Search found 2172 matches

by Dulocracy
Fri Dec 02, 2016 12:37 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 109
Views: 4037

Re: What percentage of international do you hold?

I am at 40% of equities in international and 0% of fixed income. I read a study a while back (Vanguard?) that said 30-40% was ideal. I read another study saying 40-50% was ideal. Both studies agreed that 40% was within the range of ideal, so I went with it. I have not really read up on what they thi...
by Dulocracy
Tue Nov 29, 2016 3:02 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 10981

Re: Anybody regretting holding on to your REITS?

I like these threads, don't pay much attention to asset value fluctuations and now realize I can purchase more of the Vanguard REIT fund in my tax advantaged account at cheaper prices, as I also plan to do with the muni bond funds in taxable. Thanks for the heads up. Exactly. No, I do not regret ho...
by Dulocracy
Tue Nov 29, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: DIY Wills - Who to use?
Replies: 24
Views: 1747

Re: DIY Wills - Who to use?

For what it is worth, I charge more to review a will created by someone else and suggest amendments than I do to draft one from scratch. For me, it is easier to know the client's goals and to meet them than to go through the "cheap" route's paperwork and adjust it to fit what I believe to ...
by Dulocracy
Tue Nov 29, 2016 2:36 pm
Forum: Investing - Theory, News & General
Topic: What is a "standard" Small Cap tilt portfolio
Replies: 35
Views: 2763

Re: What is a "standard" Small Cap tilt portfolio

Whoops. I just posted in the link livesoft posted. Meant to post it here: 60% of my equities are US. 1/3 of my US portion or 20% of my total equities are US large value 1/6 of my US portion or 10% of my total equities are US mid value 1/6 of my US portion or 10% of my total equities are US mid blend...
by Dulocracy
Tue Nov 29, 2016 2:09 pm
Forum: Investing - Theory, News & General
Topic: How Much To Tilt To Small Value?
Replies: 50
Views: 5888

Re: How Much To Tilt To Small Value?

60% of my equities are US. 1/3 of my US portion or 20% of my total equities are US large value 1/6 of my US portion or 10% of my total equities are US mid value 1/6 of my US portion or 10% of my total equities are US mid blend 3/12 of my US portion or 15% of my total equities are US small value 1/12...
by Dulocracy
Mon Nov 28, 2016 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: IRA for adult children?
Replies: 50
Views: 3571

Re: IRA for adult children?

You CAN contribute to a non-deductible IRA and subsequently convert it to a Roth. Isn't nondeductible the definition of a ROTH? All contributions are after tax no deduction taken. Dulocracy meant to say: You CAN make a non-deductible contribution to Traditional IRA and subsequently convert it to a ...
by Dulocracy
Wed Nov 23, 2016 10:44 am
Forum: Investing - Help with Personal Investments
Topic: IRA for adult children?
Replies: 50
Views: 3571

Re: IRA for adult children?

You can convert to Roth, but having traditional IRA money can prevent a back door Roth IRA. Basic breakdown: If you make too much money, you cannot contribute to a Roth. You CAN contribute to a non-deductible IRA and subsequently convert it to a Roth. IF you have traditional IRA money, your taxes ar...
by Dulocracy
Wed Nov 23, 2016 10:40 am
Forum: Investing - Theory, News & General
Topic: small cap value? overplayed?
Replies: 30
Views: 3265

Re: small cap value? overplayed?

OP: If you are questioning whether or not small value is right for you, it probably is not. I am willing to take (and have taken) a significantly lower return on the hope that SV works out for me. I can stay the course. If I was not certain that this was the strategy for me to take, I would be tempt...
by Dulocracy
Wed Nov 16, 2016 11:46 am
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 19201

Re: Why are bonds dropping? They are supposed to be safe.

If they don't want to wait that long, or they want to rebalance some of that bond safety money into stocks, then again, I reiterate the largest mover of the bond prices will be interest rate movements for the majority of the life of the bond. I believe this is precisely your answer. In a rising int...
by Dulocracy
Wed Nov 16, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: IRA for adult children?
Replies: 50
Views: 3571

Re: IRA for adult children?

