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Re: Relatively new here. What did you do in 2008/09

adopted a much more conservative asset allocation plan so i could sleep better at night and not worry about market swings.. i'm glad i did. personally, didn't suscribe to the QE train. Again, glad i did. the market contracts every time the fed tries to take away the steroids (as is the case now as w...
by staustin
Wed Oct 15, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 9921

Re: Living trust vs will

having just gone through the painful probate process in Louisiana, associated with my father's meager estate, I immediately asked for an estate attorney recommendation from trusted friends. I found a wonderful lady, in solo practice. The fees were minimal but the guidance excellent. I've now establi...
by staustin
Thu Jun 19, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Living trust vs will
Replies: 26
Views: 2763

Re: Is now a bad time to invest?

I'm the counterpoint I suppose to the 'buy and hold' forever theory... I'm a huge student of economics. As such, it's been well documented that the economy is still on very fragile footing. Current stock prices more accurately represent the effects of Quantitative Easing than strong underlying econo...
by staustin
Thu May 22, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to invest?
Replies: 100
Views: 10090

Re: Mr. Money Mustache: Hero or Foolish?

I like him as well. In my mind, any and all voices that speak to living more simply, being frugal, spending more time enjoying life by not participating in the relentless pursuit of more and great material things, are welcome and should be encouraged. His blog was my motivation to buy a bike.. "...
by staustin
Mon Mar 31, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 37064

Re: Boglehead Beer

For those of you in central and south texas, Indio is now available. My two standby's are Shiner Bock and Indio.

Huge fan of Odell Brewery... i now drive to Colorado for my annual summer retreat from the heat and load the cooler up for the return trip.
by staustin
Sun Aug 25, 2013 10:51 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 407
Views: 52515

Re: Extreme Early Retirement

CONGRATULATIONS! An amazing accomplishment to have those kinds of assets at 37. If you've structured your expense side to live below a 4% withdrawal rate, absolutely take the plunge. Consider various types of passive income as well... there are numerous posts on the topic, from dividend stocks to re...
by staustin
Sun Aug 04, 2013 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 12552

Re: Why is the Market having a major sell off?

sadly, it's because central banks MAKE THE MARKETS today and hold vast amounts via purchases. Even a whiff that the punch bowl will be taken away is causing panic. even more of a reason to do it immediately lest it become more and more difficult, near impossible, in the months ahead. a ridiculous un...
by staustin
Thu Jun 20, 2013 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Why is the Market having a major sell off?
Replies: 121
Views: 8223

Re: philosophical AA question - if you have hit your retirem

many thanks! Blue, appreciate the link to the article.
by staustin
Mon Apr 08, 2013 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: philosophical AA question - if you have hit your retirement
Replies: 10
Views: 616

philosophical AA question - if you have hit your retirement

n the "anyone selling" thread, someone mentioned they had hit their target # to live comfortably in retirement. This started me thinking so though i'd pose the question in a separate thread. I'm very close to hitting a # where i think i could live comfortably at my current standard of livi...
by staustin
Mon Apr 08, 2013 11:47 am
 
Forum: Investing - Theory, News & General
Topic: philosophical AA question - if you have hit your retirement
Replies: 10
Views: 616

Re: unexpected danger to bank accounts ...

valuethinker has it exactly right... there have been a few folks making the point over and over that intentional negative real interest rates equate to a stealth tax/destruction of value. Yet, people seem oblivious...

Gold's appeal is yet again apparent versus a fiat currency.
by staustin
Mon Mar 18, 2013 8:04 am
 
Forum: Investing - Theory, News & General
Topic: unexpected danger to bank accounts ...
Replies: 27
Views: 2737

what is the max % concentration in a single stock?

My privately held employer merged a month or so ago and is now publicly traded. i was fortunate enough to monetize 10 years of iso's. While i'm excited, i'm now staring at a single stock 30+% concentration of my investable assets.... i plan to sell down to 10 to 15%. What is the forum's thoughts on ...
by staustin
Thu Dec 27, 2012 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: what is the max % concentration in a single stock?
Replies: 6
Views: 426

Re: What do I need to know about diesel German cars?

