Search found 981 matches

by 1210sda
Wed Jan 27, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9268

Re: What is your favorite Financial Quote or Metaphor??

From Rex Sinquefield.

"Poor performance does not come cheap. You have to pay dearly for it".

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by 1210sda
Tue Jan 26, 2016 5:38 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9268

Re: What is your favorite Financial Quote or Metaphor??

From Larry Swedroe.

1. Don't treat the highly likely as certain, and the highly unlikely as impossible.

2. Don't confuse before-the-fact strategy with after-the-fact outcome.

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by 1210sda
Tue Jan 19, 2016 7:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Overwhelmed!
Replies: 24
Views: 5474

Re: Vanguard Overwhelmed!

Yes, I think it is the 1009's. I know mine is wrong, so I am guessing other's are too. I thought my 1099 was wrong too, until I added the foreign tax paid to what I thought was the right amount for dividends. I forgot from last year that the foreign tax paid is added to the dividends that I receive...
by 1210sda
Sat Jan 16, 2016 8:54 am
Forum: Personal Consumer Issues
Topic: Funeral costs
Replies: 76
Views: 9049

Re: Funeral costs

Very timely post.

I'm planning to "interview" three funeral homes this Spring. The comments in this post provide a lot of guidance.

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by 1210sda
Fri Jan 15, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: Hand me down I-Phone..what can I do with it??
Replies: 31
Views: 1860

Re: Hand me down I-Phone..what can I do with it??

achen9291 wrote:Run perk TV apps to make passive income. I had 10 of these phones bringing in a total of $300 per month..


how does this work?
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by 1210sda
Fri Jan 15, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Hand me down I-Phone..what can I do with it??
Replies: 31
Views: 1860

Re: Hand me down I-Phone..what can I do with it??

Of course, if you're happy using your current phone as your phone, the other poster's suggestions to use the iphone for internet browsing, music, gps, camera, and so on are good suggestions too. Yes I am. I am really surprised by the many things I will be able to do with an iPhone other than talkin...
by 1210sda
Thu Jan 14, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Hand me down I-Phone..what can I do with it??
Replies: 31
Views: 1860

Re: Hand me down I-Phone..what can I do with it??

Toons wrote:I could make phone calls with them using wi-fi apps but don't.


Thanks for the feedback.

I don't know if I could make phone calls....she ported her number to the new phone.

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by 1210sda
Thu Jan 14, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Hand me down I-Phone..what can I do with it??
Replies: 31
Views: 1860

Hand me down I-Phone..what can I do with it??

My daughter bought a new I Phone and wants to give me her old one (instead of trading it in...:-) ) What can I do with it. It won't have a plan. I have wifi at home. Can I take pictures with it? Can I browse the internet? Anything else? I currently have a cell phone from Tracfone and it's pretty bas...
by 1210sda
Tue Jan 12, 2016 10:58 pm
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 8787

Re: How common is this [Have more money 10+ years into retirement]

Retired at end of 2001. Half of this time I've been using the 3 fund portfolio. (60/40) Our withdrawal rate at the start was 3.5%. Currently around 2%. No Defined Benefit pension Am now receiving soc sec Portfolio at the end of 2015 is at 153% of the 2001 year end level(Nominal) Portfolio at the end...
by 1210sda
Tue Jan 12, 2016 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads -- How much did you spend last year?
Replies: 60
Views: 5764

Re: Retired Bogleheads -- How much did you spend last year?

I've been retired for 14 years. I'm spending about the same in total as before I retired. The categories that I'm spending on are what's different. 1210
by 1210sda
Tue Jan 05, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance for millionaires?
Replies: 61
Views: 5115

Re: Insurance for millionaires?

Once you hit the LTC facility, you can probably up your SWR to 6%+. The odds of making it 30 years in LTC is very low. Throw in your SS check and 2.5 million is probably more than enough to cover 2 people for 15+ years. Obviously small details like the difference between 65k and 85k will drasticall...
by 1210sda
Wed Dec 30, 2015 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Planning investment for spouse
Replies: 12
Views: 1046

Re: Planning investment for spouse

So I have suggested two possibilities: 1. Since all taxable assets get a stepped basis, just move all assets (taxable, tax-advantaged) into Vanguard LifeStrategy Moderate Growth and forget about trading, tax-loss harvesting, taxes, rebalancing, etc. --or-- 2. Use the Vanguard PAS and just do what t...
by 1210sda
Tue Dec 29, 2015 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Article on retirement withdrawal strategy
Replies: 81
Views: 6777

