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Re: Diversification among Bonds?

As Taylor Larimore is fond of saying, "there are many roads to Dublin". You have a good grasp of the bond investment universe. However, most investors would probably not really benefit from owning municipal bonds unless the munis were held in the investor's taxable account and the investo...
by midareff
Sat Nov 22, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Diversification among Bonds?
Replies: 32
Views: 2713

Re: Rick Ferri 60/40 portfolio

My guess is that you read an older copy of his Asset Allocation book. Back then EAFE and were separate funds for instance. Now days, Vanguard and others have combined things to make things much simpler. So for instance, a nearly identical portfolio today on the equity side might simply be: 30% VTSA...
by midareff
Fri Nov 21, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri 60/40 portfolio
Replies: 18
Views: 4211

Re: smartphone over wifi - still possible?

My latest AT&T contract ends this month, and I'd like to switch from a dumb phone with no data to a smartphone, but I don't want to pay for data. I have heard that it was once possible to use a smartphone with wifi, to surf the net and check email, but then thought I saw that the carriers were ...
by midareff
Fri Nov 21, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 29
Views: 1944

Re: What doyou splurge on?

rob wrote:Photography & Travel


+1 and add home audio and video.
by midareff
Fri Nov 21, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you splurge on?
Replies: 104
Views: 5025

Re: What financial tools/software do you use?

Occasion pen and paper. Excel for 99% and the Fido retirement planner maybe once a year.
by midareff
Thu Nov 20, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 2209

Re: Outperforming the Indexes

How about writing some software to tell us which of these will outperform in ADVANCE.. :-)
by midareff
Thu Nov 20, 2014 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Outperforming the Indexes
Replies: 13
Views: 1875

Re: Selecting Charities for Donation

Operation Smile..... we donate in place of birthday gifts to each other.
by midareff
Thu Nov 20, 2014 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 53
Views: 2854

Re: Another bond fund question do I need short term in my 40

"We are 47/49 years old and don't plan on using out retirement funds for 15 years and then as typical the retirement could last 30 years (+\-) so to me that seems like retirement money is long term and not sure I see what the benefit of short term bonds are, unless it has something to do with b...
by midareff
Wed Nov 19, 2014 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another bond fund question do I need short term in my 401k?
Replies: 7
Views: 471

Re: Cost to furnish a condo

and that 84" 4K Sony TV was how much? Crate and Barrel or vintage Scandinavian Teak and Italian leather?
by midareff
Wed Nov 19, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 2659

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Remember, Jack set up Vanguard with the investors as the owners. And he freely advises investors to own the market and hold forever vs trying to outsmart the market, as with DFA and tilting. And, following Jack's advice vs a DFA advisor's (which Paul recommended at the end of his broadcast), there ...
by midareff
Wed Nov 19, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 84
Views: 7429

Re: I may not make my retirement goals! What to do?

IMHO the Fidelity calculator is the most detailed and best by far. Again, without knowing the other 73% I would have to float the concept you are too light on equities at this point in retirement. Why don't you retry the Fidelity calculator at 35%, 40%, 45% and 50% and print the results so you can ...
by midareff
Wed Nov 19, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3338

Re: Custom House in Florida

You might want to give additional consideration to heating ability in central Florida ... it can get quite chilly and downright cold many winter nights. As another posted advised....... glass exposure placement will be extremely important. Lot's of west facing glass in Florida will be extremely cost...
by midareff
Wed Nov 19, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Custom House in Florida
Replies: 11
Views: 1915

Re: Poll: Net cost of your checking account annually?

Ally checking and MM (can write checks against it) provide in the $200 + range annually. FDIC insured and my first line of "what if" money, a year's retired portfolio draw.
by midareff
Wed Nov 19, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2235

Re: Jack Bogle: expect 7% annualized for the foreseeable fut

Play football... take what the market gives you and don't chase return in equities or FI. If you want to slice and dice with a bit of SCV, REITS or such fine, but remember the old adage: Bulls will make money, bears will make money... it is the destiny of a pig to go to slaughter. Personally I'll ta...
by midareff
Wed Nov 19, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: expect 7% annualized for the foreseeable future
Replies: 42
Views: 6003

Re: I may not make my retirement goals! What to do?

