Search found 927 matches

by Sbashore
Thu Jun 08, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Retirees: What are you doing about withdrawing?
Replies: 31
Views: 4128

Re: Retirees: What are you doing about withdrawing?

I calculate a "budget" amount I can withdraw based on average portfolio value over three years, next years estimated dividends and my life expectancy. It varies with my portfolio value, but very little given my computation method.
by Sbashore
Tue Apr 18, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: "Vanguard's free RMD Service: Sign up before you turn 70½"
Replies: 23
Views: 2759

Re: "Vanguard's free RMD Service: Sign up before you turn 70½"

I have an inherited IRA from a younger spouse, so according to the IRS I get to start RMD according to her age. Vanguard doesn't seem to be able to handle this.
by Sbashore
Tue Apr 18, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Investors backing off their equity AA primarily due to 8-year bull market?
Replies: 56
Views: 4864

Re: Investors backing off their equity AA primarily due to 8-year bull market?

I'm staying the course. I do look at historical returns as a matter of curiosity sometimes. I guess we've been in a bull market, although when I look at 2011 and 2015 I'm not sure. Doesn't really matter to me since market performance is independent of my investing strategy.
by Sbashore
Fri Apr 14, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Settlement Fund / Personal Bank
Replies: 1
Views: 370

Re: Vanguard Settlement Fund / Personal Bank

I've done it both ways and always got the expected closing price.
by Sbashore
Mon Apr 10, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Confused [about investing books]
Replies: 16
Views: 1679

Re: Confused

Why don't you check this out? https://www.bogleheads.org/wiki/Getting_started

The videos might be helpful to illustrate some concepts before you start reading.
by Sbashore
Tue Mar 28, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Personal experience over time? [How far from retirement, time spent investing]
Replies: 31
Views: 3315

Re: Personal experience over time?

I retired in 2005. Have been using a passive index fund strategy since about 2000. I only have current records from when I retired. My average annual return since I retired has been 8.34 %. That's right in line with a 50/50 portfolio which I now hold, but I evolved to that from a 70/30 slice/dice po...
by Sbashore
Mon Mar 13, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Don't let your political views impact your investment strategy
Replies: 28
Views: 4114

Re: Don't let your political views impact your investment strategy

I have seen the impact of people's political views on investing over the years. Sometimes not understanding something leads one to have a distorted view of economics and investing.
by Sbashore
Thu Mar 02, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Three-Fund Portfolio Question?
Replies: 9
Views: 1528

Re: Three-Fund Portfolio Question?

Thanks Taylor. I suspected the answer, but mainly because you asked the question. :happy
by Sbashore
Wed Mar 01, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the Market (just once)
Replies: 37
Views: 2982

Re: Timing the Market (just once)

Kaoboj wrote:I appreciate your level headed responses keeping me from harming myself with less-than-rational decision making.
I will stay the course with my selected allocations and re-balance quarterly as outlined in my personal investment plan.

Excellent idea. :happy

And welcome to the forum.
by Sbashore
Wed Mar 01, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Timing the Market (just once)
Replies: 37
Views: 2982

Re: Timing the Market (just once)

I know I shouldn't try to time the market. But I want to, just once. Hear me out. I just started making money last year (doctor) and I want to store up funds to buy when the market tanks. I don't think I have any special insight into when the next correction will hit, but I think it'll be in the ne...
by Sbashore
Thu Feb 16, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Stick with Vanguard Total Bond Index
Replies: 7
Views: 1180

Re: Stick with Vanguard Total Bond Index

I agree with DBR above. I'm retired and hold 50/50. Pay attention to your overall duration and you'll see that overall higher interest rates will be a benefit. I hold a combination of Vanguard Total Bond and TSP "G". My duration of all bond holdings is about 3 years so I'm not concerned. I...
by Sbashore
Thu Jan 26, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: TSP?
Replies: 13
Views: 1633

Re: TSP?

I consider it as a bond fund in my holdings.
by Sbashore
Mon Jan 09, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 3440

Re: Turned 30! Women's advice for skin care??

Drink plenty of water.

Get plenty of sleep.

Guard against sun exposure.

