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by Bustoff
Thu Jul 14, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: First trip to Hawaii
Replies: 15
Views: 1213

Re: First trip to Hawaii

We like to stay in Wailea because it's more laid back. It's close to Big Beach (pic below).
Wailea is also close to good snorkeling at Ahihi Keanau and La Perouse.

Image
by Bustoff
Thu Jul 14, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Sorry, You're Just Going To Have To Save More Money
Replies: 16
Views: 3953

Re: Jason Zweig: Sorry, You're Just Going To Have To Save More Money

For at least some accounts (retirement?), Vanguard is about to switch cash from the Prime MM fund to the Federal MM fund. I didn't hear about that, or I forgot. Thanks for the reminder. From the Vanguard Website. Changes coming for brokerage accounts The settlement fund Beginning later in 2016, Van...
by Bustoff
Thu Jul 14, 2016 8:52 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13032

Re: What do you spend your money on???

Gave up boating to spend more on ...

Golf
Travel
Dinning Out
by Bustoff
Thu Jul 14, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: What should I tip the limo driver?
Replies: 25
Views: 2029

Re: What should I tip the limo driver?

If you have been sampling wine for several hours there's a good chance you will be more generous with the tip.
Maybe give the driver a bottle of wine instead.

(My policy is to tip the Pilot when using NetJets or Wheels Up.)
by Bustoff
Wed Jul 13, 2016 8:45 am
Forum: Investing - Theory, News & General
Topic: Wade Pfau: What Is The Sustainable Spending Rate For Retirees In 2016?
Replies: 29
Views: 3644

Re: Wade Pfau: What Is The Sustainable Spending Rate For Retirees In 2016?

After taxes and inflation, returns on a conservatively allocated distribution portfolio might not amount to very much.
Throw in sequence of return risk and things start to get even more complicated.
I have never felt comfortable about a 4% withdrawal rate.
by Bustoff
Wed Jul 13, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: CD question: would you take 3% guaranteed for 7 years?
Replies: 45
Views: 4358

Re: CD question: would you take 3% guaranteed for 7 years?

After some scrounging around I found a CU offering 3.00% on an 84 Month IRA Certificate. https://www.andrewsfcu.org/personal/checking-and-savings/share-certificates.html ACCOUNT DETAILS Add-On No Early Withdrawal Penalty (Days) 180 Interest can be withdrawn before maturity Yes Min to Open $1,000 Par...
by Bustoff
Wed Jul 13, 2016 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Calculating annual withdrawals in retirement
Replies: 14
Views: 1258

Re: Calculating annual withdrawals in retirement

Part of your concern involves Sequence of Return Risk. There are numerous sources of guidance on this issue. Navigating One Of The Greatest Risks Of Retirement Income Planning Evaluating The Impact of Sequence Risk On Retirement Income https://www.bogleheads.org/forum/viewtopic.php?f=10&t=170398
by Bustoff
Wed Jul 13, 2016 6:17 am
Forum: Investing - Help with Personal Investments
Topic: CD question: would you take 3% guaranteed for 7 years?
Replies: 45
Views: 4358

Re: CD question: would you take 3% guaranteed for 7 years?

coop wrote:CD question: would you take 3% guaranteed for 7 years?


Similar question re 5 year CD's at 3%.
Was it a mistake to move into PenFed 5-year CDs a year ago?
by Bustoff
Tue Jul 12, 2016 4:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1004
Views: 155302

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

I'm trying not to look.
I don't want see the shrinkage my rather formidable stash upon eventual RTM.
by Bustoff
Tue Jul 12, 2016 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Best way to sell $250 face value 90% junk silver dimes?
Replies: 31
Views: 2523

Re: Best way to sell $250 face value 90% junk silver dimes?

smalltown wrote: ...worry less about them running your license plate ...

How is that even possible? I thought only law enforcement had access to that information.
by Bustoff
Sun Jul 10, 2016 8:30 am
Forum: Investing - Help with Personal Investments
Topic: wait for the drop?
Replies: 75
Views: 6509

Re: wait for the drop?

