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Re: Does college tuition indeed keep up with inflation?

college tuition has much more than kept up with inflation as even a cursory Google search will illuminate, e.g.:

http://cdn.ladybud.com/wp-content/uploa ... png?0007ed
by freebeer
Wed Jan 28, 2015 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Does college tuition indeed keep up with inflation?
Replies: 15
Views: 1073

Re: I just filed a Restrictive App at the SS office

Can this be done if the parties are divorced (i.e. suppose OP was no longer married to his wife)?
by freebeer
Wed Jan 28, 2015 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: I just filed a Restrictive App at the SS office
Replies: 39
Views: 2336

Re: Get 17% in russian savings account?

I completely recognize that this is probably a horrible investment idea, and that it is pure gambling. What I'm saying is that putting aside the fact that it is gambling/speculating/whatever-you-wanna-call-it, what would be the most efficient way to make the investment? The corporate bond ETF doesn...
by freebeer
Mon Jan 26, 2015 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Get 17% in russian savings account?
Replies: 49
Views: 4458

Re: Term Life Insurance when single

If you are very generous uncle then sure... (no "dependents" doesn't mean no "heirs")... but generally, no.
by freebeer
Tue Jan 20, 2015 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance when single
Replies: 15
Views: 918

Re: Late-to-the-gate -- need some guidance

Is he "in real estate" as in sales, or as in development/investment? If the former all may be OK (and his secretive attitude just a quirk). But if the latter his secretive attitude could very well be a symptom that he's got a house of cards going... thanks to leverage it's quite easy to go...
by freebeer
Sat Jan 17, 2015 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Late-to-the-gate -- need some guidance
Replies: 10
Views: 1470

Re: Getting deposed -- do I need to hire my own lawyer?

I have been in your shoes. Most likely you signed a Proprietary Rights Agreement at the start of your employment and/or as part of a release of claims at the end of your employment. You need to read it and understand what obligations you have taken on that survive after the end of your employment, r...
by freebeer
Thu Jan 15, 2015 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4545

Re: Is a Sub-4% SWR a Boglehead Quirk?

I think one aspect of the discussion that is often overlooked is how much cushion the desired withdrawal rate includes. Let's imagine that Angie has $1M and needs 40k per year. And she really needs it; even $39k a year means wearing three sweaters because the electric company is threatening about u...
by freebeer
Sun Jan 11, 2015 1:47 am
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10673

Re: Can I retire early? 38 y/o

... At current interest rates, real returns after tax are negative, 4% SWR is therefore a nonsense (it's a nonsense at 65 too, in fact at current interest rates and projected rates of return). VT, i''m sure you meant that risk-free real returns after tax are negative. But so what? Look what the sto...
by freebeer
Sat Jan 10, 2015 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 89
Views: 10535

Re: What kind of financial advisor is 100% active?

I'm having a hard time not yielding to my eternal cynicism and am wondering if someone can shed light on something bothering me. Assuming an unsophisticated, long term buy and hold investor, who never finds reason to communicate with his or her FA except semi annually - what sort of FA would invest...
by freebeer
Fri Jan 09, 2015 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: What kind of financial advisor is 100% active?
Replies: 16
Views: 961

Re: Thinking about retirement - it's depressing

Have you considered becoming an entrepreneur?
by freebeer
Thu Jan 08, 2015 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Thinking about retirement - it's depressing
Replies: 80
Views: 8531

Re: Why not just follow John Bogle

I think Bogle is in the tank for the USA, perhaps somewhat suffering from status quo bias (after all he's lived through many decades of American overall economic dominance), perhaps due to patriotism. But I do think that his advice (in re: significantly overweighting US holdings vs. our share of the...
by freebeer
Sat Jan 03, 2015 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why not just follow John Bogle
Replies: 78
Views: 5922

Re: What kind of financial advisor is 100% active?

I'm having a hard time not yielding to my eternal cynicism and am wondering if someone can shed light on something bothering me. Assuming an unsophisticated, long term buy and hold investor, who never finds reason to communicate with his or her FA except semi annually - what sort of FA would invest...
by freebeer
Sat Jan 03, 2015 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: What kind of financial advisor is 100% active?
Replies: 16
Views: 961

Re: Problem with Google Docs Sheets stock quotes

Thank you richard, that is clearly the problem - I tried a bunch of dates but none early enough to work. Perhaps it's been discontinued but I can work around that, I realized this entry is for tracking a retirement fund for which I don't have direct access to current holdings anyway.
by freebeer
Sat Jan 03, 2015 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem with Google Docs Sheets stock quotes
Replies: 2
Views: 186

