Search found 599 matches

by looking
Mon Aug 12, 2013 7:25 pm
Forum: Personal Consumer Issues
Topic: i'm thinking [of] retiring in Hawaii ( retired already)
Replies: 38
Views: 7173

i'm thinking [of] retiring in Hawaii ( retired already)

hello folks i'm thinking retiring in Hawaii . I'm 74 years single, retired, SS income $1600 per month with medicare,and other income around $2000 total $3600 per month. And may be i can buy 1 bed /1 bath very small with cash $ 150,000 fix upper so no mortgage payment if i can find and just sleeping ...
by looking
Mon Jul 15, 2013 6:19 pm
Forum: Personal Consumer Issues
Topic: Garlic anyone?
Replies: 51
Views: 6195

Re: Garlic anyone?

Are there any regular consumers of garlic here? The big issue obviously is the smell. How do you handle that? I want to consume 1 clove a day. Don't have much faith in garlic supplements. garlic is very good you can live longer than people not eating it just like medicine it cures ever thing god gi...
by looking
Mon Jul 15, 2013 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 48
Views: 6140

Re: AA. Now 70/30. Thinking of 80/20.

I did raise 50% to 80% equity exposure it is helping adding numbers otherwise very slow to reach my goal
it is gamble or irrational or not bogleheads discipline i do not know .
looking
by looking
Mon Jul 15, 2013 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 48
Views: 6140

Re: AA. Now 70/30. Thinking of 80/20.

The thinking behind it is to reach my number faster. It is not based on any recent market performance. I will keep the same AA 80/20 even if stocks go down by 50% or more. Please comment. Thanks. Age: 42 Times annual expenses accumulated: 7 Marginal Tax rate: 25% Emergency fund: Yes Debt: Mortgage ...
by looking
Mon Jul 15, 2013 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 48
Views: 6140

Re: AA. Now 70/30. Thinking of 80/20.

The thinking behind it is to reach my number faster. It is not based on any recent market performance. I will keep the same AA 80/20 even if stocks go down by 50% or more. Please comment. Thanks. Age: 42 Times annual expenses accumulated: 7 Marginal Tax rate: 25% Emergency fund: Yes Debt: Mortgage ...
by looking
Mon Jul 15, 2013 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 48
Views: 6140

Re: AA. Now 70/30. Thinking of 80/20.

stemikger wrote:I have no answers for you, but I'm curious to see what others have to say.


is this vanguard fund --- international large blend and international small blend ?? then what is name of the vanguard fund

looking
by looking
Mon Jul 15, 2013 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: my tip went down 10%
Replies: 6
Views: 1267

my tip went down 10%

My tip ( vangurd tip )went down 10% so what shall i do sell or wait or lifting
by looking
Mon Jul 15, 2013 5:26 pm
Forum: Personal Consumer Issues
Topic: Garlic anyone?
Replies: 51
Views: 6195

Re: Garlic anyone?

I do not eat it much but mostly because it is too hard on my stomach. However, when I was younger I used to make soup, and I learned that if you put an entire clove in a large batch of soup and let it completely cook out, it will not be as strong as you would think. The cooking seems to remove a lo...
by looking
Mon Jul 15, 2013 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: AARP Medigap Plan F. - Your experience w. rate increases?
Replies: 29
Views: 19897

Re: AARP Medigap Plan F -- your experience w. rate increases

All Medigap plans increase rates, some more than others. You decided on AARP's Medigap. Did you compare rates of other companies at m ? I am on my 15th year with Medigap and my wife on her 8th I started with AARP, but that lasted only one year because of their rate increase. i compared rates for pl...
by looking
Fri Apr 19, 2013 5:26 pm
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 7346

Re: Cheapest iPhone voice only plan

Yes sometimes when the WiFi is weak, the symbol goes away and immediately the cellular data is used. I meant that when I said that the phone "decides" which connection to use. If WiFi is super weak, it will decide not to try to connect to the specified WiFi network and used cellular data ...
by looking
Sun Apr 07, 2013 10:56 pm
Forum: Personal Consumer Issues
Topic: Cheapest iPhone voice only plan
Replies: 77
Views: 7346

