Bogleheads.org

KarenC

Thanks for the suggested readings. I'll take a look at those. It seems to do 72t withdrawals and Roth conversations I will need to split my tIra into two accounts from what I've read and use one for each. I have never seen this suggestion. The IRS considers multiple Traditional IRA accounts as one ...

KarenC

Gold might be trying to tell us all something or maybe its a nothing burger. Time will tell https://pbs.twimg.com/media/DaDPO6cW0AAjXYb.jpg:large Do people seriously actually get actionable information from that chart? Do these people have STEM background? I can see a blue line and a sort of amber ...

KarenC

Have you looked at Vanguard's white papers and blogs on dynamic withdrawal rates? Here's a link to one from Colleen Jaconetti: https://vanguardblog.com/2017/09/07/how-to-put-a-dynamic-retirement-spending-strategy-in-place/ The corresponding white paper: A more dynamic approach to spending for inves...

KarenC

What's hard to figure out? The big run up from 1960-2000 was women, formerly stay-at-home-moms, entering the workforce in large numbers and the rise of the two-income family. The falloff after 2000 is people dropping out of the workforce. Have you done any quantitative analysis of this hypothesis? ...

KarenC

I’ve been an Amazon Prime customer for over two years and, so far, it has been completely reliable.

KarenC

I also hang up immediately. Since it minimizes the amount of wasted time for them, I don't think of it as rude at all.

KarenC

heyyou wrote: ↑
Mon Feb 12, 2018 9:11 pm
There is some Eastern saying about feeling grateful for whatever you do have, thus you don't need or want more.

“It's not having what you want / It's wanting what you've got“ — Sheryl Crow, “Soak Up the Sun”

KarenC

JCE66 wrote: ↑
Mon Jan 29, 2018 7:32 am
Bogleheads....I am looking for people who have successfully taken withdrawals under Rule 72T.

I did. I found 72t.net a useful resource.

KarenC

zaboomafoozarg wrote: ↑
Sat Jan 20, 2018 1:01 pm
I miss polls.

60/40

I was just thinking the same thing. 60/40 (100/0 fixed)

KarenC

While this forum is full of extremely wealthy people, the reality for most people is they don't "have a number" because retiring before they are eligible for their pension/Social Security/Medicare is simply impossible. So they are working to a fixed age virtually regardless of the size of their por...

KarenC

by libralibra » Sun Dec 24, 2017 12:53 am By that argument, raising tax rates should increase charitable giving, right? But then people would just say they have less money so will give less! Both these arguments cannot be true. You're talking idealism. We're talking human nature. I'll wager any amo...

KarenC

YouTube tv sounds intriguing. Is it HD? Does it include BBC, PBS, ESPN? Those are pretty much all we watch besides Netflix. Yes to BBC and ESPN, no to PBS. I don't know of any online streaming services that include PBS. Depending on where you live you may be able to get it with an antenna. A small ...

KarenC

I’m reminded of this 1997 Wired article The Long Boom: A History of the Future, 1980 - 2020 : But there's a new, very different meme, a radically optimistic meme: We are watching the beginnings of a global economic boom on a scale never experienced before. We have entered a period of sustained growt...

KarenC

TomatoTomahto wrote: ↑
Fri Sep 29, 2017 9:42 am
Great cable. I use a lot of Anker products, generally. Great USB wall plugs.

Sounds like you are quick to Anker.

KarenC

As someone who favors ebooks, I like the idea of digital newspapers (and magazines). There is one advantage of printed newspapers, however, that I didn’t appreciate until the digital versions appeared: no animated embedded ads. I’m not talking about ad pages that one can swipe past to get to more co...

KarenC

WhiteMaxima wrote: ↑
Mon Sep 18, 2017 12:47 pm
What iphone X can do what my iphone 5SE can't?

https://www.apple.com/iphone/compare/

KarenC

However... :shock: as the Backblaze files were restored... I happened to open one, and then another, and then another... and they were all... EMPTY. Backblaze insisted that was impossible. Had you perhaps run into this issue? Unzipping restores with the built in Windows unzip utility can cause empt...

KarenC

Wife decided she's going to go to the Apple Store and see about getting her phone fixed. Current issues are: 1. Charging intermittently stops when plugged in. 2. Phone switches from vibrate back to ringer regardless of where the switch is set. If she can't get it fixed for a reasonable price she de...

KarenC

What is the reason or logic behind requiring a password to be changed often? It seems to me that if a hacker is going to get into a password protected account they would have to do it once and it wouldn't make any difference whether the password had been in effect or two days or two years. And once...

KarenC

Or just use a variant of the XKCD approach: https://xkcd.com/936/

KarenC

The huge advantage the US enjoys with its geographic location,amount of rivers and lakes,etc.is well documented.The people of course have to take advantage of it,which we have.No country on earth has the geographical,natural resource and agricultural benefits we enjoy.That will not be changing. FWI...

KarenC

Actually, if you want to know why the markets are down so much today, it is because I put a lot of money in yesterday. :annoyed It’s actually because I’m planning on making a lump sum investment of a windfall later next week. I apologize in advance, but the market is just going to have to go down b...

KarenC

How many Bogleheads invest in the Jack Bogle Two Fund Portfolio? Seems to me that the folks seeking such level of simplicity would be much better off with a single LifeStrategy fund (pick the one you like based on your tolerance for volatility, and be done with it). This is the recommendation I mak...

