Search found 17717 matches

by dbr
Mon Feb 08, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 101
Views: 5243

Re: Sibling's destination wedding?

Did we ever get a definition of "destination wedding" by the op? Also, 10% of take home for a major family event? Yep, definitely would do it, particularly if I knew further in advance. No, and I'm sorry for choosing to be a little vague. It's hard to know if family (or friends of family)...
by dbr
Mon Feb 08, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Is 20 years long enough
Replies: 4
Views: 632

Re: Is 20 years long enough

Four things: 1. The market is always volatile. It is not more volatile now than before in general. 2. Your investments should be balanced between stocks and bonds. Half in a total market stock fund and half in a total market bond fund would be an example. This tempers risk while also allowing for so...
by dbr
Mon Feb 08, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Moms $
Replies: 8
Views: 636

Re: Moms $

It might be helpful to broaden the view on what you want to accomplish. If the general idea is to help her with some income for the indefinite future an example of a completely different idea is to buy her an SPIA (single premium immediate annuity). That would give up the $50,000 forever in exchange...
by dbr
Mon Feb 08, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 101
Views: 5243

Re: Sibling's destination wedding?

Scotttheking wrote:Did we ever get a definition of "destination wedding" by the op?

Also, 10% of take home for a major family event? Yep, definitely would do it, particularly if I knew further in advance.
by dbr
Sun Feb 07, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 89
Views: 6303

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

..... Also less likely to break (plastic instead of glass), last a long time, no mercury, etc. Okay, now I AM confused. The LED bulbs I bought I thought were made of glass. They sure felt like glass. Are there 2 kinds of LED bulbs - glass and plastic? :? See for example: http://www.geek.com/news/cr...
by dbr
Sun Feb 07, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Enhancing Yield with adjustments to the Total Bond Index
Replies: 21
Views: 1057

Re: Enhancing Yield with adjustments to the Total Bond Index

saltycaper wrote:"Enhancing yield" of a bond fund is just a euphemism for taking more risk. There's no secret formula here.


Which also repeats lack_ey's point that it is just about whether you want that risk added in credit risk or in the equity risk of the portfolio or in some other risk.
by dbr
Sun Feb 07, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: How to calculate annual standard deviation from monthly returns
Replies: 21
Views: 580

Re: How to calculate annual standard deviation from monthly returns

What I don't understand is how to get "Mm" which is defined as the expected value of monthly returns . Why should I care about some "expected value" when dealing with historical data? "Expected" doesn't mean expected. It is stat-speak for average value of monthly retur...
by dbr
Sun Feb 07, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: would like to increase ss payment
Replies: 8
Views: 871

Re: would like to increase ss payment

There is this: http://www.marketwatch.com/story/took-s ... 2012-11-30

I don't know if the file and suspend was not changed recently.

Why not call SS and ask?
by dbr
Sun Feb 07, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 2539

Re: Can a minor child sue former guardians for theft once they turn 18

Get thee to a lawyer. This forum is no place for legal advice.
by dbr
Sun Feb 07, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: is it realistic for me to retire in 15 years?
Replies: 22
Views: 2210

Re: is it realistic for me to retire in 15 years?

It's very sad that your primary objective at 28 seems to be retirement at 40. Disagree. The only benefit of working is getting money. If you have enough money, there's no need for work. This opinion, like yours, is neither here nor there for this conversation, though. I would disagree, the benefits...
by dbr
Sun Feb 07, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: is it realistic for me to retire in 15 years?
Replies: 22
Views: 2210

Re: is it realistic for me to retire in 15 years?

You can certainly retire in fifteen years if you want to. The question to be resolved is whether or not the income you will be able to live on then will be acceptable. There are a lot of models and calculations that can be done to try to predict what that income will be. You will have to immerse you...
by dbr
Sun Feb 07, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 89
Views: 6303

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

I've been buying up incandescent bulbs and have almost five large bins filled with them. I can generally only find 60 watts or less now. They're just sitting in my attic waiting. My wife thinks I'm crazy. I've got a plan. I also have a stash of incandescents in the attic. Most places in my house ha...
by dbr
Sun Feb 07, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Enhancing Yield with adjustments to the Total Bond Index
Replies: 21
Views: 1057

