Search found 48 matches

by dreamrrr
Mon Nov 23, 2020 3:18 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 293
Views: 20135

Re: What is your age and asset allocation ?

Age 65, retired

74% Total US Stock etf
25% Stable Value fund
1% Cash
Pension covers all taxes and living expenses
Currently investing SS in Total US Stock etf
Reinvesting all dividends in Total US Stock etf
by dreamrrr
Fri Jul 10, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1071
Views: 64851

Re: What are you listening to now

Monk's Dream
by dreamrrr
Fri Apr 03, 2020 2:47 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1071
Views: 64851

Re: What are you listening to now

Before social distancing, flash mobs were a thing.
Ode to joy
https://youtu.be/kbJcQYVtZMo
by dreamrrr
Fri Apr 03, 2020 2:19 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1071
Views: 64851

Re: What are you listening to now

The weight https://youtu.be/ph1GU1qQ1zQ Absolutely astounding! Thanks for that. The PFC arrangements always sound so beautiful. I have mixed feelings about R. Robertson, though, knowing how his band mates felt he had treated them. I hear you. Dedicated to Levon Helm. https://youtu.be/4rpRDIKAUnY
by dreamrrr
Fri Apr 03, 2020 12:11 am
Forum: Investing - Theory, News & General
Topic: What is your age/AA during this crisis?
Replies: 138
Views: 6787

Re: What is your age/AA during this crisis?

age 65, single aa before 65% stock/35% stable value aa today 61% stock/39% stable value plan to rebalance back to 65/35 been retired for 6 years, not drawing anything from my portfolio Just curious, some would consider that an aggressive equity position (not judging), is there a pension if you don’...
by dreamrrr
Fri Apr 03, 2020 12:08 am
Forum: Investing - Theory, News & General
Topic: What is your age/AA during this crisis?
Replies: 138
Views: 6787

Re: What is your age/AA during this crisis?

age 65, single aa before 65% stock/35% stable value aa today 61% stock/39% stable value plan to rebalance back to 65/35 been retired for 6 years, not drawing anything from my portfolio Just curious, some would consider that an aggressive equity position (not judging), is there a pension if you don’...
by dreamrrr
Thu Apr 02, 2020 10:33 am
Forum: Investing - Theory, News & General
Topic: What is your age/AA during this crisis?
Replies: 138
Views: 6787

Re: What is your age/AA during this crisis?

age 65, single
aa before 65% stock/35% stable value
aa today 61% stock/39% stable value
plan to rebalance back to 65/35
been retired for 6 years, not drawing anything from my portfolio
by dreamrrr
Wed Feb 19, 2020 10:50 am
Forum: Investing - Theory, News & General
Topic: Would you ever hold enough Fixed Income to cover you until a certain age?
Replies: 55
Views: 3281

Re: Would you ever hold enough Fixed Income to cover you until a certain age?

Yes. I hold a fixed $ amount of fixed income assets that I think will last the rest of my life and beyond. Everything else goes into equities. When the fixed income assets grow beyond the fixed $ amount, I sell some and buy more equities. So I expect to have an upward glide path in equities.
by dreamrrr
Tue Feb 04, 2020 3:47 pm
Forum: Investing - Theory, News & General
Topic: A Simple Test In Your Belief In Market Efficiency
Replies: 228
Views: 11207

Re: A Simple Test In Your Belief In Market Efficiency

I believe the US market is mostly efficient and that's good enough for me. I'm not that familiar with the other ex-US markets.
by dreamrrr
Wed Jan 29, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 200
Views: 20890

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

I don't have it yet on my mobile app but found this on the Fidelity website. https://www.fidelity.com/trading/fractional-shares
Will take some time to roll this out. I will be using this new feature.
by dreamrrr
Tue Jan 14, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1071
Views: 64851

Re: What are you listening to now

At the moment, it is a Baroque piece of classical music. I am located north of Washington D.C and am lucky to pick up, with extreme clarity, both WETA (DC) and WBJC (Baltimore). WETA is more conservative and WBJC is more eclectic. Love them both! Anybody in other parts of the Bogleheads world have ...
by dreamrrr
Sat Jan 11, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1071
Views: 64851

Re: What are you listening to now

also a big fan of > Joey Alexander - Warna
by dreamrrr
Sat Jan 11, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1071
Views: 64851

Re: What are you listening to now

DesertDiva wrote: Sat Jan 11, 2020 12:51 am
dreamrrr wrote: Sat Jan 11, 2020 12:13 am Miles Davis > We Want Miles
Did you know in Canada, he’s called Kilometers Davis?
:D
by dreamrrr
Sat Jan 11, 2020 12:13 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1071
Views: 64851

Re: What are you listening to now

Miles Davis > We Want Miles
by dreamrrr
Tue Dec 31, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 11293

Re: How much were you able to save this year?

Retired
Gross income: $107K
Savings: $57K (53%)
Expenses: $36K (34%)
Taxes: $14K (13%)
by dreamrrr
Sun Dec 29, 2019 11:44 pm
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5959

Re: Has anyone done Whole 30?

