Search found 521 matches

by coachz
Tue May 03, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: cruise ship prices rising.
Replies: 5
Views: 580

Re: cruise ship prices rising.

have you tried travelzoo.com? my friend used to like that one
by coachz
Tue May 03, 2016 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Revisiting “Could I retire…. next week?” two years later
Replies: 10
Views: 2482

Re: Revisiting “Could I retire…. next week?” two years later

kd2008 & Peter Foley, Since I selected a 65/35 asset allocation two years ago I've read more on the topic and learned that a 50/50 allocation allows for just about the same spending level with a greater degree of safety. Dwayne You might enjoy this fine article on AA https://portfoliosolutions....
by coachz
Tue May 03, 2016 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Software Question
Replies: 8
Views: 476

Re: Software Question

Excel or Open Office Calc will do spreadsheets of course and can do charts on them but you may be asking for something designed to track funds.
by coachz
Mon May 02, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Problems with EJ (Is anyone surprised?) [Edward Jones]
Replies: 13
Views: 1482

Re: Problems with EJ (Is anyone surprised?) [Edward Jones]

Sue, simply find a FEE ONLY CFP (certified financial planner). Verify that they do not offer any products whatsoever, only advice. For < $1000 they should be able to evaluate your needs and suggest a course.
by coachz
Thu Apr 28, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 37605

Re: What are Costco's best deals?

yeah no paper plate is a clear sign of bankrupcy !!! :oops:
by coachz
Thu Apr 28, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: Should I accept this offer on my house?
Replies: 52
Views: 3001

Re: Should I accept this offer on my house?

Congratulations ! On to retirement !!!
by coachz
Wed Apr 27, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: Should I accept this offer on my house?
Replies: 52
Views: 3001

Re: Should I accept this offer on my house?

Don't sell.... yet. Get the comparables in your area to see what the CURRENT real value is. Then it should sell for that much. Comparables will tell you what LIKE YOURS has sold recently. Also, I get a professional inspection for ~$300 in advance to KNOW what is wrong with the house that they will t...
by coachz
Tue Apr 26, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: CVT car transmissions
Replies: 25
Views: 2199

Re: CVT car transmissions

I have a 2013 Murano/cvt that i drive like a motocross bike. i love the cvt and no shifting. I would get 4wd next time though for better lap times. ;-) Transmission places that can't fix CVT are just not familiar with it. Like my redneck appliance shop can't work on any washer / dryer with electroni...
by coachz
Tue Apr 26, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 105
Views: 10779

Re: I Hate My Job: Politics at Work (Advice Needed)

Power is something you take, not something that is given to you. Claim what is yours either at the current job or at a new job and enjoy the ride.
:happy :happy :happy
by coachz
Thu Apr 21, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgage - To pay off existing mortgage?
Replies: 6
Views: 715

Re: Reverse Mortgage - To pay off existing mortgage?

i think the key is "Golden Years" but they push them like every 60 year old should get one.
by coachz
Wed Apr 20, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: When to start Social Security. A different take
Replies: 103
Views: 8189

Re: When to start Social Security. A different take

Also if you take SS earlier you lock in the payment amout while those who wait could have their benefits reduced by some future legislation if I have read my SS sites correctly. Isn't that happening right now with "file and suspend", it's going away.
by coachz
Tue Apr 19, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: How To Find My (retirement) Number?
Replies: 64
Views: 4583

Re: How To Find My (retirement) Number?

Don't all of these numbers like 25x and 40x assume no social security. With social security you probably need a lot less right ?
by coachz
Mon Apr 18, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: how to deal with possibly uncertain retirement date?
Replies: 15
Views: 1437

Re: how to deal with possibly uncertain retirement date?

cfiresim.com is a blast to use and you can put your Social Security in it to to see success rates
by coachz
Mon Apr 18, 2016 7:02 am
Forum: Investing - Help with Personal Investments
Topic: how to deal with possibly uncertain retirement date?
Replies: 15
Views: 1437

Re: how to deal with possibly uncertain retirement date?

