Search found 1200 matches

by 1210sda
Mon Oct 23, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2017 VIDEOS
Replies: 4
Views: 595

Re: BOGLEHEADS 2017 VIDEOS

This really is great for those of us unfortunate folks who were not able to attend. Makes you feel like you are "there".

Thanks

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by 1210sda
Sat Oct 21, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 76
Views: 10531

Re: [favorite] Boglehead quotes

Two quotes from former BH Larry Swedroe that I really like.

1. "Don't confuse strategy with outcome"

2."never treat the highly likely as certain, nor the highly unlikely as impossible".

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by 1210sda
Sat Oct 21, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 79
Views: 12113

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

For others who are interested in Vanguard merchandise, the vendor authorized us to provide these details: "The Vanguard Chandlery" ** Tel: 610-669-2760 (Connie or Marie) Connie_Caldwell@vanguard.com **Chandlery = dealers that provide ship's stores, the shop selling nautical items for ships and boat...
by 1210sda
Fri Oct 20, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 2715

Re: [If I die before my spouse, how to direct Vanguard advisors?]

Pennywise, thank you for your input. I agree that if I did nothing, my wife would be OK. A sort of survival instinct would take over and guide her. But I see nothing wrong in trying to set a plan in place that would improve her odds of not becoming destitute, of being better able to fulfill our char...
by 1210sda
Thu Oct 19, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 2715

Re: [If I die before my spouse, how to direct Vanguard advisors?]

jalbert wrote:
Thu Oct 19, 2017 4:58 pm
If moving everything to LS Moderate is what your spouse wants, your spouse will have to direct Vanguard to make those exchanges, and then manage the withdrawals.
If ...this is the choice that is made, why would you need VPAS (and their 30 basis points costs).

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by 1210sda
Thu Oct 19, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 2715

Re: [If I die before my spouse, how to direct Vanguard advisors?]

That's why threads like this are so good because they raise considerations that people would otherwise overlook (e.g., step-up basis in community property states vs non, how best to leave instructions for the spouse to follow, etc). You're absolutely right. One thing that got my attention was (as C...
by 1210sda
Thu Oct 19, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 2715

Re: [If I die before my spouse, how to direct Vanguard advisors?]

Given all that, it seems like the lifestyle is a pretty good trade-off and greatly simplifies things for her. JBTX, That's how I see it. As I also mentioned, right now we are trying to decide on either the Lifestrategy Moderate Growth fund(60/40), or the Balanced Index Admiral fund(VBIAX) which is ...
by 1210sda
Thu Oct 19, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 2715

Re: [If I die before my spouse, how to direct Vanguard advisors?]

Given all that, it seems like the lifestyle is a pretty good trade-off and greatly simplifies things for her. JBTX, That's how I see it. As I also mentioned, right now we are trying to decide on either the Lifestrategy Moderate Growth fund(60/40), or the Balanced Index Admiral fund(VBIAX) which is ...
by 1210sda
Thu Oct 19, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 2715

Re: [If I die before my spouse, how to direct Vanguard advisors?]

1. So, it looks like you need to create a Letter of Instruction for your wife! 2.It will certainly matter if she draws from taxable, tax-deferred, or from Roth. 3. You can leave her a different set of instructions for this situation, since you don't have the stepped-up basis yet. 1. Thank you for t...
by 1210sda
Wed Oct 18, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 2715

Re: About Vanguard advisors: opinions, thoughts?

As one of those in the same boat, I like your solution BUT I have a couple of questions: 1. Are your taxable accounts jointly owned with your spouse such that she automatically becomes the owner on your death? 2. If so, are you sure the step-up applies? 3. If not, how do you have things set up so s...
by 1210sda
Wed Oct 18, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 2715

[If I die before my spouse, how to direct Vanguard advisors?]

[Moved into a stand-alone thread from: Re: About Vanguard advisors: opinions, thoughts? --admin LadyGeek] I am faced with the same situation that many others have: If I predecease my spouse, she would have difficulty maintaining our portfolio, simple as it might be. We currently have all of our mon...
by 1210sda
Tue Oct 17, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 96
Views: 8253

Re: how long did it take to get used to retirement

For the first year after I retired, we (dw and me) spent a lot of time planning our relocation from the midwest to the southwest. We had tons of packing, cleaning, throwing out useless stuff and just generally getting the house ready for listing with a real estate broker. Of course, we took our swee...
by 1210sda
Sun Oct 15, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Wade Pfau’s new book: How Much Can I Spend in Retirement?
Replies: 25
Views: 5446

Re: Wade Pfau’s new book: How Much Can I Spend in Retirement?

