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Re: Individual Stocks vs Vanguard ETF's/Mutual Funds

I'm currently 30 years old with no debt besides a mortgage on a rental property. I max out my 401k and HSA every year. I would like to begin contributed after tax money into an automated monthly investment account. I know everyone on here are big on Vanguard funds etc. However, for some reason I li...
by statsguy
Sun Mar 30, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual Stocks vs Vanguard ETF's/Mutual Funds
Replies: 29
Views: 3397

Re: Alternatives to Quicken

Bought a macbook July 2012. Tried iBank; it didn't deliver what was promised as far as reports go. Waste of money. Am currently running Quicken 2011 through a program called CrossOver, by Codeweavers. Cost me $40 with 6 mo. of support, rather than buying. I didn't need to call. Primarily designed f...
by statsguy
Sat Jan 25, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to Quicken
Replies: 41
Views: 25717

Re: Living Off of Dividends Alone

IMO, it’s certainly possible. But it is NOT bogleheadish! Fans of dividend investing will tell you that, if managed wisely, your dividends should grow with inflation. But it is theoretically more risky then a stock/bond mix. Dividend and dividend growth focused ETFs and funds are available from Van...
by statsguy
Fri Jan 24, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Living Off of Dividends Alone
Replies: 28
Views: 3124

Re: Dividend Stocks in 401k for Beta Protection

We own a portfolio of dividend stocks, which we originally purchased with funds from a mutual fund that invested in large cap US value. I would not think of them as a replacement for bonds or fixed income. They behave more like stocks than bonds. But it has been my experience that dividend stocks ha...
by statsguy
Sat Jan 18, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend Stocks in 401k for Beta Protection
Replies: 7
Views: 569

Re: Dividends/stocks and gains - please explain

Hi all, I heard that reinvesting dividends causes double taxation. Reinvesting or or taking the dividends as income will not effect your taxes. Some say the dividends are taxed twice because dividends are paid from the profits of the company paying the dividend. So the company pays taxes on its pro...
by statsguy
Mon Nov 25, 2013 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends/stocks and gains - please explain
Replies: 13
Views: 1132

Re: Poll: House value as % of assets when mortgage paid off.

Let see... In 2001, we paid off our house and it was about 30% of our net worth at the time. In 2009, we paid off our vacation home, and it that time, it was about 12% of our net worth. Both houses together were about 30% of net worth. In 2011, we bought a summer house (converting out 2001 purchase ...
by statsguy
Mon Nov 25, 2013 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: House value as % of assets when mortgage paid off.
Replies: 41
Views: 3069

Re: If you were retired, how would you spend your time?

We retired in 2011. I still work January until June but the other 6 months am retired. My typical day starts at 8am and I read internet headlines and blog til 10. Then statsgal and I walk our dog for an hour. We live in the country and so the walk is very enjoyable- lots of wildlife. Mondays we go t...
by statsguy
Mon Nov 11, 2013 8:07 pm
 
Forum: Personal Consumer Issues
Topic: If you were retired, how would you spend your time?
Replies: 90
Views: 7649

Re: Pay off mortgage sooner or invest in taxable funds?

I don't know what you should do, but this is what we did (years ago). We had a 30 year loan, figured out what the payment would be on a 15 year loan (you can find this using a mortgage calculator - there are lots of apps on web) and we paid that amount each month. We paid our house off in 12years. S...
by statsguy
Thu Oct 03, 2013 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage sooner or invest in taxable funds?
Replies: 28
Views: 3059

Re: Young Guys [and Gals] Making Good Money

It's not what you make but what you save. We retired while I was 56 with more than a million in our portfolio, about $900k in real estate, and a small pension of about $42k per year. I never made more than $92,000 in a year and my wife retired when she was 40 to bring up the kids. Making a 100k a y...
by statsguy
Tue Sep 24, 2013 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 23768

Re: Young Guys [and Gals] Making Good Money

It's not what you make but what you save. We retired while I was 56 with more than a million in our portfolio, about $900k in real estate, and a small pension of about $42k per year. I never made more than $92,000 in a year and my wife retired when she was 40 to bring up the kids. Making a 100k a ye...
by statsguy
Tue Sep 24, 2013 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 23768

Re: We have the money—now what? Real estate?

