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Re: Shoes for Plantar Fasciitis?

Have had and cured a few times. Nightboot has been very effective for me,, generally a week or less. If that does not work it's the Podietrist and a needle.
by midareff
Tue Oct 21, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 42
Views: 1376

Re: What tax software do you use and why

I use Turbo Tax at the beginning of the year to prepare an estimate for quarterly EFTPS payments. I monitor how things progress through the year for any significant changes and make any adjustments necessary to quarter 3 or 4's payments. After I have all the necessary year end reports and documents ...
by midareff
Sat Oct 18, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 44
Views: 1871

Re: "I've had it" at work - how often

It was way too often, maybe every other week, the last few years prior to retirement in 4/2012 at age 64. The politics at a municipal managerial job became insane with 13 commissioners and a new mayor all trying to look good to the voters at the expense of staff, not to mention a few less than forth...
by midareff
Sat Oct 18, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 120
Views: 9197

Re: What will you do when you retire?

Besides music, movies, news, reading, travel, photography, dining out, spending time with family and friends, exercising..... in fact I'm so busy retired and "doing nothing", not only has the day flown by but the last two and a half years have as well. Actually, I have so much "doing ...
by midareff
Fri Oct 17, 2014 3:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 37
Views: 3562

Re: First investment stratefy meeting with new FA, $6M trust

He said - we can do what you are describing, but hear me out, I think you can do better with a more carefully selected group of mutual funds to fill those categories. He then described how he chooses which funds to use for each - Large Cap for example, etc. He generally re-evaluates 3-4 times a yea...
by midareff
Thu Oct 16, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4458

Re: TBM too much treasury?

TBM is what TBM is. What it is NOT is a fund covering the TOTAL bond market. It does not contain TIPS, International Developed or Emerging Market Bonds, High Yield, Municipals and it under allocates Corporate. Discussions of it being market weighted are a bit silly in those circumstances. Even thoug...
by midareff
Thu Oct 16, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 64
Views: 3696

Re: Feeling very fortunate today!

Congratulations on your decision Starbux.... If for whatever reason you are comfortable staying a year or two longer in a great job, and in your 50's, do so and don't mind any criticism. There are going to be many pullbacks and (hopefully) new highs in your retired investing career, when you have de...
by midareff
Thu Oct 16, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4399

Re: Retired, my viewpoint has changed again.

I found some peace buy using Wm Bernstein's approach of having 20 -25 years of retirement expenses in "safe" products. Agreed, the current drop is just noise to me now, used to bother me when drops like this came and went. More interested in packing for next week's trip to NC than I am ab...
by midareff
Thu Oct 16, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired, my viewpoint has changed again.
Replies: 22
Views: 3114

Re: Treat all accts as 1 BIG account for AA or target 70/30

I look at the entire portfolio for AA modeling but maintain equities and bonds in taxable and IRA accounts. Reasoning being.. if equities take a big hit I want to be able to have some dry powder in that account.
by midareff
Thu Oct 16, 2014 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Treat all accts as 1 BIG account for AA or target 70/30 each
Replies: 7
Views: 868

Re: Poll: which portion of the chart shows higher volatility

I'll take a stab at it Nisi.... I'll pick left side as higher volatility but 9.5 vs. 9.6, a decrease in the approximate magnitude of 1%, is not a meaningful change I would be interested in making a portfolio change to go after.
by midareff
Thu Oct 16, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Poll: which portion of the chart shows higher volatility?
Replies: 26
Views: 1427

Re: The Role of Life Expectancy

Since I don't know how long I will live it makes it difficult to use that data. I know what the average expectancy is for my born on date, what span my parent's had, other than that, not so much. No one wants to go with life unlived due to monetary constraints, or spend the last few dining on dog fo...
by midareff
Wed Oct 15, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: The Role of Life Expectancy
Replies: 25
Views: 1646

Re: What happened to the audiophile?

P.S. Anyone else besides me ever mistake recorded sound for live? It happens to me several times a year, at outdoor events where I know there are going to be live performances and the outdoor speaker systems are good. I hear this crisp sound from a distance, and only as I get close enough to see th...
by midareff
Wed Oct 15, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3665

Re: What happened to the audiophile?

Where did they go? Most died out or lost interest. There are some die-hards left though. and one of them is right here. Then environmental regulations made manufacturing tubes even more expensive in the western world. So 90% of what was/is on the market comes from low to none existent quality contr...
by midareff
Wed Oct 15, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3665

Re: What Do You Keep In Your Bank Safe Deposit Box?

