Search found 3363 matches

by RadAudit
Mon Jun 24, 2019 8:58 am
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 85
Views: 8360

Re: Good times: 2008 vs Now

I talked to my sister this weekend at my kids' birthday party and they're looking to buy a house with "no down payment". The thing to look for is - is the purchase financed through "liar loans." Ex: Mortgage officer: You need an income of $125,000 for us to give you this loan. What's your income? Y...
by RadAudit
Sun Jun 23, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Sale of elderly parents' home
Replies: 42
Views: 2823

Re: Sale of elderly parents' home

There is no right answer; but I prefer.... they are able to cover the mortgage fine for now, so maybe instead the $500k should go to a mix of EF and fixed income? That keeps them more liquid. They don't really need more income at the moment, though. Easy answer is to just split the $500k up and do s...
by RadAudit
Sat Jun 22, 2019 9:07 am
Forum: Personal Investments
Topic: Getting caught up in minutia of investing-How to make things simple
Replies: 44
Views: 3266

Re: Getting caught up in minutia of investing-How to make things simple

Looking for tactics you used to make things more simple so I don't drive myself crazy. Somewhere along the line, I picked up a few clues and jumped - may be incorrectly - to the conclusion that broad based (world?), low cost, cap weighted index funds were the way to invest to get very close to mark...
by RadAudit
Fri Jun 21, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 5803

Re: Are you a member of nextdoor.com? Any concerns registering your info?

Did any of you feel uncomfortable registering with your name, actual address, phone, etc? OK. I may be paranoid. But my theory is that so many people already know more about me than I may know about my myself, what's one more? :happy Turbo Tax and / or your CPA know your tax info; VISA and the bank...
by RadAudit
Wed Jun 19, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 94
Views: 13912

Re: Moving to North Carolina from NYC

It may be trite, but having grown up in NY State, I advise you to leave your NYC ways in NYC.

And, for Heaven's sake, don't say "you Southerners don't know how to drive in snow."

Typical - but never spoken reply - well, if you like driving in snow so much ...
by RadAudit
Mon Jun 17, 2019 8:15 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 49
Views: 3974

Re: Advice for young married couples: PLEASE HELP!

Financially, it really helps if you are both in a agreement and on the same page with respect to your long and short term goals. But, what do I know? On a personal note, on the investing vs. speculation continuum of personal finance, I found you need to know enough - but what you need to know is sur...
by RadAudit
Mon Jun 17, 2019 7:38 am
Forum: Personal Consumer Issues
Topic: What to read prior to visiting ancient sites in Athens?
Replies: 18
Views: 1076

Re: What to read prior to visiting ancient sites in Athens?

tenkuky wrote:
Mon Jun 10, 2019 5:35 pm
visiting sites in Athens (Acropolis, ...
Just got back from Athens.

Watch out for the rocks on the footpaths around the Acropolis - they are slick as glass. And, you may want to wait until late September or early October, I hear the summer crowds can be a challenge.
by RadAudit
Sun Jun 16, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 11295

Re: With hindsight, what signs indicated you were about to lose your job?

Not me - but, the day they started a massive layoff within our department - they did it alphabetically by last name. Rather short notice really; but, those were a few long hours.
by RadAudit
Sat Jun 15, 2019 9:16 am
Forum: Investing - Theory, News & General
Topic: World Economic Forum - Outliving your retirement savings
Replies: 2
Views: 656

Re: World Economic Forum - Outliving your retirement savings

An interesting reply from megabad on the thread "how safe are pensions in the US." Typically, I would say that the holdings of most pension funds are significantly riskier than any index fund portfolio I would design inside of a qualified retirement plan. However, since pensions are potentially back...
by RadAudit
Fri Jun 14, 2019 6:43 pm
Forum: Personal Investments
Topic: From Simplicity to Complexity
Replies: 10
Views: 870

Re: From Simplicity to Complexity

I have noticed something about myself, and am wondering if I'm alone. I learned about the Boglehead way of investing about two years ago. Since then, I've sold all my individual stocks, am invested in only index funds (with small and temporary exceptions; see below), and have developed an asset all...
by RadAudit
Fri Jun 14, 2019 1:25 pm
Forum: Investing - Theory, News & General
Topic: World Economic Forum - Outliving your retirement savings
Replies: 2
Views: 656

World Economic Forum - Outliving your retirement savings

I saw that the World Economic Forum published a report that workers could out live their savings by a decade or more in a number of countries. That kicked off some discussion (click bait?). What got me was the sentence that the forum did not consider Social Security or other government welfare payou...
by RadAudit
Fri May 24, 2019 3:28 pm
Forum: Personal Investments
Topic: Newbie - Thank you!
Replies: 6
Views: 691

Re: Newbie - Thank you!

Welcome to the forum.

Go to the prior page. Upper left corner has a section labeled new to investing. Click on start here. Read the linked info. Watch the videos. Read some of the listed books.
by RadAudit
Thu May 23, 2019 5:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 8472

Re: Vanguard issues 10-year forecast for stock, bond market returns

Well, you could use it to develop a SWAG to see if your portfolio and planned rate of investing funds will provide sufficient returns to meet your long term goals. (HINT: invest more). Wouldn't put an undue reliance on the answers from that calculation. Then forget it.
by RadAudit
Thu May 23, 2019 9:13 am
Forum: Investing - Theory, News & General
Topic: "Investing in Total Markets"
Replies: 45
Views: 4708

Re: "Investing in Total Markets"

Thanks. I've been looking - hoping - for something like this for some time.
by RadAudit
Wed May 22, 2019 9:14 am
Forum: Investing - Theory, News & General
Topic: Delaying social security = harming nest egg?
Replies: 74
Views: 6246

Re: Delaying social security = harming nest egg?

Dottie57 wrote:
Tue May 21, 2019 8:36 pm
When I am dead, my bet is that I won’t care about SS.
Probably a good and safe bet. And on the up side, if you are wrong, you'll have a long time to run the numbers and continue the discussion. :wink:
by RadAudit
Tue May 21, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when you have enough?
Replies: 31
Views: 4013

Re: What to do when you have enough?

Huge is an interesting amount. And, the answer varies depending on how huge huge is. But, basically three options. You can spend the money. Your kids can spend the money. Or, the government can spend the money. You get to choose. Choose wisely. PS: A number of folks opt for total return vs dividends...
by RadAudit
Tue May 21, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 5781

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: 9
Views: 1901

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: 9
Views: 1901

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: 7
Views: 1359

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: 873

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: 27
Views: 1778

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: 75
Views: 10236

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: 462

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: 148
Views: 20799

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: 462

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: 82
Views: 6300

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: 3504

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: 45
Views: 5748

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: 13
Views: 2255

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: 1599

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: 3281

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: 101
Views: 11612

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: 308

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: 2098

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: 3375

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: 2220

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: 1692

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: 10482

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: 779

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: 6323

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: 6323

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: 6323

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: 6323

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: 6323

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: 6323

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: 1599

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: 1599

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: 2109

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: 6323

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...