Search found 2509 matches

by heyyou
Sat Jan 14, 2017 12:13 am
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 43
Views: 2418

Re: Trip to Kona, Hawaii - Suggestions

Things to eat while you are in Hawaii, land of "food", island style. Loco Moco at Cafe 100 (ask for brown rice to slow the starch buzz, consider adding soy sauce, ketchup, maybe chili water) 969 Kilauea Ave. in Hilo http://cafe100.com/the-loco-moco/ Some of the enjoyment is the outdoor di...
by heyyou
Fri Jan 13, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: Sectors and bubbles
Replies: 6
Views: 329

Re: Sectors and bubbles

No one knows the future. Sometimes the advisor's method will outperform, sometimes not, but his fee is constant. Note that the advisor isn't asking for a just a portion of his gains from managing your assets. When someone has you taking all of the risks while they get the steady income, that is not ...
by heyyou
Thu Jan 12, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Investing only after a market correction
Replies: 95
Views: 5735

Re: Investing only after a market correction

A decade or two from now, buying a little extra on the drops will not have mattered when compared to steady buying. My worst investments were when my gamble was successful on the first try, so I then thought that I could repeat it with a larger amount of money. These days, my striving for more is ju...
by heyyou
Thu Jan 12, 2017 2:39 am
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 43
Views: 2418

Re: Trip to Kona, Hawaii - Suggestions

Pau restaurant, in the same parking lot as Merriman's, in Waimea/Kamuela, has delicious, well prepared, food at a quarter of the prices next door. Hapuna Beach is famous for good reasons. For tourists, turn into the resort, stopping at the guard gate, then follow the signs past the resort to the pub...
by heyyou
Wed Jan 11, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: 2016 Callan Periodic Table of Investment Returns
Replies: 27
Views: 2803

Re: 2016 Callan Periodic Table of Investment Returns

That chart has been the best learning tool for me, not just the relative return squares, but the return numbers accentuate the variations. I would like to see a computer model done with each square height relative to its % return.
by heyyou
Wed Jan 11, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 130
Views: 12943

Re: Best Financial Moves You've Made

Somewhere about age 30, I felt that I had enough income, enough house chosen for its shorter commute, and enough reliable vehicle. I felt satisfied but what was lacking was, enough to retire. I then saved a good fraction and saved pay raises until I retired at 55, into the best years of my life. Abo...
by heyyou
Wed Jan 11, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2509

Re: Anyone else having trouble with unrequested CVS auto-refills?

Similar to CVS, Express Scripts sends a ninety day supply just before the prescription ends, then another 90 day supply when you renew.
by heyyou
Wed Jan 11, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Where Can a Self-Supporting Retiree Move?
Replies: 32
Views: 3433

Re: Where Can a Self-Supporting Retiree Move?

Panama tries to attract retirees by offering them discounts on many goods and services. English is the second language there. Much of the country is tropically warm but the western mountains are higher, cooler, and have an expat enclave. The money in circulation is American currency since they do no...
by heyyou
Mon Jan 09, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: To those with a pension...
Replies: 51
Views: 5312

Re: To those with a pension...

Assume that anyone serious about wanting to retire early is maxing all tax sheltered retirement savings accounts, so my remarks are about taxable savings. A. No, I just kept saving pay raises. In retirement, I'm delaying SS until age 70, using the no-COLA pension income. B. During my working years, ...
by heyyou
Sun Jan 08, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: Q: How to invest in non-PM commodities w/out using futures?
Replies: 2
Views: 200

Q: How to invest in non-PM commodities w/out using futures?

Excluding precious metals, how can individuals have a long position in general commodities without using futures or similar derivatives? In my ignorance, I see little difference in buying grain or oil futures and hoping for a profit, versus buying current inventory and hoping for a profit. You can't...
by heyyou
Fri Jan 06, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Are Commodities Still a Good Portfolio Diversifier?
Replies: 51
Views: 2516

Re: Are Commodities Still a Good Portfolio Diversifier?

