Search found 911 matches

by One Ping
Sun Jul 26, 2020 4:33 pm
Forum: Investing - Theory, News & General
Topic: Managing sequence of returns risk
Replies: 74
Views: 4430

Re: Managing sequence of returns risk

Karsten over at Early Retirement Now has recently (July 15th) posted another SoRR study as part of his ongoing SWR series: When Can We Stop Worrying about Sequence Risk? – SWR Series Part 38 . Some very interesting info in this installment of this everlasting study. :wink: The answer seems to be ......
by One Ping
Fri Jul 24, 2020 8:57 pm
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 135
Views: 12965

Re: What is your game plan as market is reaching its previous all time high?

I do my weekly check on asset allocation to see if my 5/25 rebalance bands have been tripped. Otherwise .... nothing.
by One Ping
Fri Jul 24, 2020 8:54 pm
Forum: Investing - Theory, News & General
Topic: How did you determine risk tolerance?
Replies: 106
Views: 5928

Re: Presidential Elections: How to stay calm?

This. I made a mental note in early March when we started going into the Twilight Zone: I was not going to look at least until 2021. All my investing is automated, no real point for me to look anyway. Ditto. I don't plan to really 'look' until March, maybe July when I do my annual rebalancing check...
by One Ping
Fri Jul 24, 2020 8:51 pm
Forum: Investing - Theory, News & General
Topic: Retirees, share your epiphanies..
Replies: 126
Views: 14866

Re: Retirees, share your epiphanies..

... that my expenses were a lot less than I thought they would be. My wife and I basically hadn't limited our spending in any way and our expenses were about 18% less than I'd expected. Even more interesting, since early March we've been basically locked down due to covid and, while not necessarily ...
by One Ping
Fri Jul 24, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones as a way to survive in a house full of kids
Replies: 40
Views: 2569

Re: Noise cancelling headphones as a way to survive in a house full of kids

MissHavisham wrote:
Fri Jul 24, 2020 8:35 pm
Is it weird that I have a favorite brown noise video? hahah
Yes! :beer :sharebeer
by One Ping
Fri Jul 24, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones as a way to survive in a house full of kids
Replies: 40
Views: 2569

Re: Noise cancelling headphones as a way to survive in a house full of kids

They will not do much. The active noise canceling (ANC) circuitry works best on constant and especially low-frequency sounds like the drone of a jet engine. Not so much on people's voices, ... This!! I remember a trip I was on one time using Bose Quiet Comfort II noise cancelling headphones. They d...
by One Ping
Fri Jul 24, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: Retirement Relocation - Permaculture - Western and Southern Cities
Replies: 49
Views: 3461

Re: Retirement Relocation - Permaculture - Western and Southern Cities

What about SLO (San Luis Obispo)? If I remember correctly, it should have a fairly moderate climate ... being close enough to the coast to avoid some of the extreme(?) heat of the central valleys, but far enough inland to be reasonably warm and dry most of the year.
by One Ping
Sat Jul 18, 2020 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 360
Views: 29131

Re: [Government stimulus payments]

My deceased father received a stimulus check deposit the same time my mother did ... about 4-5 weeks ago. Thanks to the Bogleheads I was able to learn what to do with it and sent back that amount to the required IRS office about 4 weeks ago. However, the check has not cleared yet. Anyone else have ...
by One Ping
Sat Jul 18, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: New RMD Schedule
Replies: 20
Views: 2098

Re: New RMD Schedule

.... if we assume COVID is most fatal to those with existing comorbidities, those who actually survive to take RMDs will paradoxically be, on average, healthier than the pre-COVID cohort. I think the only thing you can say for sure right now is that the survivors are healthier than the ones who don...
by One Ping
Mon Jul 06, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: Excel nested array formula question
Replies: 7
Views: 837

Re: Excel nested array formula question

I'm using Excel to build a crude learning tool to help someone who has to be able to list the 50 states from memory (and also spell them correctly) without looking at a map. So the user entry portion has (in B3:B52) just a list of numbers from 1-50 so the user knows when they've entered 50, and in ...
by One Ping
Sun Jul 05, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Filing for Social Security at 70 after spousal benefits
Replies: 20
Views: 1950

