Search found 100 matches

by robby152
Wed Jan 04, 2017 8:26 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for RTP, North Carolina Bogleheads Chapter
Replies: 36
Views: 11100

Re: Master Thread for RTP, North Carolina Bogleheads Chapter

I just found this thread and am a semi-recent transplant as well. Will be following this thread for updates
by robby152
Thu Sep 22, 2016 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Rising dividends over time when reinvesting capital gains?
Replies: 11
Views: 1307

Re: Rising dividends over time when reinvesting capital gains?

I just found the following thread, which I found helpful: https://www.bogleheads.org/forum/viewtopic.php?t=182446 Specifically, posts 11 and 12: A lot depends on your investment time frame. If you are talking about a longer term investment, Wellesley should outperform a Certificate of Deposit but wi...
by robby152
Thu Sep 22, 2016 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Rising dividends over time when reinvesting capital gains?
Replies: 11
Views: 1307

Re: Rising dividends over time when reinvesting capital gains?

I would expect stock dividends to rise over time, because stock prices tend to rise, and dividend yields remain fairly constant. But, is the underlying mechanism behind this trend that companies are increasing the declared dividend per share as their respective stock prices rise? In other words, I ...
by robby152
Wed Sep 21, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Rising dividends over time when reinvesting capital gains?
Replies: 11
Views: 1307

Re: Rising dividends over time when reinvesting capital gains?

The practical goal here is to see if her payments will slowly increase over time or if they will remain relatively static. There is no way to know for certain. It would involve forecasting not only the ability of companies to pay a dividend, but also their election to do so. My opinion is that divi...
by robby152
Wed Sep 21, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Rising dividends over time when reinvesting capital gains?
Replies: 11
Views: 1307

Re: Rising dividends over time when reinvesting capital gains?

Distributions are paid per share. One can look up the historical distributions for her funds on the Vanguard.com web site. If she reinvests the capital gains distributions, then that will increase the number shares she will own. Thanks So if you look at the vanguard.com web site, have the annual di...
by robby152
Wed Sep 21, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Rising dividends over time when reinvesting capital gains?
Replies: 11
Views: 1307

Rising dividends over time when reinvesting capital gains?

This feels like a 'duh' question, but I would rather find the right answer instead of acting like I know and being wrong. I am managing the investments for my recently widowed mom and have put her in 70% Wellesley and 30% Vanguard LifeStrategy Moderate Growth. She has a desire to leave an inheritanc...
by robby152
Mon Apr 07, 2014 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I put my money? index funds, house, rentals
Replies: 4
Views: 905

Re: Where should I put my money? index funds, house, rentals

If I found a rental with monthly scheduled rents at 3% of purchase price, I would jump on it in a heartbeat.
by robby152
Wed Apr 02, 2014 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Accept Job Offer from Company that Filed for Bankruptcy?
Replies: 29
Views: 3612

Re: Accept Job Offer from Company that Filed for Bankruptcy?

OP, not trying to be snarky, but per your signature line, it looks like you invest with the Permanent Portfolio. The whole idea of the PP is to minimize fluctuations and to provide a couch potatoe/all weather strategy based on avoiding bad scenarios... Compare that mindset to this job opportunity a...
by robby152
Tue Apr 01, 2014 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Accept Job Offer from Company that Filed for Bankruptcy?
Replies: 29
Views: 3612

Re: Accept Job Offer from Company that Filed for Bankruptcy?

