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Re: Safe Withdrawl Rate

BigJohn Thanks for your reply. You make a good point. My budget does include a fair amount of discretionary spending that could be eliminated (i.e. private country club membership and $20,000 plus per year for travel). What would your suggestions be to make certain we don't deplete our principal? W...
by inbox788
Thu Sep 18, 2014 1:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2117

Re: iOS 8 on iPad 2

I just updated my iPad 2 from iOS 6 to iOS 7 last week. I didn't want to be stuck in iOS 6 and didn't want to chance iOS 8 problems. iOS 7 on iPhone 4 initially was problematic, but later updates made it usable. I suspect that's the best to expect from iOS 8 on older machines like iPad 2, iPad mini ...
by inbox788
Wed Sep 17, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 508

Re: Merrill Edge free trades - is the service worth it?

I think it's their way to get you in the door so they can sell you their other more profitable services.
by inbox788
Tue Sep 16, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge free trades - is the service worth it?
Replies: 20
Views: 1080

Re: fee reinvested dividends

AFAIK, it is. Taxes is a customer responsibility, so it's up to you and your accountant to make the determination. There may be specific situations where it's not, and the brokerage doesn't want to deal with it.
by inbox788
Tue Sep 16, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: fee reinvested dividends
Replies: 3
Views: 254

Re: Buying a bounce house for personal use?

The one you show is adequate for smaller kids and smaller parties. Reminds me I need to get rid of mine that I haven't used for several years now and it's just gathering dust in the garage. I got more than enough use to justify the price paid, but the kids started getting bored with it as they got o...
by inbox788
Tue Sep 16, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 19
Views: 1161

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

I've not owned a Lexus, so don't really know much about the maintenance costs, except that I ran into a couple who had just purchased a new Acura RDX I was asking them about. They were former Lexus owners who liked their vehicles but were tired of the $80 oil changes and other expensive maintenance...
by inbox788
Mon Sep 15, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 48
Views: 2463

Re: Investing in Startup My Father Is Joining as Founder

He is only going to invest a little because his shares are worth so much more than any amount he would be willing to invest Depends on the relationship. Sounds like he's all business. I assume you're buying in expecting a big win like a lottery ticket. If the business fails, you and your dad are ou...
by inbox788
Mon Sep 15, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in Startup My Father Is Joining as Founder
Replies: 11
Views: 1099

Re: New Laptop, need help

My current laptop of 5 years just gave me the blue screen of death. We were expecting this day to come so we are in the market for a new laptop. Neither my wife or I are tech savvy and really dont know what to look at when it comes to computers. We would basically use this computer for word/excel, ...
by inbox788
Mon Sep 15, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 24
Views: 1358

Re: Can You Build Your Retirement Portfolio Young, then Coas

Most professional jobs require a decade to get established, the first half in education/training and the next half gaining experience. Often you're into the 30's or later when the salaries peak/plateau. Many professional athletes can! Unfortunately, there are too many stories of the opportunity squa...
by inbox788
Mon Sep 15, 2014 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 40
Views: 4357

Re: Car Advice: When to Replace?

From a financial perspective I agree with the Boglehead general advice to buy new or near new and drive it into the ground. But with all the safety advances, I really wonder if those who can afford a new car are being pennywise and poundfoolish. There may indeed come a plateau with advances in safe...
by inbox788
Sun Sep 14, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Car Advice: When to Replace?
Replies: 37
Views: 2611

Re: Is my computer monitor going bad?

Sounds like bad capacitors, probably the power supply to the monitor. Try this. Turn off or unplug the monitor power. Turn on the computer and wait about 2 minutes to fully boot. Now turn on the monitor. Does the green light still do the flickering thing? If so, then likely monitor. If the monitor h...
by inbox788
Sun Sep 14, 2014 4:25 am
 
Forum: Personal Consumer Issues
Topic: Is my computer monitor going bad?
Replies: 12
Views: 682

Re: Investing $100

$20 in VBMFX, $64 in VTSMX and $16 in VGTSX

and keep doing this for every next $100 you get for a while until either you're in 6 or 7 digits, or retire.
by inbox788
Sat Sep 13, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $100
Replies: 15
Views: 1773

Re: Need advice on which tablet to buy

Thanks for all the responses. In response to what is driving the need for a new device , nothing urgent, but: 1. Ipad won't run ios7 which many apps I like seem to need 2. Chrome browser and other apps frequently crash on current ios (not sure which one, i think maybe 5.1) But, maybe I should just ...
by inbox788
Fri Sep 12, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2345

