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Re: How do you keep your electricity bill low?

A roof full of solar panels. Works like a charm. But you have to own the right exposure to old sol (house on the right axis, minimal shade trees, etc.)
by steve roy
Thu Sep 04, 2014 2:13 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9098

Re: Does your employer still offer pensions to new hires?

Motion picture and television jobs covered by entertainment unions (Writers Guild, Directors Guild, IATSE, Screen Actors Guild-AFTRA) have defined benefit plans, as they have since the 1940s and 1950s. There are large, jointly-administered Taft-Hartley plans that cover a large percentage of these wo...
by steve roy
Mon Sep 01, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3818

Re: Why is my 401k and taxable considered "One Portfolio"?

I just think of my money stash as"My Assets". I keep money I need to access in the next few years in short term bond and money market funds, but I still consider it as part of my total portfolio asset mix of 70 % bonds/ 30% stocks. Tax deferred accounts or investment accounts, it's all one...
by steve roy
Sat Aug 30, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why is my 401k and taxable considered "One Portfolio"?
Replies: 37
Views: 2840

Re: What Book Are You Currently Reading? Part V

Re-reading Gore Vidal's "Lincoln" after a thirty-year break. It's about 85% history and about 15% fiction, with a lot of Vidalesque embroidery that makes it vivid and allows it to sing. Like it a lot. (I REALLY like Vidal's essays.)
by steve roy
Sat Aug 23, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3344
Views: 1146159

Re: Starting a Lazy Portfolio Now

What Taylor Larimore said. But ... here's the important thing. Make a plan: It might be All At Once; Every Two Weeks For Ten Weeks; Every Four Weeks For Nine Months; Once A Quarter In A Twelve-Month Cycle. But make a decision about strategy, and then stick with it. And don't look back. Because if yo...
by steve roy
Sun Aug 10, 2014 11:59 pm
 
Forum: Investing - Theory, News & General
Topic: Starting a Lazy Portfolio Now
Replies: 21
Views: 3569

Re: Who or what inspired you and your investing approach?

Trial and error. The errors were driving me nuts. I had a smiling "financial advisor" who was earning less than the S &P 500 even as he was taking 2% off the top. And I was too thick to know that was a teensy bit exorbitant. So finally I fired the advisor. But then I got into following...
by steve roy
Sun Aug 10, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4415

Re: Vanguard Star Fund Vs. Lifestrategy Moderate Growth Fund

Over the previous ten years they've performed in similar ways, with a percentage edge to STAR. The two get their results in different ways. Lifestrategy is a fund of index funds, and STAR is actively managed and twice as costly. Toss a coin and choose your path to riches. Or split the two of them do...
by steve roy
Thu Aug 07, 2014 1:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Star Fund Vs. Lifestrategy Moderate Growth Fund
Replies: 2
Views: 633

Re: Reliability of stock data prior to 1939?

So when we analyze (and make investment calculations on) ancient stock data, we're basing it on guesstimates that might be wildly inaccurate.

Reassuring.
by steve roy
Sun Aug 03, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Reliability of stock data prior to 1939?
Replies: 14
Views: 878

Re: How Much Did You Lose Today?

The correction brought me back PRECISELY to my 70% bond/30% stock allocation. So no need to rebalance.
by steve roy
Fri Aug 01, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15027

Re: Daily Telegraph: World War One Archive

I love this kind of stuff. When I was a kid, I went to the library and dragged out bound copies of LIFE magazine, and later, volumes of old Harper's Weekly back to the Civil War. They gave me a window on older, different worlds -- attitudes, cultural mores, what people considered important, etc. Old...
by steve roy
Mon Jul 28, 2014 12:33 am
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 115
Views: 8741

Re: What Book Are You Currently Reading? Part V

"Lincoln" by Gore Vidal. Read it thirty years ago, and it holds up. Covers the same ground as Ms. Goodwin's book on Lincoln, but Vidal is inside everyone's head (save Lincoln). What it highlights for me is that national politics has a familiar, recognizable through line. The political play...
by steve roy
Sat Jul 26, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3344
Views: 1146159

Re: Please evaluate tentative plan for total portfolio overh

At your age, you should strive for simplicity and low costs. The Three Fund Portfolio would suit you. if you didn't have room for bonds in your tax advantaged space, you could go with VG Intermediate Tax Exempt.

