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Re: Selling on eBay with local pickup using PayPal - Dangero

An old fashioned paper bill of sale with signatures from both you and the buyer would be a sufficient deterrent, I would think. +1... and for paranoia you could add a snap of Mr. Buyer standing next to his new speakers. I'd definitely get a scan of his drivers license so you can verify it is the bu...
by midareff
Sat Apr 25, 2015 11:32 am
 
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 21
Views: 1240

Re: Another Florida Keys question

We are flying direct to Key West from ATL. Should we bother renting a car in KW or is it fairly easy to get around? If you are walkers getting almost anywhere in KW is pretty easy. We have been three or four times in the last few years and can walk everywhere from the Old Fort to the fishing piers ...
by midareff
Sat Apr 25, 2015 11:26 am
 
Forum: Personal Consumer Issues
Topic: Another Florida Keys question
Replies: 17
Views: 2248

Re: Who still have Cable TV?

Who still have Cable TV? $100 bucks a month. What a waste. Can't agree .... we have HD service with HBO, SHO, CMAX and TMC and probably 130 other stations. When I was working it was standard service, retired now we watch lots of things on cable and it's easily affordable so it doesn't mean much to ...
by midareff
Fri Apr 24, 2015 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 2715

Re: My PC is driving me nuts.

There are a few steps that will help immensely. First, install a little $5 program called Start8 by Stardock. It puts the start menu with all the things we loved about it back and boots you directly to the desktop. Next, I would download and install both AVG Free anti-virus (it's free) and Malwareby...
by midareff
Fri Apr 24, 2015 4:42 pm
 
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 1769

Re: Do you Bogleheads really follow the 3-4% SWR rule?

So, as I understand the SWR rule, you withdraw some nominal amount, 3 or 4% in the first year of retirement and adjust thereafter for inflation, regardless of what happens in the market. But, do you Bogleheads who are doing this actually stick to it, year in and year out? Or, when the stock market ...
by midareff
Thu Apr 23, 2015 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Do you Bogleheads really follow the 3-4% SWR rule?
Replies: 47
Views: 3714

Re: Coming to terms with low risk tolerance

People tend to forget that in 2008, we didn't know that the market would recover - and it may not have. That's an important point. A lot of people here have said they're 100% in stocks and they're comfortable with it because they rode out 2008-09 just fine. But if the market had dropped from 666 to...
by midareff
Thu Apr 23, 2015 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coming to terms with low risk tolerance
Replies: 46
Views: 3451

Re: cleaning plastic eyeglass lenses

I use straight anti-bacterial liquid soup on fingertips + running water. I use a camera lens micro fiber cloth to dry. An alternative would be camera lens cleaning fluid + the camera lens micro fiber cloth to dry. I have been using the former on glasses and later on lenses for years.
by midareff
Thu Apr 23, 2015 4:06 pm
 
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1439

Re: Age in Bonds Poll

67 y/o and roughly 50/50 for lack of a compelling argument in either direction.
by midareff
Thu Apr 23, 2015 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 3639

Re: Drive a local car, rent for trips ?

I seem to be drawing the line around 6 hours driving. Anything past that its fly and rent.
by midareff
Thu Apr 23, 2015 11:49 am
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 2889

Re: How much do you pay in Property Taxes?

First year here (11 years ago) it was about $6K, then came the condo implosion in Miami. Tax was cut to about $3300. Property tax programs here have a maximum 3% annual raise so it's up to about $3600 a year now taking advantage of the 4% November discount.
by midareff
Thu Apr 23, 2015 7:34 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 180
Views: 8782

Re: Neighbor is hoarder, piling garbage outside, collecting

jtravisdavid wrote:Make a call to the code division of your city. I imagine they are violating a dozen requirements.



+1
by midareff
Wed Apr 22, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: Neighbor is hoarder, piling garbage outside, collecting vans
Replies: 32
Views: 4706

Re: "How much of your portfolio is in index funds, and why?"

About 75% indexed. Equity side all except Health Care. FI side all except munis.
by midareff
Wed Apr 22, 2015 9:16 am
 
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 62
Views: 5450

Re: Wife would like employment advice from the Bogleheads

VA offers the Federal Employees' Retirement System (FERS). This is a three-part retirement package that also includes the FERS basic annuity, Social Security and the Thrift Saving Plan. Looking back some 32+ years winding up with a job providing a government pension is the smartest move I never even...
by midareff
Wed Apr 22, 2015 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife would like employment advice from the Bogleheads
Replies: 31
Views: 2962

Re: Cash as an asset class?

