Search found 330 matches

by antiqueman
Wed Jan 27, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Should Long Term Care Insurance be part of my portfolio ?
Replies: 38
Views: 2289

Re: Should Long Term Care Insurance be part of my portfolio ?

I would keep it. I have had a LTC policy for about 10 years. Each year that the yearly payment is due I wonder if I should keep paying. Leap forward to two weeks ago when my 83 year old father quickly declined with dementia and Parkinson . The doctor ordered hospice. My father is lying in bed basica...
by antiqueman
Wed Jan 27, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Roofing Replacement Estimate??
Replies: 24
Views: 1524

Re: Roofing Replacement Estimate??

I do not think that estimate is to high if you are getting a Metal Roof. I had a well respected contractor replace my roof last November. I also live in the Southeast. To tear off my old metal roof, put water/ice shield over the entire roof, and put 26 gauge metal on the roof with correct flashing o...
by antiqueman
Tue Jan 26, 2016 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Timing of updates to SSA.GOV
Replies: 7
Views: 741

Re: Timing of updates to SSA.GOV

Mine was updated in April last year. I wasted the time between January and late April checking it weekly. I don't think the information will be there until late April
by antiqueman
Sun Jan 24, 2016 8:38 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in Retirement.
Replies: 28
Views: 1967

Re: Rebalancing in Retirement.

I am the original poster. A much appreciated thank you to ALL of the replies. Everyone of them is the type comments and thoughts I was seeking. There is a lot of great information and analysis in each of the posts. I would appreciate further comments. I hope I receive many more but if I don't , the ...
by antiqueman
Sun Jan 24, 2016 5:12 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in Retirement.
Replies: 28
Views: 1967

Rebalancing in Retirement.

I would appreciate the forums thoughts on whether or not a person should rebalance their AA during retirement., I recall Larry Swedroe sometime ago stating he didn't rebalance except on the upside. I assume that since Larry has stated that he has "won the game" that the reason he does not ...
by antiqueman
Thu Jan 21, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying 10 year TIPS tomorrow?
Replies: 19
Views: 1591

Re: Anyone buying 10 year TIPS tomorrow?

The yield came in on the ten year TIPS at a .72.

There wasn't much demand.

Break even inflation for this TIPS is 1.30% over ten years.

Thoughts?
by antiqueman
Wed Jan 20, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 6995

Re: Capitulation!

No capitulation yet. Not enough people dumping stocks. For capitulation I think there will have to be several days like today.
by antiqueman
Wed Dec 23, 2015 7:30 pm
Forum: Investing - Theory, News & General
Topic: Gliding To Small Value
Replies: 15
Views: 1726

Re: Gliding To Small Value

I believe the logic behind a Larry Portfolio is sound. My problem with implementing it is that I do not think there are Vanguard or other funds other than DFA that can be utilized to establish the Larry portfolio. So if you aren't going to hire a DFA advisor , how are you going to establish a true L...
by antiqueman
Tue Dec 22, 2015 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 73
Views: 7994

Re: Are Bogleheads Buying I-Bonds 2016?

I plan to buy my 2015 allotment this week.

Yes, the interest rate is 0.10 plus inflation. But at least it keeps up with inflation. That's more than any other fairly liquid, safe investment makes these days.
by antiqueman
Wed Dec 02, 2015 8:44 pm
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 1646

Ford Edge or Nissan Murano or Something Else

I am probably going to have to buy another car. I am considering the following, in no particular order: !. Ford Edge 2. Nissan Murano 3. Something comparable to those two above that the forum members recommend I prefer the following attributes in the order listed 1. Safety 2 Reliability and reasonab...
by antiqueman
Mon Nov 23, 2015 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: J.Bogle suggest High Dividend Stock Fund
Replies: 26
Views: 4806

