Search found 300 matches

by CWRadio
Sun Jan 14, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Understand Expense Ratio
Replies: 14
Views: 782

Re: Understand Expense Ratio

I would speculate that the OP means the investments in the two funds had the same returns or maybe are even exactly the same investments. In that case, with the information that holdings of a fund have to be liquidated to pay the costs of a fund, it would be obvious that there would be less wealth ...
by CWRadio
Sun Jan 14, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Understand Expense Ratio
Replies: 14
Views: 782

Understand Expense Ratio

Trying to clarify how Expense Ratio affect my holdings. Example I have two funds. First fund has a Expense Ratio of 0.10%.(fund one) Second fund has a Expense Ratio of 1.00%. (fund two) In the beginning of the year I put $1000 in each fund. The return at the end of the year is 10%. My question: Whic...
by CWRadio
Thu Jan 11, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1572

Re: How to pay for a new kitchen and dinning room

Thank you all for replying to my questions.
I will share your answers with my children. Paul
by CWRadio
Wed Jan 10, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1572

Re: How to pay for a new kitchen and dinning room

Thanks to all
They looked into selling but the love their house, backyard, neighbor hood, schools and location and unable to find anything available. Real shortage of homes in their area.. Paul
by CWRadio
Wed Jan 10, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1572

How to pay for a new kitchen and dining room

My son called me last night and said he and his wife decided to remodel their kitchen and dinning room. It will cost about $100,000. His question to me what is the best way to finance the remodeling? His current house will be payed off in one year. House is worth about $400,000 He does not have $100...
by CWRadio
Tue Dec 26, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Short-Term Infl-Prot Secs ETF (VTIP)
Replies: 3
Views: 520

Re: Vanguard Short-Term Infl-Prot Secs ETF (VTIP)

abuss368 wrote:
Tue Dec 26, 2017 7:35 pm
CWRadio wrote:
Tue Dec 26, 2017 7:33 pm
I am trying to understand why VTIP dropped 1.40% at the end of the trading day on Friday. Can someone please explain. Thanks Paul
Did the fund go ex-dividend?
Thanks
Distributions on Dec 26
by CWRadio
Tue Dec 26, 2017 7:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Short-Term Infl-Prot Secs ETF (VTIP)
Replies: 3
Views: 520

Vanguard Short-Term Infl-Prot Secs ETF (VTIP)

I am trying to understand why VTIP dropped 1.40% at the end of the trading day on Friday. Can someone please explain. Thanks Paul
by CWRadio
Mon Dec 11, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Lump Sum vs. Annuity
Replies: 41
Views: 2908

Re: Early Retirement - Lump Sum vs. Annuity

How come MegaCorp can offer a better SPIA then companies like via immediateannuity.com, Vanguard, Fidelity etc? Thanks Paul
by CWRadio
Fri Dec 08, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe Online for 2017
Replies: 13
Views: 2181

Re: TurboTax Deluxe Online for 2017

I have the download version of TT Deluxe for 2017. TD Ameritrade is in the list of financial institutions for downloads; Interactive Brokers is not. About 300 financial institutions are listed. Will they be there when forms are released in early Feb? No way to tell. Is Fidelity on the list for down...
by CWRadio
Sat Dec 02, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 142
Views: 13791

Re: Bonds Are Riskier Than People Think

I trying to understand. If I put $1000 on January 1 into a 5 year CD yielding 2.5% a year. What would I get at the end of the five years. If I put the same $1000 in a short term government bond fund starting January 1 (yield 1.8%) and interest rates goes up 0.5% a year what would I get if I close t...
by CWRadio
Sat Dec 02, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 142
Views: 13791

Re: Bonds Are Riskier Than People Think

I trying to understand. If I put $1000 on January 1 into a 5 year CD yielding 2.5% a year. What would I get at the end of the five years. If I put the same $1000 in a short term government bond fund starting January 1 (yield 1.8%) and interest rates goes up 0.5% a year what would I get if I close th...
by CWRadio
Tue Nov 28, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2017 VIDEOS
Replies: 34
Views: 5526

Re: BOGLEHEADS 2017 VIDEOS

Look forward to:
The excellent session by Mike Piper and Mel Turner, "Annuities: The Good, The Bad, and the Ugly" was indeed recorded and will be posted next!
Thanks Paul
by CWRadio
Sat Nov 25, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Bond fund duration(s) in retirement
Replies: 16
Views: 1440

