Search found 1869 matches

by Bustoff
Thu Feb 11, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: Today's Market Open supposed be Brutal...........
Replies: 39
Views: 2883

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: 21
Views: 2399

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: 18
Views: 2402

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: 2299

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: 21
Views: 2399

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: 209
Views: 10801

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: 61
Views: 4351

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: 1438
Views: 275157

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: Investing - Theory, News & General
Topic: Vacation Homes
Replies: 41
Views: 4119

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...
by Bustoff
Tue Feb 09, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) getting killed
Replies: 52
Views: 4879

Re: 401(k) getting killed

by Bustoff
Tue Feb 09, 2016 12:21 pm
Forum: Investing - Theory, News & General
Topic: Why has Oil become such a dominant market influencer?
Replies: 66
Views: 3685

Re: Why has Oil become such a dominant market influencer?

Can anyone explain why the price of a barrel of oil has recently become such an overriding, dominating influencer of the direction of the major stock markets? While it is certainly the dominant commodity world-wide (vs. gold, copper, aluminum, etc.), why does it's daily price now far overshadow the...
by Bustoff
Fri Feb 05, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Uber driving for extra income in retirement.
Replies: 31
Views: 3145

Re: Uber driving for extra income in retirement.

OK I lied ... money is really not the only objective. I miss the level of social interaction that employment provided.
Also one of my biggest fears in retirement is turning into a couch potato.
by Bustoff
Fri Feb 05, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 3772

Re: Take the Verb Tense Pledge!

“What had happened was”

-- a 'Jeopardy' category in a recent SNL sketch.
by Bustoff
Fri Feb 05, 2016 10:09 am
Forum: Investing - Help with Personal Investments
Topic: When should you purchase a SPIA?
Replies: 3
Views: 266

Re: When should you purchase a SPIA?

If you need $40K from your investments plus inflation adjustments, the rough planning number of 4% would say that you need $1 Million. However at your age you could probably be OK with less, maybe $750K... And Vanguard examined the assumptions of the 4% spending rule of thumb in the current yield e...
by Bustoff
Fri Feb 05, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2499

Re: Where to Stay in San Francisco?

The last time we VRBOd it, we ended up next to the muni line in the Castro and it was very loud. Interestingly, we just paid less per night than we did for the VRBO for a basic interior courtyard room at the Fairmont on Nob Hill. All the old hotel charm, smaller room, no view, but quiet and central...
by Bustoff
Fri Feb 05, 2016 8:18 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275157

Re: What Movie Have You Recently Watched?

Finished Madoff last night. I thought the second half was much better. In one remarkable scene, the movie recounts how Madoff thought it was "game over" during a 2006 investigation when the SEC insisted Madoff provide them with his DTC account number... which he did.
by Bustoff
Thu Feb 04, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275157

Re: What Movie Have You Recently Watched?

Watched the first episode of the Bernie Madoff mini-series last night. Not great.

The People vs OJ Simpson was kind of cheesy.
by Bustoff
Thu Feb 04, 2016 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Uber driving for extra income in retirement.
Replies: 31
Views: 3145

Re: Uber driving for extra income in retirement.

Not to mention the extra work of having a drunk throw up on the seat. Or a mother who brings along a baby with a leaky diaper. Even If you a post a prominent "No Smoking" sign, are you prepared to deal with the numerous axholes who will defy you and light a cigarette anyway? Gotta be easi...
by Bustoff
Thu Feb 04, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Uber driving for extra income in retirement.
Replies: 31
Views: 3145

Re: Uber driving for extra income in retirement.

Make sure your auto insurance won't deny coverage in the event of an accident. My insurance company advised there is no coverage in effect when using my vehicle as an Uber driver. However, Uber holds a commercial insurance policy with $1 million of coverage per incident. Drivers’ liability to third...
by Bustoff
Thu Feb 04, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Uber driving for extra income in retirement.
Replies: 31
Views: 3145

Re: Uber driving for extra income in retirement.

Eric and joebh - thank you for the info and links!
by Bustoff
Thu Feb 04, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Uber driving for extra income in retirement.
Replies: 31
Views: 3145

Uber driving for extra income in retirement.