When boomers with memories of the 1980s were worried about inflation during upcoming retirements, Wall Street offered Collateralized Commodities Futures (CCF) funds based on a historical period, that has not repeated. When the student is ready, the teacher will appear, but the student may not like t...
by heyyou
Thu Jan 05, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: Why S & P 500 fund is safer than Total Stock Market fund
Replies: 40
Views: 5126

Re: Why S & P 500 fund is safer than Total Stock Market fund

Foreign revenue in a domestic domiciled business does not buffer it from domestic pricing. The America Abroad fund chose stocks from the 500 index that had significant foreign revenues, as an alternative to owning large cap foreign stocks from countries with less stringent accounting rules. The fund...
by heyyou
Tue Jan 03, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 5828

Re: Study on SWR rates for Early Retirement

People seek certainty about the distant future, so some try to supply a semblance of it. Of course, if you spend to fit the worst case, then you have under-spent for the other 95% of the cases. That is some expensive insurance. If you accept the risk of variable retirement income by having most of y...
by heyyou
Tue Jan 03, 2017 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Is it market timing , Greed or Prudence ???
Replies: 10
Views: 1295

Re: Is it market timing , Greed or Prudence ???

In the long run, if you want equity returns, you will have to take those equity risks. Period. There is not a secret short cut to get the returns without the risks. No one likes their portfolio value to fall, but those equity market drops are intrinsic between the market gains. Consider investing 1/...
by heyyou
Tue Jan 03, 2017 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Changing State of Residency to Avoid State Income Taxes
Replies: 24
Views: 2655

Re: Changing State of Residency to Avoid State Income Taxes

But if we still own a rental/vacation home in CA, does that mean CA will still claim our retirement income is taxable in CA? Expect California to challenge your first partial year Cali tax return after you move, when they get around to it. They will not know that you just retired, so your greatly r...
by heyyou
Tue Jan 03, 2017 4:27 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 236
Views: 25073

Re: Whats your number to walk away?

When I walked away in 2005, we were ages 55 and 46, with a $960,000 portfolio, a fixed pension of $41K, inexpensive retiree healthcare, no debt, a paid off retirement house, and living in a LCOL area with about $38K of annual expenses. Currently the portfolio has about the same real value as eleven ...
by heyyou
Mon Jan 02, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: New to the forums and trying to streamline portfolio
Replies: 8
Views: 702

Re: New to the forums and trying to streamline portfolio

On #3 Others will have to speak to whether you fill his and hers Roth IRAs first, or the 401k first, but taxable savings is third. My suggestion is to always limit your spending to max the Roth and the 401k. Saving my pay raises worked well during my work years, but I drove reliable, older cars than...
by heyyou
Mon Jan 02, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: New to the forums and trying to streamline portfolio
Replies: 8
Views: 702

Re: New to the forums and trying to streamline portfolio

On #2 There are no taxes on selling inside a Roth IRA (RIRA), or a 401k or traditional IRA. Your RIRA application opens a RIRA account at Vanguard (VG), then you tell VG from where to pull your Roth assets, and how many shares are in each of your mutual funds stored at Merrill Lynch. Consider that M...
by heyyou
Thu Dec 29, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Can I Count Pension Contributions Before Vesting As Bonds?
Replies: 2
Views: 276

Re: Can I Count Pension Contributions Before Vesting As Bonds?

Yes, if you will continue to count them as bond investments during equity market crashes. I did and it worked well enough to retire at 55.
by heyyou
Thu Dec 29, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Las Vegas Areas and Real Estate
Replies: 12
Views: 1533

Re: Las Vegas Areas and Real Estate

Not a Las Vegas resident, but spent twenty years in Phoenix. Choose a residence within walking distance to a large grocery store that has a bank branch in it. That would be more comfortable for newcomers than having to drive or taxi to and from an unfamiliar area. Men can get haircuts at a women's b...
by heyyou
Wed Dec 28, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Riddle: My income fluctuates with the economy, how do I NOT buy high and sell low?
Replies: 28
Views: 1285

Re: Riddle: My income fluctuates with the economy, how do I NOT buy high and sell low?

how do I NOT buy high and sell low? You will not be selling low in retirement, long term growth is measured in compounded multiples on a logarithmic scale, not in single digit price change percentages. Does it matter now, what the high and low prices were in the 1990s? Don't you wish you had purcha...
by heyyou
Tue Dec 27, 2016 8:00 pm
Forum: Investing - Theory, News & General
Topic: How Much To Tilt To Small Value?
Replies: 153
Views: 15310

Re: How Much To Tilt To Small Value?

