Search found 525 matches

by dwickenh
Fri Jun 23, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Where to put a vegie garden
Replies: 12
Views: 829

Re: Where to put a vegie garden

During early spring and late summer, your garden will appreciate being on the west or southwest side of your home for more direct sunlight. My garden is right against the back of my house on the west side. The heat reflected into the garden by my siding and foundation are good for the hot weather cr...
by dwickenh
Tue Jun 20, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 2672

Re: Liability with dogs, hypothetical

I guess I should foster one also, as I still would agree with your original post from 6 years ago. I am sure your Pit Bull is the exception. I would not own one due to the liability and insurance rates. Dan I can't speak to the liability and insurance. I also won't try to convince you that a pit is...
by dwickenh
Tue Jun 20, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 2672

Re: Liability with dogs, hypothetical

A friend of ours had his leashed standard poodle attacked recently, high 4 digit vet bill, paid in full by the attacking dog owner's homeowner's policy. It made us think about our possible liability. We have an electric fence and a well trained and friendly pit bull mix. She's a rescue, so we don't...
by dwickenh
Tue Jun 20, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: 2017 SS calculator from POF
Replies: 1
Views: 517

2017 SS calculator from POF

I came across this calculator on Physician on Fire website and know he often posts here. If this link has already been posted, excuse my lack of knowledge.

http://www.physicianonfire.com/calculators/ssa/

Dan
by dwickenh
Mon Jun 19, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Collecting Dividends, Waiting for Market Drop?
Replies: 25
Views: 1850

Re: Collecting Dividends, Waiting for Market Drop?

The emminent crash has been coming for at least 3 years now, a lot of dividends would be sitting there doing nothing. If everyone is expecting a crash, it is not normally the time to crash. If you are near retirement and uncomfortable, adjust your Asset Allocation to where you can sleep. If you are ...
by dwickenh
Mon Jun 19, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: "For Mutual Funds, Simpler Seems Better"
Replies: 1
Views: 459

Re: "For Mutual Funds, Simpler Seems Better"

Thanks for linking the article Taylor.

Trying to remember who else is famous for the "simple" approach :D

Best to you,

Dan
by dwickenh
Sun Jun 18, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Example of why this forum is so good
Replies: 19
Views: 3106

Re: Example of why this forum is so good

To me his advice reads "Stay the course". What could be more Bogleheadish than that?

I hope he is enjoying his new found freedom, even if his wife had to talk him into it!!!

Dan
by dwickenh
Sun Jun 18, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Mixed purpose inheritance
Replies: 6
Views: 531

Re: Mixed purpose inheritance

It is a good plan, now get her to buy in :)

Dan
by dwickenh
Fri Jun 16, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Parent's Portfolio
Replies: 11
Views: 917

Re: Parent's Portfolio

Hi weldersannabe, I see that all of their assets appear to be is tax deferred accounts, so the withdrawal rate to get 40,000 per year will be closer to 4.75% to end up with 40,000 to spend. That depends on their other income, which you have addressed as only a small government pension. I agree to fi...
by dwickenh
Thu Jun 15, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: Is it safer to invest in gold or bond funds?
Replies: 30
Views: 1801

Re: Is it safer to invest in gold or bond funds?

Nobody ever sells their gold because they always fear something else is going to happen. Thus, gold is completely worthless when it comes to a stock market crash. Instead one needs something that they can sell to buy food, pay the mortgage, and rebalance into equities that are at a low price. That'...
by dwickenh
Mon Jun 12, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 64
Views: 4649

Re: Favorite Feature of Vanguard Website?

I like that the statements not complicated and can be understood easily. My father's trust account is with Merrill Lynch(not my choice)and is so complicated no one could tell if it made money or how much.
by dwickenh
Mon Jun 12, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax Assessment Error (Too Low)
Replies: 6
Views: 284

Re: Property Tax Assessment Error (Too Low)

The tax bill is for last year, and is likely owed by the person that owned the lot before you. You will not get your first bill until 2018.

