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Re: canceled flight on AA: premium seat fee not refunded

Recently flew AA to ATL from MIA and back. If you want to check your bag at the ticket counter it's $25 a bag. If you check it at the gate it's free. We gate checked both ways. They are and have been my least favorite airline for many years.
by midareff
Thu Oct 30, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2099

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
Wed Oct 29, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 28489

Re: Social Security 2033 and beyond

How are you accounting for the possible cut in SS benefits in 2033 and beyond? Are you assuming it will get fixed or are you taking any active steps in your planning? Interesting question Starbux.... in 2033 I'll turn 86. Seeing as I'm retired 2.5 years and just raised my WR to 3% I doubt I'll have...
by midareff
Sun Oct 26, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Social Security 2033 and beyond
Replies: 15
Views: 1256

Re: Bucket Approach Redux

I'm guessing I see this subject a bit differently..... buckets, if you want to call them buckets, I see as nothing other than pools of funds at different risk/volatilely levels which are included in your overall AA. Start at checking/MM, then limited or short term bonds, intermediate term bonds, the...
by midareff
Sun Oct 26, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Bucket Approach Redux
Replies: 35
Views: 2559

Re: Best health insurance plan for a bad year (cancer)?

#2 would be my choice. I would find it unacceptable to be constrained by "in network" doctors or specialists when you are dealing with a life threatening condition and the costs of treatment are as astronomical as they are. Unfortunately, I was also diagnosed in 2013 and decided to go to a...
by midareff
Sun Oct 26, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Best health insurance plan for a bad year (cancer)?
Replies: 30
Views: 2277

Re: Vanguard Short Term Bond vs TIPS?

Just IMHO .... the intermediate TIPS fund is too sensitive to interest rate increases due to its duration, at least for me, and the short term just doesn't yield enough. The big BUT, is that's for me in my situation, retired. To possibly put things in a better perspective for you; if you had a cola'...
by midareff
Sat Oct 25, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Short Term Bond vs TIPS?
Replies: 3
Views: 663

Re: Time For Me to Kick Wellington Through The Goalpost of L

About 5 years ago, I made the incredibly wise decision (for me) to move nearly all my assets into VTINX (Vanguard's Target Retirement Fund). It had (and still has) almost exactly the AA wanted and that I held in individual funds. In the past few years, it has evolved nicely by adding foreign bonds ...
by midareff
Sat Oct 25, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 43
Views: 4766

Re: How often do you change your car's oil?

Drive 5k to 6k a year. Oil is changed at the annual inspection. After the covered maintenance period it will be when the "change oil" light comes on.
by midareff
Sat Oct 25, 2014 8:50 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6145

Re: Three Possible Outcomes for Future Investment Returns

Very interesting representation although total real return for the SP500 might be a more approprite illustrative tool. As a side note it certainly taints established portfolio surviveability withdrawal percentages. .... and thanks for the work Simplegift.
by midareff
Wed Oct 22, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Three Possible Outcomes for Future Investment Returns
Replies: 32
Views: 2312

Re: A MM account or not?

Fill buckets with cups and drops. Ally's drops are bigger than VG's,.... I use Ally checking and MM.
by midareff
Wed Oct 22, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: A MM account or not?
Replies: 9
Views: 1204

Re: Just wondering how you personally calculate net worth

If I was going to do a net worth, which I don't, I would take .75% of IRA + ROTH + taxable + home equity. Since my pension does not survive me it does not apply.
by midareff
Wed Oct 22, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3721

Re: buying this year and selling next year

Hello Some of the stocks I bought this year, I am not planning to sell them yet in 2014. May be in 2015 i will sell. So, when I am doing my 2014 taxes next spring, I will do nothing about these stocks yet correct? Because gain or loss will not be realized as of 2014 correct? Buy this year sell next...
by midareff
Wed Oct 22, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: buying this year and selling next year
Replies: 5
Views: 505

Re: Making an offer today

An offer 15% under the asking would not get an answer from me either if I was the seller. You have to come to grips with the reality some sellers are not sellers. ... they are hoping for something that will not happen. The comps are the comps and fair market is what it is. If your realtor can't sell...
by midareff
Wed Oct 22, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 44
Views: 4762

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: 47
Views: 2351

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: 54
Views: 2569

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: 151
Views: 12469

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: 3704

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: 4610

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: 67
Views: 4364

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: 52
Views: 6183

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: 3166

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: 894

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: 1460

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: 1669

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: 3735

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: 3735

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: 2589

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: 4642

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: 3332

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: 1354

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: 1888

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: 1924

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: 1945

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: 838

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: 1861

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: 237
Views: 28489

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: 1722

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: 1722

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: 3371

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: 1288

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: 300

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: 2508

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: 4699

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: 3851

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: 1743

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: 1684

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: 582

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: 2510

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: 567

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: 1743
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