Search found 1280 matches
- Wed Apr 18, 2018 8:55 am
- Forum: Investing - Theory, News & General
- Topic: Theoretical question. What would happen if 100% of investors are buy and hold.
- Replies: 18
- Views: 1626
Re: Theoretical question. What would happen if 100% of investors are buy and hold.
This forum has had many discussions about this. Here's a sample, from the first page of the search results that I got by entering "what if everyone indexed" in the search box at the top of this forum. https://www.bogleheads.org/forum/viewtopic.php?t=218396 https://www.bogleheads.org/forum/viewtopic....
- Mon Apr 16, 2018 6:14 pm
- Forum: Investing - Theory, News & General
- Topic: Trinity Study updated to 2018
- Replies: 113
- Views: 9469
Re: Regular 4% withdrawals can be ridiculous.
As I understand it, no part of the RMD can be put into a Roth IRA. After you have satisfied your RMD, you can roll over ("convert") additional amounts into a Roth, and pay taxes on it of course.
- Sun Apr 15, 2018 5:01 pm
- Forum: Personal Consumer Issues
- Topic: Mozart in the morning, please
- Replies: 18
- Views: 2231
Re: Mozart in the morning please
Or Strauss's Also sprach Zarathustra... boom boom boom boom BOOM!
- Sun Apr 15, 2018 11:51 am
- Forum: Investing - Help with Personal Investments
- Topic: Stable Value Fund Question
- Replies: 6
- Views: 466
Re: Stable Value Fund Question
There should be a prospectus available somewhere that describes exactly what it does.
- Thu Apr 12, 2018 12:28 am
- Forum: Investing - Help with Personal Investments
- Topic: Why traditional IRA better than Roth IRA
- Replies: 87
- Views: 6644
Re: Why traditional IRA better than Roth IRA
Except on this forum, of course, with our Prodigious Accumulators of Wealth.MathWizard wrote: ↑Wed Apr 11, 2018 7:15 pmfamilies normally don't move up in tax brackets when they retire.

- Wed Apr 11, 2018 10:44 pm
- Forum: Personal Consumer Issues
- Topic: Passport photo DIY - anyone done it easily?
- Replies: 92
- Views: 6439
Re: Passport photo DIY - anyone done it easily?
Recently, cvs started charging $13.99 each even if you printed them off your usb drive at the kiosk, as long as your 4x6 photo contains those 2x2 images. Wal-Mart did the same thing to me, but their price is $7.44 plus tax. I suspect it might have been simple confusion by the checkout clerk about w...
- Wed Apr 11, 2018 6:21 pm
- Forum: Investing - Help with Personal Investments
- Topic: HELP..not sure what to do at 55 YOA
- Replies: 21
- Views: 2747
Re: HELP..not sure what to do at 55 YOA
Got burned years ago. I have no idea how much to put in stocks or bonds It might help if you could tell us something about how you got burned. Was it something like a handful of individual stocks like pets.com during the dot-com boom of the late 1990s? Or were you in mutual funds and you bailed out...
- Wed Apr 11, 2018 6:00 pm
- Forum: Investing - Help with Personal Investments
- Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
- Replies: 84
- Views: 13185
Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
However given the current market conditions, I do have real concerns that the market will not continue to perform so well over the next decade. Why just the next decade, when you have possibly 50 to 60 years ahead of you? I see someone has already mentioned Firecalc . I second the suggestion that y...
- Wed Apr 11, 2018 3:16 am
- Forum: Personal Consumer Issues
- Topic: recommend a light box
- Replies: 15
- Views: 1286
Re: recommend a light box
Or maybe what some people would call a "tanning bed"? Or maybe you're looking for one of these ? Ensures Happiness in home with these cute little words that add on to the light box. Any relationship in a house or office would enjoy this cute little one to convey sweet and short messages. The box com...
- Tue Apr 10, 2018 2:16 am
- Forum: Personal Finance (Not Investing)
- Topic: How do you estimate your home's market value?
- Replies: 53
- Views: 3362
- Tue Apr 10, 2018 1:32 am
- Forum: Personal Consumer Issues
- Topic: How can I get a passport?
- Replies: 47
- Views: 3727
Re: How can I get a passport?
