Search found 137 matches

by Beehave
Sat Feb 17, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Investing vs paying off debt
Replies: 28
Views: 1527

Re: Investing vs paying off debt

You’d probably be appalled at how much interest you will pay on the car loan if you hold it for the full term, even at 3.3%. I wouldn’t trade it in because of the likely drop in value, plus transaction costs, but I’d try put at least half of that $1,000 toward the loan and keep the car for a long t...
by Beehave
Wed Feb 14, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 9789

Re: My Over $300K Vanguard Balance Disappeared?

Did your last transaction pass some threshold? For example, did it take you from "investor" level for a fund to the "admiral" level? I think under certain such conditions accounts can disappear and reappear from certain perspectives.
by Beehave
Wed Feb 14, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 82
Views: 5646

Re: Honda vs. Toyota: Which has more bang for the buck?

Can't go wrong with either one. They're the only two makes I would buy. Toyota might be a bit more reliable if you drive your cars until they die. Also quieter. Honda seems a little better interior design, sportier, and offers more intuitive features and Apple Carplay / Android Auto. The RAV-4, Hig...
by Beehave
Mon Feb 12, 2018 11:29 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6527

Re: Day trading for a living/career?

I strongly (STRONGLY) suggest no (one exception at end of this post). Here's why: . 1 . You: bright individual with limited financial resources and very limited technology . 2 . Your competition: a slew if individuals very similar to you PLUS a raft of deep-pocketed, world-class technology-wielding ...
by Beehave
Sat Feb 10, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Bond funds and stock funds, which one is riskier?
Replies: 50
Views: 4084

Re: Bond funds and stock funds, which one is riskier?

Trick question? For me stocks and bonds together do not comprise a diversified portfolio. There is the possibility that both go down in value simultaneously; for example, if government debt is increasing while the Fed is deleveraging (it could happen!) possibly causing interest rates to rise while t...
by Beehave
Fri Feb 09, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 3830

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I adore the concept of a performance european sports wagon but 99% of people on the road will view it as a station wagon period. Seems like a high premium to pay to impress a few automotive cognoscenti. Buying a car to impress people you don't know is a fool's errand. Who cares what everyone else t...
by Beehave
Thu Feb 08, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 107
Views: 10135

Re: Larry Swedroe: 4 Horsemen Of Your Portfolio

Larry Swedroe writes that the four long-term dangers faced by retirees are: "... historically high equity valuations, historically low bond yields, increasing longevity and, as a result, the increasing need for what can be very expensive long-term care." I'm surprised not to find inflation included...
by Beehave
Thu Feb 08, 2018 12:11 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 107
Views: 10135

Re: Larry Swedroe: 4 Horsemen Of Your Portfolio

Larry Swedroe writes that the four long-term dangers faced by retirees are: "... historically high equity valuations, historically low bond yields, increasing longevity and, as a result, the increasing need for what can be very expensive long-term care." I'm surprised not to find inflation included ...
by Beehave
Tue Feb 06, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5134

Re: Want a Safe Car, Feel Guilty

...V6 (my husband’s request)... I understand that it's your husband's request, but why? The V6's of yesteryear are comparable to the 4 cylinder engines we have today. The advances in engineering, CAD, and fuel ignition visualization are producing the best engines we have ever seen. Honda has droppe...
by Beehave
Sun Feb 04, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13443

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I'm a bit surprised at some of the answers OP has received, such as "being out of touch." OP is in OP's financial condition and is asking questions about that, and not about what people not in that situation should do. That seems to me to be quite "in touch." The basic response-theme above to OP's q...
by Beehave
Fri Feb 02, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Need some investment suggestion: will market crash big?
Replies: 21
Views: 2299

Re: Need some investment suggestion: will market crash big?

Looks like you have overall asset allocation of about 36% stock and 64% cash. You and your spouse have a conservative stock allocation because of family experiences. No one knows for sure what the market will do or when in terms of major moves. In your situation there is no screaming reason at all t...
by Beehave
Wed Jan 31, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Updates...
Replies: 16
Views: 2667

Re: Social Security Updates...

The question is a good one and not many people seem to understand fully the implications of the answer. The benefit increases each month you delay taking it. Here's what the Social Sec. website says, and below that are some important implications about the choice to delay or not that I've not seen d...
by Beehave
Mon Jan 29, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Unclear how to incorporate company pension into my asset allocation
Replies: 20
Views: 1401

Re: Unclear how to incorporate company pension into my asset allocation

I just don’t think the upside outweights the downside risks. Just me personally, but 0% cash is just fine for the investment portfolio. That wouldn’t be the case right before or during retirement.. Maybe we're in basic agreement. I agree that some cash is more of a benefit or necessity closer-in to...
by Beehave
Sun Jan 28, 2018 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Unclear how to incorporate company pension into my asset allocation
Replies: 20
Views: 1401

Re: Unclear how to incorporate company pension into my asset allocation

Stocks and bonds can crash at the same time. My opinion is that holding some cash is prudent. It diversifies risk and can be used to rebalance, especially if stocks and bonds tank together. It can also sit there for 10 years with inflation erosion. I don’t see the point of cash in the 401k at all.....
by Beehave
Sun Jan 28, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I roll over?
Replies: 3
Views: 388

Re: Should I roll over?