2010 jetta tdi owner.... wife and i LOVE, LOVE that car. Always a toyota owner before. For performance and mileage, it's easily the way to go. Don't buy one though unless there is a reliability german mechanic in town. Fortunately we have a shop just down the street that's very affordable. Otherwise...
by staustin
Thu Jul 12, 2012 7:15 am
 
Forum: Personal Consumer Issues
Topic: What do I need to know about diesel German cars?
Replies: 32
Views: 3151

Re: question regarding medicaid and helping a sibling

all, many thanks for comments. most helpful.
by staustin
Wed Jun 27, 2012 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: question regarding medicaid and helping a sibling
Replies: 7
Views: 634

question regarding medicaid and helping a sibling

My father passed away a few weeks ago. We are in the process of probating his small estate. It's minimal with a small ira, a pension, a small house and a vehicle. My mother has been placed in a nursing home. We will be spending down their estate paying for her care until such time as she qualifies f...
by staustin
Tue Jun 26, 2012 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: question regarding medicaid and helping a sibling
Replies: 7
Views: 634

Re: 529 vs CD's for college education

Cd's........ My son did poorly his first year in school and is not returning. I'm glad my funds were not in a 529.
by staustin
Fri May 25, 2012 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 vs CD's for college education
Replies: 8
Views: 959

Re: Your asset allocation, and why?

I'm 43: 45% bonds 21% cash 13% TSM 5% Emerging markets 9% gold/commodities 7% reits I'm working my bond exposure down. My long term goal is to get to a 4 X 25 construction of cash, total bond market, stocks, commodities/reits. I'm increasing commodities/hard assets as the fed repression continues. I...
by staustin
Wed Mar 21, 2012 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Your asset allocation, and why?
Replies: 46
Views: 5206

Re: If you had shares in a small privately-held company....

I'm struggling with this issue myself. I was awarded a decent number of shares in a company that I work for. While private, there are over 400 shareholders, therefore it's treated as a non-traded public company. It's a sizeable, private held company. The amount of cash I need to excercise my options...
by staustin
Sat Mar 10, 2012 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: If you had shares in a small privately-held company....
Replies: 9
Views: 1271

Re: Math help in foreign cd's

It's a highly risky means of stretching for yield. Unless you visit the country annually, plan to move there, or have some sort of residence and need to transact business, best avoided. Buy hard assets instead. At least this way you can put them in a vault in your house or safe deposit box.
by staustin
Tue Feb 28, 2012 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Math help in foreign cd's
Replies: 6
Views: 808

Re: PRPFX Permanent Portfolio

Lots and lots of discussion on this topic and the permanent portfolion in general to be found in other threads. I subscribe to permanent portfolio theory and I own the fund. It's expensive no doubt but I can't stomach owning the various 4 pieces individually and watching 25 to 50% of it crashing at ...
by staustin
Tue Feb 28, 2012 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: PRPFX Permanent Portfolio
Replies: 2
Views: 356

Re: TIAA Direct - High Yield Savings 1.24 APY

sigh.... first hsbc direct, then am ex online and now, looks like, i'm headed to tiaa direct. The sad yield chase continues.
by staustin
Fri Feb 24, 2012 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: TIAA Direct - High Yield Savings 1.24 APY
Replies: 23
Views: 2569

interesting articles today on cnnfn regarding local currency

Being a fan of economics and anthropology, I find these sorts of articles and social experiments very interesting. Article mentioned 11 separate local currencies and the impact it was having on impoverished areas experiencing "skewed wealth distribution". No agenda here... just wanted to p...
by staustin
Tue Feb 21, 2012 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: interesting articles today on cnnfn regarding local currency
Replies: 1
Views: 201

Re: New AMEX Blue Cash rewards lowered

6% on groceries, 3% on gas is still excellent.
by staustin
Mon Feb 13, 2012 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: New AMEX Blue Cash rewards lowered
Replies: 9
Views: 1788

Re: Many Sad Stories of the Downwardly Mobile

most interesting... blevine, hong kong and value thinkers comments I find most insightful. "wasteful consumption".. very true. I've posted numerous times my weariness regarding being questioned, judged, looked down upon my by colleagues and neighbors for living in in the same small house t...
by staustin
Sun Feb 05, 2012 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Many Sad Stories of the Downwardly Mobile
Replies: 42
Views: 2496

Re: How is your relationship with money?

i'd say my struggle with money is borderline unhealthy. my wife and I drive very old cars and live in a tiny house. With regard to the car, hers was in very poor shape. After reaching the point of near divorce threats (an idle threat of course as we're happily married) we took the plunge and upgrade...
by staustin
Tue Jan 31, 2012 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is your relationship with money?
Replies: 54
Views: 3766

