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by midareff
Fri May 29, 2015 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Question for Rick Ferri and other pros
Replies: 8
Views: 1523

Re: Question for Rick Ferri and other pros

When you get to the withdrawal side of the equation things start to look a bit different. Shorter term bond funds produce less income but have less price volatility than longer term bond funds. Consider a 18 month or two year CD ladder, one a month for each month's portfolio contribution to income....
by midareff
Thu May 28, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Question for Rick Ferri and other pros
Replies: 8
Views: 1523

Re: Question for Rick Ferri and other pros

When you get to the withdrawal side of the equation things start to look a bit different. Shorter term bond funds produce less income but have less price volatility than longer term bond funds. Consider a 18 month or two year CD ladder, one a month for each month's portfolio contribution to income. ...
by midareff
Thu May 28, 2015 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: How shall I adjust my portfolio
Replies: 10
Views: 585

Re: How shall I adjust my portfolio

A guaranteed return of 4.75% is quite valuable in this environment. If it isn't a typo your mortgage of $12.4K @ 4.75% should be near, if not at the top of the list for elimination. For young investors such you as hubby I think Target date is an excellent way to go, or 2 fund with Total World (VT, I...
by midareff
Thu May 28, 2015 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: All cash now ($1M) - need advice on entering this lofty market
Replies: 75
Views: 6067

Re: All cash now ($1M) - need advice on entering this lofty market

It is always the wrong time to get back into the market. There's always a reason not to pull the trigger. It's too high. It's too low and going lower. Heavens knows where it will end. Been there. I know the feeling. Unsolicited opinion. 50 / 50 for your age is probably a good asset allocation. (I'm...
by midareff
Thu May 28, 2015 2:07 pm
Forum: Personal Consumer Issues
Topic: SSD + HDD good option for upgrading desktop PC?
Replies: 28
Views: 1306

Re: SSD + HDD good option for upgrading desktop PC?

Your boot times strike me as being on the slow side. Running Win 8 on a 250g SSD Samsung internal all in one with 16gig of ram and 3.2 turbo to 3.8, my start to splashed ADC's desktop calendar @ 27 or 28 seconds is my benchmark. That includes going through a login password screen. At that point the ...
by midareff
Thu May 28, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Citi double cash card vs. Amex Blue Everyday
Replies: 16
Views: 1453

Re: Citi double cash card vs. Amex Blue Everyday

The Citi 1 + 1 card is a MasterCard. We have the Fidelity Visa 1.5% and retired it when we got this one. We spend about $6K annually at the grocery store so the AMX Blue Cash Preferred 6% was a natural for us, we use it for grocery stores only. PenFed 5% cash back on gas, Fidelity AMX for 2% on ever...
by midareff
Thu May 28, 2015 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Retirement homes
Replies: 14
Views: 1881

Re: Retirement homes

About 25 years ago moved mom and dad into a "supported living" community. Buses and shuttles to provide transportation to/from doctors, malls, grocery store, etc. Full dinner served in dining room, café on premises for lunch if wanted (by meal extra) and small kitchen suitable for prepared...
by midareff
Wed May 27, 2015 9:41 am
Forum: Personal Consumer Issues
Topic: Tips for extended European Trip
Replies: 22
Views: 1275

Re: Tips for extended European Trip

[quote="OldTimer"]Here are my questions/comments, I am looking for some suggestions, what am I missing? We are going but "only" for three weeks this summer EU from Amsterdam to Prague on Viking so my comments may (or may not) be of help. 1. How best to pay for ongoing expenses at...
by midareff
Wed May 27, 2015 7:38 am
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 63
Views: 4498

Re: Should I shorten my last name?

My father also emigrated from Western Europe as a very young child and changed his name in the late 30's (I believe, actually have the document somewhere) before marrying my mother. Dad knocked off 5 characters leaving 6. Life is complex enough and if simplifying your "handle" makes it eas...
by midareff
Tue May 26, 2015 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Patient-Ordered Medical (Genetic) Tests
Replies: 20
Views: 1263

Re: Patient-Ordered Medical (Genetic) Tests

I think he would want to know, and should know. "Might" or "may" is not an answer. Sorry, you may ben talking about you, but that's by no means universal. Having spent many years dealing with breast cancer patients, I can tell you that many women with cancer don't want to know i...
by midareff
Tue May 26, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Patient-Ordered Medical (Genetic) Tests
Replies: 20
Views: 1263

Re: Patient-Ordered Medical (Genetic) Tests

I think he would want to know, and should know. "Might" or "may" is not an answer.
by midareff
Tue May 26, 2015 10:40 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 120
Views: 6049

Re: Once in a life time trip.

