Search found 339 matches

by antiqueman
Mon Apr 11, 2016 12:42 pm
Forum: Investing - Theory, News & General
Topic: Annuities and longevity risk, analyzing the problem
Replies: 45
Views: 3703

Re: Annuities and longevity risk, analyzing the problem

If one elected to use up to $125,000.00 as RMD, does the IRS allow the beneficiary of the IRA/401k to purchase a joint annuity with spouse for protection of spouse, or must the annuity purchased with the$125,000.00 RMD money be limited to a single deferred annuity for the benefit of the owner of the...
by antiqueman
Sat Apr 09, 2016 9:09 pm
Forum: Investing - Theory, News & General
Topic: What percetage of Small Cap Value would approximate 50% total stock market
Replies: 11
Views: 1104

Re: What percetage of Small Cap Value would approximate 50% total stock market

Nisipruis, thank you so much for helping me on this question. There have been several threads that have attempted to answer questions similar to the one I posed but the answers seemed to be educated guesses. I think your post is the FIRST to actually give the percentages and how you arrived at them....
by antiqueman
Sat Apr 09, 2016 7:31 pm
Forum: Investing - Theory, News & General
Topic: What percetage of Small Cap Value would approximate 50% total stock market
Replies: 11
Views: 1104

What percetage of Small Cap Value would approximate 50% total stock market

For those of you who believe that small cap value stocks, (including US, International and Emerging ) may cut the left tail risk of a 50% equity portfolio what percentage of small cap value would you hold? If one established a "Larry Portfolio" that was previous 30% Vanguard Total Stock Ma...
by antiqueman
Wed Apr 06, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why did my expected S. S. Benefits Only Increase a Dollar
Replies: 11
Views: 1340

Re: Why did my expected S. S. Benefits Only Increase a Dollar

I am the original poster. Thank you to all who responded. I knew that my past relative high wages would affect my SS benefits, but anticipated since I have about 47 years paid into SS ( First payment to SS was 1969 ) that my benefits would increase more than a few dollars a year. I will be 62 later ...
by antiqueman
Tue Apr 05, 2016 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why did my expected S. S. Benefits Only Increase a Dollar
Replies: 11
Views: 1340

Re: Why did my expected S. S. Benefits Only Increase a Dollar

I am OP. I am 62. I have over 40 years paying into SD
by antiqueman
Tue Apr 05, 2016 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Why did my expected S. S. Benefits Only Increase a Dollar
Replies: 11
Views: 1340

Why did my expected S. S. Benefits Only Increase a Dollar

I checked my expected Social Security Benefits in February. The SS website only showed that $3300.00 of my income from a job had been posted. ( I am doing three jobs). My estimated benefit as 66 was $2666.00 per month assuming I continue to work and make same salary to 66. I checked the SS benefits ...
by antiqueman
Sat Mar 19, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: How long to plan for sequence of return risk?
Replies: 8
Views: 694

How long to plan for sequence of return risk?

We read a lot about the "Sequence of Return" risk for those nearing retirement or in retirement. I think most members on this forum agree that the Sequence of Returns in retirement has a significant impact on the likelihood of a person's portfolio lasting through retirement until death. Bu...
by antiqueman
Fri Feb 19, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: Need New Dishwasher.
Replies: 17
Views: 1750

Need New Dishwasher.

My LG ten year old dishwasher is broken. Need to replace it.

I might buy another LG or a Bosch.

Would appreciate the forum members suggestion on what they recommend.

Thanks
by antiqueman
Tue Feb 09, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Medical Monitoring Device for Elderly
Replies: 8
Views: 634

Medical Monitoring Device for Elderly

I need advice from any of you who have used , or currently using, a Medical Monitoring Device. My mother is 81 yoa and lives alone. I need to help her obtain a monitoring device, so if she needs anything she only needs to activate the device. We would also want a device that has fall notification ev...
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: 2504

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: 1642

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: 830

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: 2117

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: 2117

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: 1663

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: 7277

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: 1874

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: 80
Views: 10564

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: 1819

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: 5086

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: 4356

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: 26656

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: 2500

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: 397

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: 982

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: 280

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: 7644

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: 3487

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: 284

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: 8599

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: 1053

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: 1053

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: 2538

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: 2538

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: 2538

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: 6517

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: 7379

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: 4876

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: 307

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: 307

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: 1544

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: 3032

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: 3032

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: 865

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: 7469

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: 1445

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: 1445

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: 826

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: 12748

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: 748

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 ...

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