Re: Need advice on which tablet to buy

What is driving the need for a new tablet? My question exactly. The original iPad still does many of the things you describe quite well, especially compared to low end 7" tablets. I'm a fan of iPads, and have yet to find a better value for my uses. As a point of comparison, let me throw these ...
by inbox788
Fri Sep 12, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2345

Re: Republic Wireless service in L.A. County area

My experience is San Diego, Orange County, and some LA. Service is good. Sometimes the 3G is very slow, but not often. I do outside sales in OC, so I use the navigation constantly and rarely have blips. I can't speak to the more Northern parts of LA, but up into Samo I have had few problems. Note: ...
by inbox788
Wed Sep 10, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Republic Wireless service in L.A. County area
Replies: 7
Views: 679

Re: Why did REITs drop today?

Interest rates rose somewhat, and REITs generally fall when that happens. That makes sense. Sometimes, though not others. But probably does in this instance. http://finance.yahoo.com/q/bc?t=1y&s=%5ETNX&l=on&z=l&q=l&c=vnq&ql=1 http://www.investopedia.com/articles/04/110304.asp
by inbox788
Wed Sep 10, 2014 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 3938

Re: Citi: Just use leverage for 10% bond returns

Pay attention to exactly what the analyst says and what the reporter says. Analyst is simply providing his analysis on historical performance and doing some projection calculations. The reporter is not clearly reporting, and any use or misuse of the information a reader infers from this analysis is ...
by inbox788
Wed Sep 10, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: Citi: Just use leverage for 10% bond returns
Replies: 28
Views: 2861

Re: Repair/maintain the BMW or get a new car?

I'm in the same boat, with an older car, low mileage, but expensive maintenance due. Just got a $300 repair to give me a nudge towards getting rid of it, but I think I can fix it myself for less than half that. Not having a monthly payment (or equivalent expense in depreciation) is still very appeal...
by inbox788
Tue Sep 09, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2071

Re: Poll: Which iPhone 6?

Neither, my iPhone 5 will have to die before I get a new phone. That should be quite a while. Then I will see what is available. Just upgraded an iPhone 4 to latest iOS 7.1.2. It's still quite usable. You might have to wait a while, about 2 years after the iPhone 4 croaks...or you could trade up be...
by inbox788
Tue Sep 09, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 2960

Re: Poll: Which iPhone 6?

I don't care for the bigger size (weight, thickness) of the plus, but I'd like the longer battery life and optical image stabilization in the camera. Leaning towards the smaller of the two right now.
by inbox788
Tue Sep 09, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 2960

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

As I understand it Wellesley has a neutral 35/65 equity/fixed income allocation while Wellington has a neutral 65/35 equity/fixed income allocation. How would an investor who would like a neutral 50/50 equity/fixed income allocation, in the Wellesley/Wellington investment style, go about constructi...
by inbox788
Sun Sep 07, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5367

Re: Best use of tax-deferred space

Perhaps you should. See this somewhat contrarian blog post from white coat investor: http://whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ I have just started studying this, and one thing that was confusing me was this so called "contrarian" view vs. the wiki. http://www.bogleh...
by inbox788
Sun Sep 07, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best use of tax-deferred space
Replies: 14
Views: 1375

Re: What do you measure your AA against?

My ira/roth AA (3Fund): Total Bonds = Age - 10 total Intl = 25% total market = rest I measure my AA against the 3 common indexes: Dow, S&P500, Nasdaq I know that's comparing apples to oranges since the dow/S&p500 are large caps, and the Nasdaq is techs. and none have Bonds or Intl. but I ha...
by inbox788
Sun Sep 07, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you measure your AA against?
Replies: 20
Views: 1100

Re: [Helping someone] think like a rich person

Here's something to ponder. Waste is GOOD! Rich people can afford to waste money. I don't mean frivolously, but purposefully. Like things discussed here: What is worth spending more money on? http://www.bogleheads.org/forum/viewtopic.php?t=74130 Your time is limited so trade money for time and bette...
by inbox788
Sun Sep 07, 2014 1:32 am
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4143

Re: POLL : SP500 next : 1900 or 2200?

