Bogleheads.org

naha66

I said high or ultra and he said he plays on medium now with a gtx 660 so i'm sure he'll be happy with high. I just bult a new Ryzen R5 3600 system last month. I old system was I5-2500 and with a Nvidia GTX 1070 and i was able to run almost everything on 1080p high with at least 60 FPS and a i5-4670...

naha66

FWIW the SSD does NOT have to be the same size as the HDD you are cloning. The cloning software now is smart enough to clone based on the amount of data on the HDD (if it is less than the size of the target SSD). I have done it. Copy photos, videos, music, games. etc, all the sort of stuff you woul...

naha66

"Almost by definition, a really good business generates far more money (at least after its early years) than it can use internally. The company could, of course, distribute the money to shareholders by way of dividends or share repurchases. But often the CEO asks a strategic planning staff, co...

naha66

VYM (Vanguard High Dividend Yield ETF) 2007 div on $100k $2649,2008 $2897,2009 $2435, 2010 $2347, 2011 $2937 . So yes they fell but not a amount you can't manage. I bet people with a 3 fund Portfolio in retirement cut back in those year too. A good etf or mutual fund of dividend payers can work. Che...

naha66

Isn't there a case to be made to construct a portfolio that has a higher yield than what index funds pay? VTSAX pays only 1.84%. If I wanted an annual income of $80,000 I'd need $4.2 million in a portfolio yielding 1.9%. But you'd only need $842,105 from a portfolio yielding 9.5%. Of course, you'd ...

naha66

The biggest element to my investment success is what I would think of as rule #0 to be inserted in front of 1 through 3: #0) Maximize your salary/income to your highest ability so you have more money to invest. If you choose a job/career that makes little money you can follow 1 through 3 to your he...

naha66

It’s hard to believe anybody takes 3% seriously. If you were only trying to match inflation (i.e., 0% real return), you could get 33.3 years of spending. Essentially, 3% is saying you would lock in a negative return over 30 years. I think this is beyond pessimism and is downright fear mongering. No...

naha66

Second, it is exactly because we don't know that is the reason to be conservative, because the consequences of being wrong are literally unthinkable, while the alternatives are more acceptable. Larry, First of all, thanks for providing your reasoning for your statement. I've heard this kind of stat...

naha66

Second, it is exactly because we don't know that is the reason to be conservative, because the consequences of being wrong are literally unthinkable, while the alternatives are more acceptable. Larry, First of all, thanks for providing your reasoning for your statement. I've heard this kind of stat...

naha66

Don't forget Rick Ferri does recommend holding up to 20% of a perferred stock fund/etf in his Core 4 income portfolio.

naha66

2801.55

naha66

vineviz says " but this board is FULL of people who are dramatically underweighting international equities with allocations of 25% or less. Yes count me as one of the "FULL of people". The first year I had a 401K available to me was 1986 their was no international fund in the plan. I ...

naha66

If the dealer told you that the clogged Cats damaged the timing belt :confused That's crazy. The 2001 Odyssey timing belt change is 105k or 8? years which ever comes 1st and have them change your waterpump at the same time no extra labor just the parts cost. I would take it to a independent shop, as...

naha66

I'm using Morningstar performance total return For example VTI shows 4.35 vs 3.77 for SPTM. I meant SCHB instead of SCHD.

naha66

Can anybody explain how ytd performance can be from .44 to .58 lower for SPTM compared to ITOT,SCHD,and VTI. These are all total stock market etfs from Ishares, schwab and vanguard. They all have .03 or .04 expense fees. It also trails in the 1 year performance too.

naha66

nisiprius wrote: ↑Thu Nov 15, 2018 11:31 am
vineviz wrote: ↑Thu Nov 15, 2018 9:20 am...I looked up the top 10 bonds in BAB and the vast majority are Build America Bonds. If I can do a mass lookup of CUSIPS I’ll report back with stats...
Thanks. How do you recognize them?

