Search found 1817 matches

by sschullo
Mon Aug 03, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Wife starting a 403b...some questions...
Replies: 32
Views: 1451

Re: Wife starting a 403b...some questions...

If you are trying to determine whether to fund a 403(b) or a Roth IRA here's a story called 403(b) and or Roth IRA? that you might find helpful: http://403bwise.com/participants/getwise_investment_roth.html As you may know the Target Date allocation within the same year (say 2045) can differ from c...
by sschullo
Sun Aug 02, 2015 5:19 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 239
Views: 20050

Re: Free Windows 10 Upgrade, Yes or No?

Been waiting for two days and still have not gotten the notice. I know Microsoft is sending it out in waves with the developers and beta testers first, anybody know the schedule when us regular users will be next? Go here and download the Windows 10 media creation tool: https://www.microsoft.com/en...
by sschullo
Sun Aug 02, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Enough is enough
Replies: 29
Views: 6147

Re: Enough is enough

Retired at 60 with a reduced teacher's pension and a tiny SS because of the pension offset law. I wanted to write books and a blog to help my fellow educators with their tax deferred retirement plans and reform the horrifically and corrupt 403(b) with K-12 school districts. That was 8 years ago, no ...
by sschullo
Sat Aug 01, 2015 3:02 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisor v. Bogle Approach?
Replies: 33
Views: 2546

Re: Financial Advisor v. Bogle Approach?

walletless wrote:1.5% !! Wow. Boy, am I glad I found this site to help keep my hard earned money to myself!


Yeah, I am so happy (and lucky to do this without help) I only pay .13% and literally keep thousands of dollars in costs every year and still get my expected returns for a 65% bond/35% equity portfolio.
by sschullo
Sat Aug 01, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 239
Views: 20050

Re: Free Windows 10 Upgrade, Yes or No?

Is there some way to verify all my programs are compatible with Win 10 without going through the install process? The Get Windows 10 icon that was added to most people's system tray will tell you. There should be a Check your PC option (which has probably already been automatically run).... The onl...
by sschullo
Sat Aug 01, 2015 11:25 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 239
Views: 20050

Re: Free Windows 10 Upgrade, Yes or No?

I checked the regular windows update and went to Microsoft.com Windows 10. Did not fine the link that you sent me.
Anyway, thank you!
Yes, I want to do a clean install.
Thanks again.
by sschullo
Sat Aug 01, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 239
Views: 20050

Re: Free Windows 10 Upgrade, Yes or No?

Been waiting for two days and still have not gotten the notice. I know Microsoft is sending it out in waves with the developers and beta testers first, anybody know the schedule when us regular users will be next?
by sschullo
Thu Jul 30, 2015 8:21 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 239
Views: 20050

Re: Free Windows 10 Upgrade, Yes or No?

I agree if you have the money for their expensive products. I could afford them but I did not want to pay excessively high prices. $1300 for their cheapest laptop, http://store.apple.com/us/buy-mac/macbook/gold-256gb?afid=p238%7CjSTalTPw-dc_mtid_1870765e38482_pcrid_57185079010_&cid=aos-us-kwg-p...
by sschullo
Tue Jul 28, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Just Got Financially Independent
Replies: 32
Views: 3033

Re: Just Got Financially Independent

Great accomplishment, congrats. Its also a great accomplishment each year to celebrate saving and investing a part of one's salary and stick with it through good times and not so good.
by sschullo
Tue Jul 28, 2015 5:06 pm
Forum: Investing - Theory, News & General
Topic: Why is stock market so reactionary to news on daily basis?
Replies: 46
Views: 2800

Re: Why is stock market so reactionary to news on daily basis?

Noise. +1000. My hubby and I wrote an article published in the Huffington Post about market noise way back during the summer of 2012 when the topic of the day was debt ceiling debate, remember? I forgotten the topic too! Its funny how those scare topics come and go and nothing happens. http://www.h...
by sschullo
Tue Jul 28, 2015 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 53
Views: 5552

Re: Where do you keep/park your emergency fund?

As Taylor said, our credit cards or just a savings account. That's it. Thanks Taylor, you got me thinking! We never had a budget either. Paid ourselves (my hubby and I) into our low cost 403(b)s first and spent the rest. We were lucky that we never needed an emergency fund. So many talk about it ove...
by sschullo
Fri Jul 24, 2015 9:17 pm
Forum: Forum Issues and Administration
Topic: Are Things Slowing Down Again?
Replies: 10
Views: 1461

Re: Are Things Slowing Down Again?

