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DFA withdrawals when changing/dropping advisors

I've had a good relationship with a financial advisor for the last 5 years. Out of the blue the adviser nearly doubled his fee (fixed, like a retainer) and I'm thinking about pulling out. I'm a true buy and hold investor. The only portfolio changes we have made is when I've added funding or the annu...
by stedmakr
Sat Jun 07, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: DFA withdrawals when changing/dropping advisors
Replies: 5
Views: 398

Any Canadian Investors out there?

My daughter lives in Vancouver, BC and at 30 yrs old is ready to embark on a long term investing plan. She has a good job with a high tech company and may be able to invest as much as $25K per year. Her company offers a 401K type plan with a company called Manulife. I looked it up and Manulife is an...
by stedmakr
Tue Apr 16, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any Canadian Investors out there?
Replies: 12
Views: 558

Brokerage accounts identity theft and life savings

I'm starting to lose a little bit of sleep about the security of my life savings. I have a brokerage account that includes multiple funds. When I access the account via the internet to see the current value, I occasionaly have a moment of anxiety after I put in the password and the account informati...
by stedmakr
Wed Apr 03, 2013 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brokerage accounts identity theft and life savings
Replies: 18
Views: 2315

Re: Inground Pool

We bought a house 10 years ago that has an inground pool. We didn't want the pool but it came with the house. We don't have children. It seems like every year we realize that we can get by with less and less maintenance. The opening at the beginning of the year takes place over a weekend but after t...
by stedmakr
Sat Jun 23, 2012 8:48 am
 
Forum: Personal Consumer Issues
Topic: Inground Pool
Replies: 42
Views: 6318

Re: Law school

My son just graduated from one of the top schools out west. He did well in school but accumulated $120K+ debt and was on top of the world when after months of looking he was offered a $50K job. I believe its a simple supply and demand situation.
by stedmakr
Fri Mar 23, 2012 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Law school
Replies: 78
Views: 3862

Thought's on EmergDoc's original post

I retired from the Army after serving 30 years. One of the things that I learned at war college (the 22 year point) was that many of my contemporaries hadn't saved any money. Their savings were minimal. I was surprised about the number of officers that were living pay check to pay check. EmerDoc's p...
by stedmakr
Wed Sep 14, 2011 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Military Investing
Replies: 122
Views: 35120

The current market for attorneys

My son just graduated from a law school that ranks 15th in the nation. Half of his class is still looking for a job. He believes that many/most of the students that have jobs are making a lot less than what they thought they should make after graduation. Its a tough job market right now. My son was ...
by stedmakr
Tue Sep 13, 2011 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Should I go to] Law School
Replies: 77
Views: 10873

I read the book shortly after it came out a few years ago. If I recall correctly it received a bunch of media hype. Initially I was disappointed because there was very little about "the number", certainly nothing new. The title is sort of misleading. The book focused on qualitative aspects...
by stedmakr
Fri Mar 18, 2011 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: "The Number" by Lee Eisenberg (book)
Replies: 13
Views: 2817

I bought an aquarium

In my mid forties I bought a 120 gallon aquarium. My wife said it was a cheap mid life crises. I have a couple of close friends who (with kids out of college) divorced their wives and later remarried to much younger women.

No commentary - that is what happened.
by stedmakr
Wed Mar 02, 2011 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Mid Life Crisis?
Replies: 60
Views: 6330

Another Data Point

I'm retired from the Army. I ran 4 miles a day for most of the 30 years I was in the Army. I also did my share of forced Marches. I loved running. I wasn't fast enough to run competitively but enjoyed it so much that in addition to the required runs during the week I'd take a long run on the weekend...
by stedmakr
Sun Jan 16, 2011 9:16 am
 
Forum: Personal Consumer Issues
Topic: How healthy is running?
Replies: 69
Views: 5859

I feel compelled to mention that I have received excellent support from Cardiff Park over the last 3 years. The fees are low, the service is high and John Gorlow is an excellent listener. I couldn't be more pleased with the investment guidance and results that I have received at Cardiff Park.
by stedmakr
Fri Dec 04, 2009 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Evanson vs. Cardiff Park, revisited
Replies: 15
Views: 4211

Thanks for the responses

I feel much more comfortable and knowledgeable as I sort through this decision process.
by stedmakr
Thu Dec 03, 2009 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total bond allocation Index or Inflation Protected Bonds
Replies: 19
Views: 2823

Total bond allocation Index or Inflation Protected Bonds

I have my bond allocation heavily weighted in the Vanguard Total Bond Market Index fund. It is my belief that inflation will increase in the near term. I'm considering reweighting my bond allocation and shift most or all of my bond allocation to the Vanguard Inflation Protected Bond fund. Is this a ...
by stedmakr
Thu Dec 03, 2009 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond allocation Index or Inflation Protected Bonds
Replies: 19
Views: 2823

A happy retiree

I spent 30 years in the Army and would do it again if I had the opportunity. In my experience, military personnel have great values, a great work ethic and are committed to their mission. The duty however is hard, extremely stressful and can be very dangerous. We made 21 moves in 30 years. From a pu...
by stedmakr
Fri Oct 23, 2009 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Any military folks on here making a career or retired
Replies: 46
Views: 5713

One other consideration

The other issue that comes into play in the comp time vice overtime discussion is the value of accumulating comp time and then actually having additional days off. For many folks time off is more important than money. Another issue that should be considered is that after a year comp time reverts to ...
by stedmakr
Fri Jun 19, 2009 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overtime Tax Argument with Co-Worker
Replies: 28
Views: 3559

Bond allocation question - retirement portfolio

I believe many elderly individuals are faced with a similar decision. In the current economic environment does it make sense for a retired elderly person to reduce their bond exposure and flee to the safety of CDs, money market funds, etc. The portfolio is for an elderly single person. It is present...
by stedmakr
Sat Feb 21, 2009 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation question - retirement portfolio
Replies: 4
Views: 1329

Byrd Scholarship

My son received this scholarship 4 years ago and received $3000 per year for each year in college. I'm pretty sure that the scholarship is allocated to one student per high school each year. To the best of my knowledge it is fully merit based. I don't know the criteria for award but he was initially...
by stedmakr
Mon Apr 21, 2008 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Exactly is the Robt C. Byrd Honors College Scholarship?
Replies: 12
Views: 2468

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