Search found 97 matches

by RYD
Mon Apr 04, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Limestone Fireplace
Replies: 5
Views: 487

Re: Limestone Fireplace

Sorry, I was not clear in my post. They will be putting the limestone over the existing brick. The limestone is a mix of limestone and other materials. We are built on a foundation so the question of weight is a good one. Other than the weight issue is this a good choice to reface an old fireplace? ...
by RYD
Mon Apr 04, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Limestone Fireplace
Replies: 5
Views: 487

Limestone Fireplace

We are looking at redoing our old fireplace with limestone. They would cover the old brick with a mortar/cement mix to give a flat surface then apply the limestone coating over it. The contractor has references and has been doing it for 20 years. It looks great allows for a lot of flexibility in how...
by RYD
Mon Mar 07, 2016 12:08 pm
Forum: Investing - Theory, News & General
Topic: Living on dividend and interest a question
Replies: 30
Views: 2231

Re: Living on dividend and interest a question

Interesting that most comments relate to dividends or the equity portion of a portfolio. No one has mentioned of bonds. I use index funds and to date have always reinvested the interest from the Total Bond Fund but that could provide an income stream as well.
by RYD
Mon Mar 07, 2016 8:55 am
Forum: Investing - Theory, News & General
Topic: Living on dividend and interest a question
Replies: 30
Views: 2231

Living on dividend and interest a question

One area on withdrawal during retirement that I am unclear on is is the following, is living off dividends and interest the same as a % withdrawal such as the infamous4% a year? Admittedly you are not selling any stocks or bonds but you are taking away from the growth of which dividends and interest...
by RYD
Sat Feb 20, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Inurance Coverage
Replies: 18
Views: 1719

Re: Umbrella Inurance Coverage

Thanks to all for the input. It looks as if the price is reasonable and we will go with it. As noted having rental property requires that we have such a policy as bad things do happen. I will look in to make sure that I have coverage on the rental units as well as my home and other personal possessi...
by RYD
Fri Feb 19, 2016 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Inurance Coverage
Replies: 18
Views: 1719

Umbrella Inurance Coverage

I am looking at getting a 5M umbrella policy. It would cover my home and some rental property. The quote came in at 936.00. This seemed high to me for umbrella liability coverage.

Any Boogleheads have any experience with umbrella liability insurance?

THX
by RYD
Thu Nov 26, 2015 3:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving with Jack Bogle
Replies: 19
Views: 3686

Re: A Thanksgiving with Jack Bogle

A happy and joyous Thanksgiving to all BH's.

A special note of thanks to Mel, Taylor and Lady Geek for all you do THANK YOU

John
by RYD
Tue Nov 24, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Discount Package Tours
Replies: 6
Views: 890

Re: Discount Package Tours

Thanks to all we are busy looking at the sites noted. At this point in time, a river trip down (may be up ) the Mississippi is the winner but the race still has a long way to go. Oddly a cruise was not our original idea but as we read the Mississippi cruise sounded quite interesting. Thanks again to...
by RYD
Sun Nov 22, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: Discount Package Tours
Replies: 6
Views: 890

Discount Package Tours

Curious if any BH are aware of web sites that offer discounted package tours? I am looking for sites similar to Vacations to Go that offer discounts on cruises. I have recently retired and now can travel any time and would like to take advantage of last minute travel to receive lower costs. I have n...
by RYD
Fri Oct 02, 2015 6:58 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2015)
Replies: 17
Views: 2183

Re: madsinger monthly report (September 2015)

Thank you Madsinger quite interesting to see.

RYD
by RYD
Mon Aug 24, 2015 1:16 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 36589

Re: The Bogleheads' Silent Majority

I am recently retired and am doing nothing. I am comfortable with my AA. This is a good time to see how comfortable you are with your AA.

As to silent majority, I guess I am a member in good standing. Note that while I rarely post I do read BH regularly.
by RYD
Sat Dec 06, 2014 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Got earthquake insurance?
Replies: 35
Views: 2738

Re: Got earthquake insurance?

