Search found 2118 matches

by RadAudit
Tue Jul 26, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Sailing -- cost?
Replies: 36
Views: 6290

Re: Sailing -- cost?

Can someone please give me feedback on this idea? I am interested in traveling in a boat along the Intracoastal Waterway (ICW) on the East Coast. I would buy a small sailboat, remove the mast, and power with an outboard. Why would I want to a sailboat but not sail? A sailboat is low cost and has sl...
by RadAudit
Sun Jul 24, 2016 3:12 pm
Forum: Investing - Theory, News & General
Topic: King Solomon was the original Boglehead - historically speaking
Replies: 28
Views: 1722

Re: King Solomon was the original Boglehead - historically speaking

Blister wrote:Wasnt Solomon the guy with all the wives and mistresses. Certainly not a Boglehead there. :wink:


Diversification.
by RadAudit
Sat Jul 23, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Does pension affect asset allocation?
Replies: 19
Views: 1752

Re: Does pension affect asset allocation?

So this rough 25x to 30x...would that be independent of any SS and pension income? In other words, if one had $100K in annual living expenses but had $30K in annual SS and another $30K annual in pension income...would the multiplier (25x-30x) be based on the remaining expenses ($40K in this example...
by RadAudit
Sat Jul 23, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Does pension affect asset allocation?
Replies: 19
Views: 1752

Re: Does pension affect asset allocation?

but does the potential of having a pension mean we should change our current AA to something more aggressive? We are currently about 80/20 stocks/bonds. Probably not. For some on this forum, 80 / 20 is a tad too aggressive for your age. But, that's an equine of a different hue. The AA has more to d...
by RadAudit
Sat Jul 23, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 172
Views: 12534

Re: How many folks choose to give inheritance to their children in unequal portions?

HomerJ wrote: Is there anyway my parents could give her the place but keep her from selling it for 20+ years


Life rights to the house with someone else to inherit after her death? (Probably not the best solution.)
by RadAudit
Fri Jul 22, 2016 2:59 pm
Forum: Investing - Theory, News & General
Topic: Great Rick Ferri Interview
Replies: 12
Views: 4458

Re: Great Rick Ferri Interview

abuss368 wrote:This is a little old but you are right it was a good interview. I would like to see a current interview from Rick and his investment thoughts!


Don't know if this is what you want; but, look here. viewtopic.php?f=10&t=195853&newpost=2987680
by RadAudit
Thu Jul 21, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: Wonderful new book
Replies: 4
Views: 996

Re: Wonderful new book

The blog has a video that is a tad too profane for this site. However, it does have an interesting throw away line that goes something like - when you own (the VG Total Stock Market Fund) you have everyone in every publicly traded company in the US from the CEOs to the material handlers on the shop ...
by RadAudit
Thu Jul 21, 2016 9:23 am
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 39
Views: 2319

Re: Discussing investing with spouse

My problem is every time I try to discuss our finances with my wife it seems her eyes glaze over and she just wants me to handle it. Have others had this problem and how did you address it? Had? No, I have this problem. And, I'm apparently doing a very poor job in addressing the problem. Perhaps, t...
by RadAudit
Tue Jul 19, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Traveling to DC
Replies: 32
Views: 1677

Re: Traveling to DC

westie wrote:It's going to be dreadfully hot and humid later in the week.


But, at the end of the day, you'll begin to understand why Congress goes on a six week vacation at this time of the year.
by RadAudit
Tue Jul 19, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: The Savings Gap Between Women and Men: What Is Your Plan?
Replies: 46
Views: 3975

Re: The Savings Gap Between Women and Men: What Is Your Plan?

TonyDAntonio wrote:And you should absolutely go and get the free dinner and just nod in feigned agreement the entire night.


Just don't sign anything. :happy
by RadAudit
Mon Jul 18, 2016 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Scary thought. Running out of time to save for retirement
Replies: 60
Views: 6245

Re: Scary thought. Running out of time to save for retirement

This is sad for someone like me who won't graduate until age 27 and will not be able to contribute anything beyond employer match for at least another 4-5 years after that due to student debt. Only if you think large amounts of money are the only thing that will make you happy. Get on course as soo...
by RadAudit
Sun Jul 17, 2016 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Allocation - New Investor Help
Replies: 7
Views: 557

Re: 401(k) Allocation - New Investor Help

Welcome to the forum.

young_professional wrote:Also, do you think this plan is diverse enough? Yes Are my allocation percentages reasonable? Yes


Best of luck.
by RadAudit
Sun Jul 17, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 49638

Re: I can't believe I am thinking this

Sheepdog, thanks for starting this thread - even under what must of been very trying circumstances.