I too track cash as a separate asset class and cap it at 4%. I'm retired and draw monthly from Limited Term Munis, which are in turn fed by rebalancing from equities and IT Tax-Ex. If/when it gets over 4% I simply put it back in. Edit Note: As a retiree this is the funding I use for international tr...
by midareff
Wed Apr 22, 2015 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash as an asset class?
Replies: 35
Views: 2747

Re: Retirees: What is your SWR in retirement?

This informal poll is to see if the suggested rule of 3% annual withdrawal rate in retirement being tossed about is too aggressive. Aggressive defined as postponing current consumption in favor of extending portfolio life in retirement. Assuming one has no pension or employer provided annuity and i...
by midareff
Tue Apr 21, 2015 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: What is your SWR in retirement?
Replies: 45
Views: 3950

Re: What's Up With Vanguard Muni Fund Duration

With the relatively large difference in the average maturity (15.9 vs. 8.7) to compare to average duration of 5.9 vs. 4.8, I too am interested in hearing from those who have some expertise in this area.
by midareff
Tue Apr 21, 2015 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's Up With Vanguard Muni Fund Duration
Replies: 5
Views: 571

Re: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies

Quote Aptenodytes: "4) The people in between groups 2 and 3 (like me) are left with pretty skimpy guidance on how best to plan, and I think we are a sizable group. We are told that we should self-insure for long-term care, because the cost-benefit calculus doesn't favor buying insurance in our...
by midareff
Tue Apr 21, 2015 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies
Replies: 13
Views: 1698

Re: Can't get excited about bond funds

I'm past 60 and have finally invested in a Vanguard index bond fund. I know bond funds are supposed to make up a certain percentage of your portfolio based on age and risk but am having a hard time getting excited or perhaps I should say 'on board' with bond funds. If you want safety in a portfolio...
by midareff
Tue Apr 21, 2015 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Can't get excited about bond funds
Replies: 19
Views: 1532

Re: MB vs Volvo vs. Other?

I do like the idea of the mb due to the diesel. Anyone have any opinion as to the longevity of diesel compared to gas engines? 10+ years for either will be no issue unless your annual mileage is unreasonable. Just follow the maintenance schedule. As a general rule diesels live longer than gas. My M...
by midareff
Tue Apr 21, 2015 10:46 am
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3263

Re: MB vs Volvo vs. Other?

Toons wrote:Mercedes is in a class of its own :happy


+1 best vehicle I ever owned by far.
by midareff
Tue Apr 21, 2015 10:42 am
 
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 3263

Re: Dealing with tourists taking photos. Etiquette question

As someone into photography, I politely wait until the coast is clear before taking my picture so not to inconvenience anyone. I try to take pictures without people anyway so it suits my purpose. I also understand people have places to go and a time to get there so if they walk through, that is my ...
by midareff
Tue Apr 21, 2015 10:40 am
 
Forum: Personal Consumer Issues
Topic: Dealing with tourists taking photos. Etiquette question.
Replies: 34
Views: 3703

Re: Paying for GFs school - any way to help myself?

You shouldn't be surprised at the feedback. So you are committed enough to pay for her education, but not committed enough to marry her? Seems inconsistent. +1 AND since " I would like to give her a great wedding, and will hold off until I can appropriately do that and step away from work for ...
by midareff
Mon Apr 20, 2015 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4649

Re: What Guaranteed Return Would You Require to Move All Ass

So let's say hypothetically there is a fund with a 100% guarantee to return exactly X% every year for the next 25 years. If you are to buy this fund, you are required to liquidate your entire portfolio and move all your invested capital into the fund. What is the lowest X (annual return) that you w...
by midareff
Mon Apr 20, 2015 7:58 am
 
Forum: Investing - Theory, News & General
Topic: What Guaranteed Return Would You Require to Move All Assets
Replies: 54
Views: 3153

Re: Overinflating Tires

Any advice on a good tire pressure gauge? yup.... http://www.amazon.com/Joes-Racing-32306-Pressure-Gauge/dp/B000VZ9CKS/ref=sr_1_sc_3?ie=UTF8&qid=1429532507&tag=bogleheads.org-20&sr=8-3-spell&keywords=air+gauge+s+acing BTW.. some vehicles come with more than one tire pressure setting...
by midareff
Mon Apr 20, 2015 7:22 am
 
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2776

Re: Car advice needed

We have two cars: 2004 Honda Civic and 1999 Subaru outback wagon. Both were bought new. The Subaru now needs costly engine repairs (around $3000) or needs to be junked. My husband drives the Civic, my kids drive the Subaru. As you may have guessed, we hate the whole car buying process and get weird...
by midareff
Sun Apr 19, 2015 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Car advice needed
Replies: 18
Views: 2441

Re: Temporal autocorrelation of stock/fund prices and moveme

lack_ey wrote:That said, I have not seen the analysis myself or any good threads or papers to point to. Others may know better. You may want to check on some analyses of rebalancing; some have searched for an optimal period of time between rebalancing from this perspective, to avoid increasing the l...
by midareff
Sun Apr 19, 2015 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Temporal autocorrelation of stock/fund prices and movement
Replies: 30
Views: 1386

Re: Real Estate Showing Agreement: Who Represents ME?

