Search found 1314 matches

by 1210sda
Sun Apr 22, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI
Replies: 175
Views: 9503

Re: KF's simple rules to achieve FI

Folks, As I had said right at the beginning of the thread, the difference between saving at a high level or not comes down to the big purchases: house, car, and college education. This is true for many folks. At my level, it is usually the house. KlangFool Yep! I would add....Private school (K-12),...
by 1210sda
Fri Apr 20, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 90
Views: 6194

Re: NYT article: Everyone should hire a financial planner

There may be times when you need a financial planner and times when you don't need a financial planner.

But if you don't know whether you need a financial planner, you need a financial planner.

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by 1210sda
Fri Apr 20, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4426

Re: Factor in evaluating Physicians

daveydoo wrote:
Fri Apr 20, 2018 3:21 pm
But when you are bought and paid for by a drug (or other) company, you are not objective.
How is the patient suppose to know if his/her physician was "bought and paid for by a drug (or other) company"?

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by 1210sda
Fri Apr 20, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4426

Re: Factor in evaluating Physicians

Wow! One of my physicians is on the list for big bucks. Mostly "promotional speaking/other" and "consulting". I am concerned about damaging our relationship (which is quite good right now) by questioning him on this. What I will use this information for is to keep a wary eye on any brand name drug r...
by 1210sda
Wed Apr 18, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 7959

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

1. SWR takes inflation into account. 2. Based on 4% SWR for 30 years, 2.5% SWR seems acceptable for 50 years. 3. You have no desire to leave an inheritance. (unless your portfolio does better) 4. You'll be getting social security at age 62 to 70. 5. You'll be on medicare at age 65 6. Hopefully you h...
by 1210sda
Tue Apr 17, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 6502

Re: Help me explain why pre-tax investing can help when retiring in same bracket

When even Bogleheads have a hard time with this, it's no wonder you are having a hard time explaining to your friends. (I'm assuming they are non-BH's).

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by 1210sda
Sat Apr 07, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 39
Views: 3908

Re: Who uses the 3 fund portfolio ?

I used a basic 3 or 4 fund portfolio for a number of years. A few months ago I started to switch accounts to a Vanguard LifeStrategy fund that was close enough to my desired asset allocation. I had no issue myself with the 3 or 4 fund portfolio, I didn't mind re-balancing. I am switching to a fund-...
by 1210sda
Fri Apr 06, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 39
Views: 3908

Re: Who uses the 3 fund portfolio ?

Other than a couple of local bank accounts, my entire portfolio is in the 3 fund portfolio (along with Prime MMF). I'm in my 17th year of retirement. It wasn't always this way. I began investing over 35 years ago. I made plenty of mistakes along the way (especially at the start). I gradually evolved...
by 1210sda
Sun Apr 01, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: 4% SWR - planning for worst, hoping for better
Replies: 37
Views: 2142

Re: 4% SWR - planning for worst, hoping for better

There seem to be a lot of interesting interpretations of the 4% rate here. As I've pointed out in other threads, I don't think a lot of Bogleheads would be on board with someone retiring with a 6% SWR just because a few months before they could have retired with a 4% SWR, even though that's what th...
by 1210sda
Fri Mar 30, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: Tax Advantaged Investment Calculator
Replies: 19
Views: 867

Re: Tax Advantaged Investment Calculator

Ok, I agree. The income needed to fill the O% and 10% brackets is $43,050. ($43,050-24,000=$19,050; Tax is $1,905) Therefore, $43,050 divided by 4% = $1,076,250. What about if you have say a pension of $30,000. $43,050 less $30,000 = $13,050. $13,050 divided by 4% = $326,250. Am I missing something...
by 1210sda
Fri Mar 30, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Tax Advantaged Investment Calculator
Replies: 19
Views: 867

Re: Tax Advantaged Investment Calculator

Ok, I agree. The income needed to fill the O% and 10% brackets is $43,050. ($43,050-24,000=$19,050; Tax is $1,905) Therefore, $43,050 divided by 4% = $1,076,250. What about if you have say a pension of $30,000. $43,050 less $30,000 = $13,050. $13,050 divided by 4% = $326,250. Am I missing something ...
by 1210sda
Fri Mar 30, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: Tax Advantaged Investment Calculator
Replies: 19
Views: 867

Re: Tax Advantaged Investment Calculator

Sorry, I didn't write what I meant. When I said "tax advantaged account", I really meant to say "traditional ira".

Does that change anything?

