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Re: 500K Sitting in a Bank Account

I'd mix just a pinch of MM with time layered CD's and a ST Bond Fund.
by midareff
Thu Jul 24, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500K Sitting in a Bank Account
Replies: 8
Views: 502

Re: Primer on slice and dice alternatives to total bond mark

Actually he said is was light on corporates. He did not say to add High Risk Corporates. While Total Bond Market is a good fund it does not include a representative portion of corporates, does not include TIPS, does not include muni's, does not include high yield and many have issue with the MBS. Th...
by midareff
Thu Jul 24, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Primer on slice and dice alternatives to total bond market?
Replies: 6
Views: 189

Re: Best Coffee Maker? What do you have?

I'm using a Cuisinart which replaced the 8 year old one that stopped working properly. Tried a Calphalon but the water seal under the water line of the tank leaked so back it went for the Cuisinart I have now.
by midareff
Thu Jul 24, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 37
Views: 1490

Re: Buying a car- 2011 Lexus IS 250 9k miles

I suggest you go to Kelly Blue Book on the net and see what it is worth. I just checked and as a private sale (with 9K miles) it's worth $25K in my area. Edmunds has it at $22.1K trade-in and $23.8K as a private sale. It might be a great car but it does not look like buying at the buyout price is a ...
by midareff
Thu Jul 24, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying a car- 2011 Lexus IS 250 9k miles
Replies: 19
Views: 1037

Re: Please help settle an argument

I was having an internet argument with someone and we both came to the conclusion we would post it on here and see what kind of responses we would get. If this is not appropriate to post I apologize in advance. Argument A: It ALWAYS makes sense to take out a vehicle loan, as long as it is no greate...
by midareff
Thu Jul 24, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 1774

Re: Van. total bond vs intermediate

jmoroney wrote:I am looking at the index fund. Sorry for the confusion.


At this point I like the Total Bond Market Fund over the Intermediate Bond Index since the duration is shorter (less interest rate risk) and the diversification is greater.
by midareff
Thu Jul 24, 2014 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Van. total bond vs intermediate
Replies: 5
Views: 379

Re: Cheap auto loan suggestions?

Try PenFed.org
by midareff
Thu Jul 24, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Cheap auto loan suggestions?
Replies: 9
Views: 350

Re: Van. total bond vs intermediate

Intermediate Bond? Intermediate Treasury? Intermediate Term Investment Grade? Intermediate Term Bond Index? Three different funds starting with Intermediate Term. For a first time bond fund buyer I'd stick with Total Bond Market.
by midareff
Thu Jul 24, 2014 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Van. total bond vs intermediate
Replies: 5
Views: 379

Re: Here's another "where should I retire" thread

@midareff, I like the mountains and riding a bike, but I much prefer riding on relatively flat ground :D My parents spent the second half of their retirement in Florida. It seemed crowded to me. Depends on where.... I've been in Miami for 50 years and looking for relocation now that I'm retired. To...
by midareff
Wed Jul 23, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Here's another "where should I retire" thread
Replies: 66
Views: 2739

Re: Help me choose a new tv

A year and a half ago I bought 2 Samsung LED TVs... Smart LED 3D. One is a 7500 series the other an 8000. I went upscale because they are both upgradeable by module replacement as well as software download, which they do themselves. They replaced a 17+ year old Sony 42" rear projector and a 7 y...
by midareff
Wed Jul 23, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 1472

Re: Which Bernstein Book?

Hawkeye5 wrote:I've read all three. If memory serves The Investor's Manifesto is the most recent of the three and Four Pillars is a classic. I highly recommend all Bernstein's books.


+1 One by one, real all.
by midareff
Wed Jul 23, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Which Bernstein Book?
Replies: 25
Views: 1458

Re: Will not using my dishwasher cause problems?

HueyLD wrote:You need to run your dishwasher NOW!

It may already be broken because dishwashers are built to be used regularly.


I'd run no less than monthly, they do lock up with lack of use.
by midareff
Wed Jul 23, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 35
Views: 1271

Re: Here's another "where should I retire" thread

While family is a major consideration so is climate. I think I like fewer rainy and snowy days and warmer weather. Without recommending a location why don't you and wife focus on the things you like to do recreationally. Perhaps, make a list. Then find an area, or maybe two areas, that provide great...
by midareff
Wed Jul 23, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Here's another "where should I retire" thread
Replies: 66
Views: 2739

Re: Best Coffee Maker? What do you have?