Re: Enhancing Yield with adjustments to the Total Bond Index

I would think if one is going to look at general approaches to risk vs return one would consider the portfolio as a whole rather than "work" bonds in isolation. Perhaps there are some situations where one is thinking only of the bonds one owns. Like if you are retired and must live out of...
by dbr
Sun Feb 07, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging and Re-balancing
Replies: 7
Views: 444

Re: Dollar Cost Averaging and Re-balancing

It has always been recommended that people rebalance "on the fly" by directing new contributions to assets below target. It is not necessary to keep changing contributions around on a monthly basis, but when things are enough out of whack to make sense, contributions can be directed to eve...
by dbr
Sun Feb 07, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Enhancing Yield with adjustments to the Total Bond Index
Replies: 21
Views: 1057

Re: Enhancing Yield with adjustments to the Total Bond Index

I would think if one is going to look at general approaches to risk vs return one would consider the portfolio as a whole rather than "work" bonds in isolation. Perhaps there are some situations where one is thinking only of the bonds one owns.
by dbr
Sat Feb 06, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 89
Views: 6303

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Prices of LEDs are finally dropping dramatically. Concerning the original OP and what the bathroom lighting reveals: that soft yellow, easy on the eyes lighting, is not what your going to look like in the daylight, and to everyone else. Ha ha, sorry.... -- Tet But at night by the soft light of cand...
by dbr
Sat Feb 06, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 89
Views: 6303

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

My impetus to go LED was a single pesky ceiling light that risked life and limb on a ladder to change the bulb, which was happening frequently as that light was in constant use. CFLs are without doubt the crappiest, worst designed, and most undesirable product ever, so that was never a choice. After...
by dbr
Sat Feb 06, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: Stock Allocation in Retirement
Replies: 10
Views: 1060

Re: Stock Allocation in Retirement

Here is a link to a New York Times article: http://www.nytimes.com/2016/02/06/your-money/why-your-portfolio-needs-plenty-of-stocks-whatever-your-age.html?src=me&_r=0 I wonder what other Bogleheads think about the author's opinion. Now that I am 81, I lowered my stock allocation from 25 percent ...
by dbr
Sat Feb 06, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Airllne carry on luggage size: recommendations?
Replies: 24
Views: 1794

Re: Airllne carry on luggage size: recommendations?

Some of the European airlines are notoriously strict about size AND weight limitations, even when flying First or Business Class. Flying home from Vienna a month ago they had someone before security grabbing every one on that airline (maybe it was Austrian Air?), pulling them aside, and weighing an...
by dbr
Sat Feb 06, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Income
Replies: 5
Views: 661

Re: Retirement Income

PS This paper may be helpful:

https://personal.vanguard.com/pdf/s352.pdf

Thanks to mhalley from another thread.
by dbr
Sat Feb 06, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Airllne carry on luggage size: recommendations?
Replies: 24
Views: 1794

Re: Airllne carry on luggage size: recommendations?

For checked luggage I use a large two wheeled back-packable item from Victorinox. Wheels and handles are pretty well recessed it seems to me. I note they have a smaller, I think carry on, version like this: http://www.amazon.com/Victorinox-Luggage-Tourist-Black-Size/dp/B00863HAJ2/ref=sr_1_33?ie=UTF8...
by dbr
Sat Feb 06, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Income
Replies: 5
Views: 661

Re: Retirement Income

Thanks for the reply ...our expenses are only the normal household types. My R.E. taxes are about $500/mo. Neither of us are wildly extravagant and need a huge income stream to live and enjoy our "golden years". You are going to have to put some actual numbers on this to be able to get a ...
by dbr
Sat Feb 06, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Income @ 67 yrs. New to Forum
Replies: 5
Views: 846

Re: Retirement Income @ 67 yrs. New to Forum

Taking out 3% a year from around $400K is very reasonable. That gives you $12K/year which can be increased to pace inflation. Assuming you are talking about investments in taxable accounts you are going to have to list exactly what you have to get meaningful advice. Important information is what fee...
by dbr
Fri Feb 05, 2016 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping track of tax loss harvesting
Replies: 3
Views: 276

