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Re: Got earthquake insurance?

We live in Northern California and have it on our home as well rental property we own.
by RYD
Sat Dec 06, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got earthquake insurance?
Replies: 35
Views: 2062

Re: Shoes for the Garden

THANKS to all for the responses. Seems my reuse of old sneakers is quite popular but as note I need something better due to mud and slipping. The Walmart boots like like the item and at a very good price. I just cannot see myself in clogs :happy As to comments on not to walk on mud as it compacts I ...
by RYD
Wed Nov 05, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for the Garden
Replies: 23
Views: 1637

Shoes for the Garden

Can anyone suggest good shoes to use in the garden that are able to be easily cleaned of mud and give good traction when working in the muddy parts of the yard. For years I have used my old shoes for garden shoes but of late mud and my concerns about of slipping and sliding have made me look into sh...
by RYD
Sun Nov 02, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Shoes for the Garden
Replies: 23
Views: 1637

SS Benefits

It appears that I will be laid off in the next 30-60 days. This is not final but all indications are that it will happen. I am 63 soon to be 64. My plan is to enter semi-retirement meaning I would work only part time. In my industry I feel confident I can secure a good part time role. My question is...
by RYD
Thu Aug 28, 2014 7:39 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefits
Replies: 6
Views: 894

Re: Golfer's elbow treatment

I am a golfer but had what is called Tennis Elbow, my doctor told me to go on line and buy [Suggested medical equipment and advice removed by admin LadyGeek]

As I am not a doctor you should see one to insure Tennis or Golf elbow is what you have.

John
by RYD
Sat Apr 19, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Golfer's elbow treatment
Replies: 7
Views: 603

Animal Medicine Cost

We have an older cat who is insulin dependent diabetic. This is quite common in cats I am told about 1 in 400 develop this in later life. Quite easy to manage BUT the cost of Insulin has gone up over 70% in the past few months. Given that we do not have medical coverage for the cat we pay the full r...
by RYD
Fri Jan 03, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Animal Medicine Cost
Replies: 5
Views: 546

Re: Investing in Bonds

Abuss 386 My question is more around having Unguarded seed me a check each month or quarter for what the SEC yield was. I looked at the V site and I have an option to have endives ad interest reinvested so I guess I would chose to have Interest sent to me. I just want to insure that it is interest o...
by RYD
Fri Nov 08, 2013 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds
Replies: 39
Views: 2092

Re: Investing in Bonds

Magellan

Thanks for the clarification.

Curious if I am planning on living off the interest I would need to have the SEC yield sent to me monthly or quarterly. Does Vanguard do this?

RYD
by RYD
Fri Nov 08, 2013 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds
Replies: 39
Views: 2092

Re: Investing in Bonds

Magellan you wrote "Currently TBM has a distribution yield of 2.64%, but an SEC yield of only 2.15%. That means that about 20-25% of the fund's monthly distribution represents a return of capital rather than interest earnings. Spending that extra part of the distribution (over the SEC yield) is...
by RYD
Fri Nov 08, 2013 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds
Replies: 39
Views: 2092

Re: Market Linked CD

Thanks to all for their input and comments.

I have decided to pass on this opportunity I suspect there is some upside but not sure I want the risk for this part of my portfolio.

Thanks to all again

John
by RYD
Thu Oct 03, 2013 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Market Linked CD
Replies: 6
Views: 403

Market Linked CD

We were rolling over a CD at US Bank when they offered my wife the option to go with a Market Linked CD. It is FDIC insured, pays 5% versus the .5 the CD does and is inked to to a basket of currencies. The rate is attractive BUT I have a basic rule that I do not invest in things I do not understand....
by RYD
Thu Oct 03, 2013 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Market Linked CD
Replies: 6
Views: 403

Organ Donor

I am not sure this is common but I found it quite shocking. A friend of our son’s died quite unexpectedly. The family agreed to donate his organs. A few months later they received a 25K bill from the hospital for the removal of the organs. This sound quite unbelievable but it actually occurred. The ...
by RYD
Fri Sep 13, 2013 8:17 am
 
Forum: Personal Consumer Issues
Topic: Organ Donor
Replies: 6
Views: 940

Easy 50 50 AA

I am looking at moving my AA to a 50 50 mix. One of my objectives is to do this in a way that is easy for my wife to manage if anything happened to me. I do not want to leave her with rebalancing. I seem to remember reading about a mix of 2 Life Strategy funds that achieved this goal. I have not bee...
by RYD
Fri Jun 28, 2013 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Easy 50 50 AA
Replies: 1
Views: 420

Re: Holding onto bonds. You agree?

