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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
Sat Jan 03, 2015 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I even be in bonds?
Replies: 40
Views: 3659

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
Sun Dec 28, 2014 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Why tilt to high yield bonds?
Replies: 29
Views: 2155

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
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: 2430

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
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: 2024

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 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are the deferred taxation compounding benefits (401k)?
Replies: 25
Views: 2024

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 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are the deferred taxation compounding benefits (401k)?
Replies: 25
Views: 2024

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
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: 2024

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 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Depreciated Stock
Replies: 1
Views: 331

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 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it OK to TLH from VXUS to VEU?
Replies: 4
Views: 607

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
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: 607

Re: SS Strategy

Don't believe that's correct about wife not being entitled to survivor benefits :confused
by rai
Sun Dec 21, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy
Replies: 8
Views: 1244

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 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I in two many investments.
Replies: 17
Views: 1865

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
Thu Dec 18, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Individual Bonds vs. Bond Funds
Replies: 9
Views: 1199

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 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Social Security maximum earnings limit question.
Replies: 11
Views: 751

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 9:28 am
 
Forum: Investing - Theory, News & General
Topic: Social Security maximum earnings limit question.
Replies: 11
Views: 751

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
Mon Dec 15, 2014 8:27 am
 
Forum: Investing - Theory, News & General
Topic: Social Security maximum earnings limit question.
Replies: 11
Views: 751

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
Wed Dec 10, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11988

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
Tue Dec 09, 2014 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 71
Views: 9175

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
Sun Dec 07, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 71
Views: 9175

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 8:17 pm
 
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 1658

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
Thu Dec 04, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 1658

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
Wed Dec 03, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Buying a kids first car -- considerations?
Replies: 25
Views: 2618

Re: Just Paid Off My Car

:sharebeer

Nice work.
by rai
Tue Dec 02, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just Paid Off My Car
Replies: 24
Views: 2265

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
Mon Dec 01, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 109
Views: 12639

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
Sun Nov 30, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3778

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
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: 1661

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 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1661

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 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1661

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
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: 1661

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 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1661

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 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 17
Views: 1661

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
Wed Nov 26, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13767

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
Tue Nov 25, 2014 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13767

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 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13767

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 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13767

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: 13767

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 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13767

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
Mon Nov 24, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24376

Re: What do you splurge on?

I own seven pinball machines.
by rai
Sun Nov 23, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24376

Re: Vanguard offers login security code

ddunca1944 wrote:Thanks for posting this. I've just activated mine.
by rai
Sun Nov 23, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18197

Re: What is the $$ value of delaying retirement a month?

Does OP have full maximum social security 35 years maximum. If not how much the extra month will fill in the lower recorded periods or replace zeros with positive numbers. Or smaller years with larger years. I know, SS is counted by the years but if you have not established the maximum contribution ...
by rai
Thu Nov 20, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the $$ value of delaying retirement a month?
Replies: 24
Views: 1995

Re: Another bond fund question do I need short term in my 40

Unless you are earmarking money for short-term use, you don't need a separate short-term fund. Total Bond Market Index holds short-term, intermediate-term, and long-term bonds, so it serves the same purpose as holding three separate funds such as Short-Term, Intermediate-Term, and Long-Term Bond In...
by rai
Wed Nov 19, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another bond fund question do I need short term in my 401k?
Replies: 7
Views: 503

Re: Bought more international today

Thanks for the update.
by rai
Wed Nov 19, 2014 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought more international today
Replies: 2
Views: 649

Another bond fund question do I need short term in my 401k?

We are in the middle of switching over out pension plan with more than a million combined. Prior to this we had what I would call boutique funds or some made up funds that were not really well disclosed, so for instance we would have 'taxable bond fund' or 'short term taxable bond fund' but I was no...
by rai
Wed Nov 19, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another bond fund question do I need short term in my 401k?
Replies: 7
Views: 503

Re: Heads up one of the better reward credit card I've seen.

lhl12 wrote:Increasingly, I see gas stations quoting two prices per gallon: one for cash and a higher one for credit. The differential usually more than offsets the benefits of a card like this one.

Not around here, I have seen that happen but it's more rare than normal.
by rai
Wed Nov 19, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 11147

Re: Heads up one of the better reward credit card I've seen.

I have a question about the Sallie Mae CC when it says 'book stores' does that include Amazon and everything they sell for instance electronics etc..? Edit: asked and answered: I looked it up, seems as if Amazon sales count as long as they are sold directly from Amazon and not a third party operati...
by rai
Wed Nov 19, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 11147

Re: I may not make my retirement goals! What to do?

Answer: Frankly I underestimated my cost of living. This is why I am scared to retire early. If working can be broken down into segments sometimes the first part is getting out of debt buying a house etc.. The second part getting the kids through school and paying off house The last part is interes...
by rai
Wed Nov 19, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 4151

Re: I may not make my retirement goals! What to do?

Forgot: Second reason:Once the market recovered I reduced my stock allocation drastically. I was suspecting this. Market timing or fear. I'm never understanding why some people are scared of stocks that the feel like they are safer without. To me only the super wealthy truly have enough to live off...
by rai
Wed Nov 19, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 4151

Re: I may not make my retirement goals! What to do?

Erwin, what went wrong with this plan? For Those In Retirement: Why I Am Not Worry! Seems like the markets have served as a tailwind since you made that post in 2008. What went wrong? Did you underestimate your costs in retirement? MB Very curious myself to see what happened since 2008 that has occ...
by rai
Wed Nov 19, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 4151

Re: I may not make my retirement goals! What to do?

Was looking around how these artificially low rates are particularly hard on retirees who desire to have low risk but rely on return from bonds to live.

http://www.businessweek.com/articles/20 ... -in-a-bind
by rai
Wed Nov 19, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 4151
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