Search found 310 matches

by antiqueman
Tue Aug 25, 2015 7:02 pm
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 74
Views: 7992

Re: How do you "Stay the Course"?

This round of declines is the first time I have been able to stay the course. I think the reason I can do this, is because my wife and I both have good jobs and we have sufficient CD's , G Fund and Stable Value Fund investments to give us basic living expenses for 15 years. Also reading this forum f...
by antiqueman
Sun Aug 23, 2015 10:24 pm
Forum: Investing - Theory, News & General
Topic: Is there consensus on reinvesting dividends or taking in cash?
Replies: 8
Views: 931

Re: Is there consensus on reinvesting dividends or taking in cash?

If you are paying fees, you are doing investing wrong. Open an account at Vanguard and trade commission-free ETFs and mutual funds.[/quote]

I cant move it to Vanguard because its a 401k through employer, with Schwab as the custodian.
by antiqueman
Sun Aug 23, 2015 9:38 pm
Forum: Investing - Theory, News & General
Topic: Is there consensus on reinvesting dividends or taking in cash?
Replies: 8
Views: 931

Is there consensus on reinvesting dividends or taking in cash?

I have read a number of post that say one should reinvest their dividends for "total return" I have read other post, from people on the forum who seem to some of the "leaders" that state they take their dividends in cash and then use the dividends to buy the asset class that need...
by antiqueman
Tue Aug 11, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2126

Re: Architectural Shingles VS Metal Roof

[quote="tomd37"]If roof gets damaged by something falling on it, what is the repair procedure with metal roof? How easy or difficult? Is there a noise factor when it rains on a metal roof? Are you prone to hail in your area in a severe thunderstorm? Will your home insurance cost more with ...
by antiqueman
Tue Aug 11, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2126

Re: Architectural Shingles VS Metal Roof

[quote="EddyB"]What is the relevant climate and exposure? Is $9k a meaningful or trivial percentage of the value of the home?[/quote] Climate is the Southeast. Hot summers and rainy in the winter. Winter temps can get into upper teens and sometimes close to zero. 9k is about 3% of value of...
by antiqueman
Tue Aug 11, 2015 8:52 pm
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2126

Architectural Shingles VS Metal Roof

I am re roofing my house and trying decide if I should use a metal roof or architectural shingles. The metal roof would cost 9k more than the shingles. This is a house I plan to live in until I die. (Lets say I will live 30 years) Which ever I chose will be installed by one of the premier, long esta...
by antiqueman
Sun Aug 09, 2015 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Current CD rates and online banking
Replies: 54
Views: 5988

Re: Current CD rates and online banking

"I personally subscribe more to the Liability Matching Portfolio (LMP) concept that I learned about from William Bernstein's [i]Ages of the Investor[/i] booklet,..." Kevin, do you in your LMP ladder each year with " X" amount of CD's and do you have a separate Portfolio for your ...
by antiqueman
Wed Aug 05, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 74
Views: 6455

Re: Buying a Rolex Watch

I bought a Rolex similar to the one you mentioned in 2004. It has been, and is, a nice watch. However I would not buy it again. It has to be cleaned and serviced every 3 to 4 years at $350.00 to $500.00. Further, now that I am older I don't have the same desire for the watch I did when I was younger...
by antiqueman
Tue Aug 04, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: "A different kind of retirement calculator"
Replies: 32
Views: 4605

Re: "A different kind of retirement calculator"

The bigger question to me is " How can 2 years make that much difference".

I some what understand the sequence of returns, but that seem a very large difference for just 2 years.

Does anyone have an answer of why so much difference?
by antiqueman
Thu Jul 30, 2015 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion 10.31. 2012
Replies: 2
Views: 252

Re: Roth conversion 10.31. 2012

Thanks--Sharpjm
by antiqueman
Thu Jul 30, 2015 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion 10.31. 2012
Replies: 2
Views: 252

Roth conversion 10.31. 2012

I have tried to understand the Roth rules but continue to be confused. While I do not plan to withdraw the Roth soon I would like to know when the five year period is up for a Traditional IRA converted to a Roth IRA on 10/31/2012. Is the five year's up on Jan. 1 2017 or October 31, 2017. Or neither?...
by antiqueman
Tue Jul 28, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Handling Medical Expenses in Retirement
Replies: 18
Views: 1420

Handling Medical Expenses in Retirement

For those in retirement how do you handle medical bills that aren't covered by insurance or medicare. While working my wife and I defer X amount a year through our employer. We use a credit card for the medical expenses for those expense the insurance doesn't pay. We charge it on the credit card and...
by antiqueman
Sat Jul 25, 2015 8:43 am
Forum: Investing - Theory, News & General
Topic: 10-Year TIPS Auction July 23 2015
Replies: 29
Views: 2850

