Search found 18339 matches

by dbr
Sun May 01, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7219

Re: dividend stocks

I am still in the accumulation phase. The decumulation phase involves very complex issues particularly since my portfolio will likely not be large enough to just harvest the income. I will probably have to take capital gains as well. I think this is a miss-perception. One simply takes withdrawals. ...
by dbr
Sun May 01, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7219

Re: dividend stocks

Nedsaid, if you want to cast your financial transactions as characters, then one character you can cast is your cash flow income. That income can be set to follow any schedule you want it to be by withdrawing any amount from your portfolio at any time. Thus the "reliability" of such withdr...
by dbr
Sun May 01, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1362

Re: anyone with experience with car with frontal collision alert?

Our two cars do not have any of those new alert features. We also do not depend on them, like letting our own guard down. My wife appreciates the rearview camera, because the Camry has a relatively high rear trunk. As I mentioned here before, the only times I ever came close to very bad crashes I g...
by dbr
Sun May 01, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: SWAN: Using absolute dollar amount instead of percentage to manage risk
Replies: 27
Views: 2342

Re: SWAN: Using absolute dollar amount instead of percentage to manage risk

One might rather make sure one has an absolute base amount of income not in either stocks or bonds but rather from pensions and annuities, including Social Security. Given that one has that there should not be a lot of angst about exactly how liquid assets are allocated, at least given a reasonably ...
by dbr
Sun May 01, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 1362

Re: anyone with experience with car with frontal collision alert?

I really like the Eyesight (2015 Outback) both for collision protection and convenience of adaptive cruise control. The backup system warnings are also very helpful. I have not had the car automatically brake to avoid a collision, but I have gotten helpful warnings, mostly in noticing traffic to the...
by dbr
Sun May 01, 2016 10:35 am
Forum: Investing - Help with Personal Investments
Topic: ML self directed option?
Replies: 4
Views: 366

Re: ML self directed option?

We have Merrill Lynch, and I agree their options are expensive. I pay $120/year to do self-direct. ML charges me $49.99 per purchase of mutual funds (much less for stocks, which I don't buy), so I wait until I have at least $5k before I buy my Vanguard funds. This equates to a 1.0% one-time purchas...
by dbr
Sun May 01, 2016 9:45 am
Forum: Investing - Theory, News & General
Topic: Reasonable Firecalc Assumptions and Results?
Replies: 22
Views: 2174

Re: Reasonable Firecalc Assumptions and Results?

I actually think having lots of money left over at death is a bad thing. To me, it means I died young or worked too long. I told the kids to expect to graduate from college debt free and to not have to support their parents. Anything beyond that is gravy. I will look at QLACs that pay out starting ...
by dbr
Sun May 01, 2016 8:40 am
Forum: Investing - Help with Personal Investments
Topic: ML self directed option?
Replies: 4
Views: 366

Re: ML self directed option?

You may be able to buy Vanguard funds or ETFs in that brokerage option, or certainly ETFs and funds of other companies that are low cost. There will be trading costs, but these are less for ETFs, usually, and need to be managed by not making too many trades and trading larger amounts when you trade.
by dbr
Sun May 01, 2016 8:37 am
Forum: Investing - Theory, News & General
Topic: Reasonable Firecalc Assumptions and Results?
Replies: 22
Views: 2174

Re: Reasonable Firecalc Assumptions and Results?

That is a good question that might have some simple answers but more likely reflects the uncertain nature of predicting the future. As to age, you could multiply that 15% chance of failure by a 5% chance of being alive at age 100 (or whatever it is) and get a less than 1% chance of running out of mo...
by dbr
Sun May 01, 2016 8:27 am
Forum: Investing - Theory, News & General
Topic: A Vanguard Target fund deconstructed - pros/cons?
Replies: 33
Views: 2641

Re: A Vanguard Target fund deconstructed - pros/cons?

