Search found 674 matches

by AtlasShrugged?
Fri Mar 09, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: How Correlations Are Influenced
Replies: 30
Views: 2518

Re: Larry Swedroe: How Correlations Are Influenced

It may be because they license their institution has to the data is limited in some way. For instance, maybe they stopped paying the data access provider in 2013. AlohaJoe....Thx for the clarifications. I had not thought of these things. Still though, it would be nice if the various authors went ba...
by AtlasShrugged?
Fri Mar 09, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Accumulation-Dynamic Decumulation Strategy
Replies: 64
Views: 8538

Re: Accumulation-Dynamic Decumulation Strategy

This is Blanchett's WER (Withdrawal Efficiency Rate)....
AlohaJoe....Where would 'Prime Harvesting' fall in terms of efficiency?
by AtlasShrugged?
Wed Mar 07, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: Grandparent inheritence planning
Replies: 6
Views: 1079

Re: Grandparent inheritence planning

TheMilPhys....The person you want to respond to your thread is bsteiner.
by AtlasShrugged?
Wed Mar 07, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: How Correlations Are Influenced
Replies: 30
Views: 2518

Re: Larry Swedroe: How Correlations Are Influenced

One question I have. In the study Mr. Swedroe cited, the authors used data from 1961-2013. Why stop at 2013? Why not use data through 2016?
by AtlasShrugged?
Wed Mar 07, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 4329

Re: New vehicle research

Crow Hunter....Toyota Camry, 100%.
by AtlasShrugged?
Wed Mar 07, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: Using a 5y moving average to smooth withdrawals in VPW?
Replies: 70
Views: 7412

Re: Using a 5y moving average to smooth withdrawals in VPW?

It seems like a nice default allocation, in the middle between stock-heavy and bond-heavy allocations. Fair enough. Makes sense. My IPS has me on a glidepath to go down to 50/50 by age 62, which is 5 years before FRA. As long as I stay employed, and have a CAGR of 7%, my plan should 'work'. We'll s...
by AtlasShrugged?
Wed Mar 07, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Using a 5y moving average to smooth withdrawals in VPW?
Replies: 70
Views: 7412

Re: Using a 5y moving average to smooth withdrawals in VPW?

longinvest....It just hit me. The 50/50 portfolio. What was the reasoning for 50/50 and not using 60/40 or some other mix? Sorry if this is a dumb question, but I would rather look dumb and ask, rather than wonder.
by AtlasShrugged?
Wed Mar 07, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: Using a 5y moving average to smooth withdrawals in VPW?
Replies: 70
Views: 7412

Re: Using a 5y moving average to smooth withdrawals in VPW?

It can be very enjoyable to give away money while still alive. Yeah, you're right about that. Even better, I have found, is spending OPM. :happy That aside, you really came up with something very elegant with VPW, longinvest. I don't have occasion to use that word, elegant, very much - but it is ve...
by AtlasShrugged?
Wed Mar 07, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11010
Views: 1919709

Re: U.S. stocks in freefall

A 0.78% decline (S&P, currently) is not doing it for me. This is more like a wobble than a freefall.
by AtlasShrugged?
Wed Mar 07, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 16465

Re: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans

I am a pretty big fan of Larry Swedroe, though there are things he writes about that go right over my head. I know I am not that smart. And I was especially sorry to see him leave the forum. He was very willing to share his knowledge and experience and it was because of the personal attacks that he ...
by AtlasShrugged?
Wed Mar 07, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: Is Cash Trash? The Purpose of Cash
Replies: 212
Views: 25870

Re: Is Cash Trash? The Purpose of Cash

There is another dimension with cash that bears consideration: The feeling of security it can give you, or peace of mind. Example: We keep three months expenses in cash in our home safe as part of our emergency fund. Knowing that I have this 'cash cushion' in case of an emergency, zombie apocalypse,...
by AtlasShrugged?
Wed Mar 07, 2018 7:23 am
Forum: Investing - Theory, News & General
Topic: Using a 5y moving average to smooth withdrawals in VPW?
Replies: 70
Views: 7412

Re: Using a 5y moving average to smooth withdrawals in VPW?

