Search found 726 matches

by bradshaw1965
Mon May 13, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Asset Allocation in 60s
Replies: 17
Views: 1854

Re: Asset Allocation in 60s

You are right that a lot of people have soured on the idea of "age in bonds", likely due to the low bond yields of the last ten years. I don't think Mr. Bogle ever backed far away from it, though. Not sure, there was definitely some conversation from Mr. Bogle about taking Social Security into acco...
by bradshaw1965
Tue May 07, 2019 12:26 pm
Forum: Personal Investments
Topic: Voya financial - Why would anyone use them?
Replies: 40
Views: 3846

Re: Voya financial - WHY WOULD ANYONE USE THEM?

My company uses Voya and has access to a nice array of Vanguard funds but has a 1% wrap fee for administration. I've dealt with this before and the only way out is to lobby your HR or administrators. Fidelity has a decent small business fund with $100 administrative costs that will pay itself in 6 m...
by bradshaw1965
Sun May 05, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10847

Re: Rarely used items that are worth having?

Printed copies of vital documents including IDs, birth certificates, etc. $200-$500 in cash, small bills (mostly $5 and $10, you wont be able to make change in an emergency) Atlas & local area maps (physical not digital) 2 weeks water stored (at least 1 gallon per person per day) hand operated wate...
by bradshaw1965
Sun May 05, 2019 11:04 am
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 36
Views: 3653

Re: Boglehead investing through a major downturn

2008 and 2009 were miserable no other way to put it, but invest you must and the Boglehead way is the winning combo for mostly 401k investors.
by bradshaw1965
Fri Apr 26, 2019 9:14 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Does Money Buy Happiness?
Replies: 37
Views: 2196

Re: Larry Swedroe: Does Money Buy Happiness?

IMO, the closer to financial independence the less stress money imposes; Less stress generally equates to more happiness I agree in principle, but I had a weird psychological response as I closed in on financial independence that I don't think was healthy. I became too focused on crossing that thre...
by bradshaw1965
Fri Mar 29, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 14555

Re: How often do you check your net worth?

I aim for once a year but end up peeking checking budget and personal finance stuff. Thinking about removing my investment account info from my day to day spending websites because of this.
by bradshaw1965
Mon Mar 18, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Sirius
Replies: 16
Views: 1226

Re: Sirius

I pay $5 a month for Sirius streaming only after doing the cancel/call dance each year. Set a calendar reminder and call, takes about 15 minutes if it ever doesn't work I'll just go ahead and cancel. The streaming only works for me both in the car and at home, the app is slightly clunky but I didn't...
by bradshaw1965
Sat Mar 16, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Sling or Philo?
Replies: 3
Views: 640

Re: Sling or Philo?

http://reddit.com/r/cordcutters has a lot of discussion about particular OTT tv packages.
by bradshaw1965
Sat Mar 02, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces
Replies: 91
Views: 7292

Re: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces

I will say I'm glad Steven Hawking stuck around, disability and all, and I believe he made enormous contributions to his field. So there is that. Broken Man 1999 Just to be clear I am a disability rights supporter and think long-term adaptability to significant disabilities is quite likely. I'm spe...
by bradshaw1965
Sat Mar 02, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces
Replies: 91
Views: 7292

Re: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces

...a really poor outcome long term disability makes the quality of life choice not worthwhile for me or my spouse. I don't understand what you mean. I aim for compressed morbidity. We've both discussed what quality of life is a minimum standard and below that we've also discussed alternatives to wh...
by bradshaw1965
Sat Mar 02, 2019 3:48 pm
Forum: Investing - Theory, News & General
Topic: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces
Replies: 91
Views: 7292

Re: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces

...a really poor outcome long term disability makes the quality of life choice not worthwhile for me or my spouse. I don't understand what you mean. I aim for compressed morbidity. We've both discussed what quality of life is a minimum standard and below that we've also discussed alternatives to wh...
by bradshaw1965
Thu Feb 28, 2019 8:48 pm
Forum: Investing - Theory, News & General
Topic: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces
Replies: 91
Views: 7292

Re: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces

I’m not worried about cheating death, so SPIAs figure heavily in my plans. It always seems to be the health care bogeyman in high outlier savings scenarios, either a health breakthrough that really changes the game on longevity or extremely long term disability care. I don't think either is a huge ...
by bradshaw1965
Thu Feb 28, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: My future employer is setting up a 401(k) for the first time, how can I help make sure it's as good as possible?
Replies: 17
Views: 871

Re: My future employer is setting up a 401(k) for the first time, how can I help make sure it's as good as possible?

