Search found 2298 matches

Return to advanced search

Re: Reducing time spent paying bills

Everything that will pay (without fee) to a credit card pays to a 2% back Fido Amex, the rest autopay against checking. I don't have any manual payments. Once a week or so I spend a couple of minutes auditing charges.
by midareff
Thu Aug 21, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Reducing time spent paying bills
Replies: 25
Views: 1605

Re: Your biggest "Missed Money" event that still kills you?

Erhan wrote:Becoming a boglehead too late...


+1
by midareff
Thu Aug 21, 2014 7:35 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 84
Views: 5889

Re: eBay product misrepresented

I wouldn't consider that NWOT. Equitable for me would be to ask the seller to refund you the cost to get the sleeves shortened. +1 Have a good bit of eBay experience as a buyer and seller. NWOT is not an altered garment. eBay, for buyers and sellers is a reputation based marketplace. If the jacket ...
by midareff
Tue Aug 19, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: eBay product misrepresented
Replies: 7
Views: 816

Re: Would you buy these funds that were recommended?

and the advisor thought he had some low hanging fruit.
by midareff
Mon Aug 18, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy these funds that were recommended?
Replies: 30
Views: 1394

Re: Bad(?) advice given about Target Date Retirement funds

I find it amazing how many educated professionals I worked with who were clueless about not only investing but their retirement planning as well. If we were talking people with many years to go that would be one thing but this is people just a few years away. Quite scary. I've been asked for advice ...
by midareff
Mon Aug 18, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 73
Views: 4485

Re: What was Underestimated\Overestimated in Retirement

Other than the markets superb performance of the last five years + things are much as anticipated.
by midareff
Sun Aug 17, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 4522

Re: Poll for 65+ Seniors

I responded 22 months ago and have since reduced my AA from over 50% equities to 45%. Last 22 months have been a Bill Bernstein "game winner", and my need to take risk has decreased.
by midareff
Sun Aug 17, 2014 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll for 65+ Seniors
Replies: 51
Views: 5697

Re: Windows 7 PC?

Suggest you check out a little program called Start8. My Win8 machine has the Start button restored and boots direct to the desktop we know and love from WinXP/7 etc. It's a $4.99 program.
by midareff
Fri Aug 15, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2294

Re: Any Opinions on Mirrorless Cameras?

I'm hesitant to get involved with yet another soon-to-be-dead-end lens system. 4/3 has been around since the early aughts, and Olympus went to pretty impresive lengths to make their 4/3 lenses work well on their newest m4/3 camera. Going to stop now before I start sounding like a fanboi. I do disag...
by midareff
Fri Aug 15, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2021

Re: Lifestyle Creep

Interesting post...... 66.5 now and retired 2.5 years. I always had ambitious yearly savings goals and fortunately received promotions and increases in the last career years that enabled some nicer toys and international travel after savings goals were met. It is and was a hard transition for me fro...
by midareff
Fri Aug 15, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2611

Re: Any Opinions on Mirrorless Cameras?

I used Canon DSLR's for years from the Rebel line to 5DMKII with all L (pro) glass. First the pro gear, then the Rebel line got to be too heavy and cumbersome to travel with. The mirrorless Fuji X Pro 1 offered me equal image quality to the 5DMKII at less than half the weight. Their newer less expe...
by midareff
Fri Aug 15, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2021

Re: Do you hold cash/money market outside of your emergency

I'm retired so the meaning of an emergency fund may be a bit different. I do keep near a year's cash draw in MM ... about 3% of portfolio is the target. Next stash is in Limited Term Tax-Ex from which I draw monthly. I see it more as a layering of risk, from no risk cash to very low risk LT Muni's a...
by midareff
Thu Aug 14, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you hold cash/money market outside of your emergency fund
Replies: 31
Views: 1967

Re: Any Opinions on Mirrorless Cameras?

I used Canon DSLR's for years from the Rebel line to 5DMKII with all L (pro) glass. First the pro gear, then the Rebel line got to be too heavy and cumbersome to travel with. The mirrorless Fuji X Pro 1 offered me equal image quality to the 5DMKII at less than half the weight. Their newer less expen...
by midareff
Thu Aug 14, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2021

Re: Best Place to Do Research on Orthopedic Surgeons

If you're in a city with professional sports teams, I would try to find out who is repairing those professional rotator cuffs. If that surgeon is not available to you, ask who they would recommend. Short of that, I would find a shoulder expert in a sports medicine practice who does a high volume of...
by midareff
Thu Aug 14, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 1679

Re: Need for International Investing ?