My only thought is, you should keep the mortgage on the rental and payoff the new house. This gives you a better tax situation than having the mortgage on your personal residence. We did that five years ago and are very happy with the choice. We get a bit of monthly income and pays down the mortgage...
by statsguy
Tue Sep 10, 2013 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: We have the money—now what? Real estate?
Replies: 31
Views: 4116

Re: Should retirement portfolios tilt toward dividend stocks

Vanguard says: "This fund is designed to provide investors with an above-average level of current income while offering exposure to the stock market." Blue, the high-dividend Equity-Income fund. Orange, 500 Index (S&P 500). For comparison, green, Total Bond. http://i41.tinypic.com/2dr...
by statsguy
Sat Aug 31, 2013 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Should retirement portfolios tilt toward dividend stocks?
Replies: 24
Views: 2333

Re: 27 years old - Attempt to pay off mortgage early???

I think it is great to payoff the mortgage when you are so young. I would have no qualms about liquidity since you have such a large free cash flow. And worst case scenario you could get a Home Equity loan. That said, if your plan requires you to not max your IRAs and 401ks then I would not pursue p...
by statsguy
Fri Aug 23, 2013 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 27 years old - Attempt to pay off mortgage early???
Replies: 21
Views: 2720

Re: Solar for Home - Is It Worth Doing?

FWIW- Update on our Solar Panels.

We have had our Solar Panels for 10 years now. This year our electric bill was $549 for our 2400 sq. ft. house. This is less than what one of our neighbors paid last month for his bill.

Stats
by statsguy
Sun Aug 18, 2013 9:15 am
 
Forum: Personal Consumer Issues
Topic: Solar for Home - Is It Worth Doing?
Replies: 44
Views: 5249

Re: dividend vs stock price

I don't follow a dividend stock strategy. It's not the craziest idea in the world, but the benefits are nowhere near as clearcut as advocates suggest. As you note, dividends are not a free lunch. It's not as if there were two kinds of stocks, otherwise equal, whose prices grows at the same rate onl...
by statsguy
Mon Jul 29, 2013 9:19 am
 
Forum: Investing - Theory, News & General
Topic: dividend vs stock price
Replies: 16
Views: 1204

Re: So... long term investors should IGNORE a bond fund's NA

It is my understanding that Bogleheads ignore bond NAV because they hold bonds to mute the volatility of their portfolio. So you own enough bonds to sleep well at night. It has little to do with being a long-term investor

Stats
by statsguy
Mon Jul 29, 2013 9:09 am
 
Forum: Investing - Theory, News & General
Topic: So... long term investors should IGNORE a bond fund's NAV?
Replies: 59
Views: 4273

Re: Where do MLPs fit into your AA

I use and asset allocation model that has domestic stocks, international stocks, emerging markets stocks, bonds, inflation protected bonds and REITS. I would like add add some MLP (the vehicle I use is FEN). Where would they fit? Whose percentage do I reduce? I assume it would be either REITs, Bond...
by statsguy
Sat Jul 27, 2013 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do MLPs fit into your AA
Replies: 17
Views: 1086

Re: Invest in one Kraft (KRFT) or Whole Foods (WFM)

I dont see whole foods market slowing down and on the other hand Kraft makes products that we all use and will slowly go into healthier foods as well. We invest in individual (dividend) stocks. I have considered both in the past, but don't think either is a very solid dividend stock. WFM cut its di...
by statsguy
Sat Jul 27, 2013 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in one Kraft (KRFT) or Whole Foods (WFM)
Replies: 23
Views: 1941

Re: How and when did you do it - to get to 1 Million

I didn't get a real job until I was 28 years old. I decided that I wanted to reach a number by age 40, but that number was not a million. I was married and we basically just saved/invested the entire salary of the higher paid spouse while paying living expenses and taxes with the lower paid spouse'...
by statsguy
Fri Jul 19, 2013 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 65
Views: 9581

Re: Does your home have solar panels?