Avoid companies charging a percentage of assets instead of a simple administration fee. Flat-rate fees are good for those with large balances and bad for those with small ones. The Fidelity self-serve 401k administrative fee is $100 a year, 1/2 a year 401k max to break even at a typical 1% insuranc...
by bradshaw1965
Fri Dec 28, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Economy car vs Luxury - confirmation of a good decision
Replies: 29
Views: 1716

Re: Economy car vs Luxury - confirmation of a good decision

3. I have an M2. I wonder what people who claim that all BMW's are the same as Camry's or whatever and you're just 'paying for the badge' would say about the very different personality of that car v our 328i. They look fairly alike, the M2 is a little smaller, but a quite different car. Or maybe th...
by bradshaw1965
Sat Dec 22, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10788
Views: 1887330

Re: Stayed the course during a downturn?

I would think you can accurately say that you stayed the course throughout the downturn only once the downturn is over. Andy. Agree. That capitulation phase of a nasty bear market is where the risk profile is really assessed. Things seem much too orderly at the moment even as we approach a bear mar...
by bradshaw1965
Fri Dec 21, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 10138

Re: When did the musicians on the titanic realize their fate?

The average time to return to even after a drawdown of this size is 4 months. Too much drama around drawdowns. They are a normal part of the process.
by bradshaw1965
Sun Dec 16, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 5308

Re: How much do you pay for internet only?

$70 for 300MB symmetrical fiber AT&T flavor. Worth it for two work at home knowledge workers.
by bradshaw1965
Thu Dec 13, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: December "Bogleheads on Investing" podcast with guest Christine Benz now available
Replies: 17
Views: 2189

Re: December "Bogleheads on Investing" podcast with guest Christine Benz now available

Thanks Rick. Always enjoy your work on the podcast and Christine is a great guest.
by bradshaw1965
Tue Dec 11, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22633

Re: What percentage of your net worth is your home equity?

I have a friend who also includes his automobiles in his net worth. Wut?? At some point, you have to stop including every single thing you own in your net worth. A house is something you live in, you raise offspring in, you form lifetime memories in...which is the reason I never include it in my ne...
by bradshaw1965
Tue Dec 11, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Possibly dumb question about streaming services
Replies: 26
Views: 1814

Re: Possibly dumb question about streaming services

I don't believe any carry a national news feed from networks. Try an amplified hdtv antenna. I pick up every local station including PBS on mine, crystal clear. Its my backup plan when ISP is down. Wired my antenna into old cable splitter. Antenna signal available through out the house. I was hopin...
by bradshaw1965
Thu Dec 06, 2018 9:51 am
Forum: Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5469

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

My VERY strong gut feeling is that the stock market has no where to go but down from here. Over the next 12 mos I see market dropping to as low as 19,000 once capitulation is complete. If this does indeed happen then I may sell my CDs (even at a loss) and gradually buy back in. Otherwise I will jus...
by bradshaw1965
Thu Nov 29, 2018 2:53 pm
Forum: Personal Investments
Topic: Company sponsored 401k $80/yr fee
Replies: 7
Views: 654

Re: Company sponsored 401k $80/yr fee

A small fixed fee is great. A lot of small companies end up with "no admin fee" 401k's administered by insurance companies grabbing high percentages of assets with absolutely no value added.
by bradshaw1965
Tue Nov 27, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 2956

Re: Dual Monitor Set up

I find the Dell Ultra HD 4k Monitor P2715Q 27-Inch Screen the sweet spot for my aging eyes. The extra sharp text allows me to get through a long day of programming and production.
by bradshaw1965
Sun Nov 04, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8854

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

Agreed. I think people conflate FIRE with stoppage of work. In my case, by the math, I am financially independent, so I have reduced work to a level that provides me with the balance I feel suits my life at this time. Less work is in my future. To each his/her own. My concern is with those "experts...
by bradshaw1965
Sat Nov 03, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8854

Re: WSJ FIRE

A quote from the article say is all for me: Brandon Ganch, 36, who retired from his job as a software engineer in 2016, said his frugality became an obsession and he stressed over small purchases by his wife. He often got upset when visitors took long hot showers at his former Vermont home or his w...
by bradshaw1965
Wed Oct 31, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11558

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

I've lived in Atlanta for most of my career with a relatively LCOL but because it is a regional hub the wages have been pretty robust. If you find ways to deal with the traffic, Atlanta is pretty livable.
by bradshaw1965
Tue Oct 23, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 107034

Re: How much money do you want to retire?

