Search found 845 matches

by rai
Tue Jul 28, 2015 6:01 pm
Forum: Investing - Theory, News & General
Topic: Apple individual stock, what am I missing here?
Replies: 55
Views: 3904

Re: Apple individual stock, what am I missing here?

This may be a small (minor) facet, but some people may be over weight in Apple, this would be the case with most insiders. For example if you are an AAPL exec and you got 50k shares or $50M shares in your pocket, you may indeed think it's a cheap price but you probably should sell some or at least n...
by rai
Tue Jul 28, 2015 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Would umbrella insurance cover this?
Replies: 3
Views: 737

Re: Would umbrella insurance cover this?

Umbrella insurance is very cheap for the dollars it covers. I'd recommend to all especially if you have a large net worth or assets or future earning potential. One thing to be aware of, (at least was my experience) you need to have the full maximum liability on your auto policy such as $300k/$600k ...
by rai
Thu Jul 23, 2015 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Balance between saving in taxable account and retirement account? (mega backdoor version)
Replies: 13
Views: 1523

Re: Balance between saving in taxable account and retirement account? (mega backdoor version)

I'd say, for myself. There is never enough allowable room in my tax shelter, meaning if I could put more money in I would. So the excess money is put into taxable account by default. I have been able to save more in quasi tax shelter that is 529 plan for kids. But I don't want to over save in the 52...
by rai
Sat Jul 18, 2015 4:24 pm
Forum: Investing - Theory, News & General
Topic: Taxes when selling reinvested dividends
Replies: 13
Views: 1301

Re: Taxes when selling reinvested dividends

TwoByFour wrote:Personally, I avoid the whole mess by not reinvesting dividends in a taxable account.

Me too. I just drop all the dividends into a common pool and buy a round number of shares of whatever I'm underweight in.
by rai
Sat Jul 18, 2015 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 37
Views: 6540

Re: A retiree's personal experience...

But I still expect the result to be the same - a portfolio cannot grow if you are spending part of it and the market is crashing. So I will expect the recovery to be very slow - at least a couple of years after accumulators say "I'm back!" And I suppose that is all OK. :happy not much to ...
by rai
Sat Jul 18, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 37
Views: 6540

Re: A retiree's personal experience...

We both have been collecting SS since turning 62 and have been withdrawing 4-5% from our 50/50 AA portfolio since I retired. Our portfolio remains up roughly 10% overall since I retired. I guess history would say I am much better off starting retirement in a bull market than in a bear market.....so...
by rai
Sat Jul 18, 2015 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 37
Views: 6540

Re: A retiree's personal experience...

To retiredjg, anything obvious you would have done differently? I don't mean looking backwards and rebalance all to stock after the crash. But something such as had 1-2 years of spending in one bucket (cash or short term bonds or CDs) and not sold any stocks as the marked turned south?
by rai
Sun Jun 21, 2015 1:21 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24473

Re: When saving money becomes an irrational obsession

I knew an older doc, he had been working for 50 years and was forced to retire at 80+ years old. But he could pinch pennies and worried about how much he was making (even though he had multi-millions) and never really spent much was driving a 15 year old car etc. So he died a few years later and his...
by rai
Sun Jun 21, 2015 12:47 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24473

Re: When saving money becomes an irrational obsession

I think it will be a big transition for me to change over from a saver to a spender (when I retire). While I do want to retire ASAP that is two distinct forces working against each other As Soon (stop working as soon as I have enough money). As Possible (meaning I need to have enough money and that ...
by rai
Sun Feb 15, 2015 9:26 am
Forum: Investing - Theory, News & General
Topic: why stocks outperform other asset classes in the long run ?
Replies: 51
Views: 3971

Re: why stocks outperform other asset classes in the long ru

Was reading about this, maybe only 20% of companies will still be around in 50 years. Don't recall the exact numbers , but the big winners like IBM, Microsoft, Appl could gain 20,000% or more so those stocks make up for the losers.
by rai
Sat Jan 03, 2015 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Should I even be in bonds?
Replies: 40
Views: 3844

Re: Should I even be in bonds?

I think 20% is better than none. First, you can have some money to buy more stocks with if there is another crash. My biggest lament when there is a significant crash is not being able to buy MORE stocks (other than new contributions). I know you have doubled your money from the last crash, but it's...
by rai
Sun Dec 28, 2014 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Why tilt to high yield bonds?
Replies: 29
Views: 2385

Re: Why tilt to high yield bonds?