Without taking a position for or against..... a review of the 2013 Callan Table shows that the EAFE outperformed the S&P500 in 10 years of the last 20. It seems to me there is a sweet spot in the mix that would be beneficial. Many authors have cited such.
by midareff
Mon Aug 11, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2524

Re: Convince me I can make a dumb (car-related) purchase

awval999 wrote:I don't think the OP can consider leasing because of the large daily commute which will destroy his yearly mileage allowance.

.



Naw, redo the math. They are pretty special vehicles.... hence the first call on the lease.
by midareff
Mon Aug 11, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4155

Re: Convince me I can make a dumb (car-related) purchase

Used either C63 series or E63 series AMG Benz. Comfortable, safe and wicked fast. Since they are dropping the 6.3 for a turbo 4.0 it might hold value better than you might think.

You might be able to negotiate a lease with first call option to buy that makes acquiring new quite attractive.
by midareff
Mon Aug 11, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4155

Re: What are you doing re charitable giving (money, not time

I marked international although the charity is US based, but delivers services internationally. It is Operation Smile. Wife and I make a 4 figure donation on our b-days. Many years of hard work and savings have made it possible to help others, whose life and family will be greatly impacted by this o...
by midareff
Sun Aug 10, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: What are you doing re charitable giving (money, not time)
Replies: 26
Views: 1505

Re: How Often to Look for Rebalancing Opportunities?

This may help http://www.cfapubs.org/doi/pdf/10.2469/dig.v38.n3.33 This link should let you download the full study. http://www.google.com/url?sa=t&rct=j&q=&esrc=s&frm=1&source=web&cd=1&ved=0CB0QFjAA&url=http%3A%2F%2Fwww.tdainstitutional.com%2Fpdf%2FOpportunistic_Reba...
by midareff
Thu Aug 07, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: How Often to Look for Rebalancing Opportunities?
Replies: 20
Views: 1041

Re: How many Accounts do you log into and how do you manage?

sperry8 wrote:I memorize 1 password for Lastpass. And Lastpass remembers my hundreds of passwords for me. It's the only way to go. If you want even more security, you need to use two factor authorization.


Great free program. I guess about 50 sites and a few secure docs.
by midareff
Wed Aug 06, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2500

Re: When is a 3.75% load worth it?

I don't like the risk. The fund invests heavily in derivatives. I'd much rather have a fund that owns the common stock or bonds. +1 ... Does well until they guess wrong, then what? This would be play money only for me if I was interested, which I'm not. I'd rather continue to ride VGHAX (Vanguard H...
by midareff
Wed Aug 06, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5188

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

On second glance....... over a billion is a big number... population of the earth is maybe 7.5 billion? Deduct a few billion for unconnected folk in China, India, the third world, etc., and a couple billion more for infants, juveniles, the elderly who don't use password sites, etc. Do they have the ...
by midareff
Wed Aug 06, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7341

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

At the time of the last big scare, and after reading a bunch of posts here I added LastPass to my collection of IT tools. After watching a security analysis link about it I used it to generate unique 10 and 12 character upper/lower case and numeric passwords for each site that handles money or credi...
by midareff
Wed Aug 06, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7341

Re: Why should a portfolio get safer as one ages?

Volatility is a simple reason. Let's suppose you are 75 and living off your portfolio. The market as defined by the S&P500 drops 50% over a six month period. From an effective basis a 100% equity portfolio is now being drawn down twice as fast. An age in bonds portfolio of 25% equities 75& b...
by midareff
Mon Aug 04, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Why should a portfolio get safer as one ages?
Replies: 30
Views: 2783

Re: Dogs of the Dow ??

I seem to recall the Motley Fool website promoted the Dogs of the Dow for many years. One day they determined it was not the most effective strategy on a risk adjusted basis. Wide ties, narrow ties, pin stripes and solids, pointy toe and rounded.... I just don't follow all that stuff all that closel...
by midareff
Mon Aug 04, 2014 9:06 am
 
Forum: Investing - Theory, News & General
Topic: Dogs of the Dow ??
Replies: 21
Views: 2340

Re: What is your most memorable 1 week vacation?