Was looking around how these artificially low rates are particularly hard on retirees who desire to have low risk but rely on return from bonds to live. http://www.businessweek.com/articles/2012-12-20/interest-rates-near-zero-put-savers-in-a-bind .... just wait until interest rates start climbing t...
by midareff
Wed Nov 19, 2014 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3338

Re: I may not make my retirement goals! What to do?

I am 66 and retired. Using the different forecasting tools, Fidelity's, Firecalc, Otar's, etc., they indicate that I am borderline in meeting my goals in retirement although my current annual expenditures to total liquid assets ratio is 3.6 (surprise!!). It appears that the issue revolves around my...
by midareff
Wed Nov 19, 2014 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3338

Re: Investment Critique, unclear long term goals

#1.... "even though I love the company so much". Love and investing are from different planets, investing isn't emotional other than the love you will eventually have for retirement. "After that, unclear of what I am going to do with the proceeds." The factor having the greatest ...
by midareff
Mon Nov 17, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Critique, unclear long term goals
Replies: 4
Views: 562

Re: How often do you go out to dinner?

I indicated 3 but it's probably more a good bit more often than that if you count breakfasts and lunches. We are retired and it's not a budget or $$ constraint. The rest 9of the time my wife (Thai) loves to cook and we have a seafood and veggie heavy home diet.
by midareff
Mon Nov 17, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 4538

Re: Deciding When to Retire

"If I had the type of job where I could go part-time or really take the extensive leave that I have, I would not be thinking about retiring now. One of my issues is that I'm tired of vacations where I spend hours on my cell phone dealing with work crises. My employer might agree to me going par...
by midareff
Mon Nov 17, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 4960

Re: When do your account returns dwarf your contributions?

It's a sort of seasonal ... being the season of the market and your season of life, kind of thing. Keeping things realistic, a "new" investor has higher % returns due to youth and aggressive portfolios. Moving to the middle years your portfolio has grown, you have gotten more conservative,...
by midareff
Mon Nov 17, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 5693

Re: Advice Needed: Unique Situation At workplace

My own personal experience is that good employees outlast bad managers. Managers are a dime a dozen and move on at a great rate. The other advice I have gleaned is that if you can't stand a bad manager the only real choice is to find a way to move. You might even be surprised how often the places y...
by midareff
Mon Nov 17, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Unique Situation At workplace
Replies: 28
Views: 3834

Re: Deciding When to Retire

I retired @ 64 having achieved my floor + a cushion. Another three years of bull run have left me more than comfortable. Had the market gone the other way I might feel very differently. I had worked 46 years, since I was 18. My exit strategy was cast in concrete several years before I retired. In th...
by midareff
Sat Nov 15, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 4960

Re: "Downgrading" to a Porsche

After two years, I'm very happy with the car. It made the commute MUCH more comfortable and the car, surprisingly, has had no issues and been very cheap to maintain. Just keep the car. Having had a 98 Boxster and a 2000 Boxster S there is some advice I would offer. DO NOT DO IT! If you want to keep...
by midareff
Sat Nov 15, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: "Downgrading" to a Porsche
Replies: 39
Views: 6138

Re: Who is mailing Holiday Cards this year?

Igenerally send back to the few family and close friends that do. A box of a dozen generally has a few left over. Not a big deal.
by midareff
Fri Nov 14, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3102

Re: Does anyone here make "fun" purchases.

You are decorating your home and can afford the expense so order them. There ismore to life than save every penny. I made lots of fun purchases and toys ... after the years savings goal was in hand. Made lots of experience buy too ... same prerequisite.
by midareff
Fri Nov 14, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6357

Re: Vacation in Quebec City

I have visited Quebec City several times and loved it. Great food, interesting area, .... BUT, 3 or 4 days would be enough to see the sights and I would not consider late fall, or winter through middle spring.
by midareff
Thu Nov 13, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Vacation in Quebec City
Replies: 18
Views: 1190

Re: Help! Need Liquid Cash!

Find a credit card company offering no fee transfers and zero interest for whatever period and transfer the balance on the cards. That will buy you enough time to get your bonuses, etc.
by midareff
Thu Nov 13, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2414

Re: Obligation to Parents?