I would wait a few months before making any drastic changes. Just my opinion
by Bustoff
Sun Jul 10, 2016 8:14 am
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7752

Re: Hiking questions

Just a quick off topic comment to recommend the fascinating film "MERU" to the outdoor enthusiasts in this thread.
by Bustoff
Sat Jul 09, 2016 8:42 am
Forum: Investing - Theory, News & General
Topic: "Why most retirees will never spend down their portfolio" by Michael Kitces
Replies: 89
Views: 10583

Re: "Why most retirees will never spend down their portfolio" by Michael Kitces

Check out this longevity calculator from Vanguard. Plan for a long retirement Here's the likelihood of 65-year-olds living to certain ages, according to figures from the Society of Actuaries: Male . A 65-year-old man has a 41% chance of living to age 85 and a 20% chance of living to age 90. Female ....
by Bustoff
Sat Jul 09, 2016 8:30 am
Forum: Investing - Help with Personal Investments
Topic: how much is enough? [in cash]
Replies: 16
Views: 2841

Re: how much is enough? [in cash]

I'm 3-5 years away from retirement. Between my 401k and investment accounts I have $1.1M. I also have another 400K in CDs and cash. Do I have too much money sitting on the sidelines? After living through the financial crisis of the last decade I'm gun shy about going "all in." The quick a...
by Bustoff
Sat Jul 09, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7752

Re: Hiking questions

Marjimmy wrote:...extra ankle support isn't a necessity unless I'm going on rough terrain, correct?

I have never used anything other than my old running shoes for all my hiking. They are extremely light and work great negotiating talus above the tree line.
At the end of our trips I just throw them out.
by Bustoff
Mon Jul 04, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 123
Views: 7324

Re: Your shopping strategy for new tires?

Costco.
(Because price is not paramount. Service after the sale is more important to me.)
by Bustoff
Tue Jun 28, 2016 5:53 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11453

Re: What did you learn from the post-Brexit bloodbath?

I learned that: Google discovered a massive peak in searches by British folk desperately trying to understand the ramifications for their vote – after the decision was made. Some of the most googled questions in the UK after the polls closed: "What does it mean to leave the EU?" "What...
by Bustoff
Fri Jun 24, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10455

Re: International stocks in free fall

You think the big banks levered up prior to the Brexit vote. You know they did. I cant stop giggling.
by Bustoff
Fri Jun 24, 2016 8:44 am
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 10194

Re: Good Deal on a Pocket Pistol

I sold my .380 b/c I got tired of going to the range and wasting money on ammo.

Plus I could not envision a scenario where I would actually use it (other than at the range).
by Bustoff
Fri Jun 24, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Cross country move. Buy car and drive or ship things and fly?
Replies: 26
Views: 1638

Re: Cross country move. Buy car and drive or ship things and fly?

Your not going to fit all your stuff into a Corolla or Yaris.

Buy a used Subaru Forester. It has plenty of cargo capacity and is a great vehicle for the PNW.
by Bustoff
Sun Jun 05, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: New Car Trim levels
Replies: 58
Views: 4069

Re: New Car Trim levels

According to the NTSB, rear-end crashes represented almost half of all two-vehicle crashes. There were 1.7 million rear-end crashes in 2012 resulting in 1705 fatalities and over 550,000 injuries. 87% were caused by driver inattention. That's more than 4,500 rear-end crashes each day. I hope the driv...
by Bustoff
Tue May 24, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Has anyone purchased a car from Carvana.com?
Replies: 10
Views: 1338

Re: Has anyone purchased a car from Carvana.com?

... Any other online resources you would recommend? Last week I stumbled across a company for purchasing cars online called Vroom . I never heard of Vroom and did not know about Carvana until seeing this thread. Anyway, thanks for posting this as I am also looking for a vehicle. Here is a detailed ...
by Bustoff
Tue May 24, 2016 7:31 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 38
Views: 3151

Re: Where to Stay in San Francisco?

Just a follow up and thanks to all who replied with suggestions.

We rented a place in Sausalito for the week and loved it.

If you prefer a less hectic pace, you might enjoy Sausalito.
by Bustoff
Tue May 24, 2016 6:09 am
Forum: Personal Consumer Issues
Topic: Recall: Subaru 2015, 2016 & 2017 Legacy & Outback steering
Replies: 43
Views: 3689

Re: Recall: Subaru 2015, 2016 & 2107 Legacy & Outback steering

I just got a class action notice for 2011-2014 Forester and other models, for the old oil leakage concern. No oil leakage in my 2014 model. All these companies have issues, Subaru is no different. Recently test drove an Outback LTD with Eyesight. The salesman harped forever about Subaru's "war...
by Bustoff
Mon Mar 07, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Cost of health and cost of living (retirement)
Replies: 19
Views: 1990

Re: Cost of health and cost of living (retirement)

Mrxyz wrote:So before the age of Medicare (65 yrs) - I am on my own.

