Search found 3389 matches

by midareff
Thu Aug 27, 2015 8:23 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11476

Re: How are you being GREEDY when others are fearful?

Well, I tried to be GREEDY, but others were not fearful enough. But instead of falling, VDE rose +3.36% yesterday. VYM +3.63%. VIX is down to 30.32 from a peak 43.26 on Monday. It looks like the Plunge Protection Team has stopped the fall. :annoyed Patience, you'll have another opportunity soon I'm...
by midareff
Wed Aug 26, 2015 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Is this a wash sale?
Replies: 2
Views: 249

Re: Is this a wash sale?

livesoft wrote:You got it! No wash sale. So far.



Ditto
by midareff
Wed Aug 26, 2015 7:36 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11476

Re: How are you being GREEDY when others are fearful?

There is not enough fear yet. All you have so far is a garden variety correction, this is baby steps stuff. Wait till you see 30% down, then 40.. then I just may get greedy.
by midareff
Tue Aug 25, 2015 10:19 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 194
Views: 21208

Re: The Bogleheads' Silent Majority

Uncle Pennybags wrote:
meaghansketch wrote:I've lost more money in the past 2 days than I did during the whole 2008 downturn,
Don't count your money wile you are sitting at the table, there will be plenty of time for counting when the dealing is done. Paper loss, stay the course.



You only lose money if you sell. No sale, no loss.
by midareff
Tue Aug 25, 2015 10:13 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 194
Views: 21208

Re: The Bogleheads' Silent Majority

. . . As Jack Bogle has said, "Don't just do something. Stand there.". Thank you, Imho this is what "the large majority" of The Bogleheads' Silent Majority is doing. The eternal battle of the desire to make more (greed) vs. the desire to keep what you have (fear). Have not made ...
by midareff
Tue Aug 25, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: LastPass Users' Feedback
Replies: 14
Views: 1030

Re: LastPass Users' Feedback

I have been using LastPass (premium version) on both home computers and on a tablet and phone for more than a year. I use long strong complex passwords for financial sites and lesser for others which contain no financial information. I like that you can restrict access by country and that you can ha...
by midareff
Fri Aug 21, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Non-Retirees: Scared about retirement?
Replies: 45
Views: 4994

Re: Non-Retirees: Scared about retirement?

In the year or so leading up to my retirement 3.5 years ago I was extremely apprehensive about the life's change and what lifestyle I might be able to maintain in retirement. I did black and white excel calculations as well as mental calculations from every angle I could think of and couldn't seem t...
by midareff
Fri Aug 21, 2015 9:32 am
Forum: Investing - Theory, News & General
Topic: Crowdsourcing to help our fellow man
Replies: 6
Views: 617

Re: Crowdsourcing to help our fellow man

If there is no profit, and resultantly no dividends, what would be the incentive to invest capital? At least a registered charity gets you a tax deduction.
by midareff
Fri Aug 21, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Defined benefit versus contribution plan
Replies: 12
Views: 1114

Re: Defined benefit versus contribution plan

I don't think you can analyze this by looking at the plan alone although the 10% contribution to the defined contribution plan would certainly get my attention. Generally, pension plans have contribution limits as do 403(b) s and such. .. and after that you move on to Roth and taxable investment acc...
by midareff
Sat Aug 15, 2015 1:51 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 3757

Re: End of 30 yr. Bull run on bonds, what now

I think a realistic expectation for intermediate term bond funds moving forward is near zero real for the coming five years. Hopefully we will have a positive surprise and not a negative one. Remember, this is the money you keep, not the money you speculate with.
by midareff
Wed Aug 12, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ Bond Fund Analysis
Replies: 9
Views: 674

Re: Help w/ Bond Fund Analysis

I'd suggest you have a look at M*'s prior 12 month total return and compare it to the total 12 month dividend yield. That may give you some idea of losses to expect from return numbers in a more real environment.
by midareff
Tue Aug 11, 2015 6:09 am
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

It's a market... market's go up and down. It's just another day of markets doing what markets do and talking heads doing what they do.
by midareff
Sat Aug 08, 2015 10:08 am
Forum: Investing - Theory, News & General
Topic: Why hold corporate bonds?
Replies: 47
Views: 4429

Re: Why hold corporate bonds?

