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by hoops777
Mon May 25, 2015 8:28 pm
Forum: Investing - Theory, News & General
Topic: another look at dividend paying stocks and valuations
Replies: 61
Views: 3887

Re: another look at dividend paying stocks and valuations

Just an expression did not mean it as a put down.As someone who has taken a few sips of the kool aid,I have to look at the cold hard mathmatical evidence and understand the facts.With that being said,I honestly believe there is an emotional response with many dividend focused investors.I think it is...
by hoops777
Mon May 25, 2015 5:31 pm
Forum: Investing - Theory, News & General
Topic: another look at dividend paying stocks and valuations
Replies: 61
Views: 3887

Re: another look at dividend paying stocks and valuations

Once one drinks the dividend kool aid,it is almost impossible to shake the belief.Regardless of all the points being made,if one wants to invest most or all of their stock allocation to dividend payers,as long as they stick to the quality companies,the difference between that and just buying the mar...
by hoops777
Mon May 25, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Road trip Pittsburgh to Milwaukee
Replies: 13
Views: 1209

Re: Road trip Pittsburgh to Milwaukee

Thanks....I have an extra night and I do not think I want to stay 2 days in Milwaukee and spent 5 days in Chicago a few years ago.That is the quandry.
by hoops777
Sat May 23, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: Road trip Pittsburgh to Milwaukee
Replies: 13
Views: 1209

Re: Road trip Pittsburgh to Milwaukee

Well I guess that answers that question!Thanks.....Is there nothing worth seeing between Chicago and Milwaukee?
by hoops777
Fri May 22, 2015 10:51 pm
Forum: Personal Consumer Issues
Topic: Road trip Pittsburgh to Milwaukee
Replies: 13
Views: 1209

Re: Road trip Pittsburgh to Milwaukee

I think we are going to bypass chicago...been there.....any suggestions maybe going thru Naperville up to Milwaukee?
by hoops777
Fri May 15, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 1158

South Bend to Chicago to Milwaukee

Ok.You all have been very helpful with our trip.The last part I am looking for any suggestions between South Bend and Chicago and Chicago and Milwaukee.We are good on Chicago itself.Just any unique towns or restaurants or scenic wonders.Thanks.
by hoops777
Thu May 14, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9168

Re: I Hate Vacations

I hate the logistics of travelling.....the flying and waiting in airports,etc.The fun stuff like trying to find a bathroom when you are out and about in Europe.All I know is wherever we go I am always happy to be home back in the Bay Area.Livesoft....I have lived here my entire life and never been t...
by hoops777
Wed May 13, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: Driving from Detroit to South Bend
Replies: 19
Views: 1359

Re: Driving from Detroit to South Bend

For some reason I have stopped getting notified in my email about responses on the boglehead forum so I thought there were none....I have question about these black flies I have read about if you go by the lakes?
by hoops777
Wed May 13, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: Driving from Detroit to South Bend
Replies: 19
Views: 1359

Re: Driving from Detroit to South Bend

Thanks for the responses.
by hoops777
Mon May 11, 2015 7:59 pm
Forum: Investing - Theory, News & General
Topic: Skeptical of consistent dividend growth
Replies: 18
Views: 1629

Re: Skeptical of consistent dividend growth

Here is the basic premise many believe to be true and there are a lot of newsletters that sell this.You are 50 years old and buy say 20 div growth stocks at 5000 each for a total of 100,000.Say the avg dividend is 3 pct for a yield of 3000 per year.You reinvest the dividends for lets say 10 years.Th...
by hoops777
Sat May 09, 2015 8:02 pm
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5407

Re: Stop contributions to retirement accts due to future RMDs

I did not see the clarification but based on the revised numbers I have no reason to change my comment.None whatsoever.To say someone with that level of income is being killed by taxes on their RMD's is like saying oh these poor unfortunate people..... I understand it is hyperbole but when you look ...
by hoops777
Sat May 09, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Driving from Detroit to South Bend
Replies: 19
Views: 1359

Driving from Detroit to South Bend

I posted a while back about a trip we are taking from Pittsburgh to Milwaukee.We are going to stay one night in Detroit and then head towards Chicago,stopping for sure in South Bend to see ND.We now have one extra night so I am trying to figure out what to see on this part and where we should stay o...
by hoops777
Sat May 09, 2015 5:53 pm
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5407

Re: Stop contributions to retirement accts due to future RMDs

Let me get this straight.....about 1.5 mill in retir acct,3.5 mill in taxable and they have combined pensions of about 270,000 a year.....and the taxes from the rmd's are killing them!!!!WOW...SERIOUSLY??....Maybe you should rephrase the part about these people being killed by their taxes that they ...
by hoops777
Mon May 04, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Sell my condo or rent it out?
Replies: 25
Views: 2149

Re: Sell my condo or rent it out?