A great 5-7 day trip is Zion, Bryce, north rim of the Grand Canyon. Great parks, all very unique and different from one another and all easy to drive to. You can throw in another park or two in Utah if you want to, or add a day and night in Vegas if you want to. Substituted Lake Powell for the Nort...
by midareff
Sat Aug 02, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 85
Views: 6536

Re: Asset Allocation in Retirement and Tax Efficiency

Are you sure of your healthcare costs? I am able to keep my wife's at my former employer @ cost which is slightly over $5K annually, and then there are deducts and copays. My Medicare and AARP are about $460 monthly + drug copays.

Second.. no SS? How is that?
by midareff
Sat Aug 02, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation in Retirement and Tax Efficiency
Replies: 3
Views: 351

Re: How to stop collection for an invalid debt

It's a college library FWIW. When the first collector called me, I went back and forth with the library manager, was polite but insisted that I'd returned it and that the replacement charge was many times the fair value of the book, but she wouldn't budge. Wouldn't write it off, or settle for less ...
by midareff
Sat Aug 02, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: How to stop collection for an invalid debt
Replies: 31
Views: 1961

Re: 1.49% 36 mo car loan offer - take it or pay cash?

I'd take the loan and put the money in IT Tax-EX Muni's paying slightly over 3% tax free, but that's just me. I'd pay the loan from cash flow and look at it as a forced saving. I did exactly that with a 5 year car loan. Other opinions will differ.
by midareff
Sat Aug 02, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: 1.49% 36 mo car loan offer - take it or pay cash?
Replies: 13
Views: 1121

Re: How to stop collection for an invalid debt

Have you gone to the library and checked the shelf to see if the book is there? After all this time and trouble and you have not checked to see if the book is at the library or has been loaned out again? REALLY? REALLY? Next is the drop dead letter and block the number in your cell but all of these...
by midareff
Sat Aug 02, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: How to stop collection for an invalid debt
Replies: 31
Views: 1961

Re: Options for "mortgage pre-payment plan"

I'm going to make a wild guess that the 3%/30 yr is an adjustable. We re-financed back when rates were at their lowest and snagged a 3.4% fixed/30 yr, and I saw nothing cheaper at the time. If it is adjustable, by all means, pay it off, as you can. That said, if it's a fixed-rate mortgage, then I'd...
by midareff
Sat Aug 02, 2014 5:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Options for "mortgage pre-payment plan"
Replies: 17
Views: 1134

Re: Clean investing in a single stock

oldzey wrote:If you don't want to deal with dividends, then I'd say BRK.B.


+1
by midareff
Sat Aug 02, 2014 4:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 28
Views: 2642

Re: How Much Did You Lose Today?

:oops: I didn't sell anything so I couldn't lose anything.
by midareff
Fri Aug 01, 2014 7:47 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14098

Re: The Boglehead-prisoner’s dilemma.

Deed to a piece of land near an expanding city.
by midareff
Thu Jul 31, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: The Boglehead-prisoner’s dilemma.
Replies: 33
Views: 5420

Re: Principles for Changing Asset Allocation & Splicing

Hi everyone, I wanted to get thoughts on when it is right (or not right) to change one's asset allocation. I'm less interested in the question of age (e.g. increasing the % of bond holdings as you get older), and more interested in changing the allocation with regard to circumstances. Here's a hypo...
by midareff
Wed Jul 30, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Principles for Changing Asset Allocation & Splicing
Replies: 29
Views: 2245

Re: What percentage of my portflio should be in cash?

There is no right or wrong answer and as others have said it is whatever you are comfortable with. I have a pension from a top 5 or 6 well funded state and SS. I keep a year of normal portfolio draw over and above those in MM as a "what if". I figure the portfolio drag isn't worth talking ...
by midareff
Wed Jul 30, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of my portflio should be in cash?
Replies: 10
Views: 930

Re: Need Perspective and Advise

When I re-read what I wrote, I had this thought: What if a potential client went to this advisor with a portfolio exactly like he described to you: 18-20 good dividend payers and no bonds that the client had been actively managing. Would the advisor change his tune and say, "That's too risky a...
by midareff
Wed Jul 30, 2014 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Perspective and Advise
Replies: 21
Views: 1807

Re: Purchasing public pension benefits

Florida Retirement System at 7.75% projections recently revised pre-retiree cola term and began requiring a 3% of salary pay in for pre-retirees. It is easy to fix funding issues, if there really are any, going forward with the worker base. Reducing retiree's incom, good luck with that....... gotta ...
by midareff
Tue Jul 29, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Purchasing public pension benefits
Replies: 17
Views: 1315

Re: Bonds!!??

