Search found 2063 matches

by RadAudit
Fri May 27, 2016 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of removing funds from target retirement funds and investing by myself
Replies: 6
Views: 539

Re: Thinking of removing funds from target retirement funds and investing by myself

As I learn more about investing and about the pros and cons of the various lazy portfolios in the link above, I can then start investing more money into specific assets over time to rebalance and diversifydoes that sounds like a good plan for now? First things first. Welcome to the forum. And, I co...
by RadAudit
Thu May 26, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: First Car Purchase
Replies: 4
Views: 277

Re: First Car Purchase

Also, if it matters, I was leaning towards paying for the vehicle in cash but would consider something with a 0% APR financing if that is available. Do not let them know you are paying cash for the car until the price is negotiated and fixed. And, it may be beneficial to ask about financing during ...
by RadAudit
Fri May 20, 2016 4:52 pm
Forum: Investing - Theory, News & General
Topic: Best way to buy VT for 1 year old Nephew?
Replies: 11
Views: 1042

Re: Best way to buy VT for 1 year old Nephew?

I don't know the best answer. But, I'd favor option two. You buy the shares. You pay the taxes. And, you give the kid the money when you want to. Note to file - make a note in your will of your plans, just in case. The reason I favor option two is personal bias. I was in charge of a trust to distrib...
by RadAudit
Fri May 20, 2016 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plans - One Year to Go
Replies: 25
Views: 2620

Re: Retirement Plans - One Year to Go

Don't know how good my advice will be; but, I hope his plan works. It is what I'm aspiring to after I get tired of messing with my portfolio in a couple of more years.

Best of luck.
by RadAudit
Fri May 20, 2016 6:03 am
Forum: Investing - Help with Personal Investments
Topic: Converting from managed to index finds
Replies: 8
Views: 555

Re: Converting from managed to index finds

Welcome to the forum. Should I liquidate and buy the index funds in a few days or convert to cash now while the market is a little over valued and dollar cost average over 6 - 12 months and gradually move to the index funds? If you know of anyone who can consistently and accurately predict future ma...
by RadAudit
Thu May 19, 2016 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard added Int'l Bonds to the Target funds?
Replies: 23
Views: 2339

Re: Why Vanguard added Int'l Bonds to the Target funds?

Wow! That is more complicated than my tiny brain can understand! let alone the level of English (English is my second language) sentences such as "hedging...... not hedging..." are completely Chinese to me As you've been able to figure out by now, the problem does not rest with the fact t...
by RadAudit
Wed May 18, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawals
Replies: 14
Views: 1046

Re: Withdrawals

Spending SS and Pension $$ is part of the withdrawal. Saving it wouldn't be.Would love to hear others' opinions. Mr. Scott, you're probably correct with most of your post. Slight disagreement on one point. I look at the income from the portfolio as being used to plug the difference between income a...
by RadAudit
Tue May 17, 2016 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Best beginner options
Replies: 24
Views: 1692

Re: Best beginner options

What are the pros/cons of a target retirement date fund? I did some brief searching and it seems mainstream outlets are quick to dub those funds troublesome, but from what I can tell, they're the same thing as a three-fund portfolio (or in Vanguard's case a four-fund) but on auto pilot, and possibl...
by RadAudit
Mon May 16, 2016 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Best beginner options
Replies: 24
Views: 1692

Re: Best beginner options

Welcome to the forum. My goal is to have another 401k in a sense, basically a more proficient savings account that rarely needs intervention. Have you considered a low cost, target retirement date fund - if one is available? Very little intervention required if you are comfortable with the asset all...
by RadAudit
Sun May 15, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: question about vanguard account
Replies: 8
Views: 662

Re: question about vanguard account

Welcome to the forum.

Can't answer your question. You may get more and better replies if you edit your post's title to something like "What non-Vanguard funds / ETF can I buy at Vanguard".
by RadAudit
Sun May 15, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20842

Re: Rich But Middle Class

We'd ideally like to stay in this area and raise our girls here if we can continue to make it work financially. While there are pros and cons to every place, we feel there would be great benefits to growing up in a vibrant, diverse and sophisticated area, rich with history and tradition. We also li...
by RadAudit
Sat May 14, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Help with first investment
Replies: 3
Views: 304

Re: Help with first investment

Welcome to the forum. I was considering putting 3,000 ... into Apple. I also was thinking about putting in 2,500 into lending club so I could start the automated investing tool there. What is your opinion on this strategy. Opinions I have. Sound advice? Well, maybe not. You have invested in Target 2...
by RadAudit
Fri May 13, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Won the game - time to quit playing?
Replies: 46
Views: 7626

Re: Won the game - time to quit playing?

