Search found 131 matches

by AlohaBill
Wed Oct 14, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Favorite Horror Books
Replies: 34
Views: 1741

Re: Favorite Horror Books

John Hersey-HIROSHIMA
ELIE WIESEL (sp) NIGHT
by AlohaBill
Fri Oct 02, 2020 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: If you have a pension, how do you view it?
Replies: 190
Views: 12679

Re: If you have a pension, how do you view it?

From 2010 to 2013, we spent on average $45,000 per year. In 2016 we spent $33,000 including a ten day trip to Hawaii. Our pension and social security with 2% cola covers $75000. With our investments, we have only had to take out under 1% since full retirement in 2017. This to pay for rather large ir...
by AlohaBill
Mon Sep 28, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: Otar’s 4th year checkup
Replies: 2
Views: 505

Otar’s 4th year checkup

Has anyone used Otar’s 4th year checkup to see if you’ll have bad luck with retirement savings lasting for twenty years. He states that if your retirement portfolio is worth more 4 years after you retire, then you are good to go for twenty years. We are three years into retirement and our portfolio ...
by AlohaBill
Thu Sep 24, 2020 10:01 am
Forum: Investing - Theory, News & General
Topic: Stock Market Recent Sell Off Mystery
Replies: 67
Views: 6724

Re: Stock Market Recent Sell Off Mystery

Morningstar had an article recently that said money was moving from stock funds into bond funds, bigly.
by AlohaBill
Fri Sep 18, 2020 10:50 am
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 86
Views: 11942

Re: Suggestions for 100x moonshots

Try C O T Y
by AlohaBill
Wed Sep 16, 2020 6:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20302
Views: 2774860

Re: U.S. stocks in free fall

Semantics,
Morningstar reported today that there are large outflows from stock funds into bond funds. I think for at least the last two months. Cheers.
by AlohaBill
Wed Sep 16, 2020 5:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9361
Views: 745788

Re: U.S. stocks continue to soar!

Morningstar is reporting large flows leaving stock funds and going into bond funds for the last couple of months. I wonder if this portends anything.
by AlohaBill
Sun Sep 13, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have a Net Worth in the 1% by age?
Replies: 42
Views: 5237

Re: Anyone have a Net Worth in the 1% by age?

Didn’t you say you had a net worth of 10 million? Are you bragging here?
by AlohaBill
Mon Aug 31, 2020 11:05 am
Forum: Investing - Theory, News & General
Topic: How long could you live off your portfolio if the worst happened?
Replies: 110
Views: 10732

Re: How long could you live off your portfolio if the worst happened?

We can live off our portfolio until we die. If my wife precedes me in death, I don’t think I would last more than a month. That would be the worst thing that could happen or I get a very bad stroke and she has to take care of me.
by AlohaBill
Tue Aug 25, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 31953

Re: What is the best concert you ever witnessed?

My future fiancée, my UH roommate and I saw Olomana two nights in a row opening a new downtown Honolulu hotel in 1978. Most romantic evening I ever had! We’ve been married 41 years this month.
by AlohaBill
Mon Aug 17, 2020 8:09 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31313

Re: What surprised you the most once you retired?

Hi swamp donkey,
I was a Peace Corps Volunteer about 50 years ago on the island of Mejit.
by AlohaBill
Sun Aug 16, 2020 6:12 pm
Forum: Investing - Theory, News & General
Topic: The 0.5% Rule (SWR) [Safe Withdrawal Rate]
Replies: 419
Views: 24458

Re: The 0.5% Rule (SWR)

ooo,
You do know that the average life expectancy in the good ole USA has been in decline since 2014. I should think after all is said and done about COVID 19 the decline will continue. Cheers!
by AlohaBill
Thu Jul 30, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Living on a pension and social security
Replies: 9
Views: 1210

Living on a pension and social security

How many of you Bogleheads can live comfortably on your pensions, social security and annuities?
by AlohaBill
Thu Jul 30, 2020 10:55 am
Forum: Personal Investments
Topic: Asset Allocation - Include Future Pension Payout?
Replies: 8
Views: 525

Re: Asset Allocation - Include Future Pension Payout?