. For a equity oriented portfolio (75% stock) I see not [sic] compelling evidence to include coporate [sic] bonds in fixed income portion. Have not been disappointed to far. Robert . How about a 70% fixed income portfolio? or 40/60 to 45/55. I think I see 5 years of a retiree's draw down in a CD la...
by midareff
Sat Aug 08, 2015 8:41 am
Forum: Investing - Theory, News & General
Topic: Why hold corporate bonds?
Replies: 47
Views: 4429

Re: Why hold corporate bonds?

For example, for 5-years ending 7/31, Vanguard Intermediate-Term Investment-Grade has returned 4.73%, while Int-Term Treasury has returned a much lower 2.98%. Over last 10 years, the difference is not as great, but inv-grade still was higher at 5.5% vs. 4.86% for int-term Treasury. Kevin Ten years,...
by midareff
Thu Aug 06, 2015 6:36 am
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 119
Views: 10840

Re: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios

tludwig23 wrote:I don't trust the conclusions of any paper, white or otherwise, where the author is paid by someone with a vested interest in the paper's conclusion.



:-)
by midareff
Tue Aug 04, 2015 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Keeping track of health expenses and reimbursements
Replies: 13
Views: 751

Re: Keeping track of health expenses and reimbursements

OP here. Many thanks for all the replies. I took a few minutes and developed a spreadsheet as recommended. Thanks also for the heads-up about billing errors. I'll be vigilant. How does a confused elderly person avoid getting fleeced if s/he has nobody to help? Saddens me. Medicare + AARP United Pla...
by midareff
Tue Aug 04, 2015 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Card
Replies: 9
Views: 1126

Re: Cash Back Credit Card

Amex 6% groceries as previously noted, Penfed 5% visa for gas, Fido 2% Amex, Citi 1 +1 Master and Discover rotating 5%. Fun game.
by midareff
Mon Aug 03, 2015 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Keeping track of health expenses and reimbursements
Replies: 13
Views: 751

Re: Keeping track of health expenses and reimbursements

Simple Excel spreadsheet with the following columns... Date of service Patient (me or wife) Provider Amount Billed Medicare Allowed / Approved Medicare Paid Blue Cross Paid We Paid Amount Owed. Enter the data as we receive it from the insurers. After all the insurers have paid we pay whatever is le...
by midareff
Mon Aug 03, 2015 12:31 am
Forum: Investing - Theory, News & General
Topic: [How often do you check on your investments?]
Replies: 43
Views: 2157

Re: [How often do you check on your investments?]

Not in the last three weeks and I'm in withdrawal. Need to sell some equities buy some CD's and hop the next cruise ship. :happy
by midareff
Tue Jul 21, 2015 10:59 am
Forum: Investing - Theory, News & General
Topic: Best Portfolio Tracker
Replies: 12
Views: 1792

Re: Best Portfolio Tracker

Morningstar's tracker is fine, but isn't automated. It doesn't sync with your accounts. You have to manually enter all transactions, including dividends. True however... some reinvest, some pool, some take to bank and some do other Things with distributions so I think your criticism maybe u specifi...
by midareff
Tue Jul 21, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: Best Portfolio Tracker
Replies: 12
Views: 1792

Re: Best Portfolio Tracker

Morningstar's tracker is fine, but isn't automated. It doesn't sync with your accounts. You have to manually enter all transactions, including dividends. True however... some reinvest, some pool, some take to bank and some do other Things withdistributions so I think your criticism is user specific,.
by midareff
Tue Jul 21, 2015 1:54 am
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3636

Re: When did you start investing in the Market?

1972 or 1973 at about age 25/26. It's been a long ride and some times, like now, have been nicer than some others.
by midareff
Tue Jul 21, 2015 1:18 am
Forum: Investing - Theory, News & General
Topic: Best Portfolio Tracker
Replies: 12
Views: 1792

Re: Best Portfolio Tracker

Morningstar has an excellent tracker which is quite customizable. Data is also exportable to excell.
by midareff
Mon Jul 20, 2015 12:48 am
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 39
Views: 8253

Re: A retiree's personal experience...

Retired at 64 in early 2012. SS at 65. Wife retired in 2011 at 49. The bull has been extremely kind and our $ withdrawn has steadily increased to the current 3.2%. I'm writing this AM from the Amsterdam Hilton. Germany, Austria, Slovakia, Hungary and the Czech Republic to follow. When we get back I...
by midareff
Sun Jul 19, 2015 3:10 am
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 39
Views: 8253

Re: A retiree's personal experience...

