Search found 167 matches

by Yipee-Ki-O
Wed Jul 15, 2015 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy Portfolios
Replies: 15
Views: 2185

Re: Lazy Portfolios

I would suggest Simba's Spreadsheet for Backtesting (includes TrevH's data). You'll find detailed results for most of the established "Lazy Portfolios" dating from 1985 through 2014.

http://www.bogleheads.org/forum/viewtopic.php?t=2520
by Yipee-Ki-O
Fri Mar 13, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 267
Views: 58402

Re: Do you really need 2.5 million to retire well?

No. Not if your life does not revolve around possessions.
by Yipee-Ki-O
Thu Mar 12, 2015 7:41 pm
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 53
Views: 8387

Re: Proactively replace water heater?

You might be interested in this study from the Insurance Institute for Business and Home Safety: https://www.disastersafety.org/studies-reports/water-heater-failure-risks/ Based on its findings, The rate of failure resulting in a claim begins to dramatically increase for a water heater beginning at ...
by Yipee-Ki-O
Sun Mar 08, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 2608

Re: When you put some credit cards in a drawer and not use t

Discover closed mine after several years of inactivity, possibly because I never even activated the new cards. Oddly enough, now I get offers from them all the time for a new card.
by Yipee-Ki-O
Sat Mar 07, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: anyone use a snow fence?
Replies: 2
Views: 540

Re: anyone use a snow fence?

Or for everything you ever wanted to know about snow fence and more :happy, visit Winter Research Services at the Wyoming Department of Transportation website:

http://www.dot.state.wy.us/home/enginee ... vices.html
by Yipee-Ki-O
Sat Mar 07, 2015 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: anyone use a snow fence?
Replies: 2
Views: 540

Re: anyone use a snow fence?

Snow fence is still common in Wyoming. I think you could use some type of wood lattice fence. Angled would be best (Google "optimal angle for snow fence") but might not be aesthetically pleasing around a home. But even an upright slatted fence will work fine as a snow fence while still being visuall...
by Yipee-Ki-O
Sat Mar 07, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 103067

Re: Mr. Money Mustache: Hero or Foolish?

30 year bond returns will be lower in the next 30 years then in the last 30 years. That is a statement of fact that you can read from the yields. Talking about shorter term bonds is more difficult, but interest rates would have to go up really fast for future bond returns to look anything like the ...
by Yipee-Ki-O
Wed Mar 04, 2015 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: What would you have done differently when retiring?
Replies: 116
Views: 15952

Re: What would you have done differently when retiring?

I would have retired 10 years earlier (40 rather than 50) and I would have let my employer figure out I was gone rather than giving notice.
by Yipee-Ki-O
Thu Feb 26, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 103067

Re: Mr. Money Mustache: Hero or Foolish?

Hero is a word that gets bandied about way too much IMHO but MMM is definitely a Stud in my book. He'd be a Super Stud if he were younger (or preferably I was younger!) and thus I would have happened across his blog earlier in life. Although I retired at 50 I could have easily retired 10 years earli...
by Yipee-Ki-O
Sat Jan 10, 2015 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: An Excellent Article about 4% Withdrawal Rule
Replies: 10
Views: 3595

Re: An Excellent Article about 4% Withdrawal Rule

That article is a not-too subtle plug for low cost funds (which Vanguard happens to have). It does not discuss the myriad issues with using such a rule of thumb, most importantly, is it even valid in this era of lower returns? Withdrawal rate (or strategy if one is not using a constant-dollar schem...
by Yipee-Ki-O
Fri Dec 26, 2014 1:13 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Message To You -- 70 Years Ago.
Replies: 58
Views: 7355

Re: My Christmas Message To You -- 70 Years Ago.

Thank you Mr. Taylor. Both for your service and reminding me of a Christmas night several years ago listening to my late Marine father reminiscing about a Christmas of his decades ago in Guadalcanal.
by Yipee-Ki-O
Sun Mar 23, 2014 10:55 pm
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 15685

Re: Poll: When did you retire? Would you do it all over agai

Age 50. I would have retired earlier if I could have.
by Yipee-Ki-O
Tue Mar 04, 2014 2:20 am
Forum: Personal Consumer Issues
Topic: Negotiating with a contractor?
Replies: 12
Views: 1454

Re: Negotiating with a contractor?

