Search found 4833 matches

by Browser
Sat Oct 17, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: Suggestions for 95-yr old MIL's new assisted living apartment
Replies: 53
Views: 4252

Re: Suggestions for 95-yr old MIL's new assisted living apartment

My mother is 98 and lives in an independent-living residence. Her apartment has a small kitchen and she likes to fix her own meals often, although there is a dining room with meals available also. Our major concerns for her have been these: 1) Falls - you have to do everything possible to minimize t...
by Browser
Sat Oct 17, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Do you prefer pulling a trailer with your car, or a car with your RV?
Replies: 50
Views: 3613

Re: Do you prefer pulling a trailer with your car, or a car with your RV?

Isn't the diesel VW Toureg affected by the VW diesel scandal?
by Browser
Sat Oct 17, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Do you prefer pulling a trailer with your car, or a car with your RV?
Replies: 50
Views: 3613

Re: Do you prefer pulling a trailer with your car, or a car with your RV?

BTW, I was looking at Airstream and they make a 16-foot trailer which, while rather pricey, is an Airstream. Base weight is 2860 lbs. Wonder what you think of that one and if a SUV tow-rated at 3500 lbs. is enough. You're asking this on an investment forum? You might check out the Airstream forum (...
by Browser
Fri Oct 16, 2015 10:45 pm
Forum: Investing - Theory, News & General
Topic: 30-Year TIPS Auction October 22 2015
Replies: 51
Views: 3653

Re: 30-Year TIPS Auction October 22 2015

Just another quick question: is there any circumstance which could justify owning 30-year TIPs instead of an equivalent amount in I-Bonds? The only two I can think of are that you can't own I-Bonds inside your tax-deferred account, and you are limited to $10K purchase per year. The $10K might not be...
by Browser
Fri Oct 16, 2015 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Can I justify converting $66K TIPS in TIRA to a Roth IRA?
Replies: 14
Views: 1271

Re: Can I justify converting $66K TIPS in TIRA to a Roth IRA?

You don't need to lose the inflation protection of the TIPS ladder with your RMDs. If you have to sell a TIPS in the IRA to take an RMD that you don't need for spending, you can buy the same TIPS in your taxable account, keeping the same ladder but split between two accounts. Are you always going t...
by Browser
Fri Oct 16, 2015 3:34 pm
Forum: Investing - Theory, News & General
Topic: 30-Year TIPS Auction October 22 2015
Replies: 51
Views: 3653

Re: 30-Year TIPS Auction October 22 2015

Something I have been pondering: The coupon rate of this TIPS is 0.750%. You can buy it at a 10-12% discount, and then you will collect 0.75% a year in interest on your accrued principal, which rises with inflation. That is 0.75% in cash flow, for 29 years, 4 months. The point is: The real yield of...
by Browser
Fri Oct 16, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Do you prefer pulling a trailer with your car, or a car with your RV?
Replies: 50
Views: 3613

Re: Do you prefer pulling a trailer with your car, or a car with your RV?

What do these numbers mean in terms of figuring out the total tow weight of the Airstream Sport 16' trailer? Hitch Weight (w/LP & w/o options, water & cargo) (lbs.) 350 Unit Base Weight (w/LP & w/o options, water & cargo) (lbs.) 2,860 Gross Vehicle Weight Rating (lbs.) 3,500 Net Carr...
by Browser
Fri Oct 16, 2015 8:29 am
Forum: Investing - Theory, News & General
Topic: 30-Year TIPS Auction October 22 2015
Replies: 51
Views: 3653

Re: 30-Year TIPS Auction October 22 2015

As an alternative to buying the long nominal treasury (TLT or EDV) for portfolio diversification purposes, what do you think of buying the 30-year TIP? I'm worried about the inflation risk of the long nominals, but I realized the long TIP would also carry the interest rate risk of the nominal if one...
by Browser
Fri Oct 16, 2015 8:22 am
Forum: Personal Consumer Issues
Topic: Do you prefer pulling a trailer with your car, or a car with your RV?
Replies: 50
Views: 3613

Re: Do you prefer pulling a trailer with your car, or a car with your RV?