Live by the sword, die by the sword. Are they living paycheck to paycheck because they have low income or because they choose to live a lifestyle above their income? If the former I would help if needed as part of the siblings helping. If the later... well, living in a small apartment on social secu...
by midareff
Thu Nov 13, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 3675

Re: How Do You Use the VIX (Fear & Greed Index)?

Not at all................. just don't follow that stuff. I'm retired, my AA is suitable for my need, ability and willingness to take risk, and I look less and less frequently as almost everything is on auto-pilot from dividends to Ally, auto-withdraw, etc. Not, let's more on to more important thing...
by midareff
Thu Nov 13, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: How Do You Use the VIX (Fear & Greed Index)?
Replies: 15
Views: 1094

Re: 30% In International Stocks?

I wholeheartedly agree that "past performance is not a guarantee of future returns". As it is, U.S. stocks are currently going through the roof whereas International stocks aren't doing so well. This coupled with the fact that in the next decade International stocks are projected to be do...
by midareff
Wed Nov 12, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 54
Views: 4678

Re: Double Cash Credit Card from CITI

How many cards do you keep in your wallet? Are you opening new accounts just to capture the difference between say a 1.5% card and a 2% card? I keep 4.. AMEX Blue Preferred for 6% on groceries, my PenFed 5% gas card, FIDO 2% AMEX and yes, added a 2% Citi MC and retired the 1.5% FIDO Visa. Everythin...
by midareff
Wed Nov 12, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 13
Views: 1443

Re: Double Cash Credit Card from CITI

Great pairing with the 6% AMEX Grocery Card, PenFed 5% gas card and Fido's 2% AMEX
by midareff
Wed Nov 12, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 13
Views: 1443

Re: Savings rate of -2% for those under 35 - WSJ

Life with a champagne taste and beer budget will always get you in debt. Debt is what you do to yourself by living outside your means. Savings is what you get through dedication, living within your means and not trying to have a better lifestyle than you earn. If you want to earn more work longer ho...
by midareff
Tue Nov 11, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4144

Re: Question on using VTMFX vs VWIUX/VTSAX for a 50/50 Bucke

VTMFX holds Federal Home Loan Bank Discount notes and Freddie Mac Discount notes as it's "bond" holdings and slightly over 800 stocks in a roughly 48/52 AA. I believe, subject to correction by others who may be more knowledgeable, that these notes are Federally Guaranteed, but behave like ...
by midareff
Tue Nov 11, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on using VTMFX vs VWIUX/VTSAX for a 50/50 Bucket
Replies: 6
Views: 464

Re: New car purchase- "documentation fee" and "registration

Nowadays I think folks negotiate the OTD price (the out-the-door price) which includes everything including taxes and the tank of gas. In that sense they could sell the car for $1,000 and charge you $12,000 in documentation fees and it wouldn't matter. Indeed, if you use the term OTD (oh-tee-dee), ...
by midareff
Tue Nov 11, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2558

Re: USAA Cashback Rewards+ AMEX?

I like rewards. I hate games. So I won't be using this card. I've got Pen Fed 5% gas applied directly to the month's statement. SAME I've got Fidelity AMEX 2% put directly into a Fidelity account- I find it annoying that it isn't applied to the card. SAME, but it's only a couple of clicks to move i...
by midareff
Mon Nov 10, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA Cashback Rewards+ AMEX?
Replies: 7
Views: 949

Re: Best Investments for a ROTH IRA

I use my Roth as a play account as it is about 3% of my total portfolio. Being able to "play" there helps me leave the real portfolio alone, except for an occasional as needed rebalance. I (presently) hold all health care and pharma in my Roth although I have held the extended market index...
by midareff
Mon Nov 10, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Best Investments for a ROTH IRA
Replies: 7
Views: 964

Re: Is "comfortable confidence" in secure retirement possibl

Fidelity has an excellent retirement planner/calculator you might try. It is quite detailed.
by midareff
Mon Nov 10, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Is "comfortable confidence" in secure retirement possible?
Replies: 23
Views: 3157

