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Re: Asset allocation market timing strategy inspired by John

Seems to me that significant changes in pe will be accompanied by significant changes in AA percentages. Rebalancing back to target risk should cover most of this unless the discussion is an amount of overcompensation.
by midareff
Wed Oct 01, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 32
Views: 1603

Re: Hard Money Lending, flipping houses 12% return Lets hear

I see all of your points guys, but say your on the other end (your the flipper) so you have say 1Mil of your own $$$ so you can only do 3-4 houses at a time with your own cash, so why not do 20 houses at a time and find another 10mil with hard cash investors? And on and on... as long as you can kee...
by midareff
Wed Oct 01, 2014 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 52
Views: 2462

Re: Will you invest in Bill Gross's new bond fund?

something else. ..... and exactly why again do I need Bill Gross?
by midareff
Tue Sep 30, 2014 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 49
Views: 2314

Re: Bogleheads, help me be less afraid of international stoc

If you want to worry you can always find plenty of stimulus. The EAFE outperformed the S&P500 in 10 of the last 20 years. That said, I'll add the amount of variation heavily favored the S&P. I'm about 29% domestic to 15% international. Maybe I'll need to rebalance in a few years.... yawn, so...
by midareff
Tue Sep 30, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, help me be less afraid of international stocks
Replies: 39
Views: 2023

Re: I picked up a penny today...

I always pick up coins from a penny to whatever. So does wifey.... we save them up all year and then donate the total (or add the total) to a good charity at the end of the year.
by midareff
Tue Sep 30, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: I picked up a penny today...
Replies: 20
Views: 1840

Re: Maybe going back to cash isn't such a bad idea

I use cash back credit cards everywhere possible. If they don't pay cash back they are not in my wallet. I get everything from 6% on groceries to 5% on gas to 2% on everything and so forth. Probably get $1500 to $1800 a year in cash back, maybe more. This year my IRS refund check never showed up... ...
by midareff
Tue Sep 30, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Maybe going back to cash isn't such a bad idea
Replies: 18
Views: 1950

Re: Trusting our advisor?

Keep in mind $1M under management at a 1% annual fee is $10,000 a year. YOU can do this.
by midareff
Sun Sep 21, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trusting our advisor?
Replies: 25
Views: 1883

Re: When to throw out childhood toys? Encourage me please.

Why don't you eBay the stuff and then donate the net proceeds to the charity of your choice.
by midareff
Sun Sep 21, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2392

Re: please take a look at my 'gone fishing' portfolio and ra

With 14 years remaining to retirement I am going to estimate your age as 50 or so. While there is nothing "wrong" with your portfolio it is on the more aggressive side if I have your age about right. Age in bonds or age in bonds -10, or even -20 for young investors are frequently cited her...
by midareff
Sat Sep 20, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: please take a look at my 'gone fishing' portfolio and rate
Replies: 37
Views: 2515

Re: Help! Are we making a huge mistake?

What a great position to be in, you are truly fortunate and obviously very good at what you do, congratulations. In your decision making there has to be a risk assessment since you are getting close to retirement. The risk of the long term stability of the enhanced pension vs. the stability risk tha...
by midareff
Sat Sep 20, 2014 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge mistake?
Replies: 39
Views: 5093

Re: Medicare Plan D Tail Of Whoa!

I'm in the donut on my last fills. I was able to avoid it last year but not this one. My internist just advised using 2 OTC Nexium instead of one 40 mg script. About $100 for 90 days vs. $300. That should help next year.
by midareff
Fri Sep 19, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 1956

Re: We have a grocery problem...