Eat a balanced, nutritious diet.
by Sbashore
Mon Jan 09, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 17990

Re: Best Financial Moves You've Made

In my twenties as I walked my beat as a security guard, I used to mentally calculate how much I'd have in time if I saved X amount. Constantly varying the amounts, based on my ability to save. It was at a time in my life when I did not have much to save but set the stage for me as I progressed in li...
by Sbashore
Fri Dec 23, 2016 1:11 pm
Forum: Investing - Theory, News & General
Topic: Optimal rebalancing strategy?
Replies: 7
Views: 612

Re: Optimal rebalancing strategy?

My rebalancing strategy is optimal for my particular situation. At least I think it is. Not sure how to test it. :D
by Sbashore
Tue Dec 13, 2016 10:50 am
Forum: Investing - Help with Personal Investments
Topic: A small new wrinkle on the old DCA vs lump sum question
Replies: 7
Views: 563

Re: A small new wrinkle on the old DCA vs lump sum question

Your plan sounds good, given the circumstances. I understand completely. I manage a portfolio for someone else in addition to my own and am more concerned about that portfolio than my own. I don't let the feeling translate into my decision making however.
by Sbashore
Sun Dec 11, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Cancelling Credit Cards
Replies: 9
Views: 975

Re: Cancelling Credit Cards

Cancelling credit cards will increase your credit utilization percentage thus pinging your credit score a small amount, probably temporarily. That's been my experience anyway. I doubt in your situation it would make much difference. I cancelled some cards and basically it was a non-event.
by Sbashore
Sun Dec 11, 2016 10:15 am
Forum: Personal Consumer Issues
Topic: Any experience with the Sleep Number bed?
Replies: 24
Views: 3171

Re: Any experience with the Sleep Number bed?

I had one ten years ago that I ended up getting rid of. The display on one of the controllers went bad, and the foam that gave the sides structural integrity kept shifting. All in all it was decent enough to sleep in, but I ended up moving and getting rid of it. My overall impression is that it was ...
by Sbashore
Fri Dec 09, 2016 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Is US stocks going up too fast?
Replies: 21
Views: 2418

Re: Is US stocks going up too fast?

Just purchased my portfolio last week and its gone up a few percent already with the trump rally in US stock prices. Does this scare anyone lol I know l'm suppose to be happy, but l thought passive investing is more about slow and progressive. I'm getting a little worried ,Les Is it the Trump rally...
by Sbashore
Mon Nov 28, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Disputing fat hospital bill?
Replies: 33
Views: 3705

Re: Disputing fat hospital bill?

Just to add, when in doubt call you insurance company AFTER you have your Explanation of benefits and have them walk you through it. Also I don't pay any provider until I have the EOB and verify its correct. +1. This is good advice. I've dealt with complicated health issues and ongoing huge medical...
by Sbashore
Tue Nov 22, 2016 11:26 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 242
Views: 29158

Re: Retreat to cash

Your own words "essentially betting" sums up what you're doing. You're changing from a long term investor to a speculator. Not a great idea in my opinion.
by Sbashore
Wed Nov 09, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: The market was off 800 points after hours! Why?
Replies: 8
Views: 2391

Re: The market was off 800 points after hours! Why?

Markets, even futures markets react to news. When something unexpected happens sometimes the transient reaction is major.
by Sbashore
Mon Oct 31, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: When to buy mutual fund accoutn for child?
Replies: 4
Views: 420

Re: When to buy mutual fund accoutn for child?

When this question is asked the predominant answer is "Buy now", but no one can predict the future. So buy some now and buy some later. Since markets go up about 66% of the time, you might buy $6600 now and $3400 later. Or buy now. Investing is all about losing money, so one has to get us...
by Sbashore
Wed Oct 05, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: Adjusting the x% spending rule
Replies: 27
Views: 3067

Re: Adjusting the x% spending rule

I'm retired and I don't believe in following someone else's "rule".

I use a nominal percentage.

I compute a maximum withdrawal amount, call it my budget.

I consider my life expectancy and portfolio value averaged over the past two years.