Yes, longinvest and myself have been going back and forth for a long time on this smoothing thing, but one topic I believe we both agree on is to seek a clear and formulaic withdrawal plan. It is rather strange to see people define an Investment Policy with great discipline and great detail, but th...
by AtlasShrugged?
Wed Mar 07, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: In-law advice?
Replies: 24
Views: 2966

Re: In-law advice?

Catfish.....My advice is going to sound contrarian. It is not. Embrace it. Give your in-law a copy of If You Can. Tell your in-law to read it. You might then want to talk briefly about the advantages of starting to invest early (e.g. Compound interest is the eighth wonder of the world). Then I would...
by AtlasShrugged?
Wed Mar 07, 2018 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Should I "get divorced" for tax purposes (PSLF)
Replies: 57
Views: 4567

Re: Should I "get divorced" for tax purposes (PSLF)

Nayoya...I don't think it is a good idea to divorce merely to avoid paying a student loan that you willingly signed. There is an ethical dimension to consider here. :!: Your combined income is going to be close to 200K annually. There is more than enough income to meet your student loan payment obli...
by AtlasShrugged?
Wed Mar 07, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care: Excellent Morningstar article [75 Must-Know Statistics About Long-Term Care]
Replies: 23
Views: 3361

Re: Long Term Care: Excellent Morningstar article [75 Must-Know Statistics About Long-Term Care]

Here is a questions for BH'ers....Do you self-insure? And if so, for how many years do you plan?

Example: In my IPS, I am shooting for up to 4 years of nursing home care at 150K annually.
by AtlasShrugged?
Wed Mar 07, 2018 6:35 am
Forum: Personal Investments
Topic: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)
Replies: 14
Views: 1127

Re: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)

Are you sure the pension is not inflation-indexed? If indeed it is not, then it provides a terrible return.
#Cruncher....Yep, I am sure. The pension is not inflation adjusted.
by AtlasShrugged?
Tue Mar 06, 2018 9:27 am
Forum: Personal Investments
Topic: IPS – looking for details from Nisiprius, Livesoft and others
Replies: 39
Views: 5263

Re: IPS – looking for details from Nisiprius, Livesoft and others

Northernboy....Not sure if this will help you, but my IPS is an excel workbook with a heck of a lot of tabs and reports. Below are examples taken directly from my IPS. Tab 1: The Mission One: Debt will not dominate our lives. We learned harsh lessons about debt in our married life together. Debt is ...
by AtlasShrugged?
Tue Mar 06, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: Reuters-" Special Report: Fidelity puts 6 million savers on risky path to retirement"
Replies: 48
Views: 7577

Re: Fidelity Article

I think Fidelity, as a mutual fund company, offers a lot of quite decent mutual funds. Their index funds are better than "decent." This....x1,000. I have all my stuff through Fidelity (401K, Roth) in index funds, and they are just fine. Fidelity's website, and customer service are absolutely outsta...
by AtlasShrugged?
Tue Mar 06, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care: Excellent Morningstar article [75 Must-Know Statistics About Long-Term Care]
Replies: 23
Views: 3361

Re: Long Term Care: Excellent Morningstar article [75 Must-Know Statistics About Long-Term Care]

Indeed. That histogram exists, and it is not comforting at all. It's quite alarming. It's a perfect example of a situation in which an average is completely inappropriate can lead to bad decisions. Completely agree. A personal observation. My MIL has been in a nursing home (a pretty good one in my ...
by AtlasShrugged?
Tue Mar 06, 2018 8:42 am
Forum: Personal Investments
Topic: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)
Replies: 14
Views: 1127

Re: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)

Do we have adequate life insurance and disability coverage to take care of me if you are gone or can’t work? delamer...The answer is yes to both. I have life insurance insurance (3X salary) and disability coverage (66% of salary for life). Her monthly survivor benefit from SSA would be 2,700/month....
by AtlasShrugged?
Mon Mar 05, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care: Excellent Morningstar article [75 Must-Know Statistics About Long-Term Care]
Replies: 23
Views: 3361