I gave up my bank box nearly a decade ago. Had a safe installed in my condo big enough for what I would want to keep secure for fire and theft. If the building was not in a secure area and super safe to start with I would have kept the bank box.
by midareff
Tue Oct 14, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2557

Re: Bill Sharpe on the 4% SWR rule (he thinks it's silly)

I have some issues with the way the whole SWR issue is walked up to. Let's suppose you have a $1M portfolio split 50/50. Equities @ 2% produce $10K in dividends, which you take to your bank to spend. Since you have sold nothing do you have a WR? Let's further suppose FI produces $25K of dividends of...
by midareff
Tue Oct 14, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Bill Sharpe on the 4% SWR rule (he thinks it's silly)
Replies: 51
Views: 4592

Re: Considering a more aggressive AA than age = bonds

66 and retired. Have glided down to 45/55 and do not expect to get any more conservative. I may even let it drift up to 50/50.
by midareff
Tue Oct 14, 2014 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering a more aggressive AA than age = bonds
Replies: 41
Views: 3243

Re: Asset allocation - early retirement

When you do your planning remember that your IRA will remain untouched for many years.... until RMD is required. In that light it's AA must stand on it's own with a reasonable split between equities and FI. Certain assets make more sense in an IRA than a taxable due to potential distributions such a...
by midareff
Mon Oct 13, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation - early retirement
Replies: 10
Views: 1331

Re: Credit Card Issue

I've had good service from FIA Card Services which services the Fido AMEX and VISA. Actually, as competitive as most financial services are these days if I received more than one instance of bad service I would probably close the account and move on.
by midareff
Mon Oct 13, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Issue
Replies: 26
Views: 1821

Re: Do you every turn your smart phone off?

I have mine programmed to not respond to callers not in my contact list after 10P or before 7A. Other than that it is rebooted only if it acts up which is maybe once in three months.
by midareff
Sun Oct 12, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 1893

Retired and end of month checking account balance?

Curious among those retired ... What balance you target as remaining in your checking account after the monthly bills have cleared but before the inflows for the next month's spending have come in (ie. SS, pensions, drawdown) ?

Thanks in advance.
by midareff
Sun Oct 12, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 1839

Re: Calculating dividend yield

SteveM wrote:Depends what you hope to achieve with the calculation. On financial forums, dividend yield is typically the last dividend times 4 (assuming quarterly dividends) divided by the current stock price.



That's what I use. When it is a monthly payout (bond fund) I use X 12.
by midareff
Sun Oct 12, 2014 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Calculating dividend yield
Replies: 9
Views: 822

Re: Suggest an AM - FM Stereo Receiver?

There is an Onkyo TX 905 available on eBay right now for $99 buy it now. The description says new in box with remote and cables. Since you are already familiar with this unit that seems a natural... try $75 and see if the seller bites.
by midareff
Sun Oct 12, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Suggest an AM - FM Stereo Receiver?
Replies: 24
Views: 1788

Re: New 2% cash back Mastercard from Citi

This thread has motivated me to (finally) open a Fidelity Cash Management Account as well as apply for the 2% American Express. I should have done this years ago, I've been using a 1% cash back card from USAA. Do you have the Fido card automatically paid from a checking account? I couldn't find a w...
by midareff
Thu Oct 09, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 232
Views: 26946

Re: Cash-Back Credit Cards

Does anyone out there have the US Bank Cash+ Visa? Are you happy with it? I was thinking of applying for this card, but will not if US Bank will be cutting benefits. I've read the number of 5% categories has been reduced and they changed the application process to require a branch visit. I was also...
by midareff
Wed Oct 08, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash-Back Credit Cards
Replies: 20
Views: 1685

Re: Cash-Back Credit Cards

Bonhomie wrote:American Express Blue Cash Preferred



+1 on the AMEX Card

PenFed 5% Gas Card

Fido 2% AMEX

Presently checking the Citi 1% + 1% as a possibly better alternative than the Fido 1.5% Visa for those not accepting AMEX.
by midareff
Wed Oct 08, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash-Back Credit Cards
Replies: 20
Views: 1685

Re: Retirees only, what was you average investment return?

I'm just going to guess about 7%. Between shoveling money into taxable, a Roth and Deferred Compensation, and then a D.R.O.P account it would have been more book keeping than it would have been worth... besides, it isn't as though any of it would change if I went through the exercise of tracking inv...
by midareff
Wed Oct 08, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3333

Re: Will Interm-Term Inv Grade Bonds Keep With Inflation?

My historical data (1962 - 2013) shows triple A's yielding 7.26% vs. 3.92% CPI-U for the period. That's 3.34% real but that's corporates and they won't do what you want in a market shock. From a quicker down and dirty analysis .. that's yesterday's news. Vanguard's Investor class IT IG fund averaged...
by midareff
Tue Oct 07, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Will Interm-Term Inv Grade Bonds Keep With Inflation?
Replies: 13
Views: 1258

Re: BND & BNDX Dividends

red5 wrote:I think if it is payable today then you would see the transactions tonight, after close of business.


which I believe will show in the after midnight posting.... meaning you should see it tomorrow morning in activity.
by midareff
Tue Oct 07, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: BND & BNDX Dividends
Replies: 5
Views: 296

Re: Cash In Credit Card Points? Or Keep Accumulating?

