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Re: 35K maximum retirement contribution a year for a person?

DonCamillo wrote:But when I stop working, the RMD will be substantial.


Unless you stop early and convert out to ROTH for a while.
by Sidney
Tue Jul 22, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35K maximum retirement contribution a year for a person?
Replies: 15
Views: 700

Re: If Argentina Defaults

You might be better off investing it in Argentinian wine. Even if it doesn't appreciate in value, you can always drink it.
by Sidney
Tue Jul 22, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: If Argentina Defaults
Replies: 2
Views: 244

Re: 35K maximum retirement contribution a year for a person?

Wow, so that means I will pay very little in taxes if any since I only make 42K. Because after pension, health insurance and other stuff nothing left to tax. You have no living expenses??????????? Taxable accounts maybe. I put away 90% of my pre-tax during my part-time years prior to full retirement.
by Sidney
Tue Jul 22, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35K maximum retirement contribution a year for a person?
Replies: 15
Views: 700

Re: P/E Ratio: How do YOU interpret/use it?

Rodc wrote:In retirement it might have some value in that when something like P/E10 is high be careful about how much you sell to generate income because the size of your portfolio just might be artificially high.

So you think buying low and selling high is a bad idea?
by Sidney
Tue Jul 22, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 25
Views: 931

Re: P/E Ratio: How do YOU interpret/use it?

gkaplan wrote:I don't interpret it, and I don't use it.

This
by Sidney
Tue Jul 22, 2014 8:25 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 25
Views: 931

Re: how often do you look at your account

I'm surprised to see so many people checking frequently due to concerns about fraud. Has there been a lot of fraud with Vanguard accounts being accessed without authorization? I didn't realize that was a significant issue. It only takes 15-30 seconds. I try to check banks, credit cards etc a couple...
by Sidney
Mon Jul 21, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3447

Re: Vanguard Client Dispute Resolution Dept.

client -p wrote:That's why I was just trying to find out if anyone else's had a similar experience to mine at VGd or has suggestions about how to address it.

Almost impossible to say since you have told us virtually nothing about it.
by Sidney
Mon Jul 21, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Client Dispute Resolution Dept.
Replies: 10
Views: 1565

Re: how often do you look at your account

I go in twice a month. Once mid-month to check if there are any transactions that aren't mine. Again at the end of the month to sell something to pay bills next month.
by Sidney
Mon Jul 21, 2014 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3447

Re: Value Overvalued

Aren't these the same guys that are at the top of this list?

Taylor Larimore wrote:Bogleheads:

It is dangerous to use bank investment recommendations:

Bank Settlements in BILLIONS of dollars

Best wishes
Taylor
by Sidney
Mon Jul 21, 2014 12:44 am
 
Forum: Investing - Theory, News & General
Topic: Value Overvalued
Replies: 23
Views: 2004

Re: Can I retire early?

Does my strategy with fixed income "allow" me to continue a higher risk asset allocation? Should I extend the ladder as each matures (my tax bracket will fall in retirement)? Or should I "glide" now to 60/40? My feeling is that I will have a 35 year retirement and it is too earl...
by Sidney
Sun Jul 20, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 28
Views: 3754

Re: Wife has no retirement options- is breadwinner

Don't underestimate the value of tax-efficient after-tax investments.
by Sidney
Thu Jul 17, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3180

Re: Hints on Tri-Tip

I assumed he fat-fingered the numbers and meant 125. I don't even cook pork anywhere near 155. Only a bird to 155.
by Sidney
Wed Jul 16, 2014 11:08 pm
 
Forum: Personal Consumer Issues
Topic: Hints on Tri-Tip [Cooking]
Replies: 28
Views: 1830

Re: Where to park windfall

I'd be inclined to dump it in ST Tax Exempt and/or Ltd Term TE (one or the other or a blend). It is all going to eventually be in riskier investments so it isn't like the short term risk is higher than the risk being taken later.
by Sidney
Wed Jul 16, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to park windfall
Replies: 9
Views: 1442