OP, not trying to be snarky, but per your signature line, it looks like you invest with the Permanent Portfolio. The whole idea of the PP is to minimize fluctuations and to provide a couch potatoe/all weather strategy based on avoiding bad scenarios... Compare that mindset to this job opportunity an...
by robby152
Wed Mar 12, 2014 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Owner income from small business
Replies: 5
Views: 553

Re: Owner income from small business

I am in a somewhat similar situation, except that I use a solo 401K, as my LLC taxed as an S corp is just a single person LLC. Vanguard has a great page comparing the three options and were great with helping set it up. According to my understanding, I can contribute up to 17K via salary deduction (...
by robby152
Wed Feb 26, 2014 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Can you have more than one IRA? Early retirement and SEPP
Replies: 11
Views: 1223

Re: Can you have more than one IRA? Early retirement and SEP

I haven't done this personally, but I believe I remember reading at m that you can establish multiple IRAs and only 72-t one of them to accomplish what you are suggesting. You might want to check out that forum for your question. I gather that many bogleheads would rather shoot for a more comfortab...
by robby152
Wed Feb 26, 2014 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Can you have more than one IRA? Early retirement and SEPP
Replies: 11
Views: 1223

Re: Can you have more than one IRA? Early retirement and SEP

I haven't done this personally, but I believe I remember reading at www.early-retirement.org that you can establish multiple IRAs and only 72-t one of them to accomplish what you are suggesting. You might want to check out that forum for your question. I gather that many bogleheads would rather shoo...
by robby152
Fri Feb 14, 2014 5:04 pm
Forum: Investing - Theory, News & General
Topic: MPT, Markowitz, Efficient Frontier and Vanguard, NOT!
Replies: 66
Views: 6310

Re: MPT, Markowitz, Effective Frontier and Vanguard, NOT!

And better yet start tracking your investment decisions in real time here to provide visibility to your methods. Anyone can say they picked X stock 15 years ago and it had an 18% CAGR, but few can do that on a prediction basis.
by robby152
Tue Jan 21, 2014 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund for Self Employed?
Replies: 9
Views: 1177

Re: Emergency Fund for Self Employed?

I am a self-employed consultant with a pretty high risk of extended 'bench time' between engagements. During my latest project, I decided to increase the EF to 1 year of bare-bones living expenses after a stressful patch in the project. This has been a great move for me and has let me breath much ea...
by robby152
Fri Jan 17, 2014 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Early retirement investment vehicles
Replies: 44
Views: 3798

Re: Poll: Early retirement investment vehicles

What about rental real estate? That isn't really taxable or tax advantaged, but is somewhere in the middle usually. I know a lot of people are planning on using this as a significant source of their early retirement cash flow.
by robby152
Wed Dec 04, 2013 8:51 am
Forum: Investing - Theory, News & General
Topic: REIT Stocks - An Underutilized Portfolio Diversifier
Replies: 10
Views: 1686

Re: REIT Stocks - An Underutilized Portfolio Diversifier

It seems I have been seeing a lot lately about a Talmud allocation strategy. Curiously, though I am a 'young accumulator', I looked at my own total asset allocation (including primary residence, rentals, emergency fund, etc. but excluding possessions) according to a reserves, land and business categ...
by robby152
Tue Nov 19, 2013 9:03 am
Forum: Investing - Theory, News & General
Topic: Valuations matter? Your opinion
Replies: 56
Views: 4319

Re: Valuations matter? Your opinion

I chose door number 3. I understand valuations and why they may 'matter' to future expected returns for some, but what matters to me a lot more is my own incompetency at taking any meaningful action on the valuations. I am more afraid of my own inability to time the market based on any action (movin...
by robby152
Fri Nov 08, 2013 3:36 pm
Forum: Personal Consumer Issues
Topic: $550 StraightTalk iPhone 5 16GB $45 Unlimited Plan
Replies: 5
Views: 1372

Re: $550 StraightTalk iPhone 5 16GB $45 Unlimited Plan

Here is a comment: click through befrugal dot com or top cash back dot com to get 20-30% cashback! Just did this myself. It is a Verizon 3G only phone though.
by robby152
Fri Nov 01, 2013 8:54 am
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 10364

Re: Poll: How conservative/aggressive is your AA for your ag

29 year old with a 120 - age in stocks portfolio. Slight SV tilter, all else in 3 fund portfolio.
by robby152
Tue Sep 03, 2013 10:07 am
Forum: Personal Finance (Not Investing)
Topic: To HSA or not? Are my numbers correct?
Replies: 12
Views: 1588

Re: To HSA or not? Are my numbers correct?