I'm about to renew my nearly 15-year-old passport simply by mailing in my old one with a new picture and an application. Another few weeks and I'd have to apply in person at nearest passport office. I'm in a small town in the boonies, so this would probably mean driving to one of the cities an hour...
- Fri Apr 06, 2018 7:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Your Monthly Cost of Living
- Replies: 65
- Views: 6381
Re: Your Monthly Cost of Living
Married couple, mid-late 60s, retired, no kids, house paid off, small town in the South. Housing $600 - utilities, property tax, home insurance, appliance replacement; Transportation $450 - two small cars, pro-rated capital cost over 10 years, gasoline, insurance, maintenance Food $500 - both grocer...
- Mon Apr 02, 2018 5:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: How did you file your income taxes?
- Replies: 77
- Views: 3770
Re: How did you file your income taxes?
For the past several years, I've used the online version of TurboTax Premier, because I get a discount on the federal return via my account at T. Rowe Price. Total cost this year for federal + state was about $50. I switched from pencil and paper to TurboTax after I started investing an inheritance ...
- Sun Apr 01, 2018 7:35 am
- Forum: Personal Finance (Not Investing)
- Topic: Retirement Options for My Parents
- Replies: 22
- Views: 1732
Re: Retirement Options for My Parents
1) Get the lump sum of $85,000, which he will be tax at 20% and leaves only $68,000 in his pocket. To be precise, he will probably have 20% withheld for tax when the sum is distributed. The actual (additional) income tax that he owes for this year will depend on the rest of his income for the year....
- Sat Mar 31, 2018 8:43 am
- Forum: Personal Consumer Issues
- Topic: Underrated places to visit in U.S.?
- Replies: 126
- Views: 11137
Re: Underrated places to visit in U.S.?
- Fri Mar 30, 2018 5:49 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 1821
- Views: 324973
Re: What are you up YTD? [Year To Date]
For the first quarter of this year I'm down 0.6% overall, on a portfolio that is about 50% stock. This is my first quarterly decline since 3Q 2015. (Remember the China scare?) However, I'm still up 7.3% since a year ago, so I don't feel bad about it.
- Fri Mar 30, 2018 9:58 am
- Forum: Personal Finance (Not Investing)
- Topic: How Do You Value Your Home for Net Worth Purposes?
- Replies: 150
- Views: 8973
Re: How Do You Value Your Home for Net Worth Purposes?
Zillow and our county's assessors agree within about 20%, so I use Zillow because it's higher.
Not that it matters much anyway. As we enter retirement in a LCOL area, our paid-off, modest but adequate house comprises less than 5% of our net worth.

Not that it matters much anyway. As we enter retirement in a LCOL area, our paid-off, modest but adequate house comprises less than 5% of our net worth.
- Fri Mar 30, 2018 7:34 am
- Forum: Investing - Theory, News & General
- Topic: % Portfolio Wieght Concerns?
- Replies: 23
- Views: 1244
- Thu Mar 29, 2018 5:23 pm
- Forum: Investing - Help with Personal Investments
- Topic: Sound Strategy RE: Taxes / Retirement ?
- Replies: 8
- Views: 740
- Thu Mar 29, 2018 12:19 am
- Forum: Investing - Help with Personal Investments
- Topic: Roth IRA and Taxable
- Replies: 10
- Views: 1216
Re: Roth IRA and Taxable
If i have a brokerage account at Vanguard. do i still need to open a Taxable one? If your brokerage account at Vanguard is not an IRA, then it is what we call a "taxable" account. Vanguard and other brokers don't use the word "taxable" for an ordinary (non-IRA) account. On this forum we do customar...
- Wed Mar 28, 2018 1:45 pm
- Forum: Investing - Theory, News & General
- Topic: How old were you when you started spending your “principal”?
- Replies: 90
- Views: 8033
Re: How old were you when you started spending your “principal”?
So, at least the way I see it, the title should be "How old were you when your retirement balance became less than the amount you had when you started retirement?" Is that what the OP was really trying to ask? Yes, I think that is clear from the body of his first post: So you retire with $X and tha...
- Wed Mar 28, 2018 10:32 am
- Forum: Investing - Theory, News & General
- Topic: Retirees: Do you spend all your "income"?
