Bogleheads.org

RadAudit

Thanks for the replies. Looks as if the consensus answer is take shorter trips and / or unplug from the community as much as possible prior to shoving off.

RadAudit

I received a cruise line's "wish book." (Never take a cruise, your mailbox will never be empty.) For a mere $250k +/-, you and a significant other can take a 245 day trip around the world. Avoiding the obvious concerns about cost, my concern is how does one manage to be away from home for 245 days? ...

RadAudit

David Jay wrote: ↑
Tue Oct 16, 2018 5:10 pm
LS Conservative is a great choice. Only a 20% stock allocation, a 20% drop in the stock market is a 4% drop in asset value.

OP, good advice. But, you might want to check Vanguard's web site. LS Conservative Growth may be 40% stocks. Or, maybe I'm reading it wrong.

RadAudit

IIRC, right now Target Retirement 2015 is ~ 60% in bonds. I believe LifeStrategy Conservative Growth is also at 60% bonds. Might want to check the Vanguard website on my recollections before you start throwing money at that idea.

RadAudit

petrisunset wrote: ↑
Mon Oct 15, 2018 1:51 pm
None of them has any interest in money.

This will change.

RadAudit

Welcome to the forum.

raoul wrote: ↑
Sun Oct 14, 2018 5:30 am
I'm glad that I wound up investing in the funds he actually began years ago....

A some of us are quite happy with a number of Vanguard's funds

RadAudit

I am absolutely fascinated by these threads that essentially boil down to what is the least amount of money I have to accumulate to spend the most money I can for as long as I live.

I don't see how you can ever get a definitive answer to that question.

RadAudit

In order to discourage market timing, maybe they just have server issues. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=261006&newpost=4159768&view=unread#unread :wink: Which sort of raised the question of how many people can squeeze through the same door at the same time if everyone wants t...

RadAudit

OP, I think you should revisit Celia's comments. Especially the ones about getting on the same page as your fiancee.

RadAudit

The fun thing about this situation is by the time you figure out it's more than a correction (>10% drop in stocks), you are fairly close to a bear market (20%). And then, you have to concern yourself with how far is it going to drop this time. Or, more to the point, how much are you going to lose be...

RadAudit

I don’t think that Type 2 diabetes will disappear, but I wonder if it might become less profitable for pharmaceutical companies. Probably not. I've been working the NIH's (?) Type 2 prevention program for more than 1 1/2 years. Simple plan. Eat less, exercise more. Or, calories out > calories in. N...

RadAudit

OP, thanks for the post.

RadAudit

Move. Just an uniformed, non-financial observation. Personal experience: We've been remodelling the house for more than a year. Nothing major. No change in the physical foot-print. No major internal structural footprint changes (moved a doorway, took out a half-wall). However, on this go-round, we h...

RadAudit

What I’ve seen is couples who received financial help from their parents to maintain their lifestyle, but who will not be in a position to provide the same kind of help to their children. In other words, the grandparents are affluent but not wealthy enough to pass on substantial help/inheritances t...

RadAudit

What about lightening up on stocks? “It all depends on your financial ability and emotional ability to withstand a market decline,” he says. “It’s probably wise to sell to the sleeping point.” Selling stocks down to the point you can sleep at night has usually made good sense. Something about need,...

RadAudit

Welcome to the forum.

This may help. https://www.bogleheads.org/wiki/Managing_a_windfall

RadAudit

Welcome to the forum. Opinions will differ on this one. Some will argue that with a steady income (rental, SS, pension, high salary, etc.) one can afford to take a more aggressive asset allocation. Others will argue that the asset allocation has more to do with portfolio management to meet future go...

RadAudit

Not an experienced traveler. However, I've been to C'ville a number of times from the Tidewater area. Based on distance alone, from DC to C'ville and back plus a tour of Monticello would take the good part of a day. And, from DC to Mount Vernon and back and a tour of the house and grounds would prob...

RadAudit

I guess I just don’t want to retire at 55 or 56 and then hit 61 realizing I don’t have enough money and am going to be walking dogs until I am 70. I'm 71. I see folks everyday at the track walking dogs. Looks like a good form of low stress exercise - and you'd get paid, too! Think of it as a side h...

RadAudit

OTOH, instead of trying to become mega-rich you might want to try for enough. (However defined.) Those who try for that goal usually end up more satisfied with the outcome - or, at least that's what I'm told. Mega-rich is an ever retreating goal that's always just out of reach. Enough is something y...

RadAudit

Ron Scott wrote: ↑
Sat Sep 29, 2018 8:05 am
The safe thing for these people to do is to admit uncertainty and overcompensate before retirement by planning to save more and spend less

Now, if I can get the kids to buy into that idea I think that would be one less concern on the plate.

RadAudit

Darn. Probably worked too long.

But, thanks. Helps allay my concerns that my soon-to-be (?) surviving DW might outlive the estate because of an overly conservative asset allocation.

RadAudit

Things just came together. I had recently settled my parents' estate. The youngest kid had just graduated from from his master's program. I had met my number.And, work stopped being fun. Seemed like the time to go.

RadAudit

As others have noted, we need some numbers. In general, I would say save as much as possible but don't ``torture'' yourself. There are things that are more enjoyable to do as a younger person. So Far this year, I've saved roughly 26k...and I've made about 38k... You need to start writing a blog as ...

