Search found 864 matches

by Sbashore
Sat Apr 30, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 39
Views: 1865

Re: Investment Fee's [too high?]

Thank You all for the replies and advice. I will be doing some suggested reading for the next few days and have an appointment next week with my soon to be former advisor! Kim Don't bother. Select a new custodian (lots of folks here use Vanguard, but Fidelity or Schwab can work too) and give them a...
by Sbashore
Fri Apr 29, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 415
Views: 39993

Re: High Earners - What's Your Profession?

IT Specialist - Software Engineer. Now retired.
by Sbashore
Thu Apr 28, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: A/C outside unit suggestions
Replies: 9
Views: 768

Re: A/C outside unit suggestions

My best experience with longevity of a AC system is Lennox. Lived in Northern Utah for 14 years, it was in the house when I moved in and still working with minimal maintenance when I moved out 14 years later.
by Sbashore
Tue Apr 26, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Selling a house with solar panels
Replies: 38
Views: 3430

Re: Selling a house with solar panels

I just sold a house last year in the desert southwest with a solar system. They're very popular here. Research showed that on average wholly owned solar panels added a little value, something less than 10%. Leased solar panels actually reduced the property value. This was a study of our local market.
by Sbashore
Sat Apr 23, 2016 5:06 pm
Forum: Investing - Theory, News & General
Topic: How do you avoid bad market timing for lump sum investments?
Replies: 23
Views: 2039

Re: How do you avoid bad market timing for lump sum investments?

I have it written into my IPS. Invest new money as soon as available.
by Sbashore
Fri Apr 22, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: "The Index Card"
Replies: 19
Views: 2767

Re: "The Index Card"

Thanks for the link Taylor. I read with amusement his reference to Louis Rukeyser and him being a villain. It was on his show that I first saw Jack Bogle. I still remember that interview to this day.
by Sbashore
Fri Apr 22, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Why did Vanguard Reit go down
Replies: 9
Views: 1542

Re: Why did Vanguard Reit go down

I have held it for many years. It's volatile. It reacts to many different factors. Industry news, interest rate expectations, etc. It's up quite a bit lately, so a four percent drop is not surprising.
by Sbashore
Tue Apr 19, 2016 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgage - To pay off existing mortgage?
Replies: 6
Views: 713

Re: Reverse Mortgage - To pay off existing mortgage?

I haven't done this, but I've looked at it quite seriously over time. Conclusion was to not go for it. What did it for us is that the costs are very high and are applied against the house. You're paying insurance for the lender in case the real estate doesn't ultimately cover what's owed and also pr...
by Sbashore
Sun Apr 17, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: Quick Question - To Time or Not to Time
Replies: 14
Views: 1218

Re: Quick Question - To Time or Not to Time

I'm not being facetious; this is exactly what you need to do in order to wait out an investment successfully. 1. Determine which investment you want to make (stock, fund, real estate, etc). 2. Prepare a future price history of the investment with sufficient accuracy. 3. Select the most appropriate ...
by Sbashore
Fri Apr 15, 2016 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Refining a portfolio - should I simplify?
Replies: 12
Views: 1191

Re: Refining a portfolio - should I simplify?

I took a look at it and it posted some completely unrealistic returns for Vanguard Total Stock Market etf. The fact that they were willing to forecast returns and volatility for both the long term and short term, without defining anything, is a red flag for me. They're claiming to know things they c...
by Sbashore
Thu Apr 07, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: I can retire right??
Replies: 14
Views: 1993

Re: I can retire right??

Sounds like you'll be fine. I know it's common to be hesitant to "pull the plug". I know I planned and planned for years and it still was a pleasant surprise after I retired to see things working out ok. It's good advice to give a lot of thought to what you'll do with your time. That's an ...
by Sbashore
Sat Apr 02, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Mutual Funds to Pay Off Mortgage
Replies: 16
Views: 1100

Re: Selling Mutual Funds to Pay Off Mortgage?

Bogleheads: Being debt-free is great, but I know retirees who wish they did not have their money tied-up in home equity. Best wishes. Taylor Good point Taylor. I am a retiree with a significant (for me) mortgage. I won't pay it off for all the reasons you listed previously. For me, being able to pa...
by Sbashore
Sun Mar 27, 2016 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: does solar increase the value of a house
Replies: 15
Views: 1295

Re: does solar increase the value of a house

I just sold a house with solar in the Phoenix, AZ area. My Realtor did some research and provided documentation that indicated that an owned solar system in this market added on average 5-10% to the home's value over one without solar. A home with a leased solar system reduced it's value by about 6%.
by Sbashore
Thu Mar 17, 2016 12:04 pm
Forum: Investing - Theory, News & General
Topic: Is the market sentiment always in "bubble mode"?
Replies: 12
Views: 795

Re: Is the market sentiment always in "bubble mode"?