Dan

p s You will owe a prorated portion for April through December for 2017.
by dwickenh
Sun Jun 11, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 1581

Re: Any advice on buying headstone for a grave?

Hi, this is my business so I think I can be of help. Which gray granite are they using? Elberton (Georgia Gray) or Barre Gray? Both are fine quality btw, the difference being Elberton Gray should be cheaper. I assume the imported is China gray and when it's polished it actually resembles Barre Gray...
by dwickenh
Sun Jun 11, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: To re-paint car bumper, or wait
Replies: 12
Views: 811

Re: To re-paint car bumper, or wait

google painted Urethane bumpers . With the Urethane bumpers most shops just order them and replace. New bumpers do not come in color ( other than textured and some Volvos) and a new bumper would require painting by the body shop. Easier and less expensive to repair and refinish the existing bumper ...
by dwickenh
Sun Jun 11, 2017 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Let.s get serious here [need bond fund]
Replies: 12
Views: 2687

Re: Let.s get serious here !!!!!!!!!!!!!!!!!!!!!!!!!!!!

I currently have a 50/50 split between total bond and Intermediate corporate. Dan May I ask why the split between Total Bond and Intermediate corporate? I'm just curious as to what the advantages are of Int. Corp. bonds. Just trying to to learn more. Thanks The yield on Vanguard's intermediate corp...
by dwickenh
Sat Jun 10, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: To re-paint car bumper, or wait
Replies: 12
Views: 811

Re: To re-paint car bumper, or wait

This is a urethane bumper so no metal is involved in the repair. It will not rust. I would use a light compound by hand on the scuffs, and a touch up brush on the rest. White touches up nicely. Think small on the touch up, just trying to fill in the chip without spreading the paint over the good pai...
by dwickenh
Sat Jun 10, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Let.s get serious here [need bond fund]
Replies: 12
Views: 2687

Re: Let.s get serious here !!!!!!!!!!!!!!!!!!!!!!!!!!!!

My taxable account is short term bond index and short term corporate. I keep the short term in taxable due to withdrawals. All of my intermediates are in tax sheltered with Total Bond, and Intermediate corporate index. I am also in the 15% brkt. I currently have a 50/50 split between total bond and ...
by dwickenh
Sat Jun 10, 2017 10:13 pm
Forum: Investing - Theory, News & General
Topic: Dividend ETF
Replies: 13
Views: 1115

Re: Dividend ETF

Futureshock, There is a difference, unknown to me if it is a downside. VTI Total market Index has 3552 stocks including large, medium, and small. VYM Dividend fund has 429 stocks in the large category. The performance comparison shows the advantage of owning some medium and small caps. None of this ...
by dwickenh
Fri Jun 09, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Three years into retirement… Need a good read
Replies: 12
Views: 1927

Re: Three years into retirement… Need a good read

And Jane Bryant Quinn's How to Make Your Money Last is a good overview. I'll second this recommendation. I'm reading it right now. +1 She also contributes to the AARP website on occasion. I've read the book and will third the recommendation. Just about every aspect of retirement is covered well. Al...
by dwickenh
Fri Jun 09, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Recession Planning
Replies: 35
Views: 2468

Re: Recession Planning

I am retired now but my entire career was in an industry that was subject to the whims of the economic cycle (capital goods). My strategy was to always take on different assignments, several of them were lateral moves and one was even a "lesser" title (but bigger job). My game was to deve...
by dwickenh
Wed Jun 07, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: Bogle at his simple best
Replies: 12
Views: 1833

Re: Bogle at his simple best

Paul, thanks for posting as it is a short, enjoyable read.

I never tire of his wisdom,

Dan
by dwickenh
Mon Jun 05, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: How do I get monthly checks from my investments in retirement?
Replies: 15
Views: 2538

Re: How do I get monthly checks from my investments in retirement?

Welcome, You can set up auto payments from your investment account directly to your bank account on the 1st of every month or any other time period you choose. You can have any dividends and interest sent directly to your bank account also. It is easy to set up and can be done at any of the discount...
by dwickenh
Mon Jun 05, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 5790

Re: Pimp my DW's ride.