To all, I've been extremely impressed by the comments of support, encouragement and advice from the forum to one of its members going through a very rough spot. Best to all.
by RadAudit
Sat Jul 16, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: New to investing and IRAs [help with asset allocation]
Replies: 7
Views: 499

Re: New to investing and IRAs [help with asset allocation]

Welcome to the forum. I'm not very risk adverse, though I do want some protection from big swings. Just an observation. If you are risk adverse and are concerned about big swings (50% drop in the equity side of the portfolio?), then your 90 / 10 portfolio asset allocation may be a tad too aggressive...
by RadAudit
Fri Jul 15, 2016 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: $500,000 in cash in retirement account. Now what?
Replies: 29
Views: 4282

Re: $500,000 in cash in retirement account. Now what?

Pick an asset allocation you are comfortable with, then https://www.bogleheads.org/wiki/Three-fund_portfolio or https://www.bogleheads.org/forum/viewtopic.php?t=88005 (read the first post on the thread) or a Vanguard target date fund or a Vanguard Life Strategy fund. Can't go but so far wrong on any...
by RadAudit
Fri Jul 15, 2016 8:55 am
Forum: Investing - Help with Personal Investments
Topic: How diverse is diverse?
Replies: 11
Views: 750

Re: How diverse is diverse?

What type of diversification are you discussing? A Vanguard Target Date Fund is diverse. ~17,000 individual stocks and bonds in one fund. Spread around the world. Or are you talking about diversification as in spreading your money around to different providers and / or funds? In that case, you may n...
by RadAudit
Fri Jul 15, 2016 7:46 am
Forum: Personal Consumer Issues
Topic: Recourse for a failed dental crown at 3 years
Replies: 22
Views: 1813

Re: Recourse for a failed dental crown at 3 years

If you think Dentist ... don't want their work to last as long as possible your mistaken. The last thing I want is to have a patient complaint that something didn't last long enough or they were not satisfied. I agree. My former dentist, now dead, installed a crown with some new type of material. I...
by RadAudit
Wed Jul 13, 2016 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Personal Glide Path
Replies: 7
Views: 847

Re: Personal Glide Path

The path looks OK, if you are happy with it and if the expected portfolio returns and current savings rates are sufficient to meet your needs / goals. Now how you figure that out with any precision / accuracy over 45 years is anyone's guess. Note - I did something similar when I was forty. Only miss...
by RadAudit
Wed Jul 13, 2016 5:40 am
Forum: Investing - Help with Personal Investments
Topic: Newbie needs help with overhaul of portfolio/investment strategy (Updated 7/17/16)
Replies: 24
Views: 1481

Re: Newbie needs help with overhaul of portfolio/investment strategy

Welcome to the forum. I'm not here to talk anyone out of anything or in to anything. Might I suggest that you look at your portfolio and see how diversified you really are? Something like Morningstar X-Ray? http://portfolio.morningstar.com/RtPort/Free/InstantXRayDEntry.aspx There are others. And the...
by RadAudit
Sun Jul 10, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: Gordon equation, long-term returns & more
Replies: 9
Views: 993

Re: Gordon equation, long-term returns & more

Thanks for the explanation, Mr. Swedroe.
by RadAudit
Fri Jul 08, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for advice and opinions on our financial outlook
Replies: 7
Views: 794

Re: Asking for advice and opinions on our financial outlook

Welcome to the forum. This is a bump up. Obviously the student loans are a big thorn in our side. Then, get rid of it as fast as possible. I have started splitting contributions between Roth and Trad. (I have no idea if this is smart or not) Neither do I; but, contributing as much as you can to a tI...
by RadAudit
Fri Jul 08, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Understand My Edward Jones Broker
Replies: 30
Views: 1734

Re: Help Me Understand My Edward Jones Broker

Welcome to the forum. Am I understanding the "hypothetical report" properly? You are understanding the report in a manner that Ed Jones wants you to understand it. Please search this site for threads on Ed Jones. A quick read of some of these threads should make it clear what a number of f...
by RadAudit
Sun Jul 03, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for a new investor
Replies: 2
Views: 175

Re: Asset allocation for a new investor

Welcome to the forum. The author advised readers against building such an aggressive portfolio using the reason that stocks are simply too expensive to yield a substantial higher return than bonds for now (6.5% return for stocks vs 6% return for corporate bonds). What year was the book written in? I...
by RadAudit
Sat Jul 02, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Checked portfolio after waiting 6 months - not as bad as expected
Replies: 3
Views: 502

Re: Checked portfolio after waiting 6 months - not as bad as expected

I'm curious to hear how fellow Bogleheads have been handling this not so inspiring market stretch... Have you felt the need for a pep talk to yourself, and if so, what are the contents of your pep talk? I try to keep reminding myself that short term fluctuations in returns around the average don't ...
by RadAudit
Thu Jun 30, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: Equities = musical chairs?
Replies: 93
Views: 3777

Re: Equities = musical chairs?