Yes, I thought the site was shut down. I tried several routes to get here. Very, very slow.
by sschullo
Sun Jul 19, 2015 11:13 pm
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 43
Views: 4093

Re: Annuities-when and why?

IMO there are 2 basic points to be made about annuities: 1) They are insurance products not investment products. If bought they should be bought at retirement not before. They can be part of a retirement portfolio not an investment portfolio 2) There are basically 2 types of annuities that make fin...
by sschullo
Sun Jul 19, 2015 7:54 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3324

Re: When did you start investing in the Market?

For those of you who began investing in the 50s, 60s or 70s, how did you start? I began investing with an investment club in 1950 when the S&P 500 Index was under 20 (today it is 2126). Best wishes. Taylor I started while I was in the military buying Series E (I believe) savings bonds. I saved ...
by sschullo
Sun Jul 19, 2015 4:31 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3324

Re: When did you start investing in the Market?

Series E bonds when I was 20 and in the military in the late 1960s, annuities at age 37 (1985) and stock market via no load mutual funds, age 46 (1994).
by sschullo
Sun Jul 19, 2015 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1162

Re: 403b Choices

I'm sure you are right Steve - you've spent years researching this stuff and I know of the battles you have fought and the frustration you have faced. In this particular case, even if the admin fee goes up, that Spartan 500 Index at .05% will still be worth using. And probably the bond fund at .20%...
by sschullo
Sun Jul 19, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: Emergency boglehead evangelist kit?
Replies: 19
Views: 2083

Re: Emergency boglehead evangelist kit?

...Hi Lady, What am I doing wrong or a bug in the rendering? Here is the output I got: https://www.bogleheads.org/w/index.php?title=Special:Book&bookcmd=download&collection_id=7a79cbb057ad3b36&writer=rl&return_to=Main+Page All I get is a blank page, as that URL is tied to the cookie...
by sschullo
Sun Jul 19, 2015 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Money Weighted Return query
Replies: 4
Views: 326

Re: Money Weighted Return query

Here is another benchmark: https://personal.vanguard.com/us/funds/tools/benchmarkreturns

Did you subtract your deposits/contributions?
by sschullo
Sun Jul 19, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1162

Re: 403b Choices

Something else is going on. This is not possible. Isn't it possible that MetLife's costs are lower in this poster's plan? It would not surprise me that the plan actually costs more to run in California than some other location. The state of CA might have some compliance requirements that other loca...
by sschullo
Sun Jul 19, 2015 10:19 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1162

Re: 403b Choices

duplicate post
by sschullo
Sun Jul 19, 2015 10:13 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1162

Re: 403b Choices

http://i58.tinypic.com/2lx8g08.png Where did this link come from? Is this something the school district provided or something you put together when comparing all the plans? Yes, this chart was provided by the school district. And the school district gets it from the third party administrator. The T...
by sschullo
Sun Jul 19, 2015 9:56 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1162

Re: 403b Choices

Steve, please educate me here. Metlife total costs are 1.02%. And that is what's reported. Where is this reported? Do you mean it is consistent with the link provided above (seems not to) or reported somewhere else? If somewhere else, why do you think that would apply to this poster's plan? Disrega...
by sschullo
Fri Jul 17, 2015 5:29 pm
Forum: Investing - Theory, News & General
Topic: Emergency boglehead evangelist kit?
Replies: 19
Views: 2083

Re: Emergency boglehead evangelist kit?

FYI - The wiki has a built-in PDF export feature, check the left-side menu for "Print/export". Build your own presentation package and distribute it everywhere you'd like it to go. 12thManRI, Welcome! Hi Lady, What am I doing wrong or a bug in the rendering? Here is the output I got: http...
by sschullo
Fri Jul 17, 2015 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1162

Re: 403b Choices

Is your wife's employer a school district? Does the employer provide a match? Metlife total costs are 1.02%. And that is what's reported. I would be very leery of just taking this list as the sole source of information. 403bs are notoriously conflicted with useless and expensive insurance coverage ...
by sschullo
Fri Jul 17, 2015 4:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 479
Views: 68049

Re: What are you up YTD? [Year To Date]

Here is our portfolio:
35%/65% Stock/Bond Split. Cost .13%


Image
by sschullo
Fri Jul 17, 2015 9:09 am
Forum: Investing - Help with Personal Investments
Topic: 403b Choices
Replies: 29
Views: 1162

Re: 403b Choices

Is your wife's employer a school district? Does the employer provide a match? Metlife total costs are 1.02%. And that is what's reported. I would be very leery of just taking this list as the sole source of information. 403bs are notoriously conflicted with useless and expensive insurance coverage b...
by sschullo
Fri Jul 10, 2015 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Interviewed about 403(b) plans and Published on M*
Replies: 14
Views: 1570

