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Re: If long-term, why not just go really high risk?

Ironically enough, my parents bought me a mutual fund over 50 years ago (UNSCX), when I was 21 (I'm now 67, pushing 68). I suspect I'm the closest Boglehead you have to a representative sample. Whether I would have done better in a CD ladder, or something else, well, I'll leave that to others. I do ...
by john94549
Thu Apr 02, 2015 12:02 am
 
Forum: Investing - Theory, News & General
Topic: If long-term, why not just go really high risk?
Replies: 6
Views: 400

Norwesco water tanks

We are attempting to shift as much outdoor watering to re-cycled water as possible. To that end, we are looking at Norwesco above-ground water tanks. The concept would be to have the local water re-cycle truck pull up to our house every week or so, fill the tank with re-cycled water, and water witho...
by john94549
Wed Apr 01, 2015 11:08 pm
 
Forum: Personal Consumer Issues
Topic: Norwesco water tanks
Replies: 0
Views: 45

Re: Deferring SS & IRA distributions until 70 & future taxes

We will also be saying aloha to the 15% marginal bracket at 70.
by john94549
Mon Mar 30, 2015 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Deferring SS & IRA distributions until 70 & future taxes?
Replies: 9
Views: 577

Re: Smartest Financial Move You Ever Made

Embarking on a program, about a decade ago, to set aside enough in a CD ladder to fund our first fifteen years or so of retirement (aside from other sources of income). We're 67, pushing 68, and plan to start tapping those CDs at 70. Our balanced funds, and other stocks and bonds, well they can wait...
by john94549
Sun Mar 29, 2015 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 12977

Re: WSJ Delivery Record - Dismal

Our print newspapers have (wisely) consolidated all deliveries. Whether it be the Chronicle, WSJ, or NYT, it's all the same delivery person. I don't know who they choose, but our local service is excellent. I do know I had a real problem with delivery some time back, and called the NYT directly. The...
by john94549
Sun Mar 29, 2015 8:16 pm
 
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 25
Views: 1869

Re: Best Way to Visualize Compounding

I might take exception to your basic assumptions. For example, "investing" entails risk, and does not guarantee anything, much less compounding. As to "cash", a prudently-maintained CD ladder (say, of 5-yr CDs) both compounds (if retail) and bests inflation, at least at today's r...
by john94549
Sun Mar 29, 2015 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Best Way to Visualize Compounding
Replies: 40
Views: 3210

Re: Sector ETFs instead of VTI

I would answer in order: (a) yes; (b) no; (c) yes.
by john94549
Sat Mar 28, 2015 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sector ETFs instead of VTI
Replies: 5
Views: 444

Re: 'Work from Home' Opportunities..?

(She) has started some online page where people can go and buy products through her link. Let us know how this might work. Assuming a prospective purchaser actually does (a) find her page, then (b) clicks on her link, which (c) directs the prospective purchaser to the actual seller, who (d) actuall...
by john94549
Sat Mar 28, 2015 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: 'Work from Home' Opportunities..?
Replies: 20
Views: 2187

Re: Going over gift tax limits

It really takes some effort (and considerable wealth) to exceed the lifetime exclusion. I doubt that hunting down non-filers among those who gift modestly above the threshold is high on the IRS's priorities. I suspect the IRS has a fair idea of the extremely tiny percent of the mega-rich who should ...
by john94549
Wed Mar 25, 2015 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Going over gift tax limits
Replies: 20
Views: 1640

Re: SPIA: Northwestern Mutual vs New York Life

My Mom had an annuity with NWM. Excellent service, if that matters.
by john94549
Wed Mar 25, 2015 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: SPIA: Northwestern Mutual vs New York Life
Replies: 17
Views: 1375

Re: Anyone concerned about their bond holdings?

As one with the vast majority of fixed-income in CDs, I would welcome any rate hike.
by john94549
Sat Mar 21, 2015 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5718

Re: Rising Interest Rates and Vanguard's Prime Money Market

By-and-large, you will do much better in a garden-variety savings account.
by john94549
Sat Mar 21, 2015 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rising Interest Rates and Vanguard's Prime Money Market
Replies: 3
Views: 661

Re: How is VTIAX performing?

