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Re: Get a financial advisor? Retired now

Thanks! I didn't account for a 50% drop in Equity Funds in a bad year. I don't know how to do a spreadsheet but I am going to simplify and get rid of Health Care, Wellington (except keep it in my Roth). $29,000 is a lot, considering that I'm not even touching it yet. Time to plan a trip and buy a d...
by Sbashore
Wed Nov 19, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 20
Views: 2570

Re: Get a financial advisor? Retired now

I pretty much agree with DBR. If you want to re-think your asset allocation, expect (plan for) a 50% drop in equity value at some point. If your AA is 50/45/5 Stocks, Bonds, Cash that equates to a 25% drop in portfolio value assuming the other classes stay steady. Using that rationale, how much of a...
by Sbashore
Mon Nov 17, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 20
Views: 2570

Re: Should I have even $1 in Bonds?

One thing I notice is it seems BH responses rarely focus on the upside or what is likely to happen but more on the 5% scenarios. This indeed maybe a prudent approach but it seems to somewhat limit the possibilities people may see for their lives. I don't see it that way. With a bond you have a cont...
by Sbashore
Mon Nov 17, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 3847

Re: Should I have even $1 in Bonds?

I don't think there's anything wrong with having 100% equity allocated to 10+ years out. As long as you have a plan for a glide path to be at a reasonable allocation when you start withdrawals. You should also avoid the mindset that just because it's 10+ years away that 100% equities will outperform...
by Sbashore
Mon Nov 17, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 3847

Re: Expenses are ??

Here's a calculator so you can see the impact of fees yourself.

http://www.buyupside.com/calculators/feesdec07.htm
by Sbashore
Sat Nov 15, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Expenses are ??
Replies: 11
Views: 1540

Re: Vanguards double dirty dozen

So my advice continues to ring true… “The smartest way get into a closed Vanguard fund is to buy it before it closes.” (Dan Wiener).

His premise that it's a good thing to get into a fund right before it closes is silly. Not worth thinking about.
by Sbashore
Fri Nov 14, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Vanguards double dirty dozen
Replies: 4
Views: 1579

Re: Confused by FEHB & Medicare

Yes I chose GEHA Standard. They actually pay more than I expected. My opinion is that the insurance companies are willing to waive deductibles and co-payments since our selection of Part B is voluntary, and if we chose not to have Part B, it would cost them much more. They are providing an incentive...
by Sbashore
Tue Nov 11, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 706

Re: Confused by FEHB & Medicare

I'm a federal retiree. I retired at age 57. I had FEHB and paid the premium just like I always did when working, with the exception of payments being made monthly instead of bi-weekly. When I turned 65 and became eligible for Medicare, I chose to participate in Part B. I did not have to, but to dela...
by Sbashore
Tue Nov 11, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 706

Re: Gold As A Currency Hedge

............... Of course this isn't always the case, but this does appear to be the trend. So I am wondering if gold and silver can actually work in a portfolio as a currency hedge? What are your thought on the subject? You summed it up for me above. My investment philosophy is not based on someth...
by Sbashore
Tue Nov 11, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 8595

Re: Visitor Info Scam

This is common in Sedona, AZ too. Mostly run by Diamond Resorts Intl. I've had experience with Diamond, they are really bad news. Stay away.
by Sbashore
Mon Nov 10, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Visitor Info Scam
Replies: 12
Views: 1668

Re: Happy 239th Birthday, U.S. Marine Corps

In 1942 my father was a brand new Ensign and the OOD in Panama. For some reason there was bad blood between the Colonel commanding the Marine detachment and Captain commanding the Naval base, and the Captain had not been invited to the USMC birthday party. The Captain was fuming and called in my fa...
by Sbashore
Mon Nov 10, 2014 11:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 700

Re: Happy Birthday, Marines!

Semper Fi

Sgt. USMC

1966-72
by Sbashore
Mon Nov 10, 2014 11:24 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 700

Re: What should I do here?

Trying to time the market is tough no? There is a lesson here. It's time in the market that counts. Decide on an AA you can stick with and move out.
by Sbashore
Sun Nov 09, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: What should I do here?
Replies: 8
Views: 803

Re: FEHBP & Medicare, what plan works best?