Re: VCAIX

The YTD return is irrelevant. The SEC yield on this fund is 1.72%. Can you please explain the difference? I'm a newbie! thanks It's not money that would be needed in the next 5 years necessarily. Sure, the YTD return is what the fund has produced in total return since the beginning of the year. Som...
by Sidney
Mon Jul 14, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: VCAIX
Replies: 5
Views: 308

Re: VCAIX

The YTD return is irrelevant. The SEC yield on this fund is 1.72%. Keep in mind that the fund has a duration of nearly 5 years so there is moderate interest rate risk. My "rule of thumb" for fixed income investments is that my time line for needing the money should be at least 2 times the ...
by Sidney
Mon Jul 14, 2014 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: VCAIX
Replies: 5
Views: 308

Re: Is There Need for Plan 'C' (Inverse of Plan B)?

Plan C involves giving away assets.
by Sidney
Sun Jul 13, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Is There Need for Plan 'C' (Inverse of Plan B)?
Replies: 12
Views: 1047

Re: Retiring soon setting aside 3 years living expenses

freebeer wrote:Sure you would pay some cap gains tax in that case but so what,

Plus, if you were harvesting losses over the last decade when they were there for the plucking, you might not even have a taxable CG.
by Sidney
Sun Jul 13, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring soon setting aside 3 years living expenses
Replies: 49
Views: 5164

Re: Cheapest Win7 image backup media solution?

If you have another computer with a lot of HD space available, you can network them and blow the image across the network to the other computer. I've done this. This is a little slower than a USB drive but it works.
by Sidney
Sun Jul 13, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Cheapest Win7 image backup media solution?
Replies: 8
Views: 557

Re: Retiring soon setting aside 3 years living expenses

But when you spend the income from the income producing funds, you are liquidating those assets.
by Sidney
Sat Jul 12, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring soon setting aside 3 years living expenses
Replies: 49
Views: 5164

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

I don't view risk tolerance as being related to enjoyment. I always considered my HC situation when investing. At one point early in my career I came close to participating in an LBO that would have involved a lot of sweat equity. I changed my allocation before the negotiations started and then chan...
by Sidney
Fri Jul 11, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: True or False? Your risk tolerance only increases with time
Replies: 30
Views: 2322

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

Risk Tolerance should decrease with age -- human capital is being depleted -- ability to make up for miscues or market conditions is reduced,. On the other hand, if you continue to train yourself, take different assignments that increase your skills and worth, your human capital might actually incr...
by Sidney
Fri Jul 11, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: True or False? Your risk tolerance only increases with time
Replies: 30
Views: 2322

Re: Teaching Kids the Rules of Investing.

At an early age, the single most important thing to understand is SAVINGS. If you master the act of saving (or the ability to pay yourself first), the rest will follow nicely. One of the keys to this is the time value of money. A friend of mine sometimes offers his kids an advance on their future a...
by Sidney
Fri Jul 11, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: Teaching Kids the Rules of Investing.
Replies: 17
Views: 1992

Re: Changes to Vanguard Balance and Personal Performance tab

mickeyd wrote:I'm more interested in what my Vanguard portfolio looks like 10 years from now rather that 10 years ago.

If you had a DeLorean you could go back and pick better investments. If you don't have a DeLorean, that must mean that you never will ... I think.
by Sidney
Thu Jul 10, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Changes to Vanguard Balance and Personal Performance tabs
Replies: 18
Views: 2087

Re: Vanguard Internet

letsgobobby wrote:because I made her

Not a phrase I would use.
by Sidney
Thu Jul 10, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Internet
Replies: 23
Views: 2667

Re: IRS limits direct deposts of refunds to fight Identity T

Interesting problem for the IRS. It doesn't seem to solve the problem. They could hold up all refunds or all refunds over $X dollars until April 15th to see duplicate filings- but that might bring torches and pitchfork crowds. How about holding up/verifying when the direct deposit bank routing/acco...
by Sidney
Thu Jul 10, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3295