- Replies: 46
- Views: 4239
Re: Retirees: Do you spend all your "income"?
The IRS sets the rules and terminology for most of us (US citizens) As far as taxable income is concerned. :wink: Everyday language is never precise, and different people attach different shades of meaning to many words, including "income." From the list in the opening post, it seemed clear to me t...
- Wed Mar 28, 2018 12:00 am
- Forum: Investing - Theory, News & General
- Topic: Retirees: Do you spend all your "income"?
- Replies: 46
- Views: 4239
Re: Retirees: Do you spend all your "income"?
Our income last year included wages (part-time work), deferred compensation, and interest and dividends in taxable accounts. For this calculation I did not include interest and dividends in tax-deferred accounts because those are automatically reinvested and we took no distributions from those accou...
- Tue Mar 27, 2018 2:53 pm
- Forum: Personal Consumer Issues
- Topic: Underrated places to visit in U.S.?
- Replies: 126
- Views: 11137
Re: Underrated places to visit in U.S.?
Neither did I, and I lived a short drive away for several years when I was in grad school many years ago. The Coney Island (hot dog) is definitely a thing there, however.
- Tue Mar 27, 2018 11:26 am
- Forum: Personal Finance (Not Investing)
- Topic: Anxious about retirement - Am I alone?
- Replies: 10
- Views: 2140
Re: Anxious about retirement - Am I alone?
But maybe there are interesting things to do that you might suggest? I know people who do the following: Collect stamps and postal history, travel to stamp shows and maybe participate in competitive exhibitions Collect coins Collect rocks and fossils (and travel to hunt for them) Trainspotting and ...
- Tue Mar 27, 2018 7:56 am
- Forum: Personal Consumer Issues
- Topic: London Hotels
- Replies: 59
- Views: 3839
Re: London Hotels
The only time I've visited London was in 1980, as a brief stopover on a trip from the US to the Continent when flights were much cheaper to London. At that time there were clusters of small family-run hotels in various neighborhoods. I spent a couple of nights in one a few blocks from Victoria Stati...
- Tue Mar 27, 2018 7:39 am
- Forum: Investing - Help with Personal Investments
- Topic: How to set rebalancing bands ?
- Replies: 9
- Views: 662
Re: How to set rebalancing bands ?
Or you can use both. Check once a year. If you're "out of band" then rebalance, otherwise do nothing. Wait till next year to check again.UpperNwGuy wrote: ↑Tue Mar 27, 2018 6:48 amSome use bands of various values. Others rebalance only once a year.
- Mon Mar 26, 2018 5:14 pm
- Forum: Investing - Help with Personal Investments
- Topic: Newbie w/ $200k to invest- help!
- Replies: 16
- Views: 2050
Re: Newbie w/ $200k to invest- help!
Do you have a retirement plan (401k, 403b, etc.) at work? If yes, are you making the maximum contribution ($18,500 per year)? If not, consider using this new money to provide part of your living expenses while you maximize your payroll deduction for your retirement plan. This will have the effect of...
- Sun Mar 25, 2018 8:28 am
- Forum: Personal Consumer Issues
- Topic: Any way to recover lost blog from former website realtravel.com?
- Replies: 5
- Views: 333
Re: Any way to recover lost blog from former website realtravel.com?
Archive.org may not have all pages of a site archived for all dates in their calendar-style index, so check various dates if you don't find everything you need on the first attempt.
- Sun Mar 25, 2018 8:24 am
- Forum: Investing - Help with Personal Investments
- Topic: Moving my Roth IRA from T Rowe to Vanguard?
- Replies: 16
- Views: 933
Re: Moving my Roth IRA from T Rowe to Vanguard?
If your main goal is to reduce your expense ratio by using Vanguard funds, another option (which I used) is to create a brokerage Roth IRA at TRP, exchange the funds in your current Roth IRA for the money market sweep account in the new brokerage account, and then buy Vanguard ETFs: VTI for Total St...
- Sat Mar 24, 2018 4:33 pm
- Forum: Investing - Help with Personal Investments
- Topic: Basic question!
- Replies: 22
- Views: 1960
Re: Basic question!