In Trev H's classic thread on a 4 fund x 25% each equity allocation, he noted that VG domestic Small Value and VG international Small often had rebalancing opportunities. 14 pages but the first few cover the topic, the rest are just repeatedly answering somewhat similar questions from different post...
by heyyou
Tue Dec 27, 2016 4:09 am
Forum: Investing - Theory, News & General
Topic: List of landmark studies in investing
Replies: 4
Views: 555

Re: List of landmark studies in investing

Journal of Financial Planning had a retrospective issue on some major anniversary. They republished Begen's SWR study.
Boston's University's Center for Retirement Research has done some interesting studies.
by heyyou
Fri Dec 23, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: How has Financial Independence changed your life?
Replies: 55
Views: 6834

Re: How has Financial Independence changed your life?

At FI, I quit work and found what became the best years of my life, including eating healthier, and reduced stress. I could have stayed at work with the long hours for more money, but am so glad that I didn't.
by heyyou
Fri Dec 23, 2016 2:07 pm
Forum: Investing - Theory, News & General
Topic: Optimal rebalancing strategy?
Replies: 7
Views: 514

Re: Optimal rebalancing strategy?

To boost your portfolio balance over time, what is simple but not easy, is to save more. Not what you wanted to hear, but that will work better to boost your portfolio balance than seeking the optimal rebalancing strategy to boost returns. For each historical period, there was an optimal strategy, b...
by heyyou
Thu Dec 22, 2016 4:05 pm
Forum: Investing - Theory, News & General
Topic: The Argument for More Stocks in Retirement
Replies: 166
Views: 12223

Re: The Argument for More Stocks in Retirement

To better illustrate some points, conditions were set. May I pick at some of those? It helps if your necessary expenses in retirement, are mostly covered by more stable income sources which are not part of your more risky investment portfolio. Discretionary spending is taken from those risky investm...
by heyyou
Tue Dec 20, 2016 9:58 pm
Forum: Investing - Theory, News & General
Topic: Hello and a Question about the "4% Rule"
Replies: 55
Views: 4225

Re: Hello and a Question about the "4% Rule"

Perhaps the $20K retiree could re-retire on Jan 1 of the following year, otherwise he will be the richest person in the graveyard. Bengen was the first to do good research on the topic, publishing in 1994. Since then, other methods have been developed that address the various deficiencies in his 4% ...
by heyyou
Sun Dec 18, 2016 10:19 pm
Forum: Investing - Theory, News & General
Topic: leveraging equities with gold
Replies: 5
Views: 663

Re: gold hedging

Due to a decade of poor returns, commodities futures funds now have a quarter of their peak assets while the few remaining customers have far less than half of the value of their original investment. Looks like deja vu from a decade ago, a futures fund being sold with supposedly low risk of loss. P....
by heyyou
Sun Dec 18, 2016 9:34 pm
Forum: Personal Consumer Issues
Topic: Personal fulfillment in retirement
Replies: 35
Views: 4525

Re: Personal fulfillment in retirement

Retired at 55 into the best years of my life. I found volunteer work that suited me. Having the time to do what I wanted, gave me a euphoric sense of freedom. I'm healthier now with better exercise and no stress, living with a sense of gratitude in my life. All of the above were unexpected when I re...
by heyyou
Sun Dec 18, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: SVSPX, -6.83% on Friday?
Replies: 15
Views: 1863

Re: SVSPX, -6.83% on Friday?

About the tax under-payment penalty: The total amount is just the tax you owe but have not paid, plus interest from when the tax was due. The IRS is not a credit card issuer with severe penalty amounts for late payers. I don't know if this applies to your situation, but the safe harbor rule says tha...
by heyyou
Sun Dec 18, 2016 7:50 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5433

Re: What am I missing w/this back-tested asset allocation?