Re: Cheapest iPhone voice only plan

Sidney wrote:I'd check out Tracfone or Straighttalk.

where i can buy unlocked smartphone and how does the sim card work
by looking
Sat Mar 30, 2013 8:38 am
Forum: Personal Consumer Issues
Topic: is window 8 good ??
Replies: 49
Views: 4112

Re: is window 8 good ??

mike143 wrote:
Fieldsy1024 wrote:I have Win 8 on my phone and it is way better than any iphone or android IMO.

The only thing it lacks is Apps, but soon enough it will catch up.

Without availability of quality apps, what is a smartphone for? It has been out for quite awhile now.



what does APPs means
by looking
Wed Feb 20, 2013 10:34 am
Forum: Personal Consumer Issues
Topic: is window 8 good ??
Replies: 49
Views: 4112

Re: is window 8 good ??

where I can find consumer forum
by looking
Wed Feb 20, 2013 10:06 am
Forum: Personal Consumer Issues
Topic: is window 8 good ??
Replies: 49
Views: 4112

is window 8 good ??

is window 8 is best of all - I bought dell i5 with window 8 but i'm not sure I like e or not otherwise I can return or can i just install XP
by looking
Wed Feb 20, 2013 10:01 am
Forum: Personal Consumer Issues
Topic: looking for best prepaid cell phone and carrier
Replies: 5
Views: 1419

looking for best prepaid cell phone and carrier

looking for best prepaid cell with carrier and where I can buy unlocked phone and who takes it as carrrier
by looking
Wed Feb 20, 2013 9:55 am
Forum: Investing - Help with Personal Investments
Topic: why so much down VG tip should i sell now
Replies: 12
Views: 1757

why so much down VG tip should i sell now

vanguard tip is being downed every day I lost lots of money so what shall I do now --should I sell or wait to see if back up
by looking
Tue Jan 29, 2013 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: i need help this one
Replies: 8
Views: 895

Re: i need help this one

livesoft wrote:I do not know. I thought you were interested in ETFs.


DFA doesn't have ETFs ,only mutual fund, am I right. ???
what about wisdom tree ?? or i shares ??
by looking
Tue Jan 29, 2013 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: i need help this one
Replies: 8
Views: 895

Re: thank you livesfot

livesoft wrote:Check out the "here" links at http://www.altruistfa.com/dfavanguard.htm

If the ETF isn't listed, then no reason to own it.


hi live soft

where can i buy the DFA funds

best wishes

looking
by looking
Tue Jan 29, 2013 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: i need help this one
Replies: 8
Views: 895

i need help this one

Hello folks happy new year all I’m looking for followings below ETF’s,. I don’t know where to find them Domestic micro cap value (US) International large value (excluding US) International small value ( same ) International microcap value (same) International dividend (same) Emerging large value Eme...
by looking
Sun Jan 13, 2013 12:39 am
Forum: Personal Consumer Issues
Topic: Cleveland Clinic
Replies: 31
Views: 3854

I'm too planing to go Cleveland for my GI diagnsis

I Need to go Cleveland Clinic for MY GI problems diagnosis too I'm too planing to go Cleveland Clinic for diagnosis on my GI problems( gastritis ,and abdominal pain) i'm not sure if they have good doctors and i really don't know how to choose right doctor for me and also if this is right clinic for ...
by looking
Thu Nov 22, 2012 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: please comment on my portfolios
Replies: 5
Views: 583

please comment on my portfolios

Hello folks Please see my portfolio below, and comment and suggestion on it. I would appreciate it. Retired, married 73, with wife 64 no income not retired yet, social security income only no other income and 1 year cash reserve. .tax rate 10% fed and state (long story. NOL carry over) California Al...
by looking
Fri Jul 27, 2012 11:28 am
Forum: Investing - Theory, News & General
Topic: This is why you diversify
Replies: 173
Views: 17081