Sell it.If you want to be a real estate investor/landlord then buy a real rental property.The condo is not.
by hoops777
Mon May 04, 2015 9:09 pm
Forum: Investing - Theory, News & General
Topic: When - and how - to relax about retirement assets?
Replies: 18
Views: 3997

Re: When - and how - to relax about retirement assets?

When all of your reasonable worst case scenarios are covered by safe money that covers your most optimistic lifespans.....figure that out and add 10 pct :D
by hoops777
Sun May 03, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: Do Active Bond Funds Beat Index Bond Funds?
Replies: 27
Views: 2071

Re: Do Active Bond Funds Beat Index Bond Funds?

Simple common sense tells you that a fund with more risk should not be compared to an index fund.If you want a chance to earn a higher return than take the risk of investing in the fund with lower quality bonds.It is really that simple and as stated most investors will not even understand why fund X...
by hoops777
Thu Apr 30, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: Retirees - What would you have done differently?
Replies: 48
Views: 6560

Re: Retirees - What would you have done differently?

This has the chance to be a classic thread.....keep them coming :D :) :happy
by hoops777
Wed Apr 29, 2015 8:47 pm
Forum: Investing - Theory, News & General
Topic: Retirees - What would you have done differently?
Replies: 48
Views: 6560

Re: Retirees - What would you have done differently?

I am 63 and not retired.I would be if I had not listened to all of the noise,subscribed to stock newsletters,watched Cnbc,etc.Stick with the Boglehead philosophy and keep it simple.Your downfall will be if you start thinking you know more than you do.I would also say to take the great vacations and ...
by hoops777
Fri Apr 24, 2015 9:24 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 232
Views: 24000

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

If you believe it why take the risk for so little.
by hoops777
Fri Apr 24, 2015 9:18 pm
Forum: Investing - Theory, News & General
Topic: Muni bond fund vs taxable
Replies: 6
Views: 633

Re: Muni bond fund vs taxable

Thanks OGD as always.That makes it a very easy decision for once :happy
by hoops777
Fri Apr 24, 2015 6:18 pm
Forum: Investing - Theory, News & General
Topic: Muni bond fund vs taxable
Replies: 6
Views: 633

Re: Muni bond fund vs taxable

Thanks for the helpful replies!
by hoops777
Fri Apr 24, 2015 5:28 pm
Forum: Investing - Theory, News & General
Topic: Muni bond fund vs taxable
Replies: 6
Views: 633

Muni bond fund vs taxable

I have a question regarding which bond fund to hold in taxable.Between Calif Intermediate Term Muni and Vanguard Intermediate Bond,not Total Bond,what tax bracket do you need to be in to make the muni a better choice?Down the road a little we may have about 200,000 in one or the other when retired.O...
by hoops777
Wed Apr 22, 2015 3:42 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15463

Re: Bernstein: "If you've won the game, stop playing."

If you have enough money it is very easy to live on a fixed income portfolio for 40 years.Why not?The simple point of winning the game is really about having a lot of money.If someone thinks they have won and need and expect 6,7 pct or more from stocks,they are hoping and are very serious players wh...
by hoops777
Tue Apr 21, 2015 4:24 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15463

Re: Bernstein: "If you've won the game, stop playing."

The only problem is that a retiree can go with a heavy stock allocation and get crushed as well....actually more likely then with bonds unless 99 pct of the experts are wrong.
by hoops777
Sun Apr 19, 2015 9:40 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15463

Re: Bernstein: "If you've won the game, stop playing."

So now bonds are as risky as stocks?That goes against 99 pct of the posts on this forum since it started in 2007.Maybe its true.Maybe everyone on this forum has the experience of a very long bull market in bonds and has only lived through the big drops in stocks as investors.I need to get a bigger m...
by hoops777
Sun Apr 19, 2015 2:08 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15463

Re: Bernstein: "If you've won the game, stop playing."

