Search found 173 matches

Go to advanced search

by CWRadio
Fri May 15, 2015 6:41 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 8379

Re: Best Asset Allocation if you've "won the game"

I really like the vanguard target retirement income fund. The nice thing about having it all in one fund is that you don't see the individual pieces moving which is easier on your psychology. If you want go the extra mile something like 90% vanguard retirement income and 10% gold is a pretty bullet...
by CWRadio
Thu May 14, 2015 8:11 am
Forum: Investing - Help with Personal Investments
Topic: How much in cash?
Replies: 35
Views: 2899

Re: How much in cash?

One thing I do wish to point out, as it seems to me to be another manifestation of a national trend toward risk-seeking. Up until about 15 years ago, it would have been conventional wisdom that any retirement or investment portfolio ought to include three major assets: stocks, bonds, and "shor...
by CWRadio
Thu May 14, 2015 7:12 am
Forum: Investing - Theory, News & General
Topic: Your Safety Net
Replies: 31
Views: 3603

Your Safety Net

In Jonathan Celements new book "Money Guide 2015" on page 21 (section 29) he talks about your safety net in retirement. Jonathan states, "to avoid the nightmare scenario, which many retires faced in 2008 and 2009, try dividing your portfolio in two parts." He suggests "consi...
by CWRadio
Fri May 08, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: Medicare Supplement Plan
Replies: 3
Views: 406

Medicare Supplement Plan

With all things being equal is better to buy a Medicare Supplement Plan with Issue age rated or Attained age rated pricing?
Are there other things to look at besides type of pricing? Example credit rating, etc.
Thanks
by CWRadio
Tue May 05, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: CD ladder at Ally - multiple durations or just one
Replies: 20
Views: 2529

Re: CD ladder at Ally - multiple durations or just one

If the CDs are in a IRA CD account can you remove RMD without any penalty? Thanks
by CWRadio
Tue May 05, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Carpet cleaning
Replies: 3
Views: 433

Carpet cleaning

Why does the same areas of carpet always get dirty a few month after professorial cleaning and Scotchgarding?
The carpet is 8 years old Berber, we were slippers in the house, no pets and no children, we are retired. Thanks..
by CWRadio
Sun May 03, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Wellseley VWINX - for a conservative investor mid 30s.
Replies: 16
Views: 1875

Re: Wellseley VWINX - for a conservative investor mid 30s.

Do you think the average duration of 6.2 years could be a problem with this fund if interest rate start to move up? Thanks
by CWRadio
Sat May 02, 2015 8:00 pm
Forum: Investing - Theory, News & General
Topic: VTIP fluctuation
Replies: 2
Views: 381

Re: VTIP fluctuation

Thanks #Cruncher .
I think I finally understand how TIP ETF work.
by CWRadio
Sat May 02, 2015 5:52 am
Forum: Investing - Theory, News & General
Topic: VTIP fluctuation
Replies: 2
Views: 381

VTIP fluctuation

What causes the NAV of VTIP (Vanguard Short-Term Inflation-Protected Securities ETF) to fluctuate?
Example, if inflation goes up 1% does the NAV of VTIP go down or up? If interest rate go up will the NAV go down or up? Thanks
by CWRadio
Sat May 02, 2015 5:46 am
Forum: Investing - Theory, News & General
Topic: Medicaid compliant SPIA
Replies: 2
Views: 480

Re: Medicaid compliant SPIA

Thanks skepticalobserver for your reply.
Nolo Law's had the answer for me. Paul
by CWRadio
Fri Apr 24, 2015 9:17 am
Forum: Investing - Theory, News & General
Topic: Medicaid compliant SPIA
Replies: 2
Views: 480

Medicaid compliant SPIA

What is a Medicaid compliant SPIA?
What are the differences between a Medicaid compliant SPIA and a non Medicaid compliant SPIA? Thanks
by CWRadio
Thu Apr 23, 2015 8:42 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 380
Views: 38041

Re: Schwab Intelligent Portfolios [now live]

tj wrote:Its interesting that only 20% of the accounts are new clients. That means they are heavily marketing it to their existing clients.