I'm holding bonds more for stability or to hold up when stocks as doing poorly, not for their growth. So I'm mainly in total bond fund, investment grade cooperate and treasury bond funds intermediate. I suppose the argument would be that short term would hold up better, but my preference is to gain ...
by rai
Sat Dec 27, 2014 8:40 am
Forum: Investing - Help with Personal Investments
Topic: 'time in' the market vs 'timing' the market
Replies: 37
Views: 2611

Re: 'time in' the market vs 'timing' the market

The point is, what if the market doesn't pull back from this point? I mean there have been thresholds before that we have gone past that we are not going back to such as Dow 100, 1000... 10,000 who knows? We may be past that and never return or we may return there. But at some point when we're at Do...
by rai
Thu Dec 25, 2014 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: What are the deferred taxation compounding benefits (401k)?
Replies: 25
Views: 2126

Re: What are the deferred taxation compounding benefits (401

I guess if you really wanted just the idea of "tax deferral" - all money set aside for a 401K plan (for example or IRA) is on the last marginal dollar of income - i.e. the highest taxed dollar. You are in ultimate control on removing the money (however) and you are taxed at starting at th...
by rai
Wed Dec 24, 2014 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: What are the deferred taxation compounding benefits (401k)?
Replies: 25
Views: 2126

Re: What are the deferred taxation compounding benefits (401

(And yes, there are more taxes involved in the taxable account that were only omitted in the interest of simplicity.) --Peter nicely said. I am sure we here on Boglehead forum understand this better than the average man on the street. Also, as many people own BONDS (taxable BONDS) it's murder to ha...
by rai
Wed Dec 24, 2014 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: What are the deferred taxation compounding benefits (401k)?
Replies: 25
Views: 2126

Re: What are the deferred taxation compounding benefits (401

If you ultimately have to pay the same tax rate, it doesn't seem to matter if you pay it now or later incorrect. You forget that taxable accounts are not tax free, you need to pay tax on the gains (when you sell the assets at the end) and the dividends are taxed every year and you also ignore the f...
by rai
Wed Dec 24, 2014 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: What are the deferred taxation compounding benefits (401k)?
Replies: 25
Views: 2126

Re: What are the deferred taxation compounding benefits (401

Year 2 No tax deferral = (14,700 * 1.1) + 7,000 = 23,170 Tax deferral = (21,000 * 1.1) + 10,000 = 33,100 Upon withdrawal the tax deferred funds = 0.7 * 33,100 = 23,170 which is the same You are making this too hard. First you forgot to tax the taxable accounts gains. When you did your summation, yo...
by rai
Tue Dec 23, 2014 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Depreciated Stock
Replies: 1
Views: 367

Re: Depreciated Stock

should i just leave everything well enough alone for now and only do a tax loss harvesting when we have exhausted the carryover capital loss? I would lessen my exposure to an overweighed individual stock and I would try to lower/eliminate the bonds/REITS in a taxable account. I would unwind more th...
by rai
Tue Dec 23, 2014 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Is it OK to TLH from VXUS to VEU?
Replies: 4
Views: 676

Re: Is it OK to TLH from VXUS to VEU?

livesoft wrote:Yes. Google must be broken today. ;)

maybe I didn't ask the correct way but it was giving me dubious answers.

Just didn't want to perform a newbie mistake.
by rai
Tue Dec 23, 2014 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is it OK to TLH from VXUS to VEU?
Replies: 4
Views: 676

Is it OK to TLH from VXUS to VEU?

sorry tried a Google search, sure it's covered before I apologies in advance.

Just wanted to make sure it was OK to TLH using these two ETFs

VXUS Vanguard Total International Stock ETF

VEU Vanguard FTSE All-World ex-US ETF
by rai
Sun Dec 21, 2014 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: SS Strategy
Replies: 8
Views: 1307

Re: SS Strategy

Don't believe that's correct about wife not being entitled to survivor benefits :confused
by rai
Thu Dec 18, 2014 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Am I in two many investments.
Replies: 17
Views: 1954

Re: Am I in two many investments.

I never understand the comment "I am not comfortable picking my own investments" This is not like performing brain surgery, it's fairly simple a few 200 page books or less should do the trick. Reall there are three fund portfolios that can do as well as anything you are being advised on, o...
by rai
Thu Dec 18, 2014 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Individual Bonds vs. Bond Funds
Replies: 9
Views: 1243

Re: Individual Bonds vs. Bond Funds

I apologize.. I should have referenced that the individual bonds are managed by a professional at a cost of .25 which I believe to be more than reasonable for the institutional costs I have access to. I trust him so as far as being a pain etc.. I just collect coupons on a monthly basis. I havent ha...
by rai
Mon Dec 15, 2014 10:01 am
Forum: Investing - Theory, News & General
Topic: Social Security maximum earnings limit question.
Replies: 11
Views: 802

Re: Social Security maximum earnings limit question.

