Search found 2512 matches

by RadAudit
Tue Jul 25, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2796
Views: 805981

Re: What Movie Have You Recently Watched?

Dunkirk. I guess I should have seen it in IMAX; but it was still a pretty good flick in a regular theatre. Suspenseful. Not that gory for a war movie. Great if you like the sound of automatic weapons fire in the morning.
by RadAudit
Tue Jul 25, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 111
Views: 5390

Re: Investing Education and Mansplaining

Rightly or wrongly, she sees it as middle-aged (or later) white guys mansplaining to young women (even though the videos are not directed to women), and it doesn't cut it with her. I could go into a lot of explanation about why a lot of women feel this way, but all you have to do is pay attention t...
by RadAudit
Tue Jul 25, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 56
Views: 8467

Re: Murphy's Law Of Retirement

stocks are for accumulating wealth, bonds are for preserving wealth and cash is for spending wealth. Make sure you have enought cash and bonds so you don't have to sell your stocks and allow them time to recover. When they do, you sell stocks that have recovered and increased in value to refill you...
by RadAudit
Sun Jul 23, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Pension buyout option
Replies: 11
Views: 794

Re: Pension buyout option

This is probably wrong.

I figured $420 / mo for 20 years (65 to 85) would be worth 101,000 at 65.

To get to about $101,000 by 65, you'd need to invest the $29,216 for 15 years and receive an 8.6% / yr return.

But it has been a few years since I pushed numbers on a financial calculator.
by RadAudit
Fri Jul 21, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5285

Re: When to stop being "concerned"

SeeMoe wrote: keep investing and maintaining the AA as it's in our DNA now...


Thanks for the post and perspective.
by RadAudit
Fri Jul 21, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with career direction
Replies: 5
Views: 588

Re: Help with career direction

lateregistration wrote: Then again, if I'm really honest with myself, maybe all I want is to stay exactly in the position I'm in for the time being, try to negotiate a decent raise, and then avoid all the uncertainty.


Don't stay too long.
by RadAudit
Fri Jul 21, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Advise to mass distribute (Dave?)
Replies: 8
Views: 398

Re: Advise to mass distribute (Dave Ramsey?)

TheHouse7 wrote: BECOME A BOGLEHEAD!


Good advice. Might not want to bring that up with Dave.
by RadAudit
Thu Jul 20, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 7635

Re: Can anyone convince me I need international stock in my portfolio?

On a sub-set of the portfolio asset allocation question, Mr. Bogle offered this observation. “My own total portfolio is about 50/50 indexed stocks and short/intermediate bond indexes. At my age of 88, I’m comfortable with that allocation. But I confess that half of the time I worry that I have too m...
by RadAudit
Thu Jul 20, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3612

Re: Investing well for Retirement can be frustrating

Retire 10 years before them. No price can be placed on 10 years. :moneybag Exactly. I was out at 55. All the folks with expensive cars, oversized houses, boats etc. continued to work for years. I was out sailing last night (other person's boat). One of the crew was 73. He felt he had to work anothe...
by RadAudit
Thu Jul 20, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5285

Re: When to stop being "concerned"

celia wrote:When you stop breathing or dementia sets in.


I was concerned that might be the answer. :wink:
by RadAudit
Thu Jul 20, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Pre-pay four year tuition?
Replies: 14
Views: 1503

Re: Pre-pay four year tuition?

Can you get your money back if junior or junette decides on an alternate path through life - one that doesn't run through Harvard?
by RadAudit
Wed Jul 19, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Column: Giving thanks to Jack Bogle, the man that’s helped millions of investors and me
Replies: 2
Views: 603

Re: Column: Giving thanks to Jack Bogle, the man that’s helped millions of investors and me

nedsaid wrote: Sincere gratitude is in short supply nowadays.


That is a pity. As the article pointed out gratitude is beneficial to the giver as well as the receiver.
by RadAudit
Wed Jul 19, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Slow, steady AA glide path as long as stocks hit new highs?
Replies: 21
Views: 1933

Re: Slow, steady AA glide path as long as stocks hit new highs?

What ever works for you is OK.