Re: Filing for Social Security at 70 after spousal benefits

To collect SS benefits you must be eligible for the entire month . You were born on November 9th, which means that you would first become eligible for benefits on your 62nd birthday. You would not be entitled to a November benefit, as you did not meet one of the eligibility requirements (i.e., bein...
by One Ping
Sat Jul 04, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Filing for Social Security at 70 after spousal benefits
Replies: 20
Views: 1950

Re: Filing for Social Security at 70 after spousal benefits

Are you sure I can apply in July? This page says that the earliest one can apply is age 61 and 9 months: "For social security income, the youngest age you can apply is 61 years and nine months old." https://www.investopedia.com/ask/answers/102814/how-soon-do-i-need-start-my-application-social-secur...
by One Ping
Thu Jul 02, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Solar powered Wireless backup camera
Replies: 10
Views: 680

Re: Solar powered Wireless backup camera

I have a solar powered wireless backup camera purchased from Costco 3 or 4 months ago and it has been awesome. The monitor inside the car works by a motion sensor that you wave your hand over and thr screen and camera comes on. It has worked flawlessly so far. The awesome thing is that solar greatl...
by One Ping
Thu Jul 02, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Basic Microphone for Zoom
Replies: 15
Views: 1171

Re: Inexpensive Basic Microphone for Zoom

I use the ATR-2100x for the mic. I've had no complaints.

I use 'standard' wired ear buds for listening. Plug into the mic. I have no complaints.
by One Ping
Thu Jul 02, 2020 9:14 pm
Forum: Personal Investments
Topic: Retirement Planning and Advice
Replies: 9
Views: 1085

Re: Retirement Planning and Advice

Suggestions: 1. Fine-tune your SS strategy using https://opensocialsecurity.com. You may find that this shifts you're thinking from both spouses waiting till 70 to start collecting. WoodSpinner Did just a quick run on opensocialsecurity for you using 1/15/65 and 1/15/1957 for your and her birth dat...
by One Ping
Thu Jul 02, 2020 8:45 pm
Forum: Personal Investments
Topic: Bernstein RLE question
Replies: 6
Views: 674

Re: Bernstein RLE question

I think this is intimately related to Bernstein's concept of a Liability Matched Portfolio. If you put your RLE into an inflation adjusting investment (the Liability Portfolio, LP), then your income streams plus your LP cover your total living expenses. The the remainder of your portfolio (the Risk ...
by One Ping
Thu Jul 02, 2020 8:09 pm
Forum: Investing - Theory, News & General
Topic: Who would buy a Target Fund whose date had passed?
Replies: 17
Views: 1836

Re: Who would buy a Target Fund whose date had passed?

So eventually you'll end up in a 30/70 AA if you do nothing? That seems pretty far into the conservative realm. Particularly if you were in that fund today. Well, for the target retirement date 2045 fund case, the SS 'full retirement' age for that 'retirement' year would be age 67. That moves the 3...
by One Ping
Thu Jul 02, 2020 1:23 pm
Forum: Investing - Theory, News & General
Topic: 4% rule - confidence poll
Replies: 457
Views: 26665

Re: 4% rule - confidence poll

A little math ... cumulative inflation 2000-2020 is about 49% ( US Inflation Calculator ) giving the 2000 retiree a 2020 withdrawal of about $60K, or a current withdrawal rate, for a portfolio value of $1,792K, of 3.35% for year. Seems pretty safe for a 10-year time horizon ... but there are no gua...
by One Ping
Thu Jul 02, 2020 12:10 pm
Forum: Investing - Theory, News & General
Topic: 4% rule - confidence poll
Replies: 457
Views: 26665

Re: 4% rule - confidence poll

What was the avg. SWR according to research? Something like 6-7%/year? The 2000 year example shows that you can have a lost decade in your first 10 years of retirement, experience 3 bear markets (2 of them being the 2 worst out of 3 in history) and still get to 30+ years . To be fair, the year 2000...
by One Ping
Thu Jul 02, 2020 10:51 am
Forum: Investing - Theory, News & General
Topic: 4% rule - confidence poll
Replies: 457
Views: 26665