I would not go with the matte finish on any vehicle unless you plan to pay for a paint job prior to sale or trade in. I consider it a fad paint job that will not endure. It will be a value detraction on resale or trade. If money is no concern, go for it. Seems to me that in a discussion where a fam...
by dwickenh
Mon Jun 05, 2017 8:58 am
Forum: Investing - Theory, News & General
Topic: "Bogle's Seven Tips For Investors"
Replies: 6
Views: 1297

Re: "Bogle's Seven Tips For Investors"

Thanks Taylor,

It never hurts to be reminded of what works for the simple investment style of John Bogle.

Dan
by dwickenh
Mon Jun 05, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 5790

Re: Pimp my DW's ride.

I would not go with the matte finish on any vehicle unless you plan to pay for a paint job prior to sale or trade in. I consider it a fad paint job that will not endure. It will be a value detraction on resale or trade. If money is no concern, go for it.
by dwickenh
Mon Jun 05, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 5790

Re: Pimp my DW's ride.

I don't know much about wraps but I my sense is they are a way more popular down market and in the tuner world not at your "level." I could be wrong though. My other comment is have you had a chance to check out the new Range Rover Velar? It's not top of the line but it is their brand new...
by dwickenh
Fri Jun 02, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Plan Check, 2 Years out.
Replies: 25
Views: 3518

Re: Early Retirement Plan Check, 2 Years out.

IlliniDave, I think your plan looks good with the annuity and investment income getting you to SS at 70 with no problem. I agree that medical insurance is the wild card, but you should have the assets to cover that as well. I am ER also and trying to get wife and I to medicare. She has issues and co...
by dwickenh
Fri Jun 02, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced index fund holder - do I need intl?
Replies: 52
Views: 3145

Re: Balanced index fund holder - do I need intl?

I am currently at 22% International and would like to slowly adjust to 30% with new money contributions. I have had International during my entire investing history and feel it is valuable for risk mitigation. I have been adding 2-3 % a year for the last 3 years. I am not sure if the results would h...
by dwickenh
Mon May 29, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 5
Views: 651

Re: Asset Allocation

Welcome Buck's dad, You are making this much more complicated than necessary, and will likely end up with a mess. Take some time to read the Wiki information in the upper right corner of this page. More funds is not the road to diversification, the correct three funds or etfs will accomplish that. c...
by dwickenh
Mon May 29, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check-up
Replies: 1
Views: 249

Re: Portfolio Check-up

Welcome APX32, Congrats on a good start for retirement. You are correct that extra risk pays off, just sometimes the payoff is to the down side. I would definitely de-risk the prior 401K and find a place for the 20% cash also. I would not keep the 3 multiple taxable accounts as it is unnecessarily c...
by dwickenh
Mon May 29, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1351
Views: 233104

Re: What are you up YTD? [Year To Date]

62 and retired, 50/50 with YTD of 5.92.

Best are 2 Vanguard foreign funds and vanguard healthcare in my roth
by dwickenh
Fri May 26, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: House Down Payment vs Retirement
Replies: 8
Views: 1218

Re: House Down Payment vs Retirement

dwickenh wrote: I am big on compromise, try to split the savings between the down payment and retirement. It may take a little longer to save for the house, but at least the compounding machine of retirement savings does not get interrupted. You could also look for a "luxury or two" that y...
by dwickenh
Thu May 25, 2017 6:17 am
Forum: Investing - Help with Personal Investments
Topic: House Down Payment vs Retirement
Replies: 8
Views: 1218

Re: House Down Payment vs Retirement

I am big on compromise, try to split the savings between the down payment and retirement. It may take a little longer to save for the house, but at least the compounding machine of retirement savings does not get interrupted. You could also look for a "luxury or two" that you could do with...
by dwickenh
Wed May 24, 2017 10:17 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 89
Views: 9984

Re: Zacks says sell Wellesley!?

