Search found 3338 matches

by midareff
Fri Jul 03, 2015 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: How often should I check my accounts online?
Replies: 18
Views: 1177

Re: How often should I check my accounts online?

Before I retired I would take a few minutes Saturday AM with a cup of joe and go throughh stuff. It's pretty fast with a password manager. Retired maybe 2x a week before the online newspapers.
by midareff
Thu Jul 02, 2015 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 115
Views: 5350

Re: Obsessing towards zero balance on credit card.

All cards are cash back and set to auto-pay in full. Why bother with anything else?
by midareff
Sun Jun 28, 2015 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card 2X cash back
Replies: 21
Views: 2869

Re: Discover card 2X cash back

Thanks for posting, but it's too late I'm afraid. Website says "* New customers only" but I called and gave it a shot anyway, no dice. Me: "Hi, my friend who also has a Discover card told me he called and got 2x cashback for a period." Discover rep: "I'm sorry sir, that off...
by midareff
Sun Jun 28, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 13
Views: 1570

Re: Is your home owner insurance going up 27% this year?

Shopping around is the key. Call a few majors and try an insurance agent or two.
by midareff
Sun Jun 28, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2254

Re: Upgrading to Windows 10?

We have a Win 7, an 8 and an 8.1 computer here. All loaded with various photo software's and drivers for older specialty color printers. We made the decision to not fix what isn't broken and won't be upgrading any of them.
by midareff
Sun Jun 28, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 46
Views: 3469

Re: can you recommend comfortable walking shoes?

You MUST try Skeechers. Their loafers are the most comfortable walking shoe I've ever used.
by midareff
Sun Jun 28, 2015 9:41 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4147

Re: Smart phone data usage

Prepaid carriers let you use a smartphone with no data but post paid carriers do not. I think T-Mobile was the last hold out. I remember having a Blackberry Pearl with no data plan, Wi-Fi only. I switch to a prepaid carrier before they required data plans for smartphones. AT&T allows as well on...
by midareff
Sat Jun 27, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4436

Re: are these legit Vanguard reviews?

My experience at VG is very different. Accounts opened (after the first) on the phone without issues. Transfers from roll-over IRA's to bank back and forth no problems. They have handled ,my paperwork and electronic transactions without issue.
by midareff
Sat Jun 27, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4147

Re: Smart phone data usage

Prepaid carriers let you use a smartphone with no data but post paid carriers do not. I think T-Mobile was the last hold out. I remember having a Blackberry Pearl with no data plan, Wi-Fi only. I switch to a prepaid carrier before they required data plans for smartphones. AT&T allows as well on...
by midareff
Thu Jun 25, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 3331

Re: Annoying problem with Lollipop (new Android 5.1 OS)

While it's not a true software solution why not stop turning it off. Set to only allow calls from contacts from x PM to y AM so you aren't disturbed.
by midareff
Thu Jun 25, 2015 8:41 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 262
Views: 16909

Re: What ratio are you stocks/bonds and how old are you?

I'm 67, wife is 52. Presently at 49/49/2 equities/bonds/cash. My cola'd pension contributes 44% of our income, SS is 20% and the portfolio the remaining 36%. Pension and SS pay all normal expenses + some left over. Two comma portfolio at 3% pays for luxuries, foreign travel and the "finer"...
by midareff
Thu Jun 25, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: 10 year old car
Replies: 27
Views: 3021

Re: 10 year old car

I have a 10 year old Toyota Matrix with 120k miles- bought it 8 years ago. I plan to drive this car until I just can't drive it anymore, and I would likely pay for a major expense on the car if one occurred. I must admit that, although I've paid close attention to the mechanical needs of my car, I ...
by midareff
Thu Jun 25, 2015 8:04 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 66
Views: 6719

Re: Money arguments with spouse and how did you resolve

Having an argument with spouse over the need to send $3k to a cousin. Spouse insists that cousin is in cash crunch and will repay in 2 weeks or sooner. Apparently they are getting a bonus check next pay period and will be able to cover the $3k. I have been arguing that we don't want to be someone's...
by midareff
Wed Jun 24, 2015 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Grade vs Corporate bond fund
Replies: 8
Views: 718

Re: Investment Grade vs Corporate bond fund

They are different funds. VFIDX is actively managed, holds corporates, some government and a few other things as long as they are investment grade. It maintains a average duration in the 5.2 or 5.3 year range and has an SEC of 2.76%. It also has a $50K requirement for Admiral shares and is actively ...
by midareff
Wed Jun 24, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: I've got $80k burning a whole in my pocket, what should I do with it?
Replies: 21
Views: 2681

Re: I've got $80k burning a whole in my pocket, what should I do with it?

