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Re: Lock now or hope rates inch downward?

I've been watching too as a move looks like its in our immediate future. While we all want to hit the bottom, an eight of a point in interest or points is really just noise. You can have PenFed send you daily rate updates.
by midareff
Fri Apr 18, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Lock now or hope rates inch downward?
Replies: 5
Views: 510

Re: Bernstein retirement plan

Sarah... I'm mostly in agreement but have a younger wife and thereby a longer time period to protect. I use a mix, between 1:2 and 1:3 of ST to IT and Limited Term to IT. My drawdown works (more than 25X) assuming nothing but dividends comes from equities for the next 30 years. That's probably too c...
by midareff
Fri Apr 18, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Bernstein retirement plan
Replies: 32
Views: 3887

Re: Asset allocation over time

Some of this depends on how you are doing, your withdrawal rate, and required portfolio longevity. I've been able to secure our life's needs in bonds, taxable and tIRA as time mandates, at a reasonable withdrawal rate .. so who cares about the rest although in our case it resembles 48/48/4 Equities/...
by midareff
Fri Apr 18, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1078

Re: Another take on the "rebalancing bonus"

Great thread but there seems to be a dimension missing. If I'm 35 years old and my AA drifts from 65/35 to 75/25 I'd probably rebalance ..... as I would if the opposite occurred. Now lets assume I'm 66 and my AA is 45/55, and the 55 represents best estimate of required monthly withdrawals for the co...
by midareff
Thu Apr 17, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Another take on the "rebalancing bonus"
Replies: 63
Views: 3348

Re: Frugality regret: What thing do you regret not spending

Very tough question to answer for me. In my background my parents retired at 62 and we moved to Florida. While still in NY dad listened on radio to the daily market results. I was an investor in training before I could sit at the dinner table. Having said that retirement was in my sights early on, a...
by midareff
Wed Apr 16, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 104
Views: 12551

Re: Frugality regret: What thing do you regret not spending

Very tough question to answer for me. In my background my parents retired at 62 and we moved to Florida. While still in NY dad listened on radio to the daily market results. I was an investor in training before I could sit at the dinner table. Having said that retirement was in my sights early on, a...
by midareff
Wed Apr 16, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 104
Views: 12551

Re: ordinary income on a stock sale?

I can see capital gain or loss from a sale, either short term, long term or with varied acquisition dates, both. Not dividends from a sale.
by midareff
Wed Apr 16, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: ordinary income on a stock sale?
Replies: 5
Views: 250

Re: Does this strategy invite unnecessary risk?

Sounds like a variation of the "LARRY" portfolio. Search it on the site. (Larry Swedroe)
by midareff
Wed Apr 16, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Does this strategy invite unnecessary risk?
Replies: 29
Views: 1562

Re: Most solid small car

Have the C350 4dr about 18 months now and love it. Zero issues and very respectable gas mileage for the type of traffic and speed limits it spends most of the time in. BTW, if you can tough it out until the end of the year they will probably do the every year special which includes a rebate for movi...
by midareff
Wed Apr 16, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Most solid small car
Replies: 21
Views: 2599

Re: Toaster Ovens

Wife loves the Brevile.. the larger one with convection. Any kinds of muffins, bread, etc.
by midareff
Wed Apr 16, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Toaster Ovens
Replies: 15
Views: 920

Re: The Case for Dividend Stocks in Retirement (article)

If the cow is growing at 2lbs/yr and your eating 1 lb/yr, how many years will it take to consume the cow? "The math is such that a person living from dividend stocks ends up in the same place as a person selling shares, provided given that the total returns of the two portfolios are exactly th...
by midareff
Mon Apr 14, 2014 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 27
Views: 2226

Re: Software for Own Investing Plan/Rebalance

I like the idea of a spreadsheet a lot! It takes all the emotion out of rebalancing decisions. You can incorporate rebalancing bands into the spreadsheet as well. I think it's an excellent exercise for an individual to build their own with Excel, especially if they don't have a lot of Excel experie...
by midareff
Mon Apr 14, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Software for Own Investing Plan/Rebalance
Replies: 11
Views: 675

Re: suggestion for awd luxury sedan

I vote for the MB. I am 18 months into a MB C350 and love it.n
by midareff
Mon Apr 14, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 39
Views: 2869

Re: The Case for Dividend Stocks in Retirement (article)

"The math is such that a person living from dividend stocks ends up in the same place as a person selling shares, provided that the total returns of the two portfolios are exactly the same." It would seem that given a sufficient time horizon one cow keeps giving milk while the other cow ge...
by midareff
Mon Apr 14, 2014 8:21 am
 
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 27
Views: 2226

Re: How much is rich?