Re: Keeping track of tax loss harvesting

As above. Vanguard does not fill out your tax forms for you. You need to keep your tax forms, tax worksheets, etc., specifically the Capital Loss Carryover Worksheet, which is not part of your filed tax return. A good way to keep all this stuff is to use tax software and print out the entirety as a ...
by dbr
Fri Feb 05, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 89
Views: 6303

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Had the same problem. Bought a bunch of cheap energy saving bulbs at Home Depot and everything looks horrible. But the worst part of it is the lights take about 5 minutes to really turn on. When you hit the switch it's almost like nothing has happened. They verrrry slowly become brighter. Thought a...
by dbr
Fri Feb 05, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA Account
Replies: 12
Views: 505

Re: UTMA Account

Over at Fairmark.com there is a sampling of postings from people dealing with non-cooperative-custodian issues. Things seem to range from simple confusion to outright dastardly behavior.
by dbr
Fri Feb 05, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 89
Views: 6303

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

I don't know if it is still true but there may be a distinction between bulbs designed for enclosed fixtures and those not enclosed.
by dbr
Fri Feb 05, 2016 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA Account
Replies: 12
Views: 505

Re: UTMA Account

A common mistake that many people make is assuming UGMA/UTMA accounts are rigidly controlled. There is model legislation that covers all aspects of the these accounts, but the truth is that there is generally no oversight of the custodian. There is no UGMA/UTMA police enforcing the law. These accou...
by dbr
Fri Feb 05, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: Annuities as an Alternative to Shaky Markets? Not So Fast
Replies: 3
Views: 370

Re: Annuities as an Alternative to Shaky Markets? Not So Fast

Reducing expenses would always be an excellent alternative to trying to raise more income. Note, however, that as a mortgage is paid down the expenses involved decline and more and more of the payment is a question of shifting assets from liquid investments to an illiquid investment. One agrees that...
by dbr
Fri Feb 05, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: New Car - Compact SUV or Sedan
Replies: 36
Views: 2999

Re: New Car - Compact SUV or Sedan

I recently shifted from being a sedan buyer to being a CSUV buyer provoked by the poor external sight lines on current sedans. After that I am sold on the more convenient stepin-stepout height of a CSUV, also not excessively high as in large SUVs. I googled external visibility and got #1 the Forrest...
by dbr
Fri Feb 05, 2016 10:46 am
Forum: Investing - Help with Personal Investments
Topic: TSP doesn't credit dividends & interest?
Replies: 14
Views: 833

Re: TSP doesn't credit dividends & interest?

I think "built in" might be one of the most ambiguous and unhelpful terms people use. I usually take it as an indicator of some kind of scam, but in the case of TSP certainly not.
by dbr
Fri Feb 05, 2016 10:21 am
Forum: Investing - Theory, News & General
Topic: Expense ratio vs return on investment
Replies: 13
Views: 1100

Re: Expense ratio vs return on investment

Hello, All the literature I've been able to access indicates that a fund's return incorporates the fees. In other words, if a fund grows at 4% and has an expense ratio of .5%, the return is listed at 3.5%. If this is true, isn't the expense ratio of a fund irrelevant when searching for a quality in...
by dbr
Fri Feb 05, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: When should you purchase a SPIA?
Replies: 3
Views: 257

Re: When should you purchase a SPIA?

There is a discussion of this question in Jim Otar's book (Available by PDF: http://www.retirementoptimizer.com/ ). That book is long and thorough but definitely worth reading. To cut to the point he essentially says that an SPIA is most needed and effective when a person is on the cusp of needing a...
by dbr
Thu Feb 04, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 89
Views: 6303

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

I bought some dimmable LEDs a few months ago; my only complaint is that they buzz VERY loudly unless the dimmer is turned up to the max. Should not be. Have you checked that you are using a dimmer that is compatible with those bulbs. If it was a pre-existing dimmer there is an excellent chance it i...
by dbr
Thu Feb 04, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: 55 Single Divorced Female Looking To Invest!
Replies: 9
Views: 890

Re: 55 Single Divorced Female Looking To Invest!