Where do you take 2 kids ( 8 year of age) on a vacation that they will never forget? Assuming you have saved 20K for this trip and 2 weeks. Sooo easy to answer this one... https://www.smartours.com/tour/kenya-wildlife-safari/ if you can swing it time and money wise add the 4 day extension to Tanzan...
by midareff
Tue May 26, 2015 9:03 am
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3962

Re: Why government bonds at all?

of course that's true Johno, "OTOH if the bond started out as junk and was upgraded to IG, it wouldn't have been in an IG index/fund when it was upgraded." , although VG has both High-Yield Bond Funds and IG Bond Funds that are not indexed and it would be nice to think there is some level ...
by midareff
Tue May 26, 2015 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 87
Views: 8690

Re: Friends/Family that don't invest!

I tend to think of investing and financial management as a skill set not everyone has an interest in or can learn, just as I don't have an interest in becoming skilled in foreign languages or playing an acceptable level of guitar. Have a friend whose advisor had her in all aggressive stocks and indi...
by midareff
Tue May 26, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 5395

Re: Still make sense to have AAA membership?

I started AAA about three years ago for roadside assistance. Have used them for a dead battery and a flat. With AARP, senior and retired government the discounts are generally not tops, but occasionally are. AFAIK, I changed my last tire long ago, I pay AARP for that now.
by midareff
Tue May 26, 2015 8:02 am
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3962

Re: Why government bonds at all?

I find it interesting that when we discuss corporates and default risk, which would increase and impact bond price with every downgrade even while remaining investment grade we never mention the opposite. Do we live in a world where corporates are NEVER upgraded, whether it is within investment grad...
by midareff
Mon May 25, 2015 5:36 pm
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3962

Re: Why government bonds at all?

Whether you look at investment grade SEC or distribution yields it is what it is, treasuries to corporates of similar duration. True, but you should also consider what the default rate on corporates would be in say a depression or even a brutal and protracted recession. You may be waiting quite a w...
by midareff
Mon May 25, 2015 3:28 pm
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3962

Re: Why government bonds at all?

OTOH, someone using 5% total AA balance bands and a 60/40 portfolio would have seen (from the 10/12/07 peak) would have seen S&P500 10% declines (5% portfolio AA shift) triggering a rebalance 6 times, possibly 7 before absolute bottom. This would have consumed their bond portfolio, or what they...
by midareff
Mon May 25, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Just bought new car, should I buy extended warranty?
Replies: 29
Views: 1279

Re: Just bought new car, should I buy extended warranty?

I never buy extended warranties, so essentially I self-insure. - I assume that if they are selling this product, then they are making money on it. - Things usually break when they are new (a defect) or old (falling apart). You would be covering the period when it is less likely for something to hap...
by midareff
Mon May 25, 2015 11:11 am
Forum: Investing - Theory, News & General
Topic: "Does Your Fund Manager Consistently Beat the Stock Market?"
Replies: 42
Views: 3335

Re: "Does Your Fund Manager Consistently Beat the Stock Market?"

Thank you very much for the response. I suggest you put VDIGX into M* and hit maximum. It will bring you a 23 year history showing a $10K investment in VDIGX resulted in $63,802 today vs. $81,712 for the S&P and $79,866 for the Vanguard VFINX 500 fund after expenses. If you want to cherry pick ...
by midareff
Mon May 25, 2015 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Ally Savings and MMA
Replies: 23
Views: 2883

Re: Ally Savings and MMA

Ally MM also offers checks. Savings does not.
by midareff
Mon May 25, 2015 9:41 am
Forum: Investing - Theory, News & General
Topic: "Does Your Fund Manager Consistently Beat the Stock Market?"
Replies: 42
Views: 3335

Re: "Does Your Fund Manager Consistently Beat the Stock Market?"

Taylor, Thanks for the article. As I read it, in the passive-active debate, this article is more favorable to the active side. Title: Does Your Fund Manager Consistently Beat the Stock Market? Conclusion (subtitle): Probably not--but you shouldn't much care. http://news.morningstar.com/articlenet/a...
by midareff
Mon May 25, 2015 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Dispute a credit card payment or not
Replies: 22
Views: 1757

Re: Disput a credit card payment or not

[I don't think you have a valid protest... the deal expired, unexercised. I believe this protest would be futile. Just to be clear Dell never said the deal expired on the 23 until after they had taken orders on the 24th under this deal and then apparently decided they would not honor them. As far a...
by midareff
Mon May 25, 2015 8:05 am
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3962

Re: Why government bonds at all?

Because they do really well during market crashes, or sharp sell offs. Treasuries are the one thing that didn't drop for me, but roose up nicely do to market demands. I was taught to keep the risk on the equity side of investments, and not the fixed income side. CDs, Treasuries. Out of curiosity, d...
by midareff
Sun May 24, 2015 3:57 pm
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3962

Re: Why government bonds at all?