We live in Northern California and have it on our home as well rental property we own.
by RYD
Wed Nov 05, 2014 12:15 pm
Forum: Personal Consumer Issues
Topic: Shoes for the Garden
Replies: 23
Views: 1946

Re: Shoes for the Garden

THANKS to all for the responses. Seems my reuse of old sneakers is quite popular but as note I need something better due to mud and slipping. The Walmart boots like like the item and at a very good price. I just cannot see myself in clogs :happy As to comments on not to walk on mud as it compacts I ...
by RYD
Sun Nov 02, 2014 9:07 am
Forum: Personal Consumer Issues
Topic: Shoes for the Garden
Replies: 23
Views: 1946

Shoes for the Garden

Can anyone suggest good shoes to use in the garden that are able to be easily cleaned of mud and give good traction when working in the muddy parts of the yard. For years I have used my old shoes for garden shoes but of late mud and my concerns about of slipping and sliding have made me look into sh...
by RYD
Thu Aug 28, 2014 7:39 am
Forum: Personal Finance (Not Investing)
Topic: SS Benefits
Replies: 6
Views: 975

SS Benefits

It appears that I will be laid off in the next 30-60 days. This is not final but all indications are that it will happen. I am 63 soon to be 64. My plan is to enter semi-retirement meaning I would work only part time. In my industry I feel confident I can secure a good part time role. My question is...
by RYD
Sat Apr 19, 2014 8:19 am
Forum: Personal Consumer Issues
Topic: Golfer's elbow treatment
Replies: 7
Views: 805

Re: Golfer's elbow treatment

I am a golfer but had what is called Tennis Elbow, my doctor told me to go on line and buy [Suggested medical equipment and advice removed by admin LadyGeek]

As I am not a doctor you should see one to insure Tennis or Golf elbow is what you have.

John
by RYD
Fri Jan 03, 2014 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Animal Medicine Cost
Replies: 5
Views: 602

Animal Medicine Cost

We have an older cat who is insulin dependent diabetic. This is quite common in cats I am told about 1 in 400 develop this in later life. Quite easy to manage BUT the cost of Insulin has gone up over 70% in the past few months. Given that we do not have medical coverage for the cat we pay the full r...
by RYD
Fri Nov 08, 2013 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds
Replies: 39
Views: 2318

Re: Investing in Bonds

Abuss 386 My question is more around having Unguarded seed me a check each month or quarter for what the SEC yield was. I looked at the V site and I have an option to have endives ad interest reinvested so I guess I would chose to have Interest sent to me. I just want to insure that it is interest o...
by RYD
Fri Nov 08, 2013 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds
Replies: 39
Views: 2318

Re: Investing in Bonds

Magellan

Thanks for the clarification.

Curious if I am planning on living off the interest I would need to have the SEC yield sent to me monthly or quarterly. Does Vanguard do this?

RYD
by RYD
Fri Nov 08, 2013 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds
Replies: 39
Views: 2318

Re: Investing in Bonds

Magellan you wrote "Currently TBM has a distribution yield of 2.64%, but an SEC yield of only 2.15%. That means that about 20-25% of the fund's monthly distribution represents a return of capital rather than interest earnings. Spending that extra part of the distribution (over the SEC yield) is...
by RYD
Thu Oct 03, 2013 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Market Linked CD
Replies: 6
Views: 507

Re: Market Linked CD

Thanks to all for their input and comments.

I have decided to pass on this opportunity I suspect there is some upside but not sure I want the risk for this part of my portfolio.

Thanks to all again

John
by RYD
Thu Oct 03, 2013 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Market Linked CD
Replies: 6
Views: 507

Market Linked CD

We were rolling over a CD at US Bank when they offered my wife the option to go with a Market Linked CD. It is FDIC insured, pays 5% versus the .5 the CD does and is inked to to a basket of currencies. The rate is attractive BUT I have a basic rule that I do not invest in things I do not understand....
by RYD
Fri Sep 13, 2013 8:17 am
Forum: Personal Consumer Issues
Topic: Organ Donor
Replies: 6
Views: 985

Organ Donor

I am not sure this is common but I found it quite shocking. A friend of our son’s died quite unexpectedly. The family agreed to donate his organs. A few months later they received a 25K bill from the hospital for the removal of the organs. This sound quite unbelievable but it actually occurred. The ...
by RYD
Fri Jun 28, 2013 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Easy 50 50 AA
Replies: 1
Views: 457

Easy 50 50 AA

I am looking at moving my AA to a 50 50 mix. One of my objectives is to do this in a way that is easy for my wife to manage if anything happened to me. I do not want to leave her with rebalancing. I seem to remember reading about a mix of 2 Life Strategy funds that achieved this goal. I have not bee...
by RYD
Tue Jun 25, 2013 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Holding onto bonds. You agree?
Replies: 31
Views: 3801

Re: Holding onto bonds. You agree?

Thanks OGD I used the 50% just so the math is simple. Not as an true reality. Net is a person who plans on using TBM as part of their income would be fine with rates rising and in fact over time see income increase but have to accept that the NAV of the fund will have shrunk. Risk is if you need to ...
by RYD
Tue Jun 25, 2013 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Holding onto bonds. You agree?
Replies: 31
Views: 3801

Re: Holding on bonds. You agree?

