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Re: Civil Servant Employment Issues

I'm both a civil servant as well as a manager. I've changed my series 3 times: 1102 Contracting, 1910 Quality and 1101 Program Management. One of the many benefits of working for Uncle Sam is the amount of training/education available, which then allows one to qualify for other series. Until the lat...
by backofbeyond
Thu Jun 06, 2013 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Civil Servant Employment Issues
Replies: 33
Views: 2316

Re: Help with Asset Allocation with TSP and Vanguard Funds

Great advice above. Love the G fund. If I remember correctly, the I fund doesn't cover Canada firms. Lived in Canada for a couple years, love the people...and it doesn't take a rock scientist to predict their economy will do well in the future...highly educated, HUGE natural resource reserves, small...
by backofbeyond
Sat Jun 01, 2013 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation with TSP and Vanguard Funds
Replies: 5
Views: 711

Re: No permanent home, overseas visits, ineligible for umbre

When we had car/renters insurance with Geico a few years back, got something in the mail saying they'd provide free unbrella insurance up to $1M...and to call to apply. So I called, they had me list out assets, which I did, sent back the form and then subsequently we were told we didnt qualify. When...
by backofbeyond
Sat Jun 01, 2013 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: No permanent home, overseas visits, ineligible for umbrella
Replies: 14
Views: 1247

Re: Japanese financial crisis

Nisi is correct, as always. I've lived in 6 countries now, and always find it amuzing to hear what the locals think of us Yanks. Currently living in New Zealand, where the local paper ALWAYS picks the most sensational new story out of America to report on. I can't help think that the Kiwis must thin...
by backofbeyond
Sat Jun 01, 2013 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Japanese financial crisis
Replies: 48
Views: 4923

Re: What is your equity allocation to international?

53% International, 47% US Have spent 13 of the last 20 living outside US. Going forward, expect about the same for the next 20, then plan on retiring outside US for half the year. Get paid in US $, spouse paid in local currency. Spouse will have pension in British pounds. Spend majority in local cur...
by backofbeyond
Sat Jun 01, 2013 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: What is your equity allocation to international?
Replies: 56
Views: 4360

Re: Great article on psychology of investing

Aside from the Market Timing an "trading" bias, this article is dead-on in the psychology. It makes me wonder again where all the gold bugs went? They were swarming for years around this forum, then "poof" - gone. http://www.cnbc.com/id/100771373 The market doesn't care what you...
by backofbeyond
Thu May 30, 2013 4:07 am
 
Forum: Investing - Theory, News & General
Topic: Great article on psychology of investing
Replies: 8
Views: 1119

Re: Year Round Living on a Sandy Beach

All responses so far defaulted to the U.S. locations. I understand--but have not been there myself yet--that Thailand offers fantastic beaches and cheap living. Victoria Victoria, as always you are spot on. I have been to Thailand many many times over the years and my wife and I both agree that is ...
by backofbeyond
Thu May 30, 2013 3:41 am
 
Forum: Personal Consumer Issues
Topic: Year Round Living on a Sandy Beach
Replies: 55
Views: 5238

Re: Didn't save enough for retirement, what would you do ove

I started out saving enough. I was sitting pretty until early 30's. Then I had a bad case of mid life crisis after a bad divorce, lasted many years. Spent :dollar on typical midlife "stuff". Also, health plummeted. Saw the light a couple years ago and am getting back on track both financia...
by backofbeyond
Sat May 25, 2013 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Didn't save enough for retirement, what would you do over?
Replies: 38
Views: 5206

Re: Straying from 'Staying the Course'

Not only have I strayed, I've completely taken "another course". Until two years ago, I had 100% of my investible assets in stocks. Investible means IRA/TSP, while the majority of my wealth is tied up in RE. Anywho, I developed an AA plan back in 1999 that kept me 100% in stock until I was...
by backofbeyond
Fri May 24, 2013 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: Straying from 'Staying the Course'
Replies: 16
Views: 2193

Re: statins and exercise study from today's NYT?

