Search found 186 matches

by Rolyatroba
Fri Nov 17, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?
Replies: 9
Views: 1208

Re: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?

Maybe you can use Portfolio Visualizer to help on this. A 4-fund portfolio for your timeframe is below (note the VG Int'l doesn't go that far back, so I just picked the first I found that did--note it might not be suitable). https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&sta...
by Rolyatroba
Tue Sep 19, 2017 12:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9556

Re: Bogleheads you would most like to meet and why?

For heart: Livesoft

For soul: VictoriaF

For mind: Nisiprius

For body: TBD :-)
by Rolyatroba
Thu Jun 29, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Good on Cramer!
Replies: 19
Views: 4513

Re: Good on Cramer!

munemaker wrote:I turn the channel when Cramer is on.
Well this isn't about you. It is about the obviously less enlightened people that watch and trust Cramer.
by Rolyatroba
Thu Jun 29, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Good on Cramer!
Replies: 19
Views: 4513

Good on Cramer!

He's turned around on index funds it seems. Even says to invest there first before dabbling in individual stocks. He also seems extremely contrite...really glad to see this. Best to watch in the 2nd video: http://www.cnbc.com/2017/06/28/cramer-how-the-2008-recession-changed-my-investing-approach-for...
by Rolyatroba
Mon May 22, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 2
Views: 486

Re: Boglehead Approved Delaware Statutory Trust?

I ended up going the DST route. Very glad I did so far. A little more than a year in, and distributions have been exactly as expected, and the communications and professionalism of the 2 different management companies (for 3 diff. properties) has been excellent.
by Rolyatroba
Thu Apr 20, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does AMT erode value of suspended passive losses?
Replies: 5
Views: 669

Re: Does AMT erode value of suspended passive losses?

I don't know which software you are using but I had the same issue with turbotax. If you go through the interview you will see that is has a spot for carryover losses for both the regular tax and the AMT. It defaulted to zero for the AMT slot so I had to enter that number. Once I did that the probl...
by Rolyatroba
Wed Apr 19, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Does AMT erode value of suspended passive losses?
Replies: 5
Views: 669

Re: Does AMT erode value of suspended passive losses?

Thanks...I'll check out to see if I've somehow missed carrying over passive losses to AMT as well.
by Rolyatroba
Wed Apr 19, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Does AMT erode value of suspended passive losses?
Replies: 5
Views: 669

Does AMT erode value of suspended passive losses?

We did a 1031 exchange in 2016, where there was approx. $150k in prior passive losses. After the exchange, we are now booking taxable income on the new passive activities. For regular taxes, I can see that passive income is offset by prior losses, and thus there is $0 on 1040 line 17. But, on AMT, I...
by Rolyatroba
Fri Feb 24, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: critique Italian itinerary
Replies: 34
Views: 2956

Re: critique Italian itinerary

I second skipping Venice...although it is eventually a "must-see" I'd suggest going when you have more time, and perhaps the luxury of going off- or mid-season. As for Bolzano, this is hazy since I was last there in 1998, but I recall enjoying Merano much more (Bolzano seemed more industri...
by Rolyatroba
Tue Jan 03, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 32357

Re: Whats your number to walk away?

$2.6M was our minimum walk-away (including $300k set aside for college for 2 kids, currently 15 & 17). That had me almost completely stop working when we hit that a year ago (I'm 56 and DW is 50). We have a paid-off rental home in Marin county CA that we'll move to in 3.5 years, regardless of wh...
by Rolyatroba
Thu Oct 27, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 13722

Re: How many have moved from California due to Cost of Living?

Just an FYI, from someone who moved from Silicon Valley to the Boise, Idaho area: 1. We kept our house in SV, just in case we decided to come back (and it was the smartest thing we did, because we do plan to come back) 2. I didn't catch if you were raised in SV/Norcal, but I am from there and can't ...
by Rolyatroba
Wed Aug 24, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 39
Views: 3988

Re: Internet security: which is the lesser of 2 evils?

So, in other words you trust some anonymous, extremely low cost VPN service provider whose product is primarily used by those people looking to do less than honorable things on the Internet...... more than your employer? And you do realize that PIA is not a US company, who uses low cost off shore I...
by Rolyatroba
Wed Aug 24, 2016 8:37 pm
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 39
Views: 3988

Re: Internet security: which is the lesser of 2 evils?

As a former manager of the helpdesk (and worldwide IT infrastructure) for a Fortune 1000 network security company, I think this thread has gone a little too deep on the tech aspects of this question. With that in mind, and considering what others have said here, I'd recommend the below, in descendin...
by Rolyatroba
Wed Aug 24, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 39
Views: 3988

Re: Internet security: which is the lesser of 2 evils?

