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Re: The article on tax efficient placement needs to be rewri

You can play with the numbers, but there's actually no way to get stocks to be advantageous in the taxable space unless you assume returns very close to bonds, which is a low probability event and not true over long periods. What is also not true over long periods of time is that bonds have yields ...
by letsgobobby
Wed Jul 23, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewritten
Replies: 5
Views: 144

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

My only hang up is Dodge reliability. I'm not unwilling to try it, but as an exclusively Toyota and Honda owner I wanted to get that first year report. Wow - this is surprising. I feel this is just accepted that you won't beat the reliability of Toyota or Honda. It seems like going with the Durango...
by letsgobobby
Wed Jul 23, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 58
Views: 4370

Re: P/E Ratio: How do YOU interpret/use it?

At current pe10 I am particularly likely to buy stocks in taxable. At lower pe10 I am more likely to buy stocks in 529. Basically I since the risk of loss increases as pe10 increases, I don't want to give up a possible future tax loss harvest.
by letsgobobby
Wed Jul 23, 2014 2:44 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1213

Re: 2 days in Portland, suggestions?

If you haven't already, worth watching an episode or two of Portlandia before you go. When people hear we are from (near) PDX, the first thing they always ask us is, 'Is it really like Portlandia?' Our answer is, "Yes, sometimes it is!"
by letsgobobby
Tue Jul 22, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 28
Views: 811

Re: 2 days in Portland, suggestions?

you can drive by Multnomah falls, but go about 10 miles further and do the hike to Wahclella falls or Eagle Creek/Punchbowl falls instead. Stroll Alberta, Hawthorne, Belmont, NW 23rd. Eat? anywhere. Drink - beer and wine. I think we're up to 40 breweries now, maybe more? If you're in town on a Satur...
by letsgobobby
Tue Jul 22, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 28
Views: 811

Re: 35K maximum retirement contribution a year for a person?

Are either of your plans available in a Roth version? That may be preferable if your taxable income is below 5 figures.
by letsgobobby
Tue Jul 22, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35K maximum retirement contribution a year for a person?
Replies: 16
Views: 1259

Re: Lost a lot in stocks and starting fresh: Please Help

I don't think your approach is all bad, it's very similar to the Dave Ramsey approach in that it requires only a tiny emergency fund first, then attack all debt. However, his plan would have you stop all retirement contributions and also be far more aggressive in lifestyle cutbacks to get where you ...
by letsgobobby
Tue Jul 22, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lost a lot in stocks and starting fresh: Please Help
Replies: 90
Views: 11568

Re: Establishing a dementia trust

This is governed by state law. In Washington state, and generally speaking, 'competency' is a legal determination, made by a judge or court. The court's findings depend on the evidence presented, which typically includes medical evaluations. These can get pretty nasty, if (for instance) an adult chi...
by letsgobobby
Tue Jul 22, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing a dementia trust
Replies: 8
Views: 711

Re: Thoughts on [not] rebalancing

If you were in 100% stocks, then what was there to rebalance? This is exactly the point. Rebalancing primarily refers to rebalancing between stocks and bonds. If you had no bonds, you had nothing to rebalance. You are 100% stocks and apparently happily so. I would just keeping whistling the happy s...
by letsgobobby
Tue Jul 22, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on [not] rebalancing
Replies: 12
Views: 612

Re: Reverse Savings Rates

Why not the best of both worlds? Just start out saving 50%, and increase from there.
by letsgobobby
Tue Jul 22, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Reverse Savings Rates
Replies: 3
Views: 698

Re: P/E Ratio: How do YOU interpret/use it?

I don't use PE, but at the extremes most measures of market value line up: PE10, B/M, Div yield, P/S, whatever. It's not hard to tell when the market is much more or less expensive than usual. If you want to do anything about it, that's a different story. At extremely high stock market valuations, I...
by letsgobobby
Tue Jul 22, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1213

Re: What to do in a market correction

That is the risk everyone underestimates, losing one's shirt (portfolio) and one's loom (job) at the same time. It's one thing to say you'll stay the course, it's another to actually have the guts to do it in the teeth of a brutal decline, and still another to have the actual ability (new money) to ...
by letsgobobby
Tue Jul 22, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 2972