I downloaded the AnyPIA calculator from SSA a couple of years ago. I entered my data, I believe I had something like 37 years with at least some credit at the time but most years the income exceeded the appropriate annual maximum FICA taxable limit. Several of the early years were part-time work wh...
by rai
Mon Dec 15, 2014 9:28 am
Forum: Investing - Theory, News & General
Topic: Social Security maximum earnings limit question.
Replies: 11
Views: 802

Re: Social Security maximum earnings limit question.

Thanks, sorry if this was the wrong forum. I believe I understand better how it works. More specifically I was wondering if I had a few partial years where I earned less than maximum in the early 90s if working an extra year in the 2020s will greatly effect the calculations. Or if it's so minor in t...
by rai
Mon Dec 15, 2014 8:27 am
Forum: Investing - Theory, News & General
Topic: Social Security maximum earnings limit question.
Replies: 11
Views: 802

Social Security maximum earnings limit question.

I've a question, it's more of a nuts and bolts question, don't mean to get into politics at all. But I've been working 20 years maximum and found that the maximum taxable limits are raised somewhat out of proportion to wage adjustment. I understand this is done to help the solvency of SS which is gr...
by rai
Wed Dec 10, 2014 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 12678

Re: "Why Retirement at 65 is a Fairy Tale"

Almost seems like an ad for long term care insurance at the end, I wonder if I need to look into long term care insurance or if it's better to self finance that (if I have a very large nest egg), but I also have to laugh that here's an article that says most people aren't saving enough and then ends...
by rai
Tue Dec 09, 2014 8:45 am
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 71
Views: 9720

Re: High(ish) earner; spending too much?

So I read through this thread and I've read other threads and really shocked to see the income/salary of many of you bogleheads. I am only 25, working in the aerospace industry, and make fairly good money for someone my age. However, the OP is only 32 and making $400,000, over 4 times my salary. I ...
by rai
Sun Dec 07, 2014 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 71
Views: 9720

Re: High(ish) earner; spending too much?

15% is a general guideline for saving for retirement. At 30% you are double that, so I think you are doing fine. at 1.5 mil at 32, you are WAY ahead of most people. I think you are doing well, (I didn't have anything at 32) however as you are currently single, no kids, be aware that children (for m...
by rai
Thu Dec 04, 2014 8:17 pm
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 3442

Re: 2012 Honda Pilot Tranny Fluid Change?

A friend has a 2012 Honda Pilot AWD with about 27,000 miles. He said that the maintenance minder flashed a code to change the tranny fluid. So he took it to the dealer and they changed the tranny fluid. Can this possibly be right? I can't imagine any Honda requiring a tranny change anywhere near th...
by rai
Thu Dec 04, 2014 6:18 pm
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 3442

Re: 2012 Honda Pilot Tranny Fluid Change?

Our 2014 MDX was the same, like 27K. I believe it's excessive, but the car cost 400x the cost of the service (MDX) and if it's under warranty and you fail to do the recommended service, it's possible (not likely) but Honda/Acura could refuse to cover it if something broke on the tranny. We had an ol...
by rai
Wed Dec 03, 2014 9:54 pm
Forum: Personal Consumer Issues
Topic: Buying a kids first car -- considerations?
Replies: 25
Views: 2776

Re: Buying a kids first car -- considerations?

Liability would be my main concern with buying a car for a young driver, or for anyone except myself or my wife, for that matter. Safety would be my primary concern, and It's a total fact that small cars are less safe than larger vehicles. Much as I hate to admit it, small cars are unsafe (IMO) and...
by rai
Tue Dec 02, 2014 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Just Paid Off My Car
Replies: 24
Views: 2394

Re: Just Paid Off My Car

:sharebeer

Nice work.
by rai
Mon Dec 01, 2014 7:43 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 17720

Re: Documentaries to recommend?

'Senna' http://www.imdb.com/title/tt1424432/ Best documentary I have seen (It's about the great race driver Senna)

http://en.wikipedia.org/wiki/Enron:_The ... n_the_Room (about Enron)
by rai
Sun Nov 30, 2014 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 4008

Re: Reached a minor financial milestone this month

poker27 wrote:250k at 31 in retirements accounts is a great feat. Most people will never see this amount of $ in their 401k, you have it just after 30.

great job :beer
by rai
Fri Nov 28, 2014 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1770

Re: Corporate bond funds? Tips? Long term bond funds? Yes or

Hi rai, In my opinion, any low cost investment grade, short or intermediate term bond fund will provide safety and income to a portfolio. Best. rai, if you want a simple, direct answer to your question, it is the above. If you additionally want to know if you should allocate perhaps 25% of that to ...
by rai
Thu Nov 27, 2014 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1770

Re: Corporate bond funds? Tips? Long term bond funds? Yes or

Phineas J. Whoopee wrote:please use the asking portfolio questions format so people have a factual basis on which to make their suggestions.