I don't know but I do care. I don't know but I do care - it could go down to 1900, it could go up to 2100 followed by 2200, only time will tell. Thanks for reading. What's the difference between ignorance and indifference? BTW, I may have added noise to voting, since I think I voted wrong. Is there...
by inbox788
Sat Sep 06, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: POLL : SP500 next : 1900 or 2200?
Replies: 14
Views: 943

Re: Vanguard Lost $50k

In the future, consider making non-identical transfer amounts so you can keep track of the transactions yourself. Right now, you don't know which transaction is having a problem. Sometime I add a penny or dollar to a transaction as a code so I can track things. $49,999 and $50,001 ends up the same i...
by inbox788
Sat Sep 06, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10687

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

Wellesley -35% FTSE High Dividend Yield Index. I usually associate FTSE with the LSE, but this is not it. Is this the one? http://www.ftse.com/Analytics/factsheets/Home/DownloadConstituentsWeights/?indexdetails=AWHDY There is a significant international component to this one that I'm not seeing in ...
by inbox788
Sat Sep 06, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5367

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

Pkcrafter makes a good point about the W's being so similar.I had actually thought about that.They are made up of the same or very similar stocks and bonds in different proportions.If I used both I was going to put Wellington in my our Roths because we will use those last if at all.I figure our Rot...
by inbox788
Sat Sep 06, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5367

Re: Graduating Debt-Free, or with Elite College Degree?

I would simply note that USA universities are so highly rated in the world that a very wide range of Schools have to be considered intellectually "elite" All rankings are suspect but if you claim some schools are elite you do have to rank them See for example http://www.shanghairanking.co...
by inbox788
Sat Sep 06, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Debt-Free, or with Elite College Degree?
Replies: 92
Views: 4808

Re: Own individual stocks? Advisor recommends 20% in blue ch

Dividend stocks provide increasing income year after year Really? For the SP500, it doesn't look that way between 2008-2012. Also, dipped between 1999-2004. http://www.multpl.com/s-p-500-dividend/table " According to Fidelity, on average during the past two decades, 9 percent of stocks with th...
by inbox788
Sat Sep 06, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Own individual stocks? Advisor recommends 20% in blue chips?
Replies: 38
Views: 2645

Re: need help with basic investing math

Yes, a little of everything. Your situation is probably worse than the great recession an even the great depression. Not that worst case scenarios couldn't happen again, but it hasn't happened that often that badly, and we don't expect it to. Just think, if you have cash and cash in the market, how ...
by inbox788
Sat Sep 06, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: need help with basic investing math
Replies: 18
Views: 1154

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

I did say slightly. In absolute terms, not a huge difference, but those expense fees are 3-4 times these: US SCHB 0.04% Bond SCHZ 0.06% Int SCHF 0.08% I think Schwab currently has the lowest cost 3 fund portfolio available. Net difference, if all performance is equal is about 1% over a decade. If I ...
by inbox788
Sat Sep 06, 2014 3:01 am
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5367

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

You can't go wrong with any of these, but I would avoid both because of the slightly higher expenses and go with a 3 fund myself.
by inbox788
Fri Sep 05, 2014 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5367

Re: "Student loan debt: How much is too much?"

If you have to ask, it's probably too much. But if you reach a point beyond too much, then you might have to resort to these extreme and not so extreme solutions. Ironically, if have too much debt and choose these solutions, you'd have an incentive to get further into debt (i.e. take another semeste...
by inbox788
Fri Sep 05, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Student loan debt: How much is too much?"
Replies: 6
Views: 1084

Re: So, when does a market timer get back in?

There are 2 scenarios when these market timers get back that I can identify. The first is a "pull back". The commentators are always talking about stocks that are too richly valued, and they'd own them if they were only 5% cheaper, so they wait for the stock to fall a bit to buy. Never min...
by inbox788
Fri Sep 05, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5499

Re: DIY Index Fund

A couple of things: - how about sharing some numbers? How much of which stock would you need to replicate the S&P500 right now? - why are tracking errors negligible while the 0.09% annual fees is a big deal? I'm not saying tracking errors are negligible. I'm also not saying 0.09% annual fees is...
by inbox788
Fri Sep 05, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: DIY Index Fund
Replies: 25
Views: 2264

Re: cell phone for kids

And when I call or text them, they had better answer! :). There's an app for that! http://www.forbes.com/sites/amitchowdhry/2014/08/20/the-ignore-no-more-app-forces-kids-to-call-back-their-parents/ We're in a new world of appropriate use of technology, and the rules keep changing, but sometimes, we...
by inbox788
Fri Sep 05, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: cell phone for kids
Replies: 25
Views: 1259