I'm a federal retiree. I have Medicare A, B and GEHA. Works well for me.
by Sbashore
Thu Nov 06, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: FEHBP & Medicare, what plan works best?
Replies: 4
Views: 475

Re: Help on personal (not retirement) investing

· If I invest in core four portfolio (75%/80% stock and 25%/20% bonds), what % of yearly return I am looking at? · Are there any other avenues, where my risk tolerance is not greatly compromised and I can earn more return? Though I’d love to do Day trading and earn more, I’m not quite yet knowledge...
by Sbashore
Thu Nov 06, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Help on personal (not retirement) investing
Replies: 13
Views: 1120

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I did not know that Medicare Part B precludes using HSA. Victoria I believe it's Medicare coverage, Part A, that prevents one from contributing to an HSA in tandem with the HDHP. But you can always use a pre-existing HSA to make Medicare Part B premium payments. I was planning to do that unless som...
by Sbashore
Thu Nov 06, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2149

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

This might help.

https://geha.com/About-Us/Customer-Serv ... ted-States

Of course I'd verify what the exact coverage would be for my particular plan.
by Sbashore
Wed Nov 05, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2149

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

Sbashore, you say you are using Medicare with standard GEHA. Curious why standard v. High option? Don't mean to high jack this thread. I have used GEHA for years & have been happy. Their rate increases always seem to be amongst the lowest. The network is fine. Only thing I dislike is having to ...
by Sbashore
Wed Nov 05, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2149

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I have GEHA but not HDHP. I'm satisfied with the way they handle claims and their service in general. My situation is different however. I'm retired and use GEHA as a backup to Medicare. If you use GEHA as a backup to Medicare, would not HDHP be less expensive as the backup? Victoria GEHA HDHP is d...
by Sbashore
Wed Nov 05, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2149

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I have GEHA but not HDHP. I'm satisfied with the way they handle claims and their service in general. My situation is different however. I'm retired and use GEHA as a backup to Medicare.
by Sbashore
Wed Nov 05, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2149

Re: Cash - Throw it on the table!

I'm retired and keep one years income in cash. My cash holding is part of my AA so it just gets replenished along with everything else when I rebalance according to my plan. I do track the duration of my bond holdings to make sure it coincides with my cash needs, allowing me to rebalance as needed w...
by Sbashore
Wed Nov 05, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 51
Views: 3729

Re: 2014 not a year for stock pickers

If I had a nickel for every time I've heard "it's a stock pickers market" I'd have to revisit my asset allocation. :happy
by Sbashore
Wed Nov 05, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: 2014 not a year for stock pickers
Replies: 24
Views: 3229

Re: So you think you're a Risk-taker?

New piece on the WSJ: http://blogs.wsj.com/moneybeat/2014/10/24/so-you-think-youre-a-risk-taker/?mod=WSJ_hppMIDDLENexttoWhatsNewsSecond Are you asking yourself some of those questions? Can you consider that you may be overestimating your ability to withstand risk? Thanks for the link. I've asked an...
by Sbashore
Sat Oct 25, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 3997

Re: Past Performance

First of all have a plan. Learn enough so that you can come up with a plan and establish an overall asset allocation (stocks/bonds). Understand the costs and performance factors of actively managed mutual funds and passive index mutual funds. Look for the lowest cost way to implement your plan. Look...
by Sbashore
Sat Oct 18, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: [how should new investors select funds w/o] Past Performance
Replies: 6
Views: 569

Re: First investment stratefy meeting with new FA, $6M trust

Too many red flags. Maybe you should interview another advisor. Paul I agree too. Too many red flags. The FA seems to be giving you the standard line. The question of Alpha in Mutual Fund managers ( outperformance that can be attributed to something other than luck i.e. skill) is still debated and ...
by Sbashore
Thu Oct 16, 2014 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4823

Re: It's a good day to adhere to your IPS

It's times like these that allow me to look on markets with fascination. The reaction of others. The funny news reports and yes the increase in amusing posts here. My portfolio balance is a little less amusing at times like these, but my Excel spreadsheet which implements my IPS is my refuge and all...
by Sbashore
Thu Oct 16, 2014 9:41 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to adhere to your IPS
Replies: 19
Views: 1787

