Search found 301 matches

by antiqueman
Thu Jul 30, 2015 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion 10.31. 2012
Replies: 2
Views: 236

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: 236

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: 1379

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: 2780

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: 2780

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: 792

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: 6643

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: 1319

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: 1319

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: 764

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: 10824

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: 690

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: 463

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: 904

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: 1910

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: 2618

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: 374

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: 29167

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: 10664

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: 443

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: 1409
Views: 278855

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: 1444

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: 1444

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: 7272

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: 1444

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: 29278

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: 810

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: 5260

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: 3522

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: 590

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: 9473

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: 568

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: 1051

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: 3637

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: 746

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: 650

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: 2729

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: 1738

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: 54086

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 ...
by antiqueman
Thu Oct 30, 2014 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can individual deduct $5000.00 cafeteria if two employers
Replies: 4
Views: 1073

Can individual deduct $5000.00 cafeteria if two employers

I work for two different employer.

Cafeteria limits for medical is $2500.00 .

But because I work for two employers can I deduct $2500.00 with each employer for a total of $5000.0?

I cant find answer on internet although I have searched.

Thanks.
by antiqueman
Sun Oct 26, 2014 6:41 pm
Forum: Personal Consumer Issues
Topic: Lightweight Electric Blanket.
Replies: 8
Views: 1223

Lightweight Electric Blanket.

I am looking for a lightweight, good electric blanker.

I have an electric blanket but its heavy. Do any fellow Bogleheads have suggestion for an electric blanket that is (1) lightweight (2) is of good quality.


If so please advise.

Thanks.
by antiqueman
Fri Sep 12, 2014 11:03 am
Forum: Personal Finance (Not Investing)
Topic: TIPS Auction 10 year bonds
Replies: 4
Views: 937

Re: TIPS Auction 10 year bonds

I am considering it for my 2025 TIPS ladder but I may wait until Jan. 2015 for the ten year auction. I suppose the only difference is whether the coupon will be higher or lower in January 2015. # Cruncher, if you read this post give us your thoughts on the upcoming auction compared to the one to be ...
by antiqueman
Sat Aug 23, 2014 2:58 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 553
Views: 158601

Re: Worst star year fir VPW method

Sorry for the typos.

I meant Start year For VPW. I hit send before checking the spelling. How do I correct the errors?
by antiqueman
Sat Aug 23, 2014 2:52 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 553
Views: 158601

Worst Start year For VPW method

[Thread merged into here, see below. --admin LadyGeek] I have been testing VPW calculator . I think it defaults to 1972 for the year to begin the simulation. For those of you who understand VPW well, can you tell me which year I should use if I want to forecast the worst 30 year period in history? ...
by antiqueman
Sat Aug 09, 2014 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 5266

Re: Withdrawl from Target Retirement or Life Strategy Fund

[quote="Dandy"]no matter how many different investments you have - you still have to withdraw from one of them. How do you pick? the one that has appreciated the most? OK but you might be losing out on some further momentum and/or you might have been using that fund to rebalance to an inve...
by antiqueman
Sat Aug 09, 2014 9:31 am
Forum: Investing - Theory, News & General
Topic: Which Vanguard Short Treasury Fund
Replies: 38
Views: 3618

Re: Which Vanguard Short Treasury Fund

Thanks BigJohn.


One of the main reasons I am considering VFIRX is the same as you. Treasury notes/bills and should be very safe if there is a flight to safety concern.
by antiqueman
Fri Aug 08, 2014 8:59 pm
Forum: Investing - Theory, News & General
Topic: Which Vanguard Short Treasury Fund
Replies: 38
Views: 3618

Re: Which Vanguard Short Treasury Fund

Doc did you decide which course to take?

I am facing similar question and am leaning to VFIRX.

What are yours thoughts ( and anyone elses)


Thanks.

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