Re: Beneficiaries

aptenodytes, as you say each situation is unique and of course you know yours best. I would only encourage everyone to think about these issues not as a matter of trust, but as a matter of risk. I also trust my wife 110%; however, even trustworthy people get into difficult straits sometimes, and oft...
by letsgobobby
Tue Jul 22, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries
Replies: 23
Views: 1229

Re: Beneficiaries

If you worry about your children then you should not leave everything to your wife. Creditors, including her future spouses, may lay claim to those assets you anticipate would go to your surviving children. Condon and Condon can be read as cautionary tale, campfire ghost story, or marketing schtick....
by letsgobobby
Tue Jul 22, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries
Replies: 23
Views: 1229

Re: Will baby boomers retiring spell doom for the markets

I still have concerns. While international investors might theoretically buy/support US equities, the fact is the world is aging just as rapidly as the United States, and in the developed world and China even more quickly. Western Europe, Japan, and China all have much uglier population pyramids tha...
by letsgobobby
Tue Jul 22, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Will baby boomers retiring spell doom for the markets
Replies: 34
Views: 2876

Re: Beneficiaries

Your imagination hasn't read Condon and Condon.

http://www.amazon.com/Beyond-Grave-revi ... 0060936312
by letsgobobby
Tue Jul 22, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries
Replies: 23
Views: 1229

Re: Beneficiaries

We also have young children and this is what we have done (brief outline). Approximately 1/2 of our estate is left to the surviving spouse in trust, from which he/she can withdraw earnings at will, or principle with the blessing of a corporate co-trustee. Upon surviving spouse's death, our children ...
by letsgobobby
Tue Jul 22, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries
Replies: 23
Views: 1229

Re: Beneficiaries

You keep saying you have enough to not need life insurance but that would be very unusual for a new parent. Are you sure? Does your sig other work?
by letsgobobby
Tue Jul 22, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries
Replies: 23
Views: 1229

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Hi, I haven't bought yet and not sure when we will. So close to the Durango but wanted to see a report on first year reliability. Also for us this is clearly a 'want' more than a 'need' and it's hard for me to justify the dollars on what is essentially a third vehicle. But maybe by the fall. For us ...
by letsgobobby
Tue Jul 22, 2014 12:37 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 58
Views: 4370

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

A few hundred in gas and insurance costs probably shouldn't be the deciding factor when exploring $40,000-$50,000 vehicles. Just my opinion. Maybe those factors could be a tiebreaker. For safety, reliability, cargo of your choices I would go Chevy traverse. Durango only if you want the towing and yo...
by letsgobobby
Mon Jul 21, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 58
Views: 4370

Re: Pay down (not off) mortgage?

letsgobobby: the way I see it, it's not as simple as comparing rates. good thoughts, let me address each point and see what you think. Imagine this: if the big one hits leading to loss of market & house values, and your job, you can sell fixed income investments to make monthly payments. Wherea...
by letsgobobby
Mon Jul 21, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 51
Views: 4334

Re: Pay down (not off) mortgage?

Wow, that sounds way too complicated for someone like me. I bet you could pull it off, however. Today I have an extra $X with no specific plans, and I am a little overweight stocks. I think that makes the decision pretty easy: with a time horizon of 1-5 years, there is no fixed income option I can b...
by letsgobobby
Mon Jul 21, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 51
Views: 4334

Re: If you own a car, do you have a car payment?

It's easy to conflate interest rate/price tradeoffs with one's ability to negotiate. I grant that others may have negotiated a better deal overall. However I felt I got the best deal I could on that day, it met my needs, and they financed it at 0% at the same price as if I had paid cash. Others have...
by letsgobobby
Sun Jul 20, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 106
Views: 5869

Re: If you own a car, do you have a car payment?

Trader Joe wrote:We own our vehicles outright. We only purchase vehicles 100% in cash. We never use loans and do not know anyone that does.

Vehicle loan make absolutely zero financial sense and are a major step on the road to financial ruin.


How about a vehicle loan at -1%? That can make a lot of sense.
by letsgobobby
Sun Jul 20, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 106
Views: 5869

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

Doc7, If one concluded that his AA was 'actually' 55/45, rather than 50/50, how would that impact his decision-making? Doc7: I don't even know my best asset-allocation within 5%. I make no adjustments for (unknown) future taxes. Strive for simplicity--not complexity. Best wishes. Taylor I agree with...
by letsgobobby
Sun Jul 20, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 76
Views: 3090

Re: Social Security Taxes?