I'm 69 and have been retired for about six years. I'm at 50 / 50 and plan to hold that allocation for the foreseeable future. I haven't won the game, per Bernstein, because I don't have 25x residual living expenses in safe investments. So, I guess I'm continuing to play the game. However, the withdr...
by RadAudit
Fri May 13, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Retire Early -or- Not At All
Replies: 31
Views: 3439

Re: Retire Early -or- Not At All

Welcome to the forum. I believe I would like to work part time FOREVER. However, I'd like to start working part time sooner rather than later. Once I have 25x my annual expenses, I plan to put this plan in motion. If you like what you are doing, don't quit. Ever. Putting the plan in motion at 25X an...
by RadAudit
Wed May 11, 2016 12:39 pm
Forum: Investing - Theory, News & General
Topic: Batten down the hatches!
Replies: 25
Views: 4375

Re: Batten down the hatches!

the American Airlines flight crew were discussing their 401-k program (and the local expert was strongly advising his peers to buy the Vanguard index funds, keep your costs down, and just check the statements once a year when rebalancing....) An Uber driver we encountered was driving to invest thei...
by RadAudit
Wed May 11, 2016 9:29 am
Forum: Investing - Theory, News & General
Topic: WSJ Article Dividends Aren't the Answer, They're the Problem
Replies: 57
Views: 8900

Re: WSJ Article Dividends Aren't the Answer, They're the Problem

Riprap wrote: there is nothing wrong with living comfortably yet modestly and saving for something bigger than yourself.


+1

Thank you.
by RadAudit
Tue May 10, 2016 6:54 am
Forum: Personal Finance (Not Investing)
Topic: 1st post; consider new job impacting LT savings? wisdom for lawyer
Replies: 12
Views: 1136

Re: 1st post; consider new job impacting LT savings? wisdom for lawyer

Welcome to the forum. As a general rule, people can't eat prestige. But if things at work are unbearable, then it's best not to stay just for the money. However, the employment choices available to you can not just be between the job you have and the one you describe. You might want to look around f...
by RadAudit
Mon May 09, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or OMY, [One More Year]
Replies: 65
Views: 9022

Re: Retire now or OMY,

I retired about seven or eight years later than where you are now. How'd I decide? The decision was made when the kids were through with college, employed and looked like they weren't coming back to the nest to stay. That's when I figured I had enough. The big difference was that I didn't think my j...
by RadAudit
Sun May 08, 2016 10:53 am
Forum: Investing - Theory, News & General
Topic: Another Bernstein Gem-Don't be Greedy
Replies: 42
Views: 7192

Re: Another Bernstein Gem-Don't be Greedy

Pascal's Wager? What to do? Take a chance on dying with the most toys, winning the game and possibly going broke in the process or settle for a smaller, safer income stream and live moderately comfortable at a lower level of expenditure? I've been chasing how to fund Bernstein's definition of Residu...
by RadAudit
Sun May 08, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: METRO Shutdown Impact on Bonds?
Replies: 7
Views: 782

Re: METRO Shutdown Impact on Bonds?

JosephineP wrote:Hope that helps.


It helps a lot. Thanks.
by RadAudit
Sat May 07, 2016 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: METRO Shutdown Impact on Bonds?
Replies: 7
Views: 782

Re: METRO Shutdown Impact on Bonds?

stlutz wrote:, ultimately a better way to confirm would be to look the issue up on EMMA (http://emma.msrb.org) and read the disclosures for your particular security regarding the sources of repayment.


Thanks for the info and the link.
by RadAudit
Sat May 07, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: METRO Shutdown Impact on Bonds?
Replies: 7
Views: 782

Re: METRO Shutdown Impact on Bonds?

Is the airport authority the same people who finance and run the subway system in Washington? Yep, the same. If it is a revenue bond then presumably it is backed by the revenues of that specific road, not the general revenues of the metro system? Well, that's the general hope. Let's just say this w...
by RadAudit
Sat May 07, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: METRO Shutdown Impact on Bonds?
Replies: 7
Views: 782

METRO Shutdown Impact on Bonds?