Re: 4% rule - confidence poll

What was the avg. SWR according to research? Something like 6-7%/year? The 2000 year example shows that you can have a lost decade in your first 10 years of retirement, experience 3 bear markets (2 of them being the 2 worst out of 3 in history) and still get to 30+ years . To be fair, the year 2000...
by One Ping
Thu Jul 02, 2020 8:09 am
Forum: Investing - Theory, News & General
Topic: 4% rule - confidence poll
Replies: 457
Views: 26665

Re: 4% rule - confidence poll

What was the avg. SWR according to research? Something like 6-7%/year? The 2000 year example shows that you can have a lost decade in your first 10 years of retirement, experience 3 bear markets (2 of them being the 2 worst out of 3 in history) and still get to 30+ years . To be fair, the year 2000...
by One Ping
Tue Jun 30, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: At what point can you justify a $10k+ flight?
Replies: 75
Views: 4634

Re: At what point can you justify a $10k+ flight?

Air travel is a hassle. Business or first class make it much less of a hassle , but still a hassle. And the flight experience isn't great [...], but it is more tolerable in the front part of the cabin. You can justify a $10k flight when spending $10k doesn’t affect your ability to meet your other n...
by One Ping
Mon Jun 29, 2020 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 16627

Re: What is the best financial decision you ever made?

Several actually ... 1) Investing early on in taxable and TIRAs (when they generally became available) (1982) 2) Maxing 401k when it became available (1984) 2) Marrying someone with a similar financial mindset (1987) 3) Being too busy with work/career to notice my first bear market until it was over...
by One Ping
Mon Jun 29, 2020 5:02 pm
Forum: Investing - Theory, News & General
Topic: Who would buy a Target Fund whose date had passed?
Replies: 17
Views: 1836

Re: Who would buy a Target Fund whose date had passed?

If I understand correctly, at some predetermined point past 2045, VTIVX will be folded into/automatically converted into a Target Income Fund which would keep a very conservative AA. Thanks again - I'm new to this and appreciate everyone's expertise :sharebeer The pre-determined time is the retirem...
by One Ping
Thu Jun 25, 2020 7:28 pm
Forum: Personal Investments
Topic: Is a Financial Advisor ever worth it? Should I just stay ROBO? [FINRA regulated employee]
Replies: 38
Views: 2262

Re: Is a Financial Advisor ever worth it? Should I just stay ROBO? [FINRA regulated employee]

You might consider doing something like this ... 2 Funds for Life ... combining a Target Date Fund and a second fund (SCV in this case). Here is a Boglehead thread on it Paul Merriman 2 Funds for Life Note: Not looking to start a SCV "war", but for someone younger who has the time and resources it c...
by One Ping
Mon Jun 22, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1873

Re: Lexus Key Fob Issue

Boglegrappler wrote:
Sun Jun 21, 2020 9:12 am
I did this once for about a minute, and walla, it worked!
I wonder if this guy was from Voila Voila, WA.
I see what you did there ... :wink:
by One Ping
Sun Jun 21, 2020 1:16 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel on MiB Podcast: 60/40 is risky and more
Replies: 146
Views: 16714

Re: Jeremy Siegel on MiB Podcast: 60/40 is risky and more

Or we can view it graphically. Below shows year over year percent inflation monthly. I expanded the time horizon for some additional context--we see some relatively high inflation in years before and after the mentioned period. https://fred.stlouisfed.org/graph/fredgraph.png?g=s0Ff You will see the...
by One Ping
Sun Jun 21, 2020 11:11 am
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel on MiB Podcast: 60/40 is risky and more
Replies: 146
Views: 16714

Re: Jeremy Siegel on MiB Podcast: 60/40 is risky and more

Leesbro63 wrote:
Sun Jun 21, 2020 8:17 am
What was the inflation 1946-50? I seem to recall some high-inflation years
Here ya go ...
1946 18.1%
1947 8.8%
1948 3.0%
1949 -2.1%
1950 5.9%
Historical Consumer Price Index for All Urban Consumers (CPI-U)
by One Ping
Sun Jun 21, 2020 9:12 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 426
Views: 49410