Haven't thought much about including any SS benefits in my retirement planning. Never thought it would make much difference in my lifestyle if I planned appropriately. Always thought of it as some icing on the cake. When thinking about my retirement income I consider SS benefits as one element of m...
by letsgobobby
Sun Jul 20, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes?
Replies: 26
Views: 2251

Re: Faber: S&P 500 an Active Fund in Drag

Does the S&P500 (say as measured by VOO with its 5 basis points expense ratio) underperform the 500 largest stocks by market cap after adjusting for size and growth factors? I've always accepted that the S&P500 is not a pure index, but rather a managed group of stocks. One reason I disagree ...
by letsgobobby
Sun Jul 20, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Faber: S&P 500 an Active Fund in Drag
Replies: 45
Views: 3383

Re: What Book Are You Currently Reading? Part V

The Lowland, Jhumpa Lahiri (also author of Interpreter of Maladies, which won the Pulitzer Prize in 2000). This is a family drama over 3-4 generations, with the protagonist an Indian brother who eventually immigrates to the United States to continue his studies. I had mixed feelings about this book....
by letsgobobby
Sun Jul 20, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3098
Views: 992849

Re: AA for a spoiled young buck

I agree with the others that 98% stocks having not lived through a severe bear market is too aggressive. Unless you are a robot with an Excel spreadhseet you will be very glad to have 20-30% bonds the next time the market falls 50%+.
by letsgobobby
Sun Jul 20, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: AA for a spoiled young buck
Replies: 9
Views: 1678

Re: Stop Loss on stocks/ ETFs

After hitting your number why wait for stocks to go down to sell? Why not sell now?
by letsgobobby
Sun Jul 20, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Stop Loss on stocks/ ETFs
Replies: 12
Views: 873

Re: If you own a car, do you have a car payment?

Happily borrowed 100% at 0% after having negotiated price of car well below truecar suggested pricing even though I could have paid cash. Invested that money in a diversified portfolio which has returned about 25% in the interim. If that makes me a bad Boglehead then guilty as charged.
by letsgobobby
Sat Jul 19, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 106
Views: 5869

Re: What Book Are You Currently Reading? Part V

Earth abides by George stewart. Inspiration for Stephen king's The Stand. Better than the stand. Good for its genre but as literature only fair. Also just read American Pastoral, my first Phillip Roth novel. Thought it was excellent. He really understands the human male psyche or at least the Americ...
by letsgobobby
Sat Jul 19, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3098
Views: 992849

Re: Implementing Two-Factor Authentication for Fidelity Acco

The rep didn't say yes or no, he just sounded completely clueless. "Two what...?" Is there a department I should be talking to?
by letsgobobby
Sat Jul 19, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 35
Views: 8909

Re: Selling RV Abroad & Bringing Cash Home

How are they getting across the Darien gap? And yes, Argentina has serious currency controls in place (look into the blue rate). Darien gap was exactly my question! And I am glad your parents are safely through Mexico. http://www.cnn.com/2014/07/18/world/americas/missing-american-mexico/index.html?...
by letsgobobby
Sat Jul 19, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Selling RV Abroad & Bringing Cash Home
Replies: 23
Views: 2086

Re: HSA woes, former employer keeps contributing

You can withdraw excess contributions and their earnings from your HSA by the end of the year with no penalty. Your HSA administrator may charge you a small fee to do that. But you gotta get your employer to stop sending in contributions!
by letsgobobby
Fri Jul 18, 2014 11:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA woes, former employer keeps contributing
Replies: 11
Views: 1256

Re: Market Timing vs. Market Opportunity

These posts crack me up. Anytime it starts with, "I am totally against market timing..." you know that the poster, after much hand waving and explicating, is going to propose doing *exactly* that.
by letsgobobby
Fri Jul 18, 2014 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Market Timing vs. Market Opportunity
Replies: 46
Views: 2878

