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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: 28
Views: 1544

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: 5
Views: 830

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: 2172

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: 14
Views: 2657

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: 3766

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: 4435

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: 3753

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: 3753

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: 3753

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: 3753

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: 3753

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: 3753

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: 1459

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: 3765

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: 3765

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: 109
Views: 7631

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: 3765

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: 77
Views: 3607

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: 77
Views: 3607

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: 675

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: 675

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: 675

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: 675

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: 4732

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: 3229

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: 787

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: 6022

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: 787

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: 4954

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: 4954

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: 4954

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: 4954

Re: What pct of stocks is needed to offer decent inflation p

Thanks Bob....great post.Thanks again dbr.My own belief going forward was to be no more than 20-25 pct stocks to pass the sleep at night test.I feel confident in my plan and realize it is not what most would do but it is good for my situation.If pen fed comes out with another great 5 yr cd this Dece...
by hoops777
Tue Sep 09, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2021

Re: What pct of stocks is needed to offer decent inflation p

Thanks dbr.I want to preserve capital until I quit working.I have no need for any withdrawals now.I appreciate your time.I know this was probably not the right forum for the post you just addressed.
by hoops777
Tue Sep 09, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2021

Re: What pct of stocks is needed to offer decent inflation p

Well....I was criticized for not providing more info about my plan,so I provided more info.I guess maybe too much info .Once I started I just kept going :oops:
by hoops777
Mon Sep 08, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2021

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Thanks Ydnal and thanks to everyone for their responses.
by hoops777
Mon Sep 08, 2014 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Ok....I understand what you are saying.Just out of curiosity,what do you think of the W's?
by hoops777
Mon Sep 08, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Ping Pong was never my best sport :D Ydnal I do not understand how mixing the W's with a balanced index would not be more diversified.I understand the stocks and bonds in the W's would be overweighted but all of the additional stocks and bonds the index adds does not create a more diverse portfolio?...
by hoops777
Mon Sep 08, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: Anyone use Legal Zoom for LivingTrust?

Thank you Kevin.Your response is much appreciated.
by hoops777
Mon Sep 08, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4954

Re: Anyone use Legal Zoom for LivingTrust?

Thank you.Our kids are grown so not an issue.
by hoops777
Mon Sep 08, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4954

Re: Anyone use Legal Zoom for LivingTrust?

This TOD has really confused me....So I die she gets my IRA and when she dies she can leave it 50/50 to our 2 kids.No TOD needed...just the 2 kids listed as beneficiaries.That was what I thought initially and someone got me hung up on this TOD thing.Then all I have to worry about is the house which ...
by hoops777
Mon Sep 08, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4954

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Ydnal....Going 25 % in all 4 would create a lot more diversity.You would get the market return on half and whatever the W's give you on the other half.Seems reasonable to me for someone who believes in the W's or for whatever reason wants something beyond straight indexing.The argument that does con...
by hoops777
Mon Sep 08, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: Anyone use Legal Zoom for LivingTrust?

If I die my wife inherits my IRA but since it is still a retirement account Vanguard does not allow a TOD or am I totally confused now.
by hoops777
Mon Sep 08, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4954

Re: What pct of stocks is needed to offer decent inflation p

Wow.....thanks for all of the thoughtful comments,suggestions and questions.I apologize for not being more precise,but was not expecting the responses to be at the level they are.I have read a lot of articles and posts about inflation being a huge problem that many underestimate and I am trying to c...
by hoops777
Mon Sep 08, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2021

Re: What pct of stocks is needed to offer decent inflation p

I have read a thousand posts about needing stocks to help to keep up with inflation........my goal is preservation of capital with some growth and keeping it as simple as possible.Not interested in buying a lot of tips.I was thinking of something like half in Wellesley,Wellington and a balanced inde...
by hoops777
Sun Sep 07, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2021

What pct of stocks is needed to offer decent inflation prote

For simplicity.....You have a 1 million dollar portfolio of stocks and bonds.What is the minimum amount of stocks needed to offer some decent inflation protection for the next 25 years.
For less simplicity.....how does that number change if you have 150,000 in Ibonds in addition to the million?
by hoops777
Sun Sep 07, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2021

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Investing is so great.So the W's have historically outperformed the indexes by a small margin.Going forward they may or may not continue their outperformance,but either way it will be close.So no matter which path we choose the difference should be slight but we do not have any guarantee of the resu...
by hoops777
Sun Sep 07, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: What Do You Eat For Snacks?

Livesoft...blueberries are never out of season....buy frozen.Costco always has them.I put what I need for breakfast in the fridge overnight so they are thawed in the a.m.I eat them every a.m.which accounts for my investing prowess :D
by hoops777
Sun Sep 07, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 8938

Re: Principal Protection

I would second the CD's.If CD 's properly invested by FDIC limits do not work,what is safer that has some guaranteed return?
by hoops777
Sun Sep 07, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal Protection
Replies: 44
Views: 2047
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