I had no idea there were dozens of medical schools in the Caribbean. I wonder if it's anything like the all the post graduate schools offering masters and doctoral degrees depending on your income? Without offense to the OP I recently had my eyes checked by a technician (in a licensed ophthalmologi...
by midareff
Wed Jun 24, 2015 1:46 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 6707

Re: Small Cap Index - What % of equities?

Similar approach used here... I slice equities evenly 6 ways between (using ETF symbols) VTI, VXUS, VSS, VBR, VNQ and VHT. Switching out VBR for the blend and either add or delete REITs and Health. I used to have VNQ and VHT as well. :beer I am still not completely sold on REIT's outperforming equi...
by midareff
Wed Jun 24, 2015 8:06 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 19763

Re: What was the 2008 crash like in real time?

Slow, agonizing and hard to find a place to hide from it. I remember Kashen being interviewed on TV the day it bottomed and shot up 400 points saying the trading floor had gotten dead quiet and everyone who was going to sell had sold. It was capitulation to him. I remember where I was then for that,...
by midareff
Wed Jun 24, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: I've got $80k burning a whole in my pocket, what should I do with it?
Replies: 21
Views: 2681

Re: I've got $80k burning a whole in my pocket, what should I do with it?

As this forum goes, I'm usually pretty far to one side when it comes to student loans. That is, at 4% or 5%, I'd consider paying them off more slowly than others would advise. At 6.9%, I gotta say you need to pay those off. Either the student loans or your mortgage. I can't warm up to borrowing $30...
by midareff
Wed Jun 24, 2015 7:58 am
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 6707

Re: Small Cap Index - What % of equities?

I say go big or go home if you're going to tilt make it worthwhile. Also consider tilting to value and/or small value 25% VTI 25% VXUS 25% VBR 25% VSS - - - Value Blend Growth Large - -13 - 13 -12 Medium 13 - 11 - 9 Small -- 14 - 10 - 5 http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry...
by midareff
Tue Jun 23, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7894

Re: Best "All Around Lens" for Nikon DSLRs?

The 200-300 zoom range lens is pretty excessive for an all-around lens as well. At that level of zoom, you're sacrificing a lot of sharpness, and also really should be considering using a tripod for stability. I'd actually say the same for the 18-200, having bought that first myself and realizing n...
by midareff
Tue Jun 23, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 132
Views: 8535

Re: Convince me not to buy Porsche

I'm quoting from Taylor Larimore, because this has been instrumental in my personal financial life. Bogleheads: Automobiles are used primarily to get us from point A to point B. Every car sold in America will do that job. Some do it with more comfort or luxury than others, but the cost is higher th...
by midareff
Mon Jun 22, 2015 7:49 am
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 13440

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

Perhaps it is because more of the bogleheads scale older than the ones on the other forum. You might find that the majority of the boglheads tried some of these get rich quick schemes and got creamed. Like the saying goes, bulls make money, bears make money, but pigs get slaughtered. Also, part of ...
by midareff
Mon Jun 22, 2015 7:25 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7894

Re: Best "All Around Lens" for Nikon DSLRs?

The 200-300 zoom range lens is pretty excessive for an all-around lens as well. At that level of zoom, you're sacrificing a lot of sharpness, and also really should be considering using a tripod for stability. I'd actually say the same for the 18-200, having bought that first myself and realizing n...
by midareff
Mon Jun 22, 2015 7:19 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 71
Views: 9584

Re: South Florida Local Chapter

Aventura area.
by midareff
Sun Jun 21, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7894

Re: Best "All Around Lens" for Nikon DSLRs?

The 200-300 zoom range lens is pretty excessive for an all-around lens as well. At that level of zoom, you're sacrificing a lot of sharpness, and also really should be considering using a tripod for stability. I'd actually say the same for the 18-200, having bought that first myself and realizing n...
by midareff
Sun Jun 21, 2015 7:42 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7894

Re: Best "All Around Lens" for Nikon DSLRs?