Re: PIMCO commodityrealreturn strategy Questions

i own the fund. it's a hybrid though in that the fund is really treasuries... they purchase futures contracts only. Regardless, I count it in my commodities asset allocation. active mgt is the only way to go in this sector.
by staustin
Thu Jan 26, 2012 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO commodityrealreturn strategy Questions
Replies: 12
Views: 736

Re: Fed Says No Rate Hikes Until at Least Late 2014

when you have structural deficits funded by fiat currencies, combined with a central bank holding rates artifically low for an extended period (obvious financial repression) you have no choice but to think in terms of hard assets....i.e., gold or real estate. This should serve as both a store of val...
by staustin
Wed Jan 25, 2012 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Fed Says No Rate Hikes Until at Least Late 2014
Replies: 73
Views: 5915

Re: Saving to pay cash for car

well, congrats to you first of all for accomplishing the "no debt except the mortgage" point. That's a big one. Not that many people have the necessary wisdom and discipline. You absolutely should pay cash for a car. Never put debt on a depreciating asset.. never have any debt except for y...
by staustin
Thu Jan 19, 2012 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving to pay cash for car
Replies: 28
Views: 1691

Re: Boglehead house size

Family of four (used to be 5, but, the oldest has left for college), right around 1900 sf. Smallest home in our neighborhood by far. We could afford much more but we have decided to live simply, on purpose. i sense many of our neighbors think we're poor... very funny, actually.
by staustin
Tue Dec 27, 2011 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead house size
Replies: 61
Views: 3691

Re: Decision Paralysis re Short-term Investing

If you're vehicle is already 12 years old, with higher mileage, think you're on the right track with parking a car replacement portion in a money market account. I always thought that if I could get 10 years out of a vehicle i was doing fairly well. But, I have a somewhat long daily commute. You mig...
by staustin
Thu Dec 15, 2011 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Decision Paralysis re Short-term Investing
Replies: 6
Views: 602

Re: Do Bogleheads hire maid services?

As for our household, absolutely not... we clean our own home, we wash our own car, we cut our own grass..
by staustin
Mon Dec 12, 2011 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Do Bogleheads hire maid services?
Replies: 47
Views: 2713

Re: Magic Jack Phone service

Another vote for ooma. Going on a year now and very pleased. Call quality is excellent.
by staustin
Sat Dec 10, 2011 12:10 am
 
Forum: Personal Consumer Issues
Topic: Magic Jack Phone service
Replies: 34
Views: 3407

Re: Live Dangerously ?

Personally, i've a big chunk of funds in an emergency cash account (am ex personal saver earning 1%). If nothing else, i sleep well at night. I stand by the view that only those dollars which you think you could completely lose should be invested in equities... particularly against the current dysfu...
by staustin
Thu Dec 08, 2011 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Live Dangerously ?
Replies: 27
Views: 1906

Re: advice

I've a good friend that is a professional money manager. Over dinner a few weeks ago, he make the argument that he's advising a good number of his clients simply to purchase annuities. That, against the current backdrop, could not argue against it given the return. It seems to me that it's a persona...
by staustin
Tue Dec 06, 2011 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: laddered cd's or deferred variable annuity with gurantees
Replies: 10
Views: 674

Re: Beer Brewing Kits.............

I've nothing to contribute other than to say god bless you wives that purchase beer kits for your husbands!!! (grin) :sharebeer
by staustin
Tue Dec 06, 2011 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Beer Brewing Kits.............
Replies: 20
Views: 1217

Re: REITS VS Direct Real Estate Investing?

In my own personal AA, i maintain a 5% real estate allocation to reits. I've never included my home equity in that #, although I suspect I should. There have been varying arguments on this board discussing the fact that owning reits is not the equivalent of truly owning r/e. I tend to agree but I do...
by staustin
Tue Nov 29, 2011 11:32 am
 
Forum: Investing - Theory, News & General
Topic: REITS VS Direct Real Estate Investing?
Replies: 80
Views: 5657

Re: Any Coffee Geeks?