J.Bogle suggest High Dividend Stock Fund

I just finished listening to about an hour interview between Motley Fool and Mr. Bogle. I don't know the date of the interview but guess it was either 2013 or 2014 because there was discussion of the financial crisis, its recovery and low bond yields--which leads to my question. In this interview Mr...
by antiqueman
Wed Oct 28, 2015 7:11 pm
Forum: Investing - Theory, News & General
Topic: November I Bond Interest Rate Thread! [fixed goes from 0% to 0.10%]
Replies: 43
Views: 4179

November 2015 I Bond Rate

[Thread merged into here, see below. --admin LadyGeek]

When will the rate for the I Bonds issued November 2015 be released?
by antiqueman
Wed Oct 21, 2015 9:22 am
Forum: Personal Finance (Not Investing)
Topic: What are your 2 retirement numbers?
Replies: 260
Views: 24980

Re: What are your 2 retirement numbers?

I note a number of members seem to thing 2 million is not enough to retire , even with Social Security. It is difficult for me to understand how the typical middle class family could not retire in their 60's with 2 million dollars in todays dollars, in addition to social security. Am I an aberration...
by antiqueman
Wed Sep 30, 2015 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Oh The Market
Replies: 18
Views: 2434

Re: Oh The Market

[quote="grabiner"][quote="LAlearning"]Anyone else look at their portfolio and not have anything really out of wack? :oops:[/quote] I have tolerance bands in my asset allocation; I will rebalance if an asset class is off by 5% of my total portfolio value, or a major class (bonds, ...
by antiqueman
Wed Sep 30, 2015 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Can 457 plan ( Deferred Compensatin) be Converted Roth
Replies: 4
Views: 368

Can 457 plan ( Deferred Compensatin) be Converted Roth

I have a deferred compensation plan ( 457 plan).

Can I convert it directly to a Roth and pay the tax. Or do I have to transfer to an IRA and then convert from the IRA to Roth and pay the tax on the IRA. I would rather do just one step and convert directly from the deferred comp. plan.

thanks
by antiqueman
Mon Sep 28, 2015 3:35 pm
Forum: Investing - Theory, News & General
Topic: Products most likely to increase with inflation
Replies: 22
Views: 941

Products most likely to increase with inflation

I have been thinking about what percentage of my portfolio should be in TIPS for 30 years at retirement. While I suppose all things will cost more in 30 years, what are the products that are most likely to increase more than "expected" inflation over a 10 to 15 year period. I think the fol...
by antiqueman
Sat Sep 26, 2015 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Liability Matching/ Advice for Risk Portfolio
Replies: 3
Views: 254

Liability Matching/ Advice for Risk Portfolio

Assume a couple needs 30k a year, after SS and pensions , inflation adjusted for 30 years. Assume couple wants to set up what is referred to as Liability Matching Portfolio. They have 1.2 million investable assets. Couple buys 30 years of TIPS ( I know you cant buy tips for some years between 2020-2...
by antiqueman
Thu Sep 24, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: I feel like going 100% Bonds, but am staying the course
Replies: 85
Views: 7174

Re: I feel like going 100% Bonds, but am staying the course

Riptide---The G fund increase. Every day day after day at that months rate. My wife has all her tsp in it and it's a large amount. I think u should consider making G fund ur major fixed income
by antiqueman
Thu Sep 17, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: It's official No SS COLA [Social Security Cost-of-Living Adjustment]
Replies: 66
Views: 3288

Re: August CPI released; SS COLA unlikely

[quote="cheese_breath"][quote="abuss368"][quote="pshonore"]BLS released the Aug CPI figures today. Right now the three month running average (June,July,Aug) for the CPI-W stands at 233.366 . The benchmark previous year average (July Aug Sept) is 234.170 . Unless next mo...
by antiqueman
Sun Sep 13, 2015 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Help understanding 5/25 Rebalancing
Replies: 2
Views: 249

Help understanding 5/25 Rebalancing

Am I interpreting the 5/25 rebalancing bands correctly. Assume a person has the following: 50% stock and 50% fixed income. Stock is divided 30% US Total Stock Market ( VTI) and 20 percent international stock market ( VXUS) Fixed income is 50 total bond. Using the 5/25 percent rule would I rebalance ...
by antiqueman
Tue Aug 25, 2015 7:02 pm
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 74
Views: 8270

Re: How do you "Stay the Course"?