Long Term Care: Excellent Morningstar article [75 Must-Know Statistics About Long-Term Care]

Bogleheads....The link below links to an excellent article discussing long term care. http://www.morningstar.com/articles/839527/75-mustknow-statistics-about-longterm-care.html This, in particular, was a scary stat: 52.3% - The expected percentage of people turning 65 who will have a long-term care ...
by AtlasShrugged?
Mon Mar 05, 2018 2:09 pm
Forum: Personal Investments
Topic: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)
Replies: 14
Views: 1127

Re: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)

Just w/respect to the pension buyout option, I'd definitely take it. A 101,500 lump sum, earning 4% would give you the rough equivalent of your monthly payment option, only it would preserve principal which may grow as well. Just my opinion, but it seems pretty straightforward. It will take you 24 ...
by AtlasShrugged?
Mon Mar 05, 2018 1:15 pm
Forum: Personal Investments
Topic: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)
Replies: 14
Views: 1127

Re: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)

First, is it correct that your wife is 66 and you are 52? Because that raises a lot of issues with retirement planning. Answer (Delamer): Yes, DW is 66 and I am 52. The siding must be done (cedar shingles are deteriorating). Yes, there is a joint/survivor option, the monthly number quoted was joint...
by AtlasShrugged?
Mon Mar 05, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 107860

Re: How much international stock? A suggestion.

I don't think there is anything wrong with your 75/25 choice. If you made this decision with your eyes wide open in the past, just stick to your plan. Yep, gave a lot of thought to this. The amount of diversification seemed right, and this ~25% appeared to have the best risk-adjusted return. What I...
by AtlasShrugged?
Mon Mar 05, 2018 11:50 am
Forum: Personal Investments
Topic: Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)
Replies: 14
Views: 1127

Portfolio Checkup: What have I missed? Some questions (pension buyout, DW SSA filing)

Bogleheads, it is time for a portfolio checkup. I need to see if there is anything additional I can do, or if a course correction is needed. Or maybe consider something I had not thought of before. Our total portfolio is in the very low six figures. I will say upfront that I am profoundly grateful t...
by AtlasShrugged?
Mon Mar 05, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Is it easier to 'know' when the US Total Market Index will fall/stagnate (versus rise) over a period of several days?
Replies: 14
Views: 1585

Re: Is it easier to 'know' when the US Total Market Index will fall/stagnate (versus rise) over a period of several days

Is a falling market more accurate to predict than a rising one over the short term?
global....In a word: No. Were this the case, we would have millions of 'Put Billionaires', I would think. They don't exist.
by AtlasShrugged?
Mon Mar 05, 2018 8:09 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 107860

Re: How much international stock? A suggestion.

When 20% is the only percentage of stocks that these two expert sources agree on, I feel comfortable using that 20% figure. Mr. Larimore, a question for you. What would make you change the 20% you recommend to another percentage (higher or lower)? Here is why I ask the question. I noticed in readin...
by AtlasShrugged?
Sat Mar 03, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Excellent Article On Conversion Of Human Capital To Investment Capital And Sequence Of Return Risk
Replies: 4
Views: 936

Re: Excellent Article On Conversion Of Human Capital To Investment Capital And Sequence Of Return Risk

Awesome article, great summary. I seem to recall a Kitces blog discussing this topic. I think the sequence of return risk applies for that first decade of retirement, and one approach Kitces discussed was going to a 50/50 allocation before retirement and staying at that allocation more or less for t...
by AtlasShrugged?
Sat Mar 03, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11569

Re: How does one emotionally keep it together during market swings?