I hope this qualifies as one of Taylor's investment gems.

1210sda
by 1210sda
Mon Oct 09, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Combining spouses separate accounts into one joint account. Any downsides?
Replies: 19
Views: 1431

Re: Combining spouses separate accounts into one joint account. Any downsides?

Gill wrote:
Sat Oct 07, 2017 4:01 pm
You lose the right to dispose of your property by will if it is all held jointly.
Gill
Why is this a problem?

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by 1210sda
Mon Oct 09, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 6521

Re: Has your "risk tolerance" been tested?

2) Job security: I remember "fondly" getting promoted to an upper upper tier leadership position, making the most money I'd ever made in my life, only to have that entire tier of leadership dissolved the next year. For my age, the statistics showed it should have taken well over year to get another...
by 1210sda
Fri Sep 29, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7047

Re: 3 stages of Financial Independence

3) Abundance - You have your basic expenses covered, you buy what you need when you need it and maybe upgrade when you do, you participate in hobbies or travel without regard to expense. The level of income your portfolio/pension/SS/etc. is expected to provide meaningfully exceeds the expectations ...
by 1210sda
Wed Sep 27, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 6010

Re: My Smartest Financial Moves

1.Discovering the "Bogleheads"
2. Passive Investing
3. The Three Fund Portfolio.
4. Vanguard
(Not in order of importance) :)

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by 1210sda
Wed Sep 27, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2343

Re: Edward Jones (again)

JW-Retired mentioned that EJ is moving to a 1.35% of AUM.

Don't know how close you are to retirement, but if you were in retirement and getting charged a 1.35% fee, that's over 1/3 of the typically recommended SWR of 4%.

That's a lot of handholding.

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by 1210sda
Mon Sep 25, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying portfolio
Replies: 43
Views: 3439

Re: Simplifying portfolio

I strongly suggest keeping rollovers of employer plans separate from the IRA(s) in which you made a tax-deductible contribution directly into the IRA. If you should also have traditional IRAs with non-deductible contributions, those also should be kept in a third IRA. The reason involves the possib...
by 1210sda
Mon Sep 25, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11732

Re: Lifestyle Creep

If you live happily on $80k, you need $1 million to maintain that lifestyle. If you let your lifestyle creep up to $120k a year, not only are you saving less each year, but now you need $3 million instead of $2 million. So lifestyle creep counts twice against you. You have to be careful. Hi Homer. ...
by 1210sda
Wed Sep 20, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location: 401k All Fixed Income?
Replies: 16
Views: 1136

Re: Asset Location: 401k All Fixed Income?

aristotelian wrote:
Wed Sep 20, 2017 9:11 am
My assumption is that they are not market timing in their taxable accounts or IRA's and they are contributing every year.
Your assumption is correct.

Thank you

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by 1210sda
Wed Sep 20, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location: 401k All Fixed Income?
Replies: 16
Views: 1136

Re: Asset Location: 401k All Fixed Income?

Raabe34 wrote:
Wed Sep 20, 2017 9:01 am
Why don't you take this opportunity to reflect on the AA.
Precisely what we are doing.

Thanks again for all the valuable input.

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by 1210sda
Wed Sep 20, 2017 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location: 401k All Fixed Income?
Replies: 16
Views: 1136

Re: Asset Location: 401k All Fixed Income?

grabiner wrote:
Tue Sep 19, 2017 9:32 pm
Conversely, if the only low-cost option in the 401(k) is an S&P 500 index, the expense difference is greater than any increased tax cost for holding bonds in the 401(k).
Not sure I follow.

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by 1210sda
Tue Sep 19, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Location: 401k All Fixed Income?
Replies: 16
Views: 1136

Re: Asset Location: 401k All Fixed Income?

Thanks to all.

This is what I was hoping to hear from fellow BH's. I felt this was the correct guidance for my kids, I just wanted to some support on this.

1210

P.S. It's good to be aware of the re balancing and capital gains issue.
by 1210sda
Tue Sep 19, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Location: 401k All Fixed Income?
Replies: 16
Views: 1136

Asset Location: 401k All Fixed Income?

I'm just looking for some feedback in case I'm missing something. I'm trying to guide my kids. I've taught them to start saving early. Therefore, they have a decent taxable account. If they have enough in their taxable accounts to fill their desired allocation to equities, then they should consider ...
by 1210sda
Sat Sep 16, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Could Credit Karma (app) be blocking my free annual credit report?
Replies: 13
Views: 1427

Re: Could Credit Karma (app) be blocking my free annual credit report?