SpringMan, if "up" 5.69% year-to-date doesn't get an "A", what might?
by john94549
Sat Mar 21, 2015 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing?
Replies: 18
Views: 1841

Re: How is VTIAX performing?

Last I checked, VTIAX was up year-to-date 5.69%. Better than a poke in the eye, might I say. By far, it's my best-performing fund this year.
by john94549
Sat Mar 21, 2015 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing?
Replies: 18
Views: 1841

Re: Dip? What Dip? Did you catch it?

I don't "invest" in SPXU. I just trade in it. So that is your 5% mad money fooling around money? Correct. Just a few pennies here and there, but when multiplied by enough zeros, it gets fun. Certainly is cheaper than driving to the closest casino. And, might I say, casinos don't have &quo...
by john94549
Sat Mar 21, 2015 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11759

Re: Dip? What Dip? Did you catch it?

I don't "invest" in SPXU. I just trade in it. It is extremely volatile, which is good, and also has high volume. It is, literally, a "day trade". Odds are pretty good, when Mr. Market is on a roll, SPXU will go up and down, and up and down. Worst time for SPXU is when Mr. Market ...
by john94549
Fri Mar 20, 2015 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11759

Re: Dip? What Dip? Did you catch it?

Seriously, 700 X .08 = $ 56 minus commissions (roughly twenty), and it's beer money. Thank you kindly.
by john94549
Fri Mar 20, 2015 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11759

Re: Dip? What Dip? Did you catch it?

This morning, bought at 34, sold at 34.08. 700 shares. SPXU, check it out. Got out when the getting was good. OK, after in and out commissions, basically beer money.
by john94549
Fri Mar 20, 2015 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11759

Re: Why Funds Over ETFs?

OK, we need to put our tin-foil hats on, but I actually reported a gambling gain (and a gambling loss). Ironically enough, the dang casino actually insisted on my SSN before they paid out the slot winning. Yup, you betcha, got a 1099.
by john94549
Thu Mar 19, 2015 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 5364

Re: Dip? What Dip? Did you catch it?

Is it spelled "brocolli" or "broccoli"? In the picture, lower right.

"brawk-o-lee"
by john94549
Thu Mar 19, 2015 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11759

Re: Dip? What Dip? Did you catch it?

Might I say, looks yummy.
by john94549
Thu Mar 19, 2015 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11759

Re: Dip? What Dip? Did you catch it?

It is weird. My Schwab is up. Seriously, when Mr. Market is waaaaay up, should we buy a chunk of SPXU?

Done twice, might I add.
by john94549
Thu Mar 19, 2015 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11759

Re: Dip? What Dip? Did you catch it?

Cleared. Filled at 35.

Too weird. Up the down ladder.

Can't be this simple to beat the algorithms. Or is it?

OMG, could this be a Boglehead trading strategy?
by john94549
Thu Mar 19, 2015 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11759

Re: Dip? What Dip? Did you catch it?

Bought another 1000 shares of SPXU yesterday, right before the close. 34.59. Set a limit at 35. Testing my theory. I suspect the computers just instinctively revert after a huge day. Stated another way, it's just magnitude.

OK, so far.
by john94549
Thu Mar 19, 2015 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11759

Re: Why Funds Over ETFs?

It's somewhat linked to behavioral economics. One can "trade" VTI. One cannot "trade" VTSAX. The odds that one will flip in, and out, of VTI (to one's detriment) are much greater than the odds of flipping in and out of VTSAX. Stated another way, one's "real money" shou...
by john94549
Thu Mar 19, 2015 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 5364

Re: ER: VTSAX vs. VBIAX

Thanks to all. I know it's pennies before the proverbial steamroller, but, hey, basis points count, and all that.

I don't have a huge amount left in VBIAX (basically a legacy fund from days gone bye-bye). But the $60K+ could be deployed more efficiently, as folks have shown.
by john94549
Wed Mar 18, 2015 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: ER: VTSAX vs. VBIAX
Replies: 12
Views: 1071

Re: ER: VTSAX vs. VBIAX

OK, if I'm following all correctly, I should multiply my VBIAX holding by .6 (and move that to VTSAX) and by .4 (and move that to VBTLX), then re-balance periodically. Right?

I'm assuming there's no Admiral equivalent to VBTLX.