Re: Boglehead Interviewed about 403(b) plans and Published on M*

I am hoping that some day there will be a "breaking point." I believe there will be and I believe it will be sooner rather than later. Such is the way of change. Something seems impossible, then kind of like a dream or wishful thinking. Then there's a tipping point and lots of change happ...
by sschullo
Fri Jul 10, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Interviewed about 403(b) plans and Published on M*
Replies: 14
Views: 1570

Re: Boglehead Interviewed about 403(b) plans and Published on M*

W. Scott Simon who publishes articles on M* Advisor about 403(b) and other issues interviewed me about the sad state of 403b affairs. It's the first of a two-part series. This part is about the problem and next month is about one solution, the 457(b) plan and how it works with the 2nd largest schoo...
by sschullo
Thu Jul 09, 2015 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Interviewed about 403(b) plans and Published on M*
Replies: 14
Views: 1570

Re: Boglehead Interviewed about 403(b) plans and Published on M*

Pushing this up for Part 3, just published today on M* Advisor by W. Scott Simon. Attention to K-12 Boglehead teachers or friends and relatives of teachers, please pass on: http://www.morningstar.com/advisor/t/107253188/the-next-steps-for-k-12-403-b-reform.htm?&single=true Positive reform develo...
by sschullo
Wed Jul 08, 2015 8:31 am
Forum: Investing - Help with Personal Investments
Topic: First 401k. Trying to not mess up too much.
Replies: 21
Views: 1546

Re: First 401k. Trying to not mess up too much.

I would second the addition of some bonds, 10-20% of your portfolio. You have not experienced the emotions of a huge stock selloff, so you Think you know how you will react, you actually don't. Mike I second that comment and will elaborate for a moment as we are in uncertain financial times. You wi...
by sschullo
Mon Jul 06, 2015 7:13 am
Forum: Investing - Theory, News & General
Topic: How many Bogleheads tilt Value?
Replies: 49
Views: 3359

Re: How many Bogleheads tilt Value?

Using Wellington and Wellesley I tilt to large-cap dividend paying. Not small cap. Merriman thinks small cap and value tilt is the "holy grail," because of past performance for 80+ years. Its convincing to a point. My risk is primarily confined to diversified equities, not much more.
by sschullo
Sat Jul 04, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring 403b funds to Vanguard
Replies: 7
Views: 386

Re: Transferring 403b funds to Vanguard

Yeah, your spouse has to be terminated from current employer to conduct roll overs. I know the frustration about those crappy insurance company 403(b)s.
Have you asked the company to add a low cost company. Its worth a try.
by sschullo
Sat Jul 04, 2015 8:40 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 479
Views: 68049

Re: What are you up YTD? [Year To Date]

5.04% YTD as of June 2015 60% - Vanguard Institutional Index Fund 40% - Blackrock U.S. Debt Index Fund This is another possible case of weird math. The first fund has returned about 1.23% and the second fund has returned about -0.2% for the 6 months of the year. How one could get 5+% out of those t...
by sschullo
Sat Jul 04, 2015 1:57 pm
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6650

Re: Aren't we obsessing way too much about our portfolios?

On one aspect yes. The quantitative analyses is because it is sophisticated and glamorous to many here, the language of finance is best spoken by math, data and formulas and that plan that we carefully constructed. On the other hand (or the other side of our brains) is the qualitative aspect which c...
by sschullo
Sat Jul 04, 2015 9:26 am
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21703

Re: Emergdoc on Mr. Money Mustache

Dimitri, you seem very cynical and of course it is possible you may be right in the case of MMM (since I don't know him), but in real life, I know plenty of folks who live comfortable, happy, and modest lifestyles with no more cash spending than MMM claims to spend. They don't blog about it--they j...
by sschullo
Fri Jul 03, 2015 7:19 pm
Forum: Investing - Theory, News & General
Topic: Investors Overwhelmingly Choosing Low-Cost, Passive Funds
Replies: 7
Views: 1242

Re: Investors Overwhelmingly Choosing Low-Cost, Passive Funds

Paul, Just some off-the-cuff observations: You are probably right as investors chase returns and then bail out when Mr. Bear comes around. However, also during 2003, the NASDAQ returned 50% and I may be wrong but I did not see a lot of people going back into that index. The other numbers are impress...
by sschullo
Fri Jul 03, 2015 6:43 pm
Forum: Investing - Theory, News & General
Topic: Are REITs necessary in a portfolio? Why?
Replies: 119
Views: 12962

Re: Are REITs necessary in a portfolio? Why?

dc81584 wrote:Nope.