A couple years ago my wife told me that she could retire if we had $5M in investments. :oops: She told me yesterday that we could retire if we win the Powerball drawing ($1Billion) tomorrow. So I guess that's something. :beer poor mmcmonster, his wife will never retire... [...]I would like to retir...
by bradshaw1965
Tue Oct 23, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 5027

Re: When Will Attaining Millionaire Status Be Obsolete?

Here I am. I'm 34, and if someone handed me $1 million, I'd retire right now. $143,000 of that would pay off my mortgage, leaving me with $857,000. Even at 3% SWR, that would leave me with $25,710 per year and I'm not sure what I'd do with all that money. Over $2,000/month with no mortgage to pay? ...
by bradshaw1965
Tue Oct 23, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 5027

Re: When Will Attaining Millionaire Status Be Obsolete?

Here I am. I'm 34, and if someone handed me $1 million, I'd retire right now. $143,000 of that would pay off my mortgage, leaving me with $857,000. Even at 3% SWR, that would leave me with $25,710 per year and I'm not sure what I'd do with all that money. Over $2,000/month with no mortgage to pay? ...
by bradshaw1965
Tue Oct 23, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 5027

Re: When Will Attaining Millionaire Status Be Obsolete?

Do some of you realize that most Americans live paycheck to paycheck and barely have $1000 in savings? Only 50% invest at all. Reaching millionaire status is a huge milestone for most people. Not sure what planet you're on? +1 I know I'll be celebrating the day I cross the threshold! You will celeb...
by bradshaw1965
Fri Oct 12, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5972

Re: Who worries about a bear market in stocks?

So, it makes sense to me that you should only carry up to 20% in stocks in retirement (of non-discretionary capital). Any more than that is gambling: accepting non-optimal risk for a hoped-for return. Maybe I just get caught up in language, but more then 20% of non-discretionary capital in stocks i...
by bradshaw1965
Thu Oct 11, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3667

Re: 5 ways target-date funds let investors down

1. The inability to put 50% in small caps is good for most people. The small and value outperformance has not held up more recently. There is no reason to make insane tilts like that. Not so sure the referenced portfolio qualifies as insane. Small and value are recognized factors. Lots of roads to ...
by bradshaw1965
Wed Oct 10, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3667

Re: 5 ways target-date funds let investors down

1. The inability to put 50% in small caps is good for most people. The small and value outperformance has not held up more recently. There is no reason to make insane tilts like that. Not so sure the referenced portfolio qualifies as insane. Small and value are recognized factors. Lots of roads to ...
by bradshaw1965
Wed Oct 10, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5775

Re: The benefits of international diversification - NOT: Hulbert

It sounds trite and almost buffoonish, but if you're going to buy-and-hold, then that's what you have to do. The nice thing about buy and hold is that there is exactly one thing I need to do over my investment lifetime to almost guarantee a statistically excellent outcome. If I can control my emoti...
by bradshaw1965
Tue Oct 09, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1005
Views: 143712

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

In my mind Honda's dishonesty here has wrecked their reputation, at least with me. I really doubt I will buy another Honda in a long time, and I certainly won't recommend them to anyone I know. Sad. Toyota had the same round-trip response problem with their oil sludge issues in 2007. They are still...
by bradshaw1965
Fri Oct 05, 2018 11:11 pm
Forum: Investing - Theory, News & General
Topic: October "Bogleheads On Investing" podcast with Dr. David Blitzer
Replies: 26
Views: 3524

Re: October Bogleheads On Investing Podcast with Dr. David Blitzer

Future guests who have agreed to be interviewed. Presented in no particular order: Tim Buckley (CEO Vanguard) Jonathan Clements (Humble Dollar) Christine Benz (Morningstar) Allan Roth (Wealth Logic) Bill Bernstein (Efficient Frontier) Gus Sauter (Vanguard - Retired) Wes Gray (Alpha Architect) Mel L...
by bradshaw1965
Thu Oct 04, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Charles Murray's and Jordan Peterson's book
Replies: 17
Views: 1480

Re: Charles Murray's and Jordan Peterson's book

I believe these are self-help type books and I'm personally trying to avoid such books (have read many). But both these authors seem well regarded, so I wanted to see what did some folks here thought of these two books. Both of these authors are extremely controversial. They may be "well regarded" ...
by bradshaw1965
Tue Oct 02, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 46
Views: 3967