PJW


I'm asking a general question, something that can be answered without knowing exactly what is in my portfolio.
by rai
Thu Nov 27, 2014 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1770

Re: Corporate bond funds? Tips? Long term bond funds? Yes or

So, some tips wouldn't hurt? Meaning like 20-25% of bond portion?
by rai
Thu Nov 27, 2014 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1770

Re: Corporate bond funds? Tips? Long term bond funds? Yes or

Thanks for the help. Ogd, much appreciated that other thread you linked. You mentioned if inflation heats up, an intermediate fund would catch up to tips due to interest rates but wouldn't tips also increase interest rates on new additions to the tips fund as well as giving final payment adjusted fo...
by rai
Wed Nov 26, 2014 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1770

Re: Corporate bond funds? Tips? Long term bond funds? Yes or

It would be helpful if you gave me a suggestion such as 25% tips 25% long 50% total bond Or some helpful rules of thumbs. I know people have different thoughts so if you could give me an argument for or against tips, dedicated corporate bond fund and dedicated long term bond fund. All funds will be ...
by rai
Wed Nov 26, 2014 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1770

Corporate bond funds? Tips? Long term bond funds? Yes or no?

I'm in the process of cleaning up my allocations. Not so much the stock/bond ratio but more just figuring out my bond allocation. Couple of questions. -Been reading how corporate bonds are more correlated to stocks and also are more often callable, but may have better income, however they say take t...
by rai
Wed Nov 26, 2014 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 14634

Re: Girlfriend with a LOT of Student debt.

No one has mentioned it, but perhapse she has some other 'assets' that make her a keeper?
by rai
Tue Nov 25, 2014 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 14634

Re: Girlfriend with a LOT of Student debt.

Maybe you can come to a happy middle ground, maybe you can worry less about saving and she can worry more. But I don't think its possible for most people to be as focused on saving and low debt and low cost investing as most Bogleheads. You are talking to the 1% of savers, maybe not the top earners,...
by rai
Mon Nov 24, 2014 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 14634

Re: Girlfriend with a LOT of Student debt.

So far her philosophy has been to not let the debt ruin her life. She talks of trips to Europe, and seems to be ok with paying it off slowly over the next 20-25 years until forbearance. This stresses me out. Does she know what it is doing to your life? She does not seem to be in tune with your feel...
by rai
Mon Nov 24, 2014 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 14634

Re: Girlfriend with a LOT of Student debt.

She talks of trips to Europe, and seems to be ok with paying it off slowly over the next 20-25 years until forbearance. I hate that we all seem to be piling on as GF is not around to defend herself. But Myself and my wife both are in the top 3% of earners and yet we have not been to Europe and were...
by rai
Mon Nov 24, 2014 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 14634

Re: Girlfriend with a LOT of Student debt.

She talks of trips to Europe, and seems to be ok with paying it off slowly over the next 20-25 years until forbearance. I hate that we all seem to be piling on as GF is not around to defend herself. But Myself and my wife both are in the top 3% of earners and yet we have not been to Europe and were...
by rai
Mon Nov 24, 2014 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 14634

Re: Girlfriend with a LOT of Student debt.

Have any of you paid off over 200k in college debt before (that isn't a Dr or an Ivy league lawyer) working middle class jobs? Is this possible? We paid off double that (but we're both MDs). I think you need to think about $1-$2K a month for 10-20 years don't you think? It would drive me bonkers if...
by rai
Mon Nov 24, 2014 10:20 am
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 26667

Re: What do you splurge on?

investingdad wrote:
rai wrote:I own seven pinball machines.

Getting one is on my list for the game room, which ones do you have?

There only one that I want...World Cup Soccer, it's what I played in college.

Any advice?

I sent you a PM

I have:

Pirates of the Caribbean
Spiderman
Iron Man
AcDc
Tron
X-Men
Star Trek
by rai
Sun Nov 23, 2014 9:15 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 26667

Re: What do you splurge on?

I own seven pinball machines.
by rai
Sun Nov 23, 2014 8:59 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 20280

Re: Vanguard offers login security code

ddunca1944 wrote:Thanks for posting this. I've just activated mine.

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