Re: Bond fund duration(s) in retirement

If I have a fund one in retirement (example Vanguard Lifestrategy Conservative Gr Fd VSCG) compared to the 4 fund equivalent and I do RMD once a year or 4 times a year (I rebalance the 4 fund equivalent once a year). Does it matter which type of fund I do the RMD from (VSCG or it 4 fund equivalent) ...
by CWRadio
Mon Nov 20, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 6053

Re: Uber for someone who knows only taxis

Do you need internet access after you are picked up by Uber or Lyft to complete the transaction? I use a Tracfone and usually keep WiFi on and phone data off. Thanks Paul
by CWRadio
Mon Nov 13, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2017 VIDEOS
Replies: 34
Views: 5526

Re: BOGLEHEADS 2017 VIDEOS

Is there a video of the presentation:
Mike Piper and Mel Turner: Annuities: The Good, The Bad, and the Ugly? Thanks Paul
by CWRadio
Wed Nov 01, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: 2017 Bogleheads Conference - Annuities: The Good, The Bad, and The Ugly
Replies: 18
Views: 2397

Re: 2017 Bogleheads Conference - Annuities: The Good, The Bad, and The Ugly

Slide 17 had the following quot: Notes: Taylor on Wed 10/11/17: “My wife and I purchased a joint lifetime annuity (SPIA) about my age 80. We liked it so well we bought another a year later. With no more worry about running out of money, we were able to start giving our heirs their inheritance while ...
by CWRadio
Sat Oct 28, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D sign up
Replies: 4
Views: 531

Re: Medicare Part D sign up

Is better to sign up for Medicare annual Part D on Medicare.gov or the insurance company web site? Thanks Paul Drill down the the choices on medicare.gov and then check your math on the carriers website because there are data input errors on medicare.gov and they are not responsible for any bad dat...
by CWRadio
Sat Oct 28, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D sign up
Replies: 4
Views: 531

Medicare Part D sign up

Is better to sign up for Medicare annual Part D on Medicare.gov or the insurance company web site? Thanks Paul
by CWRadio
Sat Oct 21, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: medicare supplement
Replies: 29
Views: 2204

Re: medicare supplement

Take a look at this web site to compare Medigap plans in your ZiP code https://www.freemedicarereport.com/ Just go to run report. Remember there is more than current price that is important when you pick a plan. Take a look a previous rate increase, etc. Not sure if type of pricing matters (communit...
by CWRadio
Wed Oct 18, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4177

Re: Why not switch from Medigap F to G now?

I moved from F to G with my current insurer but it required underwriting..including all drugs I've had in the last 2 yrs. Kind of a pain esp because I worry I might forget something that could void the coverage. Is there a time limit on how long a insurance company can look back on your application...
by CWRadio
Wed Oct 18, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4177

Re: Why not switch from Medigap F to G now?

Take a look at this web site to compare Medigap plans in your ZiP code https://www.freemedicarereport.com/ Just go to run report. Remember there is more than current price that is important when you pick a plan. Take a look a previous rate increase, etc. Not sure if type of pricing matters (communit...
by CWRadio
Wed Oct 11, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Checking VIN numbers on a new car
Replies: 6
Views: 775

Re: Checking VIN numbers on a new car

Do you have the VIN? https://www.vehiclehistory.com/ This site is kind of carfax light. Thanks all for your replies. I plug in the VIN into vehiclehistory.com and no problems shown except a recall for spare tire. I tried using CarFax and it showed 4 record, but to view them it will cost $40. Paul
by CWRadio
Wed Oct 11, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Checking VIN numbers on a new car
Replies: 6
Views: 775

Checking VIN numbers on a new car

I was at a Toyota dealer looking at a new RAV4. The car I liked was made in December 2016 and had 10 miles on it. I also noticed some dirt in the tail gate truck area. I called Toyota customer service and they checked the VIN numbers. They told me the car was sold June 30 2017 and the selling dealer...
by CWRadio
Wed Oct 11, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3363

Re: My Son is buying a 2017 Toyota RAV 4

Thank you all for your suggestion, advice and council.
When my son called the dealer to give a deposit and they said the car was sold, but they can get the same car from another dealer(about 165 miles away) and gave him the vin number of that car.
He is waiting to view the new car.

