Search found 3370 matches

by midareff
Tue Jul 21, 2015 10:59 am
Forum: Investing - Theory, News & General
Topic: Best Portfolio Tracker
Replies: 12
Views: 1744

Re: Best Portfolio Tracker

Morningstar's tracker is fine, but isn't automated. It doesn't sync with your accounts. You have to manually enter all transactions, including dividends. True however... some reinvest, some pool, some take to bank and some do other Things with distributions so I think your criticism maybe u specifi...
by midareff
Tue Jul 21, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: Best Portfolio Tracker
Replies: 12
Views: 1744

Re: Best Portfolio Tracker

Morningstar's tracker is fine, but isn't automated. It doesn't sync with your accounts. You have to manually enter all transactions, including dividends. True however... some reinvest, some pool, some take to bank and some do other Things withdistributions so I think your criticism is user specific,.
by midareff
Tue Jul 21, 2015 1:54 am
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3295

Re: When did you start investing in the Market?

1972 or 1973 at about age 25/26. It's been a long ride and some times, like now, have been nicer than some others.
by midareff
Tue Jul 21, 2015 1:18 am
Forum: Investing - Theory, News & General
Topic: Best Portfolio Tracker
Replies: 12
Views: 1744

Re: Best Portfolio Tracker

Morningstar has an excellent tracker which is quite customizable. Data is also exportable to excell.
by midareff
Mon Jul 20, 2015 12:48 am
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 37
Views: 6538

Re: A retiree's personal experience...

Retired at 64 in early 2012. SS at 65. Wife retired in 2011 at 49. The bull has been extremely kind and our $ withdrawn has steadily increased to the current 3.2%. I'm writing this AM from the Amsterdam Hilton. Germany, Austria, Slovakia, Hungary and the Czech Republic to follow. When we get back I...
by midareff
Sun Jul 19, 2015 3:10 am
Forum: Personal Finance (Not Investing)
Topic: A retiree's personal experience...
Replies: 37
Views: 6538

Re: A retiree's personal experience...

Retired at 64 in early 2012. SS at 65. Wife retired in 2011 at 49. The bull has been extremely kind and our $ withdrawn has steadily increased to the current 3.2%. I'm writing this AM from the Amsterdam Hilton. Germany, Austria, Slovakia, Hungary and the Czech Republic to follow. When we get back I ...
by midareff
Wed Jul 15, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: Where do you put your cash?
Replies: 64
Views: 7728

Re: Where do you put your cash?

Ally Savings @ .99%
by midareff
Wed Jul 15, 2015 7:30 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6795

Re: I tipped 15% and got a dirty look

russelljohnson wrote:15% for acceptable service
0%-15% for bad service
15% - 20% for exceptional service

90% of the time, I receive acceptable service.



We feel the same way.
by midareff
Tue Jul 14, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Is vinyl used in some leather car seats?
Replies: 21
Views: 1459

Re: Is vinyl used in some leather car seats?

I think even Mercedes uses a pleather-like product. If they're doing it, I can't imagine that any other car maker, except maybe the really really rare ones (Bentley, etc.), are using real leather on every surface. They call the product MB-Tex and it is a textile product the salesman recommended to ...
by midareff
Tue Jul 14, 2015 6:35 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4080

Re: Cost of Routine Dental Cleanings

$100 at a dentist in his own office in an upscale neighborhood. $135 at a perio. $165 for a full x ray set.
by midareff
Mon Jul 13, 2015 6:18 am
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 2917

Re: Password Management

I use LastPass with long strong different passwords for all finan$ial $ites. Has anyone used a product like Lastpass with a financial integration service like Mint, Personal Capital or Yodlee? Do they play well together? Conceptually it seems like the LastPass would make it very difficult for the i...
by midareff
Sun Jul 12, 2015 8:04 am
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 2917

Re: Password Management

I use LastPass with long strong different passwords for all finan$ial $ites.
by midareff
Sat Jul 11, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: A Career in Golf?
Replies: 22
Views: 2441

Re: A Career in Golf?