Darrow Kirkpatrick recently posted an article on his website addressing some of this.

Retirement Health Care: What Are Your Options?
by Bustoff
Sat Feb 27, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 4370

Re: Buy a house at age 75?

What would be the best way to determine if one has enough savings to pay cash for a new home? Do you simply deduct the cost of the new home from total portfolio and then run the reduced portfolio balance through Variable Percentage Withdrawal? Hopefully by the time you're in your 70s or retired you...
by Bustoff
Sat Feb 27, 2016 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 4370

Re: Buy a house at age 75?

What would be the best way to determine if one has enough savings to pay cash for a new home?
Do you simply deduct the cost of the new home from total portfolio and then run the reduced portfolio balance through Variable Percentage Withdrawal?
by Bustoff
Fri Feb 26, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1740
Views: 388489

Re: What Movie Have You Recently Watched?

Meru is a must see documentary for anyone interested in climbing. Watched it this week. Simply amazing!

merufilm.com


is the url tool not working?
by Bustoff
Tue Feb 23, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: where to get 3% real with the least amount of risk?
Replies: 56
Views: 6638

Re: where to get 3% real with the least amount of risk?

cherijoh wrote:
Bustoff wrote:What, no love for the 3% CD?

OP was asking about 3% REAL not 3% nominal return.

Oops ... better drink my coffee before posting.
by Bustoff
Tue Feb 23, 2016 7:18 am
Forum: Personal Finance (Not Investing)
Topic: where to get 3% real with the least amount of risk?
Replies: 56
Views: 6638

Re: where to get 3% real with the least amount of risk?

I'd be thrilled with 3% real returns for the next 10 years. what investment(s) do you think have the best chance of returning 3% real with the least amount of risk? What, no love for the 3% CD? There may not be any currently, but they do seem to pop up occasionally and without much fanfare (except ...
by Bustoff
Thu Feb 18, 2016 10:54 am
Forum: Investing - Theory, News & General
Topic: Low Returns Ahead for Stocks Argument
Replies: 19
Views: 2911

Re: Low Returns Ahead for Stocks Argument

I keep reading the somewhat agreed upon notion that stocks have very low return ahead (even vanguard has come out and said things like this). If this is true, and the future holds these sub 4% returns for equities, then what is purpose of taking on the amount of risks that you find in equities for ...
by Bustoff
Sun Feb 14, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: S&P500 has basically gone nowhere for 15 years
Replies: 59
Views: 7086

Re: S&P500 has basically gone nowhere for 15 years

Total Bond beats Total Stock?
This can't be right.

Image
by Bustoff
Sun Feb 14, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 75
Views: 8799

Re: New SUV, $50G, Pilot/Highlander/Other

With $50,000 you can buy FOUR of these:

Nissan Versa
MSRP: From $11,990
MPG: Up to 31 city / 40 highway
by Bustoff
Sat Feb 13, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: [NY Times article: 100% Stock Allocation in Retirement]
Replies: 102
Views: 9367

Re: Best Stock Allocation in Retirement? ► All of It! ◄

I wonder what other Bogleheads think about the author's opinion. The author has now published his companion article. I think his advice in this latest installment is not good. Indeed — except for known, near-term financial obligations like a large tax bill that you might owe on April 15 or a down p...
by Bustoff
Sat Feb 13, 2016 8:50 am
Forum: Investing - Theory, News & General
Topic: [NY Times article: 100% Stock Allocation in Retirement]
Replies: 102
Views: 9367

Re: Stock Allocation in Retirement

My asset allocation is based mostly on what I need from the portfolio. http://i67.tinypic.com/2m3jm2v.jpg Moving from left to right, the stock allocation relative to bonds increases in 10% increments. The length of the bars indicates the range of annual returns for each allocation; the longer the ba...
by Bustoff
Sat Feb 13, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 10985

Re: What is your decline in Net Worth as of today?

Sorry, I'm not a math guy.
All I know is that my pile is now bigger than it was before I retired -- which was 5 years ago.
by Bustoff
Fri Feb 12, 2016 11:58 am
Forum: Investing - Theory, News & General
Topic: Rebalancing bands, what is your CURRENT out-of-balance drift?
Replies: 47
Views: 3087

Re: Rebalancing bands, what is your CURRENT out-of-balance drift?