This round of declines is the first time I have been able to stay the course. I think the reason I can do this, is because my wife and I both have good jobs and we have sufficient CD's , G Fund and Stable Value Fund investments to give us basic living expenses for 15 years. Also reading this forum f...
by antiqueman
Sun Aug 23, 2015 10:24 pm
Forum: Investing - Theory, News & General
Topic: Is there consensus on reinvesting dividends or taking in cash?
Replies: 8
Views: 1006

Re: Is there consensus on reinvesting dividends or taking in cash?

If you are paying fees, you are doing investing wrong. Open an account at Vanguard and trade commission-free ETFs and mutual funds.[/quote]

I cant move it to Vanguard because its a 401k through employer, with Schwab as the custodian.
by antiqueman
Sun Aug 23, 2015 9:38 pm
Forum: Investing - Theory, News & General
Topic: Is there consensus on reinvesting dividends or taking in cash?
Replies: 8
Views: 1006

Is there consensus on reinvesting dividends or taking in cash?

I have read a number of post that say one should reinvest their dividends for "total return" I have read other post, from people on the forum who seem to some of the "leaders" that state they take their dividends in cash and then use the dividends to buy the asset class that need...
by antiqueman
Tue Aug 11, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2390

Re: Architectural Shingles VS Metal Roof

[quote="tomd37"]If roof gets damaged by something falling on it, what is the repair procedure with metal roof? How easy or difficult? Is there a noise factor when it rains on a metal roof? Are you prone to hail in your area in a severe thunderstorm? Will your home insurance cost more with ...
by antiqueman
Tue Aug 11, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2390

Re: Architectural Shingles VS Metal Roof

[quote="EddyB"]What is the relevant climate and exposure? Is $9k a meaningful or trivial percentage of the value of the home?[/quote] Climate is the Southeast. Hot summers and rainy in the winter. Winter temps can get into upper teens and sometimes close to zero. 9k is about 3% of value of...
by antiqueman
Tue Aug 11, 2015 8:52 pm
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2390

Architectural Shingles VS Metal Roof

I am re roofing my house and trying decide if I should use a metal roof or architectural shingles. The metal roof would cost 9k more than the shingles. This is a house I plan to live in until I die. (Lets say I will live 30 years) Which ever I chose will be installed by one of the premier, long esta...
by antiqueman
Sun Aug 09, 2015 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Current CD rates and online banking
Replies: 54
Views: 6256

Re: Current CD rates and online banking

"I personally subscribe more to the Liability Matching Portfolio (LMP) concept that I learned about from William Bernstein's [i]Ages of the Investor[/i] booklet,..." Kevin, do you in your LMP ladder each year with " X" amount of CD's and do you have a separate Portfolio for your ...
by antiqueman
Wed Aug 05, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 74
Views: 7024

Re: Buying a Rolex Watch

I bought a Rolex similar to the one you mentioned in 2004. It has been, and is, a nice watch. However I would not buy it again. It has to be cleaned and serviced every 3 to 4 years at $350.00 to $500.00. Further, now that I am older I don't have the same desire for the watch I did when I was younger...
by antiqueman
Tue Aug 04, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: "A different kind of retirement calculator"
Replies: 32
Views: 4775

Re: "A different kind of retirement calculator"

The bigger question to me is " How can 2 years make that much difference".

I some what understand the sequence of returns, but that seem a very large difference for just 2 years.