I'm retired and thinking about becoming an Uber driver in my spare time. On the other hand, I don't want to get beat up for a few extra bucks.
Would be interested in hearing from anyone who has tried this.
by Bustoff
Thu Feb 04, 2016 11:39 am
Forum: Investing - Theory, News & General
Topic: Make your retirement money last
Replies: 36
Views: 7551

Re: Make your retirement money last

Since we retired 5 years ago and began withdrawals our portfolio has increased by 8%.
by Bustoff
Thu Feb 04, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: "Maybe You Should Sell Some Stocks"
Replies: 6
Views: 1367

Re: "Maybe You Should Sell Some Stocks"

Thank you Taylor. Maybe I'm becoming more skeptical with age, but investing in equities is seeming more like an exercise in blind faith. I'm not referring to any particular investment strategies or how to define risk, but rather the overall health of the stock market. How do we gauge the general hea...
by Bustoff
Thu Feb 04, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Suggested AA for Retirees
Replies: 11
Views: 804

Re: Suggested AA for Retirees

You probably already know this, but your withdrawal rate has more impact than asset allocation.
http://retirementresearcher.com/rise-not-rise-stock-allocation-retirement/
by Bustoff
Thu Feb 04, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7105

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

tadamsmar wrote:Being a Boglehead, I bought the cheapest LED light bulbs ... I now look like the walking dead.

I gotta have some of those...where did you get them?
by Bustoff
Wed Feb 03, 2016 12:18 pm
Forum: Investing - Theory, News & General
Topic: Why didn't bond funds go down?
Replies: 27
Views: 3437

Re: Why didn't bond funds go down?

Some rates are going negative. (eg. BOJ, Germany)
Rates can't go negative unless someone is willing to buy them.
Other than someone betting rates will fall even farther, who would buy negative yield bonds?
by Bustoff
Wed Feb 03, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: My portfolio
Replies: 9
Views: 544

Re: My portfolio

Hard to find any drawbacks to a 40/60 portfolio complimented with pensions and SS.
by Bustoff
Wed Feb 03, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: patio enclosure - advise
Replies: 16
Views: 1514

Re: patio enclosure - advise

If you are making a down payment make sure it is no more than 10% of the contract price or $1,000, whichever is less. http://www.cslb.ca.gov/Consumers/Hire_A_Contractor/Home_Improvement_Contracts/ The Contractors State License Board (CSLB) is alerting California consumers who are considering hiring ...
by Bustoff
Wed Feb 03, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 32
Views: 2504

Re: How to stop MS loading Windows 10?

CountryBoy wrote:I thought automatic updates provided me with antivirus info for my machine, among other things.

You can check for updates and choose whether to download and install them.
by Bustoff
Wed Feb 03, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 49
Views: 6183

Re: Recent Vanguard Trouble

In my opinion mistakes are becoming more frequent everywhere. I get conflicting answers and bad information all the time. Whether it's cable companies or health insurance or retailers, I get different answers to the exact same question. You really need to make multiple calls in order to get correct ...
by Bustoff
Wed Feb 03, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 32
Views: 2504

Re: How to stop MS loading Windows 10?

My understanding is that they are now forcing it on people. Just turn off Automatic Updates. There is still the ability to opt out of the installation even if the Windows 10 upgrade is accidentally completed because there is a 31 day grace period in which to revert to Windows 7 or 8.1. I upgraded t...
by Bustoff
Wed Feb 03, 2016 8:34 am
Forum: Personal Finance (Not Investing)
Topic: What growth rate would you use?
Replies: 75
Views: 3561

Re: What growth rate would you use?

I would be cautious using anything higher than 2%.
by Bustoff
Wed Feb 03, 2016 7:50 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275157

Re: What Movie Have You Recently Watched?

Making a Murderer on Netflix.
Decided to check it out when I saw that IMDB gave it a rating of 9.1 out of 10.
by Bustoff
Wed Feb 03, 2016 7:11 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6411

Re: What age did you retire

I retired at age 57.
by Bustoff
Wed Feb 03, 2016 6:44 am
Forum: Personal Consumer Issues
Topic: Alternative to Briggs & Riley Luggage
Replies: 33
Views: 2180

Re: Alternative to Briggs & Riley Luggage

The Osprey carry-on is worth a look. It has 2 padded sleeves for both a 15 in. laptop and 10 in. tablet.
You can use it for business and pleasure.
http://www.rei.com/product/837018/osprey-meridian-wheeled-convertible-luggage-22
by Bustoff
Mon Feb 01, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2499

Re: Where to Stay in San Francisco?

Thank you to those who have replied thus far. Really appreciate your thoughts suggestions.
by Bustoff
Mon Feb 01, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2499

Re: Where to Stay in San Francisco?