Re: Best neighborhoods in Atlanta

City of Decatur & not the incorporated, is a great place to be, it is in the DeKalb County for school district, which leads you to a hot real estate market. Compared to the surrounding counties one may pay extra for the home purchase & in taxes but it will appreciate fast. Real Estate in DC is not ...
by bradshaw1965
Tue Oct 02, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5983

Re: Root of Good's cost of raising a child: $3,300 per year

The FIRE community has got some 'splaining todo since they aren't under the radar anymore. The general resentment is interesting. I'm personally trying to keep 2 ideas in my head at the same time both for and against.
by bradshaw1965
Sun Sep 30, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 46
Views: 3967

Re: Best neighborhoods in Atlanta

I'd agree with Decatur as family focused with great schools. O4W/Beltline area is super walkable and vibrant but my guess is you'd have to solve for schools. Traffic advice is really important, whatever you do don't buy based off of a Summer time or off-hours commute simulation.
by bradshaw1965
Sun Sep 30, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 107034

Re: How much money do you want to retire?

But in general my feeling is that people will decide how much they need to reach the above goals, and then retire when those goals are achievable without earning money (putting aside issues of health or disability that force early retirement). It's not just health or disability. A layoff or some ot...
by bradshaw1965
Fri Sep 28, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 107034

Re: How much money do you want to retire?

See, this is the slow creep. For example, with this analysis, say I want to be able to afford not just 1 year of house cleaning + lawn mowing (etc) but for the rest of my life. So now it becomes extra 40 weeks, correct? If I only work for another extra 4 years, then all of the future trips can be t...
by bradshaw1965
Wed Sep 26, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 107034

Re: How much money do you want to retire?

Think healthcare and end of life nursing care. You think insurance picks up everything or is without substantial cost? You can purchase a lower benefit if you wish but given choice many will not opt for it. Having dealt with a little too much end of life care for parents and loved ones recently, mo...
by bradshaw1965
Wed Sep 26, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 107034

Re: How much money do you want to retire?

Think healthcare and end of life nursing care. You think insurance picks up everything or is without substantial cost? You can purchase a lower benefit if you wish but given choice many will not opt for it. Having dealt with a little too much end of life care for parents and loved ones recently, mo...
by bradshaw1965
Tue Sep 18, 2018 12:02 pm
Forum: Personal Investments
Topic: Facing Retirement at year end
Replies: 22
Views: 2777

Re: Facing Retirement at year end

$49K in Social Security income, and $870K in liquid assets if you decide to lump sum the pension with a $50k a year expenses is a pretty good ballpark to be in. Seems like housing and health care are going to be your biggest things to figure out but that's not unusual. I'd probably downsize and move...
by bradshaw1965
Tue Sep 18, 2018 11:18 am
Forum: Personal Investments
Topic: Laddered CDs
Replies: 28
Views: 2974

Re: Laddered CDs

peterinjapan wrote:
Tue Sep 18, 2018 8:23 am
I love the Fidelity Laddered CD tool. It's "set and forget" and I have one in my IRA.

https://fixedincome.fidelity.com/ftgw/f ... -new-issue
That's a really nice tool, thanks for the pointer.
by bradshaw1965
Mon Sep 17, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5414

Re: Delaying SS? How Long It Will Take for It to Pay Off?

smitcat wrote:
Mon Sep 17, 2018 8:07 am
Greenman72 wrote:
Mon Sep 17, 2018 8:06 am
I don't know much about anything.
But I know that delaying it until 70 doesn't help if you die at 69.
Absolutely true - If you are going to die at 69 then retire ASAP and take SS at 62.
Not sure that's always right if you are using spousal benefits in your planning.
by bradshaw1965
Mon Sep 17, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Overnight near Atlanta?
Replies: 30
Views: 1682

Re: Overnight near Atlanta?

Just one anecdotal datapoint for Atlanta weekend traffic, there seems to be significant ongoing weekend construction and my travel times have been as bad as commute times on 85, 75 and 285.
by bradshaw1965
Mon Sep 10, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: $25K car
Replies: 39
Views: 3877

Re: $25K car

You might also consider a Mazda 6. I recently test drove a 2018 Accord and a 2018 Mazda 6, and liked the Mazda much better. The Mazda also has the safety features like Honda's, the 6 is getting CarPlay right now, and also has keyless entry. I found the Mazda drives much nicer than the Accord. Bette...