To the home roasters - certainly intrigued by this idea. What has been your experience in learning to do it properly? What green beans do you prefer/recommend? is is something you enjoy or truly something to save money?
by staustin
Sun Nov 27, 2011 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Any Coffee Geeks?
Replies: 40
Views: 3823

Re: Any Coffee Geeks?

by staustin
Sun Nov 27, 2011 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Any Coffee Geeks?
Replies: 40
Views: 3823

Foreign Accounts - any suggestions

Anyone have experience opening a canadian or other foreign account? I bank with HSBC but they no longer accept accounts from the states. Many other foreign banks are now saying no thanks due to recent issues with ubs and such. How would one go about opening an account from the us? Any particular ban...
by staustin
Mon Nov 21, 2011 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Accounts - any suggestions
Replies: 0
Views: 159

Re: Burglar Deterrents

To the practical question post: sadly, i know this from personal experience, a burglar will hit a large number of homes in quick succession for electronics mostly. As I posted early, make a relatively cheap investement in simply safe. Your home will be monitored and you'll know that a potential burg...
by staustin
Tue Nov 15, 2011 9:59 am
 
Forum: Personal Consumer Issues
Topic: Burglar Deterrents
Replies: 46
Views: 3165

Re: Burglar Deterrents

Check out simplysafe. A cheap and effective way to have your home monitored. Having had my own home broken into and emptied out of electronics, best to have some sort of an alarm. At least that way you know: 1) when your home has been entered, and 2) the burglar has at most a couple of minutes. They...
by staustin
Mon Nov 14, 2011 11:01 am
 
Forum: Personal Consumer Issues
Topic: Burglar Deterrents
Replies: 46
Views: 3165

Re: Anybody retire in Mexico? or other less-expensive countr

Probalby better to visit the early retirment site. I recall lenghty discussions there about issues/lifestyles in various countries. There a good number discussing mexico specifically. I have a good friend that lives in Mexico probably a 1/3 to half of each year. From the limited amounts i've read an...
by staustin
Wed Nov 09, 2011 10:17 am
 
Forum: Personal Consumer Issues
Topic: Anybody retire in Mexico? or other less-expensive countries
Replies: 37
Views: 4184

Re: How do you live your life?

wow, there is seriously some outstanding comments and advice contained in this thread! Amazing stuff, and of course, I completely agree. I'd only add that that the pursuit of material things is a worthless pursuit. The more you have the more you realize this very fact. The joy of life.... is life! A...
by staustin
Mon Oct 24, 2011 9:02 pm
 
Forum: Personal Consumer Issues
Topic: How do you live your life?
Replies: 94
Views: 40735

had my ooma for 7 months now and loving that thing.... i don't like the call waiting either.. way to loud. I jump every dang time that thing goes off but, hey, saving 42 per month, i'm good.
by staustin
Wed Sep 28, 2011 7:39 pm
 
Forum: Personal Consumer Issues
Topic: ooma - no busy signal?
Replies: 10
Views: 1858

I've read it four times now and, sadly, no help here!
by staustin
Mon Sep 26, 2011 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: "Rising rates: A case for active bond investing?"
Replies: 15
Views: 1406

economic theory says that when you have structural deficits and fiat currencies, golds value will increase until those issues are solved. If not, ultimately the currency collapses and a gold standard is reinstated. That's been the cycle for thousands of years and I dont' think it will be any differe...
by staustin
Fri Sep 23, 2011 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Oh look - what happened to gold?
Replies: 102
Views: 10291

Link? I'm not aware of any capital controls having been imposed.....
by staustin
Mon Sep 19, 2011 7:36 am
 
Forum: Investing - Theory, News & General
Topic: Banks, Governments Move To Restrict Personal Gold Bullion
Replies: 3
Views: 658

The resulting contagion and it's impact on the market is impossible to know. 17 nations, each with it's own separate issues and voters, are not able to move like our us treasury and federal reserve did in 2008. What you can know though, is that an implosion is coming. At a minimum, a more conservati...
by staustin
Sun Sep 18, 2011 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Has the market priced-in a Greek default?
Replies: 40
Views: 3316

Meh... i've not been pleased. I'll say that customer service has been generally ok. If you need something on the weekend, you're out of luck as last time I called, an answering service handled the call. My issue is that I have a credit freeze on my account. I'm currently an account holder in good st...
by staustin
Sun Sep 18, 2011 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ally Bank
Replies: 39
Views: 4751

I own it.. it's on the expensive side no doubt but a nice vehicle to deploy the PP concept without having to try and build it yourself.. and, more importantly, stick with it when you see 25% of your portfolio crashing. Harry Browne's philosophy has stood the test of time and continues to deliver thi...
by staustin
Sun Sep 18, 2011 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio PRPFX
Replies: 30
Views: 3685

As has been discussed on this board many times before, you should be prepared to fully lose anything you allocate to stocks. Accordingly, if you agree with this logic then your stock allocation would be considered way too aggressive, not conservative at all. This seems particularly true in your case...
by staustin
Sun Sep 18, 2011 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is portfolio too conservative?
Replies: 28
Views: 3472
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