One area this decline in NAV of bond funds has raised for me is its impact on income. As the original post states many use these funds for income as well as a balance against stocks in their AA. If the NAV drops from 1M to 500K does the income derived drop as well? I admit to being a bit confused ar...
by RYD
Tue Jun 25, 2013 8:32 am
Forum: Investing - Help with Personal Investments
Topic: This Market - what to do?
Replies: 26
Views: 2590

Re: This Market - what to do?

One area this declined in NAV of bond funds has raised for me is its impact income. As the original post states many depend on these funds for income as well as a balance against stocks in their AA. If the NAV drops from 1M to 500K does the income derived drop as well? I admit to being a bit confuse...
by RYD
Sat May 04, 2013 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Executor [of Estate. Anyone have experience?]
Replies: 14
Views: 1467

Executor [of Estate. Anyone have experience?]

We are looking at doing some modifications to our trust and are seriously considering putting a third party as executor of the estate. Many reasons but one is that I have seen far too many family fights and break ups over estates even those with well laid out plans. I am hoping that a third party ex...
by RYD
Tue Feb 12, 2013 9:18 am
Forum: Personal Finance (Not Investing)
Topic: On Line Banks and Trusts
Replies: 3
Views: 282

On Line Banks and Trusts

I have looked into using an On Line banks as they seem to offer rates better CD rates than brick and mortar banks. Neither Barclays or ING will allow me to open the CD up as a trust. Can anyone explain if this applies to all on line banks or just the two larger ones I looked into?

Thanks
by RYD
Sat Dec 29, 2012 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Three Fund Approach vs Vanguard Life Strategy Fund
Replies: 9
Views: 1699

Re: Three Fund Approach vs Vanguard Life Strategy Fund

Taylor

Curious why you chose Target rather than Life Strategy?

Thanks

John
by RYD
Sat Dec 29, 2012 9:15 am
Forum: Investing - Help with Personal Investments
Topic: How to do 50:50 split with LifeStrategy Funds
Replies: 21
Views: 2522

Re: How to do 50:50 split with LifeStrategy Funds

Lady Geek Thanks for the clarification. KyleAAA I think one of my motivations is to have some exposure to TIPS which are not in the LS offering. You can use a Target fund but that puts you on the glide path which over time alters the AA from your original choice. Googling AA I ran across a Taylor po...
by RYD
Fri Dec 28, 2012 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: How to do 50:50 split with LifeStrategy Funds
Replies: 21
Views: 2522

Re: How to do 50:50 split with LifeStrategy Funds

I am very seriously looking at doing this as well.

Just to be sure Lady Geek are you are referring to 15% of the bond allocation invested in TIPS versus 15% of the entire amount?
by RYD
Fri Dec 21, 2012 9:16 am
Forum: Investing - Help with Personal Investments
Topic: How to do 50:50 split with LifeStrategy Funds
Replies: 21
Views: 2522

Re: How to do 50:50 split with LifeStrategy Funds

Gort

Thank you for posting this question I have been looking at a way to do this.

My objective was to simplify my investments and not require yearly re balancing. The LS 60/40 with 10% TIPS is spot on

Thanks to all and Happy Holidays

RYD
by RYD
Tue Oct 23, 2012 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: ETF v Mutual Funds
Replies: 6
Views: 757

Re: ETF v Mutual Funds

Nisiprius

Thanks for getting me turned around I had it very wrong

Curious any views on Vanguard Hi Yield grade funds. Yields are good.

Tempted by rates but bonds are for safety to a large extent.
RYD
by RYD
Tue Oct 23, 2012 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: ETF v Mutual Funds
Replies: 6
Views: 757

Re: ETF v Mutual Funds

Thanks for the input.

One question is isn't Vanguard Intermediate-Term Investment Grade Fund, VFICX, a type of junk bond fund? I thought invetmen grade was a nice name for junk or lower quality. Good yields but safety concerns.
by RYD
Tue Oct 23, 2012 9:35 am
Forum: Investing - Help with Personal Investments
Topic: ETF v Mutual Funds
Replies: 6
Views: 757

ETF v Mutual Funds

I am looking at using Vanguard Intermediate-Term Corporate Bond ETF to balance the Government bond % in the Total Bond Market Index Fund. To be candid I have never used ETF. Other than being able to be traded at any time versus end of the day sale with index fund are there any other issues I should ...
by RYD
Wed Sep 19, 2012 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ceiling Insulation
Replies: 24
Views: 1432