The best one lens for Nikon, Canon, Fuji, Oly, etc., would be in the an 18-200 range which both Canon and Nikon have. Fuji has an 18-135 for that area. On APS-C, which it seems you are using, it covers an effective Full Frame equivalent range of 28 to 300 or so mm. It is the best one lens solution ...
by midareff
Sat Jun 20, 2015 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate Bonds vs. Treasuries
Replies: 21
Views: 1937

Re: Corporate Bonds vs. Treasuries

Keeping duration constant, which bonds are most likely to suffer the larger price drop if the Fed raises interest rates - corporates or Treasuries. Answer - both will perform exactly the same when interest rate change if you hold duration constant by definition . Corporates act differently from tre...
by midareff
Sat Jun 20, 2015 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate Bonds vs. Treasuries
Replies: 21
Views: 1937

Re: Corporate Bonds vs. Treasuries

LOL, ogd... I guess you never tried to sell bruised apples. No, but I've eaten plenty. There's no comparison with the aftermath of an egg accident. I guess we have another difference, I don't eat either. Completely agree until we get to corporates. If you know of a fund with a low, low ER, holding ...
by midareff
Sat Jun 20, 2015 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate Bonds vs. Treasuries
Replies: 21
Views: 1937

Re: Corporate Bonds vs. Treasuries

Keeping duration constant, which bonds are most likely to suffer the larger price drop if the Fed raises interest rates - corporates or Treasuries. Treasuries. LOL, here's a guy who has figured it out. Theoretical recovery rate is much higher when the SEC/year of duration is higher. If duration is ...
by midareff
Sat Jun 20, 2015 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate Bonds vs. Treasuries
Replies: 21
Views: 1937

Re: Corporate Bonds vs. Treasuries

There is much to be said for not having all your apples in one basket , but if that is a requirement the greater the diversification of that fund the better off you should be. A widely diversified fund such as Total Bond Market may suit you although it could be said it under-weights corporates, doe...
by midareff
Sat Jun 20, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: The "4% Rule" revisited
Replies: 102
Views: 13285

Re: The "4% Rule" revisited

Great post Ron and I agree that Fidelity's Retirement Tool is excellent. Unfortunately, that's where we are going to have divergent opinions. I'm also 67 and near 3.5 years retired now. Investors have been experiencing what is the 4th longest running bull market in history, nearing 6.5 years now. I...
by midareff
Sat Jun 20, 2015 12:47 pm
Forum: Investing - Theory, News & General
Topic: The "4% Rule" revisited
Replies: 102
Views: 13285

Re: The "4% Rule" revisited

Great post Ron and I agree that Fidelity's Retirement Tool is excellent. Unfortunately, that's where we are going to have divergent opinions. I'm also 67 and near 3.5 years retired now. Investors have been experiencing what is the 4th longest running bull market in history, nearing 6.5 years now. I...
by midareff
Sat Jun 20, 2015 10:26 am
Forum: Investing - Help with Personal Investments
Topic: What to do with cash
Replies: 19
Views: 2483

Re: What to do with cash

FelixTheCat wrote:Ally Bank for cash.



+1
by midareff
Sat Jun 20, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: Norton Anti-Virus
Replies: 12
Views: 1806

Re: Norton Anti-Virus

I used Windows Defender and AVG Free for years. I stopped using Defender and replaced it with Malwarebytes Free then realized the free versions are not real time and don't necessarily auto update. I'd rather have a problem blocked before it becomes an issue found in a scan, whether it is malware, vi...
by midareff
Sat Jun 20, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Stock bubble, bond bubble - I'm worried!
Replies: 16
Views: 2438

Re: Stock bubble, bond bubble - I'm worried!

Every day I hear nothing but chatter about a bond bubble or a stock bubble. Some commentators say it will be worse than 2008-9. I have a 40/60 S and D allocation. I know I supposed to hang on for the long run ( I'm 75.), but I'm not sure I can take another crash in the markets. What can I do? Fillo...
by midareff
Sat Jun 20, 2015 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Corporate Bonds vs. Treasuries
Replies: 21
Views: 1937

Re: Corporate Bonds vs. Treasuries

There is going to be a relationship between the risk of the fixed income asset, it's duration and it's return. There is also a relationship between how the asset class will perform in varying market conditions. In black swan market events treasuries tend to rise, fixed income funds with large amount...
by midareff
Sat Jun 20, 2015 7:55 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9775

Re: Free Windows 10 Upgrade, Yes or No?

Unless you enjoy new operating systems or until there is a program you want that requires a new operating system it's generally best to stay with what works for you. "If it ain't broke don't fix it". Amen... + are you sure all your peripherals, monitor, external drives, printers, etc., ha...
by midareff
Sat Jun 20, 2015 7:46 am
Forum: Investing - Theory, News & General
Topic: The "4% Rule" revisited
Replies: 102
Views: 13285

Re: The "4% Rule" revisited

Not to beat a dead horse, but this is assuming someone is retiring at normal retirement age (65) with a 30-year horizon. We would lower the percentage for someone considering an early (let's say age 55) retirement - I've seen quotes of lowering the percentage from 4 to 3.4 in this particular case I...
by midareff
Fri Jun 19, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7894

Re: Best "All Around Lens" for Nikon DSLRs?