Two years ago, I had a laundry list of negative health issues. My family doc sat me down and had the "come to Jesus" meeting with me. You either lose 40lbs and stop drinking, or your dead. Instead of 40, I lost 60lbs. Gave up the bottle as well. Began watching what I eat like a hawk. As fa...
by backofbeyond
Wed May 22, 2013 5:20 pm
 
Forum: Personal Consumer Issues
Topic: statins and exercise study from today's NYT?
Replies: 13
Views: 1541

Re: 100% equities, anyone?

Of my investable assets, I was about 88% equities until about a month ago. When I say investable, that's money in my retirement accounts. Most of my non-retirement assets are in RE. I never understood investable accounts. I think this is a concept the brokers used to grab as much of our liquid asse...
by backofbeyond
Tue May 14, 2013 2:50 am
 
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 9828

Re: 100% equities, anyone?

If you can stomach the ups and downs and have a long time horizon and a stable career, then I say go for it. Worked for me. Of my investable assets, I was about 88% equities until about a month ago. When I say investable, that's money in my retirement accounts. Most of my non-retirement assets are i...
by backofbeyond
Mon May 13, 2013 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 9828

Re: For those who have TSP accounts, how often do you rebala

Your poll asks one thing, and your thread title another. Are you asking about rebalancing or changing the AA? For rebalancing, I just change the allocations of future contributions to get things back where I want them. It's simpler, and there's no limitation on the number of changes. Bay agreed. So...
by backofbeyond
Sun May 12, 2013 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: For those who have TSP accounts, how often do you rebalance
Replies: 15
Views: 811

For those who have TSP accounts, how often do you rebalance

If you have access to TSP, you can make two changes per month to any combo of funds (C, I, F, S, G, or lifecycle funds). After these two trades, you can only shift $ into the G. It costs nothing to change, so how often do you "normally" rebalance back to your AA? And why? Reference Source:...
by backofbeyond
Sun May 12, 2013 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: For those who have TSP accounts, how often do you rebalance
Replies: 15
Views: 811

Re: Do you adjust your AA based on valuations?

My IPS covers this: PE10 < 10, blue light special light is on, find some extra money and invest it, you may make small AA changes if evidence supports it PE10 > 10 < 25, green investing light is on, buy and hold, keep your hands off the controls PE10 > 25 < 30, yellow caution light is on, do resear...
by backofbeyond
Sun May 12, 2013 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Do you adjust your AA based on valuations?
Replies: 94
Views: 5185

Re: "Reducing bonds? Proceed with caution."

Thank you for the G Fund analysis. Makes perfect sense.

I'm not as smart as I should be on Fixed Assets, glad I have fellow Bogleheads to watch my 6! :happy
by backofbeyond
Wed May 08, 2013 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: "Reducing bonds? Proceed with caution."
Replies: 50
Views: 4323

Re: As a non US expat, should I use NYSE or FTSE ETF

I'm an ex pat US, live in NZ, but have lived in various countries in the past 20 years. I think you should stick with FTSE, here's why: If you aren't a yank, dealing with the US tax laws is a royal pain. Also, you have to look at how many times the money you invest is switched back and forth thru th...
by backofbeyond
Wed May 08, 2013 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: As a non US expat, should I use NYSE or FTSE ETF
Replies: 8
Views: 741

Re: "Reducing bonds? Proceed with caution."

Speaking of the G fund.... That is where my dilemma lays. Currently I have 50% in the various stock funds (C,S,I) and the other 50% divided equally (25%) in the F and G each. So base on the above analysis, should one up the G fund allocation and wrench down the F Fund? The G fund overall is safer (o...
by backofbeyond
Wed May 08, 2013 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: "Reducing bonds? Proceed with caution."
Replies: 50
Views: 4323

Re: Anyone wish to share their play money investments?

Only own one stock, everything else is in index funds.

That one stock is Haliburton, Owned it since 2003, I've made 311% in about 10 years. :greedy

Shame I only put $1000 into it. ha

Could of just as easily went South.
by backofbeyond
Sun May 05, 2013 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone wish to share their play money investments?
Replies: 56
Views: 3744

Re: Should I sell my 2 rental properties?