I remember using the chunk method during the annual \ periodic rebalance; but, it probably doesn't matter - keeping in mind tax impact, etc. of course.
by RadAudit
Wed Jul 19, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5285

Re: When to stop being "concerned"

We can't be certain our allocations are right for us, but we can use common sense to come as close as possible. Thanks. One of the things I have picked up from the forum is that you can mitigate a number of the known risks. A good application of common sense can go a long ways in tamping down those...
by RadAudit
Tue Jul 18, 2017 4:51 pm
Forum: Investing - Theory, News & General
Topic: The Quest for Perfection
Replies: 120
Views: 6103

Re: The Quest for Perfection

Disclaimer - note that this is completely hypothetical, is not a suggestion, and may not even be a good idea. It simply represents the results of my thinking on what a complete portfolio could look like. This is what happens when I overthink things…. Anyway, here goes: I admire your tenacious pursu...
by RadAudit
Tue Jul 18, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5285

Re: When to stop being "concerned"

littlebird wrote:I would add - if you're of retirement age - plus enough for at least a couple of years of long term care.


Thanks
by RadAudit
Tue Jul 18, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5285

Re: When to stop being "concerned"

Toast_the_Knowing wrote: I believe that you can stop worrying when you have 10 years of expenses socked away in fixed-income


Thanks
by RadAudit
Tue Jul 18, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5285

When to stop being "concerned"

I saw this excerpt in a recent Vanguard Blog post by Andy Clark Vanguard Founder Jack Bogle circulated a letter that he’d written to a young investor daunted by potential catastrophes. An excerpt: “My own total portfolio is about 50/50 indexed stocks and short/intermediate bond indexes. At my age of...
by RadAudit
Tue Jul 18, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio options
Replies: 4
Views: 401

Re: Portfolio options

Welcome to the forum. is there any advantage to taking, let’s say $3000.00 from my index funds and investing it into three different managed funds at $1000.00 a piece and just let it sit for 12 months? Probably not. I'd suggest a longer time horizon when making decisions about funds for retirement. ...
by RadAudit
Mon Jul 17, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 3040

Re: Cramer makes the bull case for including bonds in your portfolio

I'm the least qualified among the posters to defend any theory some BH'ers may subscribe to. Why shouldn't you be 100% equity if you dont need to depend on your investment to live on and can stomach market downturns? ... the more bonds we should have but that may not be the best way to increase weal...
by RadAudit
Mon Jul 17, 2017 8:08 am
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 3040

Re: Cramer makes the bull case for including bonds in your portfolio

From the article. "How much of a retirement portfolio should be kept in bonds versus stocks? Cramer broke it down by age: 20s: None 30s: 10 percent of your retirement fund; 20 percent if you are conservative 40s: 20 to 30 percent bonds 50s: 30 to 40 percent 60s: 40 to 50 percent Post-retirement...
by RadAudit
Sat Jul 15, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Investing in company stock?
Replies: 17
Views: 711

Re: Investing in company stock?

It is difficult to give you a good answer without knowing more about your situation. The safe answer is don't do it. A more complex answer is it depends. Will the stock be in a tax advantaged account? How long is the required holding period? When / can it be sold and the proceeds rolled in to a low ...
by RadAudit
Sat Jul 15, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: The legacy and luck of Vanguard's Jack Bogle - Marketwatch
Replies: 4
Views: 875

Re: The legacy and luck of Vanguard's Jack Bogle - Marketwatch

The question has always been whether it is better to be lucky or good? Sometimes when the stars align you can be both - and a whole bunch of people can benefit, too. Of course, you might have to work real hard for several decades until the idea catches on.
Thanks for the link.
by RadAudit
Thu Jul 13, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Question on weighted allocation of stocks
Replies: 3
Views: 224

Re: Question on weighted allocation of stocks

Welcome to the forum. I'm sure folks prepared to give better answers will be along shortly. In the German community there seems to be a strong opinion in favour of GDP-weighting, which I read very little about here. Is that because it's generally considered a bad idea? I don't know if GDP-weighting ...
by RadAudit
Tue Jul 11, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Hundreds laid off at Fidelity
Replies: 22
Views: 4214

Re: Hundreds laid off at Fidelity

How is this actionable? I guess we could all abandon our BH principles, remove our money from VG index funds, and invest in any of Fidelity's higher priced, active funds. :wink: This whole process is sort of like bemoaning the eventual demise of the Mom and Pop stores on the town's Main Street whil...
by RadAudit
Tue Jul 11, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Hundreds laid off at Fidelity
Replies: 22
Views: 4214

Re: Hundreds laid off at Fidelity

it galls me to see co-workers laid off in order to "align with business needs" when the company just had a banner year in profit and CEO has incredible wealth via stock options. I saw a number of lay-offs while I was employed. It was never pretty. I never liked them. But, now as an invest...
by RadAudit
Sun Jul 09, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: How Vanguard Founder Jack Bogle Is Backed by 'Murderers' Row' of Economists and Investors
Replies: 5
Views: 1460

Re: How Vanguard Founder Jack Bogle Is Backed by 'Murderers' Row' of Economists and Investors

It comes across a little too "blow-your-own-horn" for me, and not how I usually see him. I think he was just trying to find a new and different way of getting the same message out that he's been trying to let folks know about since 1976(?). I saw a quote the other day, from Clements (?), ...
by RadAudit
Sun Jul 09, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Saving or being stingy?
Replies: 21
Views: 2405

Re: Saving or being stingy?