Re: 10-Year TIPS Auction July 23 2015

Reference Doc's comments---By dividing the number of bonds you want if there was an immediate auction by the inflation factor of the secondary market bonds do you obtain the same spending amount in todays dollars. In Doc's example if you need to buy 10k (10 bonds) in initial offering but decided to ...
by antiqueman
Wed Jul 22, 2015 5:09 pm
Forum: Investing - Theory, News & General
Topic: 10-Year TIPS Auction July 23 2015
Replies: 29
Views: 2850

Re: 10-Year TIPS Auction July 23 2015

With rates falling this week I don't think we will see coupon of 0.5% on the 10 Year Tips Auction tomorrow.
by antiqueman
Sun Jul 12, 2015 2:48 pm
Forum: Investing - Theory, News & General
Topic: If EU breaks up does that affect International stocks
Replies: 6
Views: 810

If EU breaks up does that affect International stocks

[ALL CAP THREAD SUBJECT CORRECTED BY MOD MEL] If the European Union breaks up will that affect international stocks --LONG TERM. I realize it would probably do so short term, but I assume good companies would continue to produce good products, sales would continue etc. But if one holds VXUS,VEA,etc...
by antiqueman
Sat Jul 04, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6900

Re: Aren't we obsessing way too much about our portfolios?

Thanks for posting this comment. I pled guilty to the question. It appears that there is no real difference whether one holds 40% equity or 60% equity. Return is basically the same. So why would anyone hold 60% equity instead of 40%. I think I have read a number of comments over the years that it re...
by antiqueman
Tue Jun 30, 2015 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Additional Admiral Shares After Initial Purchase
Replies: 11
Views: 1338

Re: Buying Additional Admiral Shares After Initial Purchase

Since you buy/sell through Schwab, there is no reason that the Vanguard rules apply. It is known that Schwab sometimes has their own rules. I have heard that people use Schwab because it has great customer service and knowledgeable people to help clients. [OT comments removed by admin LadyGeek] For...
by antiqueman
Tue Jun 30, 2015 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Additional Admiral Shares After Initial Purchase
Replies: 11
Views: 1338

Buying Additional Admiral Shares After Initial Purchase

My account is at Schwab. If I buy 10k of Vanguard Total Stock Mutual Fund to purchase Admiral Shares but next month want to purchase 2k of the same stock and three months later want to buy 5k of the same stock, will I be able to purchase the admiral share class of the stock when I only buy 2k and 5k...
by antiqueman
Sat Jun 27, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: What Real Rate Needed for 30 Years
Replies: 3
Views: 772

What Real Rate Needed for 30 Years

What real rate of return is need on a TIPS so money will last 30 years. It seems I recall reading a thread a number of years ago that 1.3 percent real interest rate would be sufficient to sustain 30 years of retirement. I don't understand that argument because if you need 50k a year for 30 year in t...
by antiqueman
Sat Jun 13, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 82
Views: 10965

Why High Equity Allocation in Retirement

It appears to me from reading the forum that the majority of posters believe that it is best to have significant percent of portfolio in equities even in retirement. Recently I have read a number of comments critical of Vanguards Target Retirement Income Fund that only has 30% equities. The criticis...
by antiqueman
Tue Jun 09, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd Balanced and VXUS
Replies: 4
Views: 698

Vangaurd Balanced and VXUS

My question is what do the forum members think about holding VBIAX (Vanguard Balanced Index Fund) and VXUS (Total International) instead of a Target Retirement and /or Lifestrategy Fund. I am concerned about Vanguard changing the make up of the Target and Lifestragety Funds. What you get today with ...
by antiqueman
Tue Jun 09, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Question Concerning Risk Portfolio and Liability Matching Portfolio
Replies: 3
Views: 473

Question Concerning Risk Portfolio and Liability Matching Portfolio

I have established a Liability Matching Portfolio for 25 years. ( Lets not debate if there are problems with just having a 25 year LMP or if one can actually even have a true LMP). With the remaining assets to place in the Risk Portfolio I do not know how to structure the AA. When you are constructi...
by antiqueman
Fri May 29, 2015 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Should only those with limited resources use LMP
Replies: 7
Views: 912

Should only those with limited resources use LMP

I recall in reading a post that at one of the recent Boglehead Conferences that Dr. Bernstein allegedly said that a Liability Matching Portfolio was best situated for those with limited assets . I have not read that in any of his books or articles---or for that matter in any articles discussing LMP ...
by antiqueman
Sat May 09, 2015 8:10 am
Forum: Investing - Theory, News & General
Topic: Good Asset Allocation Article
Replies: 12
Views: 1927

Re: Good Asset Allocation Article

I agree this is an excellent article.