RadAudit

“I have always been of the opinion that investors have done best in high-fee products with high transactions costs, bought and held over time, which are a built-in form of “advisor alpha.” I will change my mind when I meet my first Vanguard customer who is a billionaire.” OK. All you Flagship + typ...

RadAudit

scorp_pccorp wrote: ↑
Mon Sep 17, 2018 10:24 am
The new room will definitely make her happy because currently the kitchen/dining area is cramped and not very entertainment friendly.

If a new room will really make her happy, do it. Best of luck.

RadAudit

Best wishes!

We're doing a one fell swoop update of our home for the remainder of our retirement. Been going on for more than a year. Quicker is probably better.

RadAudit

Sort of depends on what you are saving for and when you want to get there.

Look at the charts in the linked article. Ignore the fluff. http://www.mrmoneymustache.com/2012/01/ ... etirement/

RadAudit

Do the people telling you not to be a wimp work the same schedule you do?

Instead of wondering what would happen if .... run some numbers and try to figure out how much you need to meet your responsibilities.

RadAudit

how would this work if society mov d completely to index funds? Or if actively managed funds were to die away completely? This has been discussed before. IIIRC, this is not something to spend too much time worrying about. Long way to go before index funds become that dominate. If they come close to...

RadAudit

Rent your fantasies.

RadAudit

I am struggling with this right now. I have a stressful job with a gov agency, dealing with parents of disabled children. Been doing this for nearly 28 years; never thought it would get old. All of a sudden (I'm 65) I'm finding myself not caring all that much; very much NOT a good feeling. We live ...

RadAudit

what did we do wrong? Just a guess, we went down the track about his concerns about VG not providing a financial plan without an investment of some considerable amount of money vs. just providing him a link to "asking questions" in the start here link. He made the mistake of leaving two minutes bef...

RadAudit

JSparks wrote: ↑
Fri Sep 14, 2018 3:58 pm
How is this trolling? What did I do wrong? What is the recommended format?

Go to the top right of the page. Enter - asking questions - in the box that says Google. Hit return on your keyboard.

RadAudit

JSparks wrote: ↑
Wed Sep 12, 2018 9:56 am
I'd like to get the opinion ... to see if my numbers are correct and to discuss post-retirement investing.

Why not ask the forum? Go to "asking questions" and post the appropriate numbers in the requested format.

RadAudit

as I've gotten older I've defined a lot of myself based on what I *expect* I'll be able to do for my current and future family/friends as a provider. It's a giant deal to me and extremely important to me, I have a lot of people who will depend on me. I had a similar problem, until I realized there ...

RadAudit

I'm taking RMDs. As long as it is just a few years' RMDs, I doubt if it would hurt much (loss of value vs. potential increase in income) no matter which way interest rates jump. I too have all of my bonds in an IRA and they are targeted for the source of the RMDs now and into the future. I've SWAG'e...

RadAudit

I just received an email from Vanguard Flagship Services ... "You'll soon be required to sign up for security codes". Got mine today. They were rather emphatic about signing up by a specified date. Downside: Don't have a cell phone so - no looking at account balances while I'm away from home. Upsid...

RadAudit

OP, good idea. I, too, use a spreadsheet to manage my portfolio. (Of course, I have about 31 fewer funds than you do; but, I can't multiple and divide either) Great for tracking against rebalance bands and I've set it up to calculate th amounts of money to move among accounts.

RadAudit

Please edit your post to get into this format. viewtopic.php?f=1&t=6212 Might get a few more answers.

RadAudit

I was looking over a prior post in the thread linked above. Upon reflection, what I really do is I take the RMD in Dec. That's on automatic via VG. From that RMD, federal taxes are withheld for that year. The remainder of the RMD is transferred to a MM in a taxable account. In early Jan, I compare t...

RadAudit

There is no one answer to how much and when to gift to kids. I'm beginning to believe that insight. :happy Obviously, you don’t want to create a sense of entitlement or reduce their work ethic. Simple, not easy. Takes a lot of work to achieve that state before you get to giving money to them. Kinda...

RadAudit

Adjust the height of the toilets

RadAudit

Why not gift money to your kids now? I'm not picking on delamer. He raises an interesting question. I routinely give my children some relatively small amounts throughout the year for various things. (I've had bigger bar bills) But, the question I have is, at what point do you start gifting signific...

RadAudit

I found ethnic origins I didn't even know about. Seems 2nd great granddaddy was adopted into the family, to be polite about it.

But, when you start chasing family trees, just be prepared. My aunt found that granddaddy had another family we knew nothing about until she started that search.

RadAudit

Man, this drives me crazy...you are right...it could be lower....we've had a long run...I still have 15 years before retirement...but would hate to get in with my lump sum I have right before So, if you retire at normal retirement age in 15 years, you may have up to 45 years remaining (30 in retire...

RadAudit

Sorry for the loss.

Start here. https://www.bogleheads.org/wiki/Managing_a_windfall

Note the paragraphs that say don't do any investing for at least six months.

RadAudit

Kathys wrote: ↑
Sat Sep 08, 2018 8:48 am
or if there was something better out there.

Depends on his risk tolerance, other sources of income, other assets, how comfortable he is with moving money away from the local bank to a mutual fund family, etc.

RadAudit

No.

The fees alone were enough to scare me off - and that was before I got to what they were investing in.

RadAudit

IIRC, I once read that 90% of the difference among various portfolio returns could be accounted for by the asset allocation (Stock / bond split.) And while it is important, very important, when I was starting out it was one part of the decision making process. Other equally important parts were the ...

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