Thanks again. The contractor I talked with is located next to a building supply source catering to the construction/design trade (not open to the general public) and the gentlemen who helped me select my flooring took me next door and introduced me to the him. I was comfortable with him and think hi...
by Yipee-Ki-O
Mon Mar 03, 2014 1:27 pm
Forum: Personal Consumer Issues
Topic: Negotiating with a contractor?
Replies: 12
Views: 1454

Re: Negotiating with a contractor?

Thanks all. I think I need to get a couple of more bids first rather than trying to beat this guy up on price. And I see a couple of things on the list such as a fee for final general clean-up and perhaps I could do some of the demolition myself. I guess partly it's just a matter of accepting that c...
by Yipee-Ki-O
Mon Mar 03, 2014 2:04 am
Forum: Personal Consumer Issues
Topic: Negotiating with a contractor?
Replies: 12
Views: 1454

Negotiating with a contractor?

I've had a contractor prepare a proposal for me to do some (relatively minor) remodeling of my small condo in Las Vegas. Among the items included are removal of carpet and tile, demolition of short sections of non-load bearing wall and a mantle/fireplace insert and drywall repair at those locations,...
by Yipee-Ki-O
Wed Jan 15, 2014 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex Cardholders: Autopay the Bill?
Replies: 31
Views: 4749

Re: Fidelity 2% Amex Cardholders: Autopay the Bill?

<snip> On the note of autopay, do people tend to just leave enough cash in a checking account for it to withdraw however much it needs to? I've set things up to pay bills from my checking account scheduled on the 1st of each month, so I transfer in the money needed to cover those bills just before....
by Yipee-Ki-O
Sat Dec 28, 2013 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Income Tax Planning Strategies
Replies: 64
Views: 11559

Re: ACA Income Tax Planning Strategies

Assuming this is true (and it makes sense to me), it may be that ACA unleash's a host of knock-on effects. This thread is another example. I wonder how many of these effects were anticipated by the law's architect's? (Even though I have opened the door, please do not go off on a political tangent.)...
by Yipee-Ki-O
Thu Dec 26, 2013 2:44 am
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 11553

Re: How many folks have a dog?

I don't have a dog myself, but I do have several neighbors who graciously leave their dogs outside when they leave their homes so that I might enjoy the sound of dogs barking throughout the day and often at random times during the night as well.
by Yipee-Ki-O
Sun Dec 22, 2013 1:27 am
Forum: Personal Finance (Not Investing)
Topic: What happens if no longer eligible for ACA credit/subsidy?
Replies: 6
Views: 1210

Re: What happens if no longer eligible for ACA credit/subsid

I'm unsure about my 2014 income as well due to an S Corp investment which after many years of treading water might finally pay a healthy dividend which would be ordinary income. Based on current income the algorithm determined I was eligible for a monthly premium subsidy but I requested that $0 mont...
by Yipee-Ki-O
Wed Nov 20, 2013 2:02 am
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 331
Views: 35310

Re: Shiller P/E 10 hits 25

I started investing in mid-1986 a year which finished with a somewhat elevated market PE almost exactly where it is now. PE10 ranged from 12 to 15 in 1986, call it 13.5 on average. That is roughly half today's levels. I also would be an enthusiastic buyer of stocks (maintaining my predetermined ass...
by Yipee-Ki-O
Wed Nov 20, 2013 1:32 am
Forum: Personal Consumer Issues
Topic: Thinning hair/ hair loss products
Replies: 35
Views: 6196

Re: Thinning hair/ hair loss products

It is perfectly acceptable to shave your head nowadays even if you are 21 years old. If I'd known how much simpler shaving my head would make my life I'd have started doing it way back before my hair began to thin. At one point in middle age I grew a ponytail but then one day I looked in the mirror...
by Yipee-Ki-O
Mon Nov 18, 2013 12:46 am
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 331
Views: 35310

Re: Shiller P/E 10 hits 25

Are we going to crash...Who knows!!!