Uncle Pennybags wrote:Crazy spending is not a problem. A traditional IRA is all I need.


Again, to leave all of the future Roth options open, I would recommend using a Roth IRA instead of a traditional IRA if you are not using a trust.
by Dulocracy
Tue Nov 15, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Life Estate and Gift Tax
Replies: 3
Views: 469

Re: Life Estate and Gift Tax

but an attorney who doesn't even understand gift taxes is not the one to consult. jimb Spot on (and I love when someone provides good links like jimb does). I work at a law firm. Our contracts state that we do not give tax advice, and we refer people to a CPA for tax planning when we are handling a...
by Dulocracy
Tue Nov 15, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14486

Re: Monthly grocery costs? How do you keep it low?

Cereal is cheap. We started having a cereal dinner when we were on our "money diet". We actually eat cereal for dinner a few times a month even now, as we found it is quick, easy, and we enjoy it. (We eat healthier cereals, not sugary ones). . Any recommendations? My wife switched to comp...
by Dulocracy
Tue Nov 15, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: IRA for adult children?
Replies: 50
Views: 3571

Re: IRA for adult children?

Uncle Pennybags: For the amount of control you want, a spendthrift trust really is the best plan. In Georgia, I know the going rate among several estate attorneys is $3,000 per trust. If your children cannot be trusted with the money, set up trusts. If they can be trusted and they are just learning,...
by Dulocracy
Tue Nov 15, 2016 11:35 am
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 19201

Re: Why are bonds dropping? They are supposed to be safe.

[Quoted posts removed by admin LadyGeek] OP: Read Kevin M's post. TomCat 96 proposed: "Moreover bonds are not stock. They don't bounce back the same way stocks do. They are not ownership in equity. That means in a sense, once a bond drops, the only mechanism the bonds have of returning back to...
by Dulocracy
Tue Nov 15, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6143

Re: Secure alternative to Gmail

Church Lady wrote:
If I'm paranoid about Google data mining my account, do I pretty much have to avoid using the Chrome browser to access my google-free email account? If so, what are good, private alternatives ?

Thanks!


Yes. Check out Opera and Firefox as alternatives to Chrome.
by Dulocracy
Tue Nov 15, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14486

Re: Monthly grocery costs? How do you keep it low?

Go through the refrigerator/freezer every week to see what "MUST BE EATEN" to avoid loss due to spoilage. Pasta noodles/sauce is cheap. Add a few veggies for health. Cereal is cheap. We started having a cereal dinner when we were on our "money diet". We actually eat cereal for di...
by Dulocracy
Tue Nov 15, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: Glide path for 100% Equity Portfolio
Replies: 17
Views: 2302

Re: Glide path for 100% Equity Portfolio

Do not look at it as "what age". Look at it as, "How far from retirement should I..." You see, the date at which you will start drawing down is what really matters. If two 30 year olds are trying to decide when to add bonds, and one will retire at 50, while the other retires at 7...
by Dulocracy
Tue Nov 15, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: Real Total Return (Larry Swedroe Question)
Replies: 56
Views: 4977

Re: Real Total Return (Larry Swedroe Question)

Thank you, Larry, for taking the time to respond here. I learn every time you post. Unfortunately, often that means that I learn that I need to increase my savings rate even more. However, understanding these nuances helps to avoid mental errors that could derail retirement. My question about inflat...
by Dulocracy
Tue Nov 15, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Can someone check my TLH plan ?
Replies: 4
Views: 519

Re: Can someone check my TLH plan ?

As a side note, from reading on this site: make sure you do not have proceeds automatically invested. You would not want to receive a small payment, have it be reinvested after you sell, thereby triggering a wash sale.
by Dulocracy
Tue Nov 15, 2016 10:01 am
Forum: Investing - Help with Personal Investments
Topic: EM buying opportunity? [Emerging Markets]
Replies: 35
Views: 3939

Re: EM buying opportunity? [Emerging Markets]

My 401k offers 3 EM funds: VEIEX (Vanguard EM with the China A shares) DEMSX (Dimensional, EM Small Cap) DFEVX (Dimensional, EM Value) I was contributing of equities: 5% VEIEX, 2% DEMSX, and 3% to DFEVX (I am 60 US/ 40 intl, with 25% of Intl going to EM). Because of concerns about China's A shares, ...
by Dulocracy
Tue Nov 15, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: Four-Fund Portfolio?
Replies: 23
Views: 3297

Re: Four-Fund Portfolio?

