Search found 2158 matches

by RadAudit
Sat Aug 20, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Career Counseling for Teens
Replies: 29
Views: 1668

Re: Career Counseling for Teens

Well, whatever it costs it'll probably be cheaper than having one of them get 1/2 way thru grad school and think - er, maybe not. And start over in a different field.
by RadAudit
Fri Aug 19, 2016 6:55 am
Forum: Investing - Help with Personal Investments
Topic: European currently living in the U.S. in need of advice
Replies: 15
Views: 1084

Re: European currently living in the U.S. in need of advice

Bump up.

Welcome to the forum

I don't have a clue.

Might want to use the wiki https://www.bogleheads.org/wiki/Main_Page . And you may want to start here. https://www.bogleheads.org/wiki/Investing_from_Germany
by RadAudit
Thu Aug 18, 2016 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Ultra aggressive index portfolio for a 30 yo with high risk tolerance?
Replies: 47
Views: 3917

Re: Ultra aggressive index portfolio for a 30 yo with high risk tolerance?

Because I'm not intelligent enough to make my own decisions and think that people at Bogleheads forum are smarter. Wrong on both counts. Now, there are a large number of posters on this forum who are smart. I'm not one of them (and I have the IQ tests to prove it.). Fortunately, you don't have to b...
by RadAudit
Thu Aug 18, 2016 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Ultra aggressive index portfolio for a 30 yo with high risk tolerance?
Replies: 47
Views: 3917

Re: Ultra aggressive index portfolio for a 30 yo with high risk tolerance?

why not just go 90% SPY 10% bonds as Warren Buffett himself suggested? Because you aren't Warren Buffet. And Warren Buffet doesn't live in Europe and hasn't retired in Europe. And he doesn't spend most of his time and money in Europe. Why I can go ultra aggressive? Well, if I plan to invest for a t...
by RadAudit
Wed Aug 17, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting whole estate in life
Replies: 77
Views: 4105

Re: Gifting whole estate in life

What if you die before your father, your wife remarries, and she and her new husband have different ideas for the money? +1 If the estate is considered to be a "family trust," have Jack set up a trust that accomplishes his / the family's wishes. There are just too many unknowable unknowns...
by RadAudit
Wed Aug 17, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 113
Views: 9468

Re: Anyone else getting nervous and converting to cash as a short-term move?

I was just wondering if anyone here is a bit nervous about throwing a lot of money at the market right now. I If you stick around and read a little, you'll find there's plenty to be nervous about. (Wm. Bernstein and 25X RLE - and the fact that you'll probably never get there so your retirement may ...
by RadAudit
Wed Aug 17, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Simple IRA advice
Replies: 2
Views: 286

Re: Simple IRA advice

This is a bump up because I don't know.

But, have you called Vanguard?
by RadAudit
Tue Aug 16, 2016 2:07 pm
Forum: Investing - Theory, News & General
Topic: Who trades on momentum, and thus who's on the other side
Replies: 22
Views: 1500

Re: Who trades on momentum, and thus who's on the other side

Wm. Bernstein writes about convex and concave investors in Rational Expectations. If I recall correctly, convex investors - momentum investors - win in rising markets. They keep winning until markets go down. If they stay too long, they usually sell out and lose big time. Or so I remember. All you h...
by RadAudit
Tue Aug 16, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 39
Views: 2999

Re: Gutters and gutter guards

... Get the professionally installed system, if you can afford it. We re-did the outside of the house a couple of years ago - roof, gutters, windows, siding. After cleaning gutters for 30+ years, I can say these new ones have been great, so far. No problems. Rad, which system did you install? I don...
by RadAudit
Tue Aug 16, 2016 7:43 am
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 39
Views: 2999

Re: Gutters and gutter guards

If it would be worth it to spend $4,000 on a professionally installed system, even including new gutters, I'd do it, but I want to rule out the less expensive options first. OK. The less expensive option has just been ruled out, as far as I am concerned. Get the professionally installed system, if ...
by RadAudit
Mon Aug 15, 2016 3:22 pm
Forum: Investing - Theory, News & General
Topic: Knowing what you know now...
Replies: 22
Views: 2424

Re: Knowing what you know now...

