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by coachz
Thu May 14, 2015 6:04 am
Forum: Personal Consumer Issues
Topic: Free if you sign up (Home Depot card)
Replies: 18
Views: 2111

Re: Free if you sign up (Home Depot card)

where can I find these >$300 offers ?
by coachz
Wed May 13, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9094

Re: I Hate Vacations

If I have money and time a vacation will never stress me.
by coachz
Wed May 13, 2015 7:01 am
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9094

Re: I Hate Vacations

Try having a job where sick time and vacation time are one called PTO. Then try being sick and using up all of it. Then have parents who are ill and the only time off you do have you need to go take care of them. I'm 55 and have had 5 vacations in my life usually about 1 week each. I feel your pain....
by coachz
Tue May 12, 2015 5:59 am
Forum: Personal Consumer Issues
Topic: Having a website
Replies: 18
Views: 1621

Re: Having a website

namecheap.com for cheap domain names
ramhost.us for cheap hosting 75 cents a month
or hawkhost for more features
by coachz
Thu May 07, 2015 7:37 am
Forum: Investing - Theory, News & General
Topic: Skybridge Salt Conference
Replies: 0
Views: 194

Skybridge Salt Conference

I found these video interesting from the ongoing conference.

https://www.google.com/search?q=skybrid ... 60&bih=889
by coachz
Wed Apr 29, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 2599

Re: Backyard patio - should I invest?

pavers with polymeric sand works great, Broom the sand in, sweep off the top, spray water to firm it up. Very easy and keeps weed out, it's also very easy to redo spots down the road.
by coachz
Mon Apr 27, 2015 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement with 401(k)'s and IRA's
Replies: 16
Views: 1999

Re: Early Retirement with 401(k)'s and IRA's

Also read up on traditional ira to roth conversions which from what I read is best when you are in a lower tax bracket. So maybe after you retire, convert some each year up to the top of your current tax bracket.
by coachz
Mon Apr 27, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving our financial advisor over a period of months
Replies: 33
Views: 2552

Re: Leaving our financial advisor over a period of months

My wife offers to help me leave all that time. :oops: Asking your advisor to help you leave is like asking your wife to help you leave... "Honey, I'll be filing for divorce in a few months. But first could you wash and iron my clothes? Oh, and I also need some pants shortened too. And could you...
by coachz
Mon Apr 27, 2015 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving our financial advisor over a period of months
Replies: 33
Views: 2552

Re: Leaving our financial advisor over a period of months

I think of a financial advisor like a waiter at a restaurant. They serve me. I would simply say to him/her thank you for the services and that you are moving your money and to do the following. Then list what you want him/her to do. There doesn't need to be any personality involved as it's just busi...
by coachz
Mon Apr 27, 2015 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Funds for stay the course 25 yr old
Replies: 9
Views: 683

Re: Funds for stay the course 25 yr old

great advices, thanks guys
by coachz
Mon Apr 27, 2015 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Funds for stay the course 25 yr old
Replies: 9
Views: 683

Re: Funds for stay the course 25 yr old

With such a long time horizon can't she do more growth type funds for even higher return or does the risk go up too much ? If you know that they are not going to flinch when the markets go down 50%, what funds would be a good simple mix to get going? If she won't flinch, I would do: 80% Vanguard Tot...
by coachz
Mon Apr 27, 2015 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Funds for stay the course 25 yr old
Replies: 9
Views: 683

Re: Funds for stay the course 25 yr old

All of those seem too conservative for a 25 yr old that is not risk averse and has 30 yrs to get serious growth. I have a 25 yr old coworker who is interested in investing for the long haul. If you know that they are not going to flinch when the markets go down 50%, what funds would be a good simple...
by coachz
Mon Apr 27, 2015 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Funds for stay the course 25 yr old
Replies: 9
Views: 683

Funds for stay the course 25 yr old

I have a 25 yr old coworker who is interested in investing for the long haul. If you know that they are not going to flinch when the markets go down 50%, what funds would be a good simple mix to get going? I was thinking, rather than the three fund portfolio, since they have such a long time horizon...
by coachz
Fri Apr 24, 2015 11:33 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3236

Re: Is tax loss harvesting that powerful ?

You are saying this would be fine and allowed right ? I think there would be no question of a wash sale if you sold the total stock market and reinvested it in the S&P 500 immediately. A relative had been advised against buying one company's version of the S&P 500 and reinvesting in Vanguard...
by coachz
Fri Apr 24, 2015 9:38 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3236

Re: Is tax loss harvesting that powerful ?

Ok so where how is "Substantiality similar positions" defined. There has to be a definition somewhere. So, using stay the course, if the market drops 25% or more do you sell your holdings, and buy back something else that allows you to take advantage of tax loss harvesting ? Yes, if you us...
by coachz
Fri Apr 24, 2015 9:17 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3236

Re: Is tax loss harvesting that powerful ?