There is always time to complicate things up later, when you reach Admiral Share class.
by steve roy
Tue Jul 22, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Please evaluate tentative plan for total portfolio overhaul
Replies: 16
Views: 1326

Re: Poll: Has your AA changed in the last 18 months

Nope. Same 30% stock/70% bond with small value cap tilt. No plans to change.
by steve roy
Sun Jul 20, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3758

Re: Income Property...in a different city?

We own a house in another city. We rent it now, with an expectation of moving into the place in three years.

We have a management firm that handles the rent collection. No problems, and they charge a mere $80 per month.
by steve roy
Thu Jul 10, 2014 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Income Property...in a different city?
Replies: 5
Views: 546

Re: POLL: How Old is Your Newest Motor Vehicle? -- REVISED

We have a 2003 Volvo S60, and three Saturn Vues (orphan cars!) -- 2003, 2005 and 2006.

We got deals on all of them.
by steve roy
Tue Jul 08, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle? -- REVISED
Replies: 51
Views: 3080

Re: Help with AA and priorities!

The folks that run your plan seem to like high-cost options. Given your choices, I think what you've got is fine, but if it were me, I'd mount an uprising against the Powers-That-Be for lower cost index funds. I truly don't know what the fiduciaries for this particular line-up are thinking. (Actuall...
by steve roy
Mon Jul 07, 2014 1:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA and priorities!
Replies: 9
Views: 962

Re: Petition for Vanguard - Tax Managed Life Strategy

My suggestion would be to use the patented "Three Fund Portfolio," substituting Vanguard Intermediate Tax Exempt for Total Bond.
by steve roy
Fri Jul 04, 2014 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Petition for Vanguard - Tax Managed Life Strategy
Replies: 5
Views: 454

Re: POLL: Are You Re-Balancing?

Haven't needed to rebalance in a few years. Still at 70% bonds/ 30% stocks (value tilt). 6.1% annual gains over last sixty months ... and I'll take it.
by steve roy
Fri Jul 04, 2014 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5036

Re: 70 and need Portfolio Help First Post

If you want things simple, use Life Strategy Moderate Growth and Life Strategy Conservative Growth for tax advantaged money. Divided equally, they give you a 50/50 allocation. I doubt that you would have to rebalance very much. For the money outside of tax advantaged, dump expenses for the next 2-3 ...
by steve roy
Wed Jul 02, 2014 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 70 and need Portfolio Help First Post
Replies: 6
Views: 623

Re: Vanguard - Energy Fund

I held Vanguard's energy fund for a lot of years, but don't anymore. My wife was in Vanguard's Precious Metals, but isn't anymore. I've found that when I invest in sectors, it's much easier to bail out of one under-performing fund or another, and harder to "stay the course." So now, on the...
by steve roy
Wed Jul 02, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - Energy Fund
Replies: 31
Views: 4014

Re: Retired Bogleheads want to relocate to California

Just had a fifty acre wild fire two miles from our California house. First of the season.
by steve roy
Tue Jun 24, 2014 2:41 am
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 7035

Re: Late starters: what age did you start investing?

Didn't get seriously started saving for retirement until age forty. What saved the family bacon was the Mrs. And I were in Taft-Hartley pension plans from our twenties. The wife intends to retire at 62. I'll exit the work force three weeks shy of my 68th birthday. We'll both take Social Security at ...
by steve roy
Fri Jun 20, 2014 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 73
Views: 5701

Re: vbmfx and rising intrest rates

The net asset value (the market price of older bonds) goes down, but you get higher interest payouts. Over a few years the two things balance out. Hang in for the length of duration and you'll be fine.
by steve roy
Sun Jun 15, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: vbmfx and rising interest rates
Replies: 11
Views: 553

Re: I cannot make the jump and retire

I can't count myself as a shining model for early retirement, but here's a couple that successfully did it:

https://sites.google.com/site/paulvicgroup/Home

http://www.retireearlylifestyle.com/pau ... erview.htm
by steve roy
Sat Jun 14, 2014 1:14 am
 
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 73
Views: 8226

Re: Vanguard is number one!

Ah. Corporate acquisitions! That's the ticket!
by steve roy
Sun Jun 08, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard is number one!
Replies: 15
Views: 2329

Re: Car for a long daily commute

Having grown up in L.A. and Orange Counties, that is one miserable commute unless your Mrs. drives in off-peak hours. (Although the 405 is a bit better than the 5. I don't think Cal Trans will end the roadwork on the interstates during my lifetime. I am thoroughly sick of all the t-rails littering f...
by steve roy
Sun Jun 08, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 6032

Re: What are you doing with the market at an all time high?