Thanks OGD I used the 50% just so the math is simple. Not as an true reality. Net is a person who plans on using TBM as part of their income would be fine with rates rising and in fact over time see income increase but have to accept that the NAV of the fund will have shrunk. Risk is if you need to ...
by RYD
Tue Jun 25, 2013 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Holding onto bonds. You agree?
Replies: 31
Views: 3561

Re: Holding on bonds. You agree?

One area this decline in NAV of bond funds has raised for me is its impact on income. As the original post states many use these funds for income as well as a balance against stocks in their AA. If the NAV drops from 1M to 500K does the income derived drop as well? I admit to being a bit confused ar...
by RYD
Tue Jun 25, 2013 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Holding onto bonds. You agree?
Replies: 31
Views: 3561

Re: This Market - what to do?

One area this declined in NAV of bond funds has raised for me is its impact income. As the original post states many depend on these funds for income as well as a balance against stocks in their AA. If the NAV drops from 1M to 500K does the income derived drop as well? I admit to being a bit confuse...
by RYD
Tue Jun 25, 2013 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: This Market - what to do?
Replies: 26
Views: 2479

Executor [of Estate. Anyone have experience?]

We are looking at doing some modifications to our trust and are seriously considering putting a third party as executor of the estate. Many reasons but one is that I have seen far too many family fights and break ups over estates even those with well laid out plans. I am hoping that a third party ex...
by RYD
Sat May 04, 2013 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Executor [of Estate. Anyone have experience?]
Replies: 14
Views: 1279

On Line Banks and Trusts

I have looked into using an On Line banks as they seem to offer rates better CD rates than brick and mortar banks. Neither Barclays or ING will allow me to open the CD up as a trust. Can anyone explain if this applies to all on line banks or just the two larger ones I looked into?

Thanks
by RYD
Tue Feb 12, 2013 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: On Line Banks and Trusts
Replies: 3
Views: 221

Re: Three Fund Approach vs Vanguard Life Strategy Fund

Taylor

Curious why you chose Target rather than Life Strategy?

Thanks

John
by RYD
Sat Dec 29, 2012 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Three Fund Approach vs Vanguard Life Strategy Fund
Replies: 9
Views: 1484

Re: How to do 50:50 split with LifeStrategy Funds

Lady Geek Thanks for the clarification. KyleAAA I think one of my motivations is to have some exposure to TIPS which are not in the LS offering. You can use a Target fund but that puts you on the glide path which over time alters the AA from your original choice. Googling AA I ran across a Taylor po...
by RYD
Sat Dec 29, 2012 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: How to do 50:50 split with LifeStrategy Funds
Replies: 21
Views: 2323

Re: How to do 50:50 split with LifeStrategy Funds

I am very seriously looking at doing this as well.

Just to be sure Lady Geek are you are referring to 15% of the bond allocation invested in TIPS versus 15% of the entire amount?
by RYD
Fri Dec 28, 2012 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to do 50:50 split with LifeStrategy Funds
Replies: 21
Views: 2323

Re: How to do 50:50 split with LifeStrategy Funds

Gort

Thank you for posting this question I have been looking at a way to do this.

My objective was to simplify my investments and not require yearly re balancing. The LS 60/40 with 10% TIPS is spot on

Thanks to all and Happy Holidays

RYD
by RYD
Fri Dec 21, 2012 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: How to do 50:50 split with LifeStrategy Funds
Replies: 21
Views: 2323

Re: ETF v Mutual Funds

Nisiprius

Thanks for getting me turned around I had it very wrong

Curious any views on Vanguard Hi Yield grade funds. Yields are good.

Tempted by rates but bonds are for safety to a large extent.
RYD
by RYD
Tue Oct 23, 2012 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF v Mutual Funds
Replies: 6
Views: 707

Re: ETF v Mutual Funds

Thanks for the input.

