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Re: Wife turning 50, Ideas for gift?

How about a surprise dinner at the Eiffel Tower? Long surprise weekend in Paris?
by midareff
Mon Mar 02, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: Wife turning 50, Ideas for gift?
Replies: 18
Views: 1197

Re: Would you buy into this state defined benefit pension?

Here's my situation. I'm 53.5, single, retired and in good health. I have no debt or mortgages and get $14k/year from a rental property, that's around $8k of income after expenses. I have $400k in after tax accounts, $100k in a ROTH and $700k in tax deferred retirement accounts invested in a 60/40 ...
by midareff
Mon Mar 02, 2015 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy into this state defined benefit pension?
Replies: 16
Views: 1112

Re: How to find a spouse who wants financial independence

LOL... my wife (she is Thai) and I met online in 2008. She had an executive position in a large Bangkok Marketing Firm and owned a restaurant and several rental properties despite being 15 years younger than I am. We first met in person when I went through Bangkok to a tour of Vietnam and Cambodia i...
by midareff
Sun Mar 01, 2015 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 39
Views: 6500

Re: Hard skills to learn to push me over 50k per year?

Hi Frogger, Welcome and thanking you for posting a reply. I must have sold myself which encouraged you to join this forum. Your input makes sense and I will get the book "How to Win Friends and Influence People." I am willing to do anything to invest in myself. I made financial mistakes i...
by midareff
Sat Feb 28, 2015 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hard skills to learn to push me over 50k per year?
Replies: 9
Views: 945

Re: Wife doesn't want to retire - I do

If you have hobbies, interests and things to do goforit. Get up, get dressed, fight rush hour traffic to get to a job that's no longer interesting or challenging, then fight rush hour traffic to get home. ... If you have saved enough and have an adequate safety margin ...... BAIL!. Work is a four le...
by midareff
Sat Feb 28, 2015 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 60
Views: 4829

Re: Hard skills to learn to push me over 50k per year?

Before I retired I knew quite a few soft skills sales people, and quite a few hard skills sales people. The hard skills folks had intimate product knowledge from every perspective of every competing product and knew all about your operation before they even walked in the door. You are selling profes...
by midareff
Sat Feb 28, 2015 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hard skills to learn to push me over 50k per year?
Replies: 9
Views: 945

Re: VICSX (Intermediate Corp) vs VCIT (ETF share class)

I recently looked at that same situation and decided to go with the fund. One of my considerations was the ability to direct distributions direct to my bank instead of having a MM stop as required when the ETF is purchased (Brokerage). 4 years to 70.5 and I'm thinking the month by month distribution...
by midareff
Sat Feb 28, 2015 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: VICSX (Intermediate Corp) vs VCIT (ETF share class)
Replies: 14
Views: 462

Re: Safe Withdrawal Rate as it relates to Size of Portfolio

and people also forget that the 40% were 5 year treasuries and the return used in the study was 2.1% real from those 5 year treasuries, and 3% inflation. It's not even close to 2.1% yield these days let alone 2.1% real. 10% was used as the average return from equities. Don't forget that past result...
by midareff
Fri Feb 27, 2015 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate as it relates to Size of Portfolio
Replies: 25
Views: 2550

Re: Question about bond income

Except the Intermediate Term Investment Grade Funds is distributing 3%, not 2%. Keep an eye on IRS wash rules.
by midareff
Thu Feb 26, 2015 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Question about bond income
Replies: 3
Views: 363

Re: Safe Withdrawal Rate as it relates to Size of Portfolio

Just to preempt any confusion: The 4% rule comes from a study that showed if one withdrew 4% of his portfolio in his first year of retirement, then continued to withdraw this dollar amount adjusted for inflation in subsequent years, he would not outlive his money in 95% of 30-year historical scenar...
by midareff
Thu Feb 26, 2015 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate as it relates to Size of Portfolio
Replies: 25
Views: 2550

Re: Help! Ive been put on a performance improvement plan!

