Search found 3347 matches

by RadAudit
Tue May 21, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Relocate to Charleston SC?
Replies: 16
Views: 1359

Re: Relocate to Charleston SC?

The parents lived in Savannah. I hated visiting there except during the winter. High heat and extreme humidity. If you do think you want to move there make sure you experience summer before making the decision. AZ, NV, and NM are a lot closer to CA and considerably cheaper than CA. Make sure you vi...
by RadAudit
Mon May 20, 2019 5:35 pm
Forum: Personal Investments
Topic: The "tilt" discussion in Living Off Your Money
Replies: 8
Views: 1397

Re: The "tilt" discussion in Living Off Your Money

randomguy wrote:
Mon May 20, 2019 3:41 pm
You normally never sell stocks in downturns.
Come to think of it, it would be a rather special case that might cause one to consider selling stocks to rebalance during a downturn.
by RadAudit
Mon May 20, 2019 3:18 pm
Forum: Personal Investments
Topic: The "tilt" discussion in Living Off Your Money
Replies: 8
Views: 1397

Re: The "tilt" discussion in Living Off Your Money

Does one need to even consider performing a tilt analysis if he intends to draw between 2.5% as floor and 3.75 % as maximum percentages? Don't know. Hope not. If you have a reasonable AA (per McClung) and your SWR is below 4.3%, you should be OK for about 30 years. Of course, we all understand that...
by RadAudit
Mon May 20, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Life change. Portfolio Review for 45 y.o.
Replies: 6
Views: 915

Re: Life change. Portfolio Review for 45 y.o.

Life is too short to continuing to do something you don't want to do. (Said the guy who was employed at a firm he disliked for 39 years. :oops: ) I'm not sure how the income numbers work out from rental flipping; but, if they do, seems rational. Quick question - why so many overlapping funds in taxa...
by RadAudit
Mon May 20, 2019 12:37 pm
Forum: Personal Investments
Topic: Rethinking AA
Replies: 7
Views: 820

Re: Rethinking AA

was think about moving the into the TR2025 fund. Historically that fund has done slightly better than TR2015, but really not by a whole lot. In all probability, TR2025 did better than TR2015 because its AA was more aggressive. This is just a guess but it is based on the idea that TR funds have AAs ...
by RadAudit
Mon May 20, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Dealing with construction noise
Replies: 24
Views: 1331

Re: Dealing with construction noise

This too shall pass. Until then, sound cancelling headphones?
by RadAudit
Mon May 20, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: completely freaked out about withdrawing from retirement accounts....
Replies: 53
Views: 5255

Re: completely freaked out about withdrawing from retirement accounts....

But I need to know, is this hesitancy to touch my retirement funds something that folks go through? Yes. Some of us haven't come through to the other side, yet. It's also slightly disconcerting to see the portfolio totals decrease vs increase as projected even though you are budgeting and keeping S...
by RadAudit
Sun May 19, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: VTIAX SEC yield?
Replies: 3
Views: 444

Re: VTIAX SEC yield?

Thanks for the replies and the link
by RadAudit
Sun May 19, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 138
Views: 18342

Re: Trader Joe's Fans - good value?

Two buck ($3?) chuck
NY cheesecake
Key Lime pie
Milk
by RadAudit
Sun May 19, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: VTIAX SEC yield?
Replies: 3
Views: 444

VTIAX SEC yield?

Quick (probably stupid) question.

Why doesn't the VG Total International Stock Index (VTIAX) have a reported SEC yield?
by RadAudit
Sat May 18, 2019 7:22 pm
Forum: Investing - Theory, News & General
Topic: Actual Experience as true measure of risk tolerance
Replies: 38
Views: 2661

Re: Actual Experience as true measure of risk tolerance

One of the problems I had with measuring my risk tolerance was that my tolerance for losses decreased as I aged. So, during each drop after 1987, I found out that my AA was too aggressive and I adjusted downward. I am really looking forward to the next drop; maybe this time I will have it right.
by RadAudit
Sat May 18, 2019 3:41 pm
Forum: Investing - Theory, News & General
Topic: Bonds beyond Total Bond Market - Anyone ?
Replies: 47
Views: 3396

Re: Bonds beyond Total Bond Market - Anyone ?