If you use a personal laptop, you should use a VPN service. This encrypts ALL traffic between your laptop and the VPN server, and assuming your financial transactions are also encrypted (drop that company if not), the traffic will then be encrypted normally between the VPN server and the financial i...
by Rolyatroba
Wed Dec 23, 2015 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 2
Views: 486

Boglehead Approved Delaware Statutory Trust?

We are in the process of selling a rental property, and because the mortgage is 20% of the sales price, we have to either pay that amount into the 1031 exchange or borrow that amount as part of the purchase of the replacement property (perhaps 2 properties), in order to fully avoid the cap gains tax...
by Rolyatroba
Fri Dec 04, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Deconstruction Tax Implications
Replies: 3
Views: 589

Re: Deconstruction Tax Implications

Bump. Sorry--wrote this late last night, so alas it had fallen unseen. :)
by Rolyatroba
Fri Dec 04, 2015 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Deconstruction Tax Implications
Replies: 3
Views: 589

Deconstruction Tax Implications

I am in the process of subdividing a lot and building 2 new homes. It was brought to my attention that deconstruction could more than pay for itself with the tax deduction. But this is $30k more expensive than demoing. If I model this with tax software as a donation it does more than pay for it, but...
by Rolyatroba
Fri Oct 09, 2015 4:26 pm
Forum: Investing - Theory, News & General
Topic: Mr. Market gives a lesson in Volatility
Replies: 23
Views: 2542

Re: Mr. Market gives a lesson in Volatility

What I am trying to say is watching your accounts value change by 5 or 6 digit amounts in a month or two can be a psychological trigger for many people. So knowing that will happen on a fairly regular basis you can make a good decision and choose an AA that will limit that absolute dollar movement ...
by Rolyatroba
Fri Oct 09, 2015 2:20 pm
Forum: Investing - Theory, News & General
Topic: Mr. Market gives a lesson in Volatility
Replies: 23
Views: 2542

Re: Mr. Market gives a lesson in Volatility

...to make decisions both good and bad depending on their level of readiness. Until this post, I don't think I understood why recent volatility was being discussed here. But with the above, it is implied that you have some sort of action plan to execute when current volatility crosses some threshol...
by Rolyatroba
Fri Aug 28, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 8712

Re: If stocks dropped 30% next Monday, would you rebalance?

I do considerably more than rebalance in situations like this. I'm sure this will be frowned upon, but I go so far as to change my AA. This goes largely to my inability to determine what the right AA is for me, being that an acceptable AA on this forum is a range, and the most influential factor app...
by Rolyatroba
Thu Jun 04, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Home Network Security - Minecraft
Replies: 12
Views: 1804

Re: Home Network Security - Minecraft

Super easy...just buy another wireless router, and set it up so that it is isolated from your network. When the kids want to play each other they just switch networks. If your kids are wired only they'll have to do a cable switch, but you can literally set up the new device right next to the existin...
by Rolyatroba
Thu Mar 12, 2015 5:44 pm
Forum: Investing - Theory, News & General
Topic: Is High Frequency Trading a Problem For Bogleheads?
Replies: 42
Views: 3094

Re: Is High Frequency Trading a Problem For Bogleheads?

This is absolutely a problem for Bogleheads and I have been a victim to the tune of at least a few thousand dollars, prior to knowing about the front-running. The problem is largely for investors that use ETFs instead of funds (like myself, a Schwab customer using Vanguard ETFs), especially lower vo...
by Rolyatroba
Wed Mar 11, 2015 5:24 pm
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 6112

Re: This Morning's Dilbert - Investment Help

I'm aware of these works. What I'm trying to hint about, and maybe I should have been more direct, is that the Bogleheads might be even more successful if they took this kind of pop culture approach, as part of their educational toolkit. The wiki is great, especially if you have a decent education ...
by Rolyatroba
Fri Mar 06, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bridging Delay to SS Strategy Opinions
Replies: 13
Views: 1617

Re: Bridging Delay to SS Strategy Opinions

It's actually pretty weird--when I calculate $1,127 x 12 months x 7 years I get $94,668. I must be missing something, maybe the exact starting and ending months. I think what you're missing is the inflation aspect of the monthly payments. Growing monthly at a 2.5% annual rate brings the total to $1...
by Rolyatroba
Fri Mar 06, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bridging Delay to SS Strategy Opinions
Replies: 13
Views: 1617

Re: Bridging Delay to SS Strategy Opinions

You're basically asking how you should configure an LMP approach to this problem. I am in the camp to avoid this if at all possible, especially during periods of lean yields in safe assets such as we have now, since you leave a lot of potential growth on the table. I understand the short term risk o...
by Rolyatroba
Thu Mar 05, 2015 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 9616

Re: Reasons not to use Total Bond Market?

