Search found 547 matches

by bayview
Wed Jul 29, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 5619

Re: 50/50 asset allocation

Do long term treasuries always have the greatest negative correlation to equities? Because it possible that past correlations are purely coincidental and not necessarily going to repeat themselves. I don't have access to Long Term Treasuries in Portfolio Visualizer... I thought that PV was pretty u...
by bayview
Wed Jul 29, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Using Sharpe instead of Sortino in evaluating portfolios
Replies: 6
Views: 323

Re: Using Sharpe instead of Sortino in evaluating portfolios

I (mostly) understand the difference between Sharpe and Sortino ratios. I'm curious: why do so many Bogleheads cite Sharpe ratios when arguing about :D discussing portfolios? I would have thought that the Sortino ratio is a more useful measure. It displays on Portfolio Visualizer, for instance, so ...
by bayview
Wed Jul 29, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: Using Sharpe instead of Sortino in evaluating portfolios
Replies: 6
Views: 323

Using Sharpe instead of Sortino in evaluating portfolios

I (mostly) understand the difference between Sharpe and Sortino ratios. I'm curious: why do so many Bogleheads cite Sharpe ratios when arguing about :D discussing portfolios? I would have thought that the Sortino ratio is a more useful measure. It displays on Portfolio Visualizer, for instance, so i...
by bayview
Mon Jul 20, 2015 11:08 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5265

Re: Pros and cons of adding Roth Option to 401K Plan

I recently started splitting my contributions 50/50 to traditional 401K and Roth 401K. I am currently in a high tax bracket, but as some of the posters suggested tax rates will be unknown in the future. I'm in the school of thought that rates will go up, which is the main reason I am doing this tod...
by bayview
Mon Jul 20, 2015 10:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4868

Re: livesoft surpasses 40,000 posts!

A ton of experience + a cheerfully cranky, contrarian viewpoint --exactly what the BH forums need!

Thanks for your wisdom and posts, livesoft, even (especially) when I I don't agree with them. :D :beer
by bayview
Mon Jul 20, 2015 10:35 pm
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 43
Views: 4055

Re: Annuities-when and why?

Sure, that's my ideal: have what we know we need in completely secure funds, and let the rest rock'n'roll. Two things make that tricky for everyday investors: not that much $$$ to take care of the "secure funds", leaving something else for the fun money, and a general lack of understanding...
by bayview
Mon Jul 20, 2015 10:08 pm
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 43
Views: 4055

Re: Annuities-when and why?

Until you are on the verge of retirement, it's hard to understand the gut-clench you might feel when seeing expected income be reduced. But expected income doesn't decrease much when the price falls. Even if you were to buy into equities on Black Tuesday right before the market crashed, you would s...
by bayview
Mon Jul 20, 2015 9:18 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5265

Re: Pros and cons of adding Roth Option to 401K Plan

One of my children has a 401K plan without the Roth option. His tax bracket will be a lot higher in the future and during retirement. His Roth IRA is maximized every year, but he is missing out on tax free compounding in his 401K for the next 30 or more years. An employer has no idea what the futur...
by bayview
Mon Jul 20, 2015 9:12 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3310

Re: When did you start investing in the Market?

1997, age 43.. Before that, I was a housewife at home raising three kids, and pretty dang unhappy that Husband #1(non-DH, lol) refused to fund a spousal IRA for me, as I was obviously a drain on the family finances. :annoyed Needless to say, this contributed to my thoughts for my future. Once the ki...
by bayview
Mon Jul 20, 2015 8:57 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5265

Re: Pros and cons of adding Roth Option to 401K Plan

Just from what I hear around the water cooler: Most folks are going to do whatever decreases their tax bites/ increases their take-home pay. I don't think that a lot of people will mistakenly sign up for Roth 401(k)s. In the end, their questions to HR/payroll are going to generally be along the line...
by bayview
Mon Jul 20, 2015 8:49 pm
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 43
Views: 4055

Re: Annuities-when and why?