If you're happy with the current 401k fund choice and it is truly low cost, then you might just want let it be. 401k funds are highly protected against lawsuits by Federal law. IRAs are protected (generally very heavily) by state, but not Federal law. The Federal protection is considered better beca...
by Beehave
Sun Jan 28, 2018 12:11 am
Forum: Investing - Help with Personal Investments
Topic: Unclear how to incorporate company pension into my asset allocation
Replies: 20
Views: 1401

Re: Unclear how to incorporate company pension into my asset allocation

Stocks and bonds can crash at the same time. My opinion is that holding some cash is prudent. It diversifies risk and can be used to rebalance, especially if stocks and bonds tank together.
by Beehave
Sat Jan 27, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Unclear how to incorporate company pension into my asset allocation
Replies: 20
Views: 1401

Re: Unclear how to incorporate company pension into my asset allocation

Your pension is a cash accumulation fund. Eventually, you get the cash, with an option to annuitize that cash. It is a long-term holding, just like your 401k. Suppose you are earning $50K per annum and the company is tossing 2% in and it is earning 2%. Then at the end of year one you have $1K "princ...
by Beehave
Thu Jan 25, 2018 12:12 am
Forum: Investing - Help with Personal Investments
Topic: 100% stock mutual funds/ETFs with low drawdowns during 2008
Replies: 16
Views: 1128

Re: 100% stock mutual funds/ETFs with low drawdowns during 2008

I get your point, but if I tried to specialize in one sector I know that there'd be some out-of-the-blue, never-before-seen inflation or deflation black swan event that decimates exactly and only that sector disproportionately to every other possible investment. If I buy 5 year bonds, then there's a...
by Beehave
Wed Jan 24, 2018 11:06 pm
Forum: Investing - Theory, News & General
Topic: Any logic to picking multiple target date funds?
Replies: 16
Views: 1184

Re: Any logic to picking multiple target date funds?

My opinion is that there can be very good reasons to bucketize into an array of target date funds. 1. Some funds have different compositions for different date ranges (not just different percentages of the same component). For example - - adding TIPS or even commodities in the target retirement fund...
by Beehave
Tue Jan 23, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Late Investors at 50+, please advise. [Australia]
Replies: 1
Views: 273

Re: Late Investors at 50+, please advise. [Australia]

I'm surprised your post has remained unanswered for so long. There are many others far better than I am at parsing the details of your investments. But I'm reasonably good and conservative strategically, and I've been around the block (hope that idiom works well in Australia!). So I hope my comments...
by Beehave
Mon Jan 22, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: 22yo, help with asset allocation
Replies: 4
Views: 311

Re: 22yo, help with asset allocation

Your allocations and reasoning seem right on target to me. In fact, almost too good. Most people learn to invest the way you do by learning from mistakes they've made, and in a strange way I hope you are doing what you do because you burned your fingers once on some hot stove (bought a can't-miss hi...
by Beehave
Mon Jan 22, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Commodities for rising interest rates
Replies: 10
Views: 526

Re: Commodities for rising interest rates

I'm no expert, but I have an opinion... :? There are many ways to obtain and hold commodities -- buy ETF precious metal equivalents, buy mining stocks, buy the metals, invest with hedgers. Each has costs and risks and high volatility. You can parse them this way and that, but my opinion is that when...
by Beehave
Mon Jan 22, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Value of Defined Benefit Plan
Replies: 22
Views: 2438

Re: How to Calculate Value of Defined Benefit Plan

Given your situation, I think your asset allocation is fine. You have safety and "growth" in your inflation-adjusting pension. You have a prudent 50-50 balance in your investments for growth and safety. It looks like your housing is already or will easily be taken care of. If I were you I would trea...
by Beehave
Sat Jan 20, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my investments. Too much cash
Replies: 16
Views: 2030

Re: Help with my investments. Too much cash

Synchrony Bank offers high interest savings product. You can park emergency cash there. The New York 529 plan is usually well regarded for educational savings. If you would like to invest in ETF instead of mutual funds, then US stocks (VTI, or ITOT), and international stocks (VXUS, or IXUS) are the...
by Beehave
Sat Jan 20, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Value of Defined Benefit Plan
Replies: 22
Views: 2438

Re: How to Calculate Value of Defined Benefit Plan

Take the pension. Go to immediateannuities.com. You will see an "advanced calculator" function way at the bottom right. Click on it. Put in your age, your spouse's age, and pick a state of residence (I chose Maryland for you). Enter your monthly income of $7250 starting in two years. You will see th...
by Beehave
Sat Jan 20, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my investments. Too much cash
Replies: 16
Views: 2030

Re: Help with my investments. Too much cash

I think you will both like and hate my reply. I think your current proportions and investments look carefully thought out and in my opinion correct. I think your cash (versus bond) position, especially FDIC insured is great. I see no advantage to Merrill-BoA vs Wells-F in terms of FDIC-insured instr...
by Beehave
Sat Jan 20, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is there anything else I can do?
Replies: 10
Views: 1185

Re: Is there anything else I can do?