The major tax advantages of an HSA make this decision easier as well (tax free contributions and tax free withdrawals for qualified medical use and/or retirement past the official age).
by robby152
Fri Aug 30, 2013 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Get an MBA or Invest?
Replies: 50
Views: 4897

Re: Get an MBA or Invest?

While I agree with the many that are saying MBAs can be a dime a dozen today (with junior colleges and online universities allowing you to 'get your mba', as if everyone should get it, I do think that it depends on what type of school you attend and how you perform in school. I went to a good school...
by robby152
Wed Jul 31, 2013 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: What Are You Using for Your Emergency Funds?
Replies: 63
Views: 6323

Re: What Are You Using for Your Emergency Funds?

10K in a reward checking account (the max) to get 2.5% APY, the rest in VWITX as another poster said
by robby152
Mon Jun 24, 2013 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property: Risk vs. reward [How to determine]
Replies: 6
Views: 1158

Re: Rental Property: Risk vs. reward [How to determine]

I use a couple of methods to run the numbers. Right off the bat, I don't look at anything that doesn't meet the 1% rule (purchase price/monthly rent). So if I am looking at a 100K SFR that rents for 800 a month, I will pass immediately because the ratio is only .8%. That being said, the better numbe...
by robby152
Mon Jun 24, 2013 9:35 am
Forum: Personal Consumer Issues
Topic: Garlic anyone?
Replies: 51
Views: 6078

Re: Garlic anyone?

The problem with cooking garlic to the point that you remove the smell/taste that gives bad breath is that you are 'killing' the sulfuric compound (called allicin) that is one of the most potent anti-oxidant/anti-biotic/anti-fungal/anti-evil compounds to be found in nature. Garlic still has other gr...
by robby152
Tue Jun 18, 2013 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 8714

Re: Renting - The Boglehead Way

I may be over thinking this, but is the $1M in the contract the landlord's way of building in a contractual 'gotcha', as he/she assumes no renter will actually get that much in coverage so later the landlord could preserve some sort of legal backdoor in case of a lawsuit? This sounds fishy to me as ...
by robby152
Tue Jun 18, 2013 8:31 am
Forum: Personal Consumer Issues
Topic: Any pipe smokers here? Looking for tobacco recommendations..
Replies: 9
Views: 1400

Re: Any pipe smokers here? Looking for tobacco recommendatio

I own pipes. I display my pipes. I've even carved a few of my own (and of course they are my favorites). But I only smoke about one bowl a year. Let's avoid getting into a medical discussion, but.. I have researched the subject of cancer and pipe smoking extensively. In a nutshell, the risk of mous...
by robby152
Tue Jun 18, 2013 8:19 am
Forum: Personal Consumer Issues
Topic: Any pipe smokers here? Looking for tobacco recommendations..
Replies: 9
Views: 1400

Re: Any pipe smokers here? Looking for tobacco recommendatio

TT wrote:My favorite tobacco were blends that contained a significant amount of Latakia tobacco.


Good to know. I have recently heard that Dunhill's Nightcap is amazing and want to try it. It is supposed to contain some (alot?) of Latakia.
by robby152
Tue Jun 18, 2013 8:17 am
Forum: Personal Consumer Issues
Topic: Any pipe smokers here? Looking for tobacco recommendations..
Replies: 9
Views: 1400

Re: Any pipe smokers here? Looking for tobacco recommendatio

pennstater2005 wrote:
fatlittlepig wrote:
robby152 wrote: I guess that means it isn't as bad for you?


haha believe what you want my friend

FLP


Sarcasm, anyone?


Seriously, tough crowd (tap tap tap "is this thing on?")
by robby152
Wed May 08, 2013 2:21 pm
Forum: Personal Consumer Issues
Topic: Sources for new start ups.
Replies: 4
Views: 808

Re: Sources for new start ups.