Not a d*mn thing. I've got my asset allocation, and I'm sticking to it.
by steve roy
Sun Jun 08, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6584

Re: Pull-ups and Push-ups

... I find the rowing machine which I have used on and off for several years to be a good all around exercise, if boring. Not only good for the back and shoulders, but also mimics (more or less) how we often have to work in real life. Lots of jobs call for reaching down towards your feet, grab some...
by steve roy
Sat Jun 07, 2014 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 40985

Re: Why does rebalancing increase expected returns?

Look at this ...

viewtopic.php?t=477

Then look at the Wiki. That should help. Theoretically, rebalancing causes you to buy low(er) and sell high(er).
by steve roy
Sat Jun 07, 2014 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why does rebalancing increase expected returns?
Replies: 45
Views: 2448

Re: Pull-ups and Push-ups

I think many people who exercise regularly (and I've been in that category since age eighteen) ... a) Know what works for them, BUT b) Do too much of a good thing from time to time, because they desire to push the envelope and achieve some new "personal best." When I was thirty, I could do...
by steve roy
Sat Jun 07, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 40985

Re: Pull-ups and Push-ups

Personal update. Late 50s. Male. Very active but little natural physical talent. A cautionary tale. I ended up with a bum shoulder last fall and over the winter. I had been doing frequent 100 pull up sessions, 1, then 2, then 3,... up to 10, then down again. Sometimes I would do 1 pullup, 1 chin up...
by steve roy
Sat Jun 07, 2014 12:11 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 40985

Re: 30 Yr TIPS auction 6/19: 1.25% real yield? any takers?

Grok,

I followed Taylor Larimore's lead a couple of years ago and swapped out my Vanguard TIPS fund to Vanguard's Short Term TIPs. No plans to buy individual Treasuring Inflation Protected Securities, I will just stand pat with the Short Term Fund. And probably add to the position before I retire.
by steve roy
Fri Jun 06, 2014 11:57 pm
 
Forum: Investing - Theory, News & General
Topic: 30 Yr TIPS auction 6/19: 1.25% real yield? any takers?
Replies: 59
Views: 4514

Re: Vacationing in Seaside Florida?

When our kids were little, we did summer vacations in Avalon on Catalina island off the Southern California coast. Few cars, mainly bikes ... and golf carts as far as the eye can see. So-so beach but great snorkeling, since the glass-bottomed boats shovel food into the water all day long and there a...
by steve roy
Sat May 31, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Vacationing in Seaside Florida?
Replies: 13
Views: 1389

Re: What Book Are You Currently Reading? Part V

I've been reading "Double Down" and "Game Change", histories of the 2012 and 2008 U.S. Presidential Campaigns, written by journalists Mark Halperin and John Heilemann. Both books are good, breezy reads; I'm a political junky so I've been in hog heaven while reading them. I rememb...
by steve roy
Fri May 30, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3344
Views: 1146159

Re: What would be considered the best Boglehead car?

Me, I always go for an out-of-favor vehicle with low miles that is also durable. We purchased a Saturn Vue eleven years ago, (the four-banger, with five-speed stick) and it's churning right along. The 2.2 GM engine of the era (still around as a 2.4) works well and has required minimum upkeep. We sti...
by steve roy
Fri May 23, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would be considered the best Boglehead car?
Replies: 43
Views: 4178

Re: Poll: Do you own Total Bond Market?

The Mrs. holds it in Target Retirement Income. I opt for other Vanguard bond funds.
by steve roy
Sun May 11, 2014 3:01 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own Total Bond Market?
Replies: 50
Views: 4524

Re: POLL: What will 30 year mortgage rates be in three years

I will sit this poll out, since I'm retired from the carny side show business and I have sold off my tarot cards and jeweled turban.
by steve roy
Sat May 10, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What will 30 year mortgage rates be in three years?
Replies: 6
Views: 580

Re: Why is Two Fund Less Popular Than Three Fund Portfolio?

The Admiral funds I've got now --all fourteen of them -- cost me 11 basis points. I MIGHT save 2 or 3 points, maybe as much as 4 , if I went the 3 fund route. But I don't think the spread is enough to make much difference.