Re: Article on retirement withdrawal strategy

Let me give a simple example. You have 2k split 50/50 between stocks and bonds. Stocks are up 10%, bonds are flat and you are taking 100 bucks out equil withdrawal from bonds and stocks Stocks:1000+100- 50 = 1050 bons: 1000 -50 = 950 So now your AA isn't 50/50. Now imagine doing this over decade wh...
by 1210sda
Tue Dec 29, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Article on retirement withdrawal strategy
Replies: 81
Views: 6777

Re: Article on retirement withdrawal strategy

No it would not be equal withdrawal strategy. It would be a modification rebalancing strategy (vanguard doesn't suffer the allocation drift of the strategy looked at) not the equal withdrawal strategy. Can you explain this statement? I am under the impression that LS Mod Growth had the following AA...
by 1210sda
Mon Dec 28, 2015 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Article on retirement withdrawal strategy
Replies: 81
Views: 6777

Re: Article on retirement withdrawal strategy

Leeraar wrote:If I have all my assets in Vanguard LifeStrategy Moderate and am making withdrawals, which strategy have I implemented?
L.


Wouldn't that be the "Equal Withdrawals Strategy"??

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by 1210sda
Sun Dec 27, 2015 8:52 am
Forum: Investing - Theory, News & General
Topic: A little about Larry S
Replies: 51
Views: 7049

Re: A little about Larry S

Larry a great big Thanks from me also.

Just want you to know that "The Incredible Shrinking Alpha" is my favorite book of yours.

When I first saw it, I was disappointed because of it's size. Then I read it! Wow!

There is a lot packed into it's 87 pages (120 with appendix)

1210 SDA
by 1210sda
Wed Dec 16, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: My credit score is 808
Replies: 37
Views: 4703

Re: My credit score is 808

In Credit Karma, under "What can impact my score", there are 6 categories. I score "excellent" on 5 of them and "poor" on 1 of them. (Total Accounts) when I clicked on the link "see details" I find that I need 21 or more accounts to get an "excellent"...
by 1210sda
Tue Dec 15, 2015 10:09 am
Forum: Investing - Help with Personal Investments
Topic: [Intending to drop international funds]
Replies: 70
Views: 7539

Re: I've been duped by index investing it seems.

With a diversified portfolio, what counts is the total portfolio return, not the return of the individual components. That's what diversification is all about.
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by 1210sda
Fri Dec 11, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: 10 Best Guitar Finger Style Tunes
Replies: 19
Views: 1392

Re: 10 Best Guitar Finger Style Tunes

Try this one. He likes Simon and Garfunkel and the Beatles.

https://www.youtube.com/watch?v=aT1tMlSItAo
by 1210sda
Wed Dec 09, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: San Antonio vs. Morgantown, WV for 2 docs
Replies: 99
Views: 5808

Re: San Antonio vs. Morgantown, WV for 2 docs

A very close friend of mine moved from Chicago to San Antonio several years ago. He tells me that the heat is much easier to adapt to than the cold. By the time they went through their second summer, they had fully acclimated. And, the humidity is nowhere near Houston's When we go visit them, I get ...
by 1210sda
Wed Dec 02, 2015 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Doctor Strategies
Replies: 74
Views: 9271

Re: Doctor Strategies

Wow, good post.

Judging from the responses, I'm starting to think that maybe not all doctors are "terrible investors" as some of us have been led to believe.

I really like the "normal and humble" comment from GreatOdinsRaven.

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by 1210sda
Wed Nov 25, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax from Vanguard for 2015? When?
Replies: 4
Views: 1129

Re: TurboTax from Vanguard for 2015? When?



Thank you.

Only concern is that the link was last updated on March 31, 2015.

I have not seen anything current on the VAnguard website, which was the reason
for my post.

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by 1210sda
Tue Nov 24, 2015 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax from Vanguard for 2015? When?
Replies: 4
Views: 1129

TurboTax from Vanguard for 2015? When?

I have not heard whether Vanguard is going to provide TurboTax for 2015 at a discount?

Have you heard ??

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by 1210sda
Wed Nov 18, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 72
Views: 6618

Re: Thoughts on replacing tires?

Make sure the tires are "fresh" and not old inventory that has been sitting around unsold. Tire rubber is perishable and depending who you ask, recommendations are to replace tires in as few as 6 years from production date or at most 10 years from production date. Of course it could be so...
by 1210sda
Wed Nov 18, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: First smartphone recommendations
Replies: 28
Views: 3037

Re: First smartphone recommendations

Thanks for all the great responses.