OP, hope you are happy with your G fund.

Best of luck.
by RadAudit
Thu Jun 30, 2016 9:38 am
Forum: Investing - Theory, News & General
Topic: Dr. Bernstein and the Buffet Premium
Replies: 18
Views: 1541

Re: Dr. Bernstein and the Buffet Premium

This is just a guess - but since you are asking for opinions - I think it is probably likely that investors have paid a premium to invest in Berkshire. I haven't checked. I guess one could take a look at the distribution of assets in Berkshire compared to the market. Then you could see if Berkshire ...
by RadAudit
Wed Jun 29, 2016 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Please offer opinion on my portfolio...
Replies: 15
Views: 1120

Re: Please offer opinion on my portfolio...

Welcome to the forum

Opinions I have. Don't know about helpful advice.

Opinion - If you want better advice wrt your portfolio, please edit your original post in to the format shown in viewtopic.php?t=6212
by RadAudit
Tue Jun 28, 2016 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to open my first Vanguard account. Advice?
Replies: 8
Views: 422

Re: Ready to open my first Vanguard account. Advice?

Welcome to the forum.

I always feel a little antsy about giving advice to an individual with 30k who wants the name of a good fund. Don't know how much you know about this stuff. But it might help to start here. https://www.bogleheads.org/wiki/Getting_started Couldn't hurt.
by RadAudit
Tue Jun 28, 2016 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Retirement planning scrutiny for first time poster
Replies: 16
Views: 1195

Re: Retirement planning scrutiny for first time poster

if I have an investment portfolio that presumably covers 100% of needs so as to allow me to retire (considering the 4% rule only and not including the pension) yet the presence of the pension allows me to draw well less than the 4% (1%-3%), do I need to be overly concerned with a 50% hit to the por...
by RadAudit
Tue Jun 28, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Will - Remarried with Troubled Kids
Replies: 37
Views: 4967

Re: Will - Remarried with Troubled Kids

Intens wrote:If you have mutual funds, you can also specify beneficiaries.


If any of those funds are in a 401(k) / IRA, be sure to check on the inheritance rules for spouses of the deceased - regardless of the designated beneficiary.
by RadAudit
Mon Jun 27, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement planning scrutiny for first time poster
Replies: 16
Views: 1195

Re: Retirement planning scrutiny for first time poster

Welcome to the forum. 1. Is it ok to treat my pension as a bond allocation considering it is a federal pension and is basically guaranteed? (hence no current bond allocation) Lot of different opinions on that one. Is it OK? Probably. After all, it's your money. However, some think of it as income st...
by RadAudit
Sat Jun 25, 2016 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Minimum asset allocation per fund
Replies: 5
Views: 386

Re: Minimum asset allocation per fund

I hear the number of 5% being thrown around from time to time. I believe the theory runs something like at less than 5% of the portfolio, the fund (asset) really has to move a lot in order to contribute anything substantial to the portfolio return. And if it cant't contribute to the portfolio, it is...
by RadAudit
Fri Jun 24, 2016 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Rule of Thumb: Max out 401K/Roth 401K BEFORE Roth IRA?
Replies: 7
Views: 713

Re: Rule of Thumb: Max out 401K/Roth 401K BEFORE Roth IRA?

Sort of. Possibly. It depends. As I recall, the general consensus is to invest in the 401k up to the match, if any. Then depending of various circumstances - including how good the selections are within the 401k, individual circumstances, etc. - max out the Roth IRA and then go back in to the 401k a...
by RadAudit
Thu Jun 23, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Newcomer guidelines [Romanian living in Hong Kong]
Replies: 2
Views: 188

Re: Newcomer guidelines [Romanian living in Hong Kong]

Welcome to the forum. What are the important decisions that will have a significant negative impact if I get them wrong when setting my investment plan (portfolio)? OK. Conventional wisdom would argue that three important decisions would be asset allocation [consistent with your need, ability and wi...
by RadAudit
Wed Jun 22, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5617

Re: Should I express my inheritence thoughts to my father?

I admire and agree that his estate will need to be divided equally, but it would be nice if it was divided in such a way that it did not negate my efforts to build my own nest egg. OK, I'm missing something. How does an equally divided estate negate your efforts? Won't you have what you have accumu...
by RadAudit
Wed Jun 22, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Funds - Really any good?
Replies: 33
Views: 3295

Re: Target Retirement Funds - Really any good?

What type of returns were you expecting from the target date fund you selected?

Does the TDF meet your need, willingness and ability to take risk?

Unless you really need to change your asset allocation and or had a change in your risk tolerance you haven't specified, I'd vote for stay the course.
by RadAudit
Wed Jun 22, 2016 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Advice for my Dad
Replies: 7
Views: 903

Re: Advice for my Dad

Welcome to the forum.