Great idea.....
by midareff
Wed Jul 23, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 37
Views: 1490

Re: Intimidated by Investment Advisor

Since you don't like conflict, get someone else to handle the conflict. Simply put: Get a lawyer. Now. Absolutely. I would add, if you feel uncomfortable at this point in time taking over the management of the investments there are several well known, well published authors/advisors who frequent th...
by midareff
Wed Jul 23, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intimidated by Trustee and Investment Advisor
Replies: 30
Views: 3158

Re: Adding Corporates to Total Bond Market Index

Welcome back Landy.... The most realistic solution I see for today's interest rate environment is ST IG (LT Tax-Ex in taxable) for rebalance money, which has a better interest rate rise recovery rate (yield/duration), and the rest in IT IG corporates. I don't like it, but I like it better than what...
by midareff
Wed Jul 23, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 75
Views: 6041

Re: Dumb 3rd grade math question about beach house rental

10/28 + 10/28 +8/28 = $10,000 you can take it from there I'm sure you are right that it will be a third each, after discussion. Kevin +1 EDIT: I'm going to go back and change my mind. Sharing the cost is 1/3 each. Renting is 8/10ths of a 1/3 share. What if they decide to stay a ninth night, do you ...
by midareff
Wed Jul 23, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2385

Re: Adding Corporates to Total Bond Market Index

.... Can you let me know what you are saying in level clear language? Sorry, but I don't see the "unleveled, unclear" language in a synopsis I made of what you had said. Unless one panics and wants to cash out one's bond holdings during a temporary dip in bond prices , why should we gear ...
by midareff
Wed Jul 23, 2014 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 75
Views: 6041

Re: Thoughts on [not] rebalancing

It is an interesting concept especially when you add in partial rebalance or required deviation rebalancing. I'm in the process of trying to formulate some rules for downside movement before rebalancing would kick in. My situation may be different as I can drain bonds and probably get to 91 y/o with...
by midareff
Tue Jul 22, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on [not] rebalancing
Replies: 12
Views: 654

Re: Buying in ok neighborhood vs good neighborhood

dbr wrote:What does it mean to be "x blocks away from the 'crime part of town'"? Doesn't sound like either one is a good choice.



My take exactly.... another 4 blocks to kids on foot or bicycles means nothing. 8 blocks from the crime part of town is not nearly far enough in my opinion.
by midareff
Tue Jul 22, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1648

Re: Can I manage a new CC?

I have a fist full of cc's and regularly use 4 of them. AMEX 6% groceries, used just for groceries, PenFed 5% gas, used just for gas, Fido AMEX 2% used for everything I can and the Fido Visa 1.5% for when they don't take Amex. I have Discover and some store cards, an Amazon card and others but don't...
by midareff
Tue Jul 22, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I manage a new CC?
Replies: 13
Views: 958

Re: How to track expenses to the penny?

We eat out quite a lot. What's giving you 5% at restaurant's year round or is that a Discover quarterly category?
by midareff
Tue Jul 22, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 40
Views: 2443

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results. Are ...
by midareff
Tue Jul 22, 2014 9:06 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 75
Views: 6041

Re: Bond funds- your percentage of intermediate vs. short-te

From an investor's perspective fixed income money has become extremely difficult to even obtain a few basis points of real return, and there is interest rate and other risks in that. Having said that, I believe I heard Mr. Bogle comment during an interview he held either ST or LT Tax-Ex in a 1:2 rat...
by midareff
Tue Jul 22, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds- your percentage of intermediate vs. short-term?
Replies: 12
Views: 1109

Re: Reduce / Eliminate Emerging Market in Retirement?

Broadly diversified is broadly diversified. Roughly 7.5% of my portfolio is VTIAX and another 7.5% in VSS. The EM they hold is just fine with me the point being to be invested in maximally diversified manner. I don't need to take risk either (66, 2 years retired) so 45% of my portfolio is equities, ...
by midareff
Tue Jul 22, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Reduce / Eliminate Emerging Market in Retirement?
Replies: 11
Views: 1137

Re: P/E Ratio: How do YOU interpret/use it?