I really like this article: https://portfoliosolutions.com/latest-l ... y-retirees
It shows nicely how to keep up with inflation only and reduce volatily.
by coachz
Fri Apr 08, 2016 7:28 am
Forum: Investing - Theory, News & General
Topic: first quarter review of sure things for 2016
Replies: 4
Views: 813

Re: first quarter review of sure things for 2016

Accountability is in short supply in this business. I notice a lot of these sooth sayers regularly predicting 2 to 3 years from now because no one holds any accountability to those types of predictions. They never come back and say "Well you said these 10 things and were totally wrong so why ar...
by coachz
Thu Apr 07, 2016 8:40 am
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 3961

Re: Baby Boomers Doubling in next 20 yrs predictions ?

Some think it's the longer growing seasons too but I"m going off topic. http://www.businessinsider.com/pollen-s ... ear-2015-6
by coachz
Thu Apr 07, 2016 6:14 am
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 3961

Re: Baby Boomers Doubling in next 20 yrs predictions ?

I read "The Coming Generational Storm" when it came out over a decade ago. I recall it being pretty doom and gloom. Blurb from Amazon: "In 2030, as 77 million baby boomers hobble into old age, walkers will outnumber strollers; there will be twice as many retirees as there are today b...
by coachz
Wed Apr 06, 2016 1:40 pm
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 3961

Re: Baby Boomers Doubling in next 20 yrs predictions ?

chickadee wrote:Maybe the OP meant number of Baby Boomers -retiring- doubling in next 20 years? Just a guess.

Yeah, my bad, that's what I meant. Can I get a do over ?
by coachz
Tue Apr 05, 2016 10:57 am
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 3961

Baby Boomers Doubling in next 20 yrs predictions ?

Does anyone have some predictions on what the effect on so many baby boomers will be in the next 20 yrs ? I"m 56 now and one of them ! Do I need to start my survival cellar ? :-)
by coachz
Fri Apr 01, 2016 6:25 am
Forum: Investing - Theory, News & General
Topic: Listen to Jack on this one [prefer Intermediate-term bond index]
Replies: 48
Views: 5813

Re: Listen to Jack on this one

Stemikger, I totality agree with the first part of your statement! "Listen to Jack...You only need 1 fund & you don't need international". After much analysis of ER's (expense ratio's) & international, I went 100% High yield dividend index fund. It's a index fund with low ER, low ...
by coachz
Tue Mar 22, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Passwords
Replies: 14
Views: 1495

Vanguard Passwords

I read this in another thread and wonder if anyone can tell me what Agent Authorization is please ?

Sharing your password with your spouse or anyone else violates our responsibilities under Vanguard's fraud reimbursement guarantee. If you need shared account access use Agent Authorization.
by coachz
Sun Jan 31, 2016 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement - Ten key years + Summary
Replies: 65
Views: 12132

Re: Retirement - Ten key years

I think the answer to all three of those questions is to have lots of money.
by coachz
Wed Jan 27, 2016 7:44 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 4350

Re: Happy Birthday Taylor!

Happy Birthday Taylor! You rock ! I hope have a great birthday.
John
by coachz
Mon Jan 04, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 8207

Re: Waste of money?

Take if from a guy who just lost $55k of recording studio in a tornado. You have gone mad. Spend a couple K every year and build up slowly. :-)
by coachz
Fri Nov 13, 2015 7:00 am
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging inferior [but Vanguard disagrees]
Replies: 143
Views: 10507

Re: Dollar Cost Averaging inferior [but Vanguard disagrees]

I'm pretty sure it was the Retirement: Ready or Not webinar that was Date: Thursday, October 22, 2015 Time: 7 p.m., Eastern time I recall them just mentioning DCA and not going into any depth but mentioning it as a valid strategy. To be clear, I'm just trying to find out when it makes sense if ever....
by coachz
Mon Nov 09, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging inferior [but Vanguard disagrees]
Replies: 143
Views: 10507