Paul
by CWRadio
Mon Oct 09, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3363

My Son is buying a 2017 Toyota RAV 4

My son negotiated a price for a 2017 Toyota RAV4 for $27,000 out the door. He had a few question for me: Take 0% interest for 4,5 or 6 years. or Take the $3,000 Toyota rebate and add another $10,000 and take a loan for 5 years at 2.99% Loan for $14,000 ($27,000 - $13,000 rebate plus addition cash) o...
by CWRadio
Thu Sep 28, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 156
Views: 38880

Re: Vanguard's Wellesley Income fund is incredible

I believe in Bill Bernstein advice, : When you’ve won the game, stop playing.
https://www.wsj.com/articles/how-to-tel ... 1421726456
If you wanted to have only one fund in retirement (take out 3% a year) would it be Wellesley?

Paul
by CWRadio
Mon Sep 25, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Shifting 100% Stock → 35% Stock & 65% Bonds / REITs
Replies: 52
Views: 6541

Re: Shifting 100% Stock → 35% Stock & 65% Bonds / REITs

What is current thinking about a CD ladder for the bond side of the portfolio?
Paul
by CWRadio
Mon Sep 11, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54545

Re: Equifax customer information leak

Experian charged our credit cards multiple times while we tried to freeze our credit. Frozen for one of us, not for the other. I notified both credit card companies' fraud teams that I was charged multiple times for services not provided, and that if the charges posted I would dispute them. Experia...
by CWRadio
Sat Sep 09, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54545

Re: Equifax customer information leak

Can you freeze your credit for yourself and wife at the same time at each credit bureau? Or do you need to do a separate application for each? Thanks
by CWRadio
Mon Sep 04, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 14099

Re: Do you use lifestrategy/ asset allocation funds?

For those who are choosing Lifestrategy of some form: What is your thinking about withdrawals in a down stock market? Normally one would try to figure out where to take the withdrawal (equity or fixed) but with not choice how does that fit with your thinking. Will it bother you not to have options ...
by CWRadio
Sat Sep 02, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 42
Views: 5424

Re: Jewelry insurance. Is it ever worth it?

If you have your nice jewelry appraised, for example for $20k appraised value, you would generally be lucky to sell it for $5k and probably could buy it at a discount for $10k, so you could choose to insure it for $10k instead of $20k Most insurance companies will only replace the ring and not give...
by CWRadio
Wed Aug 23, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 64
Views: 7496

Re: Adjusting AA as retirement nears

These two articles have been a great help when I started retirement: The Center of Gravity for Retirees by Rick Ferri https://www.forbes.com/sites/rickferri/2015/02/06/the-center-of-gravity-for-retirees/#1bcf646d5dae and How to Tell if Your Retirement Nest Egg Is Big Enough by William J. Bernstein h...
by CWRadio
Sat Aug 12, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4907

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

I am trying to decide if it is financially better to do RMD on a monthly distribution from Vanguard LifeStrategy Cnsrv Gr Inv (VSCGX) or the 4 fund equivalent (Total U.S. stock market index fund, Total international stock index fund, Total U.S. bond index fund and Total international bond index fund...
by CWRadio
Thu Aug 10, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 6808

Re: What is an appropriate lower risk asset allocation once one has "won the game"

When the members of this post suggests TIPS, do they mean TIPS funds or ETF or buying real TIPS from the government? Thanks Paul Most folks on this forum probably buy the TIPS bonds from the Treasury and hold them until maturity so they can avoid exposure to annual taxes and/or loss of principal va...
by CWRadio
Wed Aug 09, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 6808

Re: What is an appropriate lower risk asset allocation once one has "won the game"

When the members of this post suggests TIPS, do they mean TIPS funds or ETF or buying real TIPS from the government? Thanks Paul
by CWRadio
Mon Jul 10, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: New roof suggestions.
Replies: 29
Views: 3370

Re: New roof suggestions.

Is it better to have the asphalt shingles nailed or stapled down? Thanks Paul
by CWRadio
Mon Jul 03, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 56
Views: 5516

Re: Medicare Supplement Policies?

I have AARP Medigap Plan F. I am short on time to go look again as I did once before. but the premiums have been reasonable for years. I prefer Medicare + Medigap vs. Medicare Advantage because I was tired of fighting with insurance companies in my employer-provided pre-Medicare life, and Medicare ...
by CWRadio
Mon Jul 03, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 56
Views: 5516

Re: Medicare Supplement Policies?

