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Re: How did you get through the market crash in 08-09

The crash was scary because it all signaled towards potential complete collapse of the financial system as we know it. That's what I was thinking, at some point in there. But I stuck all in and now I am about 3x my low water mark (with gains as well as new money). The bad thing for me, was I was to...
by rai
Tue Mar 11, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5445

Re: How did you get through the market crash in 08-09

I did nothing, iow I kept what I had, fortunately I was making excess money to contribute to 'make up' the losses. I was too high on stocks like 90% and maybe more than that so I lost every bit of the market. I recall days when my losses were tens of thousands, didn't like that much, but i figured l...
by rai
Tue Mar 11, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5445

Re: Mailed in my pay off for my home today!

Congratulations! It's a pretty cool feeling. :beer Thanks, sent the check over nite mail and it cleared, zero balance left in fact I have a good bit of escrow, which I could have used towards the payment, but don't mind having extra cash coming my way. Will keep it for tax bill and whatnot. It feel...
by rai
Fri Nov 22, 2013 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mailed in my pay off for my home today!
Replies: 26
Views: 2185

Mailed in my pay off for my home today!

Not totally free and clear, I still have a HELOC, but put away my primary today, just at the 15 year mark exactly.

I figure 2 years will put the HLOC to bed if things go well.

:sharebeer
by rai
Thu Nov 21, 2013 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mailed in my pay off for my home today!
Replies: 26
Views: 2185

Re: Do Bogleheads have a number?

Do Bogleheads have a number that they are trying to reach where they feel they can retire? Or is it just let things play out until they reach their target retirement age? I ask because I have a number and was wondering if that was good or bad. I have a number to go with a time frame. IOW I am looki...
by rai
Mon Nov 11, 2013 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads have a number?
Replies: 118
Views: 11123

Re: Liability Insurance [umbrella policy questions]

Is it possible I have too much umbrella insurance? I recently upped my umbrella from $2m to $5m for $860/year. I don't have near $5m in net worth, but am a very high wage earner and future wages would exceed $5m. I think it's a cheap insurance, but having second thoughts if I am over protected or do...
by rai
Thu Nov 07, 2013 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Liability Insurance [umbrella policy questions]
Replies: 28
Views: 2828

Re: Liability Insurance [umbrella policy questions]

Does umbrella cover you even if you have med malprcatice? If you have a med malpractice judgment over our malpractice limit does the umbrella go into effect as well?
by rai
Tue Nov 05, 2013 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Liability Insurance [umbrella policy questions]
Replies: 28
Views: 2828

Re: Underage child can they have credit card, any tips or tr

Cash withdraw fee is 3% but no less than $10
by rai
Tue Nov 05, 2013 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Underage child can they have credit card, any tips or tricks
Replies: 30
Views: 1867

Re: Dividend Paying Stock

AAPL, to me it tough to beat. I actually am overweight in this stock, but the price is too darn good with it's proven sales strength, continued raising dividend (likely) and share buy back plan. I would be all over AAPL like white on rice if I didn't already own a ton. It's dividend might not be too...
by rai
Tue Nov 05, 2013 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend Paying Stock
Replies: 28
Views: 2718

Re: Underage child can they have credit card, any tips or tr

I just applied for Capital 1 student reward card, which will be in my name but we can add out child as a authorized user, has 1% cash back (plus 25% when paid on time) and no foreign transaction fees. No annual fees. We have not taken the plunge into a checking or savings account just yet. So where ...
by rai
Tue Nov 05, 2013 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Underage child can they have credit card, any tips or tricks
Replies: 30
Views: 1867

Re: Underage child can they have credit card, any tips or tr

That's an idea but wonder if they'd work in Europe is the key. I also like to keep up with usage by checking via online credit card statements, not sure the method or if this works at all with prepaid, I assume more like a number to call to see what is remaining balance but not telling me what is ac...
by rai
Mon Nov 04, 2013 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Underage child can they have credit card, any tips or tricks
Replies: 30
Views: 1867

Underage child can they have credit card, any tips or tricks

We have 2 children one 13 and one 15. The 15 year old will be traveling to Europe on a school trip. It was said that some type of credit or debit card would be useful so they won't have to carry as much cash and we could be able to track their spending and credit cards can be used in other countries...
by rai
Mon Nov 04, 2013 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Underage child can they have credit card, any tips or tricks
Replies: 30
Views: 1867

Re: Basic question about TIPS

I've wondered are individual bonds better than bond funds?
by rai
Mon Nov 04, 2013 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Basic question about TIPS
Replies: 5
Views: 542