I too am planning on purchasing my first smart phone soon and the guidance on this thread is extremely helpful.

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by 1210sda
Sun Nov 15, 2015 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Is The Vanguard Balanced Index Fund All One Needs?
Replies: 40
Views: 4718

Re: Is The Vanguard Balanced Index Fund All One Needs?

If the balanced fund is in a IRA and you are required to do RMD you may have a problem when the market is down. See article in Morningstar For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceId=632297&s...
by 1210sda
Sun Nov 15, 2015 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Is The Vanguard Balanced Index Fund All One Needs?
Replies: 40
Views: 4718

Re: Is The Vanguard Balanced Index Fund All One Needs?

For those who aren't sure and simply can't decide what to do when it comes to investing. Is The Vanguard Balanced Index Fund all one needs? Is it a good default option? Will a person who simply wants to invest and not think about things come out ok in the long run by choosing this fund? What do you...
by 1210sda
Sat Nov 07, 2015 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: How do you choose Health Plan (esp Medicare)...
Replies: 15
Views: 1004

Re: How do you choose Health Plan (esp Medicare)...

dm200 wrote:In my case, I actually have 2 choices, standard for $25/month or high option for $129. I chose the standard.


I have similar choices.

Why did you choose the standard instead of the high option ??

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by 1210sda
Sat Nov 07, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do you choose Health Plan (esp Medicare)...
Replies: 15
Views: 1004

Re: How do you choose Health Plan (esp Medicare)...

Thanks Jeffy.

I like that.


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by 1210sda
Sat Nov 07, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How do you choose Health Plan (esp Medicare)...
Replies: 15
Views: 1004

Re: How do you choose Health Plan (esp Medicare)...

Is one to accept that the different plans (from the same company, at least) are actualrially priced?? That more expensive plans have greater coverage and the lesser priced plans have less coverage??

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by 1210sda
Sat Nov 07, 2015 10:14 am
Forum: Personal Finance (Not Investing)
Topic: How do you choose Health Plan (esp Medicare)...
Replies: 15
Views: 1004

How do you choose Health Plan (esp Medicare)...

Right in the middle of the enrollment period for 2016. Looking at a couple of Medicare Advantage plans. Very difficult to compare. One uses percents, the other dollars for copay or co insurance. One is less expensive on PCP and Specialist visits, the other has better coverage for major stuff (hospit...
by 1210sda
Tue Nov 03, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: i need cell phone and wireless carrier
Replies: 26
Views: 2075

Re: i need cell phone and wireless carrier

Despite "19th century" technology, I still like Tracfone.

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by 1210sda
Tue Nov 03, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Consolidated 2016 Medicare Part B Increase thread
Replies: 111
Views: 3019

Re: Consolidated 2016 Medicare Part B Increase thread

Someone is on Medicare but not yet receiving social security benefits in 2015.

They will begin to receive social security benefits on July 1, 2016.(at FRA)

Would they have to pay the $123.70 per month for Part B for the entire year, or just through June, 2016.??

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by 1210sda
Mon Nov 02, 2015 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: What price point makes DFA attractive
Replies: 14
Views: 1915

Re: What price point makes DFA attractive

EmergDoc wrote:I've got an advertiser on my website that will do it for $1000 a year. Why pay 0.30%?


Who does this for $1k and how do I contact him/her?
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by 1210sda
Mon Nov 02, 2015 3:30 pm
Forum: Personal Consumer Issues
Topic: Amazon Pricing of Product at different prices
Replies: 28
Views: 3271

Re: Amazon Pricing of Product at different prices

BTW, paying extra for fast shipping is a waste.

I've gotten items that were supposed to take a week get to my house in just two days.

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by 1210sda
Fri Oct 30, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 449
Views: 34490

Re: Changes to Social Security

DW reaches her full retirement age (FRA) next year. (I'm already receiving SS) She plans to apply for her spousal benefit at that time. Her benefit will be 1/2 or my PIA. Four years after that, when she turns 70, she will switch over to her own benefit. Do these new changes affect these two actions ...
by 1210sda
Sun Oct 25, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Circumstances for replacing a toilet
Replies: 27
Views: 1763

Re: Circumstances for replacing a toilet

Thank You, Thank You, Thank You !!

This is much more than I was expecting to get.

This gives me the guidance and confidence I need to "stand up" :-) to my plumber.

Perhaps even get a new plumber if I begin to mis trust him.

