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Re: Have Ibonds do we need Tips

Thanks for the replies.When all is said and done at 70 I am projecting between 15 and 20 pct of my total portfolio in Ibonds and I will be 20 to 25 pct equities.
by hoops777
Tue Oct 21, 2014 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Have Ibonds do we need Tips
Replies: 5
Views: 973

Have Ibonds do we need Tips

My wife and I have about 120k in Ibonds,age 62 and 64.I was planning on buying the max until the first one of us hits 70 which would give us another 140,000.I would think that is more than enough inflation protection,or is it better to diversify with tips and not buy more ibonds?My wife has one we b...
by hoops777
Mon Oct 20, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Have Ibonds do we need Tips
Replies: 5
Views: 973

Re: Help me choose... [Retirement withdrawal strategy]

Set it up the best way you can that you are not at the mercy of the stock market.
by hoops777
Sun Oct 19, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help me choose... [Retirement withdrawal strategy]
Replies: 12
Views: 1257

Re: Dry Powder

Cash.....I do not see the evil in holding cash,especially in a low inflationary environment.You can put it in a bond fund,even short term and see your 100k become 96k real fast and wait for the fund to get you back to your 100k,which depending on the time it takes would also be subject to inflation ...
by hoops777
Sun Oct 19, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3500

Re: Health care tilt

I would respectfully comment because you are a physician does not mean you have any more insight to the stock market returns of the healthcare industry than anyone else who has a serious interest in it.Professional analysts constantly screw up their predictions covering just one large company and yo...
by hoops777
Sat Oct 18, 2014 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 3608

Re: How did you get from $1M to $10M

You will probably need to own your own business which of course is even riskier than our much beloved stock market.You say you want to help people so I would focus on that and at least you will feel like 10 million bucks :)
by hoops777
Thu Oct 16, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4005

Re: Dry Powder

Deleted
by hoops777
Thu Oct 16, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3500

Re: Bill Sharpe on the 4% SWR rule (he thinks it's silly)

I believe in the year 2014 we want to be able to plug in some numbers to a computer and be told everything is going to be ok.Sometimes you need to evaluate a situation with common sense and basic math and figure out what is going to work in the real world that changes day to day,sometimes drasticall...
by hoops777
Thu Oct 16, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Sharpe on the 4% SWR rule (he thinks it's silly)
Replies: 51
Views: 4602

Re: Bill Sharpe on the 4% SWR rule (he thinks it's silly)

You gotta love this stuff....I think staythecourse has it right.The best way to look at it is to write yourself a paycheck based on what you can afford.Common sense is worth more than all of the academic research and expert opinion. In my humble opinion the main problem is investing in the stock mar...
by hoops777
Wed Oct 15, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Sharpe on the 4% SWR rule (he thinks it's silly)
Replies: 51
Views: 4602

Re: Will and Estate Planning - do i or not need an attorney

Maybe he keeps it in his office as a sales tool....no....a lawyer would never do that :)
by hoops777
Tue Oct 14, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will and Estate Planning - do i or not need an attorney
Replies: 26
Views: 2246

Re: Will and Estate Planning - do i or not need an attorney

I am not an attorney,but I can form an opinion about this topic.I believe it all depends upon how simple or complex your estate is.There is ZERO reason to pay thousands of dollars to an attorney if your situation is not complex,although most attorneys will find some reason to convince you otherwise....
by hoops777
Tue Oct 14, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will and Estate Planning - do i or not need an attorney
Replies: 26
Views: 2246

Re: It's a good day to be heavy in REITs

It is a good day until it is a bad day :(
by hoops777
Tue Oct 14, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 3972

Re: Fidelity AMEX: Close Saphire and SPG

It all depends upon your needs.We have SPG,SWA and a Venture cap one that pays double points and can be used to fill any needs our SPG and SWA do not meet.The swa is great if you can earn a companion pass.The SPG can be used for intl flights as noted earlier in this thread.The SPG is great if you st...
by hoops777
Tue Oct 14, 2014 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX: Close Saphire and SPG
Replies: 14
Views: 2157

Re: CD ladder

Thanks for your replies.I think I will make life simple and just go with 5 year at 2.4 which is very close to an intermediate bond fund.I was going to wait and see what Penfed comes out with but it is so much easier to just have it all in one place and the difference in the return if they come out w...
by hoops777
Sun Oct 12, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: CD ladder
Replies: 3
Views: 600

CD ladder

Thinking of doing a brokered cd ladder with vanguard....2 yr 1.2 3 yr 1.65 4 yr 2.15 5 yr 2.4 7 yr 2.85....already have a large 10 yr at 3.4 from 8 months ago.Never did a ladder before....any thoughts?
by hoops777
Sat Oct 11, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: CD ladder
Replies: 3
Views: 600

Re: Bonds Beware

With stocks the saying I believe is buy when there is blood in the water or when the market has dropped off a cliff like 2008.With bonds on the other hand if the much talked about downturn finally happens and interest rates rise for a period if years,is there a point where you go all in with say the...
by hoops777
Sun Oct 05, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds Beware
Replies: 34
Views: 4422