On invesco website under holding instead off ticker symbol they have the cusip #, DuckDuckGo is your friend.

naha66

https://imgur.com/drClc50.png The ESG Core-4 portfolio calls for a 20% allocation to "Build America Bonds & US Government Securities." Being listed first suggests that Build America Bonds are the preferred asset for implementing this portion of the portfolio. Build America Bonds are n...

naha66

Dividend policy is irrelevant to a stock’s total return I believe. Think there was a Nobel prize involved in that work. Dividends tend to be a not so great proxy for value stocks. The nice thing, I would think, about avoiding dividend stocks, is that one can decide when to sell and experience the c...

naha66

I'm from the younger crowd, so I have the perspective of a child who went through this as opposed to a parent going through it. My parents tried to be fair to each of us. I pursued college and paid my own way through, as a reward for that they took the money they had saved for my college and bought...

naha66

I'm from the younger crowd, so I have the perspective of a child who went through this as opposed to a parent going through it. My parents tried to be fair to each of us. I pursued college and paid my own way through, as a reward for that they took the money they had saved for my college and bought...

naha66

Many national parts delivery drivers, parts counter help, and cashiers, etc. get below 11hr. Not if they are employed in Massachusetts. Not theoretically, actually: Today: The Advanced Auto parts delivery driver told me today, my job pays 8.50hr. The car wash guy next to the Advanced auto national ...

naha66

For those using texts to your cellphone, what do you do when you travel abroad? Are you effectively locked out of your accounts? I spend up to several months each year abroad and normally use a local sim card in my destination country ... so I can't receive texts at my regular cellphone number. The...

naha66

I’m glad the doc sued. These online reviews are a 1way street. Someone can post any amount of negative stuff, which may or may not be accurate. Often the thing that ticked them off is something completely different to what is written. The doc has no defense. And if he posts his review of the patien...

naha66

Come on people answer the question. The OP asked if the 4% would apply to someone who retires in their mid 70's , not how to invest it. A 20 year retirement could handle 5% if going by history, as everyone seems to think the next 10 years will be lower than normal maybe 4.5- 4.75 would work. I would...

naha66

Speaking just to a safe withdrawal for a 75 year old. Tom Kitces wrote a paper back in 2012 where he came up with 5.3% for a 20 time frame. 4% is for 30 years. If you want a margin of error 4.75% would probably work. You can always adjust the % depending on returns of your portfolio. https://www.kit...

naha66

This isn't really about GE, and it isn't a prediction--either that GE will cut its dividend, or that GE will be dropped from the Dow. But according to today's headlines, people are speculating about, even anticipating both of these things. The Dow has no mechanical rules for inclusion; as I underst...

naha66

While speaking with a Fidelity representative recently, he mentioned that there was a fixed annuity that pays 5.5% for life. At 600K, that yields approximately $2700/mo for life. 18 years to make up principle. Reasonable fees. Simple monthly income. See immediateannuities.com Note that fixed annuit...

naha66

I can never understand why anyone would purchase a SPIA without a return of premium or 20 year period certain. The little bit of extra income lost to insure your heirs receive something in the event of an early post purchase demise seem very worth it. I suspect the SPIA purchase is NOT motivated by...

naha66

Nisiprius, Imho, VHDYX is a better fund than VEIPX. First of all it's a index fund not a managed fund. So it has no capital gains (short or long) & is more tax efficient. Lower turnover. It has more stocks, better diversified, cost less, with a higher dividend payout. I believe Jack Bogle when ...

naha66

Got the email today

naha66

Welcome, However, what is the forums opinion regarding investing a lump sum (windfall) in VHYDX during retirement, in a taxable account, if the dividends are equal to the amount one wishes to withdraw annually? Could this possibly be a good position in the event of a market downturn, which might ma...

naha66

The same you would to get10k to 12K out of 400k, it's just 2.5-3%. 70% VTI 30% bonds.