Yep, that's a good reason to own a SPIA... I will probably own a SPIA, bonds, AND stocks. I will have to crunch the numbers but is it better to own bonds so you can rebalance into equities when they dip? I haven't found a single 30-year period in history where a combination of stocks and intermedia...
by bayview
Mon Jul 20, 2015 8:22 pm
Forum: Investing - Theory, News & General
Topic: "Helping Your Parents Financially"
Replies: 62
Views: 7768

Re: "Helping Your Parents Financially"

Are we perhaps seeing an eruption of the frequently-referenced discussion that some Bogleheads are over-the-top controlling? (reference the threads discussing spousal arguments over budgets and so forth). I will admit that I was startled by EmergDoc's post, although I understood it intellectually. I...
by bayview
Mon Jul 20, 2015 7:47 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5265

Re: Pros and cons of adding Roth Option to 401K Plan

At current tax brackets, we will be in the 15% bracket in retirement. But 80% of our income will be SS, and the rest will be a federal pension. We'd prefer to not have large-ish taxable RMDs make our SS income taxable. Harry Sit's (tfb's) take on this: http://thefinancebuff.com/most-tsp-participiant...
by bayview
Fri Jul 17, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: Board Recommendations: Vacation for Babymoon
Replies: 27
Views: 1904

Re: Board Recommendations: Vacation for Babymoon

One final recommendation for a place I've always wanted to visit: Blackberry Farm in the Smokies. I'm told the accommodations and food are world-class. +1 Easy drive (south of Knoxville, in Blount County.) Go stick your feet in the creek. Refreshingly cool, even this time of year. Wear your stretch...
by bayview
Fri Jul 17, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Is Medicare required when one has adequate retiree health insurance?
Replies: 22
Views: 1585

Re: Is Medicare required when one has adequate retiree health insurance?

Federal retirees keeping their FEHB in retirement do not have to buy MC-B: https://www.opm.gov/healthcare-insurance/healthcare/medicare/medicare-part-b-coverage/ DH is retired and 65, and he waived Part B. I'm still working (for forever, it sometimes seems), and he is on my FEHB plan plus his own MC...
by bayview
Fri Jul 17, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 466
Views: 65884

Re: What are you up YTD? [Year To Date]

Using the wiki referenced above, with all the contributions entered, I get: portfolio return: 1.84% (YTD figure) 48% Treasury funds (mostly intermediate-term) + G fund 40% total US market + cobbled-together C and S fund 12% total international + I fund (not yet bothering with trying to add in EM an...
by bayview
Tue Jul 14, 2015 4:32 pm
Forum: Personal Consumer Issues
Topic: Board Recommendations: Vacation for Babymoon
Replies: 27
Views: 1904

Re: Board Recommendations: Vacation for Babymoon

The Greenbrier, Sulphur Springs WV

Grove Park Inn, Asheville NC (one day the weather will cool off...)

Highlands NC and Cashiers NC area (easy drive from Hotlanta, if mountain roads aren't an issue)
by bayview
Tue Jul 14, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Updated - Propane Oven Makes Me Sick - Repair or Buy New?
Replies: 35
Views: 2143

Re: Updated - Propane Oven Makes Me Sick - Repair or Buy New?

We're getting ready to get a gas oven, finally! but if it turns out that even with a new range, you're sensitive to gas odors, you might also check out induction ranges. They're electric, but they are MUCH faster to heat than gas; they remain cool to the touch; their cooking areas are flexible. They...
by bayview
Mon Jul 13, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 4555

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

Two years from now, wall crumples on Mercedes.

Who pays?

I sure wouldn't sign off on this. Sell the developer a strip of land.
by bayview
Mon Jul 13, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 5083

Re: VRBO illegal rental

Our next door neighbor rents out part of his house through airbnb (rentals under 30 days are illegal here), and it's a huge annoyance. In, out, in, out, cars everywhere. He pretends that these are all friends visiting, including when he's out of the country for a few weeks. One poor lady locked hers...
by bayview
Wed Jul 08, 2015 9:49 pm
Forum: Investing - Theory, News & General
Topic: Government bond defaults
Replies: 29
Views: 2232

Re: Government bond defaults

OK, very cautiously venturing out here, but in most cases, people would tend to think of government bonds as being safer from default than corporate junk bonds, or even corporate investor-grade bonds. Businesses go out of business every day; governments not so much. So generally, investors buy gover...
by bayview
Wed Jul 08, 2015 8:04 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27847

Re: What ratio are you stocks/bonds and how old are you?