How much would you pension pay out monthly?
by AlohaBill
Tue Jul 28, 2020 3:18 pm
Forum: Personal Investments
Topic: Thoughts on This Portfolio For a 24 Year Old
Replies: 37
Views: 2315

Re: Thoughts on This Portfolio For a 24 Year Old

What are you investing for? You are young and in the consumer stage. Are you planning on marrying and having a family? Are you thinking of buying a home? Buying a car? Starting early for retirement? Have you been through a serious stock market debacle? I suggest reading Managing the Most of Your Mon...
by AlohaBill
Thu Jul 23, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31313

Re: What surprised you the most once you retired?

Hi flying away, I asked my wife just that. She is Chinese so her saving perspective is a little different. She said it means we are good savers. As for missing out, we have had an interesting journey. From1973 to 1989 we have lived in the Marshall Islands, Hawaii, Japan, Saudi Arabia and finally fro...
by AlohaBill
Thu Jul 23, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31313

Re: What surprised you the most once you retired?

I retired about 14 years ago due to health problems. My wife retired 3 years ago. The first thing that has surprised me is I am still alive. I set up a Retirement Policy Statement with the 4% rule unadjusted for inflation. I also soon realized I didn’t need any of our savings! Our ss and pension cov...
by AlohaBill
Sat Jul 18, 2020 10:09 am
Forum: Personal Investments
Topic: Until What Age Would You Recommend 0% Bond Allocation?
Replies: 149
Views: 8261

Re: Until What Age Would You Recommend 0% Bond Allocation?

I would never recommend 100% stock. From 1979 to 1989 we were 25% stk/75% cash and bonds We bought a house in 1990 Saving for retirement: From 1990 to 2000 we were 75% stk/25% bond and cash. Told I was dying: From 2000 to 2003 we were 10% stk to 90% cash/bond. Didn’t die: From 2003 to present we are...
by AlohaBill
Sat Jun 20, 2020 1:33 pm
Forum: Personal Investments
Topic: AA recommendation? Just starting Roth IRA
Replies: 20
Views: 1049

Re: AA recommendation? Just starting Roth IRA

What are you investing for? Do you have plans for a family? A house? Retirement? Have you been through a serious downturn with serious money lost? Putting 100% in stocks for short term goals is dangerous! I like petro’s suggestions. I think taking about 10 years to begin learning about investing is ...
by AlohaBill
Thu Jun 04, 2020 11:38 am
Forum: US Chapters
Topic: Shout out to Sheepdog
Replies: 25
Views: 4363

Re: Shout out to Sheepdog

Great to hear from you! When I visit my sons or they visit me, we only talk through the doors! One four year old grandson says goodbye when he opens the door! Stay safe!
by AlohaBill
Wed Jun 03, 2020 4:30 pm
Forum: US Chapters
Topic: Shout out to Sheepdog
Replies: 25
Views: 4363

Shout out to Sheepdog

I was just worrying about Mr. Sheepdog and how he is holding up in these difficult times.
Bill
by AlohaBill
Thu May 07, 2020 11:39 am
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10841

Re: A bond rule of thumb better than "age in bonds"

Who is this rule for? What type of investor should heed your call? C’mon are you just a little bit trolling the bogleheads here? Lol. Is this really for everyone? 100% stock for 40 years!? How many investors can or would want to tak that kind of risk?
by AlohaBill
Fri Apr 24, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 941
Views: 57246

Re: What are you listening to now

Now Bolero soon to be followed by the Planets.
by AlohaBill
Fri Apr 24, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 941
Views: 57246

Re: What are you listening to now

TOMMMY by the WHO
by AlohaBill
Fri Apr 10, 2020 10:36 am
Forum: Personal Investments
Topic: Your AA once you hit 7 figures
Replies: 34
Views: 2683

Re: Your AA once you hit 7 figures

From 1979 to 1989 we were 25%stk/75% bnd/cash 1989 bought house/113/4% int rate wife is very happy with house 1990 paid off home mtg 1990 to 2000 75% stk / 25% wife not so happy September 2000 doc says, “you are going to die”. 2000 to 2003 10% stk/90% cash Didn’t die 2003 to present 30% stk/70% bnd/...
by AlohaBill
Thu Apr 09, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 8995

Re: How do you maximize enjoyment after achieving FI?