Re: 1276% toll admin fee from Dollar. 86% of rental cost

It's a scam and there have been many lawsuits. Clark Howard just wrote about this. Unfortunately he doesn't make it clear how to recover after the fact. You may have to sue. http://www.clarkhoward.com/news/clarkhoward/cars/how-avoid-paying-25-1-toll/nhgPt/ How will you sue when you have been charge...
by midareff
Mon Nov 10, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7067

Re: War on Debt

(Twice previously, you wrote that she cried and essentially threw a tantrum upon the mere mention of budgeting. For your sake, I hope that you were exaggerating, or that there were some extenuating circumstances, because that just doesn't sound very normal/stable for an adult.) (Edited: On second t...
by midareff
Mon Nov 10, 2014 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 25458

Re: War on Debt

Techno?........ ask your wife to read this three page thread. See how that goes when she reads lots of smart opinions on the situation.
by midareff
Sun Nov 09, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 25458

Re: Great camera to take pics?

There are lots of "great" cameras out there. I've used everything from professional full frame Canon's to pocket size point and shoots. Since you have not said what you want to use the camera for it's hard to make a recommendation based on anything other than size and weight. You seem to i...
by midareff
Sun Nov 09, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 4522

Re: Travelling Companions or small groups

I've reached an interesting position where my friends and family members don't have as many resources to travel as I do..in some cases, I can foot the bill for another or other(s) (like my kids)...in other cases, my tastes in travel run farther, wider and deeper than theirs. Looks like I need to fi...
by midareff
Sun Nov 09, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Travelling Companions or small groups
Replies: 32
Views: 2399

Re: asset allocation question - reason to go > Age in bonds

If you set up an LMP, you can come out with quite a different answer than age in bonds. I am not sure an LMP is really an asset allocation at all as it is set to an income stream. It is actually the exact opposite if capitalizing an income stream. An irony is that either method seems to result in t...
by midareff
Sun Nov 09, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation question - reason to go > Age in bonds
Replies: 22
Views: 2294

Re: 1276% toll admin fee from Dollar. 86% of rental cost

Dollar has no way of knowing the toll wasn't paid until they get a bill from the toll authority. This is probably true, if there was no toll tag in the car. That bill includes the $15 admin fee because madbrain's husband never paid the toll. Absolutely not. These are completely different fees. My h...
by midareff
Sun Nov 09, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7067

Re: asset allocation question - reason to go > Age in bonds

There are lots of reasons to not be age in bonds just as there are reasons to be. One size does not fit all. You need, ability and willingness to take risk is primary, as is will you still sleep at night if the market's black swans fly in? I'm 66, retired with roughly 3% cash, 52% short and intermed...
by midareff
Sun Nov 09, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation question - reason to go > Age in bonds
Replies: 22
Views: 2294

Re: War on Debt

I think some of you are too hung up on the student loans. My concern is the consumer debt. Once that is tackled, then the other debt can be addressed. We both have pensions and I saved up a sizable nest egg for retirement. So that is the least of my concern right now. I sort of agree techno. I see ...
by midareff
Sun Nov 09, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 25458

Re: War on Debt

I feel for U techno.. tough situation with a baby coming. I think you are getting ripped on your cable.. I pay $112 and that covers HBO, SHO, TMC, CIN, expanded basic, two HD boxes and upgraded internet. There has to be some savings available there. Your gasoline bill is at a level that does not jus...
by midareff
Sat Nov 08, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 25458

Re: Merc or BMW?

Have a 2013 C350 Benz. Lots of electronic toys on it and ZERO issuez in 2 years of use. Best car I ever had including many Japs and other Germans.
by midareff
Fri Nov 07, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 6323

Re: I'm Scared! Vanguard Target Retirement 2015 - What to d

Keep what you have and the way you have it.. 60K in an Ally Savings Account 27K per year from a company pension plan (or 370K lump sum) 22K per year from Social Security 350K in my Vanguard Target 2015 Retirement Account I'm going to agree completely with Joe8d. I retired 2.5 years ago (age 64) wit...
by midareff
Fri Nov 07, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm Scared! Vanguard Target Retirement 2015 - What to do!
Replies: 39
Views: 7216
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