What percent are in retirement and taking money out of the portfolio?
by CWRadio
Sun Apr 19, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2862

Re: Overinflating Tires

Any advice on a good tire pressure gauge?
by CWRadio
Sun Apr 19, 2015 9:28 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 380
Views: 38041

Re: Schwab Intelligent Portfolios [now live]

How does the performance compare of US large" vs. US large - Fundamental?
by CWRadio
Sat Apr 18, 2015 10:12 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 380
Views: 38041

Re: Schwab Intelligent Portfolios [now live]

Been following the posts about SIP. I have a question I posted but unable to get a good answer. I am retired ( age 70) and plan on opening a conservative SIP account. I would like to set up the SIP account to pay me a monthly pay check of $2500. How does Schwab do this? Do they re balance each month...
by CWRadio
Mon Apr 13, 2015 7:31 am
Forum: Investing - Theory, News & General
Topic: My expanded interview w/ Barry Ritholtz of Bloomberg Radio
Replies: 10
Views: 1847

Re: My expanded interview w/ Barry Ritholtz of Bloomberg Rad

Rick enjoyed your podcast on Bloomberg Radio.
Can you share your thinking about your up coming robo adviser products as it pertains to someone that is in retirement and taking money out of a robo portfolio. Thanks
by CWRadio
Thu Mar 19, 2015 10:36 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 380
Views: 38041

Re: Schwab Intelligent Portfolios [now live]

I am retired and want income for expenses from my SIP.
Will the SIP generate a monthly paycheck and put the money into my checking account? Thanks
by CWRadio
Mon Feb 23, 2015 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: What are the Admiral shares? [Portfolio help]
Replies: 50
Views: 3754

Re: What are the Admiral shares?

Can you please explain why the NAV of Wellesley income fund is different for Admiral shares ($62.59) as compared to Investor shares ($25.83)? Thanks Paul
by CWRadio
Sun Feb 22, 2015 1:30 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't bond fund holders celebrate if rates go up?
Replies: 55
Views: 5400

Re: Shouldn't bond fund holders celebrate if rates go up?

Thanks ogd and music_man.
I get it now. Paul
by CWRadio
Sun Feb 22, 2015 8:04 am
Forum: Investing - Theory, News & General
Topic: Shouldn't bond fund holders celebrate if rates go up?
Replies: 55
Views: 5400

Re: Shouldn't bond fund holders celebrate if rates go up?

I need addition clarification. If I purchase a bond fund with a duration of 5 year (current interest rate of 2%) and the NAV of the bond fund is $10. If interest rates go up 2% and I never reinvest the interest from the bond fund ( I take it out) will the NAV ever recover to my purchase price of $10...
by CWRadio
Tue Feb 17, 2015 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance?
Replies: 38
Views: 3514

Re: Dental Insurance?

Can a dentist that has a contract with MetLife or Delta legally offer a lower price to a cash customer? Thanks
by CWRadio
Thu Jan 22, 2015 7:45 pm
Forum: Investing - Theory, News & General
Topic: International Bond funds
Replies: 1
Views: 383

International Bond funds

How will the recent announcement of the European Central Bank launching a landmark bond-buying program effect the International Bond market mutual funds? Does this cause the fund to increase or decrease in NAV? Thanks Paul
by CWRadio
Tue Jan 20, 2015 12:20 pm
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 67
Views: 4746

Re: “How Does Aging Affect Financial Decision Making?”

Another good book on the subject is:
What to Do When I Get Stupid by Lewis Mandell. http://lewismandell.com/
by CWRadio
Sat Jan 17, 2015 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington: How do I figure out the after tax return?
Replies: 13
Views: 755

Re: Wellington: How do I figure out the after tax return?