Re: This is why you diversify

Jerry lee 12YR Real Returns S&P 500 = -1.0% Russell 3000 = -0.5% US Large Value = +2.0% US Small Cap = +4.1% US Small Value = +7.2% DJ US REITs = +9.7% MSCI EAFE = -1.3% Int'l Large Value = +0.5% Int'l Small Cap = +3.5% Int'l Small Value = +5.0% S&P Int'l REITs = +8.0% MSCI EM = +6.5% EM Lar...
by looking
Fri Jul 27, 2012 11:06 am
Forum: Investing - Theory, News & General
Topic: This is why you diversify
Replies: 173
Views: 17081

Re: This is why you diversify

thank you Taylor where can we find out precisely the information to verify these numbers below; Morningstar category returns for the 15-year period ending 6-30-00: Style.......1 Yr.....3 Yr......5Yr....10 Yr....15 Yr. LCG......27.19...27.04...24.98..17.85...17.15 LCB........8.93...17.29....20.35...1...
by looking
Thu Jul 26, 2012 2:37 pm
Forum: Investing - Theory, News & General
Topic: This is why you diversify
Replies: 173
Views: 17081

Re: THIS is why you diversify

Jerry lee

Excellent thread

This is the best thread I have never read -

Where can I find;
Int’l small value
EM Large Value
EM small cap
Bridgeway Micro


Thanks you

fs
by looking
Wed Jul 25, 2012 6:08 pm
Forum: Investing - Theory, News & General
Topic: This is why you diversify
Replies: 173
Views: 17081

Re: THIS is why you diversify

I posted a similar list in a thread yesterday that I thought would have more universal interest in a separate thread. I went back 12 years (summer of 2000) to look at the real returns of every asset class under the sun. What I found was, outside of the EAFE (ironically, the most common additional e...
by looking
Thu Jul 19, 2012 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Loomis Sayles Bond
Replies: 4
Views: 953

Loomis Sayles Bond

HI all

any one knows about this bond --Loomis Sayles Bond - is it like total bond and where i can find out

thank you

fs
by looking
Thu Jul 19, 2012 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Whats your Asset Allocation for 60-70 year old's?
Replies: 59
Views: 16519

Re: Whats your Asset Allocation for 60-70 year old's?

We are 65 and 71 years old. Roughly 30% equities and 70% bonds with a healthy corporate bond exposure. All intermediate maturity bonds with the exception of long term bonds in VG TBM. Returns for the last 4.5 years. 2008 lost 11.9% 2009 Gained 13.96 2010 Gained 10.6% 2011 Gained 2.5 YTD Gained 5.7%...
by looking
Thu Jul 19, 2012 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Sick of Mutual Funds...
Replies: 42
Views: 4006

Re: Sick of Mutual Funds...

as an average investor how some one can verify those vanguard return posted here for 2002 to 2011 for almost almost 10 years ???

just curiosity
by looking
Wed Jul 18, 2012 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: where to find umbrella insurance companies
Replies: 4
Views: 996

Re: where to find umbrella insurance companies

Assuming you are, for whatever reason, looking for a company other than the one who writes the primary insurance, here's one article that lists several stand alone umbrella companies, and offers some coverage comparisons; m ... ement.aspx I am not affiliated with IRMI and merely offer this link as ...
by looking
Wed Jul 18, 2012 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: where to find umbrella insurance companies
Replies: 4
Views: 996

where to find umbrella insurance companies

I need to buy an umbrella insurance for my rental home- anyone suggests where to find a good company or some online companies.

best wishes

fs
by looking
Wed Jul 18, 2012 12:52 am
Forum: Investing - Theory, News & General
Topic: David Swensen - Pioneering Portfolio Management Book
Replies: 33
Views: 5173

Re: David Swensen - Pioneering Portfolio Management Book

Has anyone read this book? If so did you find it useful and overall a good book? I have already read Unconventional Success. Burton Malkiel recommended this book for both institutions and individuals. m i tried to buy that particular book ( investment by David swensen ) in the Amazon but not availa...
by looking
Wed Jul 18, 2012 12:04 am
Forum: Investing - Help with Personal Investments
Topic: Whats your Asset Allocation for 60-70 year old's?
Replies: 59
Views: 16519

Re: Whats your Asset Allocation for 60-70 year old's?