Two here as well.... average $450 a month at the grocery store which probably includes a half dozen bottles of wine. Both retired and a couple of lunches and dinners out a week, so we spend more on meals out than the grocery store. Seafood is a regular, and lot's of veggies. She doesn't eat red meat...
by midareff
Fri Sep 19, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10621

Re: House broken into--please help

You are going to have to change your email as well, especially with every site that handles $$, from investments to credit cards to anything that has or can charge $$. Don't forget the eBay's, M*, Amazon, banks and more. If it were me I'd be hammering on the emails and passwords right now until ever...
by midareff
Fri Sep 19, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2338

Re: Password Manager [Last Pass]--stolen

I would think you can login on a different computer and then cancel your account. You may have to download LastPass to that other computer to do so.
by midareff
Fri Sep 19, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Password Manager [Last Pass]--stolen
Replies: 15
Views: 2566

Re: LASTPASS Password Program

Never had difficulty contacting LastPass about an issue. Websites do not allow multiple passwords from one ID. Have you checked the edit and verified ID and passwords LastPass is using? Maybe LP remembered the passwords you used! Did you go through generate password and change each net site one by o...
by midareff
Wed Sep 17, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 11
Views: 1179

Re: Proposed: 35% Maximum Bond Allocation, For Life

The only caveat I see is that is the equity markets take a 50% or greater hit you are SOL, or at best extremely limited on rebalance money and safe drawdown funds.
by midareff
Wed Sep 17, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 37
Views: 3765

Re: How to best adjust asset allocation as years pass

Adjusting an AA for .5% increments just doesn't make sense to me. Assuming that you have not had a significant life changing event I can't imagine a reason to change your target AA more often than every five years or so, maybe even every ten as others have suggested. AFAIK my AA can drift +/- 5% bef...
by midareff
Wed Sep 17, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: How to best adjust asset allocation as years pass
Replies: 21
Views: 1788

Re: Vanguard's Website - Bad, or just me?

I find the VG website sufficiently utilitarian for my needs. I'm not a trader or speculator so my automatic monthly draws are all the activity going on. Anytime I want to update everything I export my portfolio from M* and open/update excel. Any statistic I could possible want is updated in about 20...
by midareff
Wed Sep 17, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2391

Re: Eldertreks to Costa Rica

Not with that particular company but I have experience with Smartours (4X), Grand European Tours (2X) and ChinaSpree (2X). Would not hesitate to recommend all of them.
by midareff
Wed Sep 17, 2014 8:28 am
 
Forum: Personal Consumer Issues
Topic: Eldertreks to Costa Rica
Replies: 1
Views: 246

Re: Hamilton watches, worth the money?

Jack FFR1846 wrote:For the stated purpose, consider an ebel 1911. It states "I can afford a Rolex but am not so tacky as to actually wear a Rolex".



Different people, different perceptions. I think it states I can't afford a Rolex so I bought this thing that looks like a $49 Bulova.
by midareff
Tue Sep 16, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9764

Re: Hamilton watches, worth the money?

I'm guessing your cell phone doesn't have a clock? No clocks home, office, car? Having said that, a watch is personal jewelry and as such it's value is in the eye of the beholder. 30 years ago I bought a black plastic Casio chronograph/stop/alarm for either $4.99 or $5.99. It went into saunas, pools...
by midareff
Mon Sep 15, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9764

Re: Key to happintess in retirement.

From where I sit this morning, 3 months from 67 and 2.5 years retired, I am in tune with the survey findings. Health is the number one issue, at least for me and I again agree with attitudes and perceptions with and for my health professionals. Other than that wifey and I have our hobbies and intere...
by midareff
Mon Sep 15, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 36
Views: 3719

Re: The dangerous practice of rebalancing...

In terms of strategic portfolio balance, before a pre-retired or retired family invests in risky assets, core retirement needs should be fully funded with risk-free (or nearly risk-free) income. Once these needs have been fully funded, remaining assets can be invested in equities or other types of r...
by midareff
Sat Sep 13, 2014 8:16 am
 
Forum: Investing - Theory, News & General
Topic: The dangerous practice of rebalancing...
Replies: 191
Views: 14013

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Having taken 5 trips to Thailand now I can't imagine how it would be disappointing as long as you don't spend all your time in the tourist areas. Chang Mai and Chang Rai along with most of the northern areas are beautiful, friendly, inexpensive and have incredible food. I agree. There are many many...
by midareff
Fri Sep 12, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5751

Re: Is there a "catch" in this Xfinity offer ?

and what's the price when the promo runs out? and how fast is their 50mb vs. the 30mb you have now?
by midareff
Fri Sep 12, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Is there a "catch" in this Xfinity offer ?
Replies: 23
Views: 1608

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Having taken 5 trips to Thailand now I can't imagine how it would be disappointing as long as you don't spend all your time in the tourist areas. Chang Mai and Chang Rai along with most of the northern areas are beautiful, friendly, inexpensive and have incredible food.
by midareff
Fri Sep 12, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5751

Re: Approach my boss about the promo he talked about 6mo ago

I can't see any harm in asking when a few minutes might be available in the schedule to discuss how things have been moving along. While time can fly that should ring a bell.
by midareff
Fri Sep 12, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Approach my boss about the promo he talked about 6mo ago?
Replies: 3
Views: 468

Re: Experience with dealer finding the exact car you want?