What am I missing w/this back-tested asset allocation? You asked the question, but I do apologize for the tone of my response. Paraphrasing others, you will not get the long term average return, you will get the specific return for your dollar weighted period. Consider how often your research has f...
by heyyou
Sun Dec 18, 2016 4:19 am
Forum: Investing - Theory, News & General
Topic: Investing in the current market?
Replies: 26
Views: 2956

Re: Investing in the current market?

My standard answer, that some are tired of my repeating it by now: Three decades ago, the future looked bad, inflation had been too high for too long so bonds were risky, sabre rattling in Russia, China was a military threat in the Far East, and the Middle East was a mess. Today, inflation is too lo...
by heyyou
Sun Dec 18, 2016 3:15 am
Forum: Investing - Theory, News & General
Topic: What do you think is in more of a bubble right now?
Replies: 57
Views: 6546

Re: What do you think is in more of a bubble right now?

Not the answer that you wanted: My worst investment was making easy money on the first turnover, then investing extra on the next one, expecting a repeat. My advice is that I hope you are wrong at whatever you are trying to forecast correctly, so that you won't pay as much for the lesson that I rece...
by heyyou
Thu Dec 15, 2016 1:28 pm
Forum: Investing - Theory, News & General
Topic: Am I over diversifying?
Replies: 21
Views: 1958

Re: Am I over diversifying?

My opinion on inflation: So far, equities held for two decades have outgrown inflation, with widely varying values over shorter periods. Gold and commodities are band aids used immediately when quick inflation occurs. Some need the band aids and some don't. Go in knowing that if the unexpected highe...
by heyyou
Mon Dec 12, 2016 9:10 pm
Forum: Investing - Theory, News & General
Topic: Why risk slicing and dicing at all
Replies: 52
Views: 4407

Re: Why risk slicing and dicing at all

Each investor is welcome to do what suits him or her.
Since the 2000 Crash, my preference is to tilt away from large growth. The top ten holdings in VTSM comprise 16% of the fund.

I slice and dice my equities in 1/N slices which helps me to stay the course in stock crashes.
by heyyou
Mon Dec 12, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: MMM Lecture at the WD Summit [Mr. Money Mustache]
Replies: 55
Views: 5735

Re: MMM Lecture at the WD Summit [Mr. Money Mustache]

Just some thoughts: Sooner or later, you have to live within your means. When you start, and how you view that life, is very subjective. MMM has monetized reporting on his lifestyle. To him, that is just seizing an opportunity, but it isn't available for others who follow his example too closely. In...
by heyyou
Mon Dec 12, 2016 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Age to Take Social Security: The Ideal and the Reality
Replies: 86
Views: 11983

Re: Age to Take Social Security: The Ideal and the Reality

So far, delayed gratification has paid so well. Maybe this time it won't, but I'm willing to take the risk of waiting. Consider checking an annuity price calculator for your age 70 SS benefit for you and your surviving spouse. Patience is fullness.
by heyyou
Sun Dec 11, 2016 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Do you have a preferred approach to making the max Roth IRA contributions?
Replies: 30
Views: 1511

Re: Do you have a preferred approach to making the max Roth IRA contributions?

Lots of good advice above, and kudos to you for your seeing that you can top off your 2016 contribution before starting your 2017 one. At any time, you can withdraw any/all your previous annual contributions from your Roth IRA (RIRA) but not ever put them back. Your RIRA earnings need to stay in for...
by heyyou
Sun Dec 11, 2016 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Should I remain on the sidelines until the crash? Or invest now?
Replies: 38
Views: 6603

Re: Should I remain on the sidelines until the crash? Or invest now?

There will always be another crash and some recovery in the future, that is just how it goes. That is why stock investing pays more than bond investing or stock speculating, the long term investors have to tolerate those crashes. Some good news is, long term, the whole stock market is worth more lat...
by heyyou
Sat Dec 10, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab retirement quote on 4 mil. Advice??? Can I do better?
Replies: 29
Views: 4581

Re: Schwab retirement quote on 4 mil. Advice??? Can I do better?

TLH: tax loss harvest You have probably done this with your RE (real estate) holdings. When the value of your stock mutual funds drop, you can sell some of one, and buy that amount of a similar one, and claim the loss on your taxes. If your loss claim is more than the allowed annual limit, you can c...
by heyyou
Sat Dec 10, 2016 2:59 pm
Forum: Investing - Theory, News & General
Topic: Do you think Slice and Dice makes it harder to stay the course?
Replies: 40
Views: 2267

Re: Do you think Slice and Dice makes it harder to stay the course?