Now I know what I am. A Muppet.
by antiqueman
Wed Mar 18, 2015 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Interest rate hike signaled
Replies: 25
Views: 2686

Re: Interest rate hike signaled

[quote="billyt"]More interestingly, bond funds are also increasing in value in response to the news.[/quote]


Why would bonds go up? Is it because the market thinks rates will not increase in June?


What would bonds go up, if the market thinks rates will be raised this year?
by antiqueman
Wed Mar 18, 2015 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help on Portfolio
Replies: 1
Views: 379

Need Help on Portfolio

I need advice on what substitute(s) I can use for BND ( Vanguard Total Bond Market) in a three fund portfolio. For a number of reasons I do not like Vanguard's Total Bond Market Fund. I have no problem with dividing my equity between VTI and VXUS, but I need one or more bond funds to serve in place ...
by antiqueman
Tue Mar 17, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 244
Views: 29644

Re: Kotlikoff: When Should you Take Social Security?

BOBCAT2 wrote ". People want to claim early because they fear the system is nearly bankrupt and they want to get benefits while the gettin' is good. They see SS as a gamble between themselves and Uncle Sam and they don't want to lose that bet. In this last case framing the issue thru break-even...
by antiqueman
Thu Mar 12, 2015 3:42 pm
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 10811

Re: How much international is too much?

I ran VT ( Vanguard Total World ) through xray at Morningstar. It shows that VT has 51% U. S. market cap to basically 49% international. What are thoughts of holding VT as a compromise to your suggested 70% international. That would have more international than what Vanguard recommends and uses in i...
by antiqueman
Wed Mar 11, 2015 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: When can I withdraw from Roth
Replies: 1
Views: 447

When can I withdraw from Roth

I converted a traditional IRA to Roth in October 2012.

I am over 59.5.

Can I withdraw from the Roth on January 1,2016 or is it January 1, 2017.

Thanks.
by antiqueman
Tue Mar 10, 2015 6:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383584

Re: U.S. stocks in freefall

Where is LBill who started this thread? It doesn't seem he/she has posted since 2012. Does anyone know what happened?
by antiqueman
Thu Feb 19, 2015 3:30 pm
Forum: Investing - Theory, News & General
Topic: Will LS Fund Take Big Hit if Interst Rate Rise
Replies: 13
Views: 1458

Re: Will LS Fund Take Big Hit if Interst Rate Rise

I am the op and do have the Conservative Life Strategy fund. Dandy's " head wind " comment is my concern especially if withdrawing from Life Strategy fund in addition to the reduction in NAV, if rates rise. Perhaps the prudent course is 2 to 3 years of CD's and avoid rate increase. ( Of co...
by antiqueman
Wed Feb 18, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: Will LS Fund Take Big Hit if Interst Rate Rise
Replies: 13
Views: 1458

Re: Will LS Fund Take Big Hit if Interst Rate Rise

Thanks OGD. Your comments are helpful.

Any other comments are appreciated.
by antiqueman
Tue Feb 17, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 7390

Re: A Special Message From Social Security--NOT!

I got the email today. I don't know if its legit but I am not taking a chance. I will go to SSA website.
by antiqueman
Tue Feb 17, 2015 3:50 pm
Forum: Investing - Theory, News & General
Topic: Will LS Fund Take Big Hit if Interst Rate Rise
Replies: 13
Views: 1458

Will LS Fund Take Big Hit if Interst Rate Rise

I like Vanguard Life Strategy Funds. The number of recent post about bond funds NAV declining if rates rise raised a question in my mind about how much of a hit would an LS ( or target date) fund take if rates rise suddenly. Assume one has one million dollars in 40/60 Vanguard Life Strategy Fund. Th...
by antiqueman
Mon Feb 16, 2015 12:29 pm
Forum: Investing - Theory, News & General
Topic: Average amount saved for retirement by age
Replies: 133
Views: 29404

Re: Average amount saved for retirement by age

I notice in a number of responses, members mentioning "Net Worth"

In this thread are we talking about " Net Worth" or X times investable assets like stock, bonds, cash? I think it makes a difference.
by antiqueman
Sat Jan 31, 2015 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Leave $ in State Retirement?
Replies: 8
Views: 817

Re: Leave $ in State Retirement?

My advice would be to leave it all in the retirement system. I worked for a state in 1970's. I was fully vested. I left state employment to go to law school. I took all of the money out of the state retirement system (I didn't know any better. ) In 2010 , 35 years after I left state employment in 19...
by antiqueman
Sat Jan 31, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 5310

Re: The lowest stock allocation you plan to stay with

This a great thread.