FWIW if he wants to be a year round success at paying, coaching, managing, etc., he needs to be in a climate where they play year round. I think it is just that simple. Whether it is in the South or Southwest he will have to review the economics of what he can make and the areas cost of living.
by midareff
Sat Jul 11, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8564

Re: The Brainwashing of the American Investor

arcticpineapplecorp. wrote:He wrote "the book on investing": The Brainwashing of the American Investor: The Book that Wall Street Does Not Want You to Read

I would say the book that Wall Street Does Not Want You to Read has already been written and it's called "The Bogleheads Guide to Investing."



Amen!
by midareff
Sat Jul 11, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: If You Slice and Dice
Replies: 22
Views: 2968

Re: If You Slice and Dice

Call_Me_Op wrote:Slice and dice has nothing to do with tinkering. You define an asset allocation and stick with it.



Agreed... and I S&D but each asset class has a percentage target and bands wherein variation is allowed. I use a Roth which is about 3% of total to tinker, not my VG portfolio.
by midareff
Sat Jul 11, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2692

Re: Facebook's malware scan- legitimate or malware? Invasive?

InvestorNewb wrote:It's stories like this that remind me why I never joined Facebook.


ditto
by midareff
Sat Jul 11, 2015 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Favorite Fidelity Funds
Replies: 10
Views: 849

Re: Favorite Fidelity Funds

I have a Roth at Fido I use as a play account (maybe 3% of total). Currently it has Fido Health and Pharma funds, previously it had the Spartan Extended Market Index and prior to that EM and EM Bonds. Sometimes being lucky is all you need. A Boglehead S&D is at VG.
by midareff
Fri Jul 10, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 30 year or 15 year?
Replies: 56
Views: 4882

Re: Mortgage - 30 year or 15 year?

Thanks for the reply. I don't see the Penfed rate at 3.5% for a 30 year? Where do you see that? Thanks! A lot of people on this board seem to like throwing money away by paying off debt.:) Family CFO's make financial decisions based upon the most efficient and optimal use of capital. Much like well...
by midareff
Fri Jul 10, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: One car or two in semi-retirement?
Replies: 49
Views: 3339

Re: One car or two in semi-retirement?

We have one and are both retired. LOL, we still like each other and don't go anywhere without the other. There are lots of days the car doesn't leave the garage.... 32 months old and 14K miles. There is a possibility of a second car if I ever went back to an autocross hobby but outside of that it si...
by midareff
Fri Jul 10, 2015 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 30 year or 15 year?
Replies: 56
Views: 4882

Re: Mortgage - 30 year or 15 year?

A lot of people on this board seem to like throwing money away by paying off debt.:) Family CFO's make financial decisions based upon the most efficient and optimal use of capital. Much like well run public companies that have high cash flow, low debt and outstanding operating margins, a family tha...
by midareff
Fri Jul 10, 2015 7:41 am
Forum: Personal Consumer Issues
Topic: Roof done: call company to pay or wait from them to call?
Replies: 10
Views: 1462

Re: Roof done: call company to pay or wait from them to call?

Until the final inspection is done and it passes do nothing, and until it does pass you owe nothing. After you get a copy of the final sign-off you can call and ask they pickup their check or would they prefer it be mailed. ... LOL, or can you put it on a cash back credit card?
by midareff
Fri Jul 10, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying Friend's House - what to do about agent's commission
Replies: 17
Views: 1831

Re: Buying Friend's House - what to do about agent's commission

We've been working with a real estate agent off and on for about a year to find a house. The agent has done a good job but we just haven't found quite what we are looking for. Now a friend is selling their house without an agent and we really like the house. My agent hasn't done anything on this ho...
by midareff
Fri Jul 10, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3105

Re: What antivirus software?

I think you have to ask yourself how much damage (and the cost) would be done if you had to replace your computer, Why would you have to replace your computer? Because you were careful enough to back up your data, but not careful enough to create recovery media for your (no-longer-available) operat...
by midareff
Thu Jul 09, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Please help me improve my online security
Replies: 24
Views: 2423

Re: Please help me improve my online security

Online security is a tough subject and we try to protect ourselves as best we can. We use subscription versions of AVG Anti-Virus, Malwarebytes Internet Security and Malwarebytes Anti-Exploit on all computers. We use LastPass (password manager) and different very strong passwords at all sites that d...
by midareff
Thu Jul 09, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3105

Re: What antivirus software?