GrayS26...I recently did a experiment with my Excel based IPS. I made a chart where I plotted the percent increase/decrease from the previous month. Now keep in mind I am contributing to my 401K and Roth IRA, so there is a big bias to an increase month over month. From a psychological perspective, I...
by AtlasShrugged?
Wed Feb 28, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: The Flexible Retirement Planner
Replies: 44
Views: 6846

Re: The Flexible Retirement Planner

I use the freeware version and have found no limitations. I think it's free for non-commercial use.
Admiral...I have the freeware version as well. I know it is a hell of a tool, just having a hard time grasping all the different aspects, and fully use the functionality of FRP.
by AtlasShrugged?
Wed Feb 28, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: The Flexible Retirement Planner
Replies: 44
Views: 6846

Re: The Flexible Retirement Planner

I have used it for about three years and like it very much. I used extensively for modeling my plans and understanding risk. I ended up putting detailed entries to build the model. Woodspinner, Admiral....Is it worth getting the license key? Or is the freeware version with three scenarios good enou...
by AtlasShrugged?
Wed Feb 28, 2018 9:31 am
Forum: Personal Investments
Topic: Max 401k or contribute to ESPP
Replies: 40
Views: 3047

Re: Max 401k or contribute to ESPP

Given the scenario what is my better option? tshaw....I don't think we can answer this without some information. One thing though...keep in mind, stocks can go down . Way down. Think about that one. :shock: How is your ESPP stock price determined? Is there a minimum holding period? What is your tax...
by AtlasShrugged?
Wed Feb 28, 2018 9:22 am
Forum: Personal Investments
Topic: Prime Harvesting Spreadsheet: Does it work in LibreOffice?
Replies: 1
Views: 293

Prime Harvesting Spreadsheet: Does it work in LibreOffice?

Bogleheads....A technical question. I downloaded the PDF of the first three chapters of 'Living off your money' (McClung). I am definitely buying the book....100%. But now I have a question about the spreadsheet available on his website. In the 'EXAMPLE Annual Withdrawal WS' tab, I am seeing a bunch...
by AtlasShrugged?
Wed Feb 28, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 6487

Re: Does anyone realize how special last year was?!

I saw people on reddit doing that because of bitcoin/altcoins. 20x returns just on buying at the beginning of 2017 and selling in December, and some people touting 100x returns from swing trading. There were quite a few posts on /r/financialindependence because of crypto. Let me answer you this way...
by AtlasShrugged?
Tue Feb 27, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 6487

Re: Does anyone realize how special last year was?!

an_asker....I share a similar outlook on 2017. It 'felt' sort of like 95-99, minus all the craziness and stupidity (i.e. quitting job to day trade, etc). Everything last year just 'clicked'. Last year, I felt like my money worked as hard for me as I did to earn it. A mutually reinforcing thing. It w...
by AtlasShrugged?
Sat Feb 24, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 39
Views: 6019

Re: Knob and Tube rewire cost

runner....I had a home with knob and tube wiring that I sold in 2007. The cost to replace it then was ~5,000 and my house was not large. Your estimate of 12.7K is probably not terrible....but absolutely, positively get multiple estimates. And yes, you will probably need a new panel box. Essentially,...
by AtlasShrugged?
Sat Feb 24, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: New Dryer with Issues... Should I return it?
Replies: 16
Views: 1597

Re: New Dryer with Issues... Should I return it?

Would you replace it with another dryer that will cost a lot more (because the sales just are not as good now)?
Um yes - return it. Strongly recommend Speed Queen.
by AtlasShrugged?
Sat Feb 24, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Fidelity International Index Funds
Replies: 3
Views: 994

Re: Fidelity International Index Funds

worker....I hold FTIPX (requires 10K minimum) in my Roth. I am very happy with it. Good exposure to emerging markets, and I like the tilt to developed small cap value. Low cost (0.10%). I have FSIVX in my 401K, which is also good, more geared toward large-cap developed. Also low cost (0.06%). I am a...
by AtlasShrugged?
Sat Feb 24, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 121
Views: 13051

Re: Larry Swedroe: What Investors Should Worry About

Just thought I would respond very briefly to the comments about commodities and state IMO how completely misplace the comments are for whole variety of reasons, and I will write a blog showing why. Mr. Swedroe...Hope to see you here more often. You have a lot of fans. I make it a point to read your...
by AtlasShrugged?
Sat Feb 24, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 8329

Re: Staying Motivated: How do you ward off hopelessness?