I have a Metro Washington D C Airport Authority - DULLES TOLL RD Revenue Bond that is due in 2039 and callable in 2019. The METRO is reportedly planning a rolling shutdown of several of it's lines for several weeks at a time over the next year to 18 months. What is your opinion on the possible impac...
by RadAudit
Fri May 06, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Edward Jones to Vanguard
Replies: 40
Views: 3684

Re: Moving Edward Jones to Vanguard

My question is, since I already have purchased the American Funds (and paid loads), does it make sense to keep them as is at Vanguard or to sell and invest in some of the index funds at Vanguard? Welcome to the forum Well, at least you have a lot of opportunities for tax loss harvesting in the futu...
by RadAudit
Fri May 06, 2016 8:39 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 3832

Re: Retirees: Who's not changing their AA, ever?

I'm 69. Retired for five or six years. I'm at 50 / 50 stocks and bonds. Let's say the plans for a new AA are in flux. While I still have the interest, handling a four fund portfolio is a piece of cake. I have a spread sheet, targeted % for sub-sets within the categories, plug and chug and voila - th...
by RadAudit
Wed May 04, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Fund Suggestions?
Replies: 2
Views: 212

Re: Traditional IRA Fund Suggestions?

You may get better replies to your question if you post the requested information and questions in this format. viewtopic.php?t=6212
by RadAudit
Tue May 03, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to clean up a 400k portfolio that has gotten too unwieldy
Replies: 11
Views: 1927

Re: Ready to clean up a 400k portfolio that has gotten too unwieldy

So, is it totally against the Bogleheads way to put any money at all in more growth/aggressive funds - even if at Vanguard? Ex. Vanguard Growth Index Fund Investor Shares VIGRX Another way of stating the basic philosophy is that Bogleheads, as a rule, tend to prefer using index funds to achieve bro...
by RadAudit
Tue May 03, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing, New to BH
Replies: 4
Views: 471

Re: New to Investing, New to BH

Welcome to the forum Start here. https://www.bogleheads.org/wiki/Getting_started Watch the videos. Read the linked articles. Read a few of the recommended books. Additionally, the first post on this thread - with it's linked articles and quotes - is very informative.https://www.bogleheads.org/forum/...
by RadAudit
Sun May 01, 2016 4:38 pm
Forum: Investing - Theory, News & General
Topic: Sound advice from Warren Buffett
Replies: 16
Views: 3099

Re: Sound advice from Warren Buffett

I do worry about the negative impacts low costs have on salaries of the average lay employee of fund companies. This is just a pure guess; but, I think the salaries of an average - non-portfolio manager, non-CEO - fund employee would be pretty much the same whether the fund is an active management ...
by RadAudit
Sun May 01, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: In-Law's Sketchy Investment Advice
Replies: 13
Views: 1663

Re: In-Law's Sketchy Investment Advice

Have any of you heard of something this? Yes. It is called a scam. It's probably a Ponzi scheme of some sort - but that's just a guess. The key is the deal is offering a 10% guaranteed return. If the offered return is that much higher than Treasuries (5X the 30 year bond yield (?)), you are taking ...
by RadAudit
Fri Apr 29, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: Why does the market have alarms?
Replies: 4
Views: 548

Re: Why does the market have alarms?

Alarms? Are you referring to circuit breakers?
by RadAudit
Fri Apr 29, 2016 10:00 am
Forum: Investing - Theory, News & General
Topic: How to implement the Bogleheads strategy in Europe
Replies: 3
Views: 546

Re: How to implement the Bogleheads strategy in Europe

and I would love if someone could explain whether (and why) my thinking is flawed!! Sorry for the delay in posting a reply. I sent you a PM. Hopefully it arrived. I doubt if your thinking is flawed. Low bond yields may cause a number of folks to question various aspects of their portfolio. As I und...
by RadAudit
Thu Apr 28, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited property and family issues
Replies: 39
Views: 3301

Re: Inherited property and family issues

OK, I can't say our situation is similar; but there are enough similarities. And I can tell you how this situation might end. The bottom line is this - that the taxes will be paid. Either they will be paid with your help or they'll be paid upon the forced sale of the property. If Mary can't pay the ...
by RadAudit
Mon Apr 18, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: Emergency fund needed?
Replies: 17
Views: 1723

Re: Emergency fund needed?