I used to use AVG Free and later added Malwarebytes Free but have become more concerned about potential issues in the last year or so since all my accounts are accessed by this computer. I believe the primary differences between the free and paid versions of both of those is that the free versions r...
by midareff
Wed Jul 08, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: Productivity Apps that you pay for
Replies: 21
Views: 1629

Re: Productivity Apps that you pay for

LastPass
Office 2010 (full)
Xemico's Active Desktop Calendar
Adobe's Lightroom
by midareff
Sun Jul 05, 2015 8:32 am
Forum: Investing - Theory, News & General
Topic: U.S. Bond Market Bubble
Replies: 44
Views: 4496

Re: U.S. Bond Market Bubble

http://i58.tinypic.com/mn2e5v.png This chart should give you a partial answer. It charts the Vanguard High Yield Corporate Bond Fund against High Yield Bonds and the Barclays US Aggregate Bond Index. Over 10 years, Vanguard High Yield grew from $10,000 to $18,927. High Yield Bonds grew to $18,167 a...
by midareff
Sat Jul 04, 2015 11:33 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6621

Re: Aren't we obsessing way too much about our portfolios?

I think there is a difference between obsessing about setting an asset allocation and following a preset asset allocation. I have an asset allocation that I follow. I do not really worry about it at all. I like it when my portfolio value goes up and I still like it when my portfolio value goes down...
by midareff
Sat Jul 04, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6621

Re: Aren't we obsessing way too much about our portfolios?

We are retired and 35% of our income is portfolio provided. That's the 35% that provides the finer things in life; toys, travel and (to us) luxuries. Travel once a year and use a Motel 6 or travel 4 or 5 times a year with suites and better airplane seating. A night out at Burger King or Morton's. A ...
by midareff
Sat Jul 04, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: U.S. Bond Market Bubble
Replies: 44
Views: 4496

Re: U.S. Bond Market Bubble

BahamaMan wrote::oops: :D



LOL +1 ....
by midareff
Sat Jul 04, 2015 10:28 am
Forum: Investing - Help with Personal Investments
Topic: How do you determine your personal glide path?
Replies: 23
Views: 2755

Re: How do you determine your personal glide path?

I stopped my glide path when I reached projected liability matching for near 25 years on the bond side. Roughly 50/50 and can't seem to find a logical reason to change. Have enough and am comfortable with my need, ability and willingness to take risk.
by midareff
Fri Jul 03, 2015 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: How often should I check my accounts online?
Replies: 20
Views: 2318

Re: How often should I check my accounts online?

Before I retired I would take a few minutes Saturday AM with a cup of joe and go throughh stuff. It's pretty fast with a password manager. Retired maybe 2x a week before the online newspapers.
by midareff
Thu Jul 02, 2015 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 135
Views: 10845

Re: Obsessing towards zero balance on credit card.

All cards are cash back and set to auto-pay in full. Why bother with anything else?
by midareff
Sun Jun 28, 2015 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card 2X cash back
Replies: 21
Views: 3021

Re: Discover card 2X cash back

Thanks for posting, but it's too late I'm afraid. Website says "* New customers only" but I called and gave it a shot anyway, no dice. Me: "Hi, my friend who also has a Discover card told me he called and got 2x cashback for a period." Discover rep: "I'm sorry sir, that off...
by midareff
Sun Jun 28, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 22
Views: 2798

Re: Is your home owner insurance going up 27% this year?

Shopping around is the key. Call a few majors and try an insurance agent or two.
by midareff
Sun Jun 28, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2547

Re: Upgrading to Windows 10?

We have a Win 7, an 8 and an 8.1 computer here. All loaded with various photo software's and drivers for older specialty color printers. We made the decision to not fix what isn't broken and won't be upgrading any of them.
by midareff
Sun Jun 28, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 48
Views: 4832

Re: can you recommend comfortable walking shoes?

You MUST try Skeechers. Their loafers are the most comfortable walking shoe I've ever used.
by midareff
Sun Jun 28, 2015 9:41 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5602

Re: Smart phone data usage

Prepaid carriers let you use a smartphone with no data but post paid carriers do not. I think T-Mobile was the last hold out. I remember having a Blackberry Pearl with no data plan, Wi-Fi only. I switch to a prepaid carrier before they required data plans for smartphones. AT&T allows as well on...
by midareff
Sat Jun 27, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4928

Re: are these legit Vanguard reviews?