So I will stick with my slice and dice strategy.
by steve roy
Fri May 09, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Two Fund Less Popular Than Three Fund Portfolio?
Replies: 145
Views: 10672

Re: Why is Two Fund Less Popular Than Three Fund Portfolio?

but we always come back to the the three fund. Speak for yourself. I like the Three Fund concept well enough, but don't actually DO it. I have a lot more funds in the tool kit and tilt to small cap and value, also have an array of bond funds (more than I need). I heard it said here, "Oh, I wan...
by steve roy
Fri May 09, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Two Fund Less Popular Than Three Fund Portfolio?
Replies: 145
Views: 10672

Re: Blog: Harry Browne's Permanent Portfolio

... As for manipulation, honestly I don't read or pay attention to the stories. If the markets think gold prices need to go up, they will go up. The bigger the problem, the more the price will go up. There are no manipulators in the world that will be able to control it. I've got two names for you,...
by steve roy
Wed Apr 30, 2014 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Harry Browne's Permanent Portfolio
Replies: 38
Views: 3919

Re: Mea culpa

The question is: Do you have NEED to be heavily weighted in stocks, regardless of what Uncle Warren says? I'm a wee bit overweighted in bonds for my age, but I don't care. I'm close to having a comfortable stash, and I'm not interested in blowing it now. I've got three more years of accumulation, an...
by steve roy
Wed Apr 30, 2014 12:02 am
 
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 5414

Re: Bonds in Taxable accounts or IRA?

Over the course of saving, you'll probably have bonds in both the tax-deferred and investment columns. I don't think this is a bad thing. The Wiki says bonds should fill the tax deferred space first, but if you can't do that with your asset allocation percentages, then go with Vanguard's tax exempt ...
by steve roy
Tue Apr 29, 2014 11:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in Taxable accounts or IRA?
Replies: 6
Views: 491

Re: Asset Allocation Help - New Funds Added to 401K

'Twere me, I would use the Vanguard funds, Extended Market and Total bond in particular. Go for broad diversification and low cost. Then hang in there.
by steve roy
Mon Apr 28, 2014 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help - New Funds Added to 401K
Replies: 6
Views: 993

Re: POLL: the WORST financial advice you've given/received?

Worst advice was a broker getting me to invest in single stocks. Fifteen years of buying and selling (and commissions) delivered less performance than Vanguard's S & P 500 index fund. (Of course, the broker would have been less well off, but you can't have everything.) Worst advice for a family ...
by steve roy
Sun Apr 27, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: POLL: the WORST financial advice you've given/received?
Replies: 61
Views: 15200

Re: What Book Are You Currently Reading? Part V

... All of which will take you to the 'Master and Commander' novels of Patrick O'Brian. Memorably filmed with Russell Crowe and Paul Bettany ( The Far Side of the World ). The Company fleet in Downbelow Station is very much based upon life on board Royal Navy ships during the Napoleonic Wars, and n...
by steve roy
Sat Apr 26, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3344
Views: 1146159

Re: Never knew what a horrible "investment" Social Security

You're comparing apples to avocados. Social Security isn't an investment program, it's a federal insurance program that covers widows, orphans, folks with disabilities, etc. It's kind of like saying your car is a really lousy boat. Except for perhaps a 1967 Volkswagen beetle, the "boat" wi...
by steve roy
Fri Apr 25, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Never knew what a horrible "investment" Social Security is
Replies: 10
Views: 1256

Re: If you have ACA health insurance, what is your experien

The main reason folks seem to be happy with the ACA is others are paying a portion of their premium. It would be interesting to know how much we taxpayers paid in Jan, Feb and March to the insurance companies for these subsidies. I believe a big mistake was made to only use income as the qualifier ...
by steve roy
Thu Apr 24, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 222
Views: 16503

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

I'm under-weighted in domestic mid caps -- 20% of the portfolio. Reading your post and looking at the performance charts makes me pause and reflect. Maybe I should re-think my small value tilt a little bit.
by steve roy
Sun Apr 20, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 46
Views: 4475

Re: Beware Vanguard DOES NOT update all your account values

Livesoft, Good catch. I, too, have noticed the discrepancy. So I always go (went) to balances and accounts for the up-to-date version. Unlike you, I was too lazy to figure out WHY there was a discrepancy. I kind of noted it was due to the ETFs but never analyzed it closely. So, thanks for the analys...
by steve roy
Sat Apr 19, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 5655

Re: A Dictionary and a World Atlas: Recommendations?

How about the Oxford two-volume dictionary (with magnifying glass)? That's the pinnacle, isn't it? Since the internet and google, I don't bother much with dictionaries or atlases. I have several of each lying around the house but I mostly go to the laptop when I need something. By and by the resourc...
by steve roy
Sat Apr 19, 2014 1:54 am
 
Forum: Personal Consumer Issues
Topic: A Dictionary and a World Atlas: Recommendations?
Replies: 14
Views: 1115
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