I'm in the market for a new SUV and am trying to decide whether to get something that can pull a small trailer. I want to stay as small and economical with the SUV as possible and mainly interested in 5-passenger models without the 3rd row. For the most part, these seem to have a tow capacity of 350...
by Browser
Thu Oct 15, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: Do you prefer pulling a trailer with your car, or a car with your RV?
Replies: 50
Views: 3613

Re: Do you prefer pulling a trailer with your car, or a car with your RV?

I like the looks of this rig: As mentioned upthread, we can highly recommend the small fiberglass travel trailers and SUV tow vehicle as providing the greatest flexibility when camping, either in remote areas or established campgrounds. The trailers are very durable and much lighter than the larger...
by Browser
Thu Oct 15, 2015 8:25 am
Forum: Investing - Theory, News & General
Topic: [article on effect of missing 5 best or worst days of the year]
Replies: 30
Views: 2397

[article on effect of missing 5 best or worst days of the year]

Here's an interesting comparison of your stock market gains since 2000 with a lump sum investment if you had been able to miss the 5 worst days each year, missed the 5 best days, or simply done nothing. http://ei.marketwatch.com//Multimedia/2015/10/14/Photos/ZH/MW-DW421_timing_20151014135512_ZH.jpg?...
by Browser
Thu Oct 15, 2015 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Can I justify converting $66K TIPS in TIRA to a Roth IRA?
Replies: 14
Views: 1271

Re: Can I justify converting $66K TIPS in TIRA to a Roth IRA?

The problem I have with selling one of the bonds to provide cash for the RMDs is that cash earns nada for me while it's sitting there to fund my RMDs. I can, of course, sell just a few bonds each year just enough to cover the RMD but that's the hassle I'd like to eliminate for myself as I grow older...
by Browser
Wed Oct 14, 2015 4:45 pm
Forum: Personal Consumer Issues
Topic: Do you prefer pulling a trailer with your car, or a car with your RV?
Replies: 50
Views: 3613

Do you prefer pulling a trailer with your car, or a car with your RV?

I'd like to hear from recreational road warriors which they prefer and why: Pulling a travel trailer with your vehicle, or driving an RV and pulling a tow car? It would be nice to not have to worry about hitching two vehicles together, but I'm not sure I could get by with something like a Class B wi...
by Browser
Wed Oct 14, 2015 4:38 pm
Forum: Personal Consumer Issues
Topic: VW auto emissions problem - coming to your brand too?
Replies: 12
Views: 1339

Re: VW auto emissions problem - coming to your brand too?

Coming to your brand, perhaps, but not to your car unless you live in Europe or the U.K. Volkswagen was the only brand selling diesel models in the U.S. Of the brands mentioned, both Mercedes and Jeep sell diesels in the U.S. I'm thinking I'll be avoiding anything with diesel engines when I buy my ...
by Browser
Wed Oct 14, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can estimated tax be covered by withholding?
Replies: 7
Views: 804

Re: Can estimated tax be covered by withholding?

When I found out about this, I stopped paying estimated taxes and have the amount needed to cover my taxes withheld from my retirement distribution at the end of each calendar year. However, my state wants estimated taxes to be paid. Since I wanted to get rid of the hassle, I just didn't do it and I...
by Browser
Wed Oct 14, 2015 10:58 am
Forum: Personal Consumer Issues
Topic: VW auto emissions problem - coming to your brand too?
Replies: 12
Views: 1339

VW auto emissions problem - coming to your brand too?

So, it looks like the new emissions testing regime outside the lab is turning up more brands with the "issue." Wonder where this is going? Hopefully there is no deliberate deception, but who knows? Mercedes-Benz, Honda, Mazda and Mitsubishi are producing cars which emit far more pollution ...
by Browser
Tue Oct 13, 2015 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Can I justify converting $66K TIPS in TIRA to a Roth IRA?
Replies: 14
Views: 1271

Re: Can I justify converting $66K TIPS in TIRA to a Roth IRA?