Re: Should I buy this house

Is the Bogleheads a great resource or what?Nice to be able to get so many opinions from experienced people with no agenda.Any websites on the worldwide web better than this? :sharebeer
by hoops777
Thu Oct 02, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy this house
Replies: 37
Views: 2158

Re: Should I buy this house

I do not know where you live but in Ca.the housing market is starting to cool down.Is this some dream house in a once in a lifetime location or something?Do you have to buy such an expensive house or do you want to because you can?Wait a few years and save a ton of money and you will probably get a ...
by hoops777
Wed Oct 01, 2014 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy this house
Replies: 37
Views: 2158

Re: Aspiring Personal Finance Advisor

Make sure you have the stomach for it.It sounds great when the market keeps going up for 5 straight years.How you going to deal with your client dealing with a 20 or 30pct loss on paper if things go south.
by hoops777
Tue Sep 30, 2014 1:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Aspiring Personal Finance Advisor
Replies: 8
Views: 1397

Re: Chartway offers 2.5% 5-year CD, only 90 day penalty!

That PenFed 3 pct cd last year is looking mighty good.I did not bite because of the hassle but I will if they have another great rate at the end of the year.I was actually thinking of setting it all up now and transferring funds but if I do I will put a curse on everyone else and there will be nothi...
by hoops777
Mon Sep 29, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Chartway offers 2.5% 5-year CD [with uncertain terms]
Replies: 12
Views: 2316

Re: TIPS & Rick Ferri

If one has 20000 a year to invest in tips or ibonds for a husband and wife which is the better choice?
by hoops777
Sun Sep 28, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Rick Ferri
Replies: 28
Views: 4911

Re: What is your best estimate of the SWR (Safe Withdrawal R

After all the technical mumbo jumbo and academic research is done I have the answer.You withdraw the lowest amount that you can that will either get you by or provide a comfortable living depending upon your circumstances.I am so tired of reading about x amount and adjusting for inflation each year....
by hoops777
Sat Sep 27, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: What is your best estimate of the SWR (Safe Withdrawal Rate)
Replies: 77
Views: 4000

Re: Withdrawl from Target Retirement or Life Strategy Fund

Am I missing something or is it safe to say the ideal situation for a balanced fund in retirement is your withdrawal rate is equal to or below the dividend payment which means not selling shares in a down market.
by hoops777
Tue Sep 23, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4532

Re: Barron's article: Don't Panic! (retirement news & theory

Livesoft....you like having 10 years of expenses in bond funds.Question...Are balanced funds a bad idea because you would be selling stocks when the market has tanked?IProbably better to keep bond funds and stock funds seperate?
by hoops777
Tue Sep 23, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3802

Re: Barron's article: Don't Panic! (retirement news & theory

Dkturner....you said a more aggressive investor is likely to have a larger portfolio at the start of retirement.....depends upon my new favorite phrase...the luck of your sequence of returns.
by hoops777
Mon Sep 22, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3802

Re: Barron's article: Don't Panic! (retirement news & theory

Good article.The more I read about this topic the clearer it becomes that a common sense withdrawal rate and a realistic budget are the keys to retirement.....along with a little luck with the sequence of returns issue.
by hoops777
Mon Sep 22, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3802

Re: Barron's article: Don't Panic! (retirement news & theory

Leeraar....never mind...I can read it now at Barron's.I could not yesterday for some reason.Thanks
by hoops777
Mon Sep 22, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3802

Re: Barron's article: Don't Panic! (retirement news & theory

Leeraar...You gave me a link that goes to this boglehead page....I cannot read it off Barron's site without being a subscriber.
by hoops777
Mon Sep 22, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3802

Re: Barron's article: Don't Panic! (retirement news & theory

I panicked because you have to be a subscriber to read it
by hoops777
Sun Sep 21, 2014 11:07 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3802

Re: Another take on "rising equity glidepath" in retirement

What I am really beginning to love about all the technical analysis of investing is that no matter how detailed and intense a particular study is....no matter how many years it covers.....no matter how brilliant the researchers are......it always ends with there is no guarantee of these results repe...
by hoops777
Sat Sep 20, 2014 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: Another take on "rising equity glidepath" in retirement
Replies: 14
Views: 1483

Re: Proposed: 35% Maximum Bond Allocation, For Life

Thanks Financial Dave.I really am planning on keeping 25 pct in stocks and hopefully I will still have a lot left when a turn 100 and at that time Iwill check back at the Boglehead forum for advice :D Stick around because I may need your help :)
by hoops777
Fri Sep 19, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 37
Views: 3793

Re: Proposed: 35% Maximum Bond Allocation, For Life

Thanks John.I bought some of the ten yr CD at Vanguard about 7 months ago at 3.4.I read a book last year by some bond gurus who invest 100 % in high quality muni and treasuries....no stocks.You got to have a few bucks to live off of that portfolio.
by hoops777
Thu Sep 18, 2014 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 37
Views: 3793

Re: What evidence would prove the Boglehead mentality wrong?