How do you find out the return after taxes if you are in a lower tax bracket (15%)? Thanks
by CWRadio
Thu Jan 15, 2015 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 5326

Re: Wellington Fund as primary retirement investment

You might enjoy what Paul Merriman talks about in this podcast:
My favorite Vanguard balanced fund. Paul compares 5 Vanguard balanced funds.
http://paulmerriman.com/favorite-vanguard-balanced-fund/
by CWRadio
Thu Jan 15, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: SPIA survivor payout
Replies: 4
Views: 503

SPIA survivor payout

What are the pros and cons of purchasing a joint SPIA 100% payout with a 70% payout to the survivor as compare to 70% payout if either of the joint annuitants die. Example for case one: If my wife and I get $1000 a mouth and I die my wife gets $700 a mouth. If my wife dies I still get $1000 a mouth....
by CWRadio
Sun Jan 04, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman takes John Bogles $5.00 Bet!
Replies: 61
Views: 10042

Re: Paul Merriman takes John Bogles $5.00 Bet!

Paul,I have listened to every podcast you have produced and bought and read almost every book you have written. I use a similar but simpler approach to the ultimate buy and hold strategy. I always gain something useful. Your delivery is concise and at a rate that can be easily absorbed by anyone. I...
by CWRadio
Thu Dec 25, 2014 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on annuities?
Replies: 63
Views: 5068

Re: Feedback on annuities?

I am also ready to buy a SPIA. I am 70 and my wife is 67. A SPIA for joint life only for $1200 a month cost $242,424. (all quotes are from http://www.immediateannuities.com ) My question: A SPIA for joint life with 10 year certain for $1200 a month cost $242,914. Just addition $490 A SPIA for joint ...
by CWRadio
Tue Dec 09, 2014 8:24 am
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 9931

Re: How to Think About Risk in Retirement - Bernstein

Hi All: There is no one fund that will execute a reverse glide path strategy, but you can do it with 2: a bond index fund and a stock index fund. The former is for you, and should be spent down. Don't touch the stock fund, if you can avoid it; it's for your heirs and charities, tho it's OK to sneak...
by CWRadio
Mon Dec 08, 2014 9:07 am
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 9931

Re: How to Think About Risk in Retirement - Bernstein

Is there a fund or a set of funds that implement Dr Bernstein strategy for a person that is in retirement? Thanks
by CWRadio
Tue Dec 02, 2014 10:23 am
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 6597

Re: Ken Fisher - Why I hate annuities

nisiprius are what age did you purchase your two SPIAs? Thanks Paul
by CWRadio
Thu Oct 30, 2014 7:47 am
Forum: Investing - Theory, News & General
Topic: My favorite Vanguard balanced fund
Replies: 20
Views: 4380

My favorite Vanguard balanced fund

Any comments on Paul Merrimen latest podcast http://paulmerriman.com/podcasts/ on My favorite Vanguard balanced fund?
by CWRadio
Sat Oct 18, 2014 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 11326

Re: Medigap Plan G vs Plan F?

Another place to check rates:
CSG Actuarial's

https://csgactuarial.com/demo/

Paul
by CWRadio
Fri Oct 17, 2014 8:57 pm
Forum: Forum Issues and Administration
Topic: Email on specific words
Replies: 3
Views: 1201

Re: Email on specific words

hand wrote:Not sure if this site provides the requested functionality, but you could accomplish something similar by setting up a Google Alert for "LifeStrategy" site:bogleheads.org.


Thanks. I will set it up in Google Alerts
by CWRadio
Fri Oct 17, 2014 7:57 am
Forum: Forum Issues and Administration
Topic: Email on specific words
Replies: 3
Views: 1201

Email on specific words

Is there a way to get an email, if someone post a question that has a specific word in it?
Example: If someone post a question about Vanguards LifeStratery Funds I would like to get a email about the post. If I am interested in the post I could them subscribe to it.
Thanks Paul
by CWRadio
Wed Oct 15, 2014 8:46 am
Forum: Investing - Help with Personal Investments
Topic: How TIPS work
Replies: 10
Views: 1128

Re: How TIPS work

Thanks Bubbagump and PJW. I think I now get it. Paul
by CWRadio
Tue Oct 14, 2014 11:50 am
Forum: Investing - Help with Personal Investments
Topic: How TIPS work
Replies: 10
Views: 1128

Re: How TIPS work

Can you please explain what causes the NAV of Vanguard Short-Term Inflation-Protected Securities ETF (VTIP) and DFA Inflation-Protected Securities (DIPSX) to change each day. I have asked this question a few times but still have a problem understanding. Thanks Paul
by CWRadio
Wed Oct 08, 2014 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Eye Exam--Insurance or Cash
Replies: 4
Views: 962