Problem with Google Docs Sheets stock quotes

Short question: in a Google Docs spreadsheet =GoogleFinance("VIFSX","price") works (returns current price) but =GoogleFinance("VIFSX", "price", DATE(2014, 12,4)) does not work (for any date I enter)... whereas for the other dozen mutual funds in my portfolio t...
by freebeer
Sat Jan 03, 2015 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem with Google Docs Sheets stock quotes
Replies: 2
Views: 186

Re: Stolen car recovered, need a plan

... * Car did not have comprehensive coverage (a mistake) * Prior to being stolen, car was worth about $4-4.5k... Uh, why was not having comprehensive a mistake? It is a rule of thumb that if vehicle is only worth $4K not to bother with comprehensive or collision. I mean given what happened sure it...
by freebeer
Mon Dec 22, 2014 1:17 am
 
Forum: Personal Consumer Issues
Topic: Stolen car recovered, need a plan
Replies: 27
Views: 3177

Re: Buy rental property as I cannot afford house where I liv

From your other post $70K is all your after-tax cash. I would not suggest investing 100% in RE and I would not suggest being an out-of-town landlord. That being said 25 years ago I was in the Bay Area and thought housing prices were out of control. I strongly considered buying in Seattle which was a...
by freebeer
Mon Dec 22, 2014 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy rental property as I cannot afford house where I live
Replies: 7
Views: 1338

Re: Odds of portfolio survival = 90%; odds of my survival =

Yes, I have tried to blow this horn here... as a former business partner of mine likes to say: "the only true limiting factor in life is time, not money". But many of us don't seem comfortable contemplating this too closely ... a fixation on building a "completely safe" portfolio...
by freebeer
Mon Dec 15, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 171
Views: 11653

Re: Poll: Dividend income to match annual salary?

Dividends are a side show. What counts is real return. +1 to that. And focusing on dividends is also a recipe for tax-inefficiency, with both double taxation (at corporate and individual levels) and the missed opportunity to postpone paying capital gains esp. given broad-based index funds like Tota...
by freebeer
Thu Dec 11, 2014 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3823

Re: "Why Retirement at 65 is a Fairy Tale"

... assuming those 65 year olds keep their jobs. Past history suggests most them will get laid off around 62 and never have a similar level employment again. ... I would have expected that the % who get laid off late in their work careers (vs. voluntarily retiring or staying employed at a similar l...
by freebeer
Thu Dec 11, 2014 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 12003

Re: "Why Retirement at 65 is a Fairy Tale"

... assuming those 65 year olds keep their jobs. Past history suggests most them will get laid off around 62 and never have a similar level employment again. ... I would have expected that the % who get laid off late in their work careers (vs. voluntarily retiring or staying employed at a similar l...
by freebeer
Thu Dec 11, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 12003

Re: What is the best meal you've had at a restaurant?

Coincidentally I had one of my most amazing meals just now - Duck breast with caramelized bananas and figs as the main course, and eggplant "beignets" with coriander batter as starter. And a carafe of lovely Cote du Provence wine, with Armagnac and cheese to finish. This was at the restaur...
by freebeer
Wed Dec 10, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6964

Re: I need to accumulate $30k over the next 2 years, how?

I have a different perspective than most. Since the surgery is elective and you indicated exact timeframe is flexible, how much value would you place in having a very good chance to be able to pay for the surgery in 18 months instead of 2 years in exchange for a (significantly smaller) chance that i...
by freebeer
Tue Dec 09, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4113

Re: Wellesley acutally outperforms Total Market/Intermed. Ta

But, isn't the stock component of Wellesley managed actively with both value and sector tilts? If so I wouldn't expect the results to closely track a synthesized alternative that uses vanilla TSM for stocks... and it could be that the taxable bonds pulled Wellesley returns down vs. if its equities h...
by freebeer
Mon Dec 08, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellesley acutally outperforms Total Market/Intermed. Tax Ex
Replies: 5
Views: 994

Re: Got earthquake insurance?

I am a 20 year Pac NW resident and have never had earthquake insurance at any of the 4 homes we've owned. But now I'm renting at a waterfront spot where an extension of the Seattle Fault (discovered, interestingly, via LIDAR mapping - http://geomaps.wr.usgs.gov/pacnw/graphic/toejamfM.jpg ) runs righ...
by freebeer
Sat Dec 06, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got earthquake insurance?
Replies: 35
Views: 2111

Re: Do we have too much house?

... $30K/year for babysitter??... Babysitter is not for date night - it is for 40+ hours a week (we still have one child not yet in school, plus she is there before the older ones go to school and after they get home) Ah, OK I understand - I'd call that a "nanny"... "babysitter"...
by freebeer
Wed Dec 03, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we have too much house?
Replies: 45
Views: 4524

Re: Do we have too much house?