We did put our solar panels on 20 year old roof. It cost us an extra $3500 (that is what I recall it may have been more or less) when we replaced our roof eight years later. On the positive side, we had 8 years of minimal electric bills (Around $600/year) that made paying for the roof easier.

Stats
by statsguy
Fri Jul 12, 2013 8:33 am
 
Forum: Personal Consumer Issues
Topic: Does your home have solar panels?
Replies: 77
Views: 5487

Re: Choosing a Fidelity account executive

I don''t know how to choose one. Our account executive helps us with dealing with Fidelity. When we were charged an odd fee, he researched it and figured out a way for us to avoid it. Rather than fill a form out and fax it to him, I can call and have him do it for me. For example, I was having troub...
by statsguy
Fri Jul 12, 2013 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing a Fidelity account executive
Replies: 13
Views: 977

Re: Retiree poll: What are you doing with your interest/divi

Retread wrote:
CABob wrote:I am reinvesting dividends within my IRA and am taking dividends from my taxable account into a money market/savings account. This is perhaps not suitable for all, but, seems to be the generally recommended consensus from this board.

Me too.
Bruce

Us too.
Stats
by statsguy
Thu Jul 11, 2013 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Retiree poll: What are you doing with your interest/dividend
Replies: 24
Views: 1674

Re: How should i start to save?

Right now, beginning is more important than aiming to save some huge amount. By consistently setting something aside every paycheck for retirement you will notice one day that it has grown to quite a sum. What we did. In about 1981, when IRAs became available to us, we funded them to the maximum. It...
by statsguy
Wed Jul 03, 2013 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: How should i start to save?
Replies: 14
Views: 1872

Re: Am I dumb for having a small emergency account?

I had a very secure job, Professor of Statistics with tenure, and we never had your typical emergency fund. We did have emergencies and we always found the money by taking some cash from our taxable account. Since retiring three years ago, our emergency fund has actually grown to about three months ...
by statsguy
Sun Jun 30, 2013 6:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I dumb for having a small emergency account?
Replies: 23
Views: 2842

Re: 457?

Best information at
http://Www.457bwise.com

Stats
by statsguy
Fri Jun 28, 2013 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Contributing to] 457?
Replies: 2
Views: 283

Scanning Receipts / OCR software

I want to scan receipts and attach them to transactions within Quicken. For this I need an OCR (Optical Character Recognition) software. I was thinking of getting the NeatDesk scanner. I liked the idea of the NeatDesk because the advertise that it easily attaches scanned receipts to Quicken transact...
by statsguy
Wed Jun 26, 2013 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Scanning Receipts / OCR software
Replies: 1
Views: 1021

Re: MSNMoney Excel Add-on Issues

How do you use Google within Excel? Is there an add in? Please provide more details or link to the add in. Google finance does not use an Excel addin. Google docs has its own versions of Excel, Word, and etc... The Google docs "Excel" program has many commands that do financial calculatio...
by statsguy
Mon Jun 24, 2013 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: MSNMoney Excel Add-on Issues (& other quoting options)
Replies: 20
Views: 1682

Re: Is there a long-term decline in returns on US equities?

I think this makes perfect sense. I know there were not classifications in 1881 like today, but back then the US would have been classified as emerging market or, more likely developing market. Today it is the quintessential developed market. As you go from emerging to developing to developed you sh...
by statsguy
Mon Jun 24, 2013 7:29 am
 
Forum: Investing - Theory, News & General
Topic: Is there a long-term decline in returns on US equities?
Replies: 22
Views: 1920

Re: MSNMoney Excel Add-on Issues

This program is no longer supported by Microsoft or MSN. You can get the same functionality and much more from Google finance. We switched over to Google finance about two years ago and are very happy with it.