Re: 529 College Plan

I would not plan on having the full amount in 529 plan because if your child gets a scholarship or if they elect to go to a state school which can be considered a 'top school' for instance where I live university of Maryland is listed as a top 100 school in the country with an in state tuition of $9...
by rai
Sun Oct 06, 2013 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 College Plan
Replies: 18
Views: 1889

Re: Math help, calculating how to pay off my HELOC

#cruncher Thanks for the reply, hope you didn't mind my asking, you really seem to have got it, I wasn't sure what it would be, I was thinking more like $40/month but now it seems not even that much. As you point out the more I hold back the smaller my savings and as you point out the tipping point....
by rai
Sat Sep 28, 2013 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Math help, calculating how to pay off my HELOC
Replies: 9
Views: 593

Re: Math help, calculating how to pay off my HELOC

Assuming you have an adequate emergency fund and you want to pay off the HELOC early and the money would otherwise be in an account earning less than the tax adjusted interest rate (which it would be for you), then you would always be better putting the money directly toward the loan and not puttin...
by rai
Sat Sep 28, 2013 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Math help, calculating how to pay off my HELOC
Replies: 9
Views: 593

Math help, calculating how to pay off my HELOC

Hi, I am sure there is a way to figure this out, but I'm out of practice on math formula and what not. But here is the question, I have a HELOC which has a variable rate, right now it's 2.75% (and this is for $106,000) once I get below $99,999 it will jump to 3.25% and once I get below $49,999 it wi...
by rai
Sat Sep 28, 2013 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Math help, calculating how to pay off my HELOC
Replies: 9
Views: 593

Re: rec for $500 to spend as play money

You can buy one share of Apple
by rai
Sun Aug 25, 2013 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: rec for $500 to spend as play money
Replies: 27
Views: 1674

Re: Extreme Early Retirement

I don't mean to make this political, just medical and financial. I saw a person today who had cornea transplants, 'what if' this was not offered by health coverage but was available in a pay to play facility? You pay money or you are blind? What if this procedure costs $40k? I am just using cornea t...
by rai
Mon Aug 05, 2013 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 11150

Re: Extreme Early Retirement

'What if' you needed an operation in the future but that procedure was phased out by your government insurance? what if there became a two teir system of medicine where you can accept government offered coverage or if you had more means you could pay for private coverage or pay out of pocket for a t...
by rai
Mon Aug 05, 2013 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 11150

Re: Extreme Early Retirement

The thing I find interesting about retirement planning, is that it's something of a catch-22, meaning the sooner want to retire the more mone you will need. More years to spend, longer time periods for tax changes, inflation, younger people may be more active or have more things to see and do, longe...
by rai
Sun Aug 04, 2013 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 11150

Re: Extreme Early Retirement

I am 36 and my wife is 37. My wife and I have amassed a total of 1.7M in investable assets. My wife and I believe we can live happily off $60K a year which is slightly less than 4% of 1.7M. I know retirees can have anxiety about outliving their money. God-willing, I'm hoping to be on this earth for...
by rai
Sun Aug 04, 2013 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 11150

Re: Extreme Early Retirement

No way. Health care is a big risk, do you have any idea how much you would spend to self insure? What will future taxes or inflation do to your withdrawals? Do you have a sizable Social Security foundation to look forward to? SS looks at the highest 25 years, it's hard to believe you have a lot of '...
by rai
Sun Aug 04, 2013 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 11150

Anti Bogleheads lessons from rich athletes who go broke

I have been reading here about such things as your number or how much money people could live off of in retirement for 30+ years, and I can not believe some of the low numbers. But I was reading this article about athletes who go broke such as Mike Tyson $400 MIllion. It just boggles the mind (pun i...
by rai
Mon Mar 11, 2013 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Anti Bogleheads lessons from rich athletes who go broke
Replies: 2
Views: 649

Re: "In the long run we're all dead": Stock vs Bond fund all

Going back to your intro post you say you have seen people with stock loss of 50% paper loss, this is not abnormal to me and if those people were deversified there would not have been as much of a loss. Also I've listened to a talk radio show a caller claimed to have lost 50% in the recient stock ma...
by rai
Sat Mar 09, 2013 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: "In the long run we're all dead": Stock vs Bond fund alloc
Replies: 29
Views: 8427

Re: "In the long run we're all dead": Stock vs Bond fund all

I would not worry about a war with N Korea unless I lived in N Korea. What exactly do you fear in headlines that is worse than what has been in the past such as WW2 or the Great Depression? I believe the Japanese stock market fear is overblown as well. I do no see stock indexes behaving the same as ...
by rai
Sat Mar 09, 2013 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: "In the long run we're all dead": Stock vs Bond fund alloc
Replies: 29
Views: 8427

Re: Risky retirement portfolio mitigated by stop loss ?