Never said LTC was a doomsday scenario.Have a policy myself.
by hoops777
Sun Apr 19, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 33
Views: 4584

Re: Safety Deposit Box is Necessary (+1 plug:)

A safe deposit box is a better alternative to any clever hiding place you think a thief will not discover,but it is less convenient.You also have to be careful,as you get older,when you donate your canned goods to a food drive that you do not make someone very ,very happy. :D
by hoops777
Sun Apr 19, 2015 12:15 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15463

Re: Bernstein: "If you've won the game, stop playing."

This topic can become a little bit depressing thinking about all of the negative things to worry about.If you eliminate the doomsday scenarios,it is easy to know if you have won the game with a little common sense.As I stated earlier,you just cannot declare victory if you need stocks.There just is a...
by hoops777
Sat Apr 18, 2015 6:44 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15463

Re: Bernstein: "If you've won the game, stop playing."

Anyone who says they have won the game that needs a positive return from stocks going forward has not won anything.They are still playing and may feel great with a 15 point lead in the fourth quarter,but sometimes unexpected things happen at the end of the game.Just do not proclaim victory with too ...
by hoops777
Fri Apr 17, 2015 10:31 pm
Forum: Investing - Theory, News & General
Topic: John Bogle vs Jim Grant Debate
Replies: 14
Views: 2281

Re: John Bogle vs Jim Grant Debate

I cannot play in the NBA either.....but that does not mean I cannot shoot better than a lot of NBA players.... :D Correction,use to be able to if left unguarded.Once defense is involved we have entered a realm much more difficult than picking a stock,not even close :D I know I could still score on W...
by hoops777
Fri Apr 17, 2015 4:13 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15463

Re: Bernstein: "If you've won the game, stop playing."

I believe there are people out there who THINK they have won the game because they THINK stocks will give give them a nice 8 to 10 pct return going forward.You have not won anything until you have all your worst case scenarios,within reason,covered,and the younger you are when you retire the more at...
by hoops777
Tue Apr 14, 2015 5:09 pm
Forum: Investing - Theory, News & General
Topic: Future income on 100,000 bond fund
Replies: 16
Views: 2676

Re: Future income on 100,000 bond fund

OGD....what makes you think I might gloss over any more theory,I am offended :D I appreciate your thoughtful explanation as always.Kevin I appreciate yours as well and I actually understand it. I believe my best path going forward is to have a good combination of Intermediate bond funds,cd's if I ca...
by hoops777
Tue Apr 14, 2015 10:07 am
Forum: Investing - Theory, News & General
Topic: Future income on 100,000 bond fund
Replies: 16
Views: 2676

Re: Future income on 100,000 bond fund

Yes,thank you Rick for the article,but the author was talking about individual bonds and not funds.I consider a highest quality individual bond to be equivlant to a cd if held to maturity.I am coming to the conclusion that it is a waste of time to worry about a high quality intermediate bond fund if...
by hoops777
Mon Apr 13, 2015 11:25 pm
Forum: Investing - Theory, News & General
Topic: Future income on 100,000 bond fund
Replies: 16
Views: 2676

Re: Future income on 100,000 bond fund

Kevin...so are you saying the cds in combo with a high quality corp bond fund?
by hoops777
Mon Apr 13, 2015 7:05 pm
Forum: Investing - Theory, News & General
Topic: Future income on 100,000 bond fund
Replies: 16
Views: 2676

Re: Future income on 100,000 bond fund

I am trying to determine the wisest choice between cd's and Total Bond or Intermediate Bond and how much to allocate to each.The cd's are a certainty and the bond funds are not.The cd's would also be brokered for simplicity.Right now I am estimating about in pct 37.5 CD 37.5 Funds 25 I Bonds......wi...
by hoops777
Mon Apr 13, 2015 5:53 pm
Forum: Investing - Theory, News & General
Topic: Future income on 100,000 bond fund
Replies: 16
Views: 2676

Re: Future income on 100,000 bond fund

I guess what I posted is pretty accurate
by hoops777
Sun Apr 12, 2015 4:45 pm
Forum: Investing - Theory, News & General
Topic: Future income on 100,000 bond fund
Replies: 16
Views: 2676