It seems to me that the issues involve a lack of communications up and down, and in your perception of your job function. You are not the enforcer, you are the facilitator.. or more plainly, it is your responsibility to make sure all of the field agents have the tools, coordination and support to be...
by midareff
Wed Feb 25, 2015 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 8326

Re: help me speed up my computer

Add some more memory that will help. If you really want to speed it up, add an SSD drive. Some people really hate Windows 8, but I like it, I have no problems with it and it's very fast. Or wait and get a free Windows 10 update later this year. Click Run, type msconfig and see which programs start ...
by midareff
Wed Feb 25, 2015 9:06 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3496

Re: Spreadsheet for backtesting (includes TrevH's data)

Yes, only annual data supported. I believe that's enough for most forum member, not to mention that only a minority on this board is interested in back-testing to begin with. In fact, there is significant percentage who don't even bother to calculate their own annual returns, on assumption that the...
by midareff
Wed Feb 25, 2015 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 645
Views: 399629

Re: external hard drive - Windows 8 - need assitance

Win 8 system here too being used with a 500 gb Samsung external SSD, a 500 gb Toshiba USB 3.0 hard and a USB 2 ITB Raid LaCie. All are driven by powered external hubs. No issues at all.
by midareff
Wed Feb 25, 2015 8:51 am
 
Forum: Personal Consumer Issues
Topic: external hard drive - Windows 8 - need assitance
Replies: 20
Views: 1326

Re: Help! I can't afford to eat on my South Beach vacation

If you want Buffets there is Jumbo Buffet on Biscayne Boulevard and about 132 Street which is lower quality Chinese style and Ginza near 163 street and Biscayne Boulevard, which is excellent with a mammoth Sushi bar and custom cook station. Lunch will run you $10 at Jumbo and $12 at Ginza, dinners a...
by midareff
Tue Feb 24, 2015 8:29 am
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4911

Re: Suggest an infrared temperture gun

I've had this one since (about) 2001. Never an issue with it. http://www.amazon.com/Raytek-MT4-Non-Contact-Thermometer-Sighting/dp/B0002198GY/ref=sr_1_1?s=hi&ie=UTF8&qid=1424708760&sr=1-1&keywords=raytek+infrared+thermometer Seems like the price has stayed about the same since I got ...
by midareff
Mon Feb 23, 2015 11:29 am
 
Forum: Personal Consumer Issues
Topic: Suggest an infrared temperture gun
Replies: 14
Views: 934

Re: why do some people like Fidelity?

Postmon wrote:And let's not forget the 2% cash back AMEX credit card and the no fee ATM card.



+1 and the 1.5% cash back Visa
by midareff
Sat Feb 21, 2015 9:28 am
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6701

Re: Giving guests free WiFI @ short-term rental = get sued?

Tell the management company to provide it for free, and if lawsuits are a concern, combine the wifi agreement with the property rental agreement. Signing with the rental papers should be just as binding (if not more so) as a click through.(I am not a lawyer) And, if they insist on a landing page, y...
by midareff
Sat Feb 21, 2015 9:10 am
 
Forum: Personal Consumer Issues
Topic: Giving guests free WiFI @ short-term rental = get sued?
Replies: 32
Views: 3663

Re: Thoughts on replacing tires?

Check out the tires that match your vehicle (along with the reviews) on this Tire Rack site: http://www.tirerack.com/index.jsp I'm estimating you'll pay about $120 per tire installed +1 for Tire Rack. Installer made an appointment to come to my home and did the installation in less than a half hour...
by midareff
Sat Feb 21, 2015 9:03 am
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3422

Re: Grand Canyon

I've been to the South Rim 3X and been snowed and hailed on the last day of May about four years ago. El Tovar would be the place to stay in the park, if you can. It was booked each time I was there but I was able to stay inside the park each time. There is a nice place just to the west (first build...
by midareff
Fri Feb 20, 2015 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 2292

Re: Interesting Article on Bonds - Thoughts?

Compare starting IT Treasuries with today's distribution yield. Do the math.
by midareff
Fri Feb 20, 2015 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interesting Article on Bonds - Thoughts?
Replies: 4
Views: 582

Re: What to do with leftover cash?

I'm a big fan of Vanguard's Limited Term and Intermediate Term Tax-Exempt Bond Funds in taxable. You might check tax regulations to see if you are better with NY Tax-Exempts though.
by midareff
Fri Feb 20, 2015 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with leftover cash?
Replies: 8
Views: 512

Re: Why don't I see more people arguing for a world portfoli

Vanguard had a paper on this back in 2008 and here is a more recent one from 2014. Both came to the same conclusion - that the "diversification" benefit tapers off after about 40% of stocks in international. One of the reasons is that international stock funds cost more. https://personal....
by midareff
Fri Feb 20, 2015 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Why don't I see more people arguing for a world portfolio?
Replies: 41
Views: 2821

Re: Risk of Rebalancing

Your quotes talk about calendar-date rebalancing and used the term "rote rebalancing" for that. People like Larry Swedroe have advocated rebalancing bands, say out-of-whack by 25% or 5% depending on allocation in the portfolio. I like to use different bands and really-bad-days to trigger ...
by midareff
Fri Feb 20, 2015 11:22 am
 