Pen to paper is definitely part of it for me. I do end of year/beginning of year “life review” exercises on paper for example.
luminous...Do you use a spreadsheet? When you do this exercise, do you try to categorize things, like 'relationships', 'finances', 'health', etc?
by AtlasShrugged?
Wed Feb 21, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Telling Tales: Value, Size, Int'l, REITs (2017 update)
Replies: 25
Views: 3262

Re: Telling Tales: Value, Size, Int'l, REITs (2017 update)

All this being said, we have to be careful, the human eye tends to find patterns where there is just noise...
Yes!!! That is so true, siamond. This is what I tell the younger set (mostly Millennials, that keep this Gen X guy on his toes) who work for me. :happy
by AtlasShrugged?
Wed Feb 21, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 12537

Re: Do you wear a wedding band? [at a job interview]

You aren't supposed to use marital status in hiring decisions.
Daft....Refer to my quote: It isn't what you know, or even what you think; it is what you can prove.

Regarding wearing the ring: I would. I think 'married' is a net plus. But that is me. Others can differ (and do). :happy
by AtlasShrugged?
Wed Feb 21, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 12537

Re: Do you wear a wedding band? [at a job interview]

Did you happen to get married yourself during that evolution?
Answer: Nope, was already married.
by AtlasShrugged?
Wed Feb 21, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Alternate Internet Service - Philadelphia PA
Replies: 5
Views: 493

Re: Alternate Internet Service - Philadelphia PA

BogleLearner....Dish network?
by AtlasShrugged?
Wed Feb 21, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Telling Tales: Value, Size, Int'l, REITs (2017 update)
Replies: 25
Views: 3262

Re: Telling Tales: Value, Size, Int'l, REITs (2017 update)

siamond...It was the last chart, "Telltale chart relative to TSM 1970-2017", that I was looking at which prompted my comment. Specifically, 1995 and onward. If I am interpreting the chart correctly, the relative performance of Total International lags TSM by a very healthy margin. I see the one 10-y...
by AtlasShrugged?
Wed Feb 21, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Telling Tales: Value, Size, Int'l, REITs (2017 update)
Replies: 25
Views: 3262

Re: Telling Tales: Value, Size, Int'l, REITs (2017 update)

Siamond....brilliant! Thank you.

God, total international really sucks. Atrocious is a kind description. Maybe Jack Bogle is right about that. :shock:
by AtlasShrugged?
Wed Feb 21, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 12537

Re: Do you wear a wedding band? [at a job interview]

It's not ridiculous. A man's ring sends different signals to prospective employers and women. To an employer it's a signal that a man is stable, is less likely to waste himself after work, and is motivated to make money. To a woman it's a signal that a man is unavailable. Victoria....Call me old-fa...
by AtlasShrugged?
Wed Feb 21, 2018 7:22 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 8329

Re: Staying Motivated: How do you ward off hopelessness?

I didn't read the other responses, but hope others chime in because I think this is likely a VERY common problem by many of our readers/ forum participants that most folks don't feel comfortable bringing up. staythecourse....Take the time to read the responses. They are well worth it. I also think ...
by AtlasShrugged?
Wed Feb 21, 2018 7:01 am
Forum: Investing - Theory, News & General
Topic: Which Inflation Rate Do You Use?
Replies: 19
Views: 1491

Re: Which Inflation Rate Do You Use?

During the decumilation phase, which inflation rate do you use for your annual inflation adjustment for distributions?
I use 4% (recommended by a CFA). Seems high, but I go with it.
by AtlasShrugged?
Tue Feb 20, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 8329

Staying Motivated: How do you ward off hopelessness?

Bogleheads....A question for this group. How do you deal with 'flagging motivation', or a sense that your financial goal is insurmountable, and cannot be achieved? Or dealing with the feeling that no matter how hard you try, it might be hopeless? What have you done to get you through those difficult...