Hard to tell your stock - to - bond/cash allocation ratio. I see a cash balance fund of 220K (growing at maybe $19k per annum plus interest?) and a bond component from a 2025 fund. If that's all the cash and bonds you have this seems stock-heavy and you might just want to make sure about (a) having ...
by Beehave
Thu Jan 18, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7674

Re: Short Commute or Nicer House?

If it were me I'd focus on what will probably be best for the children. Even from just that one perspective, it's not an obvious choice. I think the decision for me would be choosing the suburbs if that meant the children could be outdoors unsupervised at least some of the time (assuming this is not...
by Beehave
Thu Jan 18, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 32
Views: 5252

Re: dryer vent cleaning--your thoughts?

Chimney sweeps or those duct sucker outfits will do it, but to get them out would have to be $100 for a 30min job. +1 If you need your roof power washed or your chimney swept, then the service person ought to be able and willing to clean the roof duct side for you at no extra or minor charge. You c...
by Beehave
Wed Jan 17, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Lost Job. Retirement/Portfolio Advice
Replies: 46
Views: 4402

Re: Lost Job. Retirement/Portfolio Advice

With 403b looks like you are in education or non-profit field. Is your new position, at lower pay and with no benefits, in the same field? Here's my take on your situation, and understand that it is coming from someone who had taught long ago, then had an over 30 year career in corporate life, was "...
by Beehave
Wed Jan 17, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Turning $45K of stocks into BH-worthy portfolio
Replies: 8
Views: 954

Re: Turning $45K of stocks into BH-worthy portfolio

Self-awareness is a great benefit and it sounds like you have it and are acting on it appropriately, especially in getting the support you mentioned. At work, is there a seasoned pro with a nice personality who might serve as a mentor to you? If this is a possibility, think it over. It might make wo...
by Beehave
Wed Jan 17, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 5097

Re: Friend Got Laid Off - Advice Needed

As suggested above - - get unemployment and health insurance squared away. My suggestions after that is to get certifications in data/systems security and then change management and/or project management. Your friend has a wealth of experience that is NOT obsolete. Your friend just needs to apply th...
by Beehave
Tue Jan 16, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 143
Views: 12700

Re: What is the best home exercise equipment?

Get a yoga mat and do Pilates for core and planks for strength. Include stretching. You can do this for all your life, retaining mobility, strength and a healthy back. Spin or row or treadmill (or whatever) can be an adjunct, or you can just go out for daily brisk walks for cardio. If you get one ma...
by Beehave
Tue Jan 16, 2018 6:56 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 379
Views: 62336

Re: What's your one big takeaway from the Crash of 2008?

Keep a reserve of cash and once the market goes down two or three thousand points start putting some in each time the market goes down another thousand. You'll be doing something proactive, so rather than being the punching bag, you are the puncher. If you don't like the idea of "catching the fallin...
by Beehave
Sun Jan 14, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Turning $45K of stocks into BH-worthy portfolio
Replies: 8
Views: 954

Re: Turning $45K of stocks into BH-worthy portfolio

Nice to hear back from you and glad if I can help. I hope others will comment with their views. First, regarding Roth IRA, it is an absolutely excellent thing to do. Here's info I copied and am pasting from rothira.com. "If you are single, you must have a modified adjusted gross income under $133,00...
by Beehave
Sun Jan 14, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Turning $45K of stocks into BH-worthy portfolio
Replies: 8
Views: 954

Re: Opening a Merrill Edge account - now what?

Welcome to the board! Here are my thoughts. You have $120k in liquid funds and $45k in individual stocks. You are moving the stock to ML which will allow you a number of free trades each month. I believe that the ML account will be very good cost-wise for ETFs, and okay but not great for mutual fund...
by Beehave
Sun Jan 14, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Within 10 years of retirement
Replies: 13
Views: 3614

Re: Within 10 years of retirement

Here are my thoughts. 1. Consolidation of spouse's multiple 401ks to Vanguard is probably a good idea: - Each 401k will require correct mandatory withdrawals or incur massive penalties after age 70.5. Much easier to deal with IRAs than 401ks in this respect and especially just one IRA. Simplificatio...
by Beehave
Sun Jan 14, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 8087

Re: Heading for a top?