Does anyone have an answer of why so much difference?
by antiqueman
Thu Jul 30, 2015 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion 10.31. 2012
Replies: 2
Views: 280

Re: Roth conversion 10.31. 2012

Thanks--Sharpjm
by antiqueman
Thu Jul 30, 2015 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion 10.31. 2012
Replies: 2
Views: 280

Roth conversion 10.31. 2012

I have tried to understand the Roth rules but continue to be confused. While I do not plan to withdraw the Roth soon I would like to know when the five year period is up for a Traditional IRA converted to a Roth IRA on 10/31/2012. Is the five year's up on Jan. 1 2017 or October 31, 2017. Or neither?...
by antiqueman
Tue Jul 28, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Handling Medical Expenses in Retirement
Replies: 18
Views: 1484

Handling Medical Expenses in Retirement

For those in retirement how do you handle medical bills that aren't covered by insurance or medicare. While working my wife and I defer X amount a year through our employer. We use a credit card for the medical expenses for those expense the insurance doesn't pay. We charge it on the credit card and...
by antiqueman
Sat Jul 25, 2015 8:43 am
Forum: Investing - Theory, News & General
Topic: 10-Year TIPS Auction July 23 2015
Replies: 29
Views: 2937

Re: 10-Year TIPS Auction July 23 2015

Reference Doc's comments---By dividing the number of bonds you want if there was an immediate auction by the inflation factor of the secondary market bonds do you obtain the same spending amount in todays dollars. In Doc's example if you need to buy 10k (10 bonds) in initial offering but decided to ...
by antiqueman
Wed Jul 22, 2015 5:09 pm
Forum: Investing - Theory, News & General
Topic: 10-Year TIPS Auction July 23 2015
Replies: 29
Views: 2937

Re: 10-Year TIPS Auction July 23 2015

With rates falling this week I don't think we will see coupon of 0.5% on the 10 Year Tips Auction tomorrow.
by antiqueman
Sun Jul 12, 2015 2:48 pm
Forum: Investing - Theory, News & General
Topic: If EU breaks up does that affect International stocks
Replies: 6
Views: 830

If EU breaks up does that affect International stocks

[ALL CAP THREAD SUBJECT CORRECTED BY MOD MEL] If the European Union breaks up will that affect international stocks --LONG TERM. I realize it would probably do so short term, but I assume good companies would continue to produce good products, sales would continue etc. But if one holds VXUS,VEA,etc...
by antiqueman
Sat Jul 04, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 7243

Re: Aren't we obsessing way too much about our portfolios?

Thanks for posting this comment. I pled guilty to the question. It appears that there is no real difference whether one holds 40% equity or 60% equity. Return is basically the same. So why would anyone hold 60% equity instead of 40%. I think I have read a number of comments over the years that it re...
by antiqueman
Tue Jun 30, 2015 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Additional Admiral Shares After Initial Purchase
Replies: 11
Views: 1387

Re: Buying Additional Admiral Shares After Initial Purchase

Since you buy/sell through Schwab, there is no reason that the Vanguard rules apply. It is known that Schwab sometimes has their own rules. I have heard that people use Schwab because it has great customer service and knowledgeable people to help clients. [OT comments removed by admin LadyGeek] For...
by antiqueman
Tue Jun 30, 2015 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Additional Admiral Shares After Initial Purchase
Replies: 11
Views: 1387

Buying Additional Admiral Shares After Initial Purchase

My account is at Schwab. If I buy 10k of Vanguard Total Stock Mutual Fund to purchase Admiral Shares but next month want to purchase 2k of the same stock and three months later want to buy 5k of the same stock, will I be able to purchase the admiral share class of the stock when I only buy 2k and 5k...
by antiqueman
Sat Jun 27, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: What Real Rate Needed for 30 Years
Replies: 3
Views: 794

What Real Rate Needed for 30 Years

What real rate of return is need on a TIPS so money will last 30 years. It seems I recall reading a thread a number of years ago that 1.3 percent real interest rate would be sufficient to sustain 30 years of retirement. I don't understand that argument because if you need 50k a year for 30 year in t...
by antiqueman
Sat Jun 13, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 86
Views: 12253