Retired at 64 in early 2012. SS at 65. Wife retired in 2011 at 49. The bull has been extremely kind and our $ withdrawn has steadily increased to the current 3.2%. I'm writing this AM from the Amsterdam Hilton. Germany, Austria, Slovakia, Hungary and the Czech Republic to follow. When we get back I ...
by midareff
Wed Jul 15, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: Where do you put your cash?
Replies: 64
Views: 8186

Re: Where do you put your cash?

Ally Savings @ .99%
by midareff
Wed Jul 15, 2015 7:30 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 7017

Re: I tipped 15% and got a dirty look

russelljohnson wrote:15% for acceptable service
0%-15% for bad service
15% - 20% for exceptional service

90% of the time, I receive acceptable service.



We feel the same way.
by midareff
Tue Jul 14, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Is vinyl used in some leather car seats?
Replies: 21
Views: 1533

Re: Is vinyl used in some leather car seats?

I think even Mercedes uses a pleather-like product. If they're doing it, I can't imagine that any other car maker, except maybe the really really rare ones (Bentley, etc.), are using real leather on every surface. They call the product MB-Tex and it is a textile product the salesman recommended to ...
by midareff
Tue Jul 14, 2015 6:35 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4329

Re: Cost of Routine Dental Cleanings

$100 at a dentist in his own office in an upscale neighborhood. $135 at a perio. $165 for a full x ray set.
by midareff
Mon Jul 13, 2015 6:18 am
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 3152

Re: Password Management

I use LastPass with long strong different passwords for all finan$ial $ites. Has anyone used a product like Lastpass with a financial integration service like Mint, Personal Capital or Yodlee? Do they play well together? Conceptually it seems like the LastPass would make it very difficult for the i...
by midareff
Sun Jul 12, 2015 8:04 am
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 3152

Re: Password Management

I use LastPass with long strong different passwords for all finan$ial $ites.
by midareff
Sat Jul 11, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: A Career in Golf?
Replies: 22
Views: 2529

Re: A Career in Golf?

FWIW if he wants to be a year round success at paying, coaching, managing, etc., he needs to be in a climate where they play year round. I think it is just that simple. Whether it is in the South or Southwest he will have to review the economics of what he can make and the areas cost of living.
by midareff
Sat Jul 11, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8808

Re: The Brainwashing of the American Investor

arcticpineapplecorp. wrote:He wrote "the book on investing": The Brainwashing of the American Investor: The Book that Wall Street Does Not Want You to Read

I would say the book that Wall Street Does Not Want You to Read has already been written and it's called "The Bogleheads Guide to Investing."



Amen!
by midareff
Sat Jul 11, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: If You Slice and Dice
Replies: 22
Views: 3063

Re: If You Slice and Dice

Call_Me_Op wrote:Slice and dice has nothing to do with tinkering. You define an asset allocation and stick with it.



Agreed... and I S&D but each asset class has a percentage target and bands wherein variation is allowed. I use a Roth which is about 3% of total to tinker, not my VG portfolio.
by midareff
Sat Jul 11, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2904

Re: Facebook's malware scan- legitimate or malware? Invasive?

InvestorNewb wrote:It's stories like this that remind me why I never joined Facebook.


ditto
by midareff
Sat Jul 11, 2015 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Favorite Fidelity Funds
Replies: 10
Views: 879

Re: Favorite Fidelity Funds

I have a Roth at Fido I use as a play account (maybe 3% of total). Currently it has Fido Health and Pharma funds, previously it had the Spartan Extended Market Index and prior to that EM and EM Bonds. Sometimes being lucky is all you need. A Boglehead S&D is at VG.
by midareff
Fri Jul 10, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 30 year or 15 year?
Replies: 56
Views: 5155

Re: Mortgage - 30 year or 15 year?

Thanks for the reply. I don't see the Penfed rate at 3.5% for a 30 year? Where do you see that? Thanks! A lot of people on this board seem to like throwing money away by paying off debt.:) Family CFO's make financial decisions based upon the most efficient and optimal use of capital. Much like well...
by midareff
Fri Jul 10, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: One car or two in semi-retirement?
Replies: 49
Views: 3788

Re: One car or two in semi-retirement?