Sell low is the worse strategy, if you can't stand volitility you should stick to low risk assets.
by rai
Sat Mar 09, 2013 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risky retirement portfolio mitigated by stop loss ?
Replies: 17
Views: 1022

Re: Buy and hold Sell covered calls

Just curious, if you own a large amount of a stock, for example if you own 500 shares of Apple and are comfortable selling 100 at current value or higher, you can sell Jan 2014 at the money (today $475) for $4800, this is around 1% a month gain and you'd keep the dividends during this time which is ...
by rai
Fri Feb 08, 2013 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2145

Re: Social Security Statement Now Online?

If it says your estimated payment will be, is that in today's or future dollars? It will be 20 years until I'm 67.
by rai
Thu Jan 03, 2013 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security Statement Now Online?
Replies: 32
Views: 3457

Asset protection, high net worth in Maryland specific.

As a medical doctor in Maryland, I have malpractice coverage as well as well as umbrella coverage. I am trying to get some advice or suggestions which would apply in the state of Maryland. I assume that 401k and IRAs would be sheltered, not sure about home equity protected. Would future annuity valu...
by rai
Sun Sep 16, 2012 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection, high net worth in Maryland specific.
Replies: 3
Views: 478

Re: Effect of Stock and Bond Returns on SS breakeven point

#Cruncher wrote:I'll have plenty of money to last if I die before 82. But in the unlikely event I live into extreme old age, the extra benefits from delaying could become crucial.

This is a great way to look at it.
by rai
Sun Jul 01, 2012 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Effect of Stock and Bond Returns on SS breakeven point
Replies: 4
Views: 589

Re: SSN benefit question

as far as I understand, she won't get anything from her credit (if she does not qualify for 40 credits) but she should be able to gain half of your benifits (spousal benifits).
by rai
Fri May 11, 2012 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: SSN benefit question
Replies: 11
Views: 925

Help me understand AAPL (stock value)

Lets call the current price of AAPL in the $550 to $600 range and the market cap of $500B to $600B what is the likleyhood or reasons why this price will go up or down vastly? (down to $400 (or less) or up to $700+). People say Apple is priced on its growth (ie. every year it's sales are going up and...
by rai
Tue May 08, 2012 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Help me understand AAPL (stock value)
Replies: 14
Views: 1321

Re: Is average good enough???

I believe there is more to being a boglehead than just investing in average market returns. The other aspect seems to be (for the most part) that Bogleheads save more than an average investor. In other words, if the average investor saves 5% to 10% of their income. I bet many Boglehead saves 20% to ...
by rai
Tue May 08, 2012 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Is average good enough???
Replies: 42
Views: 2553

Re: "Noise" Theory

this is interesting. As far as noise goes it's harder to get more noise than Apple. In fact a year ago I posted this -- > http://www.bogleheads.org/forum/viewtopic.php?t=70569 I pointed out that every day, without fail we could see one or more stories about Apple. At that point the stock price was a...
by rai
Thu May 03, 2012 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: "Noise" Theory
Replies: 15
Views: 1097

Re: Basic retirement advice

you may not want to reinvest dividends (at least not as a DRIP) in your brokerage account (either from stocks or ETFs) as you will get a cost basis every 4 months (and get fraction of shares) which is fine, but if you want to sell and tax loss harvest those positions you could end up 50 different co...
by rai
Thu May 03, 2012 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Basic retirement advice
Replies: 15
Views: 1948

Re: Apple @ $2000

People love apple, my wife for example. We have 3 iPads already and my wife says we should get an ipad3. Why? Chris Rock had a bit where he said he loved everything Apple made, he said Apple could sell bottled water and he would buy it. It almost reminds me of people who are brand loyal to a cigaret...
by rai
Tue May 01, 2012 8:12 am
 
Forum: Investing - Theory, News & General
Topic: Apple @ $2000
Replies: 60
Views: 5123

Re: 'Senna' F1 Monaco + Larry Swedroe Marginal Utility of we

but if you look at him him after the crash see his body language, without a doubt he was disgusted with his decision. His body language after the crash?. The case of Senna pushing hard in the race being analagous to the marginal utility of weath is quite a stretch. Senna wasn't that far in the lead...
by rai
Sat Apr 28, 2012 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: 'Senna' F1 Monaco + Larry Swedroe Marginal Utility of wealth
Replies: 14
Views: 1245

Re: 'Senna' F1 Monaco + Larry Swedroe Marginal Utility of we

But if you were the sort to slow up for safety near the finish, you wouldn't have been in the lead in the first place. i thought slow and steady wins the race. (j/k) but if you look at him him after the crash see his body language, without a doubt he was disgusted with his decision. (maybe it didn'...
by rai
Sat Apr 28, 2012 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: 'Senna' F1 Monaco + Larry Swedroe Marginal Utility of wealth
Replies: 14
Views: 1245