Re: Dollar Cost Averaging inferior [but Vanguard disagrees]

That makes sense to me and DCA is like saying I think a better AA today is to keep some money in cash which is possibly a bad decision.
by coachz
Mon Nov 09, 2015 7:21 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging inferior [but Vanguard disagrees]
Replies: 143
Views: 10507

Re: Dollar Cost Averaging inferior

DCA has two meanings. One meaning is just investing a % of each paycheck over time. That is a good policy that has nothing to do with investing a lump sum. So, I would have to see the webinars you are are talking about. For the purposes of comparing DCA and lump sum, investing a % of each paycheck ...
by coachz
Sun Nov 08, 2015 5:44 am
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging inferior [but Vanguard disagrees]
Replies: 143
Views: 10507

Dollar Cost Averaging inferior [but Vanguard disagrees]

If DCA is inferior I sure wish Vanguard reps would stop saying it's a good idea in their webinars. They consistently mention it as a good strategy when apparently it is not.

http://www.cbsnews.com/news/dollar-cost ... r-results/
by coachz
Wed Oct 14, 2015 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: lost investment books [Storm damage]
Replies: 18
Views: 1566

Re: lost investment books [Storm damage]

The "blown up" house was mine and we were in it at the time.

http://www.youtube.com/watch?v=_bHhX1XrdIIT
by coachz
Wed Oct 14, 2015 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: lost investment books [Storm damage]
Replies: 18
Views: 1566

Re: lost investment books [Storm damage]

You bogleheads are the best! Thanks so much. :sharebeer
by coachz
Tue Oct 13, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: lost investment books [Storm damage]
Replies: 18
Views: 1566

Re: lost investment books [Storm damage]

Thanks Lady Geek. Insurance is being very helpful. Today the last part of the house was put in a dumpster. Onward!
by coachz
Tue Oct 13, 2015 5:46 am
Forum: Personal Finance (Not Investing)
Topic: lost investment books [Storm damage]
Replies: 18
Views: 1566

Re: lost investment books

Luckily no one was hurt. Really still hard to comprehend with so much damage.
by coachz
Mon Oct 12, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: lost investment books [Storm damage]
Replies: 18
Views: 1566

Re: lost investment books

Yeah it lterally exploded. Our master bedroom we were in was the only thing left. Thats me in my yellow Life is Good tshirt.
by coachz
Mon Oct 12, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: lost investment books [Storm damage]
Replies: 18
Views: 1566

lost investment books [Storm damage]

Anyone have any good investment books to spare? All mine just got blown to hell along with the house. Rough two weeks https://www.google.com/search?q=bercik+tornado&num=20&newwindow=1&source=lnms&tbm=isch&sa=X&ved=0CAoQ_AUoA2oVChMIxcGx35q-yAIVA9geCh3MPAMD&biw=1280&bih...
by coachz
Fri Aug 28, 2015 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 7197

Re: If stocks dropped 30% next Monday, would you rebalance?

Jim Cramer??? This a joke right? More than likely I'd be glued to the TV listening to the talking heads talk about how much more stocks might drop. As well as the majority of the population. It's a no win situation before the fact. I rebalance, and stocks fall another 30%. I don't rebalance, stocks ...
by coachz
Sun Aug 23, 2015 1:12 pm
Forum: Investing - Theory, News & General
Topic: Social Security calculation for retiring before 62
Replies: 3
Views: 480

Re: Social Security calculation for retiring before 62

Ok, thanks so much, I get it now, finally. Looks like a 10% hit for quitting early after using their online calculator. Thanks again.
by coachz
Sun Aug 23, 2015 12:11 pm
Forum: Investing - Theory, News & General
Topic: Social Security calculation for retiring before 62
Replies: 3
Views: 480