You aren't missing anything. You are paying them to show up to show the residence and advertise it, be it internet or other advertising. I would never buy or sell without a buyer's or seller's agent agreement wherein they work for you. Keep in mind your present agent does not work for you and is no...
by midareff
Sun Apr 19, 2015 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Showing Agreement: Who Represents ME?
Replies: 11
Views: 740

Re: Real Estate Showing Agreement: Who Represents ME?

I have a showing agreement where I am listed as the Seller and "New Co" is listed as the Broker. The contract states: "Showing Broker or Licensee is *not representing Seller*" Later, it states that "Seller will pay Broker a total compensation of 5.5% of the selling price&qu...
by midareff
Sun Apr 19, 2015 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Showing Agreement: Who Represents ME?
Replies: 11
Views: 740

Re: Asset allocation strategies at very large sums

Seems to me that if you invested using a standard efficient frontier of US and International Index Funds your distributed dividends would be roughly $2M annually. If you were going to use $5M for your life, assuming that was 30 years, that would be roughly $166K annually, assuming zero growth. Looks...
by midareff
Sun Apr 19, 2015 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation strategies at very large sums
Replies: 13
Views: 1486

Re: a consensus? (Bonds in different accounts)

Doc wrote:
dbr wrote:...

Agreed.



+1

another thought... all equities in taxable and all bonds in tax advantaged makes rebalancing when the Black Swan flies a challenge at best.
by midareff
Sun Apr 19, 2015 9:23 am
 
Forum: Investing - Theory, News & General
Topic: a consensus? (Bonds in different accounts)
Replies: 20
Views: 1395

Re: Which Credit Card w/ 5% Cash Back Rotating Category is B

I voted Discover based on 5% restaurant this quarter and 5% internet the last quarter. That last quarter should let me add a bit to my charitable donations.
by midareff
Sat Apr 18, 2015 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card w/ 5% Cash Back Rotating Category is Best?
Replies: 21
Views: 2366

Re: Collecting: A Hobby First, Investment Second

I'm frequently asked questions about how collectibles fit into one’s investing. My blog in the WSJ describes collecting as above all an act of love. Collecting for investment alone is a lot of work and it rarely pays well. It should be viewed as a hobby first and an investment second. Only when a p...
by midareff
Sat Apr 18, 2015 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Collecting: A Hobby First, Investment Second
Replies: 33
Views: 2868

Re: What Is The Worst Car You Have Ever Owned?

There have been two that needed trips to the dealer for repairs every 10 to 12 weeks on average. Both were bought new and under warranty and were so undependable keeping either past the warranty expiration date was unthinkable. In defense, neither left me stranded but had warning lights that indicat...
by midareff
Sat Apr 18, 2015 11:43 am
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1765

Re: Safety Deposit Box is Necessary (+1 plug:)

I used to use a safety deposit box at a local bank but it became too much of a problem to use while I was still working. I changed to a safe bolted to the fire wall of the condo. It's a secure building with hall cameras, security and is a gated complex in a restricted access area so I'm not concerne...
by midareff
Sat Apr 18, 2015 8:39 am
 
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 33
Views: 4455

Re: Defined Benefit Plan help

Thanks Alec! I received more information from his pension plan. His employer provided estimates and forms of payment. Can anyone explain what the forms of payment mean? Would the amounts listed be monthly payouts? Can anyone recommend what option would be best? He is single. Again, he had no idea h...
by midareff
Fri Apr 17, 2015 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit Plan help
Replies: 9
Views: 732

Re: John Bogle vs Jim Grant Debate

Thanks for posting. In the first article this immediately caught my eye: "After an exchange of barbed letters (circulated to clients of Grant fans like Ted Aronson, who manages $25 billion at Philadelphia-based AJO + Partners ), Bogle and Grant had pledged to argue whether “the cost of investi...
by midareff
Fri Apr 17, 2015 10:24 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle vs Jim Grant Debate
Replies: 14
Views: 2139

Re: Bernstein: "If you've won the game, stop playing."

Perhaps this is the naivete of youth, but couldn't it be argued that if you've accumulated enough that you don't need the growth of stocks that you actually played the game too long? Why not say "once the game has been won by accumulating enough safe assets, put it all in FDIC insured bank acc...
by midareff
Fri Apr 17, 2015 9:56 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 14766

Re: Help Evaluating Federal Job Offer

Putting aside job satisfaction (as a previous poster mentioned but you did not address) to me this a no-brainer, I would take the new job in a split second. That is of course coming out of my own experiences and biases. I have spent over 30 years in a field that puts me in constant contact with a F...
by midareff
Fri Apr 17, 2015 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Help Evaluating Federal Job Offer
Replies: 28
Views: 2692

Re: Proof vinyl has higher music ceiling than mp3?