Rich is what it takes to be retired and think you have a nice life while not thinking of money while on the pillow.
by midareff
Sun Apr 13, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2414

Re: Retirement Check

Try the Fidelity Retirement Calculator. You have to be registered at the site to use it but registration is free.
by midareff
Sat Apr 12, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Check
Replies: 12
Views: 1198

Re: Online Retirement Calculators

The best one I ever ran across is at Fidelity. You have to be registered (free) and it takes all your information in significant detail. You will go through all your expenses, then all investments before it gets into projections. Definitely worth a free sign up to have a look.
by midareff
Sat Apr 12, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Retirement Calculators
Replies: 17
Views: 1681

Re: Corporate Bond in Tax-deferred vs Muni Bonds in Taxable

I've been looking at that same issue lately. Here is what current monthly returns tell me. IT Muni in taxable (VWIUX) ... last month's yield was 3.37% which seems to be a fair representation of the last few months return. I keep month to month records. IT Investment Grade ... last month's yield was ...
by midareff
Fri Apr 11, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: Corporate Bond in Tax-deferred vs Muni Bonds in Taxable
Replies: 8
Views: 758

Re: Updating Windows 8 to 8.1

I went with a new computer with Win8 what seems to be about a year ago. I installed Start8 immediately which boots direct to the desktop just like Win 7 and XP did, and restores the lower left corner start menu with all its features. Everything works great and very fast including internet.
by midareff
Fri Apr 11, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Updating Windows 8 to 8.1
Replies: 15
Views: 1086

Re: Basic Home Theater System Recommendations

Sunny... I think the HDMI output on the Blueray is much more important. Actually, I can't image what need you would have for a HDMI input to a blueray. for If your TV does not have internet Wi-Fi then it is a must for your blue ray. In a typical system I would see the cable box or satellite controll...
by midareff
Fri Apr 11, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Basic Home Theater System Recommendations
Replies: 18
Views: 924

Re: emerging markets should they be in your portfolio

Interesting article ... thanks for the perspective Larry. With VSS @ 18.4% Emerging and VXUS @ 16.9%, and then looking at the share of equities they occupy it seems a few additional % of Emerging would fit right in. I'll consider it.
by midareff
Thu Apr 10, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: emerging markets should they be in your portfolio
Replies: 14
Views: 1445

Re: Do I take the separation package offer?

Take the money honey, the party is OVER, the fat lady has sung. Welcome to the promised land.
by midareff
Wed Apr 09, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 50
Views: 4437

Re: Heartbleed Web Hack Test on Websites of Interest Here

I used two of the Heartbleed test sites today on 27 different sites, some financial, some like eBay and PayPal, etc., and found none failed. Regardless, I spent most of the day changing passwords as a precautionary measure.

http://possible.lv/tools/hb/

http://filippo.io/Heartbleed/
by midareff
Wed Apr 09, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 15931

Re: Expensive med. test not covered by insurance

I would check with medicare and see what they pay (ALLOW) for those tests. When you have that offer the company the medicare reimbursement rate and tell them you thought it was covered and can't handle the full price bill. Might be your lucky day.
by midareff
Wed Apr 09, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3535

Re: Favorite Investing Book?

The Intelligent Asset Allocator by William Bernstein ... until that point perhaps 15 years ago, I had been reading volume after volume of stock market gibberish. That was the first book that made sense and with it the lights came ON. From there (no particular order) it was more Dr. B, Larry, Rick, J...
by midareff
Wed Apr 09, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 42
Views: 3156

Re: Question on tracking a portfolio

My portfolio has 5 ETF funds. As I purchase additional shares, how do I track my overall return with different purchase prices? Does simply averaging the purchase price of each transaction create an overall return for the portfolio and each individual holding? For example: 3 shares purchased at $10...
by midareff
Wed Apr 09, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on tracking a portfolio
Replies: 7
Views: 365

Re: Credit Threatened By Mega Cell Carrier After Bill Disput

I think you should write the COO and/or CEO of the company. I suspect you will get a letter from customer relations quite quickly.
by midareff
Tue Apr 08, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Threatened By Mega Cell Carrier After Bill Dispute
Replies: 14
Views: 1108

Re: How do you walk away from a good job?