Whether the car is on their inventory, area inventory, has to be brought in or special ordered is separate and distinct from the negotiated price, which is all up to your skill.
by midareff
Thu Sep 11, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Experience with dealer finding the exact car you want?
Replies: 26
Views: 1773

Re: V6 or V8 engine for new Chrysler 300

Kosmo wrote:Test drive both engines. I prefer power over fuel efficiency.



+1 .... One day when you pull out to pass you'll be glad you did.
by midareff
Mon Sep 08, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1687

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Concur. Concur with Bertilak, I like the dynamic duo, plus the combo of TB and TS are good too. For a retirement set-and-forget, all-weather portfolio, my choice is the dynamic duo of Wellesley and Wellington. Just my opinion. Thanks for reading. Me 2. If you want to shake and bake with solid blue ...
by midareff
Sat Sep 06, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: Cash to draw on - Safe Withdrawal Rate

Because the CPI-U can eat you alive over an extended time period and some asset growth is generally required to offset that.... unless you are extremely wealthy with huge cash reserves. .. which makes no sense.
by midareff
Sat Sep 06, 2014 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Cash to draw on - Safe Withdrawal Rate
Replies: 10
Views: 1080

Re: RMD Process

I have both stocks and bonds in my IRA. As percentages of total portfolio about 15% equities and 38% bonds. IRA is perhaps 55% of total and RMD is 4 years away. I intend to withdraw from ST IG, which I will keep funded for about 3 years or so of RMD's. A least volatile thing.
by midareff
Sat Sep 06, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: RMD Process
Replies: 13
Views: 774

Re: Speeding in CT with NY license

There are specialty firms that specialize in fighting traffic infractions. In Miami we have known as the Ticket Clinic, who has about a 98% success record and charge $99 to handle the infraction. After 17 years I got a ticket for not coming to a full stop at a stop sign. I thought I had and decided ...
by midareff
Fri Sep 05, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Speeding in CT with NY license
Replies: 14
Views: 1232

Re: Thailand/Cambodia Travel Recommendations

An outfit www..smartours.com does an amazing job with that trip. Check them out.
by midareff
Thu Sep 04, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Thailand/Cambodia Travel Recommendations
Replies: 22
Views: 1361

Re: Hidden car key a thing of the past?

Have the same push button system, along with matching door handles. I keep a "key" in my pocket, wife keeps one in her bag. That way if one is lost, by us, a valet, etc., we can still get home :-).
by midareff
Thu Sep 04, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2572

Re: William Sharpe advises against rebalancing

I view rebalancing strictly as risk control measure. Whether it be stocks/bonds, International/Domestic, etc., that's what it is. You either do or don't have an AA .... whether it be equities to FI or within classes of equities your portfolio will drift over time. Correcting that drift at some point...
by midareff
Thu Sep 04, 2014 9:57 am
 
Forum: Investing - Theory, News & General
Topic: William Sharpe advises against rebalancing
Replies: 32
Views: 2629

Re: Markets defy experts

Interesting, thanks Larry.
by midareff
Thu Sep 04, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Markets defy experts
Replies: 20
Views: 2426

Re: Modulating The Larry Portfolio

Didn't someone say the only free lunch (on Wall Street) is diversification? Yes, you've stated this before but you never say what is diversification to you? It is having exposure to all the possible factors of small, value, MOM, etc? or is it exposure to each of the 9 boxes in the Morningstar X-Ray...
by midareff
Wed Sep 03, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Modulating The Larry Portfolio
Replies: 34
Views: 2328

Re: Travel Insurance for a "trip of a lifetime"