I was a relatively early adopter of CD's, starting about 30 years ago. No more clicks, pops, dusting or cleaning before playing, 1/4 the storage space required and it was perfect if you could really listen to the dead lifeless sound. Equipment evolved, transistors basically replacing tube gear and s...
by midareff
Fri Apr 17, 2015 9:11 am
 
Forum: Personal Consumer Issues
Topic: Proof vinyl has higher music ceiling than mp3?
Replies: 36
Views: 2521

Re: Speeding tickets and points

I'm sure you have heard of a firm called the Ticket Clinic? Last I looked they have better than a 97% success record defending tickets. I took a quick look and they have offices in Georgia and so do many firms like them. I received a ticket about a year ago which was also my first in about 20 years....
by midareff
Thu Apr 16, 2015 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Speeding tickets and points
Replies: 10
Views: 1052

Re: Gifts to take to Scotland.

Under the definitely not would be a bottle of Johnny Black.
by midareff
Wed Apr 15, 2015 7:33 am
 
Forum: Personal Consumer Issues
Topic: Gifts to take to Scotland.
Replies: 33
Views: 2139

Re: Count Pension + SS as part of the Bond portion of AA?

It seems to me that both pension and social security are income. I wouldn't count income as a bond, or as any portion of my asset allocation. +1 .. many previous threads on this but my take (and in my case as well) I view them as an income stream just as withdrawals from a portfolio are an income s...
by midareff
Wed Apr 15, 2015 7:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Count Pension + SS as part of the Bond portion of AA?
Replies: 31
Views: 2141

Re: would "flight to safety" go to bonds after all?

A question OGD.. if the fund is 5 years in duration and is yielding 2%, a 20% loss in NAV (no defaults) would seem to be caused by a 4% increase in rates. Why would that cause the fund to yield 6.8% instead of 6%? Two things: 1) The duration formula is only accurate for small changes in yield. The ...
by midareff
Tue Apr 14, 2015 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: would "flight to safety" go to bonds after all?
Replies: 32
Views: 2563

Re: would "flight to safety" go to bonds after all?

Individual bonds, certainly .. But a bond fund, holding bonds up to 30 years duration, and you may be waiting a long time to work off a 20% loss of capital Maynard: here are some quick facts for you: * For an intermediate fund currently yielding 2% to lose 20% without bond defaults, its yield has t...
by midareff
Tue Apr 14, 2015 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: would "flight to safety" go to bonds after all?
Replies: 32
Views: 2563

Re: On a budget and Friday night

We are trying to save money for retirement since we are behind. My husband is in sales 100% commission job and March was a good month for him however, it may be nothing this month. It seems like we need to max out 401k and 457 accounts to be able to retire. We want to go to Pei Wei and see a movie ...
by midareff
Tue Apr 14, 2015 1:37 pm
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5098

Re: Massive student debt @ 6.8%

Forgiven means you are not paying back part of your debt that you legitimately requested, incurred, signed for, received the benefits of, and faith fully promised to repay. That "forgiven" falls on the taxpayers to assume eventually either as part of their income tax or as part of reduced...
by midareff
Tue Apr 14, 2015 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Massive student debt @ 6.8%
Replies: 62
Views: 6250

Re: Massive student debt @ 6.8%

Hello, I recently got married and together my wife and I have ~$180,000 in debt at mostly 6.8% interest rate. My loans are currently deferred and I'm working for AmeriCorps who should pay off the interest from this year. We pay $660/month toward my wife's loans. I have a small income and likely wil...
by midareff
Tue Apr 14, 2015 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Massive student debt @ 6.8%
Replies: 62
Views: 6250

Re: Car Insurance

Ask your agent for all the things that will help discount. I have Commerce through my independent and am in the process of getting my son's car on the road. We saved $900 by doing a bunch of "nothing" things. Paid in full in advance, electronic documents, AAA member, good student discount...
by midareff
Tue Apr 14, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Insurance
Replies: 12
Views: 1522

Re: Massive student debt @ 6.8%

Hello, I recently got married and together my wife and I have ~$180,000 in debt at mostly 6.8% interest rate. My loans are currently deferred and I'm working for AmeriCorps who should pay off the interest from this year. We pay $660/month toward my wife's loans. I have a small income and likely wil...
by midareff
Tue Apr 14, 2015 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Massive student debt @ 6.8%
Replies: 62
Views: 6250
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