Why High Equity Allocation in Retirement

It appears to me from reading the forum that the majority of posters believe that it is best to have significant percent of portfolio in equities even in retirement. Recently I have read a number of comments critical of Vanguards Target Retirement Income Fund that only has 30% equities. The criticis...
by antiqueman
Tue Jun 09, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd Balanced and VXUS
Replies: 4
Views: 726

Vangaurd Balanced and VXUS

My question is what do the forum members think about holding VBIAX (Vanguard Balanced Index Fund) and VXUS (Total International) instead of a Target Retirement and /or Lifestrategy Fund. I am concerned about Vanguard changing the make up of the Target and Lifestragety Funds. What you get today with ...
by antiqueman
Tue Jun 09, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Question Concerning Risk Portfolio and Liability Matching Portfolio
Replies: 3
Views: 505

Question Concerning Risk Portfolio and Liability Matching Portfolio

I have established a Liability Matching Portfolio for 25 years. ( Lets not debate if there are problems with just having a 25 year LMP or if one can actually even have a true LMP). With the remaining assets to place in the Risk Portfolio I do not know how to structure the AA. When you are constructi...
by antiqueman
Fri May 29, 2015 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Should only those with limited resources use LMP
Replies: 7
Views: 959

Should only those with limited resources use LMP

I recall in reading a post that at one of the recent Boglehead Conferences that Dr. Bernstein allegedly said that a Liability Matching Portfolio was best situated for those with limited assets . I have not read that in any of his books or articles---or for that matter in any articles discussing LMP ...
by antiqueman
Sat May 09, 2015 8:10 am
Forum: Investing - Theory, News & General
Topic: Good Asset Allocation Article
Replies: 12
Views: 1994

Re: Good Asset Allocation Article

I agree this is an excellent article.

Now I know what I am. A Muppet.
by antiqueman
Wed Mar 18, 2015 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Interest rate hike signaled
Replies: 25
Views: 2748

Re: Interest rate hike signaled

[quote="billyt"]More interestingly, bond funds are also increasing in value in response to the news.[/quote]


Why would bonds go up? Is it because the market thinks rates will not increase in June?


What would bonds go up, if the market thinks rates will be raised this year?
by antiqueman
Wed Mar 18, 2015 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help on Portfolio
Replies: 1
Views: 399

Need Help on Portfolio

I need advice on what substitute(s) I can use for BND ( Vanguard Total Bond Market) in a three fund portfolio. For a number of reasons I do not like Vanguard's Total Bond Market Fund. I have no problem with dividing my equity between VTI and VXUS, but I need one or more bond funds to serve in place ...
by antiqueman
Tue Mar 17, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 244
Views: 30828

Re: Kotlikoff: When Should you Take Social Security?

BOBCAT2 wrote ". People want to claim early because they fear the system is nearly bankrupt and they want to get benefits while the gettin' is good. They see SS as a gamble between themselves and Uncle Sam and they don't want to lose that bet. In this last case framing the issue thru break-even...
by antiqueman
Thu Mar 12, 2015 3:42 pm
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 11295

Re: How much international is too much?

I ran VT ( Vanguard Total World ) through xray at Morningstar. It shows that VT has 51% U. S. market cap to basically 49% international. What are thoughts of holding VT as a compromise to your suggested 70% international. That would have more international than what Vanguard recommends and uses in i...
by antiqueman
Wed Mar 11, 2015 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: When can I withdraw from Roth
Replies: 1
Views: 477

When can I withdraw from Roth

I converted a traditional IRA to Roth in October 2012.

I am over 59.5.

Can I withdraw from the Roth on January 1,2016 or is it January 1, 2017.

Thanks.
by antiqueman
Tue Mar 10, 2015 6:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2679
Views: 532012

Re: U.S. stocks in freefall

Where is LBill who started this thread? It doesn't seem he/she has posted since 2012. Does anyone know what happened?

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