Also check to see how the supplement plan (Medigap) increased rates each year. Insurance companies can request a increase in rates if they are below the required loss ratio . http://www.investopedia.com/terms/l/loss-ratio.asp?lgl=myfinance-layout-no-ads https://www.cms.gov/CCIIO/Resources/Data-Resou...
by CWRadio
Sun Jul 02, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 46
Views: 3815

Re: Engagement Ring Insurance

Say the ring is lost and you do not want a replacement due to Sentimental Reasons. Will the insurance company pay you the cash value of the insurance policy or just pay you the cost of replacing the same ring? Example: The ring is appraised at $20,000 and you insurance it for $20,000. It is lost and...
by CWRadio
Sun Jun 18, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 153
Views: 24683

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Anyone know if Fidelity offers a 1% MM fund? Paul
by CWRadio
Tue Jun 13, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 83
Views: 10514

Re: DFA Retirement Income Strategies

How does one purchase a DFA Target-Date Retirement Income Fund. A DFA advisor charge a fee. If I do not require the advice of the advisor but just like the fund how do I purchase? Thanks Paul
by CWRadio
Mon May 15, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: LifeStrategy Conservative Fund or its 4 fund equivalent
Replies: 9
Views: 1418

Re: LifeStrategy Conservative Fund or its 4 fund equivalent

Thank you all.
One last question:
If I had to take RMD would it make more sense to do it at the beginning, end of year or monthly from either of the 2 portfolios? Paul
by CWRadio
Sun May 14, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy Conservative Fund or its 4 fund equivalent
Replies: 9
Views: 1418

LifeStrategy Conservative Fund or its 4 fund equivalent

I am trying to understand what fund does better. Vanguard LifeStrategy Conservative Fund (VSCGX) or it 4 fund equivalent (Vanguard Total Stock Market Index Fund, Vanguard Total International Stock Index Fund, Vanguard Total Bond Market II Index Fund, Vanguard Total International Bond Index Fund)? I ...
by CWRadio
Thu Apr 20, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 45277

Re: Larry Swedroe says "Goodby."

Thanks Larry for all your help with my retirement concerns.
by CWRadio
Mon Apr 10, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Using my local bank ATM chip card for Euros
Replies: 15
Views: 1078

Re: Using my local bank ATM chip card for Euros

Thank you all for your comments and recommendation.

Has anyone tried using the AAA Travel Money card or a similar card that pre load money and is usable in a foreign ATM to get cash in your foreign travels? Thanks
by CWRadio
Sun Apr 09, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Using my local bank ATM chip card for Euros
Replies: 15
Views: 1078

Re: Using my local bank ATM chip card for Euros

livesoft wrote:I think you probably don't need to get Euros if you use your CapOne card to pay for everything.
Going on a tour and need Euros for tipping. Thanks
by CWRadio
Sun Apr 09, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Using my local bank ATM chip card for Euros
Replies: 15
Views: 1078

Using my local bank ATM chip card for Euros

I have my checking account at a small local bank without any foreign association. My credit card is with Capital One and has no fees when I charge in a foreign country. I am planning a trip to Ireland and would like to use my banks ATM chip card to get Euros. There is a $5 fee plus a 3% fee on the a...
by CWRadio
Tue Apr 04, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 3297

Re: Medigap Plan F Increases

This web site has cost comparison for all states and plans. Just use "just run my report..."
Free Medicare Report.
https://www.freemedicarereport.com/

Paul
by CWRadio
Mon Apr 03, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: [Long-term Care Penn Treaty insurance to liquidate]
Replies: 13
Views: 2183

Re: [Long-term Care Penn Treaty insurance to liquidate]

Additional information in New York Times about Penn Treaty of Allentown, Pa. Policyholders in Limbo After Rare Failure of Insurer https://www.nytimes.com/2017/04/01/business/policyholders-in-limbo-after-rare-failure-of-insurer.html?ref=your-money Buy the way, if you pay for LTC insurance in one stat...
by CWRadio
Wed Mar 29, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 3614

Re: Vanguard Balanced Index Fund In Retirement?

Kevin why did you choose VFITX Vanguard Intermediate-Term Treasury Fund and not the index? Thanks Paul