I hear this so often, but can you tell me the basis of this reasoning? I think this has become one of those oft repeated mantras that has become accepted as zeitgeist on this forum, but I do not know if there are any studies or data that support this belief other than citing to someone's opinion th...
by Rolyatroba
Mon Mar 02, 2015 3:09 pm
Forum: Investing - Theory, News & General
Topic: Market Beating Recipe
Replies: 19
Views: 2602

Re: Market Beating Recipe

There's some good fortune involved in it, but mostly its skill, insight and patience. Do you have the same conclusion if you remove the people like Buffet, who usually gain board seats with their investment? Is it your view that there are people who can, over some reasonably long period of time, be...
by Rolyatroba
Sat Feb 28, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 6112

Re: This Morning's Dilbert - Investment Help

I'm aware of these works. What I'm trying to hint about, and maybe I should have been more direct, is that the Bogleheads might be even more successful if they took this kind of pop culture approach, as part of their educational toolkit. The wiki is great, especially if you have a decent education ...
by Rolyatroba
Sat Feb 28, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 6112

Re: This Morning's Dilbert - Investment Help

This stuff is brilliant. It's easy to read, it's got the punch, and great visuals. If you put a short essay with each cartoon to explain the underlying issues, it would make a very effective teaching tool. It could potentially reach a wide audience, as many people won't read investing books because...
by Rolyatroba
Sat Feb 21, 2015 10:04 am
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 6112

Re: This Morning's Dilbert - Investment Help

Hopefully, it will be the theme for a few days.
by Rolyatroba
Thu Feb 19, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 6742

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

...our data files are backed up and if there were no other alternative I'd try it ; but we're not in panic mode at this point This isn't about losing pictures or word documents...it is about being at risk of having your bank and/or brokerage passwords stolen (among other things). If you use those c...
by Rolyatroba
Tue Feb 17, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: An Adventure
Replies: 26
Views: 3401

Re: An Adventure

My wife and I are just a few years from doing this sort of thing permanently (read: retiring and will travel a lot, maybe full time the first couple of years). So, I have been sifting thru BH threads, and wonder how this turned out. Did you leave on time? How long were you gone? Was the return what ...
by Rolyatroba
Tue Feb 17, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 144
Views: 10800

Re: Preparing for 2 months incommunicado

There are ways to mitigate the risk of keyloggers/spying on Internet Cafe computers. What I would do is set up a home PC that stays on all the time, and Remote Desktop to that PC to perform sensitive activities. And below are some of the extra precautions I'd take: 1 - Have RDP listen on a non-stand...
by Rolyatroba
Wed Jan 14, 2015 9:49 pm
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 257
Views: 19581

Re: How does an Efficient Market explain Buffett?

The EMH applies to investors. As hinted/said earlier, Buffet is a businessman, not an investor. I look at him as a nice version of Carl Icahn. Icahn invests and then bullies the board. Buffet invests and then guides the board.
by Rolyatroba
Wed Jan 14, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 89
Views: 14047

Re: Can I retire early? 38 y/o

One thing that hasn't been focused on enough in this thread is sequence of returns risk, particularly in the first 15-20 years of a 50 year horizon. My belief is that over a 50 year period, you can expect a better than 4% annual return (if not, there will be bigger problems to worry about, which may...
by Rolyatroba
Sun Dec 21, 2014 4:16 pm
Forum: Investing - Theory, News & General
Topic: Good, Brief Articles on the Boglehead Way?
Replies: 11
Views: 1819

Re: Good, Brief Articles on the Boglehead Way?

Thanks for the inputs; several good ideas in there.
by Rolyatroba
Fri Dec 19, 2014 11:13 am
Forum: Investing - Theory, News & General
Topic: Good, Brief Articles on the Boglehead Way?
Replies: 11
Views: 1819

Good, Brief Articles on the Boglehead Way?