I think the first step is to stop wondering how to walk away. When the things you want to do become more important than the income your path will be clear, and you will at a minimum want to work less, maybe not at all. No point to wonder now... now should be Borden's time.. if you get my meaning. Le...
by midareff
Tue Apr 08, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you walk away from a good job?
Replies: 29
Views: 3310

Re: How often do you rebalance to maintain your AA

I'm not on a schedule other than looking @ spreadsheets frequently. When equities run as far as they did last year I exchanged some for FI. I use a balance band system which compares asset values to each other and like to keep individual index funds within 10-15% of their range, and the equities/FI ...
by midareff
Tue Apr 08, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 1643

Re: Best option for high interest earning no fee checking?

I'd like to bite the bullet and take all my money out of Vanguard Prime MM--has no real value to me. And park my emergency fund money in an FDIC-insured "high" interest paying checking or savings account. Preferably one with no monthly fees. How does one quickly do rate / fee comparisons ...
by midareff
Mon Apr 07, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Best option for high interest earning no fee checking?
Replies: 19
Views: 1618

Re: Advice on negotiating price of home?

First, on your realtor friend. You can certainly ask them to run comps on this house for a fee. Offer to pay for this service. Realtors generally work for the seller, not the buyer. By this friend running comps, you know what the market is for houses that have sold with a commission. You can rightl...
by midareff
Mon Apr 07, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on negotiating price of home?
Replies: 14
Views: 1132

Re: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix

There is a very famous dinner on Route 66 on the way to the Canyon ... LOL... You kill 'em we grill 'em.
by midareff
Mon Apr 07, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix
Replies: 26
Views: 989

Re: Buffett hasn't beaten the market regularly since '07

I'd be surprised if he did while hauling that big cash anchor around.
by midareff
Sun Apr 06, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Buffett hasn't beaten the market regularly since '07
Replies: 20
Views: 2367

Re: Investing in Equities, But Avoiding Market Top

The OP mentioned 70/30 as an AA so I assume he wanted a bit of feedback on that as well. Age in bonds or some variant such as age -10 in bonds, is much more mainstream and risk averse, especially for the less savvy. At age 60 a 70/30 portfolio is age -30, that's VERY aggressive and risky. You might ...
by midareff
Sat Apr 05, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Equities, But Avoiding Market Top
Replies: 13
Views: 1080

Re: What would you do in this situation?

John3754 wrote:I would put it into the same asset allocation that I put the rest of my general assets into, it's the only thing that would make sense to me as this money is no different than any other money.


+1 ....
by midareff
Sat Apr 05, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do in this situation?
Replies: 9
Views: 647

Re: Three-fund portfolio returns and variance drain

Here are a few examples to illustrate the effect. A. You have $100 invested in something. The value goes up 10% one year, then down 10% the next year. How much is the investment worth? Answer: $99. You lost 1% of your original investment over the course of two years. Where did that extra dollar go?...
by midareff
Sat Apr 05, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Three-fund portfolio returns and variance drain
Replies: 39
Views: 2435

Re: International Bond Allocation?

I see bond funds, once you have balanced costs and duration, and the credit quality you want to hold, as making and seasoning a stew to taste. Take a core of .. for the sake of this post and in an IRA, investment grade IT corporates. Stir in some ST IG and HY in %'s you are comfortable with. Let's r...
by midareff
Sat Apr 05, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1638

Re: Investment amount instead of allocation percentage

I could see someone taking this approach: Keep things simple and invest in an 80/20 fund and every time it reaches, say $500,000, take $100,000 off the table and move it into TBM. Lather. Rinse. Repeat. I'm not sure *I* would ever do that, but - psychologically - it sets up an area of protected/saf...
by midareff
Sat Apr 05, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Investment amount instead of allocation percentage
Replies: 21
Views: 1520

Re: I accidentally discovered a coworkers salary... now what

Dutch wrote:Do not tell her anything.

