Bogleheads.org

naha66

itstoomuch wrote:I wonder how many posters are either still in the accumulation phase or in the "I got the Number" phase?

Or screw it, I got what I got, and deal with it.

Up 6.3 ytd 7/1/16

naha66

I would go and test drive both of them, see which one fits you the best. I just had Corolla as a rental car and hated the steering feel or lack of. Their both cheap commuter cars.

naha66

There is a problem with your math but I will need some free time to figure out what. But the bigger issue is the set of inputs you are using. The U.S. may have a run like Japan in the future or the future might not look like the 20th century where the US came up to be the biggest thing in the world...

naha66

Who's wrong? If this is directed at me I don't understand...really. When I look at all the dividend payouts in this chart they are ever increasing. I do see the 2/1 splits and so I got two shares for every one but my stock price was cut in half. I don't know how they distribute dividends in these c...

naha66

Larry, when was the last time AT&T(SBC) and VZ lowered their dividend payments? I'd say their dividend history is very relevant to an investor who is looking at their income streams. It's interesting to me that we accept treasury bonds yielding less and less (for safety sake) and yet we quickly...

naha66

If the fixed income portion of an account moves in the same way as the insurance company's general account then it may not matter. In general though, annuities are as expensive as they have been in a long time. I might ride it out for a while in cash to see if rates do increase in the near future ....

naha66

Minor league salaries. He should be able to find a part time job in a sporting goods store off season, or go to school

http://www.sportslawblogger.com/basebal ... ue-salary/

naha66

Both wellington and wellesley hold about 10% in non North America stock if you count canada its about 15%, and both hold 15-18% non us bonds.

naha66

I know (well, I've read research showing that) people guesstimate their own mortality based on their family but I still think that is a far cry from — at the start of retirement — making a guess about exactly how long your retirement needs to last. Yea that's my problem, my father died at 49 and my...

naha66

On March 13, 2013, Terry M. Dinan, senior advisor at the Congressional Budget Office, testified before the Subcommittee on Energy of the Committee on Science, Space, and Technology in the U.S. House of Representatives that federal energy tax subsidies would cost $16.4 billion that fiscal year, broke...

naha66

One of the problems with the international market is this.

Owner 2015-05-19:[4]
France – 10.9%
Germany – 10.9%
Spain – 4.1%
Other shareholders – 74.1%

Guess what company this is and this is not the only example.

naha66

I don't qualify since I was middle income before I retired. But I think being a Boglehead is more a state of mind than measure of financial worth. Those who have less to invest will end with less in the long run. But they will end up with more than non-Bogleheads of the same income level. What is m...

naha66

No ABNDX is a bond fund VTSAX is a stock fund. Compare it to BND you know apples to apples. Duh

They is no doubt you are trolling.

naha66

Listen to this podcast.

http://www.npr.org/sections/money/2016/ ... -vs-boring

naha66

Last time I checked trolling on a messages board means trying to get responses, you know mess with people.

naha66

Look at how bad ABNDX is trailing its index over 10 years in Morningstar. They include all fees in in total return, so you're giving up returns because of fees.

naha66

This guy is trolling. Anybody who the education this guy has(Having Masters in computer science with minor in math and statistics) has to be trolling.

naha66

Just read this. Load funds a BIG NO NO! Just put it in one of Vanguard LifeStrategy funds

http://www.bloomberg.com/news/articles/ ... -reckoning

naha66

No, retired at 59 with 450k no debt. Now 61 still have 440K. SS of 20k at 62 or 24.5k at 65,a small pension at 65,and receiving a period certain annuity till i turn 66 that i inherited. I'm not sure when I will take SS but I'm pretty sure it won't be 62. I'm looking at living on 36k-44k which give m...

naha66

+1

or

naha66

Thank you

naha66

Was there also a currency risk in the EM and other countries for the past year or so ?

naha66

RoxieII was the .75(12/28/2015) payed out in a distribution or reinvested back in the fund?

naha66

Its a yes at walmart, use to do it. Oil filter too.