The art of the start by kawasaki and High Tech Startup would be good to read. No start up experience here, but I worked in a VC for a year and those were required readings.
by robby152
Thu Apr 04, 2013 3:47 pm
Forum: Personal Consumer Issues
Topic: Any pipe smokers here? Looking for tobacco recommendations..
Replies: 9
Views: 1400

Any pipe smokers here? Looking for tobacco recommendations..

I searched for a thread on pipes, but couldn't find any so I thought I would see if there are any pipe aficionados lurking about. I have a briar estate pipe that I have been smoking periodically for about 6 months. It is great fun when I am looking to relax by the fire, but I am starting to want to ...
by robby152
Thu Apr 04, 2013 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead like real estate forum
Replies: 22
Views: 4282

Re: Boglehead like real estate forum

I also think that Bogleheads can do real estate if they are so inclined, but you should view it as a business and not simply an 'investment'. If you buy a mexican food restaurant and put 60K into it, you are 'investing' in a job. That job may net you a great salary and a good profit over and above t...
by robby152
Wed Mar 06, 2013 3:00 pm
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 201
Views: 44415

Re: What's your usual retirement day like ?

For a guy that is farther away from retirement than I would like due to my age, reading this stuff is awesome. I think it helps to see that what most people dismiss due to their own despair of not being able to achieve (i.e. 'I will never [be able to] retire'), you guys are purely enjoying. Most of ...
by robby152
Thu May 10, 2012 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Consulting Rate
Replies: 9
Views: 1058

Re: Consulting Rate

I agree with the earlier posters and am making a similar transition right now actually. They need me in the middle of a large project, but the time is now to start a new company. So, I am doing part time consulting for about 2.3 times current hourly rate. The thing to consider is how you are to be b...
by robby152
Mon Oct 24, 2011 9:38 am
Forum: Personal Consumer Issues
Topic: How do you live your life?
Replies: 94
Views: 45019

Re: How do you live your life?

Your last question about being great is an interesting one. I think that greatness is something that the media and others will try to define for you, but only you can define for yourself. It comes back to the classic tombstone question - what you want written on your tombstone? Is it a big business ...
by robby152
Fri Oct 21, 2011 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card bonuses
Replies: 19
Views: 2179

Re: Credit card bonuses

I recommend heading over to http://www.flyertalk.com and reading up there. Not only will you find answers to your question, but you will meet tons of helpful people who can explain both the why and the how behind using credit cards to accrue up to 500,000 miles per year relatively easily.
by robby152
Thu Oct 28, 2010 9:53 am
Forum: Investing - Help with Personal Investments
Topic: 23yr Old New to Investing
Replies: 6
Views: 1893

A couple of thoughts: 1. If I were you, I would come up with a 6 month emergency fund based on when/if you move out from your parent's house. That way when you do want to move, you will be ready to go. While it is great that you have minimal expenses now, it sounds like you are trying to prepare for...
by robby152
Thu Oct 14, 2010 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Persuing Finance degree, somewhat unsure of future
Replies: 26
Views: 3887

As a 26 year old with a freshly minted MBA in Finance, here are my $0.02. My undergrad degree was in MIS. Boom, lots of opportunities (hint: due to technical skill set from degree). Took one in the town I wanted to stay in making OK money, no big deal. The job was more technical than I was really wa...
by robby152
Tue Sep 21, 2010 10:53 am
Forum: Personal Consumer Issues
Topic: 2 month vacation - where to travel
Replies: 31
Views: 5762

If you like the idea of a group tour, www.gapadventures.com is a great company. My wife and I did a 2 week in southern Africa and it was wonderful. They have different levels of roughing it. We did a 'classic' style, and it was very enjoyable. Most of their trips are stackable, so you can go for as ...
by robby152
Wed Sep 08, 2010 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: VTWSX is roughly 38.9% US?
Replies: 10
Views: 2745

Thanks to all so far. Good points. OP, I think I was getting the two a little confused, though it is easy to do as even the concept of the efficient frontier is backwards looking. Taylor, just to clarify, all of these holdings are in tax-advantaged accounts and I have held the VTWSX for over 2 month...
by robby152
Wed Sep 08, 2010 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: VTWSX is roughly 38.9% US?
Replies: 10
Views: 2745

VTWSX is roughly 38.9% US?