Well, somebody says YES!!! See my post above. Same guy.
by Yipee-Ki-O
Mon Nov 18, 2013 12:45 am
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 331
Views: 35310

Re: Shiller P/E 10 hits 25

No one has claimed PE10 or any metric is perfect - far from it. Well, to be precise one person actually does make that very claim. A certain individual very important to the founding of Bogleheads.org. But we won't go down that road and give him any of the attention he so desperately craves. :happy
by Yipee-Ki-O
Tue Nov 12, 2013 5:09 pm
Forum: Personal Consumer Issues
Topic: The Boglehead View on Squirrels
Replies: 112
Views: 10045

Re: The Boglehead View on Squirrels

My view of squirrels is down the sight of a 22. I think a pink rifle looks best when I am in my Jimmy Choo's. http://www.fieldandstream.com/blogs/gun-nuts/2013/01/best-squirrel-rifle-ever-volquartsen-rimfire My late father was partial to a 20-gauge shotgun for defense of his pecan trees. Living in ...
by Yipee-Ki-O
Mon Nov 11, 2013 1:40 am
Forum: Personal Consumer Issues
Topic: Last minute plane tickets
Replies: 17
Views: 1906

Re: Last minute plane tickets

Well, it's very limited outbound and inbound schedule but living in Wisconsin if you're near Green Bay or Duluth, MN you can fly pretty cheap last minute flight on Allegiant Airlines to Phoenix, Las Vegas or Orlando. Allegiant will nickel & dime you like crazy but you can get a good fare even at the...
by Yipee-Ki-O
Tue Nov 05, 2013 2:25 am
Forum: Investing - Theory, News & General
Topic: Brent Arends: you can beat the market with smart timing
Replies: 89
Views: 7538

Re: Brent Arends: you can beat the market with smart timing

If I recall correctly, Wade Pfau did a study on market timing using PE10. His timing algorithm was that you got into the market as long as PE10 was less than its long term average and got out when it went above. Turns out that, indeed, the algorithm beat "buy and hold" by a percentage point or two....
by Yipee-Ki-O
Sun Oct 27, 2013 2:30 pm
Forum: Investing - Theory, News & General
Topic: The cult of PE10 - so what?
Replies: 99
Views: 9521

Re: The cult of PE10 - so what?

I have been reading quite a bit here recently. I notice a rather odd paradox, and I would like to solicit thoughts. Why then the interest in debating PE10? What is actionable as a result of this calculation, whilst also considering the prove points of Market Timing? - Jason You cannot accuse the Bo...
by Yipee-Ki-O
Thu Oct 24, 2013 3:18 pm
Forum: Personal Consumer Issues
Topic: How Much Does Vehicle Safety Matter?
Replies: 55
Views: 4316

Re: How Much Does Vehicle Safety Matter?

It matters a lot to me. And more every year the older I get. Nobody gets out of here alive but I'd like to delay the inevitable as long as possible. I've always thought dying on the job would be a very cruel twist of fate...dying while driving to get somewhere ranks a close second.
by Yipee-Ki-O
Thu Oct 17, 2013 1:58 am
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 14890

Re: How many square feet is your home?

1050. A condo. Actually, it's the middle unit of a triplex with an attached 2-car garage but legally designated as a condo. I'm in the middle unit which is ok at present as owners on both sides are quiet. I did have a miserable year some years ago when a previous owner on one side allowed his high s...
by Yipee-Ki-O
Sat Oct 05, 2013 10:59 pm
Forum: Investing - Theory, News & General
Topic: The new safe withdrawal rate
Replies: 285
Views: 24650

Re: The new safe withdrawal rate

3) Life-long savers, especially those with frugal lifestyles are going to have an extremely difficult time emotionally withdrawing funds from their portfolio for consumption after decades of accumulation. One way to avoid this "unpleasantness" is to seek out SWR strategies with very low SWR that is...
by Yipee-Ki-O
Thu Oct 03, 2013 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 34251

