Search found 934 matches

by Sbashore
Wed Aug 09, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and Interest rates increase
Replies: 34
Views: 2510

Re: Bonds and Interest rates increase

The expected interest rate rise is ALREADY priced into bond funds. I have been reading about the "bond bubble" and moving asset allocation into short term bonds or cds. One example: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=224687 If I had done that when I first started hearing about a ...
by Sbashore
Sat Aug 05, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7088

Re: Study: Who Sold Stock During the 2008-9 Crash?

Did the study examine the investor's stock allocation? Were the people who sold people that had been advised or otherwise noodged toward a too-aggressive stock allocation? I have know people who for decades relied on a financial advisor. They had no idea of how much risk they were taking. They sold...
by Sbashore
Sat Aug 05, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7088

Re: Study: Who Sold Stock During the 2008-9 Crash?

I did not sell anything. I must confess to violating my own rules when I purchased GE @ $8. Just couldn't resist. 8-)
by Sbashore
Sat Aug 05, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Stock market bubble
Replies: 22
Views: 1775

Re: Stock market bubble

I see no evidence of a bubble. Even if I did I wouldn't act on it. Odds are I'd be wrong.
by Sbashore
Thu Aug 03, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: My wife is getting ready to retire from thr Federal Government.
Replies: 30
Views: 2859

Re: My wife is getting ready to retire from thr Federal Government.

Stay away! It sounds like an Equity Index Annuity. Companies like this prey on people about to retire. This company is one that focuses on retiring feds. Just figure out what additional income you need in addition to your pensions and social security. Then come back and post with a question asking ...
by Sbashore
Wed Jul 26, 2017 12:46 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17805

Re: How are folks handling the unprecedented rise in the market ?

My IPS has already considered this type of market. I just stick to it and re-balance when it's appropriate.
by Sbashore
Wed Jul 26, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: BASE INVESTMENT or What Your Ruler
Replies: 14
Views: 822

Re: BASE INVESTMENT or What Your Ruler

I use the total stock market as my basic benchmark. Being at a target 50/50 allocation makes comparing my performance to my benchmark a simple mental calculation.
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: 4434

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: 2910

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: 5126

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: 381

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: 1803

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: 3498

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: 4226

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: 1590

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: 3172

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: 3172

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: 1217

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: 1679

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: 3579

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: 18421

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: 627

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: 596

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: 1043

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: 3311

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: 2538

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: 3784

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: 273
Views: 36610

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: 2439

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: 445

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: 3154

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: 5590

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: 1753

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: 1639

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: 3023

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: 13022

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: 2820

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: 3597

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: 1359

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: 2661

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: 3081

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: 6725

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: 7766

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: 4930

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: 1176

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: 13887

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: 4915

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: 8294

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: 2052

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.