Ages 60/65

50:50

(I'd be a bit higher in stocks, but I respect DH's feelings.)
by bayview
Wed Jul 08, 2015 5:50 pm
Forum: Investing - Theory, News & General
Topic: Why are US Gov Bond Yields Higher than German?
Replies: 13
Views: 1456

Re: Why are US Gov Bond Yields Higher than German?

Since the start of the Eurozone, EUR:USD has been about 1.35X. It's now 1:1X. Price anchoring happens with currency just like with stocks so most people have the feeling that 1:1X is not the normal and we'll go back to historic averages. So what happens if someone with Euros buys US Government Bond...
by bayview
Mon Jul 06, 2015 7:28 pm
Forum: Investing - Theory, News & General
Topic: VTIAX price drop discrepency
Replies: 20
Views: 1539

Re: VTIAX anomaly on Vanguard's website

They've fixed the error, or at any rate, they're changing something.

I saw the 5-something % at 6:45 Eastern this evening, and now at 8:27, it shows as down 2.02%, down $0.55.

eta: per my website, price is $26.63.
by bayview
Mon Jul 06, 2015 4:42 pm
Forum: Investing - Theory, News & General
Topic: part two of series on venture capital returns
Replies: 3
Views: 463

Re: part two of series on venture capital returns

larryswedroe wrote:this looks at persistence, which does exist, and why
http://www.etf.com/sections/index-investor-corner/swedroe-reputation-and-venture-capital
hope you find of interest
Larry

This has been a loooooong Monday, but persistence? I think I missed something. :confused
by bayview
Mon Jul 06, 2015 5:41 am
Forum: Investing - Theory, News & General
Topic: 401K fund line-up help
Replies: 8
Views: 860

Re: 401K fund line-up help

It sounds like that might be the only one in fund form. Some people use Long Treasuries as part of a barbell. We have a small amount, and it's pretty amazing to see the day-to-day volatility. I mainly use Intermediate-Term Treasuries: VFITX (investor) or VFIUX (Admiral.) They are less dramatic than ...
by bayview
Sun Jul 05, 2015 6:09 pm
Forum: Investing - Theory, News & General
Topic: 401K fund line-up help
Replies: 8
Views: 860

Re: 401K fund line-up help

Do you have the option of offering VG Treasury funds? (these are different from Government funds)

Some investors like me prefer to use Treasuries only for their bond funds, moving most risk to equities.

Just a thought.
by bayview
Sun Jul 05, 2015 8:32 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 466
Views: 65884

Re: What are you up YTD? [Year To Date]

The wiki's spreadsheet investor return (XIRR) was never meant to be used for predicting anything about the future; it was designed to give the overall investor return over the complete investment history (which, for most users, is longer than 11 months). For laziness reasons, the spreadsheet curren...
by bayview
Sat Jul 04, 2015 7:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 466
Views: 65884

Re: What are you up YTD? [Year To Date]

It seems that you are just explaining what an internal rate of return means. I get that. You can use the XIRR function to figure both YTD or the annualized return depending on how you build the formula in Excel (i.e., whether your use 365 days or the number of days YTD). You can also use XIRR funct...
by bayview
Fri Jul 03, 2015 6:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 466
Views: 65884

Re: What are you up YTD? [Year To Date]

I still don't completely grasp why there's such a huge difference, but I accept that there is. I suspect the investor return is the YTD return annualized. Since only 6 months of the year is behind us, the annualized return is just twice the YTD return because 12 months divided by 6 months is 2. The...
by bayview
Fri Jul 03, 2015 8:25 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 466
Views: 65884