$30K/year for babysitter?? At a (high) $15/hour that would be 2,000 hours/year, which would be 6 hour outings 6 nights every week of the year. What am I missing here?
by freebeer
Tue Dec 02, 2014 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we have too much house?
Replies: 45
Views: 4524

Re: Health Insurance for 5 Month International Travel

Assuming good health, I think it'd be overkill to get any extra insurance, or to get medevac insurance unless going to truly remote regions of the Philippines. As kramer implied, any procedures one would want to have done there won't be expensive, and from any significant city in the Philippines one...
by freebeer
Tue Dec 02, 2014 12:56 am
 
Forum: Personal Consumer Issues
Topic: Health Insurance for 5 Month International Travel
Replies: 9
Views: 1326

Re: Is 60/40 mix of stocks and bonds still best balance?

I'm 30 years old ... We aren't the general public on this board - we are on bogleheads.org bc we know a thing or two about investing. I suspect that very few on this board would freak out if we had a 50% market decline, we'd keep our cool knowing that this is a normal process... As you say, this is...
by freebeer
Thu Nov 27, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix of stocks and bonds still best balance?
Replies: 36
Views: 6460

Re: Avoiding lifestyle creep

MrMoneyMustache FTW!
by freebeer
Tue Nov 25, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5589

Re: Experiences using VRBO, Airbnb internationally

I have used both AirBnB & VRBO internationally (Kyoto, Frankfurt, Paris, etc.)... great experiences, in the top 10% of all my AirBnB/VRBO stays. It seems that VRBO at least in the past has been more for expat hosts with AirBnB having more local hosts but I don't know if this may be because I've ...
by freebeer
Mon Nov 24, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 26
Views: 2725

Re: Proposed Lifetime Retirement Investment Approach

... only rebalancing occasionally among them. ... In my understanding the merits of particular criteria on rebalancing (annual, when allocation is out of whack by X%, never, ...) are debatable but leaving it vague in the plan seems sub-optimal (susceptible to market timing or other behavioral facto...
by freebeer
Fri Nov 21, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proposed Lifetime Retirement Investment Approach
Replies: 28
Views: 2946

Re: Tell me about FitBit - is it worth having?

For me, yes for sure (over 8.7M steps and 30K floors to date). It helps me remember to get at least 10K steps/day (& I aim for 20 floors) and on the days when I'm close to higher levels I am likely to walk an extra 1K=2K steps or climb an extra 5-10 floors to get the next "badge". And ...
by freebeer
Fri Nov 21, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 2794

Re: Taxable investing for lower dividends only?

livesoft, Well, BerkshireHathaway would be somewhat over-concentrated vs. Bogleheads principles (not to mention carrying some non-trivial management succession risk right now). But maybe your suggestion wasn't entirely serious. Grt2bOutdoors, Right, but Tax managed capital appreciation doesn't avoid...
by freebeer
Fri Nov 21, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing for lower dividends only?
Replies: 6
Views: 844

Re: Taxable investing for lower dividends only?

The main thing I would suggest is to make sure the dividends are all qualified. Furthermore, if you want some money back, then make sure the qualified dividends are eligible for the foreign tax credit. Also make sure you have at least $3000 in net losses on your Schedule D every year... Thanks live...
by freebeer
Thu Nov 20, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing for lower dividends only?
Replies: 6
Views: 844

Taxable investing for lower dividends only?

Tax-managed funds generally aim to minimize both dividends and taxable capital gains. I have significant taxable investments and may be interested in reduction of dividend & interest income partly but not solely to reduce taxes. Presently in a reasonably high tax bracket from salary alone (28%) ...
by freebeer
Thu Nov 20, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing for lower dividends only?
Replies: 6
Views: 844

Re: Vacation in France

If you want an economical "countryside" stay you might consider Rambouillet - end of RER line so quick and cheap to access from central Paris and there are "gites" / B&Bs / farmstays a plenty. Farms and forests and chateaux... like going to Loire Valley but way less cost and ...
by freebeer
Tue Nov 18, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 11126

Re: How Not to Retire

Very touching. I'm ashamed that someone as eloquent and accomplished as McPherson could end up in poverty. But, my mother (born a year earlier) is indigent in a not dissimilar situation to McPherson's. OK she never got a Pulitzer, but over the years she employed hundreds of people in her business an...
by freebeer
Mon Nov 17, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 9528

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

1. Get Computer Science degree from prominent university. 2. Get job at company that turns out to be a feeder to high-tech startups 3. Job hop a year later to tech company just before its IPO 4. (eventually) start investing a la Bogleheads and stay the course (inc. through the last crash). But sadly...
by freebeer
Thu Nov 13, 2014 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 301
Views: 46361

Re: How Much Do I Need?

if you zip over to immediate annuities.com you can get very good numbers on whatever combination of annuity dates you like. These are big annuities so overhead costs are small as a percentage. Thanks - but I can't figure out how to gen a quote for a N-year annuity that would stop paying if I died (...
by freebeer
Thu Nov 13, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Do I Need?
Replies: 4
Views: 1084

Re: How Much Do I Need?