Dietary cholesterol has essentially no impact on blood cholesterol levels in more than 60% of the population and very little in most of the rest. Cholesterol issues are primarily genetic and even in that population where dietary cholesterol intake influences serum cholesterol LDL levels (hyperrespo...
by dreamrrr
Sun Dec 29, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5959

Re: Has anyone done Whole 30?

I haven't tried "whole 30" or ever heard of it but it has some similarities to the diet/food restrictions that I adopted. 2 years ago, I had a series of 3 ischemic strokes in a period of 6 days. I lost the use of my left side and my ability to speak. My risk factors that contributed to my...
by dreamrrr
Sun Dec 29, 2019 11:29 pm
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5959

Re: Has anyone done Whole 30?

Sugar, alcohol, processed foods, legumes, dairy, artificial or natural sweeteners, palm/canola/soybean/corn oil, grains, and soy are not allowed. Meat and poultry, seafood, all vegetables (except beans/peas), all fruits, olive/coconut/avocado oils, eggs, black coffee, and tree nuts are allowed. I h...
by dreamrrr
Sun Dec 29, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: House Payoff: Not 'Should I?', but 'Did.' Anything I'm missing?
Replies: 32
Views: 4108

Re: House Payoff: Not 'Should I?', but 'Did.' Anything I'm missing?

Congratulations! Paying off the morgtage before 35 is a great accomplishment. I did this when I was 48 and it was one of my best financial accomplishements. For #1, consider getting an umbrella policy when reviewing your home owners policy. If you don't already have one. For #3, reallocation for me ...
by dreamrrr
Sun Dec 29, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5959

Re: Has anyone done Whole 30?

Sugar, alcohol, processed foods, legumes, dairy, artificial or natural sweeteners, palm/canola/soybean/corn oil, grains, and soy are not allowed. Meat and poultry, seafood, all vegetables (except beans/peas), all fruits, olive/coconut/avocado oils, eggs, black coffee, and tree nuts are allowed. I h...
by dreamrrr
Mon Dec 02, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Best Ways to Help Poor Families at the Holiday Season?
Replies: 43
Views: 3046

Re: Best Ways to Help Poor Families at the Holiday Season?

I buy a gift card from the gocery store for $xxx and give it to the the "poor" family in early December. Having groceries paid for during the holiday season can be a great relief.
by dreamrrr
Sat Nov 30, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you saving for retirement in 2019?
Replies: 82
Views: 5978

Re: How much are you saving for retirement in 2019?

I've been retired for 5 years now but I'm still saving approximately 50%+ of pretax income, which comes out to savings of around $56K this year.
by dreamrrr
Sun Nov 24, 2019 10:30 am
Forum: Personal Investments
Topic: Which funds do YOU have in your taxable account?
Replies: 81
Views: 8088

Re: Which funds do YOU have in your taxable account?

Taxable: 100% ITOT
Asset Allocation: 62% US / 35% Stable Value, 3% Cash
by dreamrrr
Wed Oct 23, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 30267

Re: Do you plan to actually spend down your portfolio?

Many retirement calculators or rules usually assume that a retiree will spend down their money at end of the presumed life. A success is that you have more than zero dollar at the end of your modeling years, be it 30 years or 40 years. Yet we see here again and again statements (from retirees) like...
by dreamrrr
Wed Apr 10, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 10168

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I purchased the 2019 CX-5 Signature model with the 2.5L turbo engine in January. I am very happy with this car. I've driven in snow in the rocky mountains in combined city and highway driving and am getting decent gas milage so far. You can run it with regular or premium fuel, your choice. It handl...
by dreamrrr
Wed Apr 10, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 10168

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I purchased the 2019 CX-5 Signature model with the 2.5L turbo engine in January. I am very happy with this car. I've driven in snow in the rocky mountains in combined city and highway driving and am getting decent gas milage so far. You can run it with regular or premium fuel, your choice. It handle...
by dreamrrr
Thu Jan 31, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 12368

Re: Were you 100% debt free at retirement

Yes, became debt free in 2003 at age 48, retired in 2014 at age 59. Those 11 years with no debt allowed my saving/investments to snow ball. I saved 50% of gross, 70% of take home, during those year. The major expenses post retirement included new furnance, replace all home appliances, new roof and s...
by dreamrrr
Wed Jan 16, 2019 9:48 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 62299

Re: John Bogle is dead at 89

Thank you Jack Bogle. Peace to you and your family.
by dreamrrr
Tue Jan 01, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2001
Views: 486415

Re: Share your net worth progression

2001 $158,563
2002 $191,094
2003 $204,039
2004 $269,122
2005 $318,511
2006 $381,979
2007 $461,929
2008 $510,606
2009 $615,093
2010 $719,125
2011 $816,346
2012 $896,043
2013 $1,007,604
2014 $1,091,028
2015 $1,095,865
2016 $1,148,213
2017 $1,262,862
2018 $1,268,716
by dreamrrr
Sun Sep 09, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 8224

Re: Anyone else playing catch-up in their 40's?