Re: What are you up YTD? [Year To Date]

I have come to realize that many of the performance numbers posted are calculated all kinds of different ways without any consistency whatsoever. And even if they are calculated correctly the calculation is done for a subset of accounts, as in "Oh, I didn't include the 80% of my portfolio in c...
by bayview
Mon Jun 29, 2015 6:55 pm
Forum: Investing - Theory, News & General
Topic: An Argument for Long Term Treasury Bonds
Replies: 61
Views: 4931

Re: An Argument for Long Term Treasury Bonds

From this evening's Balances and Holdings page for our decidedly low-key accounts (not that I look or anything): VTSAX (total US stock market) -2.13% VTIAX (total international stock market) -2.67% VFIUX (intermediate-term Treasury fund) +0.71% VUSTX (long-term Treasury fund) +2.44% Something goes u...
by bayview
Fri Jun 26, 2015 8:30 pm
Forum: Investing - Theory, News & General
Topic: TIAA-CREF dramatically increasing Expense Ratios
Replies: 88
Views: 11432

Re: TIAA-CREF dramatically increasing Expense Ratios

Depends on which expense tier you're in. I'm in their lowest ER tier so it costs me less. Avoid having an IRA with T-C. They treat those folks like dirt... Hi Wizard, could you amplify a bit on this earlier post? I recently found that we were eligible for an IRA through TIAA-CREF, and I'm consideri...
by bayview
Fri Jun 26, 2015 5:59 am
Forum: Investing - Theory, News & General
Topic: TIAA-CREF dramatically increasing Expense Ratios
Replies: 88
Views: 11432

Re: TIAA-CREF dramatically increasing Expense Ratios

Depends on which expense tier you're in. I'm in their lowest ER tier so it costs me less. Avoid having an IRA with T-C. They treat those folks like dirt... Hi Wizard, could you amplify a bit on this earlier post? I recently found that we were eligible for an IRA through TIAA-CREF, and I'm consideri...
by bayview
Thu Jun 25, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: A time to EVALUATE your jitters
Replies: 106
Views: 33039

Re: A time to EVALUATE your jitters

A bump for those who might not have seen this linked in the current (June 2015) link viewtopic.php?f=10&t=168261
by bayview
Wed Jun 24, 2015 5:50 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 23832

Re: What was the 2008 crash like in real time?

I didn't rebalance existing savings, but I switched 100% of new contributions to equities, and then didn't look--not because I had nerves of steel, but because I didn't. Then oddly once the recovery seemed to actually be happening, and my cheap equities were climbing nicely, I sold most of them off ...
by bayview
Sat Jun 20, 2015 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: wife's personal info may have been hacked - should we freeze our credit?
Replies: 24
Views: 2539

Re: wife's personal info may have been hacked - should we freeze our credit?

We're under contract for a house, estimated closing mid-July, and I get the letter. :oops: I really don't want to do anything at this point to rock the credit boat (lenders often freak out at credit freezes), so I'm grimly waiting it out. Since the actual hack happened a good while ago, I'm telling ...
by bayview
Wed Jun 17, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: TIAA Real Estate Account as non-403(b) deferred annuity?
Replies: 10
Views: 827

Re: TIAA Real Estate Account in taxable?

Most of us who are eligible for an Investment Solutions IRA are not aware of it, simply because we know (or think we know) TIAA-CREF as an investment option for people in higher education, or maybe local public government. It would never have occurred to me to see if I might be eligible as a federal...
by bayview
Mon Jun 15, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: tIRA's RMDs causing increasing tax concerns
Replies: 62
Views: 7606

Re: tIRA's RMDs causing increasing tax concerns

Thanks for the responses. I may be confused but as I mentioned previously I spent several hours on the phone with HR at different times. I also read my company's Plan several times. I think that I cannot roll over the earnings from my Roth 401K to a Roth IRA until it has met the five year period IN...
by bayview
Tue Jun 09, 2015 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tsp allocation question
Replies: 26
Views: 1986

Re: Tsp allocation question

At one point, for reasons that no longer apply, I was keeping almost all our bond allo in G, but I always kept at least 30% or so in the stock funds in order to grow the darned TSP space. Very possible that some one will show me why this doesn't matter :D, but it made sense to me. If your desired AA...
by bayview
Tue Jun 09, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Latest TSP (Thrift) Contribution Date?
Replies: 29
Views: 2762

Re: Latest TSP (Thrift) Contribution Date?