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by 1210sda
Fri Mar 30, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Tax Advantaged Investment Calculator
Replies: 19
Views: 867

Re: Tax Advantaged Investment Calculator

Because the first $600k of tax-deferred assets will produce an annual income of around $24k (4%). For a married filing jointly couple, that is equal to the standard deduction, meaning that they will pay zero Federal income taxes on it (aside from Social Security, if applicable yet). There's no way ...
by 1210sda
Tue Mar 27, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: DFA Funds Direct Access w/o Advisor ? John Hancock
Replies: 15
Views: 1975

Re: DFA Funds Direct Access w/o Advisor ? John Hancock

Blue, Vanguard LifeStrategy Moderate, a 60/40 fund based on total market index funds. Red, the Bill Schultheis Coffeehouse Portfolio, a round-number DFA-like portfolio based on Vanguard index funds. Orange, one of Larry Swedroe's model portfolios from his 1998 book, using DFA funds. Nisi, 1. When d...
by 1210sda
Thu Mar 22, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisory opinion on Vanguard Total World Index Fund
Replies: 11
Views: 1676

Re: Vanguard Personal Advisory opinion on Vanguard Total World Index Fund

If you value simplicity, have you considered the Vanguard LifeStrategy Moderate Growth Fund (VSMGX) ? It's a 60/40 fund with holdings: Vanguard Total Stock Market Index Fund Investor Shares 36.2% Vanguard Total Bond Market II Index Fund Investor Shares* 28.0% Vanguard Total International Stock Inde...
by 1210sda
Wed Mar 21, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 9488

Re: Maybe Ramsey is right

From the SPIVA US Scorecard.....
Fees:
The fund returns used are net of fees, excluding loads.


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by 1210sda
Tue Mar 20, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Retirement will cost the average American $828,000
Replies: 36
Views: 5884

Re: Retirement will cost the average American $828,000

I don't particularly like Motley Fool and that's a dim article anyway. Unclear if it includes things like pensions and SS. And I spend considerably more than their $46,000/year in retirement... Yep, "dim article" !! Author is planning for an "average" 18 year retirement. That's to age 83. If that's...
by 1210sda
Mon Mar 19, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement will cost the average American $828,000
Replies: 36
Views: 5884

Re: Retirement will cost the average American $828,000

I don't particularly like Motley Fool and that's a dim article anyway. Unclear if it includes things like pensions and SS. And I spend considerably more than their $46,000/year in retirement... Yep, "dim article" !! Author is planning for an "average" 18 year retirement. That's to age 83. If that's...
by 1210sda
Sun Mar 18, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 8205

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

It seems you had an expectation of what you wanted to hear from the BH forum and are disappointed to be hearing something very different. Agree with D&G. Appears you had your mind made up before you posted and were seeking confirmation from the BH's. Just didn't happen because the problem is obviou...
by 1210sda
Fri Mar 16, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: How does everyone here earn so much?
Replies: 131
Views: 7048

Re: How does everyone here earn so much?

$300k in NYC/BOS/CHI/Bay vs $90k in ATL/CLT/DAL/JAX might be closer than you think .... I agree with the above. First, you shouldn't be comparing salaries. But, if you are so inclined, then you need to make some adjustments. Salary by itself is not necessarily a meaningful guide. Adjustments should...
by 1210sda
Thu Mar 08, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard’s online RMD tool updated to facilitate QCDs
Replies: 21
Views: 1423

Re: Vanguard’s online RMD tool updated to facilitate QCDs

In my version of Vanguard's website..... First, click on your IRA. Click the "Transact" button to get drop down box for Buy/Sell/Exchange. Click on "Sell". You are asked "Where's the money coming from?" Click appropriate holding. Then you are asked Where's the money going? On the drop down box, choo...
by 1210sda
Wed Mar 07, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Is Cash Trash? The Purpose of Cash
Replies: 178
Views: 17777

Re: Is Cash Trash? The Purpose of Cash

Using expected returns of 1.5% for cash, 3.0% for bonds and 7.0% for equities, I got the following. A $1,000,000 portfolio with a 60/40 AA would have a return of $54,000. A $1,000,000 portfolio with a 60/35/5 AA would have a return of $53,250. A $750 difference on a $1,000,000 portfolio for one year...
by 1210sda
Wed Mar 07, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 24870

Re: Where to buy a Vanguard hat? An Update and good news

What is the connection between Vanguard and "#investing like a boss" that's on the free coffee cup?

