Search found 315 matches

by CWRadio
Thu Apr 19, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7608

Re: Need for Medicare supplemental plan?

First time I've ever heard of Plan "G". Plan F is apparently still available to new enrollees today. I just received an ad in the mail today from Highmark pushing Plan F. They said "...you'll enjoy a monthly premium as low as $155.10..." If plan F goes away the only ones left will be old and sick p...
by CWRadio
Thu Apr 12, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA Return - Am I calculating this correctly?
Replies: 72
Views: 2694

Re: SPIA Return - Am I calculating this correctly?

Chuck wrote:
Thu Apr 12, 2018 12:15 pm
BTW, a 15-year ladder of TIPS is easy to build and would provide actual inflation protection (rather than a fixed 2% pa increase), for $688,250.
Can you please point me to DIY information on building a TIPS ladder. Paul
by CWRadio
Sun Apr 08, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach
Replies: 18
Views: 1335

Re: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach

Additional information can be found at: For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceId=632297&src=Morningstar&date=01-30-2014&nav=no®ion=USA&culture=en-US&ProductCode=mle and Risks of RMD Withdrawal F...
by CWRadio
Sun Apr 08, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 153
Views: 17808

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin M thank you for sharing all your knowledge on CDs.
Please think about a article on what you know what CDs, buying, selling, bond funds etc. Paul
by CWRadio
Tue Apr 03, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity w guaranteed 5-6% return [payout]?
Replies: 50
Views: 4466

Re: Annuity w guaranteed 5-6% return [payout]?

At what age is mortality credit more important then the current interest rates of Treasuries for purchasing a SPIA?
Paul
by CWRadio
Sun Apr 01, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: William Bernstein: Retirement Investing and Spending in two easy steps
Replies: 77
Views: 8994

Re: William Bernstein: Retirement Investing and Spending in two easy steps

I think Dr. Bernstein means put your living expenses (your spending floor) into a TIPS ladder and you can do what you want with the rest - but he should say that explicitly if that's what he means. What about buying a SPIA or a ladder of SPIA (single premium immediate lifetime annuity) in place of ...
by CWRadio
Fri Mar 30, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Hot water safty
Replies: 8
Views: 1012

Hot water safty

Is it safe to use the hot water from a electric hot water heater that has been turned off for 12 months and then turned back on? Thanks Paul
by CWRadio
Sat Mar 17, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7608

Re: Need for Medicare supplemental plan?

If I remember correctly you have a window of 3 months before and 3 months after your 65 birthday to sign up for a supplement plan without medical underwriting.
Paul
by CWRadio
Sat Mar 17, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7608

Re: Need for Medicare supplemental plan?

Here is a good web site to check the price of supplements insurance in your state:
https://www.freemedicarereport.com/

Just give zip code and go to "just view results" Paul
by CWRadio
Wed Mar 07, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: What are your auto insurance limits?
Replies: 59
Views: 4628

Re: What are your auto insurance limits?

Any advice on a web site that can help me shop for auto insurance? Thanks Paul
by CWRadio
Sun Mar 04, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: Is Now the Time to Reduce Bond Duration?
Replies: 41
Views: 4381

Re: Is Now the Time to Reduce Bond Duration?

Trying to understand how to handle intermediate bond funds in retirement to meet RMD requirements while the NAV of the fund goes down and yield increase? Thanks Paul I don't understand. At least our RMD's are only dependent on the values on December 31st of previous year, so it doesn't matter what ...
by CWRadio
Sun Mar 04, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: Is Now the Time to Reduce Bond Duration?
Replies: 41
Views: 4381

Re: Is Now the Time to Reduce Bond Duration?

Trying to understand how to handle intermediate bond funds in retirement to meet RMD requirements while the NAV of the fund goes down and yield increase?
Thanks Paul
by CWRadio
Sun Feb 11, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: officiate a marriage
Replies: 14
Views: 1150

Re: officiate a marriage

Thank you all for your information and advice. They mabe be some legal problems as per these two articles due to the location of the ceremony. http://www.nytimes.com/2012/11/18/fashion/weddings/making-sure-that-online-officiant-is-legal.html http://www.churchofancientways.org/articles/validity-onlin...
by CWRadio
Sun Feb 11, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: officiate a marriage
Replies: 14
Views: 1150

officiate a marriage

My nephew asked me to officiate his marriage in New York State Long Island this coming September.

Can anyone share any experience or advice on how to do it.
I understand I need a minster license. Google search show many online minster websites.
Thanks Paul
by CWRadio
Wed Jan 24, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 12212

Re: Kitces article: A cash bucket in retirement? Nope

Both good points. And it is true SPIA is better done when older. Another factor in SPIAs is they are not free of the crushing dictatorship of history. SPIA payout depends on the interest rates prevailing when they are purchased. If real interest rates were much higher than they are now our discussi...
by CWRadio
Sun Jan 14, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Understand Expense Ratio
Replies: 14
Views: 880

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: 880

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: 1678

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: 1678

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: 1678

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: 584

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: 584

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: 3102

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: 2454

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: 14431

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: 14431

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: 5955

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: 1535

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: 6473

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: 5955

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: 2586

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: 589

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: 589

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: 2385

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: 4417

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: 4417

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: 831

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: 831

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: 3559

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: 3559

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: 175
Views: 48145

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: 53
Views: 7083

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: 58149

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: 58149

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: 14824

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: 6129

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: 7818

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: 5071

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: 7039

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: 7039

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