My experience at VG is very different. Accounts opened (after the first) on the phone without issues. Transfers from roll-over IRA's to bank back and forth no problems. They have handled ,my paperwork and electronic transactions without issue.
by midareff
Sat Jun 27, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5602

Re: Smart phone data usage

Prepaid carriers let you use a smartphone with no data but post paid carriers do not. I think T-Mobile was the last hold out. I remember having a Blackberry Pearl with no data plan, Wi-Fi only. I switch to a prepaid carrier before they required data plans for smartphones. AT&T allows as well on...
by midareff
Thu Jun 25, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 5669

Re: Annoying problem with Lollipop (new Android 5.1 OS)

While it's not a true software solution why not stop turning it off. Set to only allow calls from contacts from x PM to y AM so you aren't disturbed.
by midareff
Thu Jun 25, 2015 8:41 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27799

Re: What ratio are you stocks/bonds and how old are you?

I'm 67, wife is 52. Presently at 49/49/2 equities/bonds/cash. My cola'd pension contributes 44% of our income, SS is 20% and the portfolio the remaining 36%. Pension and SS pay all normal expenses + some left over. Two comma portfolio at 3% pays for luxuries, foreign travel and the "finer"...
by midareff
Thu Jun 25, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: 10 year old car
Replies: 27
Views: 3233

Re: 10 year old car

I have a 10 year old Toyota Matrix with 120k miles- bought it 8 years ago. I plan to drive this car until I just can't drive it anymore, and I would likely pay for a major expense on the car if one occurred. I must admit that, although I've paid close attention to the mechanical needs of my car, I ...
by midareff
Thu Jun 25, 2015 8:04 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 8795

Re: Money arguments with spouse and how did you resolve

Having an argument with spouse over the need to send $3k to a cousin. Spouse insists that cousin is in cash crunch and will repay in 2 weeks or sooner. Apparently they are getting a bonus check next pay period and will be able to cover the $3k. I have been arguing that we don't want to be someone's...
by midareff
Wed Jun 24, 2015 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Grade vs Corporate bond fund
Replies: 8
Views: 776

Re: Investment Grade vs Corporate bond fund

They are different funds. VFIDX is actively managed, holds corporates, some government and a few other things as long as they are investment grade. It maintains a average duration in the 5.2 or 5.3 year range and has an SEC of 2.76%. It also has a $50K requirement for Admiral shares and is actively ...
by midareff
Wed Jun 24, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: I've got $80k burning a whole in my pocket, what should I do with it?
Replies: 21
Views: 2883

Re: I've got $80k burning a whole in my pocket, what should I do with it?

I had no idea there were dozens of medical schools in the Caribbean. I wonder if it's anything like the all the post graduate schools offering masters and doctoral degrees depending on your income? Without offense to the OP I recently had my eyes checked by a technician (in a licensed ophthalmologi...
by midareff
Wed Jun 24, 2015 1:46 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 7441

Re: Small Cap Index - What % of equities?

Similar approach used here... I slice equities evenly 6 ways between (using ETF symbols) VTI, VXUS, VSS, VBR, VNQ and VHT. Switching out VBR for the blend and either add or delete REITs and Health. I used to have VNQ and VHT as well. :beer I am still not completely sold on REIT's outperforming equi...
by midareff
Wed Jun 24, 2015 8:06 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 218
Views: 23798

Re: What was the 2008 crash like in real time?

Slow, agonizing and hard to find a place to hide from it. I remember Kashen being interviewed on TV the day it bottomed and shot up 400 points saying the trading floor had gotten dead quiet and everyone who was going to sell had sold. It was capitulation to him. I remember where I was then for that,...
by midareff
Wed Jun 24, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: I've got $80k burning a whole in my pocket, what should I do with it?
Replies: 21
Views: 2883

Re: I've got $80k burning a whole in my pocket, what should I do with it?

As this forum goes, I'm usually pretty far to one side when it comes to student loans. That is, at 4% or 5%, I'd consider paying them off more slowly than others would advise. At 6.9%, I gotta say you need to pay those off. Either the student loans or your mortgage. I can't warm up to borrowing $30...

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