I've been a landlord more than a few times, and found it stressful every time. I ended up dumping everything but my empty lots. Parked the money into index funds. The stress level is almost nil now. I don't get the tax breaks I used to get as a landlord, but I get a better nights sleep. Which is pri...
by backofbeyond
Sun May 05, 2013 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my 2 rental properties?
Replies: 20
Views: 2052

Re: When you reach your number and keep working

There maybe other things that keeps one going to work than the fact that they simply enjoy it, or don't have anything they can think of that is better to do. For example, they may simply get more "respect" at work, than they would at home. You may be the head honcho or guru where you work,...
by backofbeyond
Sat May 04, 2013 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you reach your number and keep working
Replies: 71
Views: 7051

Re: The golden age of retirement - is now??

Very interesting, enjoyed reading it. Thank you for posting.

Nice to know that things have always been this bad, but not necessarily getting worse. :?
by backofbeyond
Fri May 03, 2013 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: The golden age of retirement - is now??
Replies: 21
Views: 3933

Re: When you reach your number and keep working

In my case, while on paper, I may already be close to my "number", I have to wait until my assets can be converted to cash. I won't bore you with the details, but it mirrors the saying House Rich, Cash poor. I imagine there are similar folks waiting for stock options to "ripen" a...
by backofbeyond
Wed May 01, 2013 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you reach your number and keep working
Replies: 71
Views: 7051

Re: Home Price Appreciation in Weak Economy

Valuethinker....I couldn't agree more with your water and Canadian comments. A vast amount of my neighbors near my ranch are from Canada, so you are spot on. I hope they continue to get the word out and keep land prices climbing for years ahead. However, like Jeffy posted, those are pretty much the ...
by backofbeyond
Wed May 01, 2013 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Home Price Appreciation in Weak Economy
Replies: 47
Views: 3812

Re: Family Vacations: Your Favorites, ages + tips requested!

When the kids get older, like +10, my recommendation for adventure include: - Cost Rica/Belize - you can go white water rafting, cliff repealing down waterfalls, swim in volcano hot springs, check out ancient Mayan ruins, jungle walks, tube down lava tunnels in the dark and go scuba/snorkeling in so...
by backofbeyond
Tue Apr 30, 2013 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Family Vacations: Your Favorites, ages + tips requested!
Replies: 31
Views: 2947

Re: you're done accumulating; what's next?

While I don't think I will have near that amount, I'll be in the ball park.

I'm seen what "old money" does to families.

So I plan on living a good life and giving with a warm hand instead of a cold one.
by backofbeyond
Tue Apr 30, 2013 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: you're done accumulating; what's next?
Replies: 9
Views: 1409

Re: So money can buy you happiness after all...

I have to admit, this is one of my favorite areas to research, so I’ll have to go back and read all the links that have been posted. At a very young age, think it was about 9, I figured I should find out two things in life: If there is a God and how to make money. I've spent a life time pursuing bot...
by backofbeyond
Tue Apr 30, 2013 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: So money can buy you happiness after all...
Replies: 49
Views: 3713

Re: Home Price Appreciation in Weak Economy

Ok for you Real Estate gurus out there: Any idea on how to forecast the Phoenix market? I’ve done a lot of demographic studies on when baby boomers may be retiring and possibly moving to places like the Southwest. According to my research, on paper, around the year 2022, the “hump” of BB will be in ...
by backofbeyond
Mon Apr 29, 2013 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Home Price Appreciation in Weak Economy
Replies: 47
Views: 3812

Re: Operation Downsize: How did you do it?

Thanks All for the very informative replies...many that I plan on implementing. As mentioned in the oringal post, we moved into a smaller 4 bedroom house. I've already noticed that we rarely step into 2 of the bedrooms, one is a guest room and the other is a reading room. So perhaps we could have ma...
by backofbeyond
Sun Apr 28, 2013 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Operation Downsize: How did you do it?
Replies: 39
Views: 3508

Operation Downsize: How did you do it?