Being susceptible to many behavioral biases, S&D helps me to stay the course when I can focus on some slice that has a gain when my portfolio value has fallen. I hope everyone finds what suits them, but please don't try to convince others that yours is the only reasonable path for them.
by heyyou
Sat Dec 10, 2016 2:37 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Shiller's S&P 500 data series
Replies: 30
Views: 1869

Re: Alternative to Shiller's S&P 500 data series

We get future returns from markets that are hardly influenced by distant history. As Rod C has noted in his signature, tenths of a percentage are not predictive. Most assuredly, we learn from history, but not at that level of precision, especially in economic history. When it was calculated that the...
by heyyou
Sat Dec 10, 2016 1:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 8765

Re: Boglehead's newest millionaire

You have reached an important benchmark as a saver. Congratulations on your long term accomplishment. Just for fun, consider counting how many times you become the same millionaire. With your account sizes, nominal market fluctuations will be large enough for you to repeatably pass the two comma mar...
by heyyou
Fri Dec 09, 2016 6:17 pm
Forum: Investing - Theory, News & General
Topic: How do you "value" your portfolio for SWR?
Replies: 35
Views: 2437

Re: How do you "value" your portfolio for SWR?

SWR implies the 4% real WD using retirement day asset value, rain or shine.
The fixed percentage of recent portfolio value suits me. I use the RMD % recalculated to include younger ages. We adapt our spending to our income, instead of forcing the WD to adapt to our previous income.
by heyyou
Fri Dec 09, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should you retire early or keep working?
Replies: 28
Views: 3756

Re: Should you retire early or keep working?

Should you retire early or keep working? I know what suited me. Everyone else is responsible for finding what suits them. As is often noted, your mileage may vary. The article is just entertainment. Perhaps the author could next write about a pro sports player whose work is just as unique, far from...
by heyyou
Fri Dec 09, 2016 3:42 pm
Forum: Investing - Theory, News & General
Topic: Which is superior approach: Man (Discretionary) vs. Machine (systematic) Battle
Replies: 14
Views: 1346

Re: Which is superior approach: Man (Discretionary) vs. Machine (systematic) Battle

Due to risk and reward, if investing wasn't hard, consider what the returns would be. When we work through known risks, we find the new ones. When bundles of mortgages were historically safe, greed then produced bundles of bad mortgages. When 4% real was determined as a SWR, we encountered unspent s...
by heyyou
Fri Dec 09, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is US stocks going up too fast?
Replies: 21
Views: 2121

Re: Is US stocks going up too fast?

For the next 29 or so years, I'm gna contribute as much as I can to retirement accounts, tick my AA towards the conservative side as the years go by, and hopefully at the right time I've got a decent sized portfolio. In the meantime I'll not worry about the market much...and just keep contributing ...
by heyyou
Thu Dec 08, 2016 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Value / Small Tilters, please weigh in....
Replies: 4
Views: 721

Re: Value / Small Tilters, please weigh in....

Saving more from each paycheck is a surer way to a bigger nest egg than trying to boost the highly variable returns of your equity funds.

I do tilt to small and value to reduce my exposure to Large Growth stocks.
by heyyou
Thu Dec 08, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 306
Views: 28576

Re: Flaunt Your High-Mileage Car

1993 Toyota truck with 185,000 on the odometer bought in 2015.
1996 Toyota RAV4 with 212,000, bought in 2007 at 110,000 miles.
2008 Toyota Prius with 135,000, bought in 2014, at 100,000.
So far, they have all been good.
by heyyou
Thu Dec 08, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation protection for retiree portfolio
Replies: 24
Views: 2259

Re: Inflation protection for retiree portfolio

by earlyout » Wed Dec 07, 2016 6:31 pm Don't overlook equities as part of your plan for inflation protection. Inflation protection is one of the main reasons for a retiree to keep equities as part of their asset allocation. Well said. There will always be risks. Consider accepting that, instead of ...

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