Anyone using any fixed income asset class beside Total Bond Market ? - If Yes, What and Why ? (eg TIPS) The fixed income side of the portfolio is primarily in total bond and total international bond. Total bond because it covers most of the domestic waterfront. International because it's hedged and...
by RadAudit
Sat May 18, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Aiming to Retire End of 2019 - Abit Scared
Replies: 44
Views: 5071

Re: Aiming to Retire End of 2019 - Abit Scared

gamboolman wrote:
Sat May 18, 2019 4:17 am
We are ……are abit skittish.
Concern is the beginning of wisdom. You've come to a good place to find answers that should work.
by RadAudit
Fri May 17, 2019 3:44 pm
Forum: Investing - Theory, News & General
Topic: Constructing Tax Efficient Withdrawal Strategies for Retirees
Replies: 12
Views: 1737

Re: Constructing Tax Efficient Withdrawal Strategies for Retirees

Thanks for the post. Ought to be an interesting discussion after a number of us wade through it. Non-academic advice, coming from investment firms, financial advisors, and books on retirement, recommend strategies for retirees’ withdrawal choices that are often far from optimal and often in contradict...
by RadAudit
Thu May 16, 2019 6:23 pm
Forum: Personal Investments
Topic: Confused about simplicity vs tax efficiency
Replies: 19
Views: 1580

Re: Confused about simplicity vs tax efficiency

I called Vanguard concierge today to discuss that, they told me that Lifestategy is an all in one fund and that bonds are not separated out for reporting. They said that I will only pay capital gains tax on that fund, never any ordinary income tax. That's interesting. I thought I saw that a conserv...
by RadAudit
Thu May 16, 2019 8:49 am
Forum: Investing - Theory, News & General
Topic: How much is the 401K and retirement savings propping up the market?
Replies: 26
Views: 3227

Re: How much is the 401K and retirement savings propping up the market?

m@ver1ck wrote:
Thu May 16, 2019 8:43 am
has the stock market become some sort of a Ponzi scheme ?

If our kids stop investing in the stock market (or the population goes down) will the makets value just slowly decline
Time has a way of answering these questions. Best of luck.
by RadAudit
Wed May 15, 2019 6:45 pm
Forum: Personal Investments
Topic: If you are already wealthy, what keeps you motivated?
Replies: 95
Views: 9391

Re: If you are already wealthy, what keeps you motivated?

Money is just a way to keep score. If you want to continue to play the game, by all means please do. If you've had enough of the game, it's time to quit playing.

I'm not sure I have enough so I'm still playing the game - a little slower than in the past; but, still in the game.
by RadAudit
Tue May 14, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Jackson Hole in July
Replies: 1
Views: 298

Re: Vacationing in Jackson Hole in July

LandofLincoln wrote:
Tue May 14, 2019 11:56 am
Whitewater Rafting – It appears the Snake River has up to Class III rapids,
IIRC, might need to check when / if there are scheduled releases of water in to the river from upstream dams.
by RadAudit
Tue May 14, 2019 10:35 am
Forum: Personal Investments
Topic: Moving from Edward Jones to Vanguard
Replies: 16
Views: 2077

Re: Moving from Edward Jones to Vanguard

AA of 60/40 puts you around age -20 in bonds, which is actually pretty salty. Not really sure what that means, I'm retired from the Navy and Salty may mean something different Not sure I know, either. But, it could mean that it is too aggressive for an average investor of your age. Of course, you a...
by RadAudit
Tue May 14, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Booking a cruise - any differences in how/where?
Replies: 37
Views: 3220

Re: Booking a cruise - any differences in how/where?