And, yes, these are all tax-deferred funds.
by john94549
Wed Mar 18, 2015 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: ER: VTSAX vs. VBIAX
Replies: 12
Views: 1071

Re: ER: VTSAX vs. VBIAX

So, if I understand, it might be more cost-effective to buy VTSAX as a stand-alone fund (ER .05) and VBTLX as a stand-alone fund (ER .08), than to buy VBIAX (ER .09). Oddly enough, each component of VBIAX has an ER lower than the ER of the fund itself.

I never noticed this before.
by john94549
Wed Mar 18, 2015 5:56 am
 
Forum: Investing - Help with Personal Investments
Topic: ER: VTSAX vs. VBIAX
Replies: 12
Views: 1071

Re: ER: VTSAX vs. VBIAX

Thank you kindly. Not sure I understand, but I'm glad someone does.
by john94549
Tue Mar 17, 2015 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: ER: VTSAX vs. VBIAX
Replies: 12
Views: 1071

ER: VTSAX vs. VBIAX

Just curious if anyone noticed that the ER on VTSAX (at .05) was considerably lower than VBIAX (.09) and also wondered why? Not that I'm complaining, mind you. Just seems odd.
by john94549
Tue Mar 17, 2015 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: ER: VTSAX vs. VBIAX
Replies: 12
Views: 1071

Re: Bernstein: 2% investment returns over next 20 years

Inasmuch as Dr. B. didn't elaborate on the assumptions underlying his predictions (anybody else notice?), we're left to our own devices.
by john94549
Tue Mar 17, 2015 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22928

Re: Is Now a Good Time to Decrease Stock Index Allocation?

Absolutely, as another poster said "dial back your equities." In one's mid-40s, it really is time to consider "taking some off the table". Perhaps shifting some modest percentage to a CD ladder? Go "age-in-bonds"? Stuff it all in VBIAX? All else considered, VBIAX seems ...
by john94549
Tue Mar 17, 2015 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good Time to Decrease Stock Index Allocation?
Replies: 9
Views: 1523

Re: Why Funds Over ETFs?

It's somewhat linked to behavioral economics. One can "trade" VTI. One cannot "trade" VTSAX. The odds that one will flip in, and out, of VTI (to one's detriment) are much greater than the odds of flipping in and out of VTSAX. Stated another way, one's "real money" shoul...
by john94549
Tue Mar 17, 2015 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 5364

Re: Varying levels of security

Great suggestion; had not thought of just printing it out. That said, it still amazes me that Vanguard's security hasn't been adopted more widely. For example, the "call back". Last time I went to withdraw some money from one of my Vanguard accounts, the first question was: "are you a...
by john94549
Tue Mar 17, 2015 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Varying levels of security
Replies: 6
Views: 810

Re: Do you still use currency or have you gone all-plastic?

My wife handles most purchases. In the odd occasion I actually buy something, I use cash. Gas at the local Shell station, cash. Your local 7-11, cash. Never thought about it. Might be I'm the only one in our family who ever uses cash.
by john94549
Tue Mar 17, 2015 4:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3211

Re: Definition of financial independence?

We came at it from a different direction, i.e., having enough in IRA CDs to fund the first 15 years of retirement (age 70 - 85), above-and-beyond other income sources. We'll need to tap our other "stuff" (balanced funds in TIRAs, after-tax CDs, etc.) if and only if, the IRA CDs run out. Bo...
by john94549
Tue Mar 17, 2015 4:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Definition of financial independence?
Replies: 52
Views: 4847

Re: Should I sell my rental property?

Have you checked with your CPA? Do you have a negative on line 17, Form 1040? Have you wrapped your arms around Form 8582? Do you have children (read: step-up in basis)? Many reasons NOT to sell rental property without proper advice. One oft-ignored exception to re-capture is leaving the property to...
by john94549
Tue Mar 17, 2015 4:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I sell my rental property?
Replies: 6
Views: 762

Re: Best investment in a deflationary scenario

Anyway you slice it or dice it, those CDs you laddered will do well. That said, I don't think the Fed will let us slide into deflation. As they can print money, as it were.
by john94549
Tue Mar 17, 2015 3:52 am
 
Forum: Investing - Theory, News & General
Topic: Best investment in a deflationary scenario
Replies: 11
Views: 1311