Do ask for a raise.



+1 and ... about the raise, be thankful that 20+ years with the company is worth something. She has paid her dues, you haven't.
by midareff
Fri Apr 04, 2014 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5432

Re: Three-fund portfolio returns and variance drain

Thanks for posting this... I had been meaning to post a question about statistics that may be available for volatilities performance drag.
by midareff
Thu Apr 03, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Three-fund portfolio returns and variance drain
Replies: 39
Views: 2435

Re: Should I include my pension in my portfolio?

My wife has a company-paid cash balance pension plan and I have a defined benefit contribution plan. We'll likely switch jobs or retire early and "cash out" the pension plan instead of waiting to receive monthly payments. Cash out means lump sum payout. Lump sum payout means all of it is ...
by midareff
Thu Apr 03, 2014 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I include my pension in my portfolio?
Replies: 16
Views: 1439

Re: Does each 10% in bonds cost 0.5% in return?

I agree stock are more risky but what has happened over the last 20 years is that the demand for bonds has bid up their prices to yields that are not equal to those in the past. Right now the the Vanguard Total Bond Fund ETF is yielding 2.2%. Bonds will provide the preservation of capital on a nomi...
by midareff
Thu Apr 03, 2014 8:51 am
 
Forum: Investing - Theory, News & General
Topic: Does each 10% in bonds cost 0.5% in return?
Replies: 23
Views: 1916

Re: Pension Service Credit Purchase

2.3% per year is a large slice of increase and (I would guess) much larger than most except risk occupations such as police and fire. Since you said you would have 20-23 years after purchase I am assuming the purchase is 15% of your then current pay scale. Typically, retirement computations are done...
by midareff
Wed Apr 02, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Pension Service Credit Purchase
Replies: 6
Views: 340

Re: GPS with "favor interstates" option?

Nisi... I took a leap last year and ordered Navigation (GPS) with a new car.... my 65th B-Day treat. It does have several modes of route determination for speed, traffic, etc. I think there are four of those modes. If I leave a route inadvertently it re-plots and provides voice commands to get back ...
by midareff
Wed Apr 02, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1334

Re: Expensive hobbies and possessions? (B/c you can...)

Audio/Video gear...... although top notch equipment kept a decade + isn't that expensive. Rolex, waterfront condo, new Benz, international travel and pro level cameras and lenses. Guess I've got lots of hobbies.
by midareff
Tue Apr 01, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9185

Re: retirement income question

Curveball... I think you may have overlooked a couple of things. The first being the impact of rising interest rates on the dollar value of a bond fund, the second being the longer term impact of inflation. Three percent inflation over 15 years will erode roughly 45% of your purchasing power. The on...
by midareff
Tue Apr 01, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: retirement income question
Replies: 10
Views: 1216

Re: Bogle: Tilt To Corporates For More Yield

I totally agree with Bogle on emphasizing corporates over Treasuries in current bond portfolios. I own no Treasuries or TIPS at all, only corporates in my tax-advantaged accounts and either money market or munis in my taxable personal account. There is some increased repayment risk in investment gr...
by midareff
Tue Apr 01, 2014 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 60
Views: 5654

Re: Is The US Stock Market Rigged? ~ 60 Minutes March 30, 20

There are sharks in every set of waters and every investment field. I think of it as a supply of water coming down the pipes. There are leaks here and there and as long as I get my fair share of what comes out the end I'm OK. You will never stop all the leaks.
by midareff
Mon Mar 31, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: 60 Minutes 3-30-14: Michael Lewis book "Flash Boys"
Replies: 70
Views: 2497

Re: Defined Benefit vs. Defined Contribution

Looking at this simplistically .......................... Why would they offer you a "richer retirement" deal than the one you already have? One of the things you must consider is how well funded is the DB retirement plan you are presently in, and legislative changes already made or too be...
by midareff
Mon Mar 31, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit vs. Defined Contribution
Replies: 10
Views: 830

Re: New Friends are the Anti-Bogleheads, what to do?

memory not being what it was... it is either from Bobby Blue Bland or B.B. King .... I try to mind my own business, I leave other people's business alone.
by midareff
Sun Mar 30, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8402
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