Re: Signing up for health care

Open enrollment for the Affordable Health Care Act for the year 2014 is October 1, 2013 through March 31, 2014 ; source = HealthCare.gov; https://www.healthcare.gov/glossary/open-enrollment-period/ You have until December 15, 2013 to enroll and pay your first premium for your coverage to go into eff...
by Yipee-Ki-O
Tue Oct 01, 2013 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me with Obamacare with low income in MO
Replies: 54
Views: 6001

Re: Please help me with Obamacare with low income in MO

Here's an article which address your dilemma which offers some information and suggestions; http://www.nytimes.com/2013/09/24/your-money/locked-out-of-the-insurance-marketplace.html?_r=0 Another option might be to move to another state. I grew up in Missouri but [political comment removed by admin a...
by Yipee-Ki-O
Sat Sep 14, 2013 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 16419

Re: Got fired earlier this week, now the boss wants me back

You have sufficient resources to tide you over a period of unemployment so I see no need to reinsert yourself into what would be an uncomfortable bordering on hostile work environment. Your pride is worth something. Also worth mentioning is that the demand for all positions in health care, especiall...
by Yipee-Ki-O
Sun Aug 04, 2013 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Got a PC: Clean crapware & other questions?
Replies: 31
Views: 4206

Re: Got a PC: Clean crapware & other questions?

I think my next pc will be a MS Signature purchased directly from Microsoft to avoid just this problem.

http://www.microsoftstore.com/store/msu ... tSignature
by Yipee-Ki-O
Wed Jul 31, 2013 8:26 pm
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 65
Views: 11088

Re: How and when did you do it - to get to 1 Million

Via a large position in my employer's stock held in an ESPP and 401k. That's also how later I came to lose a half million.
by Yipee-Ki-O
Sun Jul 21, 2013 7:10 pm
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 21960

Re: [Sad news - Pat Larimore]

My condolences as well. I hope it is of some comfort to you knowing she lived a full and happy life and was much loved by her husband and all the others she touched during her time on earth.
by Yipee-Ki-O
Sat Jun 29, 2013 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 11072

Re: What was your worst investment?

Investing in an LLC which made a down payment on a note for a parcel of raw land in southern Utah just before the real estate bubble burst. The syndicators had put together several successful LLC's previously for select parcels across Las Vegas and had expanded to other locations scattered around th...
by Yipee-Ki-O
Mon Jun 24, 2013 2:46 pm
Forum: Personal Consumer Issues
Topic: Auto Seat Covers
Replies: 3
Views: 558

Re: Auto Seat Covers

I bought a pair of Costco Sideless Sheepskin seat covers which I'm reasonably satisfied with. Every now and then they have them on sale.
by Yipee-Ki-O
Wed Jun 12, 2013 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Pay cash for house, then get mortgage
Replies: 9
Views: 2958

Re: Pay cash for house, then get mortgage

Ok, thanks. I live in Las Vegas so I understand the current shortage of resales is driving up prices and cash buyers generally trump those relying upon financing. While I'll be paying cash it'll be for a house I intend to live in long-term rather than as an investment. I think the shortage of resale...
by Yipee-Ki-O
Tue Jun 11, 2013 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Pay cash for house, then get mortgage
Replies: 9
Views: 2958

Pay cash for house, then get mortgage

http://homes.yahoo.com/blogs/spaces/homebuying-cash-king-again-222401172.html “They pull the money out of portfolios or they borrow it from Mom and Dad, or I know of an instance recently where they basically liquidated everything they had, paid cash on a $700,000 home, then they will go back and tak...
by Yipee-Ki-O
Tue Jun 11, 2013 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tap IRA early or use SS early ??
Replies: 121
Views: 9850

Re: Tap IRA early or use SS early ??

Laurence Kotlikoff has a fee-based program When Should I Take Social Security to Maximize My Benefits http://www.maximizemysocialsecurity.com/ which purports to answer such questions. I have no idea whether it does or not, just providing a link for anyone who cares to take a look. PBS Newshour also ...
by Yipee-Ki-O
Wed Jun 05, 2013 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Selling older car vs. keeping it for low level use
Replies: 55
Views: 11028

Re: Selling older car vs. keeping it for low level use

Not every decision comes down to looking only at numbers. If keeping an old car which you're not going to use much but is very convenient to have around for those time you do, why not? I don't have to go out to a restaurant for dinner and could eat more inexpensively at home but I enjoy going out so...
by Yipee-Ki-O
Sat Jun 01, 2013 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to Get a Positive Return on a Fixer-Upper?
Replies: 18
Views: 2070

Re: Possible to Get a Positive Return on a Fixer-Upper?