I am a contrarian and basically like to cover all angles at all times. For me discussing this at an all time high is the perfect time to discuss it. :sharebeer
by coachz
Thu Apr 23, 2015 7:55 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 64
Views: 5370

Re: Best (Available)Red Wine for under $15 preferrably under

A3. Anytme, anyplace anyone I think it was around $6 and tasted great.
by coachz
Thu Apr 23, 2015 6:26 pm
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 83
Views: 6732

Re: Marginal benefit of spending more on car

I would never have leather in a car in a climate with high 90s for 3 months or more. Very sticky. Been there, done that. Driving cloth in Charleston, SC My leather seats don't get hot & sticky in the summer, be careful you're not talking vinyl. But I don't know any recent cars with vinyl anymore...
by coachz
Thu Apr 23, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: Do you Bogleheads really follow the 3-4% SWR rule?
Replies: 48
Views: 4687

Re: Do you Bogleheads really follow the 3-4% SWR rule?

What are some of the thought processes they use please ?

jebmke wrote:I have said before, I know a lot of retirees and not one of them uses a mathematical method to draw from assets.
by coachz
Thu Apr 23, 2015 1:29 pm
Forum: Investing - Theory, News & General
Topic: SWR rule and Social Security
Replies: 13
Views: 1145

Re: SWR rule and Social Security

ok, will do and thank so much
by coachz
Thu Apr 23, 2015 1:25 pm
Forum: Investing - Theory, News & General
Topic: SWR rule and Social Security
Replies: 13
Views: 1145

Re: SWR rule and Social Security

i see. thanks very much
by coachz
Thu Apr 23, 2015 1:23 pm
Forum: Investing - Theory, News & General
Topic: SWR rule and Social Security
Replies: 13
Views: 1145

Re: SWR rule and Social Security

Right but isn't there a way to incorporate SS into the formula? Add all SS assets from 70 to 90 or something and then test with 3.3% ? Otherwise 5% or whatever seems like I can pick any random value.
by coachz
Thu Apr 23, 2015 1:08 pm
Forum: Investing - Theory, News & General
Topic: SWR rule and Social Security
Replies: 13
Views: 1145

Re: SWR rule and Social Security

I don't know what that means to be an offset. Say you need $50,000/yr to live on and have $700,000 saved but also have SS at age 70 paying $50k/yr and current age is 55 and the goal is to retire now.
by coachz
Thu Apr 23, 2015 1:00 pm
Forum: Investing - Theory, News & General
Topic: SWR rule and Social Security
Replies: 13
Views: 1145

SWR rule and Social Security

i'm 55 and the Bogleheads Guide to Retirement Planning says I should plan a SWR of 3.3%. How do I take Social Security into account for this calculation if I start SS at age 70 ? Do I take 20 yrs worth of SS and add that to my holdings and see if 3.3% of that meets my income needs ?
by coachz
Thu Apr 23, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3236

Re: Is tax loss harvesting that powerful ?

So, using stay the course, if the market drops 25% or more do you sell your holdings, and buy back something else that allows you to take advantage of tax loss harvesting ?
by coachz
Thu Apr 23, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 83
Views: 6732

Re: Marginal benefit of spending more on car

For me I'm frugal but also hate working on cars. I buy only Nissan, Honda or Toyota and have great reliabilty over many years. I typically sell at 110,000 miles and get another new or 2 year old low mileage car. Right now i'm in a Nissan Murano, 2013 that i bought new. It's up to 22,000 miles and is...
by coachz
Thu Apr 23, 2015 10:28 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3236

Re: Is tax loss harvesting that powerful ?

is his name Bernie Madoff? I hear he's the best. :sharebeer wholly guacamole ! If you guys have any more strategies of the rich and powerful (or even that work for normal people) I'm always interested in learning more. Thanks again. :beer I have this friend that can double your money every year, no ...
by coachz
Thu Apr 23, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3236

Re: Is tax loss harvesting that powerful ?

wholly guacamole ! If you guys have any more strategies of the rich and powerful (or even that work for normal people) I'm always interested in learning more. Thanks again. :beer
by coachz
Thu Apr 23, 2015 9:54 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3236

Is tax loss harvesting that powerful ?

With only the ability to write off $3000 a year it doesn't seem like this is a tool that the rich and powerful investors would care too much about. Are there other strategies that appeal more to the high rollers ?
by coachz
Thu Apr 23, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Still having a hard time on retiring
Replies: 43
Views: 6470

Re: Still having a hard time on retiring

I thought it was a joke too. You are way past the question of can I. Do it and live ! You have won. Retire in January ? I'm thinking 2 weeks, 1 month max. Congratulations ! Keep reading and posting here to firm up your retirement muscle too. John Hi Mule, Is this a joke? You have financial assets wo...
by coachz
Wed Apr 22, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal order in retirement ?
Replies: 12
Views: 1108

Re: Withdrawal order in retirement ?

sorry, i always think about what is the correct forum but don't seem to be smart enough to know where to put them. Maybe forums called Accumulation and Decumulation would make it possible for me. :oops: Looking at the Buckets of Money wiki, is there a way for me to tell where that is located in the ...
by coachz
Wed Apr 22, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal order in retirement ?
Replies: 12
Views: 1108

Re: Withdrawal order in retirement ?