Stats
by statsguy
Thu Jun 20, 2013 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: MSNMoney Excel Add-on Issues (& other quoting options)
Replies: 20
Views: 1682

Re: Looking for online international banking

Has she checked with her bank. When we lived in New Zealand, we routinely paid US bills with the online banking through our ASB bank account. There were no charges as I recall (this was about ten years ago).

Stats
by statsguy
Tue Jun 04, 2013 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for online international banking
Replies: 14
Views: 1016

Re: Home alarm security systems

We got FrontPoint about a year ago. I preferred it to ADT because of cost mostly. The setup was simple, it took us about twenty minutes mostly for us to stick the various gizmos on doors and walls. We have each door alarmed and have four motion sensors. The motion sensors are calibrated so that our ...
by statsguy
Fri May 31, 2013 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 2563

Re: Looking for safe investment that pays monthly interest

I will get the money in six to nine months and then, say its January 2014, I will be able to buy say a 5- or possibly 10-year bond. The current 10-year treasury currently has a yield of over 2%, which would be fine for my purposes but I would much prefer a rate above 2.5%. I think there is a good ch...
by statsguy
Fri May 31, 2013 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for safe investment that pays monthly interest
Replies: 10
Views: 1117

Re: Looking for safe investment that pays monthly interest

Just to clarify, you want to invest the property sale proceeds and use interest to pay the monthly mortgage payments? If so, why? Are you planning to buy another property so paying off the mortgage now limits liquidity? And why do you need monthly interest? If you want monthly interest youll need t...
by statsguy
Fri May 31, 2013 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for safe investment that pays monthly interest
Replies: 10
Views: 1117

Looking for safe investment that pays monthly interest

I am looking for a bond, preferably a treasury bond, that pays the interest in cash every month. In six to nine months I plan to sell some rental property that will give us enough cash to pay off our mortgage. The mortgage we have is a balloon mortgage which has a fixed rate of 2.25% for the next se...
by statsguy
Fri May 31, 2013 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking for safe investment that pays monthly interest
Replies: 10
Views: 1117

Re: Is it time to install a whole-house generator?

We just got a bid for a 20kW whole house generator from Cummins Oman unit. The price is $9300. This system is completely automatic and runs off propane. Looking at a few other options, this is first estimate. While replacing/repairing our basement discovered mold from at least two previous basement ...
by statsguy
Fri May 10, 2013 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Is it time to install a whole-house generator?
Replies: 193
Views: 17964

Re: Does your home have solar panels?

Yes. We installed Solar in 2003 (maybe it was 2001). Our electric bill has risen to about $800 year from about $700 a year when they were installed. Our home is rather large, with a spa and pool, and in California, most of our neighbors have at least one summer month when their rates are over $500 f...
by statsguy
Sat May 04, 2013 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Does your home have solar panels?
Replies: 77
Views: 5487

Re: plum creek lumber

I like the idea of owning timber as it has historically been relatively uncorrelated with the 500 Index and bonds. If you already do not own or plan to invest in a number of individual stocks, say at least 15 though more is better, I would not invest in a single stock. PCL would not be one of the fi...
by statsguy
Sun Apr 21, 2013 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: plum creek lumber
Replies: 35
Views: 4607

Re: Review my plan to ditch satellite service

We did just this a few years ago. To get clearer picture we needed to add a booster to our antenna. The booster cost about $25 and it cost another $15 to put an electric outlet near our antenna, which is in the attic. We are very satisfied getting about 30 channels in our area, almost all are HD. We...
by statsguy
Thu Apr 18, 2013 11:08 am
 
Forum: Personal Consumer Issues
Topic: Review my plan to ditch satellite service
Replies: 45
Views: 4591

Re: Integrating TIAA portfolio into overall allocation

For the record, my statement above about waiting for interest rates to rise before annuitize has been proved wrong. See this conversation at M* TIAA-CREF forum http://socialize.morningstar.com/NewSoc ... px#3408091

