Search found 363 matches

by antiqueman
Tue Dec 06, 2016 8:44 am
Forum: Investing - Theory, News & General
Topic: When is the five years up for Roth conversion
Replies: 7
Views: 1071

Re: When is the five years up for Roth conversion

[quote="MarkNYC"][quote="antiqueman"]My wife converted her traditional IRA on 12/8/2012. When does the five year wait period expire so that earnings can be withdrawn without penalty? Is it Jan. 1, 2017?[/quote] The 5-year period would end on Jan 1, 2017, after which the conversio...
by antiqueman
Mon Dec 05, 2016 6:15 pm
Forum: Investing - Theory, News & General
Topic: When is the five years up for Roth conversion
Replies: 7
Views: 1071

When is the five years up for Roth conversion

My wife converted her traditional IRA on 12/8/2012.

When does the five year wait period expire so that earnings can be withdrawn without penalty?

Is it Jan. 1, 2017?

Thanks
by antiqueman
Sun Nov 13, 2016 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Will Stable Value Interest Keep up with Inflation
Replies: 3
Views: 676

Will Stable Value Interest Keep up with Inflation

I have a stable value fund available to me. Tits he past few years been paying 2% a year. I have been in the Stable Value Fund about 6 years and the interest rate has kept pace with reported inflation and actually a small percentage above reported inflation. I am considering using the Stable Value f...
by antiqueman
Mon Nov 07, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Monthly Increase By Delaying
Replies: 12
Views: 1467

Re: Social Security Monthly Increase By Delaying

Thank you for the two replies so far. However, I am trying to find out the increase by month, not year. Perhaps the monthly increase is N/12 --whatever the amount is if you wait an entire year divided by 12 and multiplied by how many months you are past 62 but before 63, or past 63 but before 64 etc.
by antiqueman
Mon Nov 07, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Monthly Increase By Delaying
Replies: 12
Views: 1467

Social Security Monthly Increase By Delaying

I have a question that I could not find the answer to on the internet. I am sure its out there but I thought I would try to get an answer here before continuing my search. I assume anyone who has any knowledge of Social Security knows that if you delay taking the benefits till 70 your benefits incre...
by antiqueman
Tue Oct 18, 2016 11:36 am
Forum: Investing - Theory, News & General
Topic: Myopic loss aversion and the equity risk premium puzzle
Replies: 76
Views: 4795

Re: Myopic loss aversion and the equity risk premium puzzle

Thank you Larry. Looking forward to your new book.

Also, thank you for your contributions to the Boglehead forum. I read all your post. It must be very difficult time wise for you to handle your duties for BAM, write the books and provide all of us great information.

Mike
by antiqueman
Sun Oct 16, 2016 7:48 pm
Forum: Investing - Theory, News & General
Topic: Myopic loss aversion and the equity risk premium puzzle
Replies: 76
Views: 4795

Re: Myopic loss aversion and the equity risk premium puzzle

Larry, I am waiting for your new book to be available on Kindle. In the meantime do you still recommend DWUSX instead of a combination of DISVX and DFEVX. I used Morningstar's instant x ray tool and it appears to me that DWUSX has more mid -caps value--not small cap value as the combination of DISVX...
by antiqueman
Wed Oct 12, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: Myopic loss aversion and the equity risk premium puzzle
Replies: 76
Views: 4795

Re: Myopic loss aversion and the equity risk premium puzzle

I'm big believer in the concept if you have won the game (have enough assets to be happy) why are you still playing. I long ago went to a very low beta and high tilt portfolio to allow me to sleep better by cutting tail risks. I also believe doing so helps investors stay discipline during bear mark...
by antiqueman
Mon Oct 03, 2016 2:41 pm
Forum: Investing - Theory, News & General
Topic: Where risk has gone unrewarded
Replies: 8
Views: 1148

Re: Where risk has gone unrewarded

"Some say risk is the possibility of doing badly in bad times, which is not quite the same as volatility."

What does the above statement mean. I see it often here.
by antiqueman
Sun Sep 11, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Volvo & Audi SUV owners step in here
Replies: 26
Views: 2416

Re: Volvo & Audi SUV owners step in here

My wife and I have owned 6 Volvo's over the years. All have been very reliable. My wife drives a 2004 XC 70 . It is all wheel drive. No major problems. I owned a Mercedes Turbo 300 diesel one time. Love the car, but not the repair bills. So when I decided it was time for it to go, at 180k miles, I b...
by antiqueman
Wed Aug 10, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: What does never reblance mean?
Replies: 8
Views: 1430

Re: What does never reblance mean?

Thanks everyone for their response.
by antiqueman
Tue Aug 09, 2016 8:59 pm
Forum: Investing - Theory, News & General
Topic: What does never reblance mean?
Replies: 8
Views: 1430

What does never reblance mean?