I would appreciate advice from those who have or plan on downsizing their living quarters. My wife and I are on a downhill glide from living in a 4 bedroom house to a two bedroom apartment. We recently moved from a large (older) 4 bedroom house to a (new) 4 bedroom house with dinky bedrooms. We quic...
by backofbeyond
Sat Apr 27, 2013 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Operation Downsize: How did you do it?
Replies: 39
Views: 3508

6 ways money *can* buy happiness

I came across this article that I thought sounded very "bogleheadish", so wanted to share. My apologies if it's been posted before. 6 ways money *can* buy happiness: by Eric Barker Via The Myths of Happiness: What Should Make You Happy, but Doesn’t, What Shouldn’t Make You Happy, but Does:...
by backofbeyond
Thu Apr 25, 2013 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: 6 ways money *can* buy happiness
Replies: 5
Views: 1382

Fed Retirement Advice...really?

Received my daily update of FedSmith today, one of the more interesting post was entitled: Planning for Retirement Throughout a Federal Career. http://www.fedsmith.com/2013/04/21/planning-for-retirement-throughout-a-federal-career/ Normally the advice is pretty good, and in this case, they are attem...
by backofbeyond
Mon Apr 22, 2013 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fed Retirement Advice...really?
Replies: 8
Views: 1170

Re: Living outside the US seasonally?

That's what I was looking at doing. I'd like to live in Scotland and Ireland for a while, maybe a half a year at a time, and looking at apartments on craigslist, they do NOT look very expensive at all. Have you ever experienced a Scottish or Irish winter? As the saying goes, Summer was on a Tuesday...
by backofbeyond
Tue Apr 09, 2013 1:20 am
 
Forum: Personal Consumer Issues
Topic: Living outside the US seasonally?
Replies: 28
Views: 2735

Re: Scientist Predicts 60% Market Collapse

An economist is just someone who’s job is to make a weatherman look accurate.

same difference
by backofbeyond
Mon Apr 08, 2013 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Scientist Predicts 60% Market Collapse
Replies: 28
Views: 4081

Re: Midlife Crisis

Btenny, I’m with you…. I get the impression that many posters view the Midlife Crisis as always being a bad thing, that one must get thru and then reflects back on it years later in a negative light. That isn't always the case. While some of the things I did during mine were not universally accepted...
by backofbeyond
Mon Apr 08, 2013 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Midlife Crisis
Replies: 109
Views: 11605

Re: Please evaluate my current situation & portfolio

Agree with Patrick, all around. Don't roll over the TSP. Also don't buy any more single stocks. All in all, you are doing great for your age. I'm a gypse so I couldn't bring myself to anchor myself down with a mortgage like that. But you are in an excellent career field, so if you want to take the p...
by backofbeyond
Mon Apr 08, 2013 4:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Please evaluate my current situation & portfolio
Replies: 7
Views: 793

Re: Living outside the US seasonally?

Asia is the way to go. Especially Thailand, Philippines, Indonesia (Bali). Maybe Malaysia, Vietnam.. English level is better than Latin America and they are significantly safer. ^^^^^^^This^^^^^^^^ Having now lived in the US, UK, Canada, Japan, Germany and New Zealand, while touring over 70 other c...
by backofbeyond
Mon Apr 08, 2013 4:30 am
 
Forum: Personal Consumer Issues
Topic: Living outside the US seasonally?
Replies: 28
Views: 2735

Re: Poll: SS Question & Overall Retirement Expenses

Survive? Sure
Appreciate Retirement? Hardly

I realize that a lot of people are forced into retirement due to ill health. So I don't want to jinx myself and say we couldn't survive, but it sends shivers down my spine to think I'd be forced into that situation.
by backofbeyond
Sun Apr 07, 2013 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: SS Question & Overall Retirement Expenses
Replies: 27
Views: 1333

Re: Can the average investor make money in real estate?

My father made most of his :moneybag in RE, and lost most of it trying to run small businesses. Did the cycle over and over, bought RE, did great, plugged proceeds into small business, went bust. When I started my first real job, I immediately started looking around for RE to invest in. Long story s...
by backofbeyond
Sun Apr 07, 2013 2:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Can the average investor make money in real estate?
Replies: 50
Views: 5051

Re: Rick Ferri's Portfolio

For those of us with access to TSP, how would you compare the G and F funds to Rick's bond allocations? That is, if you were attempting to as closely mirror Rick's allocation to Bonds: What would G & F replace and what would be left on the plate that you'd have to go outside of TSP to replicate?...
by backofbeyond
Sat Apr 06, 2013 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Portfolio
Replies: 186
Views: 56003

Re: Do you discuss your estate with your future heirs?