Forum: Investing - Theory, News & General
Topic: Risk of Rebalancing
Replies: 63
Views: 3719

Re: Risk/Return Spectrum

I think your order is about right but your expected returns are overly optimistic IMHO. 3% - 5% on short term bonds .... tell me where? I looked at Vanguard short term bond ETF since inception (3.4%) Bonds have been good lately, but I guess 3-5% is overly optimistic. I will update to 2-3%. https://...
by midareff
Fri Feb 20, 2015 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Risk/Return Spectrum
Replies: 19
Views: 1061

Re: "Don't Be Dogmatic About Retirement-Portfolio Withdrawal

Taking your RMD's on time to avoid penalties is a must. I treat my Roth the same as I treat taxable in that they both provide an income stream expected to last my life.
by midareff
Fri Feb 20, 2015 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: "Don't Be Dogmatic About Retirement-Portfolio Withdrawals."
Replies: 10
Views: 1428

Re: Poll: Largest fraudulent charge to your credit card(s)?

A few years ago I checked out of Caesars in Vegas and thought the clerk had fumbled with the card a little too much. I checked the card online as soon as I got home (six hours) later and found entries for airline tickets to Paris and a few other things had occurred since I checked out. Called the ca...
by midareff
Fri Feb 20, 2015 10:58 am
 
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 2377

Re: Risk/Return Spectrum

I think your order is about right but your expected returns are overly optimistic IMHO.

3% - 5% on short term bonds .... tell me where?
by midareff
Fri Feb 20, 2015 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Risk/Return Spectrum
Replies: 19
Views: 1061

Re: 2 comma club (my way)!!

acejacksingh wrote:
tbradnc wrote:The first million is the hardest. :)


I heard the first $100,000 is the hardest........




Congrats to the OP!! :sharebeer


The first $10,000 was the hardest!

:moneybag great start!
by midareff
Fri Feb 20, 2015 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 31
Views: 5064

Re: Is this good time to invest in 3-fund portfolio

No one knows where the market is going next and that includes all the so called guru's. For every bull proponent CNBC pulls out to says we are in the middle of the run and the bull has 6 to 8 more years to run, they pull out a bear proponent who says the market is due for a crash. In the absence of ...
by midareff
Fri Feb 20, 2015 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this good time to invest in 3-fund portfolio
Replies: 14
Views: 1146

Re: 3-1/3% SWR = you can manage it by intuitive household bu

30x? Am I the only one around here planning to draw down principle in addition to returns? Not at all. The current bull run will end one day and using (original) principle capital is expected. The last few years it has been easy; dividends, interest and harvest some capital gains. The last five yea...
by midareff
Fri Feb 20, 2015 9:09 am
 
Forum: Investing - Theory, News & General
Topic: 3-1/3% SWR = you can manage it by intuitive household budget
Replies: 40
Views: 3533

Re: Best Condo Sell Strategy?

First you have to know the area comps for asking and sold prices and where you fit. Price it appropriately and it will sell.
by midareff
Thu Feb 19, 2015 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 904

Re: 3-1/3% SWR = you can manage it by intuitive household bu

The SWR logic is completely flawed anyway. You can't make an iron clad spending rule and expect it to hold for 30 years with no modification. Life just does not work that way for very many people. Just about anyone is going to adjust spending down when markets tank. No one with open eyes is just go...
by midareff
Thu Feb 19, 2015 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: 3-1/3% SWR = you can manage it by intuitive household budget
Replies: 40
Views: 3533

Re: What is the worst financial decision that you've made?

Load up on tech in 1998. My pre-Boglehead days.
by midareff
Wed Feb 18, 2015 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 14782

Re: Ironic Downside to Retirement Planning

I retired at the end of March, 2012, so it hasn't been that long. I started providing a general ball park out date almost two years in advance. Confirmed it a year in advance and provided a hard exact date three months prior to my actual retirement. It was a very complex job requiring a special know...
by midareff
Wed Feb 18, 2015 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Ironic Downside to Retirement Planning
Replies: 17
Views: 2870

Re: A Special Message From Social Security

Its absolutely not a scam or phishing. It allows online access where you can print certain documents online rather than having to go to the local office or wait for snail mail. I think its good to see SSA getting a little more modern Did you click on the link in the email message or logged in separ...
by midareff
Tue Feb 17, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6184

Re: The Non-Millionaire Next Door

Pretty tough to get two MB's in the driveway with no discretionary income.
by midareff
Tue Feb 17, 2015 11:34 am
 
Forum: Investing - Theory, News & General
Topic: The Non-Millionaire Next Door
Replies: 43
Views: 6233

Re: Bond investors...is there a crash on the horizon..!!