I've used Credit Karma for several years without issue. It soft pulls TransUnion and Equifax reports weekly and it doesn't sign you up for any services unless you request it to. Credit freezes interfere with credit pulls and annualcreditreport.com sometimes. (Re: bold and underlined) Does that mean...
by 1210sda
Thu Sep 14, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 5780

Re: "Fear of Finance?" AARP interview with Jack Bogle

Mr Bogle said on page 57 of the magazine.....If you have a return of 7 percent but paid the manager and wall street 2 percent, you'll make 5 percent...... You put up 100 percent of the cash, took 100 percent of the risk and got 33 percent of the return. [/u] Was that possibly a typo?? Shouldn't it s...
by 1210sda
Sun Sep 10, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47363

Re: Equifax customer information leak

Me too,

I now have an "enrollment date for TrustedID Premier"

Thank you Equifax. ( :annoyed )

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by 1210sda
Thu Sep 07, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: What does "beat the market" mean?
Replies: 40
Views: 1827

Re: What does "beat the market" mean?

I think I get what you're after: https://web.stanford.edu/~wfsharpe/art/active/active.htm. It is necessarily true that the average investor can't do better than the average investor. But that alone still allows for the possibility that, e.g., half of all investors beat the market in the long term, ...
by 1210sda
Tue Sep 05, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3839

Re: Did Charmin UltraSoft TP become "UltraThin"?

Charmin has not been rated by CR well in the past few years. Top paper is sold by Walmart (forgot the name but its White-something and its 3-ply) followed by Northern which sometimes goes on sale in Costco. I too forgot the name. I don't normally grocery shop at Walmart, but I would make a special ...
by 1210sda
Sun Sep 03, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1544
Views: 273403

Re: What are you up YTD? [Year To Date]

The Vanguard Lifestrategy Moderate Growth Fund (VSMGX) which is a 60/40 fund had a ytd return as of 8/31/2017 of 9.77%. If you are getting more, then you have: 1. You have generated alpha or, 2. You are taking on more risk 3. Or maybe...... :wink: :happy 1210 4) you are better diversified. Lifestra...
by 1210sda
Sat Sep 02, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1544
Views: 273403

Re: What are you up YTD? [Year To Date]

The Vanguard Lifestrategy Moderate Growth Fund (VSMGX) which is a 60/40 fund had a ytd return as of 8/31/2017 of 9.77%. If you are getting more, then you have: 1. You have generated alpha or, 2. You are taking on more risk 3. Or maybe...... :wink: :happy 1210 4) you are better diversified. Lifestra...
by 1210sda
Sat Sep 02, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1544
Views: 273403

Re: What are you up YTD? [Year To Date]

The Vanguard Lifestrategy Moderate Growth Fund (VSMGX) which is a 60/40 fund had a ytd return as of 8/31/2017 of 9.77%.

If you are getting more, then you have:

1. You have generated alpha or,
2. You are taking on more risk
3. Or maybe...... :wink: :happy

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by 1210sda
Fri Sep 01, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 36270

Re: Michael Kitces 4% rule podcast on Madfientist

Thank you camper 1

Do you know if there is a transcript of the interview available ??

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by 1210sda
Thu Aug 31, 2017 4:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17081

Re: Is Bogelheads getting less interesting?

I was pondering the same question. It might be that Bogleheads is a victim of it's own success. Back in 2007 (and before that with the Diehards) it seems the flavor of the forum involved more folks who were approaching or in retirement. As we've grown in size, the age profile of the Bogleheads is mu...
by 1210sda
Wed Aug 30, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: How do you reverse a lifetime of frugality and learn to spend some money?
Replies: 59
Views: 6410

Re: How do you reverse a lifetime of frugality and learn to spend some money?

Some people are helped by quantifying things by setting budgets related to a plan or model for how you expect investments, sources of income, expenses and so on to work out. If nothing else just writing things down where you can see it all in one place can help. Spreadsheets are great tools for thi...
by 1210sda
Tue Aug 29, 2017 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning management of investments as cognitive ability declines
Replies: 46
Views: 4150

Re: Transitioning management of investments as cognitive ability declines

The simplicity of this appeals to me, although I don't think I'd be comfortable with a single fund. What is your concern with a single fund? Many, many BH's are using Target Date funds or Lifestrategy funds from Vanguard. Currently I use the 3 fund portfolio, but DW (and Vanguard) have specific ins...
by 1210sda
Wed Aug 23, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: Great Depression Videos on You Tube
Replies: 23
Views: 2648