In booking such a cruise, does it matter how the booking is done? Matter to whom? I'm sure your approach will do just fine for you. In my case, after the research is completed, we go to a travel agent and say book it and the connecting flights, too. The price is the same to us, I think. And, they h...
by RadAudit
Tue May 14, 2019 8:28 am
Forum: Investing - Theory, News & General
Topic: Nobody knows nothing and AA
Replies: 19
Views: 2200

Re: Nobody knows nothing and AA

Since no one can predict future returns are there any good strategies for AA where you adapt it to what the market is doing at any given time? Possibly. Haven't found one yet. I gave up on market timing several decades ago. Now I'm in to finding / staying with an AA that gives me a reasonable chanc...
by RadAudit
Mon May 13, 2019 4:05 pm
Forum: Investing - Theory, News & General
Topic: NYTs-"A Quirk of the Calendar Is Messing With Stocks"
Replies: 6
Views: 1655

Re: NYTs-"A Quirk of the Calendar Is Messing With Stocks"

It's not a well kept secret. If you look at your portfolio's returns via VG's personal performance chart, every month the ten year rate of return jumps one way or the other by several 1/10s or a %.
by RadAudit
Mon May 13, 2019 11:56 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10249

Re: Does your retirement plan work if stocks are flat or in decline for decades?

So my question is will your retirement plan work if stocks do not at least outperform bonds for the duration of your retirement or worse yet have returns below 0% real? Or another way to put it does your retirement plan have a contingency for stocks being flat or declining throughout your retiremen...
by RadAudit
Mon May 13, 2019 9:38 am
Forum: Personal Investments
Topic: Expense ratios Life Strategy Mod. vs. individual holdings
Replies: 9
Views: 768

Re: Expense ratios Life Strategy Mod. vs. individual holdings

Where do some of you draw the line on thrift vs. the convenience of not rebalancing? Am I correct that this works out to a difference of $60 saved per $100,000 a year if you hold the four index funds on their own? As I get farther and farther in to the RMD thicket, the line where thrift wins out ov...
by RadAudit
Sun May 12, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6109

Re: Continue working for benefit of adult children or retiring earlier?

The question is ... do you worry about setting up your grown children financially? No. I am concerned about setting up my kids to take care of themselves in a manner they'd like to become accustomed to. And, I'm also concerned about not becoming a burden to them in my old age. First, take care of t...
by RadAudit
Sat May 11, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6109

Re: Continue working for benefit of adult children or retiring earlier?

OP, glad we could provide answers for your original concerns. :happy
by RadAudit
Sat May 11, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6109

Re: Continue working for benefit of adult children or retiring earlier?

I think the idea of extended families living together is much more natural and over history has been the dominant pattern of life. Since we're sharing I thinks, you're probably right. It may be rooted somewhere in the distant past in the idea of the elder generations taking care of the grandkids wh...
by RadAudit
Sat May 11, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6109

Re: Continue working for benefit of adult children or retiring earlier?

In a way, I wished I had known my grandparents better, but my parents moved across the country individually and were married here. It was only during 2 or 3 cross country trips with a car packed full of kids, that I was able to see them. I'm sure you meant your post as a jumping off point for furth...
by RadAudit
Sat May 11, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6109

Re: Continue working for benefit of adult children or retiring earlier?

Many of my friends, cousins, and neighbors are still to some extent financially dependent on their parents - including several who are married with kids living with their parents and not financially helping at all Anyone else beginning to think this whole thing may be going a tad too far? Not that ...
by RadAudit
Sat May 11, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6109

Re: Continue working for benefit of adult children or retiring earlier?

rashad3000 wrote:
Sat May 11, 2019 8:02 am
At what age are we expected to finally let our children become independent?
Excellent question.

A related question may be how many "what ifs" in their lives do you have to plan on bailing them out of?
They say “30 is the new 18.”
If only. :happy
by RadAudit
Sat May 11, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: Time to include new stocks in index?
Replies: 10
Views: 1530

Re: Time to include new stocks in index?