I would feel much better if my returns were higher....International has been absolutely terrible for 10 years. It becomes hard to justify for so long, and even more so when Vanguard has increased International exposure over the years in the Target funds. Most who invest in the Target 2030-2050 fund...
by dbr
Sun May 01, 2016 8:23 am
Forum: Investing - Help with Personal Investments
Topic: VG - brokerage "upgrade"
Replies: 14
Views: 1626

Re: VG - brokerage "upgrade"

One of the brokers at which I hold investments is making a similar change to the settlement accounts and will use a Federal money market fund. As others are saying this is a different issue from combining the mutual fund and brokerage businesses at Vanguard.
by dbr
Sat Apr 30, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 132
Views: 8887

Re: Is Vanguard phone support always this bad?

Poor customer service is a cost to Vanguard, not a savings. Customers do not stop asking just because their issue wasn't handled in five minutes by the first person they reached. Right. It is hard to imagine how it saves money to handle repeated calls, escalation to additional staff, referrals to I...
by dbr
Sat Apr 30, 2016 9:54 am
Forum: Investing - Theory, News & General
Topic: A Vanguard Target fund deconstructed - pros/cons?
Replies: 33
Views: 2641

Re: A Vanguard Target fund deconstructed - pros/cons?

30% (not 40%) of bonds is allocated to Total International Bond Index fund. Thanks. I just corrected my original post. Why not just follow market weight. Vanguard themselves recommend 20-50%. I'm still learning and I don't even know what market weight means. 20-50% seems like an awfully wide range....
by dbr
Sat Apr 30, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 8770

Re: Are females just not interested in investing in general or is it just the women that I date?

Based on anecdotal experience and for ages much past 26 I find far more men (a lot) than women (none that I have ever met) who think they can play the market and make good on various investment schemes. Women who do pay attention to the issue seem to be more oriented to safety and consulting adviser...
by dbr
Sat Apr 30, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Conflicted about retirement withdrawal strategy
Replies: 11
Views: 2077

Re: Conflicted about retirement withdrawal strategy

Retirees sometimes find themselves with a window between retirement and RMD's where conversion to Roth or an outright withdrawal makes sense. You pretty much have to lay out a plan for that period of time and see what the tax results might be year on year.
by dbr
Sat Apr 30, 2016 8:20 am
Forum: Investing - Theory, News & General
Topic: For those of you who immediately sell employee stock from ESPP…
Replies: 17
Views: 1858

Re: For those of you who immediately sell employee stock from ESPP…

I always viewed this as a small raise in pay and never wanted to speculate in the price of my employer's stock. The general idea is to not be holding a position in that stock. Waiting for stock to come back is part of the two behavioral flaws of loss aversion and market timing. Selling at a loss doe...
by dbr
Fri Apr 29, 2016 6:19 pm
Forum: Investing - Theory, News & General
Topic: A Vanguard Target fund deconstructed - pros/cons?
Replies: 33
Views: 2641

Re: A Vanguard Target fund deconstructed - pros/cons?

You can browse through the forum or attempt to search the forum and find many, many discussions of both "glide paths" for target funds at Vanguard and elsewhere and of advised allocation to international stocks and international bonds. Vanguard has designed these funds to numbers that viol...
by dbr
Fri Apr 29, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding Bond Movement With Interest Rates
Replies: 20
Views: 1368

Re: Understanding Bond Movement With Interest Rates

Keep in mind the NAV of a bond fund is just the value of a share determined by the market price of all the bonds net expenses. There is not someone or something "adjusting" the NAV. To say the NAV is a response might be more accurate or one could even say interest rates are a response to w...
by dbr
Fri Apr 29, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: VG - brokerage "upgrade"
Replies: 14
Views: 1626

Re: VG - brokerage "upgrade"

It was always possible to open a Vanguard brokerage account to buy ETFs, stocks, funds of other companies, etc. It probably actually is helpful to combine the two accounts. Since this amounts to about what has always been the arrangement anywhere else, calling it an upgrade is odd.
by dbr
Fri Apr 29, 2016 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio and Fund Returns
Replies: 4
Views: 295

Re: Expense Ratio and Fund Returns

jld999 wrote:expenses have already been taken out of historical fund returns. don't subtract them again.