Re: "Open Social Security" calculator: feature requests, bug reports, etc

As of today, Open Social Security has a new feature. Specifically, the output now includes a color-coded graph that shows the desirability of a bunch of the different filing dates all at once. This is excellent, Mike! Saves having to look at every month to get a sense of how the PV changes over the...
by One Ping
Thu Jun 18, 2020 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 360
Views: 29131

Re: [Government stimulus payments]

My deceased father received a stimulus check deposit the same time my mother did ... about 4-5 weeks ago. Thanks to the Bogleheads I was able to learn what to do with it and sent back that amount to the required IRS office about 4 weeks ago. However, the check has not cleared yet. Anyone else have a...
by One Ping
Tue Jun 16, 2020 6:53 pm
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 151
Views: 7348

Re: What famous investing quote reminds you of your investing style?

"It's better to be approximately right than precisely wrong." I don't remember who said it, but I like it. Found this on Google. "A version of those words came from an 18th century author named Carveth Read in a book on logic and reasoning. The quote is often misappropriated to John Maynard Keynes,...
by One Ping
Tue Jun 16, 2020 6:13 pm
Forum: Investing - Theory, News & General
Topic: Who ever follows the “Top-Ranked” Financial Advisors on the radio?
Replies: 38
Views: 3247

Re: Who ever follows the “Top-Ranked” Financial Advisors on the radio?

You can listen to someone you disagree with without getting "infected." Echo chambers aren't interesting IMO. Yup. I like listening to Don McDonald (money talks?), Meb Faber, DoughRoller, Paul Merriman, Bogleheads (Rick Ferri). Maybe not "top rated" but I find them worthwhile, in a non-echo chamber...
by One Ping
Tue Jun 16, 2020 6:06 pm
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 151
Views: 7348

Re: What famous investing quote reminds you of your investing style?

"It's better to be approximately right than precisely wrong."

I don't remember who said it, but I like it.
by One Ping
Tue Jun 16, 2020 6:01 pm
Forum: Personal Investments
Topic: AA when pension and SS cover expenses? Retirement planning??
Replies: 23
Views: 1621

Re: AA when pension and SS cover expenses? Retirement planning??

Similar here too. All expenses covered by pension + SS. We use a liability matching approach for a specific bequest 'requirement'. The bequest funds are in intermediate treasuries, the rest is in a small cap value tilted, global portfolio. For us this means means a 70/30 equity/fixed income portfolio.
by One Ping
Tue Jun 16, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: Trip to SLC , Utah
Replies: 27
Views: 1980

Re: Trip to SLC , Utah

If you are interested in genealogy you could visit the the Mormon library (not sure of its 'official' name). The have quite an extensive collection of genealogical research data and the last time I was there it was open to the public. It may be closed now due to covid-19. It on the west side of temp...
by One Ping
Fri Jun 12, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: Confusion about the 4% rule
Replies: 91
Views: 4566

Re: Confusion about the 4% rule

stocknoob4111 wrote:
Fri Jun 12, 2020 8:01 pm
But I totally disagree with Wade Pfau's new analysis saying that 2.4% is the new SWR :oops: Wade has been constantly lowering the SWR over the last few years.
It helps with his selling of annuities agenda. :twisted:
by One Ping
Sat Jun 06, 2020 2:22 pm
Forum: Personal Investments
Topic: Retirement income tax rate
Replies: 64
Views: 4034

Re: Retirement income tax rate

Remembering that there is “ no question too simple” how could someone’s income tax rate be HIGHER when they are retired, ie no longer have income from working? Taxable income is, broadly speaking, derived from two components: income and deductions. During your working years you have income (say sal...
by One Ping
Thu Jun 04, 2020 6:53 pm
Forum: Investing - Theory, News & General
Topic: Trev H gets a nice mention on Paul Merriman's podcast
Replies: 2
Views: 466

Re: Trev H gets a nice mention on Paul Merriman's podcast

just heard Paul Merriman's latest podcast and Trev H's 4 fund portfolio was mentioned towards the end: https://paulmerriman.com/qa-part-2-from-choosefi-events-may-2020/ it's on his site as well: 17. I am intrigued by your 4-fund portfolio However, my respectful criticism of that portfolio is that i...
by One Ping
Wed Jun 03, 2020 11:36 pm
Forum: Investing - Theory, News & General
Topic: A visual illustration of "stay the course" - one "stubborn" Boglehead's journey
Replies: 49
Views: 5585