I seem to remember in March of 2009 (edit) when I certainly didn't think the market was in a bubble.
by Sbashore
Thu Mar 10, 2016 1:44 pm
Forum: Investing - Theory, News & General
Topic: Are we in a bubble?
Replies: 38
Views: 5145

Re: Are we in a bubble?

Well, to begin with, I think that measuring everything from the bottom at March 2009 makes things look more bullish than I think they are. My personal feelings are that 2009 to 2016 only looks so great because we're measuring from the bottom of a well. 2009 to 2012 was just getting back to even. As...
by Sbashore
Thu Mar 10, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: Passive Indexing: What could go wrong?
Replies: 25
Views: 3302

Re: Passive Indexing: What could go wrong?

Yeah, goldman-sachs traders are going to ignore any mispricings that develop from any market inefficiencies because their friends and neighbors told them that index funds are the place to be. People will do leap frogs to arbitrage mispricings back to fair value, keeping the market efficient. I figu...
by Sbashore
Thu Mar 10, 2016 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: For those with access to TSP bonds (G/F), do you use Vanguard bonds?
Replies: 8
Views: 733

Re: For those with access to TSP bonds (G/F), do you use Vanguard bonds?

I agree with taschda's comments. To answer your question, I hold most (80%) of my TSP in the G fund. That's how it works out for the L Income Fund which is what I hold. I also hold Vanguard Total Bond Fund in my Vanguard IRA since my TSP is not large enough to give me all the exposure to bonds I wan...
by Sbashore
Sun Mar 06, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Effective Tax Rate
Replies: 16
Views: 1860

Re: Effective Tax Rate

A lot of our income is not taxed. I think that is the way it is with most people. I prefer to look at the Adjusted Livesoft Income and its effective tax rate: https://www.bogleheads.org/forum/viewtopic.php?t=163748 Our effective ALI tax rate is under 5% as it should be. I'll add a bonus question: D...
by Sbashore
Sat Feb 27, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to retire early, need help developing a strategy
Replies: 10
Views: 1791

Re: Wanting to retire early, need help developing a strategy

I would save and invest as aggressively as I could in Vanguard Balanced Index Fund. :happy I would also save and invest as aggressively as possible in the TSP. I'm former military and retired DoD and my TSP has proven to be quite valuable to me. At this point in time I'd reconsider your plan to onl...
by Sbashore
Thu Feb 18, 2016 4:05 pm
Forum: Investing - Theory, News & General
Topic: "These Bond Funds Have Provided Effective Ballast"
Replies: 2
Views: 1031

Re: "These Bond Funds Have Provided Effective Ballast"

Thank you Taylor. I have two bond funds in my portfolio. TSP 'G' Fund and Vanguard Total Bond Market Admiral. Absolutely no regrets here.
by Sbashore
Fri Feb 12, 2016 10:13 am
Forum: Investing - Theory, News & General
Topic: Rebalancing bands, what is your CURRENT out-of-balance drift?
Replies: 47
Views: 2870

Re: Rebalancing bands, what is your CURRENT out-of-balance drift?

My AA is 50/50. My re-balance band is 5% overall. Currently I'm at 48.13 Equity, 51.87 Fixed. As of yesterday's close.
by Sbashore
Thu Feb 11, 2016 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 10188

Re: What is your decline in Net Worth as of today?

My net worth doesn't have anything to do with my portfolio decisions. I don't know what my portfolio decline is since I don't check things every day. I do know that I have quite a ways to go before I get a re-balance signal so maybe I'll check things this weekend. Probably won't be doing anything an...
by Sbashore
Thu Feb 11, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: A Couple of Tips For Nervous Times
Replies: 2
Views: 897

A Couple of Tips For Nervous Times

Thought I'd share a couple of ideas that I employ to stay grounded when markets get volatile. I'm retired and have no trouble staying the course thanks to this forum and a well thought out IPS. 1. Long before I ever heard of "Buckets" I computed how many years of cash and how many years of...
by Sbashore
Mon Feb 08, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5662

Re: No guts to buy today!

it certainly was not a dumb question and I never intended to imply that. My only point is that investing is not a mechanical operation. mpt follower, Why not? The whole point of having an IPS is to take emotion out of those kind of decision. KlangFool At this point in my life (retired) it is pretty...
by Sbashore
Mon Feb 08, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5662

Re: No guts to buy today!