Yes, all items of operating expense and income are taken into account before the net value of a share is computed. The ER does not include all such items, however.
by dbr
Fri Apr 29, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: VG - brokerage "upgrade"
Replies: 14
Views: 1626

Re: VG - brokerage "upgrade"

There most definitely is not an upgrade in the sense of there being different levels of benefit or privilege to the investor where you have been moved from an inferior level to a higher one. It is unfortunate for Vanguard to use disingenuous double talk for this conversion.
by dbr
Tue Apr 26, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 51
Views: 2811

Re: Honda Accord or Subaru Legacy

I was struck by the thought that AWD on a low clearance car is a little bit of a contradiction in purpose, but maybe it doesn't work that way.
by dbr
Mon Apr 25, 2016 7:17 pm
Forum: Investing - Theory, News & General
Topic: Economics Math and Differences (from another thread)
Replies: 4
Views: 614

Re: Economics Math and Differences (from another thread)

A new thread I started in another thread: at reply # 87, pg.2: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=189807&start=50#p2882112 I wrote; Re: the talk about differences, relative, or absolute. I think using algebraic expressions, if applicable to the relation, is the way to go....
by dbr
Mon Apr 25, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investment/financial advisor help
Replies: 14
Views: 927

Re: Investment/financial advisor help

I had an advisor look at my 2 401K accounts and 529 plans so I can get a better understanding of where I'm at and where I'm trying to get to Financially. He suggested that I rollover a portion of my old 401k with Fidelity to my existing 401 account and move the majority of it into an American funds...
by dbr
Mon Apr 25, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Sun-Blocking Non-View-Blocking Window System?
Replies: 21
Views: 1545

Re: Sun-Blocking Non-View-Blocking Window System?

I like top down shades because you can get lots of light (top half of the shade open) with lots of privacy (shade covering bottom half.) Also, if the angle of the sun is right, direct sun through the top half of the window is blocked by the roofline so you only need to cover the bottom half of the ...
by dbr
Mon Apr 25, 2016 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Any good Rationale for putting riskier investments in Roth?
Replies: 26
Views: 2177

Re: Any good Rationale for putting riskier investments in Roth?

I am replying to the last person who contributed to this thread for that reason alone -but all the viewpoints have been very helpful and I realize that I ultimately do feel more comfortable with the S&P 500 fund - even if it is a small amount of our portfolio, The emerging market fund seems ris...
by dbr
Sun Apr 24, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7219

Re: dividend stocks

snarly Sad to say but nothing O'leary says is anything more than his opinions, not backed by any evidence or even simple logic consider this absurd statement “Over the last 40 years, 71% of the stock market’s return came from dividends, not capital appreciation,” O’Leary says, reciting the statisti...
by dbr
Sun Apr 24, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7219

Re: dividend stocks

As usual, great advice from the Bogleheads! Thank you. One small thing, when I mentioned the pharmacy, I was mainly talking about the prescription drugs, not so much the store. But I mentioned it, along with insurance, as something solid. This goes along with the utilities, mentioned just above as ...
by dbr
Sun Apr 24, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any good Rationale for putting riskier investments in Roth?
Replies: 26
Views: 2177

Re: Any good Rationale for putting riskier investments in Roth?

Again, it is not "the ETF;" it is that the investment is in emerging markets whether by ETF or MF (mutual fund). So---if I understand you correctly--the risk is that the investment is in emerging markets ( as compared to a fund which tracks the S&P 500).[/quote] Exactly. One might sum...
by dbr
Sun Apr 24, 2016 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Any good Rationale for putting riskier investments in Roth?
Replies: 26
Views: 2177

Re: Any good Rationale for putting riskier investments in Roth?

Thanks to everyone so far. I read the suggested piece on tax-efficient placement suggested by someone in this thread,. And I'm still confused. While I do understand the difference between ETFs and other funds, my sticking point with the Roth is understanding why this ETF would be a potentially bett...
by dbr
Sun Apr 24, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Will Chip + Sign CC work in Europe?
Replies: 27
Views: 2028

Re: Will Chip + Sign CC work in Europe?