The OP is a timely post for me as well. My girlfriend has an older house in Las Vegas (which means 20+ years here :happy) house with good bones and in a good neighborhood but with lots of deferred maintenance. Everything works but is dated. I look at the place and to me it needs new cabinets everywh...
by Yipee-Ki-O
Sun May 26, 2013 3:40 pm
Forum: Personal Consumer Issues
Topic: Best Walkable Place to Retire
Replies: 86
Views: 10760

Re: Best Walkable Place to Retire

Aspen definitely, but too rich for my blood. Ski towns in general are usually a good bet, albeit usually very pricey. There are areas in most cities which are walkable; downtown St. Louis, Plaza area of KC and LoDo Denver to name a few. I'm looking for the same thing. I'm thinking the idea of lookin...
by Yipee-Ki-O
Sun May 26, 2013 1:19 am
Forum: Local Chapters and Bogleheads Community
Topic: Remember this Memorial Day
Replies: 14
Views: 1892

Re: Remember this Memorial Day

I do. And I remember my father, now resting in Ft. Scott National Cemetery. WWII, Marine, shot by a sniper on Bloody Nose Ridge during the Battle of Peleliu leaving him partially disabled. I'm glad he lived long enough to overcome most of the demons which haunted him from the experience for much of ...
by Yipee-Ki-O
Fri May 10, 2013 7:34 pm
Forum: Investing - Theory, News & General
Topic: another post on dividend strategies
Replies: 26
Views: 2365

Re: another post on dividend strategies

bilperk The problem is that a div strategy IS a value strategy, so you are relying on the value premium, only you don't get really get it, much lower returns than either BtM, P/S, P/E or P/C Again dividends only create an illusion of safety. The idea that we hear that dividends prevent you from hav...
by Yipee-Ki-O
Thu Apr 25, 2013 8:32 pm
Forum: Investing - Theory, News & General
Topic: Are we in a stock bubble?
Replies: 49
Views: 5489

Re: Are we in a stock bubble?

A certain individual very significant to the founding of Bogleheads insists we're in a bubble...and have been since 1996, the year stocks became "insanely overvalued" causing him to bail out of the market. Totally. He's waiting to buy stocks until PE10's drop into the single digits and/or we enter t...
by Yipee-Ki-O
Mon Apr 15, 2013 1:23 pm
Forum: Personal Consumer Issues
Topic: Buying Tires at Costco
Replies: 38
Views: 32782

Re: Buying Tires at Costco

I've purchased two sets of tires from Costco but will never repeat that mistake again. The last time I waited in line for well over a half hour for my turn with the single person behind the counter. And at least at my Costco you do the same routine whether you want to get your tires rotated or a fla...
by Yipee-Ki-O
Mon Mar 18, 2013 1:05 pm
Forum: Investing - Theory, News & General
Topic: POLL: Withdrawal Rates For Real Retirees
Replies: 79
Views: 7254

Re: POLL: Withdrawal Rates For Real Retirees

tadamsmar wrote:I see some happy heirs in the future :happy
Exactly! My guess is for most Bogleheads the real question is how big a pile of money they leave behind; not the possibility of them running out of money while still kicking.
by Yipee-Ki-O
Sun Mar 17, 2013 10:57 pm
Forum: Investing - Theory, News & General
Topic: POLL: Withdrawal Rates For Real Retirees
Replies: 79
Views: 7254

Re: POLL: Withdrawal Rates For Real Retirees

I'm with Taylor. Being neither an engineer nor numbers oriented, I just spend what I need to spend. And as the child of Depression Era parents I tend to spend carefully. Sometimes at the end of the year I'll doodle on the back of an envelope to see what percentage I've withdrawn from my portfolio bu...