Future income on 100,000 bond fund

Ok.I should know this but I just want to be crystal clear for my financial plan going forward towards retirement. I will keep it as simple as possible for my sake,not yours :D An example with rounded numbers. I invest 100,000 in the inter term bond fund on Jan 1,2016 and lets say it is yielding exac...
by hoops777
Sun Apr 12, 2015 11:12 am
Forum: Personal Consumer Issues
Topic: Road trip Pittsburgh to Milwaukee
Replies: 13
Views: 1209

Re: Road trip Pittsburgh to Milwaukee

Thanks for the ideas.We are getting in late so the basic plan is one full day in Pittsburgh but will be there 2 nights in the hotel,one night in Cleveland,one night in Detroit,2 nights Chicago and one night Milwaukee and back home.I also have to watch the NBA playoffs if the Warriors are still alive...
by hoops777
Sat Apr 11, 2015 7:20 pm
Forum: Personal Consumer Issues
Topic: Road trip Pittsburgh to Milwaukee
Replies: 13
Views: 1209

Road trip Pittsburgh to Milwaukee

We are flying in to Pittsburgh and driving to Milwaukee for a week end of about May 29 to June 6.Planning on driving to Cleveland,Ann Arbor,maybe Detroit,to Chicago and up to Milwaukee.Going to stop at Notre Dame and U of Michigan for sure.We like interesting small towns and great little places to g...
by hoops777
Sat Apr 11, 2015 1:34 pm
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2458

Re: Best US city to spend Xmas

Thanks.I appreciate it.
by hoops777
Sat Apr 11, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2458

Re: Best US city to spend Xmas

Stemikger....what you described is why I want to go to NY.
by hoops777
Fri Apr 10, 2015 9:24 pm
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2458

Re: Best US city to spend Xmas

Great replies.Thank you.I will choose a place and then talk to my wife and go wherever she wants :D
by hoops777
Fri Apr 10, 2015 6:45 pm
Forum: Personal Consumer Issues
Topic: Rental flooring decision
Replies: 36
Views: 3251

Re: Rental flooring decision

Yea and what about all that great laminate made in China with formaldahyde....great price though.One other laminate issue is that you have to change the baseboards as well if you have those cheap ones that you often see in apartments because of the coverage.There are also noise issues if they are se...
by hoops777
Thu Apr 09, 2015 8:40 pm
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2458

Re: Best US city to spend Xmas

Thanks for the responses and sorry for not being more informative.We have been to Maui several times so that is out.Lived my entire life in the SF Bay Area so severe weather to me is anything below 50 degrees :D.I can enjoy NY if it stays mid thirties and above but not if there is a snowstorm or air...
by hoops777
Thu Apr 09, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Rental flooring decision
Replies: 36
Views: 3251

Re: Rental flooring decision

If you want the same flooring everywhere go with vinyl planks or LVT.Laminate does not hold up to any water problems.The installation is not as easy you think unless your standards are low concerning the final look.The LVT requires more floor prep than laminate.If you hire a professional to install ...
by hoops777
Thu Apr 09, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2458

Best US city to spend Xmas

Best city to spend Christmas with no weather worries and no Ca. or Fla. please.Would like to go to NY but the weather could be severe?
by hoops777
Thu Apr 09, 2015 7:02 pm
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 9597

Re: My Strategy For A Market Crash

I like your plan and I congrats on getting there.I also liked your response to the poster who tried to paint you as a novice investor because you are just taking the dividends. :D
by hoops777
Tue Apr 07, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 257
Views: 23704

Re: Do you think Ric Edelman is correct, never pay down mort

Never pay off your mortgage is such bad advice that it is borderline incompetent.Besides the basic math,depending upon the individual circumstances,I know I get a big smile on my face :D every time I get a refinance ad in the mail or hear an ad on the radio because you cannot lower a mortgage paymen...
by hoops777
Mon Apr 06, 2015 7:52 pm
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 69
Views: 7932

Re: Mohamed El-Erian Has Most of His Money in Cash

I understand why a person buying huge amounts would by Treasuries,but what reason is there for a regular person to buy Treasuries over 10 year cds that are paying about a point higher?

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