Re: Treasury Bonds falling through the floor

Do you mean 2%? That's yield. Tells me the price of the bond is rising. Oh well, another false start to the "bond crash". :happy



http://news.morningstar.com/all/market- ... -data.aspx
by Sbashore
Wed Oct 15, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1415

Re: The Role of Life Expectancy

I'm retired and in the distribution phase of my investing life. I use Excel to compute two values. One is my allowable spending for the year ahead, my budget if you will. The second is another number based on my life expectancy. I use that as an upper limit to spending and to get a little perspectiv...
by Sbashore
Wed Oct 15, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: The Role of Life Expectancy
Replies: 25
Views: 1698

Re: Credit Card Issue

I've held Chase cards in the past and never had much luck with customer service. In recent memory I've gotten Chase Cards only to cancel them due to poor customer service. Your experience sounds familiar. I'll never consider Chase again. Just doesn't seem worth it.
by Sbashore
Sun Oct 12, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Issue
Replies: 26
Views: 2137

Re: Help with Desired Asset Allocation

A separate word about company stock. Concentrating equity exposure in one stock exposes you to unneeded risk for which you will not be compensated over the long term (single stock risk). That the stock is stock in your employer increases the risk since you could experience a crash in the price of t...
by Sbashore
Sat Oct 11, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Desired Asset Allocation
Replies: 4
Views: 432

Re: Help with Desired Asset Allocation

What you're missing is you are confusing two separate goals. Saving for a house in a few years and saving for retirement are two different goals with different risks. Saving for a house is a short term goal that does not fit well with investing in stocks, since they can be down, way down when you ne...
by Sbashore
Sat Oct 11, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Desired Asset Allocation
Replies: 4
Views: 432

Re: Spreadsheet for Rebalancing Bands

I have a spreadsheet that I update monthly with the current balances and monthly income by fund. A section summarizes that data by the 5%/25% bands and I look at that. If it indicates one of more funds should be rebalanced I take note it but defer any action for 2-4 more months of similar findings ...
by Sbashore
Sat Oct 11, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Rebalancing Bands
Replies: 18
Views: 1981

Re: Current market volatility

One of my core investing principles is that I have no capacity for timing the market so I have constructed a spreadsheet that accumulates all my investments by asset category and checks the allocations against target to guide any moves. I do this too. The logic in my spreadsheet plus my "notes...
by Sbashore
Sat Oct 11, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Current market volatility
Replies: 21
Views: 1743

Re: Sixth anniversary of worst week ever for stocks

I had other more pressing things to think about. I did nothing. Ultimately I ended up rebalancing in early 2009 because my AA was out of sync.
by Sbashore
Fri Oct 10, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 5350

Re: What was your initial AA and how has that worked out?

Hi all, Thought I ask the community how things have been working out since they started their Bogleheads plan. If you don't minding sharing 1. When you started. E.g. How many years ago? In the 1990's I began moving into index funds. 2. How old you were? Quite a bit younger than I am now. 3. Stock/b...
by Sbashore
Sun Oct 05, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 2555

Re: ?Which Funds to chose in Vangaurd?

Have you really looked at all of the funds your FA has you in? Perhaps going through all of your current holdings and listing their expense ratios as well as the extra FA fees will be all the proof you need to take over your accounts on your own. It will at least remind you the "cost" of ...
by Sbashore
Sun Oct 05, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: ?Which Funds to chose in Vangaurd?
Replies: 9
Views: 831

Re: Very basic bond question

The Vanguard bond funds I have experience with pay dividends monthly.
by Sbashore
Tue Sep 30, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Very basic bond question
Replies: 7
Views: 875

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 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Experience with Retiree Income Inc. services?
Replies: 3
Views: 566

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 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1682

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 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Experience with Retiree Income Inc. services?
Replies: 3
Views: 566

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 11:47 am
 
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 28
Views: 2919

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 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Does the McClellan Oscillator hold any merit?
Replies: 15
Views: 1106

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 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP Withdrawal
Replies: 7
Views: 614

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 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5349

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 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5349

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 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5349

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 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5349

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 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: My IPS and rebalancing
Replies: 12
Views: 1126

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 10:21 am
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2208
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