We were in the Baltic area last summer. Our chip+sig cc worked everywhere. We did not need to use a kiosk, so cannot address that issue. Of course, when the clerk handed us the receipt to sign, we were identified as Americans..... since Europeans simply punch in their pin. I have the idea American ...
by dbr
Sun Apr 24, 2016 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Any good Rationale for putting riskier investments in Roth?
Replies: 26
Views: 2177

Re: Any good Rationale for putting riskier investments in Roth?

The decision might vary with what plans in total are involved and how much money can be distributed into each. Specifically there is a difference between putting equities in a Roth and bonds in taxable vs equities in a Roth, bonds in a 401K, and equities in taxable.
by dbr
Sun Apr 24, 2016 9:31 am
Forum: Investing - Theory, News & General
Topic: Determine risk tolerance
Replies: 19
Views: 1179

Re: Determine risk tolerance

Another aspect of risk tolerance is that once invested risk tolerance really is a contract to stick to the plan if markets drop. You have to make the commitment. Just understanding that rather than selling in a panic and never coming back is the essence.
by dbr
Sun Apr 24, 2016 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Me vs. Vanguard
Replies: 24
Views: 3837

Re: Me vs. Vanguard

The more you ask for opinions the more opinions you will get. Professional opinion makers like Vanguard are under pressure to come up with seemingly sophisticated opinions to justify their existence. They also have tools that generate accurate sounding outcomes that really are not accurate at all. A...
by dbr
Sun Apr 24, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 45
Views: 2352

Re: Thinking about Mac (vs Windows)

I have had a plethora of both Windows and Mac machines in my daily life since the beginning, and some other things as well. Every single one of them has presented something cool and helpful and other things excruciatingly annoying at every turn. The technology industry has truly sold us a bill of go...
by dbr
Sun Apr 24, 2016 9:05 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard's "Active" TIPS fund necessary?
Replies: 24
Views: 1026

Re: Is Vanguard's "Active" TIPS fund necessary?

Of course VAIPX has a 0.10% ER but with a $50,000 min. I don't think it would ever make much sense to put small fractions of an allocation into TIPS and for an older investor with a larger portfolio and wanting a meaningful proportion in TIPS VAIPX would be the fund anyway. One can also use other TI...
by dbr
Sun Apr 24, 2016 8:50 am
Forum: Investing - Theory, News & General
Topic: Did TIPS Really work?
Replies: 41
Views: 3307

Re: Did TIPS Really work?

With the long duration of the Intermediate TIPS fund, I am curious how this investment will react in a rate increase environment. I would challenge this. I have taken Vanguard's portfolio and calculated its duration. I get Vanguard's Macaulay duration (time weighed) of 8 years when I assume that th...
by dbr
Sat Apr 23, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA, Florida: Custodian In Control Past Termination Date?
Replies: 41
Views: 1472

Re: UTMA, Florida: Custodian In Control Past Termination Date?

FWIW, I had a UGMA account for my son and we are Florida residents. The UGMA technically terminated at age 18 but I continued it on and paid for his college education from it until is was exhausted. I also filed tax returns for him annually as required. Gill I am in this business (in Virginia) - If...
by dbr
Sat Apr 23, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Will Chip + Sign CC work in Europe?
Replies: 27
Views: 2028

Re: Will Chip + Sign CC work in Europe?

Sure, they work fine mostly.

If you want a comprehensive discussion read here -- start with the wiki:

http://www.flyertalk.com/forum/credit-c ... ature.html
by dbr
Sat Apr 23, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Sun-Blocking Non-View-Blocking Window System?
Replies: 21
Views: 1545

Re: Sun-Blocking Non-View-Blocking Window System?