I have only one TIRA. The bulk of my assets are in my TIAA 403(b) where I am currently earning between 3% - 4% in Traditional and have no wish to transfer anything to my TIRA and roll the dice over there. The TIRA has only the TIPS ladder. Before I started taking social security and was in a lower b...
by Browser
Tue Oct 13, 2015 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Can I justify converting $66K TIPS in TIRA to a Roth IRA?
Replies: 14
Views: 1271

Can I justify converting $66K TIPS in TIRA to a Roth IRA?

I presently have $66,000 in a 6-year TIPS ladder that mature annually from 2024-2029. Having them in a TIRA is a bit of a pain because I must take my RMDs from this account. The interest paid out by the TIPS isn't sufficient to cover the RMDs, so I would need to sell a small amount of the TIPS each ...
by Browser
Mon Oct 12, 2015 1:48 pm
Forum: Personal Consumer Issues
Topic: SUV recommendation
Replies: 55
Views: 5011

Re: SUV recommendation

I don't even want to image what TomatoTomahto is going to do with his Tesla -- but he probably never leaves the metro confines. :) There is a Tesla service shop within 3 miles of my house. i have not left the Northeast via auto in many years, and there are loads of service and charging opportunitie...
by Browser
Mon Oct 12, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Snowbirds: how to deal with different mailing addresses
Replies: 8
Views: 1375

Re: Snowbirds: how to deal with different mailing addresses

I've run into the "no forwarding" problem with credit cards. It seems when new ones are mailed out they don't get forwarded from my winter address to my summer address - since I guess the financial institutions specify Do Not Forward on the letter. Hey, then I just found out it is a simple...
by Browser
Mon Oct 12, 2015 9:51 am
Forum: Personal Consumer Issues
Topic: SUV recommendation
Replies: 55
Views: 5011

Re: SUV recommendation

You seem to be leaning towards the Lexus so I would consider waiting for the redesigned RX350 that is due out at the end of 2015. It reportedly will have a third row of seats. It would certainly fit in the 50k to 60k range. Although given the RX's popularity you would probably be in for a wait. Als...
by Browser
Mon Oct 12, 2015 9:42 am
Forum: Personal Consumer Issues
Topic: SUV recommendation
Replies: 55
Views: 5011

Re: SUV recommendation

Perhaps you noticed that we finally "caved" and got an XC60, despite previous concerns and comments about the rough ride. We began to realize that with the streets here, including occasional major potholes, it was an exercise in futility to try to have "comfort over the nasty road ar...
by Browser
Mon Oct 12, 2015 9:16 am
Forum: Personal Consumer Issues
Topic: Anything bad to say about the Lexus RX-350?
Replies: 21
Views: 2157

Re: Anything bad to say about the Lexus RX-350?

I just both one. The deals on the remaining 2015 are excellent. We also are unsure about the redesign which might be too big. You can't beat Lexus quality. Just how good are those deals on the 2015? That's what I'd get because the restyled 2016 looks hideous with Toyota's new ugly front end grille ...
by Browser
Sun Oct 11, 2015 9:42 pm
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: Is there a problem with glidepath (target date funds) for retirement savers?

Browser - I have highlighted the problem with your analysis. For simplicity, you have made a truly bogus assumption. If you invest over 30 years, you are compounding your early contributions for more years and your expected returns are also higher in the earlier years. By assuming zero growth you h...
by Browser
Sun Oct 11, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: Anything bad to say about the Lexus RX-350?
Replies: 21
Views: 2157

Re: Anything bad to say about the Lexus RX-350?

The bad? It's boring and ubiquitous. Those are pretty tame negatives, and I wouldn't have gone wrong by concluding my crossover shopping with an RX. I feel as though about 50% of the cars I see on the road are RX'es (obvious exaggeration - though maybe not by much), so I ended up with a used Volvo ...
by Browser
Sun Oct 11, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: Anything bad to say about the Lexus RX-350?
Replies: 21
Views: 2157

Anything bad to say about the Lexus RX-350?

Thought I'd take a look at one of these in my continuing quest for my ideal 5-passenger SUV. Before I get too crazy with this one I'm wondering what the warts are. Would love to hear from owners and others what they don't like about it and why it's not worth the upscale price.
by Browser
Sun Oct 11, 2015 11:50 am
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: "Automatic' Gains for Target-Date Investors"

I think the simple fact remains this : Target Date funds since their inception have failed to outperform ordinary static balanced allocations, either in terms of maximizing the real value of one's nestegg or in terms of reducing uncertainty about the prospective income one will have in retirement. ...
by Browser
Sun Oct 11, 2015 11:31 am
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: Is there a problem with glidepath (target date funds) for retirement savers?