Reminds me of a story that Bill Cosby tells. His young son once asked if they were Rich. Bill turns to him and says, your mother and I are Rich, you own nothing. :P Our only child is in her early teens, so no, we don't discuss our estate with her. We have mentioned to the rest of our family that if ...
by backofbeyond
Sat Apr 06, 2013 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you discuss your estate with your future heirs?
Replies: 38
Views: 2744

Re: 100% stock portfolio

There is atleast one advantage to having some money in bonds, if you can actually stomach a 100% stock allocation. That is, when the market dips big time, like 2008, you have some money in reserve to buy stocks at much lower prices.
by backofbeyond
Sat Apr 06, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% stock portfolio
Replies: 66
Views: 5956

Re: Leaving equal inheritance value to all kids?

My father had 6 kids from 3 different marriages. He was upper middle income and at the time of his death had an estate valued around 1/2 mil. Throughout all of our lives, he leverage his "will" (meaning estate) to try and get all of us to bend to his wishes. It was terrible, if you didn't ...
by backofbeyond
Fri Apr 05, 2013 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving equal inheritance value to all kids?
Replies: 71
Views: 4044

Re: Childrens' Allowance

My father gave us an allowance equivalent to what it costs to go to the movies each week. He was from the Greatest Generation, and the "show" was how they got their news as well as entertainment. I've continued this practice with my daughter. It seems to be a great way to keep up with infl...
by backofbeyond
Wed Apr 03, 2013 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Childrens' Allowance
Replies: 71
Views: 4703

Re: All-around advice needed.

I live overseas and have been a Schwab customer since the early 90s. The zero transaction fee for ATM Debit card you mentioned has saved me a lot of :moneybag over the years. Up to a few years ago they also offered a credit card that doesnt' charge foreign currency fees, but they've closed that off ...
by backofbeyond
Mon Apr 01, 2013 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: All-around advice needed.
Replies: 4
Views: 466

Re: Choosing the "right" international allocation

I currently live outside the States, over last 22 years, 9 in the US, the rest overseas. Plan on about the same over the next 20. And in retirement, half the time in the US, half in Asia/Europe. So makes since to have 50% in international. That's inclusive of emerging markets. Curious, are you talki...
by backofbeyond
Sat Mar 30, 2013 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing the "right" international allocation
Replies: 48
Views: 2672

Re: How do you set your saving goals and find a balance?

Default User BR wrote:
letsgobobby wrote:For some reason I think BuckyBadger IS a wife.

Available evidence would seem to support that.


Brian

:oops: Then maybe show my write up to the hubby? ha ha
Thanks for the catch lads!
by backofbeyond
Fri Mar 29, 2013 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you set your saving goals and find a balance?
Replies: 40
Views: 2615

Re: Is "Age in Bonds" dead? (From "The Affluent Investor:")

HardKnocker wrote:I was joking about the real estate.

People are developing a mindset that the current financial landscape will never change. This of course is not true.


Sorry HK, I took the bait. Pls forgive my "duh" moment! :oops:
by backofbeyond
Fri Mar 29, 2013 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: Is "Age in Bonds" dead? (From "The Affluent Investor:")
Replies: 60
Views: 8423

Re: Thinking about increasing risk. Any advice?

You have received feedback from some heavy hitter of this form, or as I like to say, the Rock Stars. You should feel blessed that they took the time to answer..seriously. With +30 years to invest, I can understand why you believe you can recover. But as pointed about above, you may not be so lucky. ...
by backofbeyond
Fri Mar 29, 2013 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about increasing risk. Any advice?
Replies: 46
Views: 2683

Re: How do you set your saving goals and find a balance?

You received some excellent rational advice. I'll try to give some that hasn't been mentioned. 1. Don't get divorced. It's one of the greatest wealth destroyers there are. Encourage your wife to spend money on what many women like to do, that is shop for clothes. Don't be so thrifty that she can't d...
by backofbeyond
Fri Mar 29, 2013 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you set your saving goals and find a balance?
Replies: 40
Views: 2615
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