -5.2% range. As a retired investor with a low risk tolerance, five-year CD's paying 3% would ...
by Sbashore
Fri Sep 26, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 4959

Re: My IPS and rebalancing

To answer some of those questions above. Yes, currently my monthly contributions come out to about 1.2% of my portfolio. Yearly it is about 14.6% of my portfolio. Obviously those numbers decrease with growth and new contributions which is why it is so easy to rebalance with new contributions today ...
by Sbashore
Thu Sep 25, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: My IPS and rebalancing
Replies: 12
Views: 1065

Re: Do you consider Dan Wiener to be a Boglehead?

I voted the first option - "already knew who he was". I did a search and it took me about 30 seconds on his home page to conclude that he had nothing of interest for me. I'm no fan of newsletters and would make no exception for his. I think he is just someone trying to capitalize on the Va...
by Sbashore
Tue Sep 23, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2075

Re: Safe Withdrawl Rate

BigJohn Thanks for your reply. You make a good point. My budget does include a fair amount of discretionary spending that could be eliminated (i.e. private country club membership and $20,000 plus per year for travel). What would your suggestions be to make certain we don't deplete our principal? N...
by Sbashore
Tue Sep 16, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2383

Re: What evidence would prove the Boglehead mentality wrong?

Passive investing would be suboptimal if you could demonstrate an implementable alternate strategy that provides superior returns after all costs (including trading, taxes, market impact, and any management fees). You will also need to show that the strategy could not be be implemented inside a pas...
by Sbashore
Tue Sep 16, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 109
Views: 7629

Re: How often do YOU rebalance and when?

I rebalance when I am outside my tolerance bands and limit any given rebalance action to once a year.
by Sbashore
Tue Sep 16, 2014 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1977

Re: Need advice on which tablet to buy

I have a Kindle Fire HDX 8.9 " Display. I upgraded from an original iPAD. I'm thoroughly satisfied with it. I bought it on specs (processor, memory) and it paid off.
by Sbashore
Fri Sep 12, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2583

Re: Your favorite international/global dividend fund/etf?

Total International Stock Index Admiral (VTIAX).
by Sbashore
Fri Sep 12, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your favorite international/global dividend fund/etf?
Replies: 1
Views: 182

Re: Individual Stocks

I have a curiosity question. Do you invest in any individual stocks, or only in mutual funds? I do like to evaluate companies and have a few individual stocks, I'm curious about others on the forum. Thanks I got that out of my system in the 90's. :happy I'm now exclusively in index funds, although ...
by Sbashore
Fri Sep 12, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 46
Views: 3227

Re: Angry when stock market is down

I observe with interest the effect the markets have on my portfolio. I don't experience much of an emotional swing. That's because I have great confidence in my plan. How about you?
by Sbashore
Fri Sep 12, 2014 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4165

Re: Financial Planners, DFA, and your opinions please!

The reason I want a financial planner now is because of changes all happening at once. 1) We have a 19 month old and I'm now a stay at home dad.. financially I wasn't making engineering money either because I was moving all over the country following my wife as she moved all around. I wasn't in one...
by Sbashore
Sat Aug 30, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial Planners, DFA, and your opinions please!
Replies: 28
Views: 1670

Re: Schwab Financial Consultant

Hi I have a longstanding acct at Schwab. There is a "Financial Consultant" assigned to my acct, but is useless, IMO Does anybody else have any experience with this? It would be nice to have kind of a "Concierge" but this guy mostly just tries to sell me Schwab stuff; or give me ...
by Sbashore
Tue Aug 26, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Financial Consultant
Replies: 10
Views: 932

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: 39
Views: 3741

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: 417

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: 1258

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: 1258

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: 112
Views: 9052

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: 1530

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: 840

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: 486

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: 2384

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: 1627

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: 1588

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: 1133

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: 5263

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: 5601

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: 1207

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: 702

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: 1399

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: 930

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: 5601

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: 2597

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: 783

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: 973

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: 8880

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: 4347

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: 1279

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: 6278

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: 4478
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