One question is isn't Vanguard Intermediate-Term Investment Grade Fund, VFICX, a type of junk bond fund? I thought invetmen grade was a nice name for junk or lower quality. Good yields but safety concerns.
by RYD
Tue Oct 23, 2012 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF v Mutual Funds
Replies: 6
Views: 707

ETF v Mutual Funds

I am looking at using Vanguard Intermediate-Term Corporate Bond ETF to balance the Government bond % in the Total Bond Market Index Fund. To be candid I have never used ETF. Other than being able to be traded at any time versus end of the day sale with index fund are there any other issues I should ...
by RYD
Tue Oct 23, 2012 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF v Mutual Funds
Replies: 6
Views: 707

Re: Ceiling Insulation

Thanks Benginner


RYD
by RYD
Wed Sep 19, 2012 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ceiling Insulation
Replies: 24
Views: 1208

Re: Ceiling Insulation

What does ceiling penetration mean?
by RYD
Wed Sep 19, 2012 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ceiling Insulation
Replies: 24
Views: 1208

Re: Ceiling Insulation

WOW lots to think about. My home is a single story ranch. No attic just a space between the ceiling and the arch of the roof. We are in the San Francisco Bay east area. Winters we do get frost, and summers can be hot. The issues of moisture barrier and ceiling lights are good I had not thought of ei...
by RYD
Wed Sep 19, 2012 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ceiling Insulation
Replies: 24
Views: 1208

Re: Ceiling Insulation

The roof is composite shake. Drywall in the house
by RYD
Tue Sep 18, 2012 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Ceiling Insulation
Replies: 24
Views: 1208

Ceiling Insulation

I am looking at insulating my ceiling. My home is 40+ years old and I suspect the insulation is not all that great. Question is it really worth it to insulate the ceiling? If so what is the best type to use? Seems there are a lot more options that the Owning Corning pink stuff I am familiar with. Th...
by RYD
Tue Sep 18, 2012 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Ceiling Insulation
Replies: 24
Views: 1208

Re: Welcome new Advisory Board members

Thanks to all of you for your work

Great Job

John
by RYD
Mon Sep 17, 2012 8:15 am
 
Forum: Forum Issues and Administration
Topic: Welcome new Advisory Board members
Replies: 16
Views: 2285

Re: Congrats Mike Piper of "Oblivious Investor"!

Congratulations

Extremely well deserved a great site!!!

Keep up the great work

John
by RYD
Mon Sep 10, 2012 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Congrats Mike Piper of "Oblivious Investor"!
Replies: 35
Views: 3782

Re: Cost-Efficient Options for Short-Term Rentals [1-3 Month

Suggest you look at Vacation Rental by Owner web site

I know people who rent a condo in Palm Springs each winter for a month and get it through that site. I have used it for renting homes for weekends and for a week at a time. Overall good site
by RYD
Tue Sep 04, 2012 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost-Efficient Options for Short-Term Rentals [1-3 Months]?
Replies: 10
Views: 936

Re: Cell phone plan recommendations

Anyone us Virgin Mobile they have some low cost plans with some limits but were more than enough for my usage. They use VZ network. You do need to buy your own phone

RYD
by RYD
Mon Jul 30, 2012 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone plan recommendations
Replies: 29
Views: 3851

Re: Why not a Target Fund?

Taylor Well stated and insightful as usual. I read today that CALPERS the Cal retirement fund achieved a 1% return last year. They have an extremely complex investment fund usisng hedge funds, LBO, real estate, VC and more than I could ever imagine. Maybe they should look at thte 3 fund portfolio or...
by RYD
Sun Jul 29, 2012 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not a Target Fund?
Replies: 24
Views: 3945

Re: Why not a Target Fund?

James SFO

Did you move for tax purposes or you just enjoy managing your account or another reason?
by RYD
Sat Jul 28, 2012 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not a Target Fund?
Replies: 24
Views: 3945

Re: Why not a Target Fund?

First thanks to all for their comments and insights. Seattle CPA your post captured the reason for my planned move to a Target account Arctic I do not think the issue is Target account rather it is picking one with the correct AA. Ignore the years and position pick by AA that you are comfortable wit...
by RYD
Sat Jul 28, 2012 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not a Target Fund?
Replies: 24
Views: 3945

Why not a Target Fund?

As I get closer to retirement I am looking at moving the vast majority of my investments in a Target account that matches most closely my AA going forward. I have for many years been invested in Vanguard Index funds and have rebalanced and such but I am asking myself why should I continue to do so i...
by RYD
Thu Jul 26, 2012 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not a Target Fund?
Replies: 24
Views: 3945

Re: Using VOIP (internet phone)? Which One?

