Search found 129 matches

by kathyauburn
Sat Jun 10, 2017 4:51 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your Savings?
Replies: 24
Views: 3235

Re: Where do you keep your Savings?

I keep a few different online bank accounts. 1 for Emergency Fund 1 for Car Savings 1 for Vacation Savings 1 for Expected large annual expenses such as insurance premiums I feel that this leads to an extra $20-30k that could be invested throughout the year. Does anyone have a similar situation? Tha...
by kathyauburn
Sat Jun 10, 2017 4:46 am
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4233

Re: (Very) Early Retirement vs Parenthood

Ditch the kids. There are more than enough people in the world.
by kathyauburn
Fri Jun 09, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36263

Re: Regret early retirement/downsizing

I am not there yet. My fear is that I like seeing my assets go up every month. I am not sure I am ready to see them stay stagnant or go down. So I am still working. I'm less than 6 years away and I wonder about this too. I get a lot of satisfaction seeing assets go up over time and don't know how I...
by kathyauburn
Fri Jun 09, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 80
Views: 10372

Re: I spend 6.1% of my Gross income on rent

I'm at 5.5%, but I own. The 5.5 is all condo fee. Includes everything. However, in retirement, I will not mind spending 33% on rent in Europe because the safety net is, well, safer there. In the U.S., I've always felt that I needed a bigger buffer because job loss can lead to health insurance loss o...
by kathyauburn
Fri Jun 09, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 72
Views: 7142

Re: Meeting with retirement guru, specializes in federal govt employees

You probably know this, but do not ever let someone talk you into leaving the TSP. It's the best thing going. G fund alone is worth staying in for. It's the single best thing I've gotten out of working for the Feds. I moved all of my previous retirement accounts INTO it.
by kathyauburn
Fri Jun 09, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36263

Re: Regret early retirement/downsizing

One of my retirement gifts was a wooden plaque that just said "Simplify". It sits in a hallway and I pass it many times a day. I've lived that word and have never regretted it. One of the great benefits of this notion is not only the freedom it brings you but also the time it brings you t...
by kathyauburn
Fri Jun 09, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36263

Re: Regret early retirement/downsizing

No regrets! I retired in 2000 at age 53, although I did part time contract work off and on for the next three years. I think it helps to transition rather than going cold turkey. I was a very techie techie with a megacorp, and while the first 25 years had been great the last five the job became les...
by kathyauburn
Fri Jun 09, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1227

Re: Keep money I'll need in the bank? Or account?

Bank money market accounts pay 1%. CDs longer than 1 year pay a bit more. There are no attractive vehicles today for saving money safely. The Federal G fund pays a bit more than 2%, but you have to be a Fed to get that.
by kathyauburn
Fri Jun 09, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Pay off debts or Invest?
Replies: 44
Views: 2582

Re: Pay off debts or Invest?

Debts.
by kathyauburn
Fri Jun 09, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6816

Re: 100% Stock Portfolio?

rattlenap wrote:are unafraid of the volatility in the stock market


Has that belief been tested? Did you ride out the 2008 50% market decline while adding to your portfolio rather than selling?
by kathyauburn
Fri Jun 09, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1227

Re: Keep money Ill need in the bank? Or account?

sport wrote:I would not put any money in the stock market if I might need it within 10 years.


Agree.
by kathyauburn
Mon May 15, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Safe, low volatility ETFs with monthly dividend payout
Replies: 14
Views: 784

Re: Safe, low volatility ETFs with monthly dividend payout

avalpert wrote:What are you trying to accomplish?


Monthly income. Stability of principal.
by kathyauburn
Mon May 15, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Safe, low volatility ETFs with monthly dividend payout
Replies: 14
Views: 784

Re: Safe, low volatility ETFs with monthly dividend payout

Can anyone recommend one or more safe, low volatility ETFs with monthly dividend payouts? Thanks. I don't know what your definition of "low volatility" covers. Short term bond funds (above) have the lowest volatility but the lowest dividends. An Intermediate bond fund will pay out more, b...
by kathyauburn
Mon May 15, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Safe, low volatility ETFs with monthly dividend payout
Replies: 14
Views: 784

Re: Safe, low volatility ETFs with monthly dividend payout

There aren't any actual money market ETFs because share price is determined by the market anyway, no matter how stable the NAV, and you might have it moving a penny. So that structure isn't offered. Without understanding the reasoning and motivation it's hard to say but here are a few levels of rel...
by kathyauburn
Mon May 15, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Safe, low volatility ETFs with monthly dividend payout
Replies: 14
Views: 784

Re: Safe, low volatility ETFs with monthly dividend payout

Clever_Username wrote:It sounds like you're looking for a bond fund.