I interpret it to be the numerial comparison of the price of the stock to its most recently officially reported earnings per share. I use it to razzle dazzle my friends who assumed I must be ever so smart if I can use the term "P/E ratio" in a sentence. PJW Not to mention dynamically adju...
by midareff
Tue Jul 22, 2014 8:20 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1312

Re: Hw many credit cards to own?

I own five..... Amex Blue Cash Preferred for groceries @6% cash rebate .. used for nothing else. Penfed Gas Card @ 5% cash rebate .. used for nothing else. Fido Amex @ 2% rebate .. used for everything else. Fido Visa % 1.5% cash rebate... used where none of the above are Discovery... only used when ...
by midareff
Mon Jul 21, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 68
Views: 3689

Re: Bond Fund or Money Market Fund?

First year's funding in a money market, such as Ally Bank paying .85%, second year 's money CD's for a slightly higher rate or same as third year, third year in a short term bond fund.. short term investment grade if you are tax-exempt or limited term tax-ex if not.
by midareff
Mon Jul 21, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund or Money Market Fund?
Replies: 7
Views: 565

Re: years of investing and balances

Started in my mid 20's (66 now), first million in 1999 then gone in the tech wreck, discovered Dr. Bernstein, Rick, Larry and John C., regained in February 2011. Retired in April 2012. Great bull run, half way to multi now.
by midareff
Mon Jul 21, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: years of investing and balances
Replies: 23
Views: 1895

Re: Your allocation to Emerging Market small cap ETFs?

I own whatever part of them are included in VG Total International and Small International. I don't add an EM tilt or separate slice.
by midareff
Mon Jul 21, 2014 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Your allocation to Emerging Market small cap ETFs?
Replies: 12
Views: 1064

Re: how often do you look at your account

bengal22 wrote:when it is going up I look all of the time. In the other direction, I tend to watch more sports.



LOL, funny.... but me 2.
by midareff
Sun Jul 20, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3526

Re: Memory foam mattresses - any insight?

My other half decided to ditch both of our mattresses and get two of the Costo tempurpedic-like mattresses. I don't like them too much. Then when I attended a recent wedding at a hotel in Provincetown, I really realized what a good regular high end mattress felt like and wished we would have spent ...
by midareff
Sun Jul 20, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 49
Views: 3003

Re: Memory foam mattresses - any insight?

Bought a TempurPedic >10 years ago. We like it. It has been more durable than any conventional mattress we've ever owned. Re chemicals, there has never been a trace of odor from it. I can't speak to the question of whether it's any better than cheaper mattresses. It's not for everyone. Most mattres...
by midareff
Sun Jul 20, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 49
Views: 3003

Re: How much do you spend on your hobby annually?

Year before it was trips to Africa (3 weeks) and Thailand (7 weeks) maybe $12K or so. Hi midareff, I was under the impression that an African safari would put me back $10k-$15k. Your expenses are much more reasonable. Victoria Safari's can range widely in price and offerings. Are you OK in the lodg...
by midareff
Sun Jul 20, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6934

Re: Which kind of bike for recent retiree?

Many years ago, I used to cycle semi seriously, for fun. me 2. Recently went into a bike shop and was astounded at the different styles of bike. In the past I had a road bike and I was happy with it, but a mountain bike or a hybrid looked interesting. (actually not even sure I have straight all the...
by midareff
Sun Jul 20, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2529

Re: How much do you spend on your hobby annually?

Annually? all over the place. To keep them identified, audio and video gear, photography and travel. Last year I changed out two older TVs (average age 12) for 2 large higher end "Smart" ones and Blu-ray's. $5K. Year before it was trips to Africa (3 weeks) and Thailand (7 weeks) maybe $12K...
by midareff
Sun Jul 20, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6934

Re: Faber: S&P 500 an Active Fund in Drag

Agree with Faber... a few companies are added and deleted based on criteria every year. On the other hand since companies come and go in the real world any groiup of 500 companies must have some leaving and some coming. Regardless of how terms are parsed as an index, active index, active fund in dra...
by midareff
Sun Jul 20, 2014 8:10 am
 
Forum: Investing - Theory, News & General
Topic: Faber: S&P 500 an Active Fund in Drag
Replies: 45
Views: 3415