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by 1210sda
Sat Mar 03, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: "Making a Difference" by Jonathan Clements
Replies: 29
Views: 3388

Re: "Making a Difference" by Jonathan Clements

Great article. I'm forwarding a copy to my kids.
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by 1210sda
Fri Mar 02, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 24870

Re: Where to buy a Vanguard hat? An Update and good news

I sent a private message from their Facebook page and I have a new Vanguard coffee mug on the way! They responded in less than a day. I don't know how many they have left but all I did was leave my name and address through the PM. Here's the mug: http://i63.tinypic.com/abp89t.jpg And here's the FB ...
by 1210sda
Thu Mar 01, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 232
Views: 49171

Re: A Returns Spreadsheet for Bogleheads

Thank you Longinvest for all the tools you have provided for BH's.
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by 1210sda
Mon Feb 19, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 168
Views: 17590

Re: Retirees: The common sense withdrawal method

At 71 years young , Taylor Larimore's method has worked very well for me in retirement. I think of it as "common sense" and a 'keep-it-simple-stupid' (KISS) combined approach. Bottom line- What works for me might not work for others, so I suggest the naysayers of'Taylor's method do it there way and...
by 1210sda
Tue Jan 30, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Account Permissions Page on Vanguard website: CONFUSING
Replies: 5
Views: 480

Re: Account Permissions Page on Vanguard website: CONFUSING

Does anyone else find this page confusing? So much redundancy. On one section I have "Full Authority". Below that I have "Transact Authority" and even farther down I have "View Only" authority.....all on the same account. To overcome my lack of confidence in the granted authorities, I'm going to tr...
by 1210sda
Mon Jan 29, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Account Permissions Page on Vanguard website: CONFUSING
Replies: 5
Views: 480

Account Permissions Page on Vanguard website: CONFUSING

Does anyone else find this page confusing? So much redundancy. On one section I have "Full Authority". Below that I have "Transact Authority" and even farther down I have "View Only" authority.....all on the same account. To overcome my lack of confidence in the granted authorities, I'm going to tra...
by 1210sda
Mon Jan 29, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Any 2018 Tax Estimator Sites?
Replies: 8
Views: 1226

Re: Any 2018 Tax Estimator Sites?

Not on the web, but Turbo Tax Deluxe has a "What if" function that does that.

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by 1210sda
Mon Jan 29, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40796

Re: What frugal thing did you do today?

I don't mind looking maybe not "poor", but at least "not rich".

It's part of my backup Umbrella Liability Policy. :D

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by 1210sda
Sun Jan 28, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8935

Re: WHY do wireless routers need periodic reboots?

You've chosen a poor quality router. A bit of research can help you find a reliable one. It's not necessary to buy a high end consumer router or to buy a commercial quality one to get a reliable one. I paid $50 and mine is reliable. What's the brand and model of your $50 reliable router. Need to ge...
by 1210sda
Wed Jan 24, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: The Money Show - Coming to a Town near you
Replies: 12
Views: 1319

Re: The Money Show - Coming to a Town near you

Years ago, when Jack Bogle was the keynote speaker at the Money Show in Orlando, the Money Show folks invited us to have our Bogleheads group attend. Since it was on rather short notice, we made it an "unofficial" Bogleheads Conference, and thus isn't included in the official Bogleheads Conference ...
by 1210sda
Sun Jan 21, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 54
Views: 9965

Re: Met with a CFP, not too impressed.

UPDATE: After reading Mel Lindauer's post I went to Allan S. Roth's website. I'm am now pulling together data needed so they can review our situation and tell us what they may be able to do for us. I thank every one for their input. Best wishes MrMojoRisin Can you tell us about your experience with...
by 1210sda
Sat Jan 20, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 8486

Re: Fear of dying with too much money?

Personally, if my portfolio tripled over the course of the first 20 years of retirement, I believe that fear would become very real for me. With a 4%WR, and a linear (i.e. no sequence of returns effect) 9.25% cagr for 20 years and you would triple your beginning portfolio. :sharebeer :moneybag 1210
by 1210sda
Sat Jan 20, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018
Replies: 11
Views: 1675

Re: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018

Update from OP. (For those who have Turbo Tax 2017) Just checked my TurboTax 2017 (Deluxe). The "What If" worksheet has been updated to reflect the changes in the new tax bill. New standard deduction, no personal exemptions, new tax brackets, etc. 1210 Hey, thanks for the heads up! I've been waitin...
by 1210sda
Fri Jan 19, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018
Replies: 11
Views: 1675

Re: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018

arcticpineapplecorp. wrote:
Fri Jan 19, 2018 6:25 pm
this one compares 2017 to 2018 and does take the extra deduction for 65+ into consideration:
http://taxplancalculator.com/
Tax Plan Calculator does not consider qualified dividend income or l/t capital gains.
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by 1210sda
Fri Jan 19, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018
Replies: 11
Views: 1675

Re: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018

Update from OP. (For those who have Turbo Tax 2017)

Just checked my TurboTax 2017 (Deluxe).