I have no control over it, Why Fret.(Nothing to Fret About) Corrections,Bear Markets are healthy . That is when wealth is created (ifyou are steady buying) You just don't know it at the time. Invest. Reinvest :happy Agree, and this is a reason to keep cash on hand. Next downturn could easily see bo...
by Beehave
Sun Jan 14, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 6644

Re: Looking for a reasonably priced, safe international destination

Royal Caribbean out of Baltimore to Bermuda. They have excellent kids' programs on board that your children will enjoy and give you free time with your spouse. If you have the finances for it, Disney cruise out of Florida would probably even be better both because of the Disney theme, specific orien...
by Beehave
Sun Jan 14, 2018 12:35 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 3830

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

At least we're in agreement on the manual transmission. :sharebeer There's always common ground to be found. :sharebeer The lack of a manual is the one thing I miss about my 500 lbft beast of a car. I don't recall ever using an emoji before, but I liked the beer steins as a common ground indicator....
by Beehave
Sat Jan 13, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 3830

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

If you want to take pride in a vehicle and your driving get a Corolla manual 6-speed. It'll last forever with easy maintenance and you'll be connected with your driving experience far beyond any luxo coupe or wagon. With <140hp and wrong-wheel drive, I'll pass, thanks. I don't want to be "connected...
by Beehave
Sat Jan 13, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: More Funds More Rebalancing Opportunities?
Replies: 14
Views: 789

Re: More Funds More Rebalancing Opportunities?

I'm not a quant who can give the full statistical analysis. But I think a lot like you do on this issue and here's my take. - It's fun to take a fundamental allocation and then slice and dice to try to get an edge. As long as you don't start day trading and you stick with your allocations through ap...
by Beehave
Sat Jan 13, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help with young family portfolio
Replies: 12
Views: 1161

Re: Help with young family portfolio

I'm pretty new here and feel a bit presumptuous in saying this, but welcome to the board. I have a couple of suggestions. First, you should immediately get into your 401k with 5% employer contribution. This is priority #1. Second, pay off the car loan using your surplus monthly income. Do not deplet...
by Beehave
Sat Jan 13, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on investment strategy - first time poster
Replies: 5
Views: 353

Re: Advice on investment strategy - first time poster

My advice would be: - pay off the mortgage with your cash on hand (except if you like *** below) - build an FDIC-insured CD ladder with the remaining cash - keep your 50-50 stock/bond allocation - figure out your likely Social Security and pension benefits (choose an appropriate Soc'l Sec strategy w...
by Beehave
Sat Jan 13, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 3830

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I adore the concept of a performance european sports wagon but 99% of people on the road will view it as a station wagon period. Seems like a high premium to pay to impress a few automotive cognoscenti. Buying a car to impress people you don't know is a fool's errand. Who cares what everyone else t...
by Beehave
Thu Jan 11, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: How many years of fixed income for Sequence of Return Risk
Replies: 26
Views: 2044

Re: How many years of fixed income for Sequence of Return Risk

I don't think any of the posts indicate whether and how Social Security and pensions play in your considerations. In general, if there are secure sources of income to pay the basic bills, you can increase your allocation to stocks. In your situation, such as I understand it, any rebalance upping sto...
by Beehave
Thu Jan 11, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off 6.5% Student Loan or Invest
Replies: 22
Views: 1038

Re: Pay off 6.5% Student Loan or Invest

F150HD wrote:
Thu Jan 11, 2018 4:13 pm
Pay off the loan. Move on with life.
+1

Kill that student loan. Student loans are not dischargeable in bankruptcy. They should be paid off as rapidly as is reasonably possible because they are players in many worst-case risk scenarios.
by Beehave
Wed Jan 10, 2018 3:33 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 8067

Re: The reality hits - my dementia update

[Medical advice deleted by admin alex. I'm also deleting any followup posts. I understand the advice is well meant, but there is no way to know how readers will use the information presented. Even where advice is generally good, it may be detrimental in a given situation due to drug interactions or...
by Beehave
Mon Jan 08, 2018 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Life at a crossroad: seeking advice
Replies: 54
Views: 6829

Re: Life at a crossroad: seeking advice

With a PhD you can teach. You have up-to-date experience so you have a good leg up on getting a college-level position. If you've not taught before, it'll take two or three years of hard work to get your curricula together and after that, it is smooth sailing. Meanwhile, although you did not state w...
by Beehave
Mon Jan 08, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 8067

Re: The reality hits - my dementia update

[Medical advice deleted by admin alex. I'm also deleting any followup posts. I understand the advice is well meant, but there is no way to know how readers will use the information presented. Even where advice is generally good, it may be detrimental in a given situation due to drug interactions or...