Re: Changes to Vanguard Balance and Personal Performance tab

I have statements that go back to when I opened my account. Now that the tax basis was reset during the 2008-09 great TLH opportunity, I'm not sure why I need them.
by Sidney
Thu Jul 10, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Changes to Vanguard Balance and Personal Performance tabs
Replies: 18
Views: 2087

Re: $47,000 cash now or $330 per month for life

Price a SPIA and you will get a good answer.
by Sidney
Wed Jul 09, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: $47,000 cash now or $330 per month for life
Replies: 33
Views: 4901

Re: Vanguard Internet

i don't know what the answer is. clark howard recommends using a separate computer that is dedicated ONLY to accessing financial accounts. no surfing. no email. sounds like a good idea to me although admittedly i don't do it. yet. Really don't need a separate computer. Use a VM or a bootable Linux ...
by Sidney
Wed Jul 09, 2014 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Internet
Replies: 23
Views: 2667

Re: What finance experts do you follow on Twitter?

hiddensee wrote:Large quantities of short, imprecise statesments delivered over an extended time period seems like the worst possible way to talk about finance. Or really most things worth talking about.

Plus, time slices on Twitter are in minutes and investment horizon is in decades.
by Sidney
Wed Jul 09, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 35
Views: 4451

Re: Erasing hard disk that have died

It's amusing that most of the physical methods mentioned in this thread are far less effective than even 1 pass from software. I have seen data recovered from drives left in water and drives with lots of holes drilled in them. The only solution seems to be to build a giant slingshot and fire that t...
by Sidney
Tue Jul 08, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3179

Re: Do you deviate from the owner's manual?

For oil changes, if I am putting a lot of highway miles on the car, I will usually push the mileage beyond the recommended interval.
by Sidney
Tue Jul 08, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Do you deviate from the owner's manual?
Replies: 35
Views: 3136

Re: POLL: Are You Re-Balancing?

I have never been a systematic rebalancer. In 2007 I started to get nervous and shifted new 401k contributions heavily to bonds, something that really took a lot of the sting out of the crash. I have again been letting things ride since then and just this month got nervous enough to take a some of ...
by Sidney
Tue Jul 08, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4943

Re: Individual Asset Volatility and Portfolio Rebalancing

I think rebalancing "rules" and "bands" are a waste of time, as is a 5% allocation to anything. Own a significant amount (15%+) of a few asset classes, check your portfolio once in a while, and if it feels like you're out of balance, rebalance. I have to disagree. Rebalancing wh...
by Sidney
Sun Jul 06, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual Asset Volatility and Portfolio Rebalancing
Replies: 9
Views: 387

Re: Vanguard - Energy Fund

I own a small amount from years ago. Would not buy it today. This will probably get dumped in my DAF at some point.
by Sidney
Wed Jul 02, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard - Energy Fund
Replies: 31
Views: 3793

Re: Advice on redesigning my parents' retirement portfolio

Did they explicitly ask for your help?


What was the answer?
by Sidney
Mon Jun 30, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on redesigning my parents' retirement portfolio
Replies: 16
Views: 1074

Re: do you lie about your finances to friends

pennstater2005 wrote:I avoid finance discussions such as that like the plague.

Same here. Nobody has ever asked. Not even family members.
by Sidney
Mon Jun 30, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 8856

Re: The Millionaire Next Door: Are You One?