I am curious how international bonds, and specifically Total International Bond Index, will hold up during market trauma and the next financial crisis. Abuss: One of the oldest international bond funds is T. Rowe Price International Bond Fund (RPIBX). It gained +1.8% during the 2008 financial crisi...
by Dulocracy
Tue Nov 15, 2016 9:36 am
Forum: Investing - Theory, News & General
Topic: Muni bonds are getting killed. Are you bailing out?
Replies: 75
Views: 9811

Re: Muni bonds are getting killed. Are you bailing out?

Apparently as a consequence of Trump becoming POTUS elect, municipal bonds are getting slammed much worse than corporate bonds and somewhat worse than treasuries. The main factors are reported to be: anticipated lowering of tax brackets, anticipated increase in inflation and an anticipated increase...
by Dulocracy
Thu Nov 10, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: Four-Fund Portfolio?
Replies: 23
Views: 3297

Re: Four-Fund Portfolio?

International bonds increase risk in several ways, and they are more expensive. I like my fixed income portion to preserve assets and protect me from risk. I do not plan to hold international bonds for these reasons.
by Dulocracy
Thu Nov 03, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help me time the market one last time: South America
Replies: 27
Views: 2225

Re: Help me time the market one last time: South America

If you think you can successfully time the market once, why not always? If you have that skill (or access to it) then you can make a killing! It is not that I think I can successfully time the market, so much as I am trying to semi-successfully figure out whether or not I can get out of this pre-Bo...
by Dulocracy
Thu Nov 03, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help me time the market one last time: South America
Replies: 27
Views: 2225

Re: Help me time the market one last time: South America

First, let me say that I delayed in responding to this post, as my initial reaction was to be quite taken aback. I am not accustomed to rude comments on this site, and I wanted to make sure my response was not a knee-jerk reaction. There's no such thing as a paper loss (or gain, for that matter). If...
by Dulocracy
Thu Nov 03, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: What benefits do you give your nannies?
Replies: 3
Views: 638

Re: What benefits do you give your nannies?

A friend of mine was a nanny for a while. She got paid less than other nannies, but she had a small apartment on-premises that was provided for her. They did not provide her insurance, but I understand they paid for co-pays/doctor visits (and had an obvious incentive to do so- so she could work and ...
by Dulocracy
Thu Nov 03, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 78
Views: 6241

Re: How much international?

I read a study that said 30-40% was the sweet spot (I think this was the Vanguard one?). Another said 40-50%. I respected the authors of each. Both included 40% in their ranges, so that is what I went with. I believe it is more important to stay the course and not fiddle with things than it is to ha...
by Dulocracy
Thu Nov 03, 2016 8:56 am
Forum: Investing - Theory, News & General
Topic: Doubting Your Portfolio Tilts
Replies: 51
Views: 3799

Re: Doubting Your Portfolio Tilts

I understand all of the research on small-caps outperforming large caps over the long-term (especially small-cap value). I know many here tilt their portfolio away from the market-cap weights. But I am not 100% convinced that small-caps will continue to outperform in the future. Say I'm 80% or 90% ...
by Dulocracy
Thu Oct 27, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Help me time the market one last time: South America
Replies: 27
Views: 2225

Re: Help me time the market one last time: South America

It bothers me that it sounds as if your wife has the idea (surprisingly common) that you can eliminate all risk in investing simply by refusing ever to sell at a loss. However, if this fund is a small enough part of your portfolio that you could easily afford to lose it all then you might well just...
by Dulocracy
Thu Oct 27, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: Dont invest in 401K
Replies: 42
Views: 4405

Re: Dont invest in 401K

How foolish. Wealth is often built in 401ks. You are listening to the advice of someone who made a lot of money, but who has a high chance of losing that money. I like to be diversified. I own a law firm. I own a piece of commercial property. I own a piece of residential investment property. I have ...
by Dulocracy
Tue Oct 25, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help me time the market one last time: South America
Replies: 27
Views: 2225