Re: 401k contribution percentage

I might consider posing this question to your accounting department. My wife is able to contribute her max with catch-up (24%) via a little button on the plan website.
by john94549
Tue Mar 17, 2015 3:38 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k contribution percentage
Replies: 10
Views: 1131

Re: Varying levels of security

Can't you go paperless? I could, but I want a paper trail for my wife and/or kids. In addition, as the W+R CSR noted, the password offers enhanced security for redemption requests, even if you elect "paperless". Of course, the irony is, now I've got to make sure the wife and kids have the...
by john94549
Tue Mar 17, 2015 2:38 am
 
Forum: Personal Consumer Issues
Topic: Varying levels of security
Replies: 6
Views: 810

Varying levels of security

Long story made short: our flimsy HOA mailboxes were broken into right after brokerage statements began to arrive. Our neighbor had one stolen, we had perhaps two. We've since installed heavier, and more secure, boxes. That said, I was unaware we had the brokerage statement theft until I went throug...
by john94549
Mon Mar 16, 2015 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Varying levels of security
Replies: 6
Views: 810

Re: 1099-DIV used Estate EIN instead of Decedent's SSN

I believe your CPA can move amounts assigned to one SSN to another. For example, an interest payment to a decedent to a trust, or an estate. Happens all the time. Call your/their CPA and ask.
by john94549
Mon Mar 16, 2015 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1099-DIV used Estate EIN instead of Decedent's SSN
Replies: 1
Views: 195

Re: NYTimes on benefits of passive investing

My actively-managed tech fund did quite well from end-of-year 2004 to date (see my recent post). Giving credit where credit is due, a 339.5% increase from end-of-tear 2004 to date is not too shabby. As I noted in the other thread, recent returns have not kept pace, but I'm hardly tempted to jump ship.
by john94549
Mon Mar 16, 2015 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: NYTimes on benefits of passive investing
Replies: 16
Views: 2881

Re: Chosing Mutual Funds: Indexed or Managed

In fact, if anything, past success might indicated a poor future -- it could be that a fund bet on the right asset classes, but reversion to the mean may cause yesterday's winners to fall back to the earth. So true, and I hold one such fund. Over the past ten years, it bet heavily on various tech s...
by john94549
Mon Mar 16, 2015 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chosing Mutual Funds: Indexed or Managed
Replies: 9
Views: 995

Re: Best Vanguard Short Term Bond Fund

no, no, no

Why do you keep trolling the boards?
by john94549
Fri Mar 13, 2015 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard Short Term Bond Fund
Replies: 11
Views: 855

Re: Fixed income alternatives?

My wife's 401K basically abolished its stable value fund a couple of years back.
by john94549
Fri Mar 13, 2015 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income alternatives?
Replies: 12
Views: 1361

Re: When will / did you claim Social Security benefits?

I voted "other" since our claiming strategy didn't fit easily into any "box". My wife and I are the same age, and she was the higher earner (by a tad). I claimed at 62, she filed for spousal at her FRA, and is deferring to 70. When she attains age 70, she will then claim in her o...
by john94549
Fri Mar 13, 2015 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 150
Views: 10954

Re: How to create a 3% return portfolio?

Our Maui condo is professionally managed, and has been for some 25 years. They do all the work, collect the rentals, take their cut, and send us our direct-deposit each month for the balance. Without getting too deep into details, suffice it to say the direct-deposit is quite fair. The return on inv...
by john94549
Fri Mar 13, 2015 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to create a 3% return portfolio?
Replies: 52
Views: 5480

Re: Dip? What Dip? Did you catch it?

I was completely under the impression that Livesoft was kidding and stringing people along so there could be a really long thread that would last for days while the market went up and down like a yo-yo. :happy I was just trying to figure out who are the real market timers on this forum. Those of us...
by john94549
Fri Mar 13, 2015 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11759

Re: Do bogleheads invest in a retirement home?

There is much to be said about purchasing a prospective retirement home well before one is on the cusp, as it were. We bought ours quite some time ago, back in 1990 (in our early 40's). We had stayed in other places in the vicinity, and in the complex, and decided "this works". That said, ...
by john94549
Fri Mar 13, 2015 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do bogleheads invest in a retirement home?
Replies: 19
Views: 2514
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