(Edit) Or a money market. Those are low volatile and have monthly payouts.


That might work. Any suggestions?
by kathyauburn
Mon May 15, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Safe, low volatility ETFs with monthly dividend payout
Replies: 14
Views: 784

Safe, low volatility ETFs with monthly dividend payout

Can anyone recommend one or more safe, low volatility ETFs with monthly dividend payouts? Thanks.
by kathyauburn
Sun May 14, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on state employee pension.
Replies: 10
Views: 1231

Re: Thoughts on state employee pension.

Just picked up a county job that has a mandatory 7% towards the pension. It is 10 years to become vested. Problem is I was not using this employment for a career path so I'm not certain I will ever be fully vested. I was pretty thrown off that it was a mandatory state retirement system, so apparent...
by kathyauburn
Sun May 14, 2017 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36263

Re: Regret early retirement/downsizing

Different people are different. If I had had the money, I could have happily retired at age 24. I'm a creative person who can write, make music, pursue publishing and countless other projects. I don't get my energy or motivation from social situations or other people. I don't need or want validation...
by kathyauburn
Sat May 06, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 95
Views: 22488

Re: Capital One 360 New Money Market Account, 1% on over 10k

Got this reply after 3 days from CapOne: We've confirmed that our Money Market Accounts cannot currently be accessed through third party financial tools. Because of this, your Money Market Account details can only be seen through our website. Since this account is hot off the press, we're still wor...
by kathyauburn
Fri Mar 24, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 9169

Re: The $1,124,176 Car.

CyclingDuo wrote:Sorry it didn't work out for you.


I'm not. I love the lessons it taught me. We all know that life lessons are sometimes expensive.
by kathyauburn
Fri Mar 24, 2017 8:07 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 9169

Re: The $1,124,176 Car.

I'd rather be poor with my wife than rich alone. Please. Being unmarried does *not* mean being alone, nor does it mean being lonely. Far from it, in fact, I would argue. Marriage, in my experience, often shrinks rather than expands one's circle. Here's an experiment that I encourage everyone to try...
by kathyauburn
Fri Mar 24, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: AA after reaching your "freedom number"?
Replies: 39
Views: 4302

Re: AA after reaching your "freedom number"?

What are the Bogleheads recommended practices for how to allocate your portfolio once you've reached your "goal" number and wish to stop "working for a living"? For me it's 80 percent G fund (available only to Federal or former Federal employees) and 20 percent stocks. I may con...
by kathyauburn
Fri Mar 24, 2017 7:20 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 9169

Re: The $1,124,176 Car.

This is yet another good thread. It reminds everyone that the three key areas of housing, transportation, and food are the primary drivers of determining if one accumulates wealth or not over the course of their life - at least in terms of LBYM. Get one wrong, you might still end up okay. Get two w...
by kathyauburn
Fri Mar 24, 2017 5:53 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 9169

Re: The $1,124,176 Car.

Bogleheads: One of the easiest ways to save money is buying an inexpensive car. I'll explain: The automobile industry spends billions of dollars each year (General Motors alone spends over $3.4 Billion annually) in their marketing attempts to sell us more car than we need. We forget that a car is p...
by kathyauburn
Wed Mar 22, 2017 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 2994

Re: Long term unemployment planning

I am completely incensed by the unrealistic absurdity of this advice that is being given to Tommy. The way I am reading this is, he has been displaced by someone offshore or someone younger from this skilled job he had for several years. Now he is advised to relocate to some remote country, he know...
by kathyauburn
Wed Mar 22, 2017 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 2994

Re: Long term unemployment planning

rgs92 wrote:Don't forget to set aside enough money for the divorce that often accompanies long term unemployment.