Re: Great Depression Videos on You Tube

You might even get the impression that if you don't panic, and just hang on to your investments you will end up OK. Thank you JW. Yes, I was trying to get an idea (very general at that) of how a typical BH might compare to small investor of that time. According to the video, there was a lot of spec...
by 1210sda
Wed Aug 23, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Great Depression Videos on You Tube
Replies: 23
Views: 2648

Re: Great Depression Videos on You Tube

Valuethinker wrote:
Wed Aug 23, 2017 5:10 am
S&P 500 of course did not exist, but there is data for the Dow.
Thank you Valuethinker. I wonder where Ibbotson gets his info from? They have returns for the SP500 starting in 1926.

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by 1210sda
Tue Aug 22, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: Great Depression Videos on You Tube
Replies: 23
Views: 2648

Re: Great Depression Videos on You Tube

Very interesting videos. Does anyone know where to find stats for the 1929 thru 1932 period? (October 1929 thru Dec 1932, or if too hard to find, Jan 1929 thru Dec 1932) Things such as Total Return (or Total Loss) for the 3 or 4 year period for: SP 500 L/T Govt Bonds T Bills Inflation Real Estate . ...
by 1210sda
Tue Aug 15, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 65
Views: 7359

Re: Dave Ramsey spends two segments on his investing advice

Using Portfolio Analyzer , since January 1987 through July 2017, the CAGR for VFINX was 10.20% and the CAGR for the DR portfolio was 10.65%. I am not sure whether this factors in the front-end load or not. DR had a slight edge in Sharpe and Sortino Ratio. Looking briefly at the annual returns bar g...
by 1210sda
Mon Aug 14, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 65
Views: 7359

Re: Dave Ramsey spends two segments on his investing advice

Larry Swedroe has a wonderful little book (less than 100 pages) called "The Incredible Shrinking Alpha".

If reading that book doesn't convince you that active management beating passive investing is very difficult, then nothing will.

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by 1210sda
Mon Aug 14, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 65
Views: 7359

Re: Dave Ramsey spends two segments on his investing advice

Vanguard's 500 fund has a minimal tracking error. (over 99% of the index since inception). Therefore, one can have a high degree of confidence that the fund will approximately match the market return in the future. One can't say that for an American Fund (of comparable risk). The examples being cite...
by 1210sda
Mon Aug 14, 2017 4:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Antonio Local Chapter Established
Replies: 28
Views: 2811

Re: San Antonio Local Chapter Established

Email link doesn't work for me......
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by 1210sda
Fri Aug 11, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Will vs Living Trust
Replies: 59
Views: 5738

Re: Will vs Living Trust

One benefit mentioned for the trust is privacy of the finances by total avoidance of probate This is a routine pitch used to sell trusts. Probably written by the same guy who wrote the script brokers use on Bogleheads, "You don't really want just average results, do you?" Yep. Under a Will, only th...
by 1210sda
Thu Aug 10, 2017 7:17 am
Forum: Investing - Theory, News & General
Topic: 4% Rule has changed.....not
Replies: 80
Views: 8570

Re: 4% Rule has changed.....not

I guess the Phd/CFP forgot to mention that many retirees have several years of expenses in "cash" and would not have had to sell any (or very little) equities during those 3 or 4 minus 20% years.

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by 1210sda
Wed Aug 09, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to title residence in a community property state (Texas)
Replies: 0
Views: 225

How to title residence in a community property state (Texas)

Because of the $500,000 capital gains exclusion on a primary residence, does it matter if it's titled as JTWROS or CPWROS?(state of Texas).??

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by 1210sda
Tue Aug 08, 2017 2:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Celebrating 30 years with Vanguard!
Replies: 25
Views: 2268

Re: Celebrating 30 years with Vanguard!

Ah, such memories. I'm looking at my statement right now. On July 9, 1986 (31 years and almost a month ago) I invested $2,000 In the Vanguard Index Trust 500 Portfolio. Share price was $26.48, so I received 75.529 shares. Yes, the logo was indeed "The Vanguard Group of Investment Companies". This wa...
by 1210sda
Sun Aug 06, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Credit Card company email "Do you recognize this purchase?"
Replies: 27
Views: 2353

Re: Credit Card company email "Do you recognize this purchase?"

How did they manage to make a charge on a closed account? That would make me think that the account is not closed. If not, why not? Do you want it open? If so it seems that you will be exposed to other potential fraud. I'd ask some more questions. Where did you see "closed"? The OP said that it had...