Welcome to the forum. I think we should make a clear difference in saving for the future and investing and ... always thinking about saving a couple of bucks just to travel the world. There is a difference between saving and being stingy. But for some, saving and thinking about what you might do som...
by RadAudit
Sun Jul 09, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: Retirement is Risky Business
Replies: 41
Views: 6856

Re: Retirement is Risky Business

littlebird wrote:After 29 years of retirement (early and on a shoestring and with a considerably older spouse), I've faced (knowingly or not) many of these risks, and am still on a placid course towards the ultimate one. :happy


Good, then there's still hope for the rest of us who aren't as far along on the trek.
by RadAudit
Sat Jul 08, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: New Information, New Viewpoint on Investing?
Replies: 28
Views: 2447

Re: New Information, New Viewpoint on Investing?

I use to think that rebalancing the portfolio was a fairly straight forward thing. But, after reading the book and the discussion on McClung's (?) Living Off Your Money, I'm not as sure as I used to be. At least he's giving me a good rationalization - and we all need one of those from tine to time -...
by RadAudit
Fri Jul 07, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: Retirement is Risky Business
Replies: 41
Views: 6856

Re: Retirement is Risky Business

If I had read this before I retired, I'd still be working. But, after seven years, I've avoided these problems - so far.
by RadAudit
Fri Jul 07, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: Recent absence of advantage for the "classic factors strategy"
Replies: 17
Views: 1333

Re: Recent absence of advantage for the "classic factors strategy"

I'm reminded that Mr. Swedroe used 20 years as a time frame when he was discussing factor performance in one his books. I believe he said 10 years was too short of a time frame to expect the out performance of the factors to show up. Might be something my kids might be interested in.
by RadAudit
Thu Jul 06, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6336

Re: Is it Safe to Get Your DNA Tested?

Bob.Beeman wrote:This sounds like a fun thing to do


Given your concerns, I doubt if the fun is worth the possible price.

As for me, DNA tests found a break in the family line about four or five generations ago. There go all the family stories down the tubes.
by RadAudit
Thu Jul 06, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein on Meb Faber's podcast
Replies: 54
Views: 6720

Re: William Bernstein on Meb Faber's podcast

iceport wrote:— Any expression of skepticism about the promise of the market is met with vehement opposition.


Yep, Bill's been reading postings on this forum for sure. :wink:
by RadAudit
Thu Jul 06, 2017 8:10 am
Forum: Investing - Theory, News & General
Topic: Time in the market is more important, But seriously ?
Replies: 60
Views: 7365

Re: Time in the market is more important, But seriously ?

On the other hand, if you're short your goal and your expected return is insufficient to meet your goal given the timeline, then you may need to take more risk but at the same time your ability to take risk may be lower because you are short your goal. If you can't take the risk, either lower your ...
by RadAudit
Tue Jul 04, 2017 8:08 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 218
Views: 29250

Re: What's the ideal safe retirement net worth target?

I think most people want to be comfortable, not super luxurious and their main goal/fear is to run out of money, especially when physically challenged later in life. +1. Works for me. That's the primary goal. I'm about seven years in to retirement. Same goals / fears. Maybe I've expanded the number...
by RadAudit
Mon Jul 03, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Suggesting to a parent to leave Edward Jones
Replies: 23
Views: 2403

Re: Suggesting to a parent to leave Edward Jones

Has anybody been in a similar position and what would you advise to help your parent out? I'm just really worried she is going to be taken advantage of here. Is she being taken advantage of? Yes. But other questions arise. How old is Mom? Does she have enough money to make it through the end of her...
by RadAudit
Sun Jul 02, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for a new retiree
Replies: 16
Views: 1155

Re: Investment Advice for a new retiree

I'm slogging through Living Off Your Money by McClung. And, if I ever get to the end of it, I might have an opinion on how well or poorly it maps out a plan to live off your money in retirement. Right now, I'm deep in the weeds. Not a good book to start out with.
by RadAudit
Sun Jul 02, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for a new retiree
Replies: 16
Views: 1155

Re: Investment Advice for a new retiree

Welcome to the forum. anyone can get up to speed on most any topic, if they just read, I don't plan on paying a financial advisor. But the more I read, the more I tend to be uncertain about where to invest this money. Bingo! What to read and what to believe when there are soooo many different view p...
by RadAudit
Sun Jul 02, 2017 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommended Retirement allocation too simple?
Replies: 70
Views: 6300

Re: Vanguard recommended Retirement allocation too simple?