Funny... this OP is a couple of days short of 2 years old. Illustrates how right the pundits are.
by midareff
Tue Jul 29, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds!!??
Replies: 56
Views: 10691

Re: What amount of Earnest Money - New Pulte Home

Watty wrote:If the money is being held in escrow, and not being paid to the builder, then I would not be too worried about 5%.



and .... Do you have an attorney who will be handling the closing? Title Insurance, checking for liens, etc.? How about your attorney's escrow account?
by midareff
Mon Jul 28, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: What amount of Earnest Money - New Pulte Home
Replies: 35
Views: 1953

Re: POLL: My home is worth less/more in 2014 than in 2007?

livesoft wrote:I wouldn't believe ANYTHING on zillow. It said our home sold about 3 months ago. I have no idea who our new roommates are because I haven't seen them yet.



and a PenFed loan officer told me they use the Zillow #'s as an appraisal guide.
by midareff
Mon Jul 28, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5692

Re: Buying a Home - Town permit records don't match disclosu

My realtor is very knowledgeable and inspected as best as he could, pointing out any tiny thing he was, but his opinion was that the place was in fantastic shape.


RIP, he closed you as best he could. DO NOT close until the permit records are brought up to date.
by midareff
Sun Jul 27, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3562

Re: Florida Retirement Communities advice/thoughts

Jim.. I'm kinda familiar with Florida .. or South Florida areas. PM me.
by midareff
Sun Jul 27, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Florida Retirement Communities advice/thoughts
Replies: 24
Views: 2943

Re: Vanguard sued for charging too little

pennstater2005 wrote:Somehow I see this lawsuit not making it very far.



Somehow I see someone with their tongue hanging out looking for a settlement offer.
by midareff
Sun Jul 27, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 173
Views: 19131

Re: Where would you put 30k for a 70 yo first time investor?

100% Wellington. Not exactly what he is asking for but a good compromise. +1 although Wellesley might be even more appropriate. Age in bonds = 70% Wellesley would be mildly aggressive and Wellington quite aggressive. He could use the income and leave the growth for heirs. With little or no stated r...
by midareff
Sun Jul 27, 2014 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Where would you put 30k for a 70 yo first time investor?
Replies: 13
Views: 1464

Re: Rather be Home, Rather be at Work

Toons wrote:Work or home?Hmmm,let me think.I slept till 10am this morning, what day is it anyway?Done thinking ,I'm retired,home sweet home



+1 LOL, It wasn't 10 AM but it may have been 8 AM. Was this a real question?
by midareff
Fri Jul 25, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 3844

Re: FRS (Fl Ret Srv) Pension Option - Worth it?

I'd ask myself (or himself) WHY is Florida offering this? I presume the system needs the money. We will possibly be facing a new paradigm as to how states pay (or don't pay) pension benefits down the road. Sort of like Detroit although states won't have the state or a museum to contribute to the de...
by midareff
Fri Jul 25, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: FRS (Fl Ret Srv) Pension Option - Worth it?
Replies: 10
Views: 718

Re: Best On-line Portfolio trackers

I use M* in conjunction with a programmed excel book. I have two views in M* that have all the data I want to import into my excel sheets/book and from there I can have everything updated in probably 70 seconds from a cold off computer if I'm after it to 2 minutes if I'm real leisurely. I really can...
by midareff
Fri Jul 25, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best On-line Portfolio trackers
Replies: 16
Views: 1665

Re: state pension

Leave it alone and consider that one income stream is done and paid for.
by midareff
Fri Jul 25, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: state pension
Replies: 43
Views: 2703

Re: equal asset location and rebalancing

If your AA is 50.0% and 50.0% and your tolerance is 0 than it would take constant rebalancing...... if your balance bands are +/- 5% on total (equities or bonds) and the tolerance for investments within each group is anywhere from 10 - 25% rebalancing is much less frequent.
by midareff
Fri Jul 25, 2014 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: equal asset location and rebalancing
Replies: 6
Views: 570
Next

Return to advanced search