The "What If" worksheet has been updated to reflect the changes in the new tax bill. New standard deduction, no personal exemptions, new tax brackets, etc.

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by 1210sda
Fri Jan 19, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1318

Re: Yahoo Mail: Delete Not Working

Update from OP. Last night, 6 days after my Yahoo mail went bonkers, it was miraculously restored. I am back to normal. No more jerry rigged approaches. I hope that if someone encounters this type of problem in the future, they'll know that it likely will be resolved in just a few (but frustrating) ...
by 1210sda
Thu Jan 18, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: 1,000th post and a 'No-Fail' Retirement Formula
Replies: 54
Views: 5688

Re: 1,000th post and a 'No-Fail' Retirement Formula

TravelforFun wrote:
Wed Jan 17, 2018 10:04 pm
P = Xn + (X-SS) ÷ 0.03
Very nice for a quick estimate.

It would be less confusing to me if the formula were written:

P = Xn + ((X-SS) / 0.03)

Sorry, I don't have a divide sign on my keyboard. "/" means divide.

Unless I misread it. :confused

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by 1210sda
Tue Jan 16, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 125
Views: 16319

Re: GE and the myth of "safe blue-chip stocks"

Is this correct?? Vanguards Total Stock Market Index Fund (VTSAX) has only market risk. GE (or any individual stock) has both market risk and Individual company risk (or unsystematic risk, or idiosyncratic risk). 1210 I don't think that's correct. VTSAX has the individual companies in it - so, it h...
by 1210sda
Tue Jan 16, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 125
Views: 16319

Re: GE and the myth of "safe blue-chip stocks"

Is this correct??

Vanguards Total Stock Market Index Fund (VTSAX) has only market risk.

GE (or any individual stock) has both market risk and Individual company risk (or unsystematic risk, or idiosyncratic risk).

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by 1210sda
Mon Jan 15, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Money Chimp has a Tax Calculator that figures QDI for Tax year 2018
Replies: 11
Views: 1675

Money Chimp has a Tax Calculator that figures QDI for Tax year 2018

Money chimp now has a tax calculator for your 2018 taxes that includes qualified dividend income (QDI) and long term capital gains. It's pretty good, but does not include the extra standard deduction for over age 65 and does not calculate your taxable social security benefit if you receive one. But,...
by 1210sda
Sun Jan 14, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 4282

Re: Vanguard Personal Advisory Services Fees

No question if everything is in tax-deferred (IRA) or tax-free (Roth) space a single Life-Strategy or similar fund would be the easiest/smartest/cheapest thing to do. If there is a significant taxable portion to the investments with large unrealized capital gains, then the management would be more ...
by 1210sda
Sat Jan 13, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 4282

Re: Vanguard Personal Advisory Services Fees

Two points. 1. Schwab Intelligent Advisory has a 28bps fee per annum. The best part is that they "cap" the fees at $900 per quarter. If someone has a very large portfolio, they could benefit quit a bit from this. ($900 x 4 = $3,600 per year). If you have a portfolio of $3,600,000, the $3,600 would o...
by 1210sda
Sat Jan 13, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1318

Re: Yahoo Mail: Delete Not Working

OP with an update.... You're not gonna believe this!! I now have full access to my yahoo mail. By tinkering around, I found a way around my problem. I go to my yahoo mail homepage. Then I click on my "contacts" icon. Once I'm in "contacts", I click on that page's "Mail" icon. Voila, there it is. All...
by 1210sda
Sat Jan 13, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: What forms are required to support a Qualified Charitable Distribution?
Replies: 5
Views: 307

What forms are required to support a Qualified Charitable Distribution?

I believe that Vanguard (if that's where you have your IRA) will send you a 1099-R showing the amount distributed, coded "7" Normal Distribution. This amount is to be entered on line 15a of Form 1040. Then, on line 15b of the 1040, you enter the taxable amount. This amount is your gross distribution...
by 1210sda
Sat Jan 13, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1318

Re: Yahoo Mail: Delete Not Working

would re-installing Yahoo mail help ? 1210 There's nothing installed on your PC for Yahoo mail. It runs entirely on Yahoo servers, accessed through whichever browser you're using. In that case, can Chrome be re installed. Obviously, I'm willing to try anything. Thank God for my cell phone. At least...