Re: Eye Exam--Insurance or Cash

Try checking the AARP or AAA web site for eye exam discounts.
by CWRadio
Sun Sep 28, 2014 3:55 pm
Forum: Investing - Theory, News & General
Topic: TIPS & Rick Ferri
Replies: 28
Views: 5427

Re: TIPS & Rick Ferri

What causes the NAV of a TIP fund to increase? I am still confused on how TIP funds work. Paul
by CWRadio
Mon Sep 22, 2014 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Moshe Milevsky's Life Annuities Monograph
Replies: 21
Views: 2786

Re: Moshe Milevsky's Life Annuities Monograph

THX. Read it last night and this afternoon. Confirmed my decision to buy deferred Guaranteed lifetime Income Annuities. Good for me, bad for insurance companies that didn't do their P's & Q's. :annoyed So what companies are offering a good deal on a Deferred Guaranteed lifetime Income Annuities...
by CWRadio
Sun Sep 21, 2014 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 36
Views: 2996

Re: Total bond index or 5 yr CD?

Like retiredjg I think who said earlier: I am lazy so I will buy the bond fund. I simply do not want to have to go every x # of years depending on how long the CDs are (5 in this one case) and find new CDs. Plus if you have more than whatever the government decides is the FDIC limit whenever the ti...
by CWRadio
Sun Sep 21, 2014 8:00 am
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 75
Views: 3945

Re: Are SPIA's fairly priced? - A quick and dirty analysis

As I said upthread, to make an informed decision about WHEN to purchase an annuity, one needs to know the cost of the product vs the value of mortality credits. As long as the overhead cost of an annuity is greater than the benefit received from mortality credits in a given year, it's better to wai...
by CWRadio
Sat Sep 20, 2014 4:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 14
Views: 2182

Re: Detroit Area Bogleheads - Master Thread

Enjoyed my first meeting of the Detroit Bogleheads. I had a question I did not ask to the people that are currently retired. Does anyone use Blue Cross Legacy Plan C for their Medicare gap / supplement insurance? If so, any news on what going to happen to the plan when the price freeze ends on Aug 2...
by CWRadio
Thu Sep 18, 2014 12:34 pm
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 95
Views: 7791

Re: The Annuity Puzzlement

I suspect you're right in suggesting that this kind of diy annuity is not likely to offer better returns, which is to be expected for the notably greater safety. But it could be a meaningful trade that some investors are willing to accept. And there are other trade offs favoring diy, like the abili...
by CWRadio
Tue Sep 16, 2014 9:39 am
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 2591

Re: Tour travelling by bus

Has anyone taken a Tauck tour to New Mexico? Thanks
by CWRadio
Sat Sep 13, 2014 2:30 pm
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 95
Views: 7791

Re: The Annuity Puzzlement

I don't understand what changes so drastically in someone's risk profile that one day Just a wild guess: They no longer have a salary and need a reliable stream of income to live on. L. It missing the automatic pay check which a SPIA gives you and it makes my wife my comfortable if anything happens...
by CWRadio
Sat Sep 13, 2014 9:24 am
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 95
Views: 7791

Re: The Annuity Puzzlement

At what age should you buy a SPIA with the low interest rates we now have? Thanks
by CWRadio
Thu Sep 11, 2014 6:27 am
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 240
Views: 172113

Re: New 2% cash back Mastercard from Citi

Pizzasteve510 wrote:Just got mine today. Nice look.

One gotcha to avoid - 3% foreign transaction fee. So not the best for world travel.

What credit card offers 2% back on all purchases and no foreign transaction fee besides the Fidelity American Express? Thanks
by CWRadio
Sun Sep 07, 2014 5:49 pm
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5752

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Note that Wellington and Moderate Growth have similar ERs (0.18% vs 0.16%) so it is unfair to say that Wellington's ER is high. Yep, you basically get the manager for free or maybe 9 or so basis points, if you compare to balanced index admiral. Some see having a fund manager as a negative. I just s...

Go to advanced search