The best one lens for Nikon, Canon, Fuji, Oly, etc., would be in the an 18-200 range which both Canon and Nikon have. Fuji has an 18-135 for that area. On APS-C, which it seems you are using, it covers an effective Full Frame equivalent range of 28 to 300 or so mm. It is the best one lens solution t...
by midareff
Thu Jun 18, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 81
Views: 11449

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

I had developed a detailed plan in excel more than a dozen years in advance of my retirement, which was 4/2012. It included savings goals for deferred compensation, accumulation in a deferred retirement option plan, taxable space and a Roth IRA. It included projections for SS and my state pension. T...
by midareff
Wed Jun 17, 2015 4:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 71
Views: 9584

Re:

FredCouples wrote:I'm in Miami and would love to attend.



Ditto
by midareff
Wed Jun 17, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Southwest Credit Card-Atlanta Travel
Replies: 20
Views: 1475

Re: Southwest Credit Card-Atlanta Travel

Recently took the AX Delta Card which offered a $50 rebate and free 1st checked bag, priority boarding and seat selection with an October Atlanta trip in mind. No foreign transaction which will also be useful for a trip this summer.
by midareff
Wed Jun 17, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Is this right - Fidelity refusing to release my money until I visit their branch?
Replies: 23
Views: 3306

Re: Is this right - Fidelity refusing to release my money until I visit their branch?

Similar... want to put a newer wife on an older Roth and insist it is done in person or with a medallion guarantee. The drive for the medallion is as far as their office so it will be in person.
by midareff
Tue Jun 16, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 54
Views: 8467

Re: Longtime Insurance Customers Get Ripped

I was a long time Liberty Mutual customer and decided to shop when I retired and was getting ready to order a new car. They wanted to bump about 40% going from a 9 year old Jeep to a MB. I shopped it at the Hartford and State Farm and both were about 40% less than the Jeep policy. I called Liberty a...
by midareff
Tue Jun 16, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 44
Views: 3541

Re: Travel insurance - worth it?

Medical evacuation and repatriation is the key for me and especially my wife. We booked a trip to Europe and she needs a Schengen Visa since she is on a Thai Passport and US Green Card. If you can't prove repatriation insurance in the mount of $50K Euros or more no visa. I have to look at it as a co...
by midareff
Tue Jun 16, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12577

Re: LastPass.com Breach

you can't read the Bogleheads in your dental office because you can't possibly remember a password like the one I produced above. Of course you can. I read them all the time without logging in. Touché! Victoria While we all like security, a password for Bogleheads and a password for Vanguard have v...
by midareff
Tue Jun 16, 2015 8:18 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12577

Re: LastPass.com Breach

This is why I never store important passwords on the cloud based password manager. I don't care how many times it's been hashed, salted or peppered. There's always a chance for a breach, brute force, man-in-the-middle, or a number of other things that could go wrong. There are programs that store t...
by midareff
Tue Jun 16, 2015 8:10 am
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6079

Re: Small Cap (Value) Tilt vs. Market Weight

You might want to try benchmarking yourself. That way you can select any benchmark you like for comparison rather than just hanging around to criticize others. I think you will find not doing it your way doesn't make it wrong. I prefer to benchmark against GREK. U B da new supa star manager. :oops:...
by midareff
Mon Jun 15, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: Small Cap (Value) Tilt vs. Market Weight
Replies: 52
Views: 6079

Re: Small Cap (Value) Tilt vs. Market Weight

You might want to try benchmarking yourself. That way you can select any benchmark you like for comparison rather than just hanging around to criticize others. I think you will find not doing it your way doesn't make it wrong. I prefer to benchmark against GREK. U B da new supa star manager. :oops:
by midareff
Mon Jun 15, 2015 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for a conservative early retiree
Replies: 12
Views: 1688

Re: Portfolio for a conservative early retiree

I agree with Taylor on equity side percentages but each individuals tolerance for risk is different. 95% IT Treasuries merits a second look IMO. Current yield is about 1.6% which is easily exceeded by 5 year FDIC insured CD's, which do not have interest rate risk. You might consider a mix of TIPS, T...

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