Search found 475 matches

by Swampy
Wed Jul 29, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Am I just getting old?
Replies: 19
Views: 1966

Re: Am I just getting old?

If you're not getting old(er), you're dead. :mrgreen:

:happy
by Swampy
Wed Jul 29, 2015 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Advisor fee question
Replies: 19
Views: 1347

Re: Advisor fee question

Most was in qualified accounts. Talk to your CPA before doing anything to see if there's a way you can avoid getting hit too hard. Bottom line, if you get hit with a tax bill for moving once - it's over. You have to weigh that against substandard returns and getting bled dry slowly over the years. ...
by Swampy
Tue Jul 28, 2015 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor fee question
Replies: 19
Views: 1347

Re: Advisor fee question

After reading extensively and finally getting the courage to fire my financial advisor who was taking 1% plus his 12b-1 kickbacks from high expense ratio funds three years ago, I am many thousands of dollars ahead by switching to low expense ratio index funds. The most deceptive part of advisory fee...
by Swampy
Sun Jul 26, 2015 7:34 am
Forum: Investing - Theory, News & General
Topic: Scott Burns – Don’t quit your day job.
Replies: 100
Views: 9568

Re: Scott Burns – Don’t quit your day job.

Everything is always clearer with 20:20 hindsight.

I wouldn't suggest driving down a freeway just looking in the rearview, though.
by Swampy
Sun Jul 26, 2015 7:32 am
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 5479

Re: 50/50 asset allocation

VWIAX 0.18 ER. (38% equity/62% bond) VWENX 0.18 ER. (65% equity/35% bond) VASIX 0.14 ER. (20% equity/80% bond) VTI 0.05 ER. (100% equity) BND 0.07 ER. (100% bond) Is it really that hard to allocate and rebalance so that you choose to pay a multiple of the base ER which could add thousands to your co...
by Swampy
Sat Jul 25, 2015 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly W2 - Any Retirement Options?
Replies: 10
Views: 822

Re: Hourly W2 - Any Retirement Options?

You can always put money in a non-qualified account.
by Swampy
Sat Jul 25, 2015 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: $100,000 to invest for two years
Replies: 13
Views: 1325

Re: $100,000 to invest for two years

If you had $100,000 to invest for only two years and you were disappointed with interest rates in safe savings instruments, where would you put it? You are willing to take some risk but you don't want to lose it all. This is a fantasy based question, not a recommendation. I'd deal with my disappoin...
by Swampy
Wed Jul 22, 2015 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for a down payment
Replies: 3
Views: 367

Re: Saving for a down payment

I was thinking of using the following allocation in my taxable account and was wondering if this is a good distribution


90% equities?

IMHO, no.
by Swampy
Wed Jul 22, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Does my estate planning attorney need to know net worth?
Replies: 16
Views: 2766

Re: Does my estate planning attorney need to know net worth?

Having just completed a family trust and a special needs trust, I think the attorney should have an "idea" of what your assets are, but I don't think the attorney needs to know your specific net worth. Our attorney was given a fair approximation of net worth, including term life insurance...
by Swampy
Mon Jul 20, 2015 9:40 am
Forum: Personal Finance (Not Investing)
Topic: retiring at 65 vs 66
Replies: 14
Views: 1532

Re: retiring at 65 vs 66

Another way to look at it is,

is it worth working another year for possibly getting $2.66 a day extra - rather than just enjoying life now?
by Swampy
Mon Jul 20, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: retiring at 65 vs 66
Replies: 14
Views: 1532

Re: retiring at 65 vs 66

My thoughts on this are quite simple,

A bird in the hand is worth two, or many more, in the bush.
by Swampy
Sat Jul 18, 2015 8:38 am
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6006

Re: losing money on a house....how do Bogleheads deal with it emotionally?

How do Bogleheads deal with losing money on a house? Scenario: - Moved from city A to city B for a new job 3 years ago. - 6 months into living in city B we bought a new construction townhome thinking we would stay here for a long time. - In the last year, DW has become VERY unhappy with city B and ...
by Swampy
Fri Jul 17, 2015 3:02 pm
Forum: Investing - Theory, News & General
Topic: Wade Pfau on Asset Allocation Using PE10
Replies: 83
Views: 5993

Re: Wade Pfau on high CAPE ratios

I believe that this is already being discussed here:

viewtopic.php?f=10&t=169344

Maybe LadyGeek could merge the two for simplicity?