Would any of you other late comers to Boglehead-style wealth building have taken the ultra thrifty route to early retirement, given a chance to re-live your twenties? No. The experiences you have in your 20s are difficult to duplicate in your 50s or 60s. And, if you could, they would cost more and ...
by RadAudit
Mon Aug 15, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Finally, got help with Portfolio, and don't worry much about it anymore
Replies: 11
Views: 1438

Re: Finally, got help with Portfolio, and don't worry much about it anymore

I told him my main problem was emotional anxiety with the investments. I was very satisfied with what he suggested, and have had the most peace and I have not visited the bogleheads site as much either. I am satisfied with leaving it alone, no matter what the market does. Finally! For $200, it was ...
by RadAudit
Mon Aug 15, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: "The Minority of Investors" ... Billionaires
Replies: 35
Views: 3646

Re: "The Minority of Investors" ... Billionaires

Engineer250 wrote: Also, be glad you have A/C...


I'm grateful and glad.
by RadAudit
Mon Aug 15, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: You have $10 Million and 10 years to live. What would you do?
Replies: 55
Views: 4912

Re: You have $10 Million and 10 years to live. What would you do?

18.) Travel to Denali and see Mt McKinley That's doable now. No need to wait for $10 mil. Of course, on any given day due to weather, you have about a 30% chance of actually seeing the mountain so be prepared to hang around for awhile. Reminds me of old saying about dreams of sailing off to some fa...
by RadAudit
Mon Aug 15, 2016 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 262
Views: 29005

Re: Self-made Millionaires: how did hitting 7 figures change you?

Here's my question: for those of you (most of you, I'm guessing) who have hit $1M (or your number of choice), how did that impact you, if at all? Did arriving at that number change you in any meaningful way, or change your perspective? Not much has changed. We still use coupons and shop sales. DW c...
by RadAudit
Sun Aug 14, 2016 11:36 am
Forum: Investing - Theory, News & General
Topic: "The Minority of Investors" ... Billionaires
Replies: 35
Views: 3646

Re: "The Minority of Investors" ... Billionaires

If you're talking about working at your dead end engineer job for $80K a year, putting $15K a year away into TSM in your 401(k) ... Thank you for accurately and succinctly summarizing my working career. :wink: Never thought of it that way; but, you're correct. Anyway, it's hot today and the A/C is ...
by RadAudit
Fri Aug 12, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: SWR for mother-in-law living in another country?
Replies: 5
Views: 446

Re: SWR for mother-in-law living in another country?

I thought SWRs had more to do rate of withdrawal from the portfolio in order for it to last x number of years than what country you were in. Could be wrong on that. However, if you want to see the chance of a portfolio lasting y number of years with a SWR of x%, please look up the Trinity Studies (a...
by RadAudit
Fri Aug 12, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Busch gardens & Water Country, Williamsburg - Suggetions
Replies: 19
Views: 650

Re: Busch gardens & Water Country, Williamsburg - Suggetions

Just a heads up, they're working on I-64 at the north (west?) end of Newport News. Expect delays there. They are scheduled to be working on widening I-64 from Newport News to Richmond in stages for the next five years. So, that and the usual morning and evening back-ups at the Hampton Roads tunnel -...
by RadAudit
Thu Aug 11, 2016 6:11 am
Forum: Investing - Help with Personal Investments
Topic: Investing for retirement 101 Help
Replies: 5
Views: 618

Re: Investing for retirement 101 Help

Welcome to the forum. Mr. Foley offered very sound advice. There are other options for your retirement investments, depending on how much you want to be involved with them. For background you might want to start here. https://www.bogleheads.org/wiki/Getting_started If you are relatively young, in yo...
by RadAudit
Wed Aug 10, 2016 7:56 am
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 101
Views: 8167