Re: Ceiling Insulation

Thanks Benginner


RYD
by RYD
Wed Sep 19, 2012 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Ceiling Insulation
Replies: 24
Views: 1432

Re: Ceiling Insulation

What does ceiling penetration mean?
by RYD
Wed Sep 19, 2012 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ceiling Insulation
Replies: 24
Views: 1432

Re: Ceiling Insulation

WOW lots to think about. My home is a single story ranch. No attic just a space between the ceiling and the arch of the roof. We are in the San Francisco Bay east area. Winters we do get frost, and summers can be hot. The issues of moisture barrier and ceiling lights are good I had not thought of ei...
by RYD
Tue Sep 18, 2012 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Ceiling Insulation
Replies: 24
Views: 1432

Re: Ceiling Insulation

The roof is composite shake. Drywall in the house
by RYD
Tue Sep 18, 2012 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Ceiling Insulation
Replies: 24
Views: 1432

Ceiling Insulation

I am looking at insulating my ceiling. My home is 40+ years old and I suspect the insulation is not all that great. Question is it really worth it to insulate the ceiling? If so what is the best type to use? Seems there are a lot more options that the Owning Corning pink stuff I am familiar with. Th...
by RYD
Mon Sep 17, 2012 8:15 am
Forum: Forum Issues and Administration
Topic: Welcome new Advisory Board members
Replies: 16
Views: 2545

Re: Welcome new Advisory Board members

Thanks to all of you for your work

Great Job

John
by RYD
Mon Sep 10, 2012 1:34 pm
Forum: Investing - Theory, News & General
Topic: Congrats Mike Piper of "Oblivious Investor"!
Replies: 35
Views: 3963

Re: Congrats Mike Piper of "Oblivious Investor"!

Congratulations

Extremely well deserved a great site!!!

Keep up the great work

John
by RYD
Tue Sep 04, 2012 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cost-Efficient Options for Short-Term Rentals [1-3 Months]?
Replies: 10
Views: 1010

Re: Cost-Efficient Options for Short-Term Rentals [1-3 Month

Suggest you look at Vacation Rental by Owner web site

I know people who rent a condo in Palm Springs each winter for a month and get it through that site. I have used it for renting homes for weekends and for a week at a time. Overall good site
by RYD
Mon Jul 30, 2012 1:30 pm
Forum: Personal Consumer Issues
Topic: Cell phone plan recommendations
Replies: 29
Views: 4414

Re: Cell phone plan recommendations

Anyone us Virgin Mobile they have some low cost plans with some limits but were more than enough for my usage. They use VZ network. You do need to buy your own phone

RYD
by RYD
Sun Jul 29, 2012 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Why not a Target Fund?
Replies: 24
Views: 4276

Re: Why not a Target Fund?

Taylor Well stated and insightful as usual. I read today that CALPERS the Cal retirement fund achieved a 1% return last year. They have an extremely complex investment fund usisng hedge funds, LBO, real estate, VC and more than I could ever imagine. Maybe they should look at thte 3 fund portfolio or...
by RYD
Sat Jul 28, 2012 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Why not a Target Fund?
Replies: 24
Views: 4276

Re: Why not a Target Fund?

James SFO

Did you move for tax purposes or you just enjoy managing your account or another reason?
by RYD
Sat Jul 28, 2012 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Why not a Target Fund?
Replies: 24
Views: 4276

Re: Why not a Target Fund?

First thanks to all for their comments and insights. Seattle CPA your post captured the reason for my planned move to a Target account Arctic I do not think the issue is Target account rather it is picking one with the correct AA. Ignore the years and position pick by AA that you are comfortable wit...
by RYD
Thu Jul 26, 2012 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Why not a Target Fund?
Replies: 24
Views: 4276

Why not a Target Fund?

As I get closer to retirement I am looking at moving the vast majority of my investments in a Target account that matches most closely my AA going forward. I have for many years been invested in Vanguard Index funds and have rebalanced and such but I am asking myself why should I continue to do so i...
by RYD
Wed Jul 25, 2012 4:59 pm
Forum: Personal Consumer Issues
Topic: Using VOIP (internet phone)? Which One?
Replies: 63
Views: 6101

Re: Using VOIP (internet phone)? Which One?

VOIP or Voice over IP is a bit of a confusing term. Comcast and others offer VOIP at prices close to AT&T but a bit lower. The extremely low prices like Magic Jack are what are called unmanaged services. Difference is Comcast and others can guarantee bandwidth for the call thereby insuring a cer...

Go to advanced search