Re: Adding Corporates to Total Bond Market Index

I think those who oppose corporate bonds totally and suggest equities instead are off the mark. The Intermediate Investment Grade fund had a temporary dip in 2008 and more than recovered in 2009 when it far surpassed treasuries. I don't think that one should exclude a class of bonds based on such a...
by letsgobobby
Tue Jul 15, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 72
Views: 5627

Re: america the beautiful national parks and lands pass

You don't have an America the beautiful pass, lifetime or not. You have a Golden Age pass. $10 lifetime. If OP bought the pass recently, then it's an America The Beautiful Senior Pass which is $10 Lifetime. See this NPS page on America The Beautiful Passes: http://www.nps.gov/findapark/passes.htm N...
by letsgobobby
Tue Jul 15, 2014 1:00 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3534

Re: america the beautiful national parks and lands pass

it's the op again. I'm 67 and just bought a America the beautiful lifetime pass. thank you for all the wonderful responses and pictures. has anyone come across outdoor hot springs or mineral springs on your off the beaten path journeys? I live in beautiful new Hampshire. You don't have an America t...
by letsgobobby
Tue Jul 15, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3534

Re: vacation points program

Most programs have more demand than availability for the most desired places and dates, so preference goes to the home resort owners and or those who reserve exactly when the window opens. If you're willing to go off season or to less desirable locations you can almost certainly get a better deal ju...
by letsgobobby
Mon Jul 14, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: vacation points program
Replies: 18
Views: 1552

Re: vacation points program

It may be worth it if you want to use the same property at the same time every year.
by letsgobobby
Mon Jul 14, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: vacation points program
Replies: 18
Views: 1552

Re: Newbie whole life insurance policy question

You don't need the whole life, and you definitely don't need the advisor, who is not an advisor but a salesman.
by letsgobobby
Mon Jul 14, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie whole life insurance policy question
Replies: 30
Views: 2276

Re: A question for the Bogleladies or those who can consult

Soma for something affordable.

There are some very expensive European brands but if your lady is a boglehead she will think they are too expensive.
by letsgobobby
Mon Jul 14, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5132

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Generally I agree with Japanese reliability but functionality matters, too. For example the Durango and Traverse fill a size/function niche that no Japanese manufacturer can: a mid-size, 3 row crossover SUV with decent off road capability, highway mileage 20+, and the power to tow 5000-7000 pounds. ...
by letsgobobby
Mon Jul 14, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 58
Views: 4370

Re: In a crash, will you re-balance to maintain your target

The better question than "will" you rebalance in a crash is, "Did" you rebalance in the last crash? Actually, here's a list of possible spin off poll questions that have crossed my mind after reading Bogleheads this week: - If you are 100% invested in stocks, in what year did you...
by letsgobobby
Mon Jul 14, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4116

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

I agree with livesoft that for pure on-road, in-town use you might consider a used higher end option. I agree with bloom2708 that for just 2 kids, a bigger car isn't necessary... however if grandparents visit more often, etc., you will find the bigger space nice. Plus if you plan to camp much with t...
by letsgobobby
Mon Jul 14, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 58
Views: 4370

Re: Implementing Two-Factor Authentication for Fidelity Acco

So... do Fido and Vanguard both offer two factor to everyone? Is there a secret club one needs to join?
by letsgobobby
Mon Jul 14, 2014 3:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 35
Views: 8909

Re: america the beautiful national parks and lands pass

EmergDoc, I might, too, but that's a different discussion entirely. As is the adequacy of the funding, since while most parks funding comes from taxes, the NPS claims $11.5 billion in deferred maintenance on an annual budget of $2.2 billion. Anyone with deferred maintenance of 5 times their annual b...
by letsgobobby
Mon Jul 14, 2014 2:58 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3534

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

welcome back, I've researched all of these quite a bit and test driven all of them. Each has its pros/cons. At the end of the day you have to decide which feature(s) matter most to you because each vehicle has its strengths. The Highlander is all about reliability and civility. It's safe. It will la...
by letsgobobby
Mon Jul 14, 2014 2:19 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 58
Views: 4370

Re: america the beautiful national parks and lands pass

EmergDoc wrote:. However, my question is what you think I should do about my next two visits to a National Park.


I think you should buy an America the Beautiful Pass. :sharebeer

http://www.nps.gov/grte/planyourvisit/f ... ations.htm
by letsgobobby
Mon Jul 14, 2014 1:17 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3534
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