2) Not to be alarmist, but some areas of the city are dangerous. Do not ignore personal safety when looking for places to stay, and do not ignore local advice about places to avoid. Stay out of the Mission and the Tenderloin at all times. Some places are fine by day, and yet I would avoid them at n...
by Bustoff
Mon Feb 01, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2499

Re: Where to Stay in San Francisco?

"Good" is always highly subjective so always clarify exactly what you mean when you use the word. What sorts of things are you interested? What do you need/want nearby? What are you intending to visit during your stay? What's your budget? Those are just some suggestions of things to consi...
by Bustoff
Mon Feb 01, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2499

Re: Where to Stay in San Francisco?

SF is a pretty small land area so it's hard to go too wrong no matter where you stay. I generally stay in the Union Square area. It is centrally located and there are many small and large hotels to pick from. I would strongly suggest not bringing a vehicle into the city. You will pay dearly for par...
by Bustoff
Mon Feb 01, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2499

Where to Stay in San Francisco?

Hello Bogleheads,

We are planning a week long vacation in San Francisco this Spring. This is our first visit to San Francisco and would appreciate suggestions on good areas to stay. We will have a rental car are considering a VRBO or Airbnb type rental.

Thanks
Bustoff
by Bustoff
Fri Jan 29, 2016 9:32 am
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9387

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

"By periodically investing in an index fund, for example, the know-nothing investor can actually out-perform most investment professionals. Paradoxically, when "dumb" money acknowledges its limitations, it ceases to be dumb." http://www.berkshirehathaway.com/letters/1993.html
by Bustoff
Fri Jan 29, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4242

Re: Which news source do you use?

I find the BBC news channel more pleasant. They are much less dramatic than their American counterparts, and they speak rather softly, which is nice.
by Bustoff
Wed Jan 27, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 209
Views: 10801

Re: Do you pay for exercise?

A few years back I paid Club Fitness. I needed a treadmill during the winter months.
That was the only time I ever paid and would never do it again.
by Bustoff
Mon Jan 25, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Donating a retired computer with financial info on it
Replies: 27
Views: 2061

Re: Donating a retired computer with financial info on it

BolderBoy wrote:...I simply encrypt the entire disk and give them away, too - only takes a minute to do (using a BSD util). What I had on them can't be retrieved and someone else might want to use the drive.

What is BSD?
Does it require any level of expertise to use it?
by Bustoff
Mon Jan 25, 2016 8:30 am
Forum: Investing - Theory, News & General
Topic: Rebalancing, another study
Replies: 127
Views: 9230

Re: Rebalancing, another study

...What is MOST INTERESTING are the additional methods that he tested and the take-home message that rebalancing benefits are HIGHLY dependent on the percentage of one's portfolio devoted to equities. ... Thanks for the link! Jim Otar wrote an article that appears consistent with the article mentio...
by Bustoff
Sun Jan 24, 2016 3:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 4993

Re: Hope everyone is well [Preparing for Eastern US blizzard]

They interviewed Pat's Cheesesteak on TV yesterday. They vowed to remain open throughout the storm. They look really good.
Stay safe everyone.

Image
by Bustoff
Sun Jan 24, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 5387

Re: What was the 2000 crash like in real time?

Three years of watching the value of my retirement funds shrink by $10,000 a month, while my new job paid half as much in gross pay. It was very painful. I was mostly in equities and had a lot of stock in AT&T, from which I had just retired. Index funds and a strong allocation to bonds are much...
by Bustoff
Sun Jan 24, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275157

Re: What Movie Have You Recently Watched?

"The Hundred-Foot Journey"
We really enjoyed this film.
It's currently running on Showtime.
by Bustoff
Sun Jan 24, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 137
Views: 13819

Re: The Big Short

Inside Job was unwatchable to me. Basically not unlike an extended version of those conspiracy theory editorials written by those on either extreme of the political spectrum. I know people eat that stuff up, but still hard for me to understand. People want a villain, this move was the hook and a ve...
by Bustoff
Sun Jan 24, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Donating a retired computer with financial info on it
Replies: 27
Views: 2061

Re: Donating a retired computer with financial info on it

I want all traces of that completely gone before the machine leaves my house. I did the following: 1. Used the eRecovery to reinstall the factory default onto the C drive. This essentially erased everything on C including programs and any data remnants, and reinstalled Windows and all the rest of t...

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