Been working just fine.
by Sbashore
Tue Oct 04, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: What are implications of Jack Bogle's Morningstar interview
Replies: 39
Views: 5488

Re: What are implications of Jack Bogle's Morningstar interview

Hi Cody, Responses in your quoted post. I'm trying to wade through the future implications of the "Bogle: Tough Decade Ahead for Equity Investors" interview. I am in the withdrawal stage and, if I get it right, the interview points the way to much lower exceptions of future stock and equit...
by Sbashore
Tue Sep 27, 2016 12:19 pm
Forum: Personal Consumer Issues
Topic: Computer backup options
Replies: 21
Views: 1672

Re: Computer backup options

There's a product I use called Macrium. It has a free partition back-up and cloning version that is pretty robust. In the free version you can schedule periodic back-ups. Seems like a pretty professional product.

I like the quality and it's bailed me out so I know it works well.
by Sbashore
Tue Sep 20, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: ETF vs. Mutual Fund
Replies: 21
Views: 1553

Re: ETF vs. Mutual Fund

I've held ETF's in the past, because I wanted to hold investments in Vanguard Funds at a non-Vanguard institution. Using ETF's in this scenario worked best for me. When I left that institution and consolidated at Vanguard, I migrated to mutual funds because it was easier to manage and I had no need ...
by Sbashore
Thu Aug 25, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: Timing the Stock Market...lol
Replies: 25
Views: 2980

Re: Timing the Stock Market...lol

My IPS doesn't allow me to consider "a lot of talk" nor does it provide for "money on the sidelines". So not an issue for me. :happy
by Sbashore
Wed Aug 17, 2016 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 12766

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

Don't do anything until you have a well thought out plan. Once you have that, what to do is easy......execute the plan and stay the course.
by Sbashore
Tue Aug 16, 2016 9:05 am
Forum: Investing - Help with Personal Investments
Topic: How often do you adjust your AA to account for your age?
Replies: 29
Views: 2737

Re: How often do you adjust your AA to account for your age?

I've been retired for eleven years. Currently my allocation is 50/50 equity/fixed. I entered retirement at 70/30 equity/fixed and adjusted to my present target which I aimed to hit at age 65. I accelerated that adjustment a bit during the run-up after 2008. I have no plans to change any more but do ...
by Sbashore
Mon Aug 15, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: US Gov vs federal contractor - medical benefits in retirement?
Replies: 35
Views: 3512

Re: US Gov vs federal contractor - medical benefits in retirement?

I'd say go with the Federal position. I've seen both sides. I'm a retired federal employee and the combination of pension/SS and medical benefits has me sitting quite comfortably, especially since I also have Medicare A and B. I also know someone who worked, although not as a contractor, at a major ...
by Sbashore
Wed Aug 10, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Strategic Default on Timeshares
Replies: 7
Views: 1337

Re: Strategic Default on Timeshares

I think you should give the resorts the chance to take back the timeshares first. You can explain that your parents are older and are no longer traveling. There's a chance they'll just absolve your parents of any future obligations. I imagine the resorts have plenty of means to try to bill your par...
by Sbashore
Wed Jul 27, 2016 11:00 am
Forum: Investing - Theory, News & General
Topic: Traits of a successful investor
Replies: 29
Views: 2588

Re: Traits of a successful investor

In my forty plus years of investing experience, the factor which enabled me to successfully implement my investment strategy was patience.
by Sbashore
Mon Jul 25, 2016 3:08 pm
Forum: Investing - Theory, News & General
Topic: The Fortitude Required of a Buy-and-Hold Equity Investor
Replies: 37
Views: 3020

Re: The Fortitude Required of a Buy-and-Hold Equity Investor

This is the first time I've seen a chart that illustrates very well my experience in the stock market since I retired in 2005 and my perception that going forward, no one really knows what will happen. We can hope though. :happy
by Sbashore
Tue Jul 19, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Feeling discouraged
Replies: 60
Views: 6598

Re: Feeling discouraged

One of the virtues of the successful investor that is rewarded is patience. I remember coming out of the manic market of the 90's. It was hard to sit things out. But if you are successful you will be ultimately rewarded. Not a bad thing to keep in mind.
by Sbashore
Sat Jul 02, 2016 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 7573

Re: Living off dividends/interest in retiremeht

I'm retired and use total return. It's just the simplest way to do it. If you have an asset allocation that works for you, and your projected return is more than the 2.5% you need why worry? Another possibility is that if you try to structure your portfolio for sufficient dividends to meet your dist...
by Sbashore
Thu Jun 30, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Refinancing Home to buy Stocks. Confusion
Replies: 62
Views: 4744

Re: Refinancing Home to buy Stocks. Confusion

saltycaper wrote:Leverage plus a huge market timing move? This may not end well.