+1. No commodities and no tax advantaged bond funds either (only for ultra wealthy with high taxable incomes). Just a plain vanilla equity and bond portfolio.
by sschullo
Fri Jul 03, 2015 4:53 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 479
Views: 68049

Re: What are you up YTD? [Year To Date]

Netherworld wrote:basically flat.


Yeah, same here. Got a slim $4,849.00 gain on a 7 figure portfolio with a 35% equity/65% bond allocation. I'll take it. :sharebeer
by sschullo
Fri Jul 03, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9204

Re: What age did you become debt free and what opportunities did it create?

Age 57, ten years ago.
As a public school teacher, I did not make enough to max out my 403(b), paying off the mortgage allowed me max out and thus help recover our portfolio from our massive investing mistakes made during the 2000-2002 crash.
by sschullo
Thu Jul 02, 2015 9:48 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21703

Re: Emergdoc on Mr. Money Mustache

One thing I've taken from MMM's writings and similar writings by other philosophers is to really analyze everything you spend money on for how much happiness it brings you. This is one of the most beneficial things I've ever done for myself financially, and in general. It allowed me to jettison a l...
by sschullo
Thu Jul 02, 2015 9:25 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21703

Re: Emergdoc on Mr. Money Mustache

I would like to write about both of these young men: MMM and emergdoc. It doesn't surprise me that our emergdoc wrote about MMM. While they pursue wildly different lifestyles, they are extraordinarily alike in their goal of achieving a rich and rewarding life for themselves. Both are a brilliant yo...
by sschullo
Thu Jul 02, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 19813

Re: Do you buy used cars like a Boglehead actually should?

During my working years, I could not afford a new car and invest in my 403(b) plan. So I bought used cars. Here in California used cars last a long time. I am extremely lucky that I only wanted a car to go from point a to point b and didn't need any kind of expensive status statement. Over my workin...
by sschullo
Thu Jul 02, 2015 1:40 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21703

Re: Emergdoc on Mr. Money Mustache

I would like to write about both of these young men: MMM and emergdoc. It doesn't surprise me that our emergdoc wrote about MMM. While they pursue wildly different lifestyles, they are extraordinarily alike in their goal of achieving a rich and rewarding life for themselves. Both are a brilliant you...
by sschullo
Mon Jun 29, 2015 11:35 pm
Forum: Investing - Theory, News & General
Topic: Being Mr. Bogle's Company has 3 Trillion Dollars
Replies: 15
Views: 2159

Re: Being Mr. Bogle's Company has 3 Trillion Dollars

dewey wrote:
Fallible wrote:FWIW, I admire John Bogle not for what personal fortune he might have given up, but for knowing what is "enough." And then writing a book about it. :happy

+1

+2
by sschullo
Mon Jun 29, 2015 6:26 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 25958

Re:

My interpretation of "stay the course" is to have a plan that is not reacting to daily or monthly news. Rather it should backtest reasonably robustly. That includes buy-hold of various asset classes. Right on! Heck, our portfolio is down $50 grand (-4.0%) from its high a couple of months ...
by sschullo
Thu Jun 25, 2015 11:29 pm
Forum: Investing - Theory, News & General
Topic: Interest rate risk and bonds
Replies: 8
Views: 972

Re: Interest rate risk and bonds

Short term or intermediate term bonds. Have a total plan that you can live with: diversification, low costs, the usual boring strategies that we discuss here everyday. There will always be risk, not just interest rate risk.
by sschullo
Thu Jun 25, 2015 11:24 pm
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 5454

Re: Did 2008 change your investing strategy?

Nope, but the 2000-2002 crash certainly did!!!!
by sschullo
Thu Jun 25, 2015 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Couples and money and compatibility
Replies: 38
Views: 4395

Re: Couples and money and compatibility

mptfan, Why not create survey? Or has it been done already? Because the poll feature has been disabled. https://www.bogleheads.org/forum/viewtopic.php?t=164952 I didn't know this. What a loss. My favorite was the end of the year poll to compare my portfolio to the other Boglehead's returns, to see ...
by sschullo
Thu Jun 25, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Couples and money and compatibility
Replies: 38
Views: 4395

Re: Couples and money and compatibility

mptfan, Why not create survey? Or has it been done already? I would predict that most Bogleheads are cat. # 1. As Bogleheads we are lucky that we know something about investing enough to know how costs affect investments, that we have spouses that share the same philosophy about money and saving, we...

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