I would think the booking agent who set up the trip would have a reference. I take insurance for multi-week international tours since cancelled or late flights can really gum things up, but insurance covers little of that in reality. It is more for a medical situation that pops up that prevents you ...
by midareff
Wed Sep 03, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Travel Insurance for a "trip of a lifetime"
Replies: 36
Views: 2427

Re: Modulating The Larry Portfolio

Didn't someone say the only free lunch (on Wall Street) is diversification?
by midareff
Wed Sep 03, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Modulating The Larry Portfolio
Replies: 34
Views: 2328

Re: Bucket Path - Asset Allocation

There have been many threads here on glide paths, reverse glide paths, increasing and decreasing glide paths etc. Has there been any studies in following a bucket path towards asset allocation? Here is how I explain the bucket path. Say you decide you need $1M to retire. Assume you chose the three ...
by midareff
Tue Sep 02, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Bucket Path - Asset Allocation
Replies: 7
Views: 730

Re: Help Please: Retirement plan vs. Higher Salary

I think when you try to look down the road, and your earnings should increase yearly for many years, the 25% of total will be a huge contribution on the part of your employer. Being entirely self directed is huge as well, assuming you can be a well disciplined investor. I think adding high tax rate ...
by midareff
Tue Sep 02, 2014 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Retirement plan vs. Higher Salary
Replies: 35
Views: 3158

Re: New 2% cash back Mastercard from Citi

This may be a good card to have, a better alternative to the FIDO 1.5% VISA for those occasions when AMEX won't be accepted. Normally it takes me more than a year to get to the minimum reimbursement amount on the Visa and Fido sure makes it convenient with auto-pay, auto-cash back to my Fido accoun...
by midareff
Mon Sep 01, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23507

Re: No advantage of Slice and Dice vs 3Fund?

comparison of the 3fund portfolio vs 4fund vs coffeehouse (7fund): http://www.bogleheads.org/blog/the-coffeehouse-portfolio/ longterm (10yrs), they were all within 1% of each other. if so, then KISS theory says stick with the 3Fund? (kiss = keep it simple stupid) Gambler..... 5.92% vs. 7.23% for 15...
by midareff
Mon Sep 01, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 45
Views: 3492

Re: New 2% cash back Mastercard from Citi

This may be a good card to have, a better alternative to the FIDO 1.5% VISA for those occasions when AMEX won't be accepted. Normally it takes me more than a year to get to the minimum reimbursement amount on the Visa and Fido sure makes it convenient with auto-pay, auto-cash back to my Fido account...
by midareff
Mon Sep 01, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 222
Views: 23507

Re: table suggests total bond not best as diversifier

Call_Me_Op wrote:Back-testing can be hazardous to your wealth.



Amen, and to that I would add a Peter Lynchism..... know what you own and why you own it.
by midareff
Mon Sep 01, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: table suggests total bond not best as diversifier
Replies: 20
Views: 2008

Re: What Movie Have You [Recently] Watched?

We generally go to the movies every week, catching a week day pre noon show at the recently raised "early bird" price of $6.50 a ticket. :mrgreen: It was Expendables III last week, which while certainly not laden with deep meaning was quite entertaining. A late lunch/early dinner out alway...
by midareff
Mon Sep 01, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4486

Re: Poor Janus, a look at this once high flying fund family

JPH wrote:I did well with Janus for a long time. I got out in 2003 when they were involved in a market timing/after hours trading scandal.



same story here.
by midareff
Mon Sep 01, 2014 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7384

Re: Do you have class?

I have 5 and use 4 regularly. All are on auto pay in full monthly and all pay cash rewards. I use them (CC companies) like a cat does a scratching post. AX just offered a $20 credit if I use the card for $20 or more on Amazon by end of today. Bought $44 in color printer ink on sale for $36, less the...
by midareff
Sun Aug 31, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have class?
Replies: 15
Views: 1614

Re: short term investment as of today...

I CD since even if the money was needed in 4 years the interest with early termination should still be higher than .85%. A Limited Term Tax-Ex Fund is also an option but not shown.
by midareff
Sun Aug 31, 2014 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: short term investment as of today...
Replies: 8
Views: 578
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