+1. Been there, done that. Only by virtue of luck did I not lose more than I did.
by Sbashore
Mon Jun 27, 2016 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Solar bonds
Replies: 11
Views: 1142

Re: Solar bonds

Looks like a junk bond to me. Solar in general and Solar City in particular is an area I personally will avoid as an investor until something major changes in the industry.
by Sbashore
Sun Jun 26, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 13527

Re: What did you learn from the post-Brexit bloodbath?

Bloodbath? My portfolio is still in the black for the year. Non-event to me.
by Sbashore
Mon Jun 13, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: The Most and Least Expensive Cars to Maintain
Replies: 40
Views: 4846

Re: The Most and Least Expensive Cars to Maintain

Seems reasonable to me since I'm a Toyota fan and owner.
by Sbashore
Wed Jun 08, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 85
Views: 7975

Re: Why should FEHB members buy Medicare Part B?

I opted to change to GEHA plus Medicare B. My overall premiums are quite reasonable for a situation with no deductibles and no co-pays. I've minimized the risk of health care costs in retirement to the point where they are not a factor for me.
by Sbashore
Wed Jun 08, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: Don't let your political views impact your investment strategy
Replies: 18
Views: 2036

Re: Don't let your political views impact your investment strategy

Thanks Larry. Good advice. While I may not like the economic policies of one party, and the resultant performance of my portfolio (at least in my unsubstantiated opinion) I've been able to stay the course. It has worked.
by Sbashore
Tue Jun 07, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Any preference between emerging mkts etf and adminal?
Replies: 3
Views: 266

Re: Any preference between emerging mkts etf and adminal?

livesoft wrote:You would be able to buy VWO at a steep discount during a flash crash. You couldn't do that with the mutual fund.


Or if you forgot to place a limit on a sell order during a flash crash you could get slaughtered. You couldn't do that with a mutual fund. :D
by Sbashore
Tue Jun 07, 2016 1:15 pm
Forum: Investing - Theory, News & General
Topic: At what point do we market time?
Replies: 87
Views: 7533

Re: At what point do we market time?

For me there is no point where I will time the market. My IPS takes into account the scenario you outlined and my spreadsheet, which implements my IPS will tell me exactly what to do after I fill in my account balances. It's all about maintaining my chosen risk level.
by Sbashore
Thu Jun 02, 2016 10:09 am
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 5514

Re: When do YOU rebalance?

livesoft wrote:I think something is wrong with a rebalancing algorithm that does not trigger any rebalancing if equities drop 20%.


How could you know that without reading my IPS? Maybe wrong for you. Not me.
by Sbashore
Thu Jun 02, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 5514

Re: When do YOU rebalance?

I went and did a simulation using my spreadsheet. It implements my IPS. A 20% drop would have me doing minor rebalancing among my equity classes, but no action to add to my overall equity position. That is what I would do.
by Sbashore
Tue May 31, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: How persnickety are you with your rebalance bands?
Replies: 39
Views: 3551

Re: How persnickety are you with your rebalance bands?

My bands are 5% overall equity/fixed and 20% for individual asset classes. When I breach those limits I usually take action. Sometimes I'll just buy or sell enough to get back into the band, not necessarily to the target. I did that in 2008-09. These days I don't get many signals to do anything. Som...
by Sbashore
Sat May 28, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Reading advice
Replies: 26
Views: 1759

Re: Reading advice

Your Money & Your Brain by Jason Zweig. I found that understanding the behavioral reasons behind some of my thoughts was a great tool in saving me from myself.
by Sbashore
Wed May 18, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: Is anyone here currently getting an annuity payout?
Replies: 19
Views: 2941

Re: Is anyone here currently getting an annuity payout?

I have a small survivors annuity that is currently being serviced by Met Life. It was originally Principal. Never had any problem with it in almost 16 years. Payments always credited on time.

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