403b plans and IRAs have separate contribution limits. You can contribute a total of $18.5K to the former and $5.5K to the latter (if you're under 50 years old). The IRA limit is for the combined total of traditional and Roth IRAs. TIAA is decent, although their plans can be confusing, especially wh...
- Sat Mar 24, 2018 11:09 am
- Forum: Personal Consumer Issues
- Topic: Underrated places to visit in U.S.?
- Replies: 126
- Views: 11137
Re: Underrated places to visit in U.S.?
Drive along the Ohio River from Pittsburgh down to Cincinnati and beyond. Lots of decaying industry at first, then it peters out, and past Wheeling WV it's mostly rural, with rolling hills on both sides. East Liverpool has a museum about the pottery industry which once dominated that area. Wheeling ...
- Sat Mar 24, 2018 12:36 am
- Forum: Personal Consumer Issues
- Topic: Underrated places to visit in U.S.?
- Replies: 126
- Views: 11137
Re: Underrated places to visit in U.S.?
Ever since I was a kid in a steel-mill town in the the Midwest in the 1960s, "vacation" has meant "road trip" more often than not. Not too long ago I drove from the Carolinas down to south Florida using US 1 through Georgia and US 301 and 27 down the middle of Florida. I saw things like: the Laurel ...
- Sat Mar 24, 2018 12:00 am
- Forum: Personal Finance (Not Investing)
- Topic: changing my signature when signing checks and credit card receipts
- Replies: 47
- Views: 3232
Re: changing my signature when signing checks and credit card receipts
I've never deliberately signed a credit card transaction with something that isn't an honest attempt at my own signature. However, many of the point-of-sale electronic terminals that I've used have such poor ergonomics that my attempted signature looks like a first-grader's scrawl anyway. Especially...
- Fri Mar 23, 2018 7:54 am
- Forum: Investing - Theory, News & General
- Topic: Working till retirement is not a great plan
- Replies: 175
- Views: 13449
Re: Working till retirement is not a great plan
I just got called in for the termination meeting. I work in Academia. Due to declining enrollment and looking at which departments were tuition positive/neutral/negative, the process led to a full blown rank and yank throughout departments. My condolences. :( The same thing happened to me several y...
- Thu Mar 22, 2018 7:56 am
- Forum: Investing - Help with Personal Investments
- Topic: How can I start investing when equities and real estate are this much high?
- Replies: 65
- Views: 7768
Re: How can I start investing when equities and real estate are this much high?
Have you read the story of Bob, the world's worst market timer, who had the misfortune of always investing at market peaks, just before crashes or corrections, but turned out pretty well in the end anyway?
- Thu Mar 22, 2018 7:51 am
- Forum: Personal Finance (Not Investing)
- Topic: What Budget? Do you keep one?
- Replies: 116
- Views: 7068
Re: What Budget? Do you keep one?
We've been retiring gradually during the past few years. We just figure out the total annual cash flow after the fact, from our checkbook balances. After breaking out "unusual" expenses (vacation trip, new refrigerator, etc.) it's been pretty consistent for the past several years. Even with those ex...
- Wed Mar 21, 2018 10:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: Rent or Buy in Miami?
- Replies: 20
- Views: 1682
Re: Rent or Buy in Miami?
on occasion in the winter the temperature does plummet to an unspeakably cold 50-60 degrees For many years I visited my parents in Fort Lauderdale where they retired. One Christmas Day we all had to go out for a drive to take advantage of our car heater because the temperature was in the 30s. The l...
- Wed Mar 21, 2018 10:30 pm
- Forum: Personal Consumer Issues
- Topic: How can I get a passport?
- Replies: 47
- Views: 3727
Re: How can I get a passport?
When I renewed my passport last year, I just walked in to the post office, took my picture and sent in the application form. Renewing a passport that is less than 15 years old is a lot less hassle than a new passport, or renewing one that is more than 15 years old. I'm about to renew my nearly 15-y...
- Tue Mar 20, 2018 7:47 am
- Forum: Local Chapters and Bogleheads Community
- Topic: PrinciPAL not princiPLE !!!
- Replies: 2
- Views: 570
PrinciPAL not princiPLE !!!