As of Friday I was down 3.99% and my equity/fixed ratio was off by 1%. So it will be a while until I have to do anything. In my experience following my plan has always turned out to be more profitable than trying to "judge" where the market is at any point in time. I'll take humble arithme...
by Sbashore
Sat Feb 06, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: What is your average return?
Replies: 17
Views: 2025

Re: What is your average return?

My median return since I retired in 2005 has been a little over 8% nominal. AA during that time was 70/30 stock/fixed gliding to a present day 50/50.
by Sbashore
Sat Feb 06, 2016 12:02 pm
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 72
Views: 9335

Re: The Gravy Train Departed?

Learn the difference between the speculative component and the investment component of the markets. Realize that at any given time there will be the siren song coming from somewhere to entice you onto the rocks. I remember my Grandfather telling me stories of the crash of '29 and how he inherited a ...
by Sbashore
Sat Feb 06, 2016 11:44 am
Forum: Investing - Help with Personal Investments
Topic: TSP asset allocation
Replies: 7
Views: 742

Re: TSP asset allocation

Why don't you look at the Lifecycle Funds ? Set it and forget it, plus it's a great bargain. Pick a fund that is as aggressive as you want without regard to actual retirement date.
by Sbashore
Thu Feb 04, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Suggested AA for Retirees
Replies: 11
Views: 917

Re: Suggested AA for Retirees

CoAndy wrote:Without knowing more, I would throw out 50-40-10 stocks, bonds, cash.


I have SS and Pension sufficient to meet basic expenses. I am budgeted to allow myself a 5% withdrawal (nominal) from my portfolio but rarely reach that percentage. My allocation is 50/42/8 stocks, bonds, cash.
by Sbashore
Thu Feb 04, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 5872

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

My expenses are covered 100% by SS and pensions. Larger discretionary expenses come from my portfolio.
by Sbashore
Wed Feb 03, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6774

Re: What age did you retire

I retired at 57. It was when I was eligible. No regrets either way.
by Sbashore
Sat Jan 30, 2016 1:21 pm
Forum: Investing - Theory, News & General
Topic: Who else is holding in cash? [For future investing]
Replies: 66
Views: 5062

Re: Who else is holding in cash?

I'm holding cash at my target percentage within my tolerance bands. I just did my calculations for January and my portfolio is down less than 3%. This is a non-event to me. My IPS says to invest new money completely when I receive it. That's what I do. It works nicely for me. I don't have to guess w...
by Sbashore
Fri Jan 29, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: What's this "magical 5% return" always being referred to?
Replies: 18
Views: 1640

Re: What's this "magical 5% return" always being referred to?

I've been retired for ten years and hold 50/50. There is no standard formula it varies by individual situation. I can withdraw up to 5% nominal according to my budget and it works fine for me.
by Sbashore
Tue Jan 26, 2016 12:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 4346

Re: Happy Birthday Taylor!

Happy Birthday Taylor! I wish you all the best.
by Sbashore
Thu Jan 21, 2016 1:18 pm
Forum: Investing - Theory, News & General
Topic: Why are REITs not providing any benefit in this market?
Replies: 45
Views: 5228

Re: Why are REITs not providing any benefit in this market?

I have 5% REIT in my IRA, not sure what to do. Bought at the peak. :( I know what I'm going to do with my 5% REIT. I'm going to hold it at 5%. Did I buy it at a peak? Have no idea. I've held it for so long, probably not, but what does it matter? It does what I want it to. It does not behave exactly...
by Sbashore
Thu Jan 21, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: How to face worry?
Replies: 9
Views: 994

Re: How to face worry?

Based on my experience what caused me to worry, get fearful, etc. was not understanding what was happening. Once I understood what could happen and what was happening, it went a long way towards enabling me to breathe easier. I like to think of the experience that most people have felt. Remember the...
by Sbashore
Wed Jan 20, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 7272

Re: Capitulation!

Seems like you pulled the trigger a little prematurely. The crescendo kind of faded. :happy
by Sbashore
Wed Jan 20, 2016 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 6600

Re: I have no more money to invest

FillorKill wrote:
InvestorNewb wrote:One idea I had was selling my car, but then I would have to bus everywhere.

Sounds reasonable. It may be inconvenient on a practical level but you'd be a legend in the forum. Go for it.


This is both very funny and true. :D
by Sbashore
Sun Jan 17, 2016 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: What is your action plan?
Replies: 43
Views: 2645

Re: What is your action plan?