KarenC

inbox788 wrote: The denominator is easily estimated at 7.5B world population.

http://www.worldometers.info/world-population/

You might want to narrow that to English speakers; according to Wikipedia, that number is 983 million.

KarenC

Here is an interesting perspective: This is the key to understanding the purchase of Whole Foods: to the outside it may seem that Amazon is buying a retailer. The truth, though, is that Amazon is buying a customer — the first-and-best customer that will instantly bring its grocery efforts to scale. ...

KarenC

ray333 wrote:People are scared of investing. It took forever to convince my girlfriend (making 6 figures and paid off student loans) to "invest" @ 32 ... with a target retirement fund

Why the scare quotes? A target retirement fund is a legitimate investment.

KarenC

Any thoughts about the Vanguard 4-fund portfolio vs the traditional 3-fund portfolio? Any reasons NOT to go with the Vanguard 4-fund portfolio? need403bhelp: […] You can find my reasons for not including an international bond fund in the three fund portfolio. Use the link above, page 11, about 3/4 ...

KarenC

This brings to mind this cartoon from the New Yorker.

KarenC

What do people think of Fidelity's simplistic approach of "how many times your annual income to have saved" along one's path as a guide? [snip...] It seems to make sense as a nice guide, and the article talks about hypothetical adjustments (retiring earlier or later; spending more or spending less ...

KarenC

What do people think of Fidelity's simplistic approach of "how many times your annual income to have saved" along one's path as a guide? [snip...] It seems to make sense as a nice guide, and the article talks about hypothetical adjustments (retiring earlier or later; spending more or spending less ...

KarenC

An old, very long essay by Neal Stephenson: In the Beginning Was the Command Line About twenty years ago Jobs and Wozniak, the founders of Apple, came up with the very strange idea of selling information processing machines for use in the home. The business took off, and its founders made a lot of m...

KarenC

This doesn't work well if you have a huge rise in income over a few years (for me it was 4x). Agreed. I started out making peanuts right out of college for 5+ years, and thanks to a couple of job changes in my late 20s, my income tripled in just a couple years. Instead of the most recent income, I ...

KarenC

I dread the advent of ubiquitous drones because of how noisy they are.

KarenC

My glide path is variable and doesn't depend on age at all. I know I'm on pace to retire much earlier than normal because of my income vs expenses. I also don't want to have to work longer than I need to. So what do I do? Figure out how much I need for retirement based on my expenses. Lets say I de...

KarenC

I'll confess a certain fondness for E ight M egabytes A nd C onstantly S wapping, but ed is the standard editor . I had not seen that one before. Thanks. For others who don't get the joke, see Paging . My favorite is Escape Meta Alt Control Shift. (I basically spent my working life in Emacs from 19...

KarenC

About a year after I entered the "real world," something put the fear of being old and poor in me. I started contributing as much as I could to the 401(k) I had through my employer, and continued that until I lost my job in 2010. For some reason, I didn't pay much attention to the 401(k) statements...

KarenC

2359.68

KarenC

HomerJ wrote:This. It's really this simple. Market-timers CHANGE their AA. Rebalancers MAINTAIN their AA.

Not so simple. I change my AA on a monthly basis but I am not a market-timer. (I track a target-date fund.)

(Edited to correct the attribution.)

KarenC

Mike, Thanks for the thoughtful response. Seems like we do have similar approaches. I do sometimes feel I am layering on caution, on top of safety, on top of being conservative sometimes. I am planning for 3% instead of 4%, plan on using G&K, and not counting SS in my plan. Admittedly, a bit too co...

KarenC

Vanguard now recommends between 30% and 50% international stocks. They would consider 20% too low. From Vanguard's Portfolio Watch tool " consider To further diversify your stock portfolio, consider allocating 30% to 50% to foreign stocks." Springman: Can you provide a link to Vanguard's latest rec...

KarenC

Overcast.

KarenC

The Vanguard app doesn't allow me to paste in my password (which is a nice long random sequence) so I never use it.

KarenC

I try to follow the same approach. In a news article I heard this referred to as "stealthy wealthy." This is actually a very important question! (I've thought about this a lot) I try super hard not to become a target. Keep a very low profile. Do not be flashy in any way (no corvettes). Blend in. I d...

KarenC

2208.71

KarenC

From an interesting article I ran across earlier today: Put more simply: More renters should be buying homes. It would be the cheaper option for a lot of them. Except for in the cities where housing prices are simply soaring (New York, San Francisco, and Washington, D.C., to name three), more renter...

KarenC

Some historical data: Life Expectancy by Age, 1850–2011

KarenC

I still can't find another watchmaker, that sold as many watches in its first 3-4 months of selling its very first product. ... What exactly does this show other than the Apple brand is amazingly strong? Do you know a single person who did not already have several Apple products who is even the lea...

KarenC

How does an Apple Watch owner know it's 12:00 noon? The battery needs recharging. That certainly hasn't been my experience. My Apple Watch typically has about a 30% charge when I put it on the charger and go to bed. (That's with a ~1 hour long workout; workouts consume more power since the HR senso...

KarenC

Now, fast forward to the present. Again the watch cannot show the time constantly since doing so would use too much battery. I don't want to be in a meeting and raise my wrist to see the time. I just want to glance at my wrist. It's not as unobtrusive as a glance, but you can tap the watch face to ...

KarenC

In terms of getting realtime feedback on your driving, you might want to consider Automatic.

mac_guy wrote:
LAlearning wrote:My guess is your driving is to blame.
That very well may be true. Any advice on how to drive more fuel efficiently?

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