Re: DIY Index Fund

On a personal note there are about 50-75 stocks I would like to own more of, at this point however, I just don't have enough cash to take the appropriate positions in them. Why not? How much cash do you think it takes? Trading costs have come down dramatically, so that shouldn't be a factor. If you...
by inbox788
Fri Sep 05, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: DIY Index Fund
Replies: 25
Views: 2264

Re: Auto off-lease: Take an auto loan at 2.49% or buy outrig

Assuming short term you get 6% after tax vs 2.5% on 10k, that's a $350 statistical arbitrage. If you're diligent about investing the monthly payments you would have made, then that's half or same $350 on $20k used car. Is it worth the hassle for you to take a risk that might lose money? Is it worth ...
by inbox788
Fri Sep 05, 2014 3:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Auto off-lease: Take an auto loan at 2.49% or buy outright?
Replies: 13
Views: 1243

Re: cell phone for kids

Why? Most 9 year olds are with someone or somewhere with a phone. Are you looking for a dumb phone where she knows your number and can learn to dial. Or were you looking for a smartphone and use of texting and communication/social apps? If the latter, wait for the iPhone 6. Consider this as a starti...
by inbox788
Fri Sep 05, 2014 3:09 am
 
Forum: Personal Consumer Issues
Topic: cell phone for kids
Replies: 25
Views: 1259

Re: How do you keep your electricity bill low?

If you haven't already, change your light bulbs to CFL or LED. When we moved into our house last year I counted the light bulbs and was surprised how many there were, took a trip to IKEA and changed all of them to CFL (until the durability is proven, for which LED bulbs are not around long enough y...
by inbox788
Thu Sep 04, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9116

Re: Motif Investing - own the S&P500 for less

There are averages and there are averages. Yes, the mean return of a set of samples is expected to be the same as the return of the complete index. But the return of the median sample will be below the return of the complete index. In other words, the majority of investors who try to sample an inde...
by inbox788
Thu Sep 04, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 91
Views: 5285

Re: Jack Bogle on CNBC

Thanks for alerting me. Interesting observation of his that the dividend yield, P/E, etc. are about the same now as in 2006. Of course there are (at least) two ways to interpret that: 1) we're not in a bubble 2) we're in for a repeat of 2007-09 My interpretation is that valuation is comparable to 2...
by inbox788
Wed Sep 03, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 6
Views: 1315

Re: Motif Investing - own the S&P500 for less

You are still missing the skewness of returns. Since a large part of index gains comes from a small number of stocks, the majority of samples will underperform the complete index. Two things will reduce this effect. First, your sample of the index is small, so when you randomly hit one of these sma...
by inbox788
Wed Sep 03, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 91
Views: 5285

Re: How do you keep your electricity bill low?

Solar!

You're a prime candidate for solar with bills more than $200 and electric vehicle.

Talk your your neighbors who have solar systems. Walk around the neighborhood and you'll spot the signs or panels (some better ones hidden in the back). You'll save a lot of money and use more electricity.
by inbox788
Wed Sep 03, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9116

Re: Where to put emergency cash

I keep a rather substantial amount in Cap One 360 checking account. Not the best yield but it is convenient ,have had an account with them since the ING days. :happy https://home.capitalone360.com/online-checking-account Check the link for latest rates, but it's 0.8% for > $100k right now. I've had...
by inbox788
Wed Sep 03, 2014 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put emergency cash
Replies: 11
Views: 1313

Re: Debating whether to keep current vehicle or purchase ano

My views on cars has changed - I used to try to drive them into the ground and hold them for at least 10 years. I think I focused too much on saving money vs safety and comfort. I do own a 2004 Civic that my wife drives around town so I haven't changed completely. But, I recently bought a 2014 Suba...
by inbox788
Tue Sep 02, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 44
Views: 2384

Re: Eliminate small MF lots?

If one is able to type in a new post to the Bogleheads forum, then one can easily deal with small MF lots when it comes time to sell or TLH or whatever. It really is not hard nor something to worry about. Clearly, the OP has already been able to calculate the tax costs of doing this, so that also m...
by inbox788
Tue Sep 02, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eliminate small MF lots?
Replies: 16
Views: 1127

Re: DIY Index Fund

Why would anyone want to do this? The last 15 years the Vanguard Total Stock Market Index Admiral share class has lagged the Wilshire 5000 by 0.02% per year. They have even outperformed it in the 10 and 5 year periods. It seems worth the small expense ratio to me. To save on the expense fee of cour...
by inbox788
Mon Sep 01, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: DIY Index Fund
Replies: 25
Views: 2264
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