LadyGeek wrote:
Fri May 10, 2019 10:00 pm
That's a great question.
Thanks for summarizing and posting the info.
by RadAudit
Fri May 10, 2019 9:25 pm
Forum: Investing - Theory, News & General
Topic: Time to include new stocks in index?
Replies: 10
Views: 1530

Time to include new stocks in index?

How long does it take before a new stock (IPO like Uber) is incorporated in to a Total Stock Market fund?
by RadAudit
Fri May 10, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: 256 Gbytes for IPhone! How much further?
Replies: 29
Views: 2068

Re: 256 Gbytes for IPhone! How much further?

prairieman wrote:
Fri May 10, 2019 6:03 pm
how much further can we go?
I was hoping we could get enough capacity to calculate the next round trip to the moon - including a lunar landing and take-off.
by RadAudit
Fri May 10, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6109

Re: Continue working for benefit of adult children or retiring earlier?

I was employed until the kids were out of school, college debt free and employed. I was 63. I retired. Looking back, I've come to an understanding that I can't live their lives for them or provide them with enough money so they can live like they'd want to live and take care of DW, too. Working seve...
by RadAudit
Thu May 09, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7155

Re: How much do you donate?

I've been told that some of the poorest people give the largest percentages of their incomes to charity, don't know for sure - so if you're comparing there is that.
by RadAudit
Wed May 08, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: If/When Should I make a trust?
Replies: 27
Views: 2468

Re: If/When Should I make a trust?

We made a trust to increase the chance the money would go to and stay with the kids. As I understand, TOD would make it subject to inclusion in family assets if a divorce occurred.
by RadAudit
Tue May 07, 2019 4:42 pm
Forum: Personal Investments
Topic: Advice on selling individual stocks to fund index funds
Replies: 9
Views: 625

Re: Advice on selling individual stocks to fund index funds

Thank you! As a long-term investor, would it be fair that since I shouldn't expect to see a higher than average market return, would I be better off or at least safer putting this small pot of money in a total stock market fund? To be fair - you may be better at getting above market returns than th...
by RadAudit
Tue May 07, 2019 11:32 am
Forum: Personal Investments
Topic: Advice on selling individual stocks to fund index funds
Replies: 9
Views: 625

Re: Advice on selling individual stocks to fund index funds

OTOH, if you donate to charities, you could give them the shares, avoid the cap gains, and take the deduction. If the numbers work out. Just a thought. Edit: Random thought. You will probably not do as well on the next stock you pick. You may not do as well in the future as you are doing now or have...
by RadAudit
Tue May 07, 2019 7:10 am
Forum: Investing - Theory, News & General
Topic: point of maximal pessimism for international investing
Replies: 66
Views: 5332

Re: point of maximal pessimism for international investing

Regardless of what anyone else predicts about the markets, I am quite confident that the day after I divest myself of all these stinkers, ex-US equities will go up like a rocket, and domestic stocks will tank. Indeed, I am confident that my decision to sell will actually be the catalyst. If you cha...
by RadAudit
Sun May 05, 2019 7:25 pm
Forum: Personal Investments
Topic: Portfolio review request
Replies: 6
Views: 721

Re: Portfolio review request

Welcome to the forum. How lazy do you want to be? Some model portfolios are noted here. You get to play with the AA to fit your situation in the three fund portfolio. https://www.bogleheads.org/wiki/Lazy_portfolios Other good reading starts here. https://www.bogleheads.org/wiki/Getting_started Edit ...
by RadAudit
Sun May 05, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2093

Re: College Tours and Open Houses

Be mentally prepared for your off spring to change his major.

One day my DD was walking across campus on the way to class when she had an epiphany - accounting was boring. She changed majors later that day.
by RadAudit
Sat May 04, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage or No Marriage? (Home, children, HSA, IRA, etc.)
Replies: 62
Views: 4906

Re: Marriage or No Marriage? (Home, children, HSA, IRA, etc.)