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by 1210sda
Sun Oct 25, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Circumstances for replacing a toilet
Replies: 27
Views: 1763

Circumstances for replacing a toilet

When (and under what circumstances) is it time to replace a toilet instead of trying to repair it ?
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by 1210sda
Wed Oct 14, 2015 6:29 pm
Forum: Investing - Theory, News & General
Topic: Are you ready to buy stocks at your grocery store?
Replies: 42
Views: 3957

Re: Are you ready to buy stocks at your grocery store?

is this the same as having Dean Witter booths inside Sears stores in the 1980's??

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by 1210sda
Mon Sep 21, 2015 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey Calls Out "Bogle-ites"
Replies: 61
Views: 5909

Re: Dave Ramsey Calls Out "Bogle-ites"

I would let Dave Ramsey manage all my money and give him half the earnings above a suitable benchmark, if only he would guarantee the minimum return matches the benchmark, net of fees. Sounds a bit like an Equity Index Annuity. (BTW, I got a "free" dinner for sitting and listening to this...
by 1210sda
Fri Sep 18, 2015 7:36 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Are Mutual Fund Fees Destroying My Retirement
Replies: 53
Views: 5757

Re: Dave Ramsey - Are Mutual Fund Fees Destroying My Retirement

CoAndy wrote:I do think that Ramsey does much more harm than good; however, these statements are ridiculous and beyond the pale.


Yep, I believe he does too.
by 1210sda
Sat Sep 05, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy Funds, Re-balancing and Capital Gains Tax
Replies: 15
Views: 850

Re: Life Strategy Funds, Re-balancing and Capital Gains Tax

^I think you read the cap gains distributions incorrectly. Perhaps you confused unrealized embedded gains with actual distributions which can be quite different. Yes I did read it incorrectly, it was "Realized Cap Gain/Loss as a % of NAV". But, It was thru 7/31/2015, just 7 months. Not ne...
by 1210sda
Sat Sep 05, 2015 7:54 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy Funds, Re-balancing and Capital Gains Tax
Replies: 15
Views: 850

Re: Life Strategy Funds, Re-balancing and Capital Gains Tax

Since they are made up of funds that have associated ETF's, which have low to no cap gains, they also have low cap gains. More of a concern is their taxable bonds. Sorry, I'm not following this.... 1210 LifeStrategy is made up of Total Stock, Total International, Total Bond, and Total International...
by 1210sda
Sat Sep 05, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy Funds, Re-balancing and Capital Gains Tax
Replies: 15
Views: 850

Re: Life Strategy Funds, Re-balancing and Capital Gains Tax

rkhusky wrote:Since they are made up of funds that have associated ETF's, which have low to no cap gains, they also have low cap gains. More of a concern is their taxable bonds.



Sorry, I'm not following this....

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by 1210sda
Sat Sep 05, 2015 4:24 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy Funds, Re-balancing and Capital Gains Tax
Replies: 15
Views: 850

Re: Life Strategy Funds, Re-balancing and Capital Gains Tax

Hodor wrote:They also rebalance by selling overweighted funds when people take money out.



Won't this generate a capital gain if the selling price is higher than the cost basis of the underlying funds?

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by 1210sda
Sat Sep 05, 2015 3:58 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy Funds, Re-balancing and Capital Gains Tax
Replies: 15
Views: 850

Life Strategy Funds, Re-balancing and Capital Gains Tax

In a Taxable portfolio, If the LS funds rebalance daily (or at least very frequently), won't they incur more capital gains than having the Three Fund Portfolio (in similar AA) and rebalancing say once a year ?? If the answer is ......they rebalance with new money coming into the fund, what happens w...
by 1210sda
Sat Sep 05, 2015 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 280
Views: 33286

Re: Question for the Bogleheads Millionaires

What a wonderful compilation of personal histories. (at least most of the posts)

It should be required reading for all young folks (and maybe some no so young)

I hope the Moderators are going to include this in the Wiki !!

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by 1210sda
Thu Sep 03, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 6
Views: 484

Deleted

Deleted
by 1210sda
Tue Sep 01, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 238
Views: 20773

Re: TLH for absolute dummies [Tax Loss Harvesting]

I put on my "TurboTax/IRS language hat" and wrote out this [unfinished] TLH algorithm draft which I am submitting here for comments: Do you have any shares in your taxable account that have a price lower than what you paid for them? No - Stop here, you do not have a harvestable loss for t...
by 1210sda
Sat Aug 29, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: Does John Bogle respond to autograph requests
Replies: 2
Views: 618

Re: Does John Bogle respond to autograph requests

The address I show is:

The Vanguard Group, Inc.
PO Box 2600
Valley Forge, PA 19482-2600

1210sda

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