Personally, I see nothing wrong with using it as a tool.

I LIKE to buy things on sale.
by Swampy
Thu Jul 16, 2015 5:10 pm
Forum: Investing - Theory, News & General
Topic: Backtesting Calculator for 3-4 fund portfolios, etc.
Replies: 3
Views: 319

Re: Backtesting Calculator for 3-4 fund portfolios, etc.

Thank you!

The PortfolioVisualizer is exactly what I was looking for.
by Swampy
Thu Jul 16, 2015 4:49 pm
Forum: Investing - Theory, News & General
Topic: Backtesting Calculator for 3-4 fund portfolios, etc.
Replies: 3
Views: 319

Backtesting Calculator for 3-4 fund portfolios, etc.

Is there a link to a backtesting calculator which allows one to vary the asset allocation in the various portfolios, from the standard three fund portfolio to the lazy portfolios? Example, instead of having equal allocations to each of the three funds in the 3 fund portfolio, how would one simply ca...
by Swampy
Wed Jul 15, 2015 7:44 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6797

Re: I tipped 15% and got a dirty look

Just another reason why we eat at home more often than not.
It's tedious.

I really despise putting up with this nonsense.

I don't tip on tax, however if it's BOGO or discount night, I'll definitely tip based on including the full price of the reduced or 'free' meal.
by Swampy
Tue Jul 14, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3316

Re: Beach getaway recommendations please

A 3-4 night stay?

That means a 2-3 DAY stay. You lose 2 days in travel wherever you decide to go.

Since you're in Texas, what's wrong with one of the Texas barrier islands?

No international flights or borders and you're close to home - just in case.
by Swampy
Mon Jul 13, 2015 8:28 pm
Forum: Investing - Theory, News & General
Topic: DFA to run ETFs for John Hancock
Replies: 29
Views: 3557

Re: DFA to run ETFs for John Hancock

Is this a possibly a reason to consider dumping DFA?
by Swampy
Mon Jul 13, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 4535

Re: Builder wants to put a retaining wall on my property

If anything, new development should be as beneficial to the current local residents as it is to the builder and new residents, IMPROVE property values, maintain good land stewardship and follow good neighbor relations. If the builder stands to profit from this, don't be a sucker and sign away any of...
by Swampy
Mon Jul 13, 2015 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2879

Re: Left Ed Jones...what now?

Congratulate yourself on escaping early on, unlike many of us. HCKAX has an expense ratio of 1% AFTER a 5.5% sales commission which was paid by your predecessor. A comparable fund, VWELX has an expense ratio of 0.26% and no sales commission. You do the math. -----------------------------------------...
by Swampy
Mon Jul 13, 2015 6:05 am
Forum: Personal Finance (Not Investing)
Topic: What's lining up to be the next big bubble?
Replies: 34
Views: 2853

Re: What's lining up to be the next big bubble?

I've been reading a ton of concerned posts on here regarding a potential market down turn. Some of these posts are mentioning a 30% decline, that's scary!! Are there currently signs out there that back this up? If 08' was the real estate bubble, then what possibly could the next blowout be? I don't...
by Swampy
Wed Jul 08, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to property values when a new development is started?
Replies: 5
Views: 849

What happens to property values when a new development is started?

Living on the periphery of civilization we have enjoyed the natural beauty, peace and quiet, plenty of wildlife (deer, sandhill crane, bald eagle, fox, hawk, boar, bobcat, coyote, a rare panther, raccoon, armadillo, gator, snake...) and open space not found in urban areas. We were fortunate to find ...
by Swampy
Tue Jul 07, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question
Replies: 10
Views: 854

Re: Asset Allocation Question

ruralavalon wrote:
An asset allocation of 65/45 seems fairly typical for age 52. And if you are comfortable with that allocation then you are fine.