The glidepath strategy holds out the promise of reducing the volatility and drawdown risks of one's retirement portfolio as one approaches retirement, thus providing more certainty about the income it can provide during retirement. I don't agree that the glidepath method actually does that effective...
by Browser
Sun Oct 11, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: Is there a problem with glidepath (target date funds) for retirement savers?

I think the simple fact remains this : Target Date funds since their inception have failed to outperform ordinary static balanced allocations, either in terms of maximizing the real value of one's nestegg or in terms of reducing uncertainty about the prospective income one will have in retirement. ...
by Browser
Sat Oct 10, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: Is there a problem with glidepath (target date funds) for retirement savers?

It's worth noting that Arnott, et. al. found that, if you measure the success of glidepath in terms of ending portfolio value (higher being better), the range of ending portfolio values (smaller being better), or the downside ending portfolio value (higher being better) then a static allocation appa...
by Browser
Fri Oct 09, 2015 3:35 pm
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: Is there a problem with glidepath (target date funds) for retirement savers?

Browser - This is my understanding of Target Date Retirement Funds. I think Target Date Funds are especially important to the vast majority of workers who have no idea how to invest and have no interest in learning. Vanguard, Fidelity and T.Rowe Price designed their Target Date Funds for them, so t...
by Browser
Fri Oct 09, 2015 3:25 pm
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: Is there a problem with glidepath (target date funds) for retirement savers?

Kosmo - I'm not sure a fully understand your point. In your second example, you show a series of allocations that violate the glidepath. The allocation to stocks goes from 80% to 20% and then back to 50%. This wouldn't be a glidepath allocation formula, which systematically lowers stock allocation o...
by Browser
Fri Oct 09, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: The best way to save yourself from a stock market crash?

I'm not completely confident that they (target-date funds) are necessarily the best way to save yourself from a stock market crash Browser: What do you suggest is the "best way?" Thank you and best wishes Taylor Well, let me say that the target date method seems to have lots of room for i...
by Browser
Fri Oct 09, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone tried to buy a new VW?
Replies: 14
Views: 2123

Re: Has anyone tried to buy a new VW?

Hope we don't turn this thread into another VW rant and have it locked. I'd really like to hear if someone has been shopping VW trying to get a discount price and if they've been successful. I might be interested in pursuing that route if it looks promising. I'd even buy a diesel if I thought the de...
by Browser
Fri Oct 09, 2015 1:55 pm
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: Is there a problem with glidepath (target date funds) for retirement savers?

Browser: It is notable that experts in ALL major companies (including Vanguard) have designed similar target-date glide paths. To my knowledge, they ALL begin with a high allocation to stocks at younger ages and end with a high allocation to bonds in retirement. The primary reason is that most reti...
by Browser
Fri Oct 09, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone tried to buy a new VW?
Replies: 14
Views: 2123

Has anyone tried to buy a new VW?

I keep reading articles about how the values of used VWs are down and customers for VWs, even the non-diesels, are cautious. Seems like a good time to try to buy one, but if I've thought of that the bozos probably have too and it won't work. Has anybody tried to get a good deal on a new one since th...
by Browser
Fri Oct 09, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: Made the phone carrier switch out of AT&T!
Replies: 19
Views: 3145

Re: Made the phone carrier switch out of AT&T!

