Search found 4 matches

by oldwest
Thu Jul 10, 2014 3:53 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation At or Near Retirement?
Replies: 51
Views: 8698

Re: Asset Allocation At or Near Retirement?

I like some of the newer thinking. Slowly reduce stock exposure until you are almost all cash/bonds by the time you retire, since the biggest risk in the run-up to retirement is a devastating drop in the stock market right around the time you begin your retirement years. Then, steadily increase your...
by oldwest
Wed Jul 09, 2014 2:00 am
Forum: Personal Consumer Issues
Topic: Recommendations on Walking/Trekking poles
Replies: 16
Views: 3493

Re: Recommendations on Walking/Trekking poles

Flip lock telescoping. The lightest and strongest you can afford. Dont like shock absorbers. Bought a higher end pair of Black Diamonds at REI and cant see how I ever lived without them. I like using wrist straps so I am not dependent on hand grip, which can start to fatigue. The wrists and forearms...
by oldwest
Tue Jul 08, 2014 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 7603

Re: Valuing a personal residence for net worth purposes

Of course your home is part of your net worth. An estimate of fair market vale minus 10% for the cost of the sale minus what remains on your mortgage. That is your equity -- simple. The real question is what net worth really means in practice and how it makes you feel. I have a total net worth that ...
by oldwest
Tue Jul 08, 2014 1:44 am
Forum: Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 7345

Re: POLL: Are You Re-Balancing?

I have never been a systematic rebalancer. In 2007 I started to get nervous and shifted new 401k contributions heavily to bonds, something that really took a lot of the sting out of the crash. I have again been letting things ride since then and just this month got nervous enough to take a some of m...