BUT, I could be wrong. I won't know until after and then at that point I won't know if that trend will continue. Doh. +1 And, trying to guess what'll work in the future will drive you nuts if you let it. The future is unknown. Find an asset allocation you are comfortable with and stay the course. S...
by RadAudit
Sat Jul 01, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on what are the best ways to invest on a college campus?
Replies: 25
Views: 1621

Re: Advice on what are the best ways to invest on a college campus?

OK. This is going to make me sound like the old fogey that I am. Your job at college is to attend class, learn and graduate. Unfortunately, you have to eat and have a place to sleep in order to live. How you balance these demands is part of your education. On campus jobs are good because they probab...
by RadAudit
Sat Jul 01, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Advice on what are the best ways to invest on a college campus?
Replies: 25
Views: 1621

Re: Advice on what are the best ways to invest on a college campus?

Welcome to the forum. I'm not really sure how I should be investing in these groups, if at all. The short answer is don't do it. What you are suggesting - investing in student / locally owned businesses - is a step below micro-caps. (Mini-micros?) And it's more like venture capital and angel investi...
by RadAudit
Fri Jun 30, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Switching from Vanguard Target Fund to equivalent Vanguard Mutual Funds
Replies: 4
Views: 440

Re: Switching from Vanguard Target Fund to equivalent Vanguard Mutual Funds

OK. This is just personal opinion. I'm 70. Most (90%+) of my portfolio is in tax advantaged accounts in four funds. Rebalancing is easy. It's a two step process to avoid multiple withdrawal restrictions during a 30 day period on some funds. I've set up a very simple spreadsheet, although you could d...
by RadAudit
Thu Jun 29, 2017 7:21 am
Forum: Investing - Theory, News & General
Topic: Time in the market is more important, But seriously ?
Replies: 60
Views: 7365

Re: Time in the market is more important, But seriously ?

Be sure you choose an asset allocation that matches your need, willingness and ability to invest. Think risk tolerance. Then invest your funds overtime IAW your predetermined asset allocation.
by RadAudit
Wed Jun 28, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Eight Signs You are a Seasoned Investor by Johnathan Clements
Replies: 19
Views: 4419

Re: Eight Signs You are a Seasoned Investor by Johnathan Clements

pkcrafter wrote: I'm providing a link to all the lists.


Thanks
by RadAudit
Tue Jun 27, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Compelling Beneficiaries to Respond - Trust
Replies: 14
Views: 1114

Re: Compelling Beneficiaries to Respond - Trust

Jack FFR1846 wrote: Perhaps do a little digging, find their current phone, email, facebook contact info and get in touch to let them know that this isn't some scam.


Ancestry.com?
by RadAudit
Sat Jun 24, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Can you share some of your financial goals?
Replies: 69
Views: 7573

Re: Can you share some of your financial goals?

Tycoon wrote:Investment income > salary


For you, that goal is already on the horizon (the far horizon). Just wait until you retire .... :wink:
by RadAudit
Fri Jun 23, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can you share some of your financial goals?
Replies: 69
Views: 7573

Re: Can you share some of your financial goals?

Now that I'm in retirement, my main financial goal is to make the portfolio last at least as long as the DW and I are alive and still go where I / we want to go and do what I / we want to do.
by RadAudit
Fri Jun 23, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 52
Views: 4118

Re: Is VG Total Stock Market Index too concentrated?

I would say that the cap weighted index is by definition perfectly diversified. Does the same argument apply to countries like Spain, Denmark, Switzerland and South Korea, where the top 3 constituents make up 50% of the combined market cap in each country? If not, why not? I'm not sure. I believe s...
by RadAudit
Wed Jun 21, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy or Target Retirement Funds?
Replies: 17
Views: 1954

Re: LifeStrategy or Target Retirement Funds?

David Jay wrote:I think that the answer applies to you and to RadAudit (6:27am) - 10% just doesn't make that much difference


Thanks

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