We have one and are both retired. LOL, we still like each other and don't go anywhere without the other. There are lots of days the car doesn't leave the garage.... 32 months old and 14K miles. There is a possibility of a second car if I ever went back to an autocross hobby but outside of that it si...
by midareff
Fri Jul 10, 2015 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 30 year or 15 year?
Replies: 56
Views: 5155

Re: Mortgage - 30 year or 15 year?

A lot of people on this board seem to like throwing money away by paying off debt.:) Family CFO's make financial decisions based upon the most efficient and optimal use of capital. Much like well run public companies that have high cash flow, low debt and outstanding operating margins, a family tha...
by midareff
Fri Jul 10, 2015 7:41 am
Forum: Personal Consumer Issues
Topic: Roof done: call company to pay or wait from them to call?
Replies: 10
Views: 1501

Re: Roof done: call company to pay or wait from them to call?

Until the final inspection is done and it passes do nothing, and until it does pass you owe nothing. After you get a copy of the final sign-off you can call and ask they pickup their check or would they prefer it be mailed. ... LOL, or can you put it on a cash back credit card?
by midareff
Fri Jul 10, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying Friend's House - what to do about agent's commission
Replies: 17
Views: 1891

Re: Buying Friend's House - what to do about agent's commission

We've been working with a real estate agent off and on for about a year to find a house. The agent has done a good job but we just haven't found quite what we are looking for. Now a friend is selling their house without an agent and we really like the house. My agent hasn't done anything on this ho...
by midareff
Fri Jul 10, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3290

Re: What antivirus software?

I think you have to ask yourself how much damage (and the cost) would be done if you had to replace your computer, Why would you have to replace your computer? Because you were careful enough to back up your data, but not careful enough to create recovery media for your (no-longer-available) operat...
by midareff
Thu Jul 09, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Please help me improve my online security
Replies: 24
Views: 2503

Re: Please help me improve my online security

Online security is a tough subject and we try to protect ourselves as best we can. We use subscription versions of AVG Anti-Virus, Malwarebytes Internet Security and Malwarebytes Anti-Exploit on all computers. We use LastPass (password manager) and different very strong passwords at all sites that d...
by midareff
Thu Jul 09, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3290

Re: What antivirus software?

I used to use AVG Free and later added Malwarebytes Free but have become more concerned about potential issues in the last year or so since all my accounts are accessed by this computer. I believe the primary differences between the free and paid versions of both of those is that the free versions r...
by midareff
Wed Jul 08, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: Productivity Apps that you pay for
Replies: 21
Views: 1708

Re: Productivity Apps that you pay for

LastPass
Office 2010 (full)
Xemico's Active Desktop Calendar
Adobe's Lightroom
by midareff
Sun Jul 05, 2015 8:32 am
Forum: Investing - Theory, News & General
Topic: U.S. Bond Market Bubble
Replies: 44
Views: 4600

Re: U.S. Bond Market Bubble

http://i58.tinypic.com/mn2e5v.png This chart should give you a partial answer. It charts the Vanguard High Yield Corporate Bond Fund against High Yield Bonds and the Barclays US Aggregate Bond Index. Over 10 years, Vanguard High Yield grew from $10,000 to $18,927. High Yield Bonds grew to $18,167 a...
by midareff
Sat Jul 04, 2015 11:33 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6900

Re: Aren't we obsessing way too much about our portfolios?

I think there is a difference between obsessing about setting an asset allocation and following a preset asset allocation. I have an asset allocation that I follow. I do not really worry about it at all. I like it when my portfolio value goes up and I still like it when my portfolio value goes down...
by midareff
Sat Jul 04, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6900

Re: Aren't we obsessing way too much about our portfolios?

We are retired and 35% of our income is portfolio provided. That's the 35% that provides the finer things in life; toys, travel and (to us) luxuries. Travel once a year and use a Motel 6 or travel 4 or 5 times a year with suites and better airplane seating. A night out at Burger King or Morton's. A ...
by midareff
Sat Jul 04, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: U.S. Bond Market Bubble
Replies: 44
Views: 4600

Re: U.S. Bond Market Bubble

BahamaMan wrote::oops: :D



LOL +1 ....

Go to advanced search