Do you have an actual need for all the money ten years from now or do you mean that you expect to retire at age 65? In the latter case the real time horizon for your investing is the rest of your life. It could actually be that you do mean to take all the money and do something else with it ten year...
by dbr
Thu Feb 04, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 89
Views: 6303

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Being a Boglehead, I bought the cheapest LED light bulbs and installed them in our master bath over the mirror over the double sink. I now look like the walking dead. My wife (unaware of the changed bulbs) started putting on more make-up like she was prepping for her viewing at a funeral parlor. I ...
by dbr
Thu Feb 04, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Purchasing Business Class Tickets
Replies: 37
Views: 3263

Re: Purchasing Business Class Tickets

If you're talking US-Europe business class is not a deal I would take, even at 2500/ per. $5000 (or more) buys a week of a heck of a nice hotel stay, with spectacular restaurant meals, even in the most expensive European cities. You could buy frequency flier miles of course, along with maybe some c...
by dbr
Thu Feb 04, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 44
Views: 5541

Re: Recent Vanguard Trouble

I don't care for their web interface. It seems so, oh, 2005ish. There are a lot newer web interfaces out there and Vanguard could do much better. For me this is entirely "who cares". If I receive a trade confirmation from Vanguard, then I expect the dollar amount credited and/or number of...
by dbr
Thu Feb 04, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: New Car - Compact SUV or Sedan
Replies: 36
Views: 2999

Re: New Car - Compact SUV or Sedan

I have a Subaru Forester AWD and a Nissan Frontier 4WD. On snow/ice, AWD cannot make it up my 17% grade (Subaru recommends "no chains"). My 4WD pickup needs chains because of ice below the snow. My answer came in the current issue of Truck Trend Magazine: Get SNOW TIRES! I went one better...
by dbr
Wed Feb 03, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement number calculation
Replies: 6
Views: 1072

Re: Retirement number calculation

Wiggle room, yes. Figure your expenses including capital replacement and then add a few thousand a month to allow for unexpected things. It comes down to your desired lifestyle in retirement, since it costs money to fly to Argentina, for instance... I agree. I would worry less about exactly refinin...
by dbr
Wed Feb 03, 2016 5:13 pm
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4979

Re: "Money in the stock market isn't real money"

To me, money in the stock market isn't "real money." Money in my checking or savings account is real money. But money in stocks (or bonds) has been exchanged for another asset. The value of that asset may go up and down, and I'm free to sell it when I please, but it's not money right now....
by dbr
Wed Feb 03, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4979

Re: "Money in the stock market isn't real money"

To me, money in the stock market isn't "real money." Money in my checking or savings account is real money. But money in stocks (or bonds) has been exchanged for another asset. The value of that asset may go up and down, and I'm free to sell it when I please, but it's not money right now....
by dbr
Wed Feb 03, 2016 4:02 pm
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4979

Re: "Money in the stock market isn't real money"

It is a nonsensical statement in many ways, but the question is what meaningful information is conveyed. Here are a couple of useful ideas I can think of: 1. The value of stocks, measured by the amount of money one can recover by selling one's stocks is variable and not guaranteed. If the point is t...
by dbr
Wed Feb 03, 2016 2:19 pm
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4979

Re: "Money in the stock market isn't real money"

⋅ Store of value (asset) ⋅ Transfer of value (cash flow) While money can be those things, it is not precluded that things that are not money can also be either of those (well, taking the word cash out of value, of course). Lots of things that are not money are a store of wealth ...
by dbr
Wed Feb 03, 2016 10:29 am
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4979

Re: "Money in the stock market isn't real money"

We can also say that the term "money in the stock market" has no meaning or at least that there is no such thing. It could be the title statement is a vacuous truth.
by dbr
Wed Feb 03, 2016 9:24 am
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4979

Re: "Money in the stock market isn't real money"

There are, of course, many other things people invest in that are also not money.
by dbr
Wed Feb 03, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: CPA cost for handling Tax Return - Is this too much?
Replies: 18
Views: 2109

Re: CPA cost for handling Tax Return - Is this too much?

I think it could be reasonable. You may know your return is not overly complex but you are also paying someone to be sure you are right about that. It is also reasonable to conclude that it is worthwhile to do the return oneself stopping to learn about new items. An option is to pay up the one time ...
by dbr
Wed Feb 03, 2016 9:11 am
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4979

Re: "Money in the stock market isn't real money"

Stocks are stocks and not money. I have no idea what the "real" in "real money" might mean. It is true that there are "money" concepts in economics that can get esoteric but I don't think stocks are money is one if them. It might be the helpful statement is to recognize...

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