Agree. And say no to marriage in the future, unless you like the State entangled in your personal relationships.
by kathyauburn
Wed Mar 22, 2017 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 2994

Re: Long term unemployment planning

Basically I'm facing the same issue - 57.5 yo, laid off from tech industry, sending resume and getting no reply. In my case I need 3 years to pay off house, 7 years to get Medicaid. So, will do any job that allow me not to touch investments (taxable and not taxable) for the next 7 years and hope th...
by kathyauburn
Tue Mar 21, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Loan for First Time Homebuyer
Replies: 32
Views: 1162

Re: TSP Loan for First Time Homebuyer

A big NO on the TSP loan. Find another way.
by kathyauburn
Tue Mar 21, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to harmonize a TSP and a Vanguard portfolio
Replies: 9
Views: 702

Re: How to harmonize a TSP and a Vanguard portfolio

I would (and did) put everything in the TSP. It's the best retirement vehicle available, IMO, largely because of the low fees--lower than Vanguard--and the G fund, available nowhere else.

Biggest risk is the occasional noise we hear about Congress wanting to raid the G fund in various ways.
by kathyauburn
Tue Mar 21, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 2994

Re: Long term unemployment planning

Basically I'm facing the same issue - 57.5 yo, laid off from tech industry, sending resume and getting no reply. In my case I need 3 years to pay off house, 7 years to get Medicaid. So, will do any job that allow me not to touch investments (taxable and not taxable) for the next 7 years and hope th...
by kathyauburn
Tue Mar 21, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 2994

Re: Long term unemployment planning

. I came back here 25 years ago to make as much money as I could while living like a pauper so that I could return, live and teach part-time. Mission accomplished, so far. If I had it to do over again I would have just stayed in Europe. Oh, well. One has to be careful about inter-country happiness ...
by kathyauburn
Tue Mar 21, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 2994

Re: Long term unemployment planning

I applaud you for thinking about this. Over the course of my life, these are the financial things I have never regretted: 1. living substantially below my means 2. paying off my mortgage, in full, as soon as I could These are the things I have regretted: 1. buying individual stocks 2. not returning...
by kathyauburn
Mon Mar 20, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 2994

Re: Long term unemployment planning

I applaud you for thinking about this. Over the course of my life, these are the financial things I have never regretted: 1. living substantially below my means 2. paying off my mortgage, in full, as soon as I could These are the things I have regretted: 1. buying individual stocks 2. not returning ...
by kathyauburn
Mon Mar 20, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

Re: It's worth remembering that bull markets don't last forever

If you are comfortable and happy with a 2.74% SWR ($19.2K initial withdrawal from $700K) that - great, but I'd bin that as a savings and retirement income plan failure starting on day one of retirement. I wouldn't have to worry about being killed by the stress of equity volatility because when I to...
by kathyauburn
Mon Mar 20, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

Re: It's worth remembering that bull markets don't last forever

In the middle of the 2008 Financial Crisis, Taylor stressed the importance of having a "Plan B." Some people took his post at the time to mean he was panicking even though he clearly stated it didn't apply to his specific financial situation. I used the opportunity to figure out what exac...
by kathyauburn
Mon Mar 20, 2017 3:31 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

Re: It's worth remembering that bull markets don't last forever

knpstr, Why 100% stock or 100% bond is the only choice? 60/40 or 70/30 will work out fine under any circumstances. KlangFool Clearly, it's not the only choice. But we have to ask ourselves, why are we saving money in these accounts we can't easily get to? Is it our retirement fund? Or is it our une...
by kathyauburn
Mon Mar 20, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

Re: It's worth remembering that bull markets don't last forever

when I told my wife our life savings were going to yield $27,400 in annual retirement income per million (before taxes) she would kill me off right then. :mrgreen: LOL. I view retirement as consisting of several income streams. The investment account is one of them. If I had to squeeze my entire re...
by kathyauburn
Mon Mar 20, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

Re: It's worth remembering that bull markets don't last forever

The lesson is that you can't really know how to call it. So the best bet is to decide how much exposure you need and want and manage (re-balance) as necessary to deal with it. I have been re-balancing periodically back to my 40% target on the way up. I do the same on the way down again. I may go cr...
by kathyauburn
Sun Mar 19, 2017 3:18 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