naha66

As said before many times eat less and exercise. 3 years ago i weigh in at 180 lbs( I'm only 5'6") at 57. In 18 month got down to 142 by changing eating habits and exercise. I'm still in the low 140s. I went from taking blood pressure meds,pulse of 70, blood pressure even with meds was still hi...

naha66

When mircosoft announced that Steve Ballmer was stepping down, I made a bet that MSFT would jump and go up. Boy did that payoff, I just bet that anybody would be better than Ballmer.

naha66

Timeload

Read OP again. I purchased this on the advice of the Vanguard Advisory Services.

naha66

Why do people always assume its so much cheaper to live in the rural south? If you own your house in a small to medium size city anywhere other than the top COL areas its about the same. One of the highest costs in rural areas is transportation, you almost have to have car or truck in rural areas. A...

naha66

Show me 50% return from 2000_2010 best i could find is -2.29 w/o dividends

http://finance.yahoo.com/echarts?s=FSII ... king":true}

naha66

I would say if something hasn't for a 15 year period, why not ask . Some people are immune from being criticized. By the way I do have 10% in VEU and am debating on going to 15%.

naha66

[OT comment removed by admin LadyGeek] Average annual returns—updated monthly as of 12/31/2015 1 Year 3 Year 5 Year 10 Year Since Inception 03/02/2007 FTSE All-World ex-US ETF Market Price –4.76% 1.27% 1.17% — 1.03% FTSE All-World ex-US ETF NAV –4.67% 1.55% 1.26% — 1.06% FTSE All-World ex US Index*...

naha66

Click on expanded view, I assumed people on this forum were smarter than me.

naha66

Talk about short term selection. This is why I use both corp and treasury. Who would use less than one month performance or only 1 year. If you used only treasury's you give up too much long term.

http://performance.morningstar.com/fund ... on?t=VFICX

naha66

I also have nothing but good things to say about Scottrade, at $7 for ETF's and there reinvestment of div, and customer service. I'm not leaving anytime soon.

naha66

I'm glad I listened to Jack instead of Rick.

naha66

EDGE writes I am sure there are people with large enough holdings in Wellington to do this if they put their minds to it. The question is, why would anyone want to? Because some of us dummy's aren't smart like you, but seriously I have a friend who just turned 66 has been living off his wellington f...

naha66

E loan and ever bank has 1.85 3yr cds right now. they are on line banks.

naha66

2155.55

naha66

Up 4.1% thanks to the high grade investment perferred stocks. I have 35% vti 15% bond 50% perferred stock. I just like to beat Life Strategy Moderate growth fund. Whoops forgot about my cds.

naha66

Gary interview by Barry Ritholtz

http://media.bloomberg.com/bb/avfile/Ma ... fVSTUE.mp3

naha66

He must be kidding 2.5 withdrawal, really. I punched in 30 yrs, 4% return, 2.75 inflation and it comes up with a withdrawal of 3.95% lasting 30 years. Maybe he did smoke some mary jane or some one dropped him on his head. http://www.mycalculators.com/ca/retcalc1m.html

naha66

Wellington takes a different approach: 33% or so stocks with active stock and bond selection, What? you mean 33% bonds and 65% stocks.

naha66

What? transaction costs of reinvesting the dividends

I pay no transaction cost on dividends reinvesting and I'm pretty sure not many pay transaction costs on reinvesting dividends.

naha66

Apple didn't pay a div from 1996 to 8/2012. How much would that change the numbers?

naha66

The only rates the Fed controls is overnight, The market controls the rest.

There are two kinds of forecasters: Those who don’t know, and those who don’t know they don’t know.” -- John Kenneth Galbraith, famed economist

naha66

Wow going from 0% to 1/4%!

naha66

I see you have nothing else to do. Just can't give it up, must be that time of the year another bash of dividend paying stocks and I'm not even a proponent of dividend investing.

naha66

A few facts Mostly its reits and mlps that do not have qualified dividends, almost all other preferred have quailified dividend, being cumulative has nothing doing with being qualified. Its mostly banks and insurance companies that are non cumulative. A good place to check out preferred stock is htt...

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