Based on the first paragraph, how are you going to handle combined / household expenses?
by RadAudit
Sat May 04, 2019 6:22 pm
Forum: Personal Investments
Topic: Pension: Lump Sum or Monthly Payout?
Replies: 9
Views: 1323

Re: Pension: Lump Sum or Monthly Payout?

Welcome to the forum. but am curious if receiving $1,500 monthly for 35 years is better than 310K to invest. If I plugged the numbers in correctly, (big if - I'm watching the Kentucky Derby), it's an even bet if you earn ~ 4.6% / yr on a $310k investment. Annual guesses on an all equity portfolio es...
by RadAudit
Sat May 04, 2019 4:20 pm
Forum: Personal Investments
Topic: How to decide on asset allocation? Overwhelmed by information online
Replies: 40
Views: 3888

Re: How to decide on asset allocation? Overwhelmed by information online

Just a thought, a number of folks take some small comfort in the idea of how many years of portfolio withdrawals they have in bonds. The thought is that in the past downturns only lasted, at most, x no. of years. With x years of withdrawals in bonds, they can take the withdrawals from bonds, ride ou...
by RadAudit
Sat May 04, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Perspective [How much is left for spending in retirement?]
Replies: 47
Views: 3978

Re: Perspective

How much do you consider yours in a $1M tax-advantaged savings account? Would a $1M Roth IRA be different? Yes, $1m in Roth is different than $1m in a tIRA. But, it's an apples to oranges comparison. To get apples to apples, you need to compare after tax to after tax. Barring windfalls and inherita...
by RadAudit
Sat May 04, 2019 8:48 am
Forum: Personal Investments
Topic: Vanguard target date vs. convoluted portfolio
Replies: 32
Views: 1871

Re: Vanguard target date vs. convoluted portfolio

LordPerradin wrote:
Sat May 04, 2019 8:39 am
I am young and stupid
Young, maybe. Stupid, probably not.

Sometimes it takes time and enough reading of the right material to know why you should be comfortable with a certain AA at a particular stage in your lifetime.
by RadAudit
Fri May 03, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard & Fidelity Personal Advisor Services: same advice from all advisors?
Replies: 12
Views: 1237

Re: Vanguard & Fidelity Personal Advisor Services: same advice from all advisors?

I'm guessing that VG cornerstones include low costs, wide diversification, and index funds. If that is true, then there can't be but so much variation in financial recommendations for essentially similarly situated clients. (We are each unique. We just aren't that much different.) So, another guess,...
by RadAudit
Fri May 03, 2019 1:40 pm
Forum: Personal Investments
Topic: Super Simple Portfolio
Replies: 18
Views: 2729

Re: Super Simple Portfolio

Am I making a big mistake leaving my remaining 1.4 million in the S&P? I know the traditional advice is buy some international and some bonds but I figure with the global economy, the S&P companies do a lot of business over seas anyways. Also, buying bonds just feels like an anchor. Time has a way ...
by RadAudit
Fri May 03, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Wouldn't this make Traditional IRA far superior to Roth?
Replies: 81
Views: 7179

Re: Wouldn't this make Traditional IRA far superior to Roth?

neurosphere wrote:
Fri May 03, 2019 8:09 am
It's just an illustration.
Thanks for the chart.
by RadAudit
Fri May 03, 2019 7:51 am
Forum: Investing - Theory, News & General
Topic: Wouldn't this make Traditional IRA far superior to Roth?
Replies: 81
Views: 7179

Re: Wouldn't this make Traditional IRA far superior to Roth?

Over 30 years that would give you like an additional $123,508 of savings. Thoughts? Welcome to the forum. I don't know about the math. (If I did, maybe my decisions would have been better.) But, I always used the time value of money idea for a rationalization for my decision to use the tIRA and del...