been there. 20's - struggled to save for down payment on a house. bought first house at age 28 with $7000 down payment (10%) 30's - divorced and struggled to keep head above water financially. 40's - started building retirment assets and eliminating debt. debt free at age 48. 50's - saved 70% of tak...
by dreamrrr
Thu Jul 12, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 24427

Re: COMING SOON: BOGLEHEADS PODCASTS

+1 for "Talking Bogleheads" Sounds interesting, I look forward to Talking Bogleheads Perhaps Rick might start a tradition of having each episode automatically generate a follow-up/commentary thread in the forum where the expectation would be that the speaker will participate and respond to...
by dreamrrr
Mon Nov 13, 2017 12:32 pm
Forum: Personal Investments
Topic: How do you project the amount you will have to spend annually in retirement?
Replies: 76
Views: 6015

Re: How do you project the amount you will have to spend annually in retirement?

My formula for projecting the amount I will have to spend annually in retirement is fairly simplistic. I subtract my current age from 101 and then divide my total invested assets by that number. annual amount I can spend = current assets / (101 - my current age) I then combine this with my other inc...
by dreamrrr
Sun Sep 24, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 12391

Re: Age you retired

Retired at age 59. Age 62 now. Started full time working at age 16. 43 years of full time work averaging 50 hours per week. SWR is currently 0%. No planned withdrawals until RMD starts at age 70. Savings rate in retirement = 50% of gross retirement income. Retirement income = pension + ss + dividend...
by dreamrrr
Mon Sep 11, 2017 12:21 am
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 4387

Re: New Mobile Phone number - Now hounded by Collection Agencies

This happened to me. I was receiving harassing phone calls and letters in the mail for a debt that was supposedly owed by someone that no longer lived at my house. I found a form for a generic "cease and desist" letter and I found the name of the corporation that owned the collection agenc...
by dreamrrr
Mon Mar 06, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 263
Views: 42026

Re: How Much in Your Emergency Fund And Is It Used?

When you have kids, I think you feel more obligated to keep an emergency fund.... I keep $100K in my emergency fund. I've had several emergencies that required immediate access to cash. Some have been related to helping my kids. I don't do credit. examples > tooth implants for one son; son's car ca...
by dreamrrr
Fri Feb 17, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Visiting the National Parks
Replies: 29
Views: 3569

Re: Visiting the National Parks

This link gives a suggested route.
http://www.randalolson.com/2016/07/30/t ... road-trip/
Not sure that it hits every park.
by dreamrrr
Thu Feb 16, 2017 12:24 am
Forum: Investing - Theory, News & General
Topic: Two-Fund Portfolio Role Call
Replies: 67
Views: 11588

Re: Two-Fund Portfolio Role Call

36% ITOT
64% Stable value fund offered in my 401K

I've been retired 3 years. I am still saving a portion of my retirement income and investing that in to more ITOT shares so I expect my equity allocation to increase over time.
by dreamrrr
Fri Feb 10, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 6190

Re: mattresses and alcohol (bourbon, scotch, whiskey)

I like to keep it simple. Bushmills on ice. Sleeping on a mattress is optional...
by dreamrrr
Fri Feb 10, 2017 2:22 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 533
Views: 74262

Re: Your USER NAME...what does it mean?

Peculiar_Investor wrote:
dreamrrr wrote:I'm a big dreamer, especially when it comes to my finances and accumulating wealth.
Dream big. Share your dreams.
Are you a Supertramp fan too? If you are not, that's the Crime of the Century. :D
Yes, I'm a big fan. I also like Bob Dylan's Dream and this version by Brian Ferry.
by dreamrrr
Fri Feb 10, 2017 1:46 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 533
Views: 74262

Re: Your USER NAME...what does it mean?

I'm a big dreamer, especially when it comes to my finances and accumulating wealth.
Dream big. Share your dreams.
by dreamrrr
Wed Feb 08, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: Does Micheal Kitces Rising Retirement Glidepath Still have legs
Replies: 47
Views: 6306

Re: Does Micheal Kitces Rising Retirement Glidepath Still have legs

I am planning on an increasing equity glide path. I do not recommend this for anyone else. This approach only applies to my own situation. I retired in 2014. 6 months before retirement, I was 60% in a stable value fund and 40% in cash. No equities. Since I was planning to retire in 6 months and I wa...
by dreamrrr
Fri Nov 13, 2015 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does it matter when you claim Social Security?
Replies: 43
Views: 5815

Re: Does it matter when you claim Social Security?

Actually, my statement above is not entirely correct. I played with Excel for a while, starting SS at five different ages, 62 to 70 in two year increments. I used an age 66 PIA of $1000/month with the benefit at other ages adjusted properly, zero COLA. I computed and plotted monthly growth totals, ...
by dreamrrr
Thu Nov 12, 2015 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does it matter when you claim Social Security?
Replies: 43
Views: 5815

Re: Does it matter when you claim Social Security?

In my case, I don't need SS payments for living expenses. I plan on reinvesting each SS payment in a low cost index etf. So it seems that starting SS payments at age 62 and reinvesting each payment will provide more money over my lifetime vs. waiting until age 66. By waiting, I would lose up to 4 ye...