We are 65 and 71 years old. Roughly 30% equities and 70% bonds with a healthy corporate bond exposure. All intermediate maturity bonds with the exception of long term bonds in VG TBM. Returns for the last 4.5 years. 2008 lost 11.9% 2009 Gained 13.96 2010 Gained 10.6% 2011 Gained 2.5 YTD Gained 5.7%...
by looking
Tue Jul 17, 2012 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Whats your Asset Allocation for 60-70 year old's?
Replies: 59
Views: 16519

Re: Whats your Asset Allocation for 60-70 year old's?

We are 65 and 71 years old. Roughly 30% equities and 70% bonds with a healthy corporate bond exposure. All intermediate maturity bonds with the exception of long term bonds in VG TBM. Returns for the last 4.5 years. 2008 lost 11.9% 2009 Gained 13.96 2010 Gained 10.6% 2011 Gained 2.5 YTD Gained 5.7%...
by looking
Sun Jul 15, 2012 4:02 pm
Forum: Personal Consumer Issues
Topic: Visit Banff: any suggestion
Replies: 37
Views: 3262

Re: Visit Banff: any suggestion

Hi, Plan to fly into Calgary, and tour Banff and Jasper, etc for about 5 days there. A lot of info on internet, but too much for an old guy like me. So wonder if someone could give a very simple outline and then I try to fill in some blanks.. The goal is just to rent a car in Calgary, and drive aro...
by looking
Sun Jul 15, 2012 11:02 am
Forum: Investing - Theory, News & General
Topic: Update on a Swedroe-type portfolio
Replies: 268
Views: 74736

Re: It never loses its charm...

Henry Sadovsky wrote:.
larryswedroe wrote:... consider strongly tilting more to size and value and lowering equity allocation. That will produce lower potential dispersion of returns without lowering expected returns.


Something for nothing? What is the risk?



Henry


need to home work to understand fully
by looking
Sat Jul 14, 2012 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Whats your Asset Allocation for 60-70 year old's?
Replies: 59
Views: 16519

Re: Whats your Asset Allocation for 60-70 year old's?

As you see by the other answers, it is personal. I am 78. At 60 I was about 60% stocks. At 65, when I retired, I was about 57%. I live off of these investments plus Social Security....no pensions. By the time I was 70, I changed to 100 minus my age in stocks, so it was about 30%. Presently I have 2...
by looking
Sat Jul 14, 2012 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Portfolio Management (www.etfpm.com)
Replies: 7
Views: 1845

Re:

Interesting site, I've never heard of them. I think it does actually show that a passive index based approach does end up beating actively managed portfolios (including their own). It also shows that you dont need to be overly complex in your number of asset classes to improve performance, at least...
by looking
Sat Jul 14, 2012 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Whats your Asset Allocation for 60-70 year old's?
Replies: 59
Views: 16519

Re: Whats your Asset Allocation for 60-70 year old's?

Holding at 50/50 at age 65, but I have a DBP indexed to inflation to cover the essential stuff, and yet to take SS.

what is DBP index????
by looking
Thu Jul 12, 2012 5:44 pm
Forum: Investing - Theory, News & General
Topic: Living off the interest VS Gobbling your nest egg in retrmnt
Replies: 44
Views: 6369

Re: Living off the interest VS Gobbling your nest egg in ret

some time i just wonder to see if there is portfolio to be constructed making living off preserving capital

fs
by looking
Thu Jul 12, 2012 4:04 pm
Forum: Investing - Theory, News & General
Topic: Living off the interest VS Gobbling your nest egg in retrmnt
Replies: 44
Views: 6369