Not totally reliable, but if the said neighbor explicitly tells you they were given a gaggle of stock options in their company and you know the stock has appreciated considerably - well that is one indicator. The other indicator is vacation travel to places that cost $$$. Owning a Benz outright is ...
by Sidney
Mon Jun 30, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22063

Re: Financial tracking SW

I was referring to investments, not software. Actually, about all I keep track of anymore is tax basis. Been a long time since I've had to monitor unrealized losses. For AA I just look at the little pie chart on the VG homepage.
by Sidney
Fri Jun 27, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Financial tracking SW
Replies: 7
Views: 603

Re: Financial tracking SW

Spreadsheet. If I can't get it done in a simple spreadsheet, it is too complicated for my needs.
by Sidney
Fri Jun 27, 2014 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Financial tracking SW
Replies: 7
Views: 603

Re: Paperless Statements (bank checking acct)

... but if everyone on electronic delivery all of a sudden switched to paper delivery, I guarantee you the banks would increase fees or lower interest rates.... And do you believe if everyone switched to paperless they'd lower fees or increase interest rates just because they were able to reduce co...
by Sidney
Thu Jun 26, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3029

Re: Paperless Statements (bank checking acct)

For the bank we have been paperless for a while. Most of our transactions go on one of two credit cards so the bank account doesn't see that many transactions during a normal month. Reconciling by eye-ball is easy enough.
by Sidney
Thu Jun 26, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3029

Re: Stock / Bonds Allocation

If you can handle the volatility, you can potentially retire years earlier, I think people should also consider that when they have something less volatile like 70/30 at a young age, they have to work a few extra years. (e.g. 6 extra years at work vs sleepless nights during 2008 etc) Although for s...
by Sidney
Wed Jun 25, 2014 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Stock / Bonds Allocation
Replies: 48
Views: 2374

Re: Bonds vs. Cds Discussion

Doc wrote:CD's don't have this attribute.

How do brokered CDs do?

Brokered CDs are really the only practical way to do significant volume with CDs. Treasuries have no volume issues either. But I have never really compared the price performance.
by Sidney
Wed Jun 25, 2014 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds vs. Cds Discussion
Replies: 22
Views: 1466

Re: % of expenses in retirement

livesoft wrote:I would have guessed that the need for life insurance would have gone to zero in retirement.

Especially if you are single and no kids.

I stopped paying for life insurance when our combined assets plus the survivor benefits under my pension were sufficient to safely cover my spouse's living needs.
by Sidney
Sat Jun 21, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: % of expenses in retirement
Replies: 47
Views: 3208

Re: Tracking down unknown data usage

My wife had a similar situation. VZ told us that even a dumb phone has some maintenance data that moves from time to time. Especially if they update their cell tower information.
by Sidney
Sat Jun 21, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: Tracking down unknown data usage
Replies: 10
Views: 960

Re: Seattle Restaurants

livesoft wrote:Restaurants to me are more about the people I eat with than the food and wine.

That's why hot dogs, peanuts and ordinary beer taste so good at baseball games.
by Sidney
Tue Jun 17, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Seattle Restaurants
Replies: 17
Views: 1025

Re: Early retirement gotchas

I think some people overlook expenditures for replacing major capital items (other than cars which you noted). Roof, furnace/AC system ...
by Sidney
Tue Jun 17, 2014 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement gotchas
Replies: 28
Views: 5358

Re: Are MBS's safe for bond heavy portfolios?

My understanding is that one issue with MBS is that the duration is not stable when rates change.
by Sidney
Tue Jun 17, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Are MBS's safe for bond heavy portfolios?
Replies: 14
Views: 767

Re: Any free tool for budget estimation?

Google docs has a free online spreadsheet. Anything more complicated that a handful of lines on a spreadsheet is spurious accuracy IMO. I also prefer to do a budget ground up rather than top down.
by Sidney
Tue Jun 17, 2014 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Any free tool for budget estimation?
Replies: 12
Views: 625

Re: Email service alternatives to MSN hotmail and Gmail?

Ron wrote:What is wrong with the mail service provided by your (ISP) internet provider?

- Ron

Many are quite good. One drawback (which doesn't affect some people) is that they are often not portable. If you move, you may have a different ISP and have to start from scratch.
by Sidney
Sun Jun 15, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Email service alternatives to MSN hotmail and Gmail?
Replies: 22
Views: 1957
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