How about considering joining the Peace Corps?
by AlohaBill
Tue Apr 07, 2020 12:18 pm
Forum: Investing - Theory, News & General
Topic: 2019 retire early update at the retireearlyhomepage.com
Replies: 3
Views: 915

2019 retire early update at the retireearlyhomepage.com

John Greaney at the retire early home page has updated his stats for various portfolios including the Harry Browne, the Harry Dent, the Warren Buffet, the Larry Swedroe and several generic ones. Also included at the bottom of the page is the stats for the year 2000 retiree. All these portfolios use ...
by AlohaBill
Fri Mar 13, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: Rant
Replies: 1
Views: 620

Rant

I wish to apologize to Bogleheads for my rant earlier today and last year. I am truly sorry. This site is very important to me and ranting has no place.
by AlohaBill
Fri Mar 13, 2020 4:55 pm
Forum: US Chapters
Topic: Where is Livesoft!?
Replies: 147
Views: 28136

Re: Where is Livesoft!?

I am worried about livesoft. It is like when bob90245 stopped texting. I hope he is well.
by AlohaBill
Fri Mar 13, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4665
Views: 1287111

Re: What Book Are You Currently Reading? Part VI

The secret diaries of Anne Lister
by AlohaBill
Fri Mar 13, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: How much could we theoretically lose?
Replies: 128
Views: 10628

Re: How much could we theoretically lose?

You could die. Theoretically.
by AlohaBill
Thu Mar 12, 2020 11:55 am
Forum: Investing - Theory, News & General
Topic: Why is the Boglehead philosophy not to time the market, and yet the advice when there is a downturn is that...
Replies: 56
Views: 5982

Re: Why is the Boglehead philosophy not to time the market, and yet the advice when there is a downturn is that...

You do know the Boglehead philosophy, don’t you? Where does it say buy low, sell high? You do know that there are forces actively trying to change the philosophy or evenly destroy the site! You do know that there are people here (you know who you are) who denigrate and belittle the founders of this ...
by AlohaBill
Mon Mar 09, 2020 4:50 pm
Forum: Investing - Theory, News & General
Topic: BND Fell Today
Replies: 143
Views: 13236

Re: BND Fell Today

And are you a boglehead?
by AlohaBill
Sun Mar 08, 2020 8:10 pm
Forum: Investing - Theory, News & General
Topic: Futures posted on marketwatch
Replies: 20
Views: 2376

Re: Futures posted on marketwatch

I just found an article in investopedia that had an article on futures. It is very interesting; something I would never invest in because it is complicated. Thanks for the replies.
by AlohaBill
Sun Mar 08, 2020 7:39 pm
Forum: Investing - Theory, News & General
Topic: Futures posted on marketwatch
Replies: 20
Views: 2376

Futures posted on marketwatch

I have become interested in futures reported on Marketwatch on Sundays. Today the futures show that the Dow, s and p 500, the nasdaq are down over 4%. In addition, oil is down over 20%. Do these numbers mean the markets will start out tomorrow down 4%? Will oil drop 20%? BTW, are futures sold every ...
by AlohaBill
Tue Mar 03, 2020 7:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20302
Views: 2774860

Re: U.S. stocks in free fall

I would be interested in hearing from Lbill, the original poster of this highly successful blog. Is anyone out there who in touch with him invite him to text us?
by AlohaBill
Fri Feb 28, 2020 7:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20302
Views: 2774860

Re: U.S. stocks in free fall

R B W!
That was one really bad week, but not as bad as one day in 1987.
by AlohaBill
Thu Feb 13, 2020 6:05 pm
Forum: Investing - Theory, News & General
Topic: Challenge: Fastest way to lose money in the market?
Replies: 85
Views: 5309

Re: Challenge: Fastest way to lose money in the market?

How about investing in the Steadman funds. Fortunately, they are now defunct. Nevertheless, they were very interesting in their day. Also, not really the fastest way.
by AlohaBill
Thu Jul 11, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Policy Statement (RPS) -- Is anyone else using one?
Replies: 25
Views: 4194

Re: Retirement Policy Statement (RPS) -- Is anyone else using one?