One comment on your "smell" test. The study that generated the 4% number was based on retirement at 65. With an additional 10+ years to fund that number will be lower so maybe something in the 3% - 3.5% range is about equivalent risk. Doesn't mean you're not OK with $2.5M but you may not ...
by freebeer
Thu Nov 13, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Do I Need?
Replies: 4
Views: 1084

How Much Do I Need?

Sadly, we are going through a divorce. We had way more than enough... but I may end up with less than enough. My question is this: to fund annual spending of $84K in today's dollars ($7,000/mo) for a (nearly) 54-year-old male, due to collect SS with PIA of $2,156/mo at age 67 assuming no future earn...
by freebeer
Wed Nov 12, 2014 11:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Do I Need?
Replies: 4
Views: 1084

Re: Part Time Work in Tech Fields - Early Retirement

One gig that may fit your bill is working on standards. Standards work is long term and lower paced and affords travel opportunities (you have to have the patience for committee meetings though). Anyway if your network includes MegaCorps or government groups that work on standards, and you have some...
by freebeer
Fri Nov 07, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Part Time Work in Tech Fields - Early Retirement
Replies: 12
Views: 1966

Re: Prudent Investment Portfolio for 58-year Old w/20M Net W

Any asset allocation would work in this situation. A person can't spend all $20 mm ($12 mm liquid) with $375k in annual withdrawals assuming 2% income from all bonds or all stocks. There would be over $5 mm liquid left even after 35 years assuming no growth, plus the illiquid amount. 0% in stocks t...
by freebeer
Thu Oct 30, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Prudent Investment Portfolio for 58-year Old w/20M Net Worth
Replies: 39
Views: 4936

Re: Elderly parent on path to run out of money in 6 months

My mother ran through her last savings in her early 70s. Some bad choices and money mismanagement en route, plus some bad luck, mainly a contract sale of her long-time business that ended up a legal and financial debacle. She has no assets and small SS payments as her only income. So I provide some ...
by freebeer
Tue Oct 28, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Elderly parent on path to run out of money in 6 months
Replies: 13
Views: 3137

Re: Most financially economical choice for a car

The Prius used market is likely a bit distorted right now as it's one of the cheapest vehicles acceptable for UberX drivers.
by freebeer
Tue Oct 28, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4891

Re: Feeling rich to feeling poor overnight

How about a camper van or a boat? Explore more of the area while your GF is here and either keep your below-market rental deal or not and become a super-super-saver or splash out on the occasional fancy hotel/AirBnB weekend. A craigslist RV/sailboat could be a net neutral deal if you sell in 6 month...
by freebeer
Fri Oct 24, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 11346

Re: Mr. Market turns on Amazon

Amazon's present valuation is in effect a probabilistic blend between highly disparate bullish and bearish forecasts, but in that respect it's no different than any other growth stock and debating "bull" vs. "bear" futures doesn't seem particularly constructive. And is this even ...
by freebeer
Fri Oct 24, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4597

Re: [Best Option for Early Termination] of Apartment Lease

You may not want to invest the time but one option I would consider were I in your shoes would be to retain the apartment and be an AirBnB host. Legally this may be considered a sublet in violation of your rental agreement but there's some grey area and a landlord, even if they find out about it, i...
by freebeer
Thu Oct 23, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Best Option for Early Termination] of Apartment Lease
Replies: 21
Views: 1656

Re: The 1 Thing Successful Investors Never Do

Came across this article on the Motley Fool which I thought was good http://www.fool.com/investing/general/2014/10/22/the-1-thing-successful-investors-never-do.aspx Really? From the article: "...never give up... Whether your strategy is index investing or a more active form of investing, those...
by freebeer
Wed Oct 22, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: The 1 Thing Successful Investors Never Do
Replies: 12
Views: 5036

Re: Don't auto-renew your ACA plan, shop around

... I am worried about incurring catastrophic health costs outside of my control. Say you get in an accident or are hospitalized for some serious illness and numerous out-of-networks procedures, tests, and consultations are done without your permission. You could easily be looking a 6 figures in ou...
by freebeer
Wed Oct 22, 2014 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't auto-renew your ACA plan, shop around
Replies: 17
Views: 1622
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