Help me time the market one last time: South America

I have no individual stocks anymore. I have only one pre-boglehead investement left. I am going to do something un-bogleheaded: try to time the market. The smartest people that I know in the investing world are here. Many of you are going to tell me not to do it. For those willing to help and listen...
by Dulocracy
Tue Oct 25, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for unemployed 64-year old broke friend
Replies: 79
Views: 9271

Re: Advice for unemployed 64-year old broke friend

I recently sold a piece of property to some people with owner financing. 6% interest. Their monthly payment was $340.00 per month to own a two bedroom house. Unfortunately, I had to foreclose, but that is not overly relevant. The point is that there are places throughout small town America where he ...
by Dulocracy
Thu Oct 20, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting for one after a spouse dies--are there any "average" decreases?
Replies: 26
Views: 2290

Re: Budgeting for one after a spouse dies--are there any "average" decreases?

Not an exhaustive list, but some general thoughts: List of costs that will likely go away: Car note for deceased Car insurance for deceased vehicle Insurance policies (life insurance that is now cashed out an no longer something for which one pays) Medical expenses for deceased (ongoing. There may b...
by Dulocracy
Wed Oct 19, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Who do you trust when there's no one to trust? (and it involves trusts)
Replies: 47
Views: 3366

Re: Who do you trust when there's no one to trust? (and it involves trusts)

I think it's still a good idea to have these systems in place, even if you have to update your preferences if you move to another state (one of the many pains of moving). You still need a plan - and a will in place - for today. I completely agree that OP needs a plan in place now. I am just trying ...
by Dulocracy
Wed Oct 19, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Who do you trust when there's no one to trust? (and it involves trusts)
Replies: 47
Views: 3366

Re: Who do you trust when there's no one to trust? (and it involves trusts)

This is probably not an uncommon situation, and your net worth is really beside the point. The primary things to do in my view would be the following: 1. Engage an estate planning attorney who is willing to act as executor of your will and who can help you set up a trust if you end up going that ro...
by Dulocracy
Wed Oct 19, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Living trust vs will
Replies: 46
Views: 5326

Re: Living trust vs will

A broad explanation of a time when no trust at all is (typically) recommended: Kids are old enough that they are trusted. Assets under $4mil (you want to start planning as you approach the federal tax limit, not after you reach it). Thank you for the explanation. Would a testamentary trust be appro...
by Dulocracy
Wed Oct 19, 2016 1:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: June 11, 2016 - Sacramento Area Bogleheads - Meeting Summary
Replies: 3
Views: 446

Re: June 11, 2016 - Sacramento Area Bogleheads - Meeting Summary

Thank you for posting this. Not only is it great to see what was discussed, getting an idea of the format will inevitably help others understand what a well run meeting looks like. I'm sure my mother put you up to this ... now, where do I send the ten dollars, again? (thanks :wink: ) There is a &qu...
by Dulocracy
Wed Oct 19, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead oriented CPA in Atlanta?
Replies: 10
Views: 1304

Re: Boglehead oriented CPA in Atlanta?

TomasPin wrote:If someone could forward this information to me as well, I would very much appreciate it :)

Sent.
by Dulocracy
Wed Oct 19, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Who do you trust when there's no one to trust? (and it involves trusts)
Replies: 47
Views: 3366

Re: Who do you trust when there's no one to trust? (and it involves trusts)

This may be a situation in which you speak to an attorney to prepare a trust for yourself. You will name yourself as the trustee, but specifically note that in the event of your incapacity, the attorney appointed by the county to act as conservator in guardianship situations would be appointed to se...
by Dulocracy
Wed Oct 19, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Living trust vs will
Replies: 46
Views: 5326

Re: Living trust vs will

I am in my 14th year of practice, and I have convinced more people NOT to create a trust than I have to create one, as it simply is better for them. Would you mind giving some examples of situations in which you would recommend to not create a trust? Actually, let me clarify: the topic was living t...
by Dulocracy
Wed Oct 19, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Living trust vs will
Replies: 46
Views: 5326

Re: Living trust vs will

Revocable trusts are appropriate in some cases, and in some states. They're common in California for reasons specific to California. However, they're overhyped and oversold, and for most people, in most states, they're mainly a distraction. In most states, probating a Will is not particularly diffi...
by Dulocracy
Wed Oct 19, 2016 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Bond Allocation & Lower ETF Costs?
Replies: 11
Views: 1066

Re: Taxable Bond Allocation & Lower ETF Costs?