Social Security calculation for retiring before 62

If I already have 35 years of employment and quit work today at age 55, are the current values that the Social Security web site posts for ages 62, FRA 66 & 10mos and age 70 correct? From everything I read, there is no penalty and the values in the top 35 years are already indexed so the values ...
by coachz
Sat Aug 22, 2015 9:30 am
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 12151

Re: With Stock Market heading south

This might help you see it more clearly. https://www.youtube.com/watch?v=oCCNNpmt8ds Can someone help me find the 530 point drop that happened yesterday? I may need some new glasses. https://upload.wikimedia.org/wikipedia/commons/thumb/4/4e/DJIA_historical_graph_(log)-2008-29-10.svg/800px-DJIA_histo...
by coachz
Sat Aug 22, 2015 5:24 am
Forum: Investing - Theory, News & General
Topic: dont forget to tax loss harvest
Replies: 28
Views: 3221

Re: dont forget to tax loss harvest

Seems buying a Large cap index fnd would be less similar and still get 99% correlation. Then buy back in 31 days. Also, Roth IRAs cannot tax liss harvest fyi. If I sold my Vanguard Total Stock Market Index and bought S & P 500 index, would that trigger a wash sale? Same thing with Vanguard Total...
by coachz
Sat Aug 22, 2015 5:18 am
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 12151

Re: With Stock Market heading south

[OT comment removed by admin LadyGeek]
by coachz
Fri Aug 21, 2015 7:12 pm
Forum: Investing - Theory, News & General
Topic: dont forget to tax loss harvest
Replies: 28
Views: 3221

dont forget to tax loss harvest

Vanguard makes it easy to see your cost basis and from that you can see how substantial your losses are. There are many good threads out there and here are a couple i found interesting. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=110759 http://www.bankrate.com/finance/taxes/capital-losse...
by coachz
Sun Aug 16, 2015 3:50 pm
Forum: Investing - Theory, News & General
Topic: The Risk Quandary
Replies: 29
Views: 2714

Re: The Risk Quandary

Here is an article describing the difference between risk and uncertainty. Many of us think it is the same thing but risks have known odds like rolling a dice but uncertainty doesn't.

http://www.realinvestingjournal.com/rep ... ncertainty
by coachz
Sun Aug 16, 2015 9:26 am
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 4103

Re: End of 30 yr. Bull run on bonds, what now

Why are they great for rebalancing?

john94549 wrote:It's axiomatic. Bond funds these days are great for re-balancing, but little else. Personally, I stick with my CD ladder.
by coachz
Sat Aug 15, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 4103

Re: End of 30 yr. Bull run on bonds, what now

I tried again and got your result. I'm guessing the lesson is we can make money with bonds going up or down yes? Thanks for the schooling :beer If my math is correct, you get 0.878% doing (1.02^10 X 1.05^10 X 1.10^10 X 1.15^5)^(1/35) - 1 Which looks close to zero to me. Your calculator is broken. :w...
by coachz
Sat Aug 15, 2015 3:52 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 4103

Re: End of 30 yr. Bull run on bonds, what now

They seem to be nothing but wrong. :P
by coachz
Sat Aug 15, 2015 2:57 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 4103

Re: End of 30 yr. Bull run on bonds, what now

If my math is correct, you get 0.878% doing (1.02^10 X 1.05^10 X 1.10^10 X 1.15^5)^(1/35) - 1 Which looks close to zero to me. So if this is the end of a 30 yr. Bull run on bonds, how is the Total Bond Index Fund expected to fare for the next 10 or 20 yrs? As rates rise won't they necessarily drop o...
by coachz
Sat Aug 15, 2015 2:12 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 4103

Re: End of 30 yr. Bull run on bonds, what now

So if you future Bond returns are expected to be 0 percent real then why not just put the money into TIPs which are inflation protected and at least get a little bit? I just dont get the point of investing if you are not making money.
by coachz
Sat Aug 15, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 4103

Re: End of 30 yr. Bull run on bonds, what now

Thanks, is that real return after inflation?

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