65/45 is 110, not 100.
by Swampy
Tue Jul 07, 2015 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Where to start
Replies: 9
Views: 632

Re: Where to start

Where to start? Simple. Put money away into a money market or savings account to build up at least a six month emergency cash position. It'll give you time to research Bogleheads and some reading material at the library for free. Beware of ANYONE who says you can't successfully do it yourself and of...
by Swampy
Tue Jul 07, 2015 7:30 am
Forum: Investing - Theory, News & General
Topic: Spending from separate retirement buckets
Replies: 46
Views: 4266

Re: Spending from separate retirement buckets

Many interesting comments so far regarding buckets. As I said at the beginning, it seems that using separate buckets would allow for earlier corrective action either way - at least it does to me - with less intense or prolonged consequences. Based on an excerpt from Kevin on Investing: Investment ho...
by Swampy
Sun Jul 05, 2015 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Investing lump sum
Replies: 25
Views: 1979

Re: Investing lump sum

How was the pension invested prior to getting the lump sum? Given that investing at any time involves a certain degree of uncertainty, you have to accept and take risk either way. Some here believe in just doing it and being done with it. Others believe in dollar cost averaging over a certain period...
by Swampy
Sat Jul 04, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panel investment - financially worth it?
Replies: 39
Views: 4796

Re: Solar panel investment - financially worth it?

I've explored solar photovoltaic systems numerous times over the last few decades. It didn't make financial sense then and it still doesn't to me. However - it opened another avenue of thought. Having a solar hot water heater could be beneficial and save a few bucks with a more immediate payback ter...
by Swampy
Thu Jul 02, 2015 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: MetLife Experience for Auto/Home/Umbrella?
Replies: 9
Views: 1396

Re: MetLife Experience?

No experience with Met Life, however we had insurance with another big name company. We thought we were being rewarded for being good policy holders, paying premiums on time and never made a claim. We thought wrong. Turns out the insurance industry actually takes advantage of 'good' customers by not...
by Swampy
Wed Jul 01, 2015 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6668

Re: Unknown phone calls

We get our share of these.

Very annoying - to say the least.
by Swampy
Tue Jun 30, 2015 9:10 am
Forum: Personal Finance (Not Investing)
Topic: ATM Withdrawal
Replies: 15
Views: 1049

Re: ATM Withdrawal

Change banks


+1
by Swampy
Tue Jun 30, 2015 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Delaying SEP-IRA contribution in the wake of Greek default
Replies: 5
Views: 481

Re: Delaying SEP-IRA contribution in the wake of Greek default

Why not contribute to a money market account - or is that not an option?
by Swampy
Mon Jun 29, 2015 7:10 pm
Forum: Investing - Theory, News & General
Topic: Spending from separate retirement buckets
Replies: 46
Views: 4266

Re: Spending from separate retirement buckets

Interesting points so far.
by Swampy
Mon Jun 29, 2015 6:52 am
Forum: Investing - Theory, News & General
Topic: Spending from separate retirement buckets
Replies: 46
Views: 4266

Spending from separate retirement buckets

Instead of looking at the whole portfolio as one entity for the rest of one's life in retirement, how many approach it with a bucket style of investing? In other words, does anyone have a bucket to deplete for the first 3-5-7-10 years, then another for a second similar time frame and so on until one...
by Swampy
Fri Jun 26, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for an extended summer getaway
Replies: 8
Views: 1040

Re: Suggestions for an extended summer getaway

Nothing against Utah. Just unsure how cool the weather is in summer, so I'd rather gravitate further north - from latitude 45 north and up.
by Swampy
Fri Jun 26, 2015 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for an extended summer getaway
Replies: 8
Views: 1040

Re: Suggestions for an extended summer getaway

Definitely nature settings. I've had enough of urban canyons. National parks are good for a few days, not necessarily a month. Besides, these tend to be more remote and, as a result, far more expensive for limited amenities and provisions. Besides, the last time we were at Yosemite, it was packed wi...
by Swampy
Thu Jun 25, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: What to do when there is no responsible family, trusts, wills, POA, etc.
Replies: 8
Views: 1306

Re: What to do when there is no responsible family, trusts, wills, POA, etc.