Re: Bogle & Buffett on International Investing

If Bogle is not a fan of international investing, then wouldn't it be wise to follow that advice and take a pass on foreign stocks? Particularly in view of the fact that Buffett appears to agree with him. Or, can it be that they are wrong on this one? It depends. There may be some cases where it is...
by RadAudit
Tue Aug 09, 2016 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for College Grad
Replies: 7
Views: 581

Re: Advice for College Grad

Check the Vanguard site. I believe Target 2060 has a $1000 minimum to start. Additional investments start at $1.
by RadAudit
Tue Aug 09, 2016 9:16 am
Forum: Investing - Theory, News & General
Topic: International Allocation Question
Replies: 4
Views: 293

Re: International Allocation Question

lostdog wrote:do they recommend 20% of the equity portion balance or 20% of the total portfolio balance?


20% of the equity portion of the portfolio.
by RadAudit
Mon Aug 08, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: How much to save
Replies: 24
Views: 2397

Re: How much to save

What is the recommended total percentage to save if I'm in my early 30s with a household income ~500,000. Enough to meet your financial goals in the amount of time you'd like spend to get there while investing those savings in a portfolio with an asset allocation that meets those needs and your abi...
by RadAudit
Mon Aug 08, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Are any Bogleheads financial advisors on the side?
Replies: 21
Views: 2685

Re: Are any Bogleheads financial advisors on the side?

Has anyone here had any success with doing something like this on the side? Why, yes. I've successfully avoided going in to financial planning as a business. I don't know how much things have changed from the 1980s - but I recall there was a 10 year stretch thereabout where I tried to shore up my u...
by RadAudit
Sun Aug 07, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Common Sense Investing - Today's environment
Replies: 11
Views: 1140

Re: Common Sense Investing - Today's environment

Welcome to the forum. I read John Bogle's book "The Little Book of Common Sense Investing" and was planning to use his strategy for this account. Some financial advisors are telling me that this strategy was good 10 years ago but may not be a good strategy in today's environment. Is this t...
by RadAudit
Sun Aug 07, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: AA dilema
Replies: 8
Views: 567

Re: AA dilema

I am a few years further down the road in a similar situation - albeit with smaller numbers. Because the numbers themselves were small and a smaller part of the portfolio, I included the munis in the portfolio allocation. In your case, I'm inclined to NOT include them in the portfolio allocation. I'...
by RadAudit
Sat Aug 06, 2016 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Help for 60 year old
Replies: 11
Views: 1405

Re: Help for 60 year old

At this point in my life I want to "set it and forget it", with the occasional rebalance. If you really want to set it and forget it, a target date retirement fund will do just fine. Or, if you can find an AA you'd prefer to stick with for a longer time, VG's Life Strategy (?) funds come ...
by RadAudit
Fri Aug 05, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving edward jones
Replies: 22
Views: 1350

Re: Leaving edward jones

Welcome to the forum. Good call on getting out of EJ - or so many on the forum will probably say. You may get better answers to your questions if you post them using this format. https://www.bogleheads.org/forum/viewtopic.php?t=6212 Now, spoiler alert, there are a lot of answers to your question. On...
by RadAudit
Fri Aug 05, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: "4% Rule" ...is broken? [argumentative]
Replies: 150
Views: 8606

Re: "4% Rule" ...is broken? [argumentative]

as far as withdrawals, I recommend the battle tested TLW Strategy which was flawlessly explained by our shipmate Taylor Larimore. I'm coming around to that approach. Right now I'm trying to model RMDs out of tax deferred, SWRs out of the total portfolio, re-investing if RMDs - taxes > SWRs - taxes,...
by RadAudit
Fri Aug 05, 2016 7:25 am
Forum: Personal Finance (Not Investing)
Topic: "4% Rule" ...is broken? [argumentative]
Replies: 150
Views: 8606