Unfortunately, the sky is always falling somewhere, on something. CNBC is always kind enough to point that out to us... :oops:
by midareff
Tue Feb 17, 2015 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond investors...is there a crash on the horizon..!!
Replies: 43
Views: 3096

Re: Preparing for 2 months incommunicado

I will be walking el Camino de Santiago for two months. After giving it some thought, I decided to go without any electronics. No phone, no smartphone, no tablet. What should I do in preparation for being incommunicado? Areas of concern: 1. How to handle email, and particularly, important alerts? S...
by midareff
Tue Feb 17, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6337

Re: When would you retire money no object?

If money was no object why would you work?
by midareff
Tue Feb 17, 2015 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 3275

Re: Large Age Gap with Spouse/Partner

So he's 50. When the kids are teenagers, he'll be looking at 70. I can't imagine dealing with teenagers at that age. Let alone the financial aspects. There is an interesting couple in the condo ... (only) 20 years apart. She is 77 and still active and shows real estate. I don't know if that's becau...
by midareff
Tue Feb 17, 2015 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5149

Re: Retirement Withdrawals

In approaching retirement this year I'm looking at how to fund my expenses. Wondering how to factor in the income my portfolio will generate if I redirect all dividends in taxable accounts to cash (instead of current dividend reinvestment) Overall yield on my 50/50 stock-bond holdings is around 1.7...
by midareff
Tue Feb 17, 2015 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Withdrawals
Replies: 10
Views: 1578

Re: Health Insurance Debacle, need advice...

Auto-pay is a conveniece offered by many companies, medical & non-medical, to their customers. Do you normally enter auto-payments into a checkbook, to account for the withdrawal of funds? Do you have any responsibility to make sure that auto-payments are actually made? +1 I feel for you and I'...
by midareff
Tue Feb 17, 2015 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Debacle, need advice...
Replies: 35
Views: 2598

Re: What to do with left over money.

International travel?
by midareff
Mon Feb 16, 2015 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with left over money.
Replies: 11
Views: 753

Re: Your car repair/parts expenses for 2014

Two tires (front) as one had bubbled at 12K miles. Two years of pre-paid maintenance and warranty coverage remain. I'll check the rear's tread depth and decide if I want to change them out in May, just before the start of the rainy season. Hard to foresee anything else other than the possibility of ...
by midareff
Mon Feb 16, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 1742

Re: Pfau: Four Risks of Retirement Income

Just a couple of comments...... I'm not sure that adding (selling) significant quantities of complex instruments to determine optimum portfolio survivability in an 1% advisor fee environment gives me a lot of faith in future real world outcomes. Another week, another study. Obviously, a lot of work ...
by midareff
Mon Feb 16, 2015 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Pfau: Four Risks of Retirement Income
Replies: 31
Views: 4331

Re: possible churning?

so, Midareff, you really mean it's just a ploy. so no rational reason. The body of evidence against market timing is overwhelming and there is no reason for his crystal ball to be any clearer than that of the thousands and thousands of other advisors, thousands and thousands of mutual fund managers...
by midareff
Sun Feb 15, 2015 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: possible churning?
Replies: 20
Views: 1308

Re: Intermediate term tax-exempt bond fund

I hold VWIUX and VMLUX in taxable. About 18% or so of total portfolio. IRA is larger than taxable side. Thanks. Have you held both for a long time? Wondering if getting into long term now is okay given that interest rates will likely rise sometime this year. I've been hearing that for a couple of y...
by midareff
Sun Feb 15, 2015 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax-exempt bond fund
Replies: 14
Views: 1276

Re: Intermediate term tax-exempt bond fund

I hold VWIUX and VMLUX in taxable. About 18% or so of total portfolio. IRA is larger than taxable side.
by midareff
Sun Feb 15, 2015 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax-exempt bond fund
Replies: 14
Views: 1276

Re: possible churning?

magpiejst wrote:is there any rational reason for a financial manager to continually sell and buy shares of an S&P mid cap ETF on a monthly basis?



Yes. If there is no activity (and or trading costs) on the account how could he justify charging his fees?
by midareff
Sun Feb 15, 2015 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: possible churning?
Replies: 20
Views: 1308
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