I suppose this may be a silly question, but I have read a number post on the forum ( and elsewhere) that one line of thinking is to 'never rebalance" AS I understand this strategy , a person selects an asset allocation and then Never rebalances for the rest of their life. Does this mean that if...
by antiqueman
Mon Aug 01, 2016 11:26 am
Forum: Investing - Theory, News & General
Topic: Looking to the Future: Lo - Merton - Ross - Seigel
Replies: 4
Views: 585

Re: Looking to the Future

Thanks Bobcat for your continued information on LDI investing.
by antiqueman
Tue Jul 12, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: 12 years in VFIAX - time to move on? [Vanguard 500 Index Fund]
Replies: 6
Views: 794

Re: 12 years in VFIAX - time to move on? [Vanguard 500 Index Fund]

In determining your return did you include your dividends the past 10 years?
by antiqueman
Wed Jul 06, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: Mispricing contributes to the Value Premium
Replies: 8
Views: 930

Re: Mispricing contributes to the Value Premium

Thanks ,Larry, for the article . And also thank you for all of your comments and articles you submit weekly. Would you mind commenting briefly on Large Cap Value, both U S and international. Is there a possible "free stop at desert tray" for Large Cap Value as well? If one had significant ...
by antiqueman
Mon Jul 04, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawal strategies for non-rebalancers?
Replies: 20
Views: 1603

Re: Withdrawal strategies for non-rebalancers?

[quote="Peter Foley"]I suggest you read the following: Six Retirement Withdrawal Strategies Evaluated Darrow Kirkpatrick His conclusion is that the following strategy has historically been superior: [quote]CAPE Median Strategy — If the CAPE is greater than its long-term median (a kind of a...
by antiqueman
Wed Jun 29, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Sale of TIPS/But retain some TIPS
Replies: 5
Views: 444

Re: Sale of TIPS/But retain some TIPS

Thank you # Cruncher. Given the small amount I could sell and still keep the 10k of face value I will just hold it all to maturity. I appreciate you answering my question.


Mike
by antiqueman
Wed Jun 29, 2016 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Sale of TIPS/But retain some TIPS
Replies: 5
Views: 444

Re: Sale of TIPS/But retain some TIPS

Bump of thread after editing.
by antiqueman
Wed Jun 29, 2016 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Sale of TIPS/But retain some TIPS
Replies: 5
Views: 444

Sale of TIPS/But retain some TIPS

I will try to ask this question in a way that is not to confusing. I need help on what the effect would be of me selling some of my TIPS. About 8 years ago , before I heard of the Liability Matching Concept, I purchased Treasury Inflation Protected Securities ( TIPS) for a number of years . These we...
by antiqueman
Tue Jun 28, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Please help! Buyer's remorse, need advice
Replies: 104
Views: 11251

Re: Please help! Buyer's remorse, need advice

It appears to me that you are very upset about getting rid of your sedan. My concern would be that you will never be happy with the truck regardless of how long it last and even if it performs well. I would take the truck to CarMax to see what it would pay you for it. It has been my experience that ...
by antiqueman
Mon May 16, 2016 3:45 pm
Forum: Investing - Theory, News & General
Topic: Lesson learned (about Social Secuirty)
Replies: 17
Views: 3221

Re: Lesson learned (about Social Secuirty)

Thanks Mike for your answer.
by antiqueman
Mon May 16, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: Lesson learned (about Social Secuirty)
Replies: 17
Views: 3221

Re: Lesson learned (about Social Secuirty)

[quote="ObliviousInvestor"][quote="pshonore"][quote="ObliviousInvestor"][quote="antiqueman"]Mike, can a person who takes Social Security before 70 suspend anytime. For example could a person who takes SS at 62 but then 60 days later want to suspend their benef...
by antiqueman
Mon May 16, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: Lesson learned (about Social Secuirty)
Replies: 17
Views: 3221

Re: Lesson learned (about Social Secuirty)

[quote="ObliviousInvestor"]Yes, she could have suspended. If she is not yet 70, she could still suspend and collect DRCs (though doing so would turn off your benefit as her spouse, if you happen to be collecting one).[/quote] Mike, can a person who takes Social Security before 70 suspend a...
by antiqueman
Sun May 15, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: 25x income needs or 25x residual living expenses?
Replies: 24
Views: 3826

Re: 25x income needs or 25x residual living expenses?

I don't know if anyone else mentioned it, but shouldn't death of one spouse or the other should be factored in to determine if the other spouse can live off what they get from SS, pension, investments? This is an important point. My retirement income spreadsheet has three calculations -- joint inco...
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: 4477

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: 1231

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: 1231

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: 1468

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: 1468

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: 1468

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: 815

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: 1933

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: 783

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: 3052

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: 1946

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: 8
Views: 1188

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: 35
Views: 3427

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: 35
Views: 3427

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: 1817

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: 7872

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: 2086

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: 87
Views: 14268

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: 2241

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: 5715

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: 4784

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: 29546

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: 2619

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: 445

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: 1125

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: 321

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...

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