Wow, if you can pull this off, you must have gotten hired in as a GS-12! :D

Even if you can't max it out this year, it's a good way of establishing how little you can take home and survive.

Welcome aboard! I have a daughter who's trying to do the same.
by bayview
Mon Jun 08, 2015 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 9902

Re: close friend found out how much I have - bad outcome

Maybe maybe not. I purchased a new car and paid cash. What should one say when asked about payments? Lie I'd like to think that most people are tactful enough as to not ask about the method of payment (all cash vs. loan, etc.). As for the car price, anyone can get that information with a quick sear...
by bayview
Mon Jun 08, 2015 4:52 pm
Forum: Investing - Theory, News & General
Topic: Bear Market, Move from Stocks to Bonds?
Replies: 88
Views: 6193

Re: Bear Market, Move from Stocks to Bonds?

Every day I get a little happier with our 50/50 Treasuries/US-international stock index investments. If we had cash lying around (ha), we'd probably get CD's, but I figure that with this AA, at least one side of our investments will hang in there and who knows, maybe even grow a bit more. Hey, it co...
by bayview
Mon Jun 08, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: The 'Monday Effect'?
Replies: 50
Views: 7657

Re: The 'Monday Effect'?

Just pulled a few years worth of data on the S&P 500. Looks like Monday's and Friday's both experience more days in the green than days in the red. The average one day gain on Monday's were 0.64% and Friday's experienced a 0.60% increase (an for transparency the days Monday's lost they averaged...
by bayview
Sun Jun 07, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 53
Views: 4403

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

That seems a little breathtaking for a 99203, but another possibility was if the billing code (not medical code) was for an urgent care visit, as opposed to a hi-welcome-to-our-practice new patient visit. The POS (place of service) code can change the reimbursement rate. I got nailed with one of the...
by bayview
Sun Jun 07, 2015 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 52
Views: 4557

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

As I said previously, this is a response to the huge number of patients that don't pay their bills after the fact. Certainly no Boglehead would do this, :oops: but this is the reality we are left with after so many deadbeats go through the system. Now everyone pays the price. If you don't like it, ...
by bayview
Sat Jun 06, 2015 8:44 am
Forum: Investing - Theory, News & General
Topic: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me
Replies: 40
Views: 5235

Re: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me

After several years of trying to find the perfect AA, I realized that I at least have another risk factor to consider in investing: the risk of going crazy. :D If I were younger, I might do some sort of tilting, but with retirement on the horizon, 6 years or so out (please dear Lord), I'm fine with ...
by bayview
Sat Jun 06, 2015 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 82
Views: 8614

Re: Thoughts on Federal Employment

The famous civil service system (CSRS) that so many people think that feds are under is pretty much gone by now, only held by those who've been in a long time. FERS, the current system, pays 1% of your high-3 salary x years of employment, 1.1% if you work 20 years or more. The high three can occur a...
by bayview
Fri Jun 05, 2015 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 82
Views: 8614

Re: Thoughts on Federal Employment

My mom worked for the FDA for something like 25 years (and just retired last year). Basically: it isn't the highest paying job around, but it is very hard to lose your job. She liked it a good bit. She was a sociologist working on surverys, food labels, research, infant feeding studies, etc. One is...
by bayview
Fri Jun 05, 2015 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 82
Views: 8614

Re: Thoughts on Federal Employment

I'm proud to be a federal employee, despite the umm, cheerful bashing from the legislative portion of the Three Branches and the media. I wandered into federal employment after the classic post-9/11 is-this-where-I-want-to-be-when-the-world-ends moment, quitting my job without anything on the horizo...

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