Bogleheads is like choosing to eat a healthy balanced diet,walk everyday and not smoke.It is sensible but not innovative or cutting edge.It is best for the vast majority of people.It is boring but gives most people the best chance for success.
by hoops777
Thu Sep 18, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 15292

Re: Proposed: 35% Maximum Bond Allocation, For Life

Just out of curiosity....what if a person retired at 65 and had a 100 pct intermediate bond portfolio of 1 million and planned on withdrawing the 2.3 pct for 30 years and whatever is left goes to the kids.How much would be left at the end....easy to guess :D best and worst case.
by hoops777
Thu Sep 18, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 37
Views: 3793

Re: Financial Psychology - Mind Over Money

Just a thought....Financial advisors are human and have biases and emotions.The argument that they will not have any of the emotional problems managing your acct because it is not their personal money kind of bothers me.I would actually feel more emotion managing other peoples money.
by hoops777
Thu Sep 18, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 78
Views: 4177

Re: Financial Psychology - Mind Over Money

I believe I read that someone said people invest in individual stocks knowing that they will underperform the index?Maybe everybody else's individual stocks but certainly not mine :happy Seriously,maybe I misinterpreted something,but I think people invest in individual stocks because they believe th...
by hoops777
Tue Sep 16, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 78
Views: 4177

Re: Roth stock/bond allocation

Yes that is the plan.Hopefully we will never touch the Roths or Ibonds.If something happens and I cannot keep working until I am 70 or more in my small business as planned :oops: there are a lot of unknowns that can alter even the best laid plans :D I have decided to be in protection mode,thus the l...
by hoops777
Tue Sep 16, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Roth stock/bond allocation
Replies: 8
Views: 682

Re: Roth stock/bond allocation

My thinking is that the money in the Roths will be there hopefully 25 years or so and we will probably never need to withdraw from them,so it makes sense to go with stocks.If at some point they have massive gains we can always change the allocation.I do understand your point but we are looking at th...
by hoops777
Tue Sep 16, 2014 9:56 am
 
Forum: Investing - Theory, News & General
Topic: Roth stock/bond allocation
Replies: 8
Views: 682

Re: Roth stock/bond allocation

Thanks
by hoops777
Mon Sep 15, 2014 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: Roth stock/bond allocation
Replies: 8
Views: 682

Roth stock/bond allocation

Going forward at age 62 I have settled on a stock allocation of 25 pct.We currently have about 70k in our 2 Roths combined and will contribute another 35,000 the next 3 years which will give us about 100k depending on the market.My question is .....our total invested in stocks will be about 300 to 3...
by hoops777
Mon Sep 15, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Roth stock/bond allocation
Replies: 8
Views: 682

Re: How much value can an advisor add for the average invest

People on this forum are very comfortable with investing and can be a little bit removed from how someone with no experience or interest in it can feel.The total market or the SP500 can be like a foreign language to some people.When you add the stress of actually taking their money and investing it ...
by hoops777
Sun Sep 14, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 5013

Re: Individual Stocks

Curious if anyone invests in utilities for income.Keep getting ads from Roger Conrad and his Utilities or essential services newsletter.Actually has a good long term track record.I do not know if the dividends from Utilities are more secure compared to regular stocks if one was taking the dividends ...
by hoops777
Fri Sep 12, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 46
Views: 3275

Re: housing market - houston

Maybe it is not a bubble...just houses at all time highs selling for well over asking price.Like everything else,everyplace is not in the same situation.Realtors hard sell the low interest rates that lower payments,but you are still paying maybe 800,000 to 900,000 in calif for a house that was 600,0...
by hoops777
Thu Sep 11, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: housing market - houston
Replies: 15
Views: 805

Re: Why COULDN'T we just retire on Social Security?

OP....Focus on what you really need to worry about.There is no way anyone can answer that question.There are so many variables and possible life changing events that can and will occur.If you were smart you would plan your retirement not expecting any SS.I cannot guarantee you it will still be there...
by hoops777
Thu Sep 11, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 6057

Re: housing market - houston

Welcome to the 2014 real estate market.Prices are in a bubble and rents are up.Be thankful it is Houston.....if it was Calif prices would be 65pct higher in a comparable area.
by hoops777
Thu Sep 11, 2014 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: housing market - houston
Replies: 15
Views: 805

Re: Anyone use Legal Zoom for LivingTrust?

We have 2 sons.....they get everything 50-50.There is nothing to fight over.It is as simple as it gets.Artsdoc you have made excellent points but you keep reverting back to complex situations which do not pertain to us.If things at some point get complicated we can always make some changes and hire ...
by hoops777
Wed Sep 10, 2014 12:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 5093

Re: Anyone use Legal Zoom for LivingTrust?

You of course have to understand your individual states laws.
by hoops777
Tue Sep 09, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 5093

Re: Anyone use Legal Zoom for LivingTrust?

Thanks muddlehead...really appreciate it.Sounds like our situations are almost identical with the exception of your estate being quite a bit larger :happy The only thing seperate from Vanguard and our bank would be our Ibonds.I forgot to mention those....
by hoops777
Tue Sep 09, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 5093

Re: Anyone use Legal Zoom for LivingTrust?

Muddlehead....I am still here....can't check out until my trust is done :happy
by hoops777
Tue Sep 09, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 5093
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