Re: It's worth remembering that bull markets don't last forever

Just as it is worth noting that bull markets don't last forever, it is also worth noting that the longer the bull runs the more optimistic that investors get. When everybody is an optimist, the market runs out of buyers. Don't get caught in the trap of excessive optimism. And times like right now, ...
by kathyauburn
Sun Mar 19, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

Re: It's worth remembering that bull markets don't last forever

I have to imagine it would take [guts --admin LadyGeek] to stick with a 40% stock allocation when the market turns down 40, 50, 60 or more percent. [OT comment removed by admin LadyGeek] Are you kidding? I rode through the last two 50% market crashes with 100% stock. Just kept buying as much as I c...
by kathyauburn
Sun Mar 19, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

Re: It's worth remembering that bull markets don't last forever

The lesson is that you can't really know how to call it. So the best bet is to decide how much exposure you need and want and manage (re-balance) as necessary to deal with it. I have been re-balancing periodically back to my 40% target on the way up. I do the same on the way down again. I may go cr...
by kathyauburn
Sun Mar 19, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

Re: It's worth remembering that bull markets don't last forever

The lesson is that you can't really know how to call it. So the best bet is to decide how much exposure you need and want and manage (re-balance) as necessary to deal with it. I have been re-balancing periodically back to my 40% target on the way up. I do the same on the way down again. I may go cr...
by kathyauburn
Sun Mar 19, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 18438

Re: Sitting on cash....Waiting for a crash

if you're kept up late at night worrying about your investments, the money you save will be spent on antacids and sleep aids and treating your ulcer. Get your mix of money to a place, either long term or tactically, where you can sleep easy. cheers! jwf Right on. Many investors, however, do not rea...
by kathyauburn
Sun Mar 19, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 18438

Re: Sitting on cash....Waiting for a crash

So should those who are living off of their portfolio have 10 years of expenses allocated to cash? That's what I have. To each his own. But the cash lets me feel like I can ride out a downturn of a decade. I can raise more if I needed to without touching the investment stash. This business of 6 mon...
by kathyauburn
Sun Mar 19, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 18438

Re: Sitting on cash....Waiting for a crash

You're expecting your crash to be three to five years away? If you'd had that mindset three to five years ago, you'd be hating yourself now. But, I am with you in that I expect a large dip (though in the near future, not years away). And, the only move I made was to have my TSP contributions only g...
by kathyauburn
Sun Mar 19, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

Re: It's worth remembering that bull markets don't last forever

The lesson is that you can't really know how to call it. So the best bet is to decide how much exposure you need and want and manage (re-balance) as necessary to deal with it. I have been re-balancing periodically back to my 40% target on the way up. I do the same on the way down again. I may go cr...
by kathyauburn
Sun Mar 19, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7238

It's worth remembering that bull markets don't last forever

Aftermath All the main stock indexes of the future G7 bottomed out between September and December 1974, having lost at least 34% of their value in nominal terms, and 43% in real terms.[1] In all cases, the recovery was a slow process. Although West Germany's market was the fastest to recover, return...
by kathyauburn
Sun Mar 19, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: The "investment return" method of withdrawal
Replies: 37
Views: 1934

Re: The "investment return" method of withdrawal

I think you're going far afield from my specific plan to some general advice re "investing for heirs" and "investing for yourself." My suggestion strikes a middle ground. Your comments suggest there is no middle ground. Put simply, I want to siphon off whatever my investment por...
by kathyauburn
Sat Mar 18, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: The "investment return" method of withdrawal
Replies: 37
Views: 1934

Re: The "investment return" method of withdrawal

OTOH, my goal is not to be among the richest guys in the graveyard. My pension and SS can pay all the bills so the portfolio is for funding travel and toys. It is currently doing so nicely with 5 trips planned for the balance of this year, at a 4% WR. I started very conservatively and have averaged...
by kathyauburn
Sat Mar 18, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: The "investment return" method of withdrawal
Replies: 37
Views: 1934

Re: The "investment return" method of withdrawal

Thank you. I'm not sure how to account for that while maintaining the same level of safety that I have in L income. Note that there's a 74% allocation to the G fund in Income. That may reduce substantially the chance that the portfolio loses value to inflation. "The G Fund's investment objecti...

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