Search found 3000 matches

by RadAudit
Sat Oct 20, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: How to take long trips?
Replies: 3
Views: 813

Re: How to take long trips?

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.
by RadAudit
Thu Oct 18, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: How to take long trips?
Replies: 3
Views: 813

How to take long trips?

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? ...
by RadAudit
Tue Oct 16, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: 30 y/o Boglehead student, advice for 65 year old Retiring Father
Replies: 30
Views: 2881

Re: 30 y/o Boglehead student, advice for 65 year old Retiring Father

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.
by RadAudit
Mon Oct 15, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Maturing out of Target 2015 fund
Replies: 8
Views: 896

Re: Maturing out of Target 2015 fund

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.
by RadAudit
Mon Oct 15, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 4841

Re: Kids not interested in money / allowance

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

This will change.
by RadAudit
Sun Oct 14, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement funds
Replies: 5
Views: 682

Re: Vanguard Retirement funds

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
by RadAudit
Sat Oct 13, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 214
Views: 16880

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

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.
by RadAudit
Thu Oct 11, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: "Do not invest with Vanguard if you are a market-timer." - Vanguard
Replies: 12
Views: 2582

Re: "Do not invest with Vanguard if you are a market-timer." - Vanguard

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...
by RadAudit
Thu Oct 11, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5165

Re: Feeling Guilt among family/peers

OP, I think you should revisit Celia's comments. Especially the ones about getting on the same page as your fiancee.
by RadAudit
Wed Oct 10, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4442

Re: When stocks and bonds drop at the same time, what do you do?

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...
by RadAudit
Tue Oct 09, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4485

Re: Should I, and how, act on changes in managing diet and health?

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...
by RadAudit
Tue Oct 09, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 4883

Re: You know you’re a Boglehead when. . .

OP, thanks for the post.
by RadAudit
Mon Oct 08, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Renovation vs. Move
Replies: 11
Views: 815

Re: Renovation vs. Move

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...
by RadAudit
Sat Oct 06, 2018 7:00 am
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 117
Views: 13835

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

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...
by RadAudit
Fri Oct 05, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Jack's Wisdom: What's next for the market and what to do about it
Replies: 8
Views: 1114

Re: Jack's Wisdom: What's next for the market and what to do about it

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,...
by RadAudit
Wed Oct 03, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question: How to include farm rental income in my model?
Replies: 4
Views: 289

Re: Asset allocation question: How to include farm rental income in my model?

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...
by RadAudit
Tue Oct 02, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Washington DC with Side Trips Mount Vernon & Monticello Advice
Replies: 11
Views: 771

Re: Washington DC with Side Trips Mount Vernon & Monticello Advice

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...
by RadAudit
Tue Oct 02, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 117
Views: 13835

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

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...
by RadAudit
Sun Sep 30, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8478

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

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...
by RadAudit
Sat Sep 29, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 117
Views: 13835

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

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.
by RadAudit
Fri Sep 28, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 117
Views: 13835

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

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.
by RadAudit
Sat Sep 22, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8245

Re: How did you decide when to retire?

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.
by RadAudit
Mon Sep 17, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6934

Re: Is there such thing as saving TOO much?

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 ...
by RadAudit
Mon Sep 17, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: “Costly race to bottom on mutual fund fees”
Replies: 13
Views: 1844

Re: “Costly race to bottom on mutual fund fees”

“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...
by RadAudit
Mon Sep 17, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4836

Re: Dilemma: Add room to current house or buy new house?

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.
by RadAudit
Sun Sep 16, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1387

Re: Embarking on a large-scale home update

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.
by RadAudit
Sun Sep 16, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 94
Views: 14336

Re: What’s the magic savings rate???

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/
by RadAudit
Sat Sep 15, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12148

Re: Considering Quitting Job - Seeking Advice. Would you do it?

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.
by RadAudit
Sat Sep 15, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Index funds - how do they work? Do passive funds reliant on active funds indirectly?
Replies: 15
Views: 1176

Re: Index funds - how do they work? Do passive funds reliant on active funds indirectly?

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...
by RadAudit
Fri Sep 14, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: When to Retire
Replies: 48
Views: 6736

Re: When to Retire

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 ...
by RadAudit
Fri Sep 14, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1870

Re: Planning to Contact Vanguard

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...
by RadAudit
Fri Sep 14, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1870

Re: Planning to Contact Vanguard

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.
by RadAudit
Fri Sep 14, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1870

Re: Planning to Contact Vanguard

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.
by RadAudit
Fri Sep 14, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Slight fear of investing in general now
Replies: 20
Views: 2202

Re: Slight fear of investing in general now

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 ...
by RadAudit
Thu Sep 13, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Question for RMD'ers with predominantly bond IRAs
Replies: 11
Views: 935

Re: Question for RMD'ers with predominantly bond IRAs

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...
by RadAudit
Thu Sep 13, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 177
Views: 22551

Re: Vanguard - You'll need to sign up for security codes soon

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...
by RadAudit
Wed Sep 12, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4774

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

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.
by RadAudit
Wed Sep 12, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Retirement Advice - Almost 37, Spouse 39
Replies: 1
Views: 486

Re: Retirement Advice - Almost 37, Spouse 39

Please edit your post to get into this format. viewtopic.php?f=1&t=6212 Might get a few more answers.
by RadAudit
Wed Sep 12, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 42
Views: 3267

Re: Opinion's: Best time to withdraw RMD's when required to do so.

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...
by RadAudit
Tue Sep 11, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9888

Re: What will you do when you find you have more money than expected?

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...
by RadAudit
Tue Sep 11, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3152

Re: Remodel for aging in place

Adjust the height of the toilets
by RadAudit
Mon Sep 10, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9888

Re: What will you do when you find you have more money than expected?

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...
by RadAudit
Mon Sep 10, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 88
Views: 9235

Re: DNA ancestry testing

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.
by RadAudit
Sun Sep 09, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6751

Re: Lower Return Decade Says Jack: Thoughts?

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...
by RadAudit
Sun Sep 09, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 64
Views: 8943

Re: My daughter's inheritance.

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.
by RadAudit
Sat Sep 08, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Helping my dad with his IRA
Replies: 16
Views: 1280

Re: Helping my dad with his IRA

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.
by RadAudit
Fri Sep 07, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: D. E. Shaw fund prospectus - would you invest?
Replies: 35
Views: 2246

Re: D. E. Shaw fund prospectus - would you invest?

No.

The fees alone were enough to scare me off - and that was before I got to what they were investing in.
by RadAudit
Fri Sep 07, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: asset allocation -- why bond/stock split first?
Replies: 25
Views: 2057

Re: asset allocation -- why bond/stock split first?

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 ...