Re: Buying First Home - Inspection Follow Up Advice

Excellent advice. You should listen to EmergDoc and retiredjg. If you decide to go through with this deal, you need to be well covered for the cost of the repairs. Even if you get good estimates, something will inevitably go sideways and it will cost more than you expect. Agreed and I would include...
by midareff
Sun Jul 20, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home - Inspection Follow Up Advice
Replies: 22
Views: 1826

Re: Poll: Has your AA changed in the last 18 months

The last 18 months of bull and following my balance bands took me to Dr. B's won the game. Reduced equities to 45%.
by midareff
Sun Jul 20, 2014 7:48 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 49
Views: 2338

Re: When to Buy Air Tik to Florida

Don't wait too long. Those Christmas flights to Florida are usually sold out months in advance. You might find it goes from high fares to being completely sold out. Bruce +1 Now but pick a day and start looking about 4 or 5 AM. You can usually catch a couple of lower priced tickets early AM. This t...
by midareff
Sun Jul 20, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: When to Buy Air Tik to Florida
Replies: 9
Views: 1034

Re: Complete Portfolio Rebalancing: Lump or DCA?

I would go ahead and get it done. Depending on the amount of record keeping you do personally, you might split it into more than one day (i.e.: two or three days) just for convenience and being to verify things got where you wanted them.
by midareff
Sat Jul 19, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Complete Portfolio Rebalancing: Lump or DCA?
Replies: 9
Views: 931

Re: Boglehead Beer

Guinness in Ireland, here it just isn't the same. Sam Adams Boston Lager is a current favorite as is Blue Moon Belgium Ale. I just put Yuengling and Dogfish on the try list. Fortunately I have a Dogfish and Yuengling seller on a more commonly taken street.
by midareff
Sat Jul 19, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 46830

Re: Just purchased a condo. Insurance question

An insurance item frequently overlooked that may be helpful is Special Assessment Insurance. Things happen in buildings, even those with fully funded reserves.
by midareff
Sat Jul 19, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Just purchased a condo. Insurance question
Replies: 10
Views: 892

Re: If no access to DFA, Small Value worth it?

OP, You may also enjoy this article from ~2001 called Diversifying Fama-French style with Vanguard Funds from the old indexfunds.com. I had to use the Way back machine, but if the link doesn't work you can just lookup "http://www.indexfunds.com/articles/20000818_vanslice_adv_veh_JK.htm" o...
by midareff
Sat Jul 19, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: If no access to DFA, Small Value worth it?
Replies: 20
Views: 2417

Re: Jeremy Grantham pokes holes in EMH

Thanks for sharing.
by midareff
Sat Jul 19, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham pokes holes in EMH
Replies: 16
Views: 2139

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results. Are ...
by midareff
Fri Jul 18, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 75
Views: 6041

Re: Cash out pension?

#1. Much too much can happen between 2014 (now) and 2039. #2. 1% annual dividend when the CPI-U is near double that now and has averaged 3.92% from 1960 to date tells me you just can't afford to park the money at 1% for the next 25 years. #3. Call 800-841-7999 and have Vanguard Concierge Serviced he...
by midareff
Fri Jul 18, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out pension?
Replies: 30
Views: 1629

Re: Please approve my asset allocation!

Agree on maxing a Roth too. Other than that I wish I knew what you already know at 20 something.
by midareff
Fri Jul 18, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Please approve my asset allocation!
Replies: 16
Views: 1026

Re: Vanguard Inter-Term Bond Index (VBILX)

I like VBILX because it does not hold high-risk mortgage backed securities (MBS.) After 2008, I avoid MBS like the plague. Over the years, VBILX has a slightly lower CAGR than BND, but I still prefer VBILX for the reason stated above. are you sure on the CAGR? 10 year on VBILX (Admiral) is 5.92%, 1...
by midareff
Fri Jul 18, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Inter-Term Bond Index (VBILX)
Replies: 9
Views: 1007

Re: If you own a car, do you have a car payment?

PenFed had 1.49% 5 year financing available when I bought 22 months ago. The decision was pay cash or leave it in the market..... the rear view mirror says I made the right call so far. Actually, it was more a no brainer than anything else. Going backwards from there, 6 years of no payments, 10 year...
by midareff
Fri Jul 18, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 110
Views: 6269
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