Do whatever works for you. +1 Same here, roughly - without the large portfolio. I do have a HELOC with an adequate line. Additionally, I have a couple of credit cards with a combined limit that is larger than the price of my first house. (It was an old, small house and long ago.) That said, I have ...
by RadAudit
Sun Apr 17, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10236

Re: University of Virginia vs University of Miami

I guess I am surprised that job prospects are not anywhere on your list of criteria First, there is no question that UVA is a good school. It's pretty and you'll receive a good education. Second. Interesting question. It ought to be the first of many. Poly Sci was mentioned as an area of interest. ...
by RadAudit
Sat Apr 16, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10236

Re: University of Virginia vs University of Miami

OK. Just one small point to consider in your search for an appropriate college. Research the uproar, lawsuits and fallout from the Rolling Stone article about the "rape" at one of the UVA frat houses. How the university administration handled the situation may influence your decision - on...
by RadAudit
Sat Apr 16, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10236

Re: University of Virginia vs University of Miami

OK. Just one small point to consider in your search for an appropriate college. Research the uproar, lawsuits and fallout from the Rolling Stone article about the "rape" at one of the UVA frat houses. How the university administration handled the situation may influence your decision - one...
by RadAudit
Fri Apr 15, 2016 7:02 pm
Forum: Investing - Theory, News & General
Topic: Whats with the hedge fund hating?
Replies: 60
Views: 4661

Re: Whats with the hedge fund hating?

There's nothing really wrong with a hedge fund, if you are managing properties owned by these funds. The problem comes when you as an independent investor invest your money in the hedge fund looking for a reasonable return. The fees charged to an individual investor ensure that most of the return go...
by RadAudit
Fri Apr 15, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 10236

Re: University of Virginia vs University of Miami

I graduated from a UVA graduate school when dinosaurs were roaming the campus.

I live in Virginia.

Go to Miami.
by RadAudit
Fri Apr 15, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocation Question
Replies: 2
Views: 308

Re: Retirement Allocation Question

You'll get better answers to your questions, if you edit your post into this format. viewtopic.php?t=6212
by RadAudit
Thu Apr 14, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: Boomers' Retirement Confidence Hits All-Time Low
Replies: 7
Views: 1619

Re: Boomers' Retirement Confidence Hits All-Time Low

And then, a miracle occurs and somehow most people have enough money to continue living at some level somewhere ... maybe at a slightly lower standard of living but still ... maybe with the kids ... maybe in the kids' backyards
by RadAudit
Thu Apr 14, 2016 10:41 am
Forum: Investing - Theory, News & General
Topic: How to implement the Bogleheads strategy in Europe
Replies: 3
Views: 546

Re: How to implement the Bogleheads strategy in Europe

OK, I'll take a shot at some of this. Please be advised that I am by no means the best one to speak to any of these issues. I believe the Bogleheads' philosophy (see the wiki) is fairly close to universal. LBYM, not too much risk, low cost broad based funds, etc. ... So, yes the philosophy is applic...
by RadAudit
Wed Apr 13, 2016 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: I'll be a Boglehead Friday. Any advice?
Replies: 93
Views: 6933

Re: I'll be a Boglehead Friday. Any advice?

The most difficult / expensive thing to learn is that you don't need an investment advisor / broker. I'll admit - I cheated. I looked at the asset allocation of the appropriate (for me) Vanguard Target Date fund and copied the portfolio by buying it's component parts through Vanguard. By buying the ...
by RadAudit
Tue Apr 12, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find more satisfaction while living below your means?
Replies: 52
Views: 4594

Re: How do you find more satisfaction while living below your means?

Well, one thing you're doing right is trying to get more education so you can improve your situation. That's a good start. Another thing you might consider is that things don't necessarily bring long term satisfaction. What I found is that satisfying personal relationships are more rewarding. And, o...
by RadAudit
Tue Apr 12, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6936

Re: Retirees: what's your Withdrawal Rate for this and last year?

I've been retired for about five years. Last year the WR was 1.6%. This year, it's already at 1.7%, primarily because of a one time (I hope) expenditure. WRs are expected to increase to about 3% of the portfolio over the next 10 years. Some funds have been earmarked for a one time home remodel but t...
by RadAudit
Mon Apr 11, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Hitting new saving target. Lifestyle changes ahead?
Replies: 5
Views: 1489

Re: Hitting new saving target. Lifestyle changes ahead?

Talk to your wife not the website as it sounds like you are too frugal for her. The two of you should work out where spending say 2-5k/year will make her happier. +1 Additionally, calculate your expected portfolio return (a SWAG if there ever was one), and your projected annual savings, and see if ...

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