Search found 25 matches

by FL_TrailRunner
Sat Feb 01, 2014 7:21 pm
Forum: Investing - Theory, News & General
Topic: interesting paper on emergency funds
Replies: 14
Views: 3434

Re: interesting paper on emergency funds

Starting about 5-years ago, I split the permanent liquid asset half of my emergency fund into an intermediate-term municipal bond fund and total stock market index fund. My idea was to be more aggressive with these permanent liquid assets so that my total emergency fund would have the chance to out...
by FL_TrailRunner
Tue Mar 22, 2011 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Housing cost rule of thumb
Replies: 16
Views: 4135

EmergDoc wrote: I always use gross, because once you start using net, you have to go "net of what?"
Very good point. Thanks for sharing your thought process on this. Everyone's deductions are different, so computing the percentage from gross income does make the most sense.
by FL_TrailRunner
Tue Mar 22, 2011 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Housing cost rule of thumb
Replies: 16
Views: 4135

Thank you to everyone for your replies last weekend. I didn't know about that book by the Warrens. I read the Two Income Trap several years ago, and I'm looking forward to reading their other book. The 50/30/20 budgeting system seems to be very well researched. Does anyone know if the 20/25/28% rule...
by FL_TrailRunner
Tue Mar 22, 2011 12:17 pm
Forum: Investing - Theory, News & General
Topic: Otar's book: "Unveiling the Retirement Myth"
Replies: 107
Views: 29350

Should one also read Jim Otar's previous book, High Expectations & False Dreams (2001), before/after reading Unveiling The Retirement Myth (2009)? Or, are the concepts of the first book covered in enough detail in the second, making it redundant to read both?
by FL_TrailRunner
Fri Mar 18, 2011 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Housing cost rule of thumb
Replies: 16
Views: 4135

Housing cost rule of thumb

p41 in Lee Eisenberg's The Number has a reference to housing cost (in the Debt Warp chapter). I'm currently looking at houses, and I am a first time buyer. I've seen similar rules of thumb about housing expense ratios in my research. passage: "When I was his age (a debt warped person), there wa...
by FL_TrailRunner
Thu Mar 17, 2011 10:14 am
Forum: Personal Finance (Not Investing)
Topic: "The Number" by Lee Eisenberg (book)
Replies: 13
Views: 3393

Thanks everyone for your replies. I'll do some searches for the discussions brainstem mentioned. Thanks dognose for the recommendation of "Unveiling the Retirement Myth". @verygoodthings: good observation. I'm definitely seeing that I've been so numbers focused recently, and some of the st...
by FL_TrailRunner
Wed Mar 16, 2011 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: "The Number" by Lee Eisenberg (book)
Replies: 13
Views: 3393

"The Number" by Lee Eisenberg (book)

I came across references to the book The Number in the BH Guide to Retirement Planning (pages 9 and 19, paperback edition). I'm reading it now and am about half-way through. For those who have read that book, what was the most influential part for you? Or, the most eye-opening observation that may h...
by FL_TrailRunner
Sun Mar 06, 2011 7:59 pm
Forum: Personal Investments
Topic: My parents "Midlife Accumulator" Asset Allocation
Replies: 13
Views: 3261

Duh! I forgot to update the equity percentages after we removed the cash from the AA. (The spreadsheet I'm using here has the correct numbers.) Also, to keep things more simple when it comes time to rebalance, we've decided to separate the Progress Energy stock from the AA, so it's no longer in the ...
by FL_TrailRunner
Fri Mar 04, 2011 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Good deal on Worker’s Comp Insurance?
Replies: 8
Views: 1380

Thanks everyone for your input.

Payroll service doing the computation is nice benefit. No forms for us to fill out.
by FL_TrailRunner
Fri Mar 04, 2011 7:27 pm
Forum: Personal Investments
Topic: My parents "Midlife Accumulator" Asset Allocation
Replies: 13
Views: 3261

thank you for the thoughtful replies, letsgobobby and cdselvaggi. I'm going to go over this with my parents this weekend.
by FL_TrailRunner
Fri Mar 04, 2011 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Good deal on Worker’s Comp Insurance?
Replies: 8
Views: 1380

Thanks stratton and grberry for the replies. That makes sense, which makes the original question probably impossible to answer.

I guess the best way to get comparison numbers is running having a broker get quotes from a number of companies.
by FL_TrailRunner
Thu Mar 03, 2011 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: A simple way to dramatically increase tax-deferred space
Replies: 40
Views: 7195

@fredflinstone: I remember reading in a personal finance book that money put in a child's education account will be considered part of the family's assets (i.e. "counted against them") if the child is applying for need-based scholarships from the school. The book states that money in the p...
by FL_TrailRunner
Thu Mar 03, 2011 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Good deal on Worker’s Comp Insurance?
Replies: 8
Views: 1380

Good deal on Worker’s Comp Insurance?

I work as the manager of a small business, and I would like to get some feedback from fellow Bogleheads regarding our Worker’s Compensation insurance premium. It’s renewal time and our premium is $464. The policy is from The Hartford, and they receive our payroll data electronically from the payroll...
by FL_TrailRunner
Thu Mar 03, 2011 10:27 am
Forum: Personal Investments
Topic: My parents "Midlife Accumulator" Asset Allocation
Replies: 13
Views: 3261

Any additional suggestions?