I wonder if there is anything in the Bogleheads wiki ?
by coachz
Wed Apr 22, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal order in retirement ?
Replies: 12
Views: 1108

Withdrawal order in retirement ?

I'm reading many articles but not clear on what is the best order to withdraw money during retirement. For me there are no beneficiaries so I don't need to take that into account. I've got a long way (15 yr) to RMD but I read that they would be first but then it gets murky to me. Taxable accounts ne...
by coachz
Wed Apr 22, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies
Replies: 13
Views: 1819

Re: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies

I think the strategy is to die first and avoid LTC costs. But when it comes time to work out a withdrawal strategy, surely you have to have some kind of plan for adjusting your normal withdrawals so as to be ready for a really big hit on long-term care I find that most discussions about withdrawal s...
by coachz
Wed Apr 22, 2015 7:47 am
Forum: Investing - Help with Personal Investments
Topic: the next 10 years
Replies: 3
Views: 602

Re: the next 10 years

so you're saying there's a chance to still make money ! :beer
by coachz
Wed Apr 22, 2015 6:32 am
Forum: Investing - Help with Personal Investments
Topic: the next 10 years
Replies: 3
Views: 602

the next 10 years

I keep reading that the next 10 years for investing is not expected to be great. If that is true, maybe I should take my money and buy a BBQ restaurant (they never go out of business here in the south), or do rentals or flipping. I would hate to see the next 10 years go by with nothing to show for i...
by coachz
Tue Apr 21, 2015 7:36 am
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 8262

Re: What's your average monthly expense???

I assume these are not all retired people. Many don't seem to list health insurance as an expense and some seem very low at $100 month or so.
by coachz
Tue Apr 21, 2015 6:17 am
Forum: Personal Finance (Not Investing)
Topic: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies
Replies: 13
Views: 1819

Re: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies

Great information but first... his audio quality is horrible. It's like he's on a bad telephone talking through a shoe. The goal is communication and you need to have decent sound quality to do that. Also his explanations are not always clear. Like his explanation of Fixed Percentage where he says y...
by coachz
Tue Apr 07, 2015 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5515

Re: Might Go $4,000 AAPL

They users I know are such sheep they will keep buying Apple forever. I think you'll do fine. Me? I diversify.
by coachz
Wed Mar 11, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - Ripped off Advice
Replies: 20
Views: 1612

Re: Edward Jones - Ripped off Advice

Move on?? Not me. I would simply get the facts on where the money went by asking her to sit down with you and go over the statements. I wont let thirty grand just disappear without knowing why.
by coachz
Tue Jan 13, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Will young get social security?
Replies: 13
Views: 1264

Re: Will young get social security?

I'm currently 55 and wondering if it is starting to make sense to lock in at 62 or risk a reduced amount at 70.
by coachz
Tue Jan 13, 2015 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Will young get social security?
Replies: 13
Views: 1264

Will young get social security?

I keep hearing "today's young people won't have social security when they retire". Is that actually possible? I would expect anyone forced to pay into a system to demand their due share as an entitlement or go postal. Am I missing something? I don't imagine the government is going to say t...
by coachz
Tue Jan 13, 2015 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Very basic social security question
Replies: 2
Views: 560

Re: Very basic social security question

She can get her amount at http://www.SSA.gov by logging in. You can also call them for the spousal benefit amount and they are pretty helpful.
by coachz
Mon Jan 05, 2015 10:41 am
Forum: Investing - Theory, News & General
Topic: Real Value of Nest Egg
Replies: 24
Views: 2016

Re: Real Value of Nest Egg

The Wizard wrote:Save 20% additional as a pad against negative volatility and you should be fine...


Said as easily as "Work 20 more years" :mrgreen:
by coachz
Mon Jan 05, 2015 9:42 am
Forum: Investing - Theory, News & General
Topic: Real Value of Nest Egg
Replies: 24
Views: 2016

Re: Real Value of Nest Egg

Surely, a bad sequence of returns is much more likely when the market is at an all time high. A bad sequence of returns does not depend on what has happened with the market in the past week, month, or year, nor if the market is at a high or not. It could happen any time. Do you have a source indica...
by coachz
Mon Jan 05, 2015 9:00 am
Forum: Investing - Theory, News & General
Topic: Real Value of Nest Egg
Replies: 24
Views: 2016

Re: Real Value of Nest Egg

sorry, let's assume that the asset mix is 50/50 stocks/bonds
by coachz
Mon Jan 05, 2015 8:28 am
Forum: Investing - Theory, News & General
Topic: Real Value of Nest Egg
Replies: 24
Views: 2016

Real Value of Nest Egg

So, you saved up $1,000,000 and you consulted a variety of CFPs who use the 4% rule and say you should be fine to get $40,000 indexed for inflation for the next 35 years. The problem is, the stock market is at an all time high of 18,000. Does this mean your $1,000,000 is not really the right number ...
by coachz
Sun Dec 07, 2014 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes in retirement
Replies: 4
Views: 878

Re: Taxes in retirement

thanks, D11 was the problem.

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