VOIP or Voice over IP is a bit of a confusing term. Comcast and others offer VOIP at prices close to AT&T but a bit lower. The extremely low prices like Magic Jack are what are called unmanaged services. Difference is Comcast and others can guarantee bandwidth for the call thereby insuring a cer...
by RYD
Wed Jul 25, 2012 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Using VOIP (internet phone)? Which One?
Replies: 63
Views: 5506

Re: Chase Bank and Trusts

Thanks for the noe on the article. I guess I hit the target area. After telling them this was none of their business the woman told me she had to tell her manager of my response. I said that was fine . I have not heard back. If banks think selling high fee annuities and their overpriced poor perform...
by RYD
Wed Jun 20, 2012 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Bank and Trusts
Replies: 14
Views: 1274

Chase Bank and Trusts

We have been receiving calls from Chase Bank where we have a couple of CD held under our Trust. They have asked us to provide the value of the entire trust and what is our yearly income. These struck me as rather odd questions. My response was "in all due respect this is none of your business&q...
by RYD
Wed Jun 20, 2012 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Bank and Trusts
Replies: 14
Views: 1274

Re: Best non-ipod mp3 device

Add another vote for SanDisk. I have an older Sansa and it has been great. They may not get the publicity that Apple has been they perform great and are far less expensive.
by RYD
Sun Jan 01, 2012 10:26 am
 
Forum: Personal Consumer Issues
Topic: Best non-ipod mp3 device
Replies: 17
Views: 1208

Re: Homeowners: buying home. sewer line is old. help

We have replaced a few of these on rentals. The home owner is responsible for the line from the home to the sewer. It is not overly expensive if you use a company that does not retrench a new pipe but rather breaks up the old pipe and then runs the new one in the same trench. This is a new method an...
by RYD
Mon Dec 05, 2011 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners: buying home. sewer line is old. help
Replies: 24
Views: 1829

Re: Most stable type of rental property?

Madbrain We manage our SFH's and condo ourselves. To be fair we hire almost all repair work out and my wife is at home. We did use a PM for the multi unit building. Our experience was not good but do not judge by a sample of 1. We have friends who own apartments both in the Bay Area and Humboldt and...
by RYD
Tue Nov 29, 2011 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Most stable type of rental property?
Replies: 37
Views: 2656

Re: Most stable type of rental property?

We have owned multi family units, homes SFH, and condos for rental. My experience has been that single family homes are the most stable and easiest to rent. Multi family is great in that as noted you have multiple income streams to cover the mortgage and other costs. A SFH when it is empty you loose...
by RYD
Mon Nov 28, 2011 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Most stable type of rental property?
Replies: 37
Views: 2656

Re: Insulation

Thanks to all for the input. I am tending to the roll style.

Cheapest and overall seems the have fewest issues. Given that I an DIY challenged I will n all likelihood hire someone to install.

Thanks to all again for the great info

RYD
by RYD
Sun Nov 27, 2011 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insulation
Replies: 23
Views: 1466

Insulation

I am looking at adding ceiling insulation to my home. At present it is poorly insulated and I have looked into the various options and to be frank I am aconfused. Blow in versus rolled versus who knows what. I want to get a good insulation that works well and is not too expensive. The roll in folks ...
by RYD
Sun Nov 27, 2011 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insulation
Replies: 23
Views: 1466

Re: Landlord on Craigslist

Add my vote for Craigslist. I have used it many times over the years with good results. Take a look at the local paper and you will see very few rentals, that is not where people go to find rentals today in my view they head to Craigslist.

Selecting the correct person is up to the landlord.
by RYD
Thu Oct 20, 2011 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord on Craigslist
Replies: 17
Views: 1812

I have had an office in this type of environment a few times in my career. Overall it worked well. You need to understand all the costs. One I was in would not allow fax machines and charged you for all faxes that you sent or received. Another also required you lease the furniture from them. I did n...
by RYD
Wed Sep 14, 2011 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone ever had an office in a business center?
Replies: 12
Views: 1445

I have never owned commercial property but I have owned residential properties for many years. You need to consider maintenance, insurance, tax and vacancy for a start. What type of lease do they have now NNN or what. Can it be increased ? Who manges the property? Are they a good tenant? 15 years lo...
by RYD
Fri Sep 02, 2011 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Commercial Real Estate?
Replies: 4
Views: 641
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