Because they do really well during market crashes, or sharp sell offs. Treasuries are the one thing that didn't drop for me, but roose up nicely do to market demands. I was taught to keep the risk on the equity side of investments, and not the fixed income side. CDs, Treasuries. Out of curiosity, d...
by midareff
Sun May 24, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: Essential Security Computer Programs
Replies: 12
Views: 1206

Re: Essential Security Computer Programs

I used AVG free for years successfully and relatively recently added Malwarebytes Free. Over the last two months or so I came to the conclusion that I would prefer real time protection and upgraded both to real time versions. the AVG is called Internet Security and the Malwarebytes is the Premium. A...
by midareff
Sun May 24, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Dispute a credit card payment or not
Replies: 22
Views: 1757

Re: Disput a credit card payment or not

Hey everyone, I've never disputed a credit card payment before, and I'm wondering if it's worth it in the scenario I'm about to outline. Dell had a promotion on a Playstation 4 system bundle where you were supposed to get a 100 dollar dell egift card with purchase. I spent 400 dollars on the Playst...
by midareff
Sun May 24, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 44
Views: 5432

Re: Question about Citi Double Cash Card

INTRESIS wrote:Is it true that if you pay off your entire balance right away every month, you won't get the full 2% cash back?


Not true from personal experience.
by midareff
Sun May 24, 2015 3:39 pm
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3962

Re: Why government bonds at all?

Quote 'Nisiprius': "As for what a young person should do within a balanced portfolio that includes stocks, I think the question is "how much of the portfolio should be in something relatively low-risk?" I just can't believe that an investor who is 50% stocks is ever going to notice th...
by midareff
Sun May 24, 2015 8:56 am
Forum: Personal Consumer Issues
Topic: Viking river Cruise - Budapest to Nuremberg
Replies: 11
Views: 1564

Re: Viking river Cruise - Budapest to Nuremberg

Hi forum friends: Well my father and stepmom finally took my advice and surprised me greatly. They called to tell me they decided to take a river cruise. It shocked me but I'm delighted. I was trying to get them to do something they would enjoy or even travel 400 miles to see family. And they seeme...
by midareff
Sun May 24, 2015 8:35 am
Forum: Personal Consumer Issues
Topic: Recommend Anti-Virus/Internet Security Suite Please
Replies: 14
Views: 975

Re: Recommend Anti-Virus/Internet Security Suite Please

Malwarebytes Anti-malware free is good but works as a scanner when asked, the premium (paid) operates real time. I believe AVG Free is a good anti-virus and the Internet Security version (paid) includes a firewall. I run both premium (paid) on three home units from Win 7, Win 8 and Win 8.1. I am pre...
by midareff
Sun May 24, 2015 7:59 am
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 3962

Re: Why government bonds at all?

he relative performance of the mostly-corporate Vanguard Intermediate-Term Investment Grade bond fund (blue) and the Vanguard Intermediate-Term Treasury bond fund (orange) during 2008-2009 shows that pragmatic capitalists had more confidence in the Treasury than in corporations to pay their bills w...
by midareff
Sat May 23, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Acceptance of 'prize' when employer pays for function?
Replies: 8
Views: 1402

Re: Acceptance of 'prize' when employer pays for function?

My former employer had strict rules with zero tolerance which prohibited employees receiving gratuities in any form, from a meal to any gift as well as reporting regulations. I was at an exhibition that included a paid meal per diem as well as hotel and travel, and won a prize in a business card dra...
by midareff
Sat May 23, 2015 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Investing after Retirement
Replies: 10
Views: 1251

Re: Investing after Retirement

I am 64 years old and am going to retire in 3 months. I have no debt (own all my cars, home, etc.). I will have $3,200 (pre-tax) coming in each month from a pension and about $3,500 from Social Security (combined with my wife) at age 66. I also have a 401K with $110,000 and $90,000 in savings. I am...
by midareff
Sat May 23, 2015 8:24 am
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6847

Re: Bill Gross Thinks the End Is Near

Eventually he will be right to a greater or lesser extent. I suppose if you make a call and stick by it year after year it may come true and you can say you were the first to call it.
by midareff
Sat May 23, 2015 8:21 am
Forum: Investing - Theory, News & General
Topic: Different funds
Replies: 10
Views: 761

Re: Different funds

If Vanguard failed, or Fidelity/Schwab for that matter the repercussions in the world would be severe enough that nothing besides treasuries might be safe, and possibly not them either. As the writer stated, he has his at VG and so do I except for a small Roth at Fidelity. Having the eggs in one bas...
by midareff
Sat May 23, 2015 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Paying for Part D Medicare
Replies: 4
Views: 426

Re: Paying for Part D Medicare

I investigated switching this year but didn't. I was advised that enrolling at a different plan automatically cancelled the existing... don't know that I would trust that and I would call the plan I was leaving to advise of cancellation noting date, time and name of the agent taking the call.
by midareff
Sat May 23, 2015 7:18 am
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6847

Re: Bill Gross Thinks the End Is Near

Call_Me_Op wrote:noise



a useless "+1"
by midareff
Fri May 22, 2015 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Might sell house to a friend. What is fair?
Replies: 30
Views: 2082

Re: Might sell house to a friend. What is fair?