I see that's it's 100k-120k

naha66

By the way PONDX has been merged into PONAX.

naha66

We are always trying to come up for reasons why the USA always has higher returns. One of the reason could on how they run there companies, take Volkswagen. Their Board of Supervisory Members(Board of Directors) have :sharebeer 9 union and 1 politician out of 20.The company is run for the benefit of...

naha66

Not bad a bad smell. Have you ever lived on a farm? YNoseMV Grew up on a dairy farm next to a pig farm. City friends came once and complained about the smell. :shock: I said. "What smell">? . . . to farmers.. . it's the smell of money.. . . j Branch manger and I were taking a new sales re...

naha66

Larry says I wrote my first book in May of 1998 and since then DFA SV has outperformed VSIVX despite a 40 bp disadvantage in costs. And since we switched to BOSVX is has outperformed DFSVX even by more than we estimated, despite a higher ER. It's value added not costs that matter. And in some cases...

naha66

Larry says I wrote my first book in May of 1998 and since then DFA SV has outperformed VSIVX despite a 40 bp disadvantage in costs. And since we switched to BOSVX is has outperformed DFSVX even by more than we estimated, despite a higher ER. It's value added not costs that matter. And in some cases ...

naha66

Im too slow at editing

naha66

The DFA fund has about 0.5 value exposure, so if the premium is 1% going forward, you get an extra 0.5% return, and DFA is essentially paying for its own expense ratio. If the vallue premium is larger, you win. Also, if there's a quality premium going forward, you win again, since DFA screens out j...

naha66

Hate to recommend a SPIA annuity, but it might the best option for you. You can buy thru Vanguard, 50%(388k) of your 776k would give you over $2000 a month plus $900 SS, thats close to $3000 a month and you still have 388k to invest in case inflation comes back. I agree with naha66 on this. Also, i...

naha66

Hate to recommend a SPIA annuity, but it might the best option for you. You can buy thru Vanguard, 50%(388k) of your 776k would give you over $2000 a month plus $900 SS, thats close to $3000 a month and you still have 388k to invest in case inflation comes back.

naha66

Two giants in the "emerging markets" category are Alibaba and Tencent, they have both experienced unprecedented growth, and relatively positive feedback from investors and the media. To be completely honest, the fast-paced growth of these firms got me very excited, but then I took a look ...

naha66

https://www.wsj.com/articles/SB10001424 ... 3221141616

This is a sample of what they do.

naha66

buy CQQQ go to china and see its dominance in technology yourself there is no cash and credit cards in china anymore, tencent and alibaba dominates the payment market with their mobile app wechat and alipay even when you go to a spa in china, you just have to bring your phone, no wallet, and all ti...

naha66

http://www.etf.com/sections/index-investor-corner/swedroe-what-investors-should-worry-about?nopaging=1 […] I think it’s fair to say he’s in the business of helping build robust investor portfolios that can withstand the wide variety of outcomes predicted by many individuals. … I think it’s fair to ...

naha66

RRAAYY3 wrote: ↑Wed Feb 21, 2018 9:15 pm I don’t have much confidence in America maintaining its global prowess

I’ll just leave it at that

How much time have you spent in Asia?

naha66

It's even worse than that. SEC yield on VTSAX (Total Stock Market Admiral) is 1.68%. Try saving up 59x expenses. How many people retire 100% VTSX, a 40/60 4 fund of VTI,VEU,BND,and VCIT returns about 2.5% which is what some posters(the sky is falling) here advocate as the new SWR. I take my dividen...

naha66

What does being single or married have to do with it. What matters is how much do need to withdraw from your portfolio whether you have $500k or $5 million. I think he saying if you can't save a lot of money you will run out. Their are people on here who don't even have to touch there investments. T...

naha66

A form of annuity may be beneficial for your case, since high 6 digits portfolios have usually meaningful failure rates at retirement . SPIAs or deferred fixed annuities is what you should be looking for though for a part of your investments (funded from the bond funds part). Forget about the "...

naha66

If not looking at the past, on what do you base your 3-3.5% ? Yep, that's the question and you might not like my answer, but here goes. I'm triangulating into it, looking at the future like this: 1. I believe my grandparents, parents and I have lived during a Golden Age in America. Sure, we had war...

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