As I understand the question, your Dad wants to park 300k for a couple of years at zero risk prior to purchasing the next house for cash. If so, my answer would be two separate FDIC insured local banks. (FDIC insurance is currently 250k per depositor per bank as I recall.)
by RadAudit
Tue Jun 21, 2016 1:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard mutual fund requirement
Replies: 32
Views: 2358

Re: Vanguard mutual fund requirement

My understanding is that, if the value of your account drops below the minimum - through market action alone - that the account remains open. That is the market drop alone - and not you having sold shares - has to be the reason for the loss in account value. Might want to call VG to be sure it's the...
by RadAudit
Mon Jun 20, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fair to the kids, help educate the grandkids?
Replies: 26
Views: 2738

Re: Fair to the kids, help educate the grandkids?

Thanks to all for sharing your hard won insights. Lots to think about. Thanks, again.
by RadAudit
Sun Jun 19, 2016 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fair to the kids, help educate the grandkids?
Replies: 26
Views: 2738

Re: Fair to the kids, help educate the grandkids?

renue74 wrote: I'm not saying that parents should keep a financial log book of everything they contribute to their children's finances, but "being fair" is in the eye of the beholder.


Why not keep track, in general terms? I'm told that the kids keep track and they remember.
by RadAudit
Sun Jun 19, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fair to the kids, help educate the grandkids?
Replies: 26
Views: 2738

Re: Fair to thr kids, help educate the grandkids?

You say you have SS, a little pension, and a small IRA. You expect your budget to be "enough, but tight". How does that allow for home remodeling, travel plans, and helping with college expenses? Everything is relative. "Tight" for me is probably a reflection of my concern about...
by RadAudit
Sun Jun 19, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Fair to the kids, help educate the grandkids?
Replies: 26
Views: 2738

Re: Fair to thr kids, help educate the grandkids?

livesoft wrote:Why don't you ask your children how they feel about this?



Thanks. Good idea. Hadn't thought of that one. :oops: That could be a really interesting and enlightening conversation.
by RadAudit
Sun Jun 19, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Fair to the kids, help educate the grandkids?
Replies: 26
Views: 2738

Fair to the kids, help educate the grandkids?

If you would like to share any insights, I'd be grateful. My situation . I'm in year six or so of my retirement. The DW and I are doing OK with SS, a little pension and a small IRA. RMDs start next year. After taxes, the remainder of the RMDs will be re-invested in a taxable account (Thanks, Boglehe...
by RadAudit
Sat Jun 18, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: "How to Make Your Money Last" -- A Gem
Replies: 35
Views: 5778

Re: "How to Make Your Money Last" -- A Gem

chx wrote:it comes across as trite and overly full of generalizations


It's trite because it is true and needs to be repeated to every new about-to-be retiree because apparently, a lot of them haven't gotten the message yet.
by RadAudit
Fri Jun 17, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: 50% Market Drops
Replies: 67
Views: 6335

Re: 50% Market Drops

TubofProtein wrote:Is there anything wrong with this type of thinking?


No.
by RadAudit
Wed Jun 15, 2016 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons to not till to 100% REIT or 100% small cap value stocks
Replies: 76
Views: 5357

Re: Reasons to not till to 100% REIT or 100% small cap value stocks

What are some other risk involved in being 100% in small cap value stocks or REITs? Lack of appropriate diversification? If I understand correctly, the purpose of diversification is to reduce volatility. You do this by finding two assets or asset classes which are as uncorrelated as possible, which...
by RadAudit
Wed Jun 15, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons to not till to 100% REIT or 100% small cap value stocks
Replies: 76
Views: 5357

Re: Reasons to not till to 100% REIT or 100% small cap value stocks

What are some other risk involved in being 100% in small cap value stocks or REITs? Lack of appropriate diversification? If I understand correctly, the purpose of diversification is to reduce volatility. You do this by finding two assets or asset classes which are as uncorrelated as possible, which...
by RadAudit
Tue Jun 14, 2016 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons to not till to 100% REIT or 100% small cap value stocks
Replies: 76
Views: 5357

Re: Reasons to not till to 100% REIT or 100% small cap value stocks

What are some other risk involved in being 100% in small cap value stocks or REITs? Lack of appropriate diversification? You might want to check on when / if / how long it may take for the small cap value premium to be realized in a portfolio before you jump. I am probably wrong on this one; but, I...
by RadAudit
Mon Jun 13, 2016 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: New to BogleHeads as well as investing
Replies: 10
Views: 1042

Re: New to BogleHeads as well as investing

Welcome to the forum. You'll retire at 70 with no debt and SS of $4000 / mo. which is enough to cover expenses. Four fund portfolio asset allocation looks good. I think you'll be OK. No use to do something to chase after what you don't need with the risk of losing something you can't afford to lose....

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