I currently use a two fund selection of Vanguard Total World (VTWSX) and Vanguard Total Bond (VBMFX) to keep a 90/10 portfolio. I decided to use this as I have been and still am a young accumulator (mid to late 20s) and want to have a simple plan while my overall portfolio size is still relatively l...
by robby152
Tue Aug 31, 2010 3:31 pm
Forum: Personal Consumer Issues
Topic: How much to spend on a vacation?
Replies: 30
Views: 5039

I went on a 7-8 week trip after graduating college a couple of years ago, and it was totally worth it. One of the best trips in my life. It cost about $5000 if I remember correctly, but we went to about 10 countries. Highly recommend Rick Steves, especially for the hole-in-the-wall places no one els...
by robby152
Thu Jun 18, 2009 3:56 pm
Forum: Investing - Theory, News & General
Topic: The CalPERS "smoothing" plan
Replies: 20
Views: 3266

Can anybody explain what this means in non actuarial language?

Just curious, as I am researching CalPERS as part of an internship this summer.
by robby152
Fri Dec 19, 2008 10:20 am
Forum: Investing - Theory, News & General
Topic: Niederhoffer Blows Up...Again
Replies: 47
Views: 13314

I'll be brief, and only address one point - leverage. It seems to me that the more leverage you apply, the further you likely are from adding value to the whole human endeavor and the more you are likely a plain speculator. I am neither a pure capitalist, nor a budding socialist, but I think that t...
by robby152
Thu Dec 18, 2008 11:16 am
Forum: Personal Consumer Issues
Topic: Question about price of oil rigs, equipment
Replies: 4
Views: 1255

Not sure what you are trying to learn, but you have to also factor in the price of 'soft' assets - petroleum engineer fees, seismic readings, horizontal drilling specialists (if you are going horizontal). I don't believe that the prices for those expenses are fluctuating with the price of oil/steel....
by robby152
Thu Dec 11, 2008 11:58 am
Forum: Personal Consumer Issues
Topic: Why I shut down half of my business this week
Replies: 29
Views: 6445

stjoe56, This is very interesting, as I just had a similar discussion with my dad over Thanksgiving. His business is in oil and gas exploration, but he is a one man operation with a heavy dependence upon renting lists, sending out thousands of mailers, etc. One problem he has dealt with is the need ...
by robby152
Thu Dec 11, 2008 11:40 am
Forum: Personal Finance (Not Investing)
Topic: College Financing
Replies: 19
Views: 2907

I would say that the important thing is to sit the 16-year old down now and say that you guys are going to have to start getting creative about college financing. If your child is involved in the process, you might find out more. For example, the high school may have lots of information available a...
by robby152
Thu Dec 11, 2008 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Why do companies pay dividends?
Replies: 35
Views: 8295

Actually, I was wrong when I said dividends are the only value. The voting rights that the share of stock provides also have value. I tend to forget this because the number of shares I have is so negligible. Voting rights are a lever that shareholders can use to force payment of dividends. So, in f...
by robby152
Wed Dec 10, 2008 11:52 am
Forum: Investing - Theory, News & General
Topic: Are You A Market Timer? Post Confessions Here...
Replies: 73
Views: 11155

I confess that my 401K/Roth IRA is so small that I have no temptation to stray from any 'boglehead' approach. If Taleb is right, and we feel losses more than we celebrate gains, then I would be exacting an 'expense ratio' on my own lifespan of approximately .0247% in the form of stress and loss of s...
by robby152
Mon Dec 08, 2008 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Graduating soon, what jobs are there in finance?
Replies: 6
Views: 1873

hah, very cool. I'm gonna take whatever I can find. I'd rather not stay in Orlando, but if something pops up, maybe I'll stay. I'm taking the GMAT at the end of the year just to keep my options open, but I'm pretty much ruling it out unless if i get a 700+. Good luck, I hope you enjoy what you do T...