Stats
by statsguy
Sun Apr 14, 2013 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Integrating TIAA portfolio into overall allocation
Replies: 19
Views: 1083

Re: Integrating TIAA portfolio into overall allocation

Stats, I am intrigued by your last sentence. Given the vintage-rates structure of TIAA Traditional, how could you exppect to get a better annuity deal by waiting for a time of higher interest rates? We currently have vintages paying, especially in payout rates, much higher than current rates; and t...
by statsguy
Sat Apr 13, 2013 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Integrating TIAA portfolio into overall allocation
Replies: 19
Views: 1083

Re: Integrating TIAA portfolio into overall allocation

Thanks MNfinance... I was just thinking about that very issue. Our TIAA-Traditional are all RAs. By the way, I taught at three different research institutions and my wife worked at one so we have four accounts. This both gives us more options and complicates things. Still it is a great investment. T...
by statsguy
Sat Apr 13, 2013 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Integrating TIAA portfolio into overall allocation
Replies: 19
Views: 1083

Re: Integrating TIAA portfolio into overall allocation

TIAA Traditional Annuity is a stable value fund. We count it as part of our bond allocation. This is a very special investment. In my opinion, you would be crazy to shift it to another investment. The main drawback are the restrictions on withdrawing your money. It takes nine-years and a day to with...
by statsguy
Sat Apr 13, 2013 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Integrating TIAA portfolio into overall allocation
Replies: 19
Views: 1083

Re: Is TIAA-CREF pulling a fast one??

There is a poster on the m* tiaa-cref board
http://socialize.morningstar.com/NewSoc ... 00044.aspx
who can help you. He goes by the name crefwatch

Good luck
Stats

edited to correct poster name and give link
by statsguy
Fri Apr 12, 2013 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is TIAA-CREF pulling a fast one??
Replies: 21
Views: 2524

Re: Why do investors chase dividend paying strategies

FinancialDave... it is possible. This is our second year in retirement and we were able to get into the zero percent tax bracket on our dividends and capital gains. It will be the last year for awhile, as we lose two tax deductions (daughter and brother-in-law) next year and we will also lose the Am...
by statsguy
Wed Apr 10, 2013 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 439
Views: 38164

Re: Why do investors chase dividend paying strategies

Statsguy That is incorrect. The model has nothing to do with PREDICTING returns, only EXPLAINING returns of diversified portfolios. And it doesn't matter in this case about the FF model anyway because the research shows that div stocks and non payers have the same returns Larry My point is that the...
by statsguy
Wed Apr 10, 2013 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 439
Views: 38164

Re: Why do investors chase dividend paying strategies

In my opinion, many in this thread are drawing conclusions from the Fama and French model that are not appropriate. The way I understand it, Fama and French developed a mathematical model to predict returns. I do not want to take anything away from that achievement because it is an outstanding impro...
by statsguy
Tue Apr 09, 2013 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 439
Views: 38164

Re: Why do investors chase dividend paying strategies

Hi Ed, we follow a similar approach. One thing we do that you did not mention is listen to quarterly conference calls... I am listening to see how important the dividend is to the management. I prefer investing in a company that supports the dividend. Another difference is that we tend to supplemen...
by statsguy
Tue Apr 02, 2013 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 439
Views: 38164

Re: Why do investors chase dividend paying strategies

statsguy Also dividends on NOT fixed. They are variable and can go to zero as well. In fact as I pointed out in 2008 a large percent of companies cut dividends and a large percent eliminated them. Larry I don't know the actual percentage of dividend cuts. We had 3 cuts out of 23 companies (13%) but...
by statsguy
Tue Apr 02, 2013 1:01 am
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 439
Views: 38164

Re: Why do investors chase dividend paying strategies

It's also more valuable in one way that is directly measurable and very apparent to the investor -- you avoid the higher taxes on dividends. Even if they're all qualified dividends, the total return investor defers taxes for decades and comes out ahead. With good tax planning (or maybe simply earni...
by statsguy
Mon Apr 01, 2013 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 439
Views: 38164
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