Hi, I use the Retirement Policy Statement developed at Morningstar by Christine Benz. There is a template you can download. It is very simple to use and show my wife. Basically, I follow Mr. Larimore’s method of withdrawal. When I need money, I spend it. So far in two years, we have increased our po...
by AlohaBill
Wed Jul 10, 2019 12:29 pm
Forum: Personal Investments
Topic: Performance differentiations (VTSAX vs. VWNAX)
Replies: 12
Views: 1024

Re: Performance differentiations (VTSAX vs. VWNAX)

Dear Aaron,
I think you better check the charges. Windsor is .25% and the total stock market is the lower at .04%.
I may be wrong.
by AlohaBill
Thu Feb 23, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 148
Views: 19829

Re: Does anyone own gold?

If I own a total stock market fund, how much is invested in precious metals and mining companies? That would be the amount of gold I have.
by AlohaBill
Tue Feb 14, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: How to increase risk and return incrementally in a portfolio?
Replies: 31
Views: 2670

Re: How to increase risk and return incrementally in a portfolio?

Hi, You are asking an asset allocation question and that is fine. You are searching for the perfect portfolio. There is another more important thing to consider. It will make you way more money than trying to eke out a percentage or two in your portfolio. As a matter of fact, it is the single most i...
by AlohaBill
Fri Jan 13, 2017 1:53 pm
Forum: Investing - Theory, News & General
Topic: Y2k retiree how is s/he holding up after 2016
Replies: 26
Views: 5560

Re: Y2k retiree how is s/he holding up after 2016

Thank you for your responses. Unfortunately, I have not been able to reply do to a sudden health problem. Again, please accept my apologies.
by AlohaBill
Thu Jan 12, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: Y2k retiree how is s/he holding up after 2016
Replies: 26
Views: 5560

Y2k retiree how is s/he holding up after 2016

I have been following the so called hapless 2000 retiree. This is the retiree who retired with a million with 75% stock and 25% bond allocation. The Y2k retiree is mindlessly following a 4% + inflation withdrawal rate. Does anyone know how s/he is holding up after 2016?
by AlohaBill
Sun Jan 01, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: How To Tilt To Value?
Replies: 6
Views: 1380

Re: How To Tilt To Value?

I assume that you are considering a tilt to value because it may improve your earnings! Have you fully thought about increasing your savings rate as the best way to improve the value of your investments? Of course, I could be wrong.
by AlohaBill
Mon Dec 12, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: 3 Fund - should it be more diversified?
Replies: 28
Views: 4335

Re: 3 Fund - should it be more diversified?

Dear don't, This is just an asset allocation question and although it may seem important, it really isn't. One thing that is more important is the intestinal fortitude to stick to your plans through good times and bad. However, the single most critical decision in investing is determining how much y...
by AlohaBill
Mon Jun 06, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Vacation in Hawaii
Replies: 36
Views: 6282

Re: Vacation in Hawaii

Hi jay, Since my wife is from Oahu, we go to Hawaii quite a bit. We also live in Sac Town. May I suggest that you fly from Sacramento on Hawaiian Airlines. It is nonstop to Oahu. The plane is a wide body 767 with 2-3-2 seating which I think is the most comfortable seating; far better than Alaska air...
by AlohaBill
Fri May 27, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: The problem with predictions: Will 2000-Era Retirees Experience the Worst Retirement Outcomes in U.S. History?
Replies: 33
Views: 5039

Re: The problem with predictions: Will 2000-Era Retirees Experience the Worst Retirement Outcomes in U.S. History?

Go to retireearlyhomepage.com. Scroll down to 2015 update. Click on. Scroll down to the bottom of this page until you get to the chart entitled: Real life retiree returns. This chart shows how much various portfolios have done since 2000. None have failed or are close to failing. Larry Swedroe has a...
by AlohaBill
Thu Feb 11, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 14648

Re: What is your decline in Net Worth as of today?

I thought to myself that I neither cared nor knew. Ooops! Nisiprius doesn't either. Therefore, I thought I would take a peek just to spite. Well, since starting investing in 85, I have had one decline (1.3%) in net worth from ought 8 to ought 9 . I only do my networth statement once a year in Septem...