After a lot of research and soul searching, we're at the tail end of this and due to sign the final papers next week. It has taken about 10 months to do - after narrowing the field down - and even then, we encountered dead ends, falsehoods and fits and starts. It's a very difficult process and, unfo...
by Swampy
Thu Jun 25, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for an extended summer getaway
Replies: 8
Views: 1040

Suggestions for an extended summer getaway

Looking for suggestions for an extended 4-8 week summer getaway away from Florida in 2016. Depending on location, we are amenable to either staying put the entire time or possibly 'bouncing around' and staying in a location for 1-2 weeks, then moving on to the next. We prefer being outside of urban ...
by Swampy
Wed Jun 24, 2015 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Rent or Sell House with ~$300K capital gain?
Replies: 14
Views: 1286

Re: Rent or Sell House with ~$300K capital gain?

jc98 wrote: But we also like the idea of having a rental at a low property tax rate since we bought it a while back. We'll net a profit about $700 per month with the rental, plus renters would be paying $2k toward the mortgage. That's assuming an awful lot - real estate taxes have an insidious way o...
by Swampy
Mon Jun 22, 2015 11:17 am
Forum: Investing - Theory, News & General
Topic: Another reason Bogleheads will rule: Journalism for personal investing is becoming pathetic
Replies: 7
Views: 1464

Re: Another reason Bogleheads will rule: Journalism for personal investing is becoming pathetic

Rx 4 investing wrote: The father of value investing, Benjamin Graham, offered this insight many years ago: "Individuals who cannot master their emotions are ill-suited to profit from the investment process." Some of the Forum comments from younger investors about their best intentions to s...
by Swampy
Sun Jun 21, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 17789

Re: Is it worth aspiring to get more?

TimeLord wrote: Dying before I can retire really isn't a big deal for me because along the way I have been able to do a lot of wonderful things in my life. If that's what you believe - OK. Here's a link to an interesting study: http://faculty.kfupm.edu.sa/COE/gutub/English_Misc/Retire1.htm Consideri...
by Swampy
Sun Jun 21, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3154

Re: HVAC Questions - Straight AC vs Heat Pump

The copper line that goes from the air handler to the compressor???

No. They welded the units to the existing lines.

It wasn't listed as a routine part of the replacement from any company that I received quotes from.
by Swampy
Sat Jun 20, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3154

Re: HVAC Questions - Straight AC vs Heat Pump

Replaced both, the air handler and a newer 410 compressor heat pump system before the THI went to 120. The AC people were able to mount the air handler on the current filter rack so I could continue using the same sized filters. I guess I'll see how the electric bills bear out. I'll also see how wel...
by Swampy
Sat Jun 20, 2015 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 3274

Re: Financial and worldly advice to college kids

EmergDoc wrote: It annoys me when people consider college students to be children. They're not. They're old enough to vote. They're old enough to get a job and support themselves. They're old enough to die for their country. They're old enough to die for their crimes and be tried as an adult. This w...
by Swampy
Sat Jun 20, 2015 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 14369

Re: Will we be eating cat food?

grettman wrote:
Sorry to say I'm annoyed by the question given the stated financial situation and obvious intellect within the household.


+1

I have to agree, this is a shameless humblebrag.

msrumphius, how much is enough?
by Swampy
Sat Jun 20, 2015 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 17789

Re: Is it worth aspiring to get more?

How much is enough?
by Swampy
Sat Jun 20, 2015 6:01 am
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 21
Views: 2860

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

Three places within a short drive of each other from both World Wars that should not be missed: Stand quietly in tragic wonder at Luxembourg American and Sandweiler German Cemeteries in Luxembourg. Patton is interred in the first. Then go to the beautiful yet bleak Douaumont Ossuary/Cemetery near Ve...
by Swampy
Fri Jun 19, 2015 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 14369

Re: Will we be eating cat food?

msrumphius wrote:
Our home is in a brisk zip code.


Huh???

$3.5 million at age 70 and he's worried about cat food???

How long does he plan on living?

He might tolerate tuna salad just fine after he turns 100. :P
by Swampy
Fri Jun 19, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 3274

Re: Financial and worldly advice to college kids

Good answers so far. It seems that there are many more distractions to good financial decision making than when I was entering adulthood. A lot of these distractions seem to be quite negative to one's wealth and health, like the proliferation of fast (not inexpensive and definitely not quality) food...

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