My action plan is to take no action, which is sticking to my plan. My plan has me rebalancing if equities/fixed get more than 5% away from my target allocation. As of Friday, that difference is just about 1%. Excel says to do nothing, that's what I do.
by Sbashore
Sat Jan 16, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Ignore the noise
Replies: 16
Views: 2245

Re: Ignore the noise

I think things are interesting right now. Nothing more. As far as my portfolio, it's a non-event, I'm down less than 5% year to date. Nothing to do, no re-balance signals flashing in my Excel Spreadsheet.
by Sbashore
Fri Jan 15, 2016 9:10 am
Forum: Investing - Theory, News & General
Topic: How view non-invested funds when doing strategic allocation?
Replies: 7
Views: 307

Re: How view non-invested funds when doing strategic allocation?

I consider all my available funds as part of my portfolio and apply my AA to that. It works for me since I'm retired, don't really need a separate emergency fund. Incidentally I'm 50/50.
by Sbashore
Fri Jan 15, 2016 9:08 am
Forum: Investing - Theory, News & General
Topic: My list of sure things for 2016
Replies: 8
Views: 1139

Re: My list of sure things for 2016

Thanks Larry. I like your 'sure things' columns too. Helps me keep perspective.
by Sbashore
Tue Jan 12, 2016 3:26 pm
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 6782

Re: What would you tell your 25 yr old self?

Buy Yahoo as soon as it appears on the exchanges. Keep buying it with every available dollar. Borrow money to buy Yahoo. Sell Yahoo when it hits 299.00 per share.
by Sbashore
Sun Jan 10, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor wants to convert TSP to ?
Replies: 64
Views: 5181

Re: Advisor wants to convert TSP to ?

livesoft wrote:What next meeting? There should be no next meeting.


Well said. My thought exactly. Anyone who tries to talk me out of my TSP and sell me an insurance product has me sprinting for the exit.
by Sbashore
Sat Jan 09, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: Does the market being down limit downside risk?
Replies: 56
Views: 3293

Re: Does the market being down limit downside risk?

........ What I am actually trying to do is come up with a way of calculating if I buy $10,000 of VTI today with new money, worst case I have $5,000 or whatever the number should be and my dividends. For me personally cracking that nut would go a long way into determining how I invest new funds at ...
by Sbashore
Sat Jan 09, 2016 12:08 pm
Forum: Investing - Theory, News & General
Topic: Does the market being down limit downside risk?
Replies: 56
Views: 3293

Re: Does the market being down limit downside risk?

In 1929 the stock market declined 79%. That means that after it dropped 50%, it dropped another 50%, and then it dropped another 14%. Then it recovered... and then in 1937 it dropped 50%... again! ........ What I am actually trying to do is come up with a way of calculating if I buy $10,000 of VTI ...
by Sbashore
Sat Jan 09, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: Does the market being down limit downside risk?
Replies: 56
Views: 3293

Re: Does the market being down limit downside risk?

In 1929 the stock market declined 79%. That means that after it dropped 50%, it dropped another 50%, and then it dropped another 14%. Then it recovered... and then in 1937 it dropped 50%... again! ........ What I am actually trying to do is come up with a way of calculating if I buy $10,000 of VTI ...
by Sbashore
Sat Jan 09, 2016 10:40 am
Forum: Investing - Theory, News & General
Topic: Does the market being down limit downside risk?
Replies: 56
Views: 3293

Re: Does the market being down limit downside risk?

I think when the market goes down the downside risk reduces, but by an unknowable amount. It's risk after all. I look at things in terms of probabilities. When I consider a possible 50% decline in my equity holdings, I consider the possibility and probability of that decline but do not consider it a...
by Sbashore
Sat Jan 09, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: 2000-2005 Retirees please share your wisdom
Replies: 8
Views: 1298

Re: 2000-2005 Retirees please share your wisdom

I retired in Oct. 2005. I think everyone's situation is different. I had income sufficient to cover my basic needs. I glided (sort of) from a 70/30 AA to a 50/50 AA by 2009. I am still at a 50/50 AA. Since then there have been a lot of major life events, but I've maintained spending discipline and s...
by Sbashore
Fri Jan 08, 2016 11:55 am
Forum: Investing - Help with Personal Investments
Topic: DIY or Annuity? What should I choose for retirement income?
Replies: 13
Views: 1176

Re: DIY or Annuity? What should I choose for retirement income?

All, I'd really appreciate your opinion on this. I've not spent much time researching anuities sicne I always thought that they are for people who are not DIY types. My reasoning was: I have two skills that an annuity buyer may not have: (a) I am good at Excel & can create models/scenarios and ...

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