I am only 15% equities of total portfolio with 20 years CD's , short term bond funds and Tips. Hopefully will not need equity money for at least 15 years.
by antiqueman
Mon Jan 26, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: [Clements - 4 strategies for those close to retirement]
Replies: 25
Views: 3531

Re: OLD AGE PENNY PINCHERS

But in response to the OP, why would an income stream, [b]not[/b] be counted as wealth? It seems like that is the very definition of wealth.[/quote] Because you don't know if the income stream will be there for you when you retire . You don't know if a supposed income stream will be reduced or total...
by antiqueman
Mon Jan 26, 2015 11:11 am
Forum: Investing - Theory, News & General
Topic: Does percent of International affect Otar calculator
Replies: 3
Views: 593

Does percent of International affect Otar calculator

I have purchased Jim Otar's retirement calculator, basic version. In his calculator he uses three categories --SP for stocks, nominal bonds and Tips. There is no category for international . For those of you who have read Otars book 'Unveiling the Retirement Myth" or used his calculator what ar...
by antiqueman
Tue Jan 20, 2015 9:37 pm
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 9621

Re: "When you've won the game, stop playing"

[quote="dharrythomas"]Thanks Taylor! The reader comments insulting Bill Bernstein make me smile. I can remember thinking that I was as smart as some of the readers do. I don't know more, I've just got a better understanding of how little I actually know. I agree . I know enough to know tha...
by antiqueman
Mon Jan 19, 2015 9:35 pm
Forum: Investing - Theory, News & General
Topic: How to AA Risk Portfolio
Replies: 4
Views: 573

How to AA Risk Portfolio

Assume an investor has established a LMP to cover them rest of their life. (Lets not debate if he really does ) The investor has "X" left over for the Risk Portfolio. For simplicity, lets say the amount available for the Risk Portfolio is 100k. Investor's main goal for the RP is for it to ...
by antiqueman
Sat Jan 17, 2015 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: LMP TIPS ladder- Purchase at next week's auction?
Replies: 6
Views: 1067

Re: LMP TIPS ladder- Purchase at next week's auction?

I am also establishing LMP and will buy the 10 year next week even though yield is low. In retirement I am more concerned about inflation than the yield I will receive. Of course ,we all want better yield but the risk of inflation to one in retirement could be crippling if we have unexpected inflati...
by antiqueman
Wed Jan 14, 2015 8:58 pm
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3650

Re: 3%, 10-year CD bought today

I bought a 3.4 % ten year CD about 16 months ago. So now I have a 3.4 %CD with about 8.5 years left. I thought then ,and still think now ,that rates will decline over the next few years.
by antiqueman
Sun Dec 21, 2014 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Need Cash if Hold Target or LS Fund ?
Replies: 6
Views: 750

Need Cash if Hold Target or LS Fund ?

As I approach retirement I am considering moving assets into a Target Fund or LS fund of Vanguard. I would like the forum members thoughts on whether one should hold a year or two cash /short term bonds/cds for liquidity purposes if one had all assets in TR or LS Fund. Assume one had a LS fund with ...
by antiqueman
Mon Dec 15, 2014 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Insurance and Medicare
Replies: 8
Views: 654

Federal Retiree Insurance and Medicare

Are their any on the forum who are retired from the Federal Government who have both Medicare and that kept their federal health insurance after retirement. As I understand it, once a federal employee becomes 65 and goes on Medicare their federal health insurance is treated like a supplemental polic...
by antiqueman
Mon Dec 15, 2014 11:44 am
Forum: Investing - Help with Personal Investments
Topic: 80/20 stocks/bonds for near retirement
Replies: 26
Views: 2751

Re: 80/20 stocks/bonds for near retirement

For those that argue against the 80/20 portfolio in retirement would your position be different if you were using a Liability Matching Portfolio. I am considering whether to have AA of 60/40 or 80/20 in the Risk portion of a liability match portfolio. Is 80/ 20 to risky for the portion of the portfo...
by antiqueman
Thu Nov 20, 2014 3:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Today is Thanksgiving Day for my family
Replies: 7
Views: 1745

Re: Today is Thanksgiving Day for my family

Swampy, so very glad your children are safe. Also, thank you for reminding me how uncertain life is for any of us.
by antiqueman
Tue Nov 11, 2014 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 314
Views: 54364

Re: If your networth is over $3 million, how did you do it?

[quote="JDCarpenter""]Probably the biggest factor for us (another OBG family, due to DW) has been a strong partnership/marriage with compatible long-range goals and willingness to defer/ignore consumer gratification; we started discussing retirement about the time we were getting out ...

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