I've been helping a friend understand this stuff, but she is now asking for help convincing her father. I won't be involved in those conversations, but I want to prep her the best I can. With that in mind, I'd like to find a few brief but concise articles covering the topics of "Cost Matters&qu...
by Rolyatroba
Sat Dec 06, 2014 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing Sequence of Returns Risk
Replies: 15
Views: 3069

Re: Reducing Sequence of Returns Risk

When you want to borrow during times of distress in the financial markets, how do you know that anyone will lend to you at that time? I recall in 2008 banks not lending and credit card companies arbitrarily slashing credit limits because they were conserving their own cash. An additional risk of a ...
by Rolyatroba
Fri Dec 05, 2014 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing Sequence of Returns Risk
Replies: 15
Views: 3069

Re: Reducing Sequence of Returns Risk

Great to see that Wade Pfau has published a WSJ blog on this topic: http://blogs.wsj.com/experts/2014/12/01/the-case-for-reverse-mortgages/ There isn't much detail or elaboration on the concept above what has been discussed here, but nice to see that he has seemingly given a public stamp of approval...
by Rolyatroba
Fri Dec 05, 2014 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Is this a fair thing to say about past returns?
Replies: 3
Views: 1005

Re: Is this a fair thing to say about past returns?

Thanks for the replies. I hadn't considered a difference in the bond quality or the effect of international for the stocks (I purposely left out Int'l just to keep it simple, not realizing how much of an impact it could have). I also didn't model any rebalancing, which seems to have a pretty signifi...
by Rolyatroba
Thu Dec 04, 2014 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a fair thing to say about past returns?
Replies: 3
Views: 1005

Is this a fair thing to say about past returns?

Upon request for investing assistance by a family member, and after a bunch evangelizing for low costs and index funds, that person came back and said "Thanks, all my Schwab money is now in SWCRX." Aarghh!...0.6% ER, and seemingly a bunch of managed funds within, plus apparent use of lever...
by Rolyatroba
Tue Nov 18, 2014 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quick Backdoor Roth Question
Replies: 2
Views: 429

Re: Quick Backdoor Roth Question

Ah ok. A little tax spanking for the mistake.

Thanks for the input.
by Rolyatroba
Tue Nov 18, 2014 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Quick Backdoor Roth Question
Replies: 2
Views: 429

Quick Backdoor Roth Question

I have an IRA account at VG which is funded exclusively with after tax dollars. And yesterday, I just moved all funds from a Schwab IRA--the only other IRA I have--into a Schwab Individual 401k account (ostensibly to avoid the "pro-rata" rule). With that in mind, I am wondering if I have t...
by Rolyatroba
Fri Nov 14, 2014 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Help with Property Development
Replies: 3
Views: 566

Re: Help with Property Development

123 - There are a couple of reasons to not just take the money and run (these were previously unmentioned since it was already such a long post): 1 - While I am retired now (mostly), my wife wants to work until we move back, so I'll have a lot of time to work on this, and if I plan it right I can ha...
by Rolyatroba
Thu Nov 13, 2014 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Property Development
Replies: 3
Views: 566

Help with Property Development

I live in Idaho, and am hoping to redevelop our Sunnyvale, California property prior to returning there when our kids go off to college. Doing this in some fashion should (if done right) add a significant amount to our nest egg. The possible approaches to this seem almost endless, as do the various ...
by Rolyatroba
Sun Nov 09, 2014 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 11318

Re: Made a huge mistake, need help

Studying up on this, like others mentioned, is a good thing. But if you're not up to doing that, and just want advice for something simple and low maintenance, the below is what I'd recommend. Open a Vanguard account, and ask them for help in getting the assets transferred from WF (may require a red...
by Rolyatroba
Fri Oct 03, 2014 12:49 pm
Forum: Personal Consumer Issues
Topic: Get some Exercise!
Replies: 23
Views: 3218

Re: Get some Exercise!

Most importantly, make sure whatever you do is fun for you. What about for those folks, like me, who can no longer find a workout that is fun? That wasn't a problem for the last 20 years since I was a competitive Master's cyclist. But I've hung up my wheels, and even mountain biking isn't as fun as...
by Rolyatroba
Thu Sep 11, 2014 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 2148

Re: Help with Backdoor Roth

...have you considered that the stock markets could go down before the end of the year and your $12K contributions could buy more shares in January? Certainly, time has a nice compounding effect, but the "simplicity" of the contributions and conversions next year seem more important to me...
by Rolyatroba
Thu Sep 11, 2014 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 2148

Re: Help with Backdoor Roth

Your next move is to find out how to un-do the contributions for this year. Thanks...already recharacterized with VG earlier today. Tomorrow, the Roth balances should be transferred to the traditional IRA accounts. Also you recommended to transfers IRAs to 401ks this year but wait until next year t...
by Rolyatroba
Thu Sep 11, 2014 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 2148

Re: Help with Backdoor Roth

We are grappling with the same decision. However you would continue to gain during retirement if the Roth continues to grow, since I don't believe you have to take RMDs out of that. I also think you can continue to contribute to it until age 70 at least. Please correct me if I am wrong. I am not 10...