Re: A visual illustration of "stay the course" - one "stubborn" Boglehead's journey

I’m surprised to hear that your folks and in laws are giving you these “tips” to sell. . . . It’s almost like your spouse and in laws know just enough to be dangerous to their portfolios. Reminds me of a quote from Neil deGrasse Tyson: “One of the great challenges in life is knowing enough to think...
by One Ping
Wed Jun 03, 2020 5:48 pm
Forum: Investing - Theory, News & General
Topic: A visual illustration of "stay the course" - one "stubborn" Boglehead's journey
Replies: 49
Views: 5585

Re: A visual illustration of "stay the course" - one "stubborn" Boglehead's journey

livesoft wrote:
Wed Jun 03, 2020 5:32 pm
"FIL calls", I like that
Me, too. ☺

Wonder how long it will take him to get back in ... 🤔
by One Ping
Sat May 30, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 129
Views: 8655

Re: Falcon 9 Launch to the International Space Station

whodidntante wrote:
Sat May 30, 2020 2:11 pm
I've got my celebratory whiskey ready.
I just finished my celebratory scotch. :beer
by One Ping
Sat May 30, 2020 7:56 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 129
Views: 8655

Re: Falcon 9 Launch to the International Space Station

I live in Florida just north of the Space Center, so I just walk across the street to the beach to see the liftoffs. After liftoff, they head north right past me, so i get to see it from liftoff to when they eventually get so high and far away that they look like a star. I've seen so many liftoffs ...
by One Ping
Sat May 30, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 129
Views: 8655

Re: Falcon 9 Launch to the International Space Station

One tenet I follow is "If you want something, ask. They can always say No". My once-in-a-lifetime tour of Mission Control was simply because I asked in a meeting "Can I take a tour of Apollo Mission Control?". The answer was "Sure, it's right next door". Myself and the rest of my group literally ra...
by One Ping
Fri May 29, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 129
Views: 8655

Re: Falcon 9 Launch to the International Space Station

Bump.
3:22 PM EDT, Saturday 30 May 2020.
Spaceflight Now
SpaceX
by One Ping
Fri May 29, 2020 7:47 pm
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 19446

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Who is recommending you completely quit playing the game? And why do some BH seem to paint a picture of people with LMP as skin of the teeth no buffer retirees? Sure you can come up with scenarios that make different types of plans fail but the way I hear LMP and "Won the game" strategies described...
by One Ping
Fri May 29, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 19446

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Who is recommending you completely quit playing the game? And why do some BH seem to paint a picture of people with LMP as skin of the teeth no buffer retirees? Sure you can come up with scenarios that make different types of plans fail but the way I hear LMP and "Won the game" strategies described...
by One Ping
Fri May 29, 2020 6:20 pm
Forum: Forum Issues and Administration
Topic: Political posts
Replies: 9
Views: 1183

Re: Political posts

What is the line between political posts and tax policy posts? Part of portfolio management must include the fact that tax rates will change over time, especially for younger investors. This is intrinsic to the traditional vs. roth question. JMO, but ... If the reason the tax rates change are becau...
by One Ping
Fri May 29, 2020 6:15 pm
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 19446

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Who is recommending you completely quit playing the game? And why do some BH seem to paint a picture of people with LMP as skin of the teeth no buffer retirees? Sure you can come up with scenarios that make different types of plans fail but the way I hear LMP and "Won the game" strategies described...
by One Ping
Thu May 28, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 129
Views: 8655

Re: Falcon 9 Launch to the International Space Station

stuper1 wrote:
Thu May 28, 2020 8:01 pm
Just a note to let everyone know that space launches also happen on the West Coast at Vandenberg Airforce Base ...
Yes. Yes they do. :D

And a much different experience (in a good way) than an east coast launch, in my opinion.
by One Ping
Thu May 28, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for Managing a Parent's Finances?
Replies: 7
Views: 868

Re: Tips for Managing a Parent's Finances?

I'd recommend taking the PoA to her banking institutions and get them processed for you to have PoA access to the account now. This. I was in a similar situation a few years ago and having done this early sure made things easier when later it REALLY was necessary to use it. Also, just because she d...