Hello all! Just wanted to see if we could solicit more opinions or suggestions for improvement regarding my folks AA plan? New info: 1. I changed the AA in the original post per the advice received about not including the Cash in the AA. We also decided to remove the Global Ex-US REIT ETF to simplif...
by FL_TrailRunner
Tue Mar 01, 2011 12:33 pm
Forum: Personal Investments
Topic: My parents "Midlife Accumulator" Asset Allocation
Replies: 13
Views: 3261

Original post has been edited per advice from pkcrafter and skibbi9
by FL_TrailRunner
Tue Mar 01, 2011 12:23 pm
Forum: Personal Investments
Topic: My parents "Midlife Accumulator" Asset Allocation
Replies: 13
Views: 3261

Thank you pkcrafter and skibbi9. I should have realized that the entire amount in cash should not be included in the asset allocation. I guess it should be considered entirely an emergency fund. I'm about to edit the original post to exclude cash from the A.A. and return the A.A. to 60 stocks/40 bon...
by FL_TrailRunner
Tue Mar 01, 2011 11:01 am
Forum: Personal Investments
Topic: My parents "Midlife Accumulator" Asset Allocation
Replies: 13
Views: 3261

My parents "Midlife Accumulator" Asset Allocation

(now edited to change AA per the 4th post below) This is a follow-up post, after receiving advice on my portfolio from Taylor Larimore about two weeks ago. Since receiving his helpful suggestions, I executed the implementation of a 70stock/10REIT/20Bond AA in my portfolio from this post: http://www....
by FL_TrailRunner
Mon Feb 28, 2011 12:48 pm
Forum: Personal Consumer Issues
Topic: mozy price jump - looking for other online backup options
Replies: 47
Views: 4697

Crashplan has worked very well for my personal and work computers for two years. Several tested restores worked fine. Offers redundant backup....meaning one computer can back up to more than one destination at the same time. Currently backing up about 15 computers half mac, half windows to three dif...
by FL_TrailRunner
Mon Feb 28, 2011 12:44 pm
Forum: Personal Consumer Issues
Topic: Bye Bye Microsoft- Hello Mac!
Replies: 193
Views: 26430

@grok87: At some point you may be interested in researching Personal Finance software for a Mac. When I moved to a Mac 4 years ago, I decided to run windows xp in Parallels, so I could continue to use Quicken. About a year ago I invested some time to research Mac personal finance software and settle...
by FL_TrailRunner
Fri Feb 25, 2011 10:25 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Guide to Retirement Planning Book in Paperback
Replies: 17
Views: 2769

@Bob B: see this link for corrections to the hardcover edition. Many of the corrections made it into the paperback edition; the ones that made it in are noted:

http://www.bogleheads.org/wiki/Boglehea ... t_Planning
by FL_TrailRunner
Fri Feb 25, 2011 10:14 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Guide to Retirement Planning Book in Paperback
Replies: 17
Views: 2769

Is this a second edition?

I just ordered this book two weeks ago, and a paperback edition with a copyright date of 2009 was shipped to me. Is Mel's post about a new second edition, or is the book that I received the same one that you're referring to? (the Amazon page says the publication date is February 22, 2011, but the IS...
by FL_TrailRunner
Thu Feb 10, 2011 10:01 pm
Forum: Personal Investments
Topic: "Early Saver" asset allocation assistance
Replies: 6
Views: 2361

Hi Taylor, Thanks again for your thoughtful and detailed response. It is great to have confirmation of what I have been doing correctly and what could use improvement. Re: the bond allocation may be a bit low I believe you are correct. 15% may not be a sufficient percentage due to the additional ris...
by FL_TrailRunner
Thu Feb 10, 2011 4:25 pm
Forum: Personal Investments
Topic: "Early Saver" asset allocation assistance
Replies: 6
Views: 2361

Thank you

Taylor,

Just a quick note to say thank you for the detailed response! I'm looking forward to reviewing the suggestions in more detail tonight after work.


Chris
by FL_TrailRunner
Thu Feb 10, 2011 10:33 am
Forum: Personal Investments
Topic: "Early Saver" asset allocation assistance
Replies: 6
Views: 2361

"Early Saver" asset allocation assistance

First of all, I would like to sincerely thank frequent Boglehead contributors, the founders of Bogleheads site, the moderators, as well as Mr. Ferri, Mr. Swedroe and Wiki contributors. I have learned so much from reading posts and wiki articles over the past two years. Your generous giving of time, ...
by FL_TrailRunner
Wed Feb 09, 2011 8:32 pm
Forum: US Chapters
Topic: Tampa Bay Bogleheads meeting
Replies: 19
Views: 5799

Count me in!

Count me in! Hello everyone. I just joined the forum after visiting many times over the past two years. I've learned so much from the postings and the wiki. I'm actually about to post my portfolio for review in the Help with Personal Investments. It would be great meet other like-minded folks, ask q...