I swear, the word "principal" (as in principal amount of a mortgage, CD, bond, etc.) has almost completely disappeared from this forum, replaced by "principle". Have people really forgotten the difference, or is it group-spelling-checker-think? :annoyed There, I've got it off my chest. It would be i...
- Mon Mar 19, 2018 11:59 pm
- Forum: Investing - Help with Personal Investments
- Topic: How to Get Started Investing In The Right Direction.
- Replies: 9
- Views: 735
Re: How to Get Started Investing In The Right Direction.
The difference between the Traditional IRA and the Roth IRA is as follows: With the traditional IRA, you deduct contributions from your income when you make out your tax return for that year. That is, you save on taxes in the year that you contribute. In exchange, when you take money out of the IRA,...
- Mon Mar 19, 2018 10:51 pm
- Forum: Investing - Help with Personal Investments
- Topic: Why shouldn't I day-trade in Roth IRA and HSA investment account?
- Replies: 24
- Views: 1697
Re: Why shouldn't I day-trade in Roth IRA and HSA investment account?
No, write a newsletter! You'll get more from $50/year subscriptions than from one-time book sales.unclescrooge wrote: ↑Mon Mar 19, 2018 7:55 pmYou should do it. And also write a book on how to day trade your HSA!![]()

- Sun Mar 18, 2018 11:29 am
- Forum: Investing - Help with Personal Investments
- Topic: Venturing into the taxable space
- Replies: 13
- Views: 839
Re: Venturing into the taxable space
(size of taxable holdings) x 15-20% x (current yield of Total Bond Market, about 2.5%) x (your marginal tax rate)
Plug in the appropriate numbers for your situation and see what you get.
- Sun Mar 18, 2018 10:24 am
- Forum: Investing - Help with Personal Investments
- Topic: TIAA - is guaranteed fund an "annuity"
- Replies: 5
- Views: 382
Re: TIAA - is guaranteed fund an "annuity"
If you move money in and out of the Traditional account, beware of possible effects on returns. Contributions made during different time periods ("vintages") have different interest rates. When you take money out, you can't specify which vintage to take it from. Instead, it's taken proportionately f...
- Sat Mar 17, 2018 1:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: Need for Medicare supplemental plan?
- Replies: 124
- Views: 5687
Re: Need for Medicare supplemental plan?
Plan F will no longer be sold to those becoming eligible for Medicare after December 31, 2019. This means that the insured pool for plan F with no new enrollees will begin to age relatively faster than the insured pool for plan G which is the closest substitute for F. This suggests to me that premi...
- Thu Mar 15, 2018 11:59 am
- Forum: Investing - Theory, News & General
- Topic: Rookie tIRA + E-Trade Question
- Replies: 7
- Views: 354
Re: Rookie tIRA + E-Trade Question
Which funds are they? People here might be able to suggest similar funds or ETFs that you can use instead, while you build up towards the required minimums.
- Wed Mar 14, 2018 7:43 pm
- Forum: Personal Consumer Issues
- Topic: Transferring Content (Super Bowl LII) from DVR to DVD
- Replies: 13
- Views: 1047
Re: Transferring Content (Super Bowl LII) from DVR to DVD
High definition or standard definition?
I copied my HD recording of the game from my TiVo over to my computer via my home network using a program that connects to the TiVo. Total size is more than 35 gigabytes.

- Wed Mar 14, 2018 2:47 pm
- Forum: Investing - Help with Personal Investments
- Topic: How are capital gains taxes computed?
- Replies: 5
- Views: 661
Re: How are capital gains atxes computed?
Are you investing in regular mutual funds, or in shares of individual stocks or ETFs?
- Tue Mar 13, 2018 9:57 am
- Forum: Investing - Theory, News & General
- Topic: Skin In The Game [new N. Taleb book]
- Replies: 23
- Views: 3802
- Mon Mar 12, 2018 8:56 pm
- Forum: Investing - Theory, News & General
- Topic: T Rowe Price?
- Replies: 15
- Views: 1210
Re: T Rowe Price?
When I had to invest in a taxable account for the first time several years ago, after using only my 403(b) plan for many years, I had no experience with independent investing. I went with TRP mainly because my father had used them once upon a time. After I found out about Bogleheads, I first switche...