I try to maintain a rebalancing strategy consistent with Vanguards guidelines.

http://www.vanguard.com/pdf/ISGPORE.pdf
by Bustoff
Fri Feb 12, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Key West and everglades trip
Replies: 41
Views: 3785

Re: Key West and everglades trip

Try to get to Everglade City and have stone crab for lunch at Triad Seafood . Also, while you're in Everglade City stop by the The Everglades Rod and Gun Club . Presidents Roosevelt, Truman, Hoover, Eisenhower, Nixon and Bush, Sr. visited there. So did great personalities, everyone from Ernest Hemin...
by Bustoff
Fri Feb 12, 2016 10:32 am
Forum: Investing - Theory, News & General
Topic: World stocks officially reach bear market territory
Replies: 27
Views: 4107

Re: World stocks officially reach bear market territory

... I have been doing the same investment strategy for 23 years... As of 12/31/2015, Vanguard Total World Stock has 52.9% allocated to United States stocks. Just curious how much the U.S. allocation has drifted over the years. Bustoff, the data and sources I have used over the years have changed. I...
by Bustoff
Fri Feb 12, 2016 10:29 am
Forum: Investing - Theory, News & General
Topic: World stocks officially reach bear market territory
Replies: 27
Views: 4107

Re: World stocks officially reach bear market territory

inbox788 wrote:
Dirghatamas wrote:Actionable: Nothing.

From a BH perspective, is anything the market does truly actionable?

Yes! Of course it's actionable. There's plenty of money to be made in volatile markets. Why should Wall Street be the exclusive beneficiaries of all the volatility.
by Bustoff
Thu Feb 11, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: Today's Market Open supposed be Brutal...........
Replies: 44
Views: 4301

Re: Today's Market Open supposed be Brutal...........

Yep ...I'm lovin my asset allocation because it is based on my risk tolerance which is based on my need, willingness and ability to take risk.
by Bustoff
Thu Feb 11, 2016 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Service
Replies: 31
Views: 4404

Re: Opinion on Vanguard Personal Advisor Service

Our main dilemma is coming up with a solid portfolio allocation strategy. Most importantly, I am not experienced with re-balancing of a portfolio and tax-loss harvesting. Rifampin, I have never used the fee based advisory service. Over the years however, I took advantage of Vanguard's advisory serv...
by Bustoff
Thu Feb 11, 2016 6:01 am
Forum: Investing - Theory, News & General
Topic: World stocks officially reach bear market territory
Replies: 27
Views: 4107

Re: World stocks officially reach bear market territory

Dirghatamas wrote:... I have been doing the same investment strategy for 23 years...


As of 12/31/2015, Vanguard Total World Stock has 52.9% allocated to United States stocks. Just curious how much the U.S. allocation has drifted over the years.
by Bustoff
Wed Feb 10, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: Internet becoming "Small"
Replies: 23
Views: 2805

Re: Internet becoming "Small"

I saw a PBS documentary a while back that referenced Tor. I recall the show remarking that Tor was the Wild West of the Internet.
by Bustoff
Wed Feb 10, 2016 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Service
Replies: 31
Views: 4404

Re: Opinion on Vanguard Personal Advisor Service

Maybe for a clueless widow or widower of a recently deceased spouse. Or perhaps retired folks with recent onset of cognitive impairment.
by Bustoff
Wed Feb 10, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 15705

Re: Do you pay for exercise?

"Mall walking" has become a new winter activity for me and I hate it. I have been a runner for decades but both my lower back and PCP are conspiring to bring the running to a halt. The doc claims 3 miles of walking is the perfect amount of exercise. Yeah right!
by Bustoff
Wed Feb 10, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: The Retirement Problem: What Will You Do With All That Time?
Replies: 67
Views: 7071

Re: The Retirement Problem: What Will You Do With All That Time?

Wish I had Victoria's retirement life but I am a terrible planner.
by Bustoff
Wed Feb 10, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1740
Views: 388489

Re: What Movie Have You Recently Watched?

Rented The Martian from Redbox. Very entertaining. I liked it much more than Gravity
by Bustoff
Wed Feb 10, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 78
Views: 10177

Re: Vacation Homes

I think that unless you are very wealthy, a vacation home is bad idea. Vacation homes involve a lot of extra expense and a lot of extra trouble. It is much easier and cheaper to just rent a house when you go on vacation than to own a vacation home. In most cases, when you sell the vacation home, th...

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