I think I'd average the fair market sale price estimates (not the suggested asking) and deduct the standard agent commission. That would be your sale net $. If you want to deduct a couple of $K's for not having to list, or friendship, so be it. Before I came up with a number though I'd show them the...
by midareff
Fri May 22, 2015 9:12 am
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2347

Re: What if the US stock market was only 25% of the world by market cap?

Seems like you are talking about the aftermath of a 50% or so decline in US equities comparative to those of the world. Smells like an opportunity to me. So are you buying Japanese stocks today? After all they have had a decline like that since 1990. Or how about UK stocks since they are drasticall...
by midareff
Thu May 21, 2015 5:04 pm
Forum: Investing - Theory, News & General
Topic: What if the US stock market was only 25% of the world by market cap?
Replies: 37
Views: 2347

Re: What if the US stock market was only 25% of the world by market cap?

Seems like you are talking about the aftermath of a 50% or so decline in US equities comparative to those of the world. Smells like an opportunity to me.
by midareff
Thu May 21, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Recommendations on digital camera and video camera
Replies: 16
Views: 687

Re: Recommendations on digital camera and video camera

To livesoft's point - point and shoot digital cameras have been widely replaced by smartphones. The Galaxy S5/S6 and latest iPhones rival recent point and shoot digital cameras. DSLRs have really come down in price with lower-priced entry models for everyday shooter AND they now nearly all include ...
by midareff
Thu May 21, 2015 4:40 pm
Forum: Personal Consumer Issues
Topic: Recommendations on digital camera and video camera
Replies: 16
Views: 687

Re: Recommendations on digital camera and video camera

The best website for digital cameras is dpreview.com. Most digital cameras these days are incredibly competent for photo and video, even the pocket sized ones. My first digital camera was in 1998 and the advances to today are mind boggling. If you can supply a price range and general style, pocketab...
by midareff
Thu May 21, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1625

Re: Malwarebytes Anti-Exploit

leehsm wrote:Can I use malwarebytes and/ or anti exploit on IPad and IPhone? Or are they not necessary?


We use AVG Free on tablets and phones.
by midareff
Thu May 21, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1625

Re: Malwarebytes Anti-Exploit

Spybot? Wow! I didn't know that was still around. I dumped it years ago when I went to Malwarebytes and SUPERAntiSpyware. Maybe I'll give it another try. Does it still run as long as it used to? I have never found run time cumbersome (high capacity boxes set up for mass photo processing) but it alm...
by midareff
Thu May 21, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 33
Views: 2218

Re: Penfed 0.99% auto loan

Penfed has a sale on their 4 year new (2014-15) car auto loan at 0.99% through Memorial Day. Interesting, the 3 year term is still 1.49%. Not a member of Penfed but I have heard they are strict in their lending decisions. What credit score is needed for that rate? Would they allow cash out refinanc...
by midareff
Thu May 21, 2015 12:32 pm
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 4537

Re: Too late to invest in Health Care Fund?

Where can someone view long term performance of the health and biotech sectors compared to market especially portfolio growth? Go to M* and enter VGHAX. When you get the chart click maximum, it will show you the last 31 years. Thanks, I hadn't seen the Maximum button there. I've calculated the rate...
by midareff
Thu May 21, 2015 12:19 pm
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 4537

Re: Too late to invest in Health Care Fund?

Reminds me of the Motley Fool's Dogs of the Dow approach. It was a winning approach up until they discovered it wasn't on a risk adjusted basis and moved on to other things. It's funny with individual stocks, the risk-return tends to maintain until you get right to the very cheapest, then it looks ...
by midareff
Thu May 21, 2015 8:40 am
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 4537

Re: Too late to invest in Health Care Fund?

Well this is where I think Efficient Market Hypothesis is really difficult to argue with .. In a reasonably efficient market, traders will know what's happening in the healthcare sector hours, even days, before the information's public - while fund managers will be assessing prospects and valuation...
by midareff
Thu May 21, 2015 8:37 am
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 4537

Re: Too late to invest in Health Care Fund?

A slice of VGHAX is in my holdings and has been for a few years. It owns 87 stocks spread across the health care spectrum with an emphasis on Biotech and Pharma. I owned it (disclosure: slice & dicer) before Obamacare added millions to the health networks, insurance companies, etc. I see health ...

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