This is a tricky problem with a lot of physics going on across the various approaches. I used to be very familiar with some of the options but that is long out of date. However, I would suggest that the most effective approaches are to shade the house using trees or exterior structures (awnings or o...
by dbr
Sat Apr 23, 2016 1:15 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 136
Views: 7219

Re: dividend stocks

There is a semantic issue here of talking on the one hand about what kind of income things are and talking on the other hand about what tax rates apply to that income. There are dividends and there is ordinary income. There are ordinary dividends and there are qualified dividends. Ordinary dividends...
by dbr
Sat Apr 23, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: "Profits in Finance"
Replies: 4
Views: 712

Re: "Profits in Finance"

Honestly, before finding out about Bogleheadism, I also thought higher ER -> better. I mean, if they're charging more then it has to be worth it, right? They must be beating the average market performance. After all, these finance people are professionals. How would any other way make sense? And, o...
by dbr
Sat Apr 23, 2016 1:02 pm
Forum: Investing - Theory, News & General
Topic: Did TIPS Really work?
Replies: 41
Views: 3307

Re: Did TIPS Really work?

I've never really understood why the inflation adjustment is taxable. That seems to undermine the usefulness of TIPS. In a highly inflationary period, the adjustment which is supposed to make you whole gets taxed away. It would make more sense to have the principal increase due to inflation be tax ...
by dbr
Sat Apr 23, 2016 11:40 am
Forum: Investing - Theory, News & General
Topic: Did TIPS Really work?
Replies: 41
Views: 3307

Re: Did TIPS Really work?

The big problem is that asset classes don't have to match investor expectations, they often act in ways that investors don't expect. For example, during the 2008-2009 financial crisis, TIPS were amazingly volatile for "safe" bonds. I for one did not expect that. I remember a period where ...
by dbr
Sat Apr 23, 2016 11:34 am
Forum: Investing - Theory, News & General
Topic: Did TIPS Really work?
Replies: 41
Views: 3307

Re: Did TIPS Really work?

I've never really understood why the inflation adjustment is taxable. That seems to undermine the usefulness of TIPS. In a highly inflationary period, the adjustment which is supposed to make you whole gets taxed away. It would make more sense to have the principal increase due to inflation be tax ...
by dbr
Sat Apr 23, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: UTMA, Florida: Custodian In Control Past Termination Date?
Replies: 41
Views: 1472

Re: UTMA, Florida: Custodian In Control Past Termination Date?

Thank you for your reply. You've brought up aspects we hadn't thought of before. I won't comment on ethics. would you mind giving your opinion on the moral aspect of what we're proposing? you got me intrigued and if you find my proposition immoral, would you also give your opinion on whether you'd ...
by dbr
Sat Apr 23, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Income AMount
Replies: 10
Views: 1623

Re: Retirement Income AMount

Certainly it is possible. The actual answer to your question is to investigate living costs in possible communities and see if the rental rates, costs of food, etc., owning and operating a vehicle all can be added up and stay under that amount in circumstances acceptable to you. The median family ho...
by dbr
Sat Apr 23, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: UTMA, Florida: Custodian In Control Past Termination Date?
Replies: 41
Views: 1472

Re: UTMA, Florida: Custodian In Control Past Termination Date?

Are you asking for legal advice or for an opinion on the morality and ethics of what you propose or for family relationship advice? not asking for legal advice per se, but yes asking if it is possible to not disclose the existence of the account until later on and still not get in trouble with the ...
by dbr
Sat Apr 23, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: Is Coffeehouse Portfolio Not Preferred by BHs?
Replies: 54
Views: 5328

Re: Is Coffeehouse Portfolio Not Preferred by BHs?

It might be the reaction is not so much "not preferred" as "meh." I find "menu investing" to be distasteful and not an example of a thoughtful approach to deciding on a portfolio. I suspect many of these examples are published to supply content to a book and are intende...
by dbr
Sat Apr 23, 2016 10:29 am
Forum: Investing - Theory, News & General
Topic: mixing stocks in 3 fund portfolio
Replies: 12
Views: 746

Re: mixing stocks in 3 fund portfolio

The funds you propose are also solid long term investments. The argument there is off base. However, individual stocks one at a time are more risky for the return they promise than a diversified holding of stocks. Ten stocks is better than 40% in one stock, but it is not the diversity offered by lar...

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