Google voice does not seem that cut and dry. Android seems to provide operation that is more seamless compared to iOS especially regarding outgoing calls. Unless you switch MVNOs that frequently, is it worth the extra hassle? I just had my old number ported to Google Voice for $25 charge. You have ...
by Browser
Fri Oct 09, 2015 11:43 am
Forum: Personal Consumer Issues
Topic: Car Rear View Camera recommendations
Replies: 12
Views: 898

Re: Car Rear View Camera recommendations

You'll get used to it and find it more useful over time. I too found my built-in one 'useless' at first, but after about 6-8 months, I've grown to find it a very valuable accessory. You'll still likely check over your shoulder, but it's really helpful for parallel parking. I absolutely agree that t...
by Browser
Fri Oct 09, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: Is there a problem with glidepath (target date funds) for retirement savers?

no one knows what the right answer is until that last check is written to the funeral home.... 1. target date funds start with a high stock allocation and reduce it over time. 2. some people keep a 50-50 (or 60-40 or 40-60 or whatever) allocation thruout retirement. 3. and now some experts are advo...
by Browser
Fri Oct 09, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Car Rear View Camera recommendations
Replies: 12
Views: 898

Re: Car Rear View Camera recommendations

I hate my backup camera and never use it. I LOVEEE my backup sensors and always use them. I've wondered about that. When I've test driven new cars with a backup cam, it seems really difficult to use the dang thing to actually back into a space. I'd much rather just be able to look backwards, but mo...
by Browser
Fri Oct 09, 2015 11:11 am
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Re: Is there a problem with glidepath (target date funds) for retirement savers?

Most retirement investors should have a much higher allocation to stocks than they think they have in their target date fund, based on correctly determining the allocation based on dollars invested in stocks instead of percentage invested. Don't target date funds rebalance their holdings (stocks to...
by Browser
Fri Oct 09, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Car Rear View Camera recommendations
Replies: 12
Views: 898

Re: Car Rear View Camera recommendations

You can buy a backup cam to use with some Garmin GPS units. I believe it is wireless but that you need to connect it with wire to a tail light in order to that to switch it on when you shift into reverse and for power. Don't know how well they work, but am going to look into it since I have a Garmin...
by Browser
Fri Oct 09, 2015 8:50 am
Forum: Personal Consumer Issues
Topic: Made the phone carrier switch out of AT&T!
Replies: 19
Views: 3145

Re: Made the phone carrier switch out of AT&T!

Another idea would be to port your number to Google Voice or Ring.to. That way, if you are not happy with Airvoice, you can easilt switch to another AT&T MVNO, or even T-mo or one of their MVNOs without ever porting again. That's what I did several years ago, and it has allowed me to switch bet...
by Browser
Fri Oct 09, 2015 8:41 am
Forum: Investing - Theory, News & General
Topic: Is there a problem with glidepath (target date funds) for retirement savers?
Replies: 87
Views: 7143

Is there a problem with glidepath (target date funds) for retirement savers?

Investors who own target date funds and make regular contributions may unknowingly be overinvested in bonds relative to stocks over time. The theory behind target date funds is systematically shift the allocation from riskier stocks to conservative bonds over time. The problem with this approach for...
by Browser
Tue Oct 06, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 24649

Re: Aren't we overdoing electronic auto safety features?

When I was younger they used to sell small round domed shape mirrors that you could stick onto your existing outside mirror. I had some on my van for years. I also had some on a big truck (with only side view mirrors) I drive for a summer. They work great and increase what you can see a lot. You se...
by Browser
Tue Oct 06, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 24649

Re: Aren't we overdoing electronic auto safety features?

I noticed that the driver's side mirror on the Acura has the outer edge angled out differently from the rest of the mirror. The idea is to provide a wider field of vision outward. However, I found this to be quite distracting and didn't like it a bit when test driving the vehicle. None of the other ...
by Browser
Mon Oct 05, 2015 6:11 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 24649

Re: Aren't we overdoing electronic auto safety features?

One reason I bought the car I recently did is that I can actually see out the rear sides for merging. Not being able to do that eliminated all of my initial choices. My car also has blind spot detection. I will have to check again how far back it sees, but I think pretty far. The backing up cross t...
by Browser
Mon Oct 05, 2015 6:00 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 24649

Re: Aren't we overdoing electronic auto safety features?

One reason I bought the car I recently did is that I can actually see out the rear sides for merging. Not being able to do that eliminated all of my initial choices. My car also has blind spot detection. I will have to check again how far back it sees, but I think pretty far. The backing up cross t...
by Browser
Mon Oct 05, 2015 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2692
Views: 534806

Re: U.S. stocks in freefall

It goes up -- it goes down -- and it remains the same. The market to nowhere. :arrow:

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