'Senna' F1 Monaco + Larry Swedroe Marginal Utility of wealth

It's fascinating how a mind works. I read something here about investing, later I see a movie, and it comes together in my mind as a perfect analogy of life and investing. How to learn from other peoples mistakes. How Do You Know When You Have Enough? Larry Swedroe http://www.cbsnews.com/8301-505123...
by rai
Sat Apr 28, 2012 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: 'Senna' F1 Monaco + Larry Swedroe Marginal Utility of wealth
Replies: 14
Views: 1245

Re: I want to exchange Apple for SP&500, any ideas or strate

TheEternalVortex wrote: if there are inefficient investments Apple stock is certainly not one of them.

I don't undestand what this means
by rai
Fri Apr 27, 2012 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to exchange Apple for SP&500, any ideas or strategy?
Replies: 32
Views: 1641

Re: DCA according to S&P price, not time

this is the funniest thing I have heard in a while. Not sure how it will work out, but this thread made me laugh and for that I will post a beer smile for the OP :beer
by rai
Fri Apr 27, 2012 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: DCA according to S&P price, not time
Replies: 13
Views: 672

Re: I want to exchange Apple for SP&500, any ideas or strate

Maybe you could donate them to a poor or homeless person. Then there would be no tax. And it might make you feel good about yourself. this is such a joke, why would I give 100% to save 20-30-40% in tax? My goal is to exchange to ETFs not give away all my money. I view my tax as a gift to the gov, I...
by rai
Fri Apr 27, 2012 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: I want to exchange Apple for SP&500, any ideas or strategy?
Replies: 32
Views: 1641

Re: Why invest in stock market index funds when there is BRK

Are you sure? What about last 3 years?

Are you counting dividends?
by rai
Thu Apr 26, 2012 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in stock market index funds when there is BRK?
Replies: 31
Views: 2501

Re: Mixing pre-tax with post-tax accounting

No, assuming a 0% incremental tax rate is closed to reality than assuming 25%. Remember, when the IRA distributions are your only source of income, you have a fair amount taxed at 0%....between the standard deduction and personal exemptions. If your IRA balance is over a million or half a million, ...
by rai
Thu Apr 26, 2012 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mixing pre-tax with post-tax accounting
Replies: 13
Views: 500

Re: Mixing pre-tax with post-tax accounting

unknown future tax rate and tax on cap gains and dividends in taxable accounts impossible to say But isn't an educated guess of 25% (or 35% or whatever) going to be closer to correct than just ignoring it and effectively assuming a 0% tax? I did not say it would be 0% I said it's impossible to say ...
by rai
Thu Apr 26, 2012 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mixing pre-tax with post-tax accounting
Replies: 13
Views: 500

Re: Mixing pre-tax with post-tax accounting

unknown future tax rate and tax on cap gains and dividends in taxable accounts impossible to say, but my gut feeling is taxable money is worth a bit more especially if you have tax loss carrry over to negate cap gains. TLH loss is like money in the bank.
by rai
Thu Apr 26, 2012 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mixing pre-tax with post-tax accounting
Replies: 13
Views: 500

Re: I want to exchange Apple for SP&500, any ideas or strate

See Six Ways To Avoid Capital Gains Tax . Look at number 6. You could use up your carry-over first. (I haven't thought that through.) I looked at that just now, was thinking of selling higher future puts which I don't normally do but now the situation is -I am not scared of it executing at a higher...
by rai
Thu Apr 26, 2012 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to exchange Apple for SP&500, any ideas or strategy?
Replies: 32
Views: 1641

Re: I want to exchange Apple for SP&500, any ideas or strate

I do plan to retire early in 12 years (maybe), and be in a lower tax bracket and be able to convert gains more easily, but right now I am in such a high tax bracket I am reluctant to convert almost six-figures into tax gains. I am going to see what I do have as tax loss carryover and at least conver...
by rai
Thu Apr 26, 2012 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to exchange Apple for SP&500, any ideas or strategy?
Replies: 32
Views: 1641

Re: I want to exchange Apple for SP&500, any ideas or strate

When figuring the tax consequences of the sale you also need to consider your state's capital gains tax. Some states have high capital gains taxes, they may tax the gains as ordinary income, and might not necessarily follow the federal tax brackets. With a capital gains hit that big you also need t...
by rai
Thu Apr 26, 2012 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to exchange Apple for SP&500, any ideas or strategy?
Replies: 32
Views: 1641
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