Your post is about bonds. You are not using the TSP. If I had the TSP, I would be overjoyed to dump every penny of my bond money into the G fund. I would have no bond allocation that was not the G fund. Use your TSP. Use the superb bond options available to you there. As others have stated, you can ...
by Dulocracy
Wed Oct 19, 2016 10:16 am
Forum: Local Chapters and Bogleheads Community
Topic: June 11, 2016 - Sacramento Area Bogleheads - Meeting Summary
Replies: 3
Views: 446

Re: June 11, 2016 - Sacramento Area Bogleheads - Meeting Summary

Thank you for posting this. Not only is it great to see what was discussed, getting an idea of the format will inevitably help others understand what a well run meeting looks like.
by Dulocracy
Mon Oct 17, 2016 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Trying to make sense of adding bonds
Replies: 47
Views: 4936

Re: Trying to make sense of adding bonds

Here is why I disagree generally with the idea that putting your riskiest assets in Roth is increasing risk: You can rebalance the accounts by exchanging funds. By that, I mean that, in the future, you can simply trade one fund for the other. Just because I have my highest return assets in Roth spa...
by Dulocracy
Mon Oct 17, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Trying to make sense of adding bonds
Replies: 47
Views: 4936

Re: Trying to make sense of adding bonds

Probably foolish of me to try to join this debate now, but whatever. Not at all! As I understand, the discussion is about whether one should preferentially put bonds (or stock) in 401(k) or in Roth. But if one sticks to a pre-determined AA (e.g., hold age in bonds), and accounts for taxation - i.e....
by Dulocracy
Thu Oct 13, 2016 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to make sense of adding bonds
Replies: 47
Views: 4936

Re: Trying to make sense of adding bonds

If you are ever interested in debating it, my premise is simply that: 1) Equities tend to outperform over the long run, and with a 30-40 year duration, you are very likely to have more money in the equities portion, EVEN IF there is a downturn at the time of retirement. 2) A flexible withdrawal str...
by Dulocracy
Thu Oct 13, 2016 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to make sense of adding bonds
Replies: 47
Views: 4936

Re: Trying to make sense of adding bonds

If all else is equal (and it often isn't because of limited 401(k) options), it is slightly better to put assets with higher expected returns in the Roth . If your traditional account has lower than expected returns and you fall into a lower tax bracket, the IRS will not give back the same share of...
by Dulocracy
Thu Oct 13, 2016 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401k, Roth IRA, and Taxable Investment Account Advice
Replies: 16
Views: 1425

Re: 401k, Roth IRA, and Taxable Investment Account Advice

If OP expects to ever have a higher salary and be ineligible for a traditional IRA, this would be a bad idea: it would prevent future backdoor Roth conversions (or force OP to pay taxes to convert what he puts in now... at a time when OP is in a higher tax bracket). I suspect you mean that if OP &q...
by Dulocracy
Thu Oct 13, 2016 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: 401k, Roth IRA, and Taxable Investment Account Advice
Replies: 16
Views: 1425

Re: 401k, Roth IRA, and Taxable Investment Account Advice

If OP expects to ever have a higher salary and be ineligible for a traditional IRA, this would be a bad idea: it would prevent future backdoor Roth conversions (or force OP to pay taxes to convert what he puts in now... at a time when OP is in a higher tax bracket). I suspect you mean that if OP &q...
by Dulocracy
Thu Oct 13, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to make sense of adding bonds
Replies: 47
Views: 4936

Re: Trying to make sense of adding bonds

ALSO, the article DOES NOT COMMENT on time of distribution. Using the information presented in the article, one could devise a flexible strategy of withdrawal from the account to use a natural rebalancing (taking out bonds only, as stocks are down) until the stocks recover. For longer term recoveri...

Go to advanced search