Re: "4% Rule" ...is broken? [argumentative]

as far as withdrawals, I recommend the battle tested TLW Strategy which was flawlessly explained by our shipmate Taylor Larimore. I'm coming around to that approach. Right now I'm trying to model RMDs out of tax deferred, SWRs out of the total portfolio, re-investing if RMDs - taxes > SWRs - taxes,...
by RadAudit
Tue Aug 02, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: A costly mistake made by both investors and advisors
Replies: 240
Views: 17434

Re: A costly mistake made by both investors and advisors

rbaldini wrote:Sincere question: if you can't use past data to estimate future returns (aided by good models and statistics), then what *can* you use?


Sincere answer. Read the article.
by RadAudit
Tue Aug 02, 2016 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Meeting with TIAA Advisor (questions we should ask)
Replies: 7
Views: 624

Re: Meeting with TIAA Advisor (questions we should ask)

This may give you some ideas or maybe it's just a place to start

https://www.bogleheads.org/wiki/Investment_adviser

But since their accounts have been annuitized, it may be a little late to raise the question of was this guy a fiduciary?
by RadAudit
Mon Aug 01, 2016 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need support during rougher period
Replies: 9
Views: 1317

Re: Need support during rougher period

You're going to have to post the numbers concerning your situation to get specific advice; but, it sounds as if your asset allocation may be too aggressive for your risk tolerance.
by RadAudit
Mon Aug 01, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for the "new normal": how?
Replies: 49
Views: 5085

Re: Planning for the "new normal": how?

Relax. Do the best you can. The new normal you are planning for now will be replaced by another new normal by the time you get there. There will always be something that's going on to make life interesting.
by RadAudit
Mon Aug 01, 2016 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 6427

Re: Consumer Reports, how could you? [Investment Company Buying Guide]

OK. I don't read Consumer Report; but, you made me read the article. Without it becoming a puff piece for Vanguard, there seems to be enough "bread crumbs" to lead a reader to take a look at VG. Vanguard Leads in Satisfaction Among small investors, Vanguard and Dodge & Cox, were rated ...
by RadAudit
Sun Jul 31, 2016 5:34 am
Forum: Investing - Theory, News & General
Topic: Industrial Conglomerates, closed end funds and investment trusts vs Index Funds [Sweden]
Replies: 11
Views: 669

Re: Industrial Conglomerates, closed end funds and investment trusts vs Index Funds [Sweden]

Welcome to the forum. 3) I have a hard time choosing the Vanguard Total Stock + Total Intl. Stock-funds over the Swedish index-fund due to the outperformance. What is your take? There's nothing in the literature that I can recall that says this condition can't exist. And it may continue to exist for...
by RadAudit
Fri Jul 29, 2016 6:43 am
Forum: Personal Finance (Not Investing)
Topic: 5 reasons the rich are better investors than average Joe
Replies: 14
Views: 2898

Re: 5 reasons the rich are better investors than average Joe

What is rich. live off of $60000, but have 2m and no debt. I invested all my life in mutual funds. wife and I never made more then 80000. paid cash for everything. I was a average fed/ex driver. Am I rich don't feel like it. In the office where I was employed, people were thought to be rich if it w...
by RadAudit
Thu Jul 28, 2016 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead in need of guidance
Replies: 5
Views: 418

Re: New Boglehead in need of guidance

Welcome to the forum. I would like to stick to a fairly aggressive asset allocation of 75% equities. I know this does not allow for ‘my age in bonds.’ Is this too aggressive? From my perspective, it probably is. However, no way to know for sure until the next major stock market downturn. My plan wou...
by RadAudit
Tue Jul 26, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Sailing -- cost?
Replies: 36
Views: 6564

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: 1899

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: 1887

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: 1887

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: 193
Views: 16310

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: 4523

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: 1024

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: 48
Views: 3786

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: 1748

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.

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