Re: Living off the interest VS Gobbling your nest egg in ret

4% withdrawal rate is generally safe for 30 years of withdraw. Meaning that it'll be gobbling up your nest egg. From my poking with firecalc, a roughly 2% withdrawl rate should provide for a perpetual withdrawl, meaning that your nest egg is staying intact, and in most scenarios growing. i know the...
by looking
Thu Jul 12, 2012 3:54 pm
Forum: Investing - Theory, News & General
Topic: Living off the interest VS Gobbling your nest egg in retrmnt
Replies: 44
Views: 6369

Re: Living off the interest VS Gobbling your nest egg in ret

Hi Bogleheads, I understand that for many of us, the goal of retirement is to be able to live off the interest (and capital gains, and dividends) of our retirement nest egg. However the unfortunate reality for most Americans is that they must gobble up their nest egg after they have finished sittin...
by looking
Thu Jul 12, 2012 12:52 pm
Forum: Forum Issues and Administration
Topic: Alex Frakt and Forum Administration
Replies: 38
Views: 6295

Re: Alex Frakt and Forum Administration

Bogleheads: It is unfortunate that our Forum members cannot see what goes on behind the scene in the administration of this forum. This is a recent (PM) from Alex Frakt to a problem poster. It tells us more about Alex than the problem poster: (Name withheld): I don't know if you remember me, but I ...
by looking
Thu Jul 12, 2012 8:06 am
Forum: Investing - Help with Personal Investments
Topic: vanguard adviser recommended me 3 funds
Replies: 22
Views: 2852

Re: vanguard adviser recommended me 3 funds

I will do new posting in detail sometime later

I appreciate your helping hand

best wishes

fs
by looking
Thu Jul 12, 2012 8:03 am
Forum: Investing - Help with Personal Investments
Topic: vanguard adviser recommended me 3 funds
Replies: 22
Views: 2852

Re: vanguard adviser recommended me 3 funds

I just spoke one the Vanguard's online senior financial adviser he recommend me the following 3 funds for my long term investment aftere i explian my situation to him very extensively You discussed "extensively" details with Vanguard and I posted my response to your original post (the all...
by looking
Wed Jul 11, 2012 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard adviser recommended me 3 funds
Replies: 22
Views: 2852

Re: vanguard adviser recommended me 3 funds

Other recent tomser posts: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=99188 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=99105 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=99094 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=99085 http://www.bogleheads.or...
by looking
Wed Jul 11, 2012 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard adviser recommended me 3 funds
Replies: 22
Views: 2852

Re: vanguard adviser recommended me 3 funds

I just spoke one the Vanguard's online senior financial adviser he recommend me the following 3 funds for my long term investment aftere i explian my situation to him very extensively You discussed "extensively" details with Vanguard and I posted my response to your original post (the all...
by looking
Wed Jul 11, 2012 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard adviser recommended me 3 funds
Replies: 22
Views: 2852

Re: vanguard adviser recommended me 3 funds

I just spoke one the Vanguard's online senior financial adviser he recommend me the following 3 funds for my long term investment aftere i explian my situation to him very extensively... -- life strategies Conservative growth 1/3 % - life strategies moderate growth 1/3 % - wellseley income 1/3 % FS...
by looking
Wed Jul 11, 2012 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard adviser recommended me 3 funds
Replies: 22
Views: 2852

Re: vanguard adviser recommended me 3 funds

Mixing balanced funds isnt that big of a deal. It may make rebalancing a little harder but with basic math skills you shouldnt have much of a problem. It won't "hurt" your bottom line, might make things harder though in the end. Actually, these funds might automatically rebalance saving y...
by looking
Wed Jul 11, 2012 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard adviser recommended me 3 funds
Replies: 22
Views: 2852

Re: vanguard adviser recommended me 3 funds

I just spoke one the Vanguard's online senior financial adviser he recommend me the following 3 funds for my long term investment aftere i explian my situation to him very extensively... -- life strategies Conservative growth 1/3 % - life strategies moderate growth 1/3 % - wellseley income 1/3 % FS...