I turn them to cash and move the cash to an Ally MM as soon as I can. Better in my hands than theirs and points have an expiration date.
by midareff
Mon Oct 06, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash In Credit Card Points? Or Keep Accumulating?
Replies: 28
Views: 2480

Re: Hyundai vs. Toyota

As far as the check engine light.... disconnect one battery lead and count to ten, then reconnect. That should reset sensor causing the light to be on. Whether or not it comes back on, or how long it stays off if there is an issue can vary. .. and it just might vary by how much fuel is in the tank.
by midareff
Mon Oct 06, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 4677

Re: Do you deviate from the BH philosophy?

I slice and dice equally into six equity positions, TSM, TISM, SV, S Int, Health Care and Reits. I look at each one as an individual sector of the investable universe. For FI I slice into ST IG, IT IG, HY and LT and IT Munis. I am not very Bogleish with my Roth, which is slightly under 3% of total. ...
by midareff
Mon Oct 06, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3813

Re: Medicare Part D (Prescriptions), changing plans

I will be looking shortly. My mail order provider Optum Rx for AARP Medicare Rx has been what I would rate as an unacceptable service provider. On the other hand AARP United Health Medical Supplement has been flawless. Looks like Silverscript will be my choice ..... Midareff, I too was considering ...
by midareff
Sun Oct 05, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1702

Re: Fidelity Enhances Passwords

Amen on the LastPass.
by midareff
Sun Oct 05, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Enhances Passwords
Replies: 11
Views: 1601

Re: Pension Buyout Offer

I did a quick quote for $62,200. bought into an annuity starting in ten years and your pension number looks much better. I assume it starts at 65?
by midareff
Sun Oct 05, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension Buyout Offer
Replies: 5
Views: 564

Re: What was your initial AA and how has that worked out?

Started "heading" about 15 or 16 years ago about age 50. Was probably in the 70/30 or 65/35 range at that time although the portfolio was not structured the way I wanted due to fund availability in deferred compensation plans requiring less tax efficient funds to be in taxable for a counte...
by midareff
Sun Oct 05, 2014 9:29 am
 
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 2487

Re: Spreadsheet to track AA bands

I use an excel spreadsheet that I programmed but it calculates much more than AA.
by midareff
Sun Oct 05, 2014 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Spreadsheet to track AA bands
Replies: 8
Views: 549

Re: Medicare Part D (Prescriptions), changing plans

... On the other hand AARP United Health Medical Supplement has been flawless. Glad to hear that since that's who we just switched to for our supplemental policies. Can't speak highly enough of them. Unfortunately, I've had lots of use for it and Plan "F" covers everything, 100% no copays...
by midareff
Sun Oct 05, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1702

Re: Medicare Part D (Prescriptions), changing plans

I will be looking shortly. My mail order provider Optum Rx for AARP Medicare Rx has been what I would rate as an unacceptable service provider. On the other hand AARP United Health Medical Supplement has been flawless.

Looks like Silverscript will be my choice .....
by midareff
Sat Oct 04, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1702

Re: Withdrawals in retirement from balanced fund

I can't tell you what is right or wrong but (age 67 this Dec) what I'm doing is keeping (besides a year's market draw in money market) about 2.5 years of drawdown in LT Tax-Ex in taxable. It is not significantly price sensitive and still distributes a few basis points over the rolling CPI-U. I do a ...
by midareff
Sat Oct 04, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: Withdrawals in retirement from balanced fund
Replies: 10
Views: 917

Re: When life throws curve, live a little or save?

As long as you can keep aggressively paying off the student loans .. at a rate no less than $50K to $75K minimum yearly, go for this right now.
by midareff
Sat Oct 04, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: When life throws curve, live a little or save?
Replies: 19
Views: 2713

Re: DFA vs. Vanguard -The Whitecoat investor viewpoint

Kudos to Whitecoat for the work and thought that went into the article.
by midareff
Sat Oct 04, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: DFA vs. Vanguard -The Whitecoat investor viewpoint
Replies: 4
Views: 1060

Re: Portfolio sanity check please

If you want to be 100% in stocks, recommend your TSP include 75-80% C and 20-25% S to reflect their portion of the U.S. stock market. Right now, your money is all on large US stocks. Recommend you also consider adding I Fund (international) as a piece of your portfolio. +1 .. My thinking is more al...
by midareff
Fri Oct 03, 2014 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio sanity check please
Replies: 7
Views: 731

Re: Buffett vs. Bogleheads

That leaves what? 3 billion in bonds to tide you over during the rough patches. .... we are not discussing a normal portfolio and probably one we could only relate to with great difficulty, if at all.
by midareff
Thu Oct 02, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Buffett vs. Bogleheads
Replies: 46
Views: 3807

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: 43
Views: 3216

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: 56
Views: 3085

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: 51
Views: 2809

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: 53
Views: 3688

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: 1955

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: 2036

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: 2020
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