Toons wrote:Please,
Do yourself a favor,
When buying a fund ,
Check back in 10 years before you pull any triggers.
Personally I have owned Wellesley Income for years.
It is a compounding machine.
The "noise" is nonsense :mrgreen:


I am shooting with Toons on this one :sharebeer
by dwickenh
Wed May 24, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Growth (VIGAX) in taxable account?
Replies: 11
Views: 1296

Re: Vanguard Growth (VIGAX) in taxable account?

Growth is up this year..... surely that has no bearing on this decision :mrgreen:
by dwickenh
Tue May 23, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Does auto insurance still hike your rates for a claim?
Replies: 6
Views: 837

Re: Does auto insurance still hike your rates for a claim?

Some companies have accident forgiveness for first claim, some have dollar limit before it is counted as a claim, and some just jack up your rates for any type of claim. Your state farm agent should be able to answer the question prior to submitting any claim.
by dwickenh
Tue May 23, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 89
Views: 9984

Re: Zacks says sell Wellesley!?

dbr wrote:If Wellesley were really such a great fund people would not keep asking whether or not they should be invested in it.


I hear the same questions about the 3 fund portfolio, but I think we all agree it is a good choice.

Best to you,

Dan
by dwickenh
Tue May 23, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 89
Views: 9984

Re: Zacks says sell Wellesley!?

Selling now would be performance chasing in livesoft's example of lifestrategy with it's foreign stock component. Or maybe it is just about rebalancing? In 2016, Wellesley returned 8.16% while LifeStrategy Conservative Growth returned 5.96%. If one was only looking at 2016, then staying in Wellesle...
by dwickenh
Tue May 23, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 89
Views: 9984

Re: Zacks says sell Wellesley!?

Selling now would be performance chasing in livesoft's example of lifestrategy with it's foreign stock component. Wellesley is a long term investment that has shown to be a well managed, inexpensive, active fund. I have 20% of my portfolio in this fund. I also have 10% of my portfolio in foreign sto...
by dwickenh
Tue May 23, 2017 7:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard 1st in J D Powers investor ranking
Replies: 4
Views: 571

Vanguard 1st in J D Powers investor ranking

Nice article on Vanguard placing 1st in this J D Powers survey.

https://www.financial-planning.com/slid ... g-jd-power

We hear from many that don't like the service, but overall value appears to overcome that.

Dan
by dwickenh
Sun May 21, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 21
Views: 1395

Re: Auto Insurance Question

Ability to pay all of your bills, save for retirement, spend less than you make are all correlated with certain personality traits that may be appealing to an insurance company taking a risk on someone they have never met. If you think of all the people you know, which ones would you consider to be ...
by dwickenh
Sat May 20, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 21
Views: 1395

Re: Auto Insurance Question

Most insurance companies are now using your credit score as part of the rating system. They have found that people with good scores also have less claims. The opposite is true of poor credit leading to increase in losses per their statistics. I am not sure if this is affecting your rates, and there ...
by dwickenh
Wed May 17, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Question - HO Insurance Claim paid out, but Insurer and Contractor still arguing
Replies: 13
Views: 768

Re: Legal Question - HO Insurance Claim paid out, but Insurer and Contractor still arguing

There is some bad information floating around in the thread that has been addressed. On a homeowner claim, an insurance company will often issue a first check for the ACV less deductible as an undisputed amount. There are jurisdictions that frown upon an insurer withholding payment as they go back ...
by dwickenh
Wed May 17, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Forced Retirement
Replies: 28
Views: 2872

Re: Forced Retirement

If your SS will generate about 50,000 between the 2 of you (26,000 for you and 24,000 for her) then your 50/50 portfolio of 1,500,000 may be enough to produce the additional 60,000 you need to hit the 110,000 income. 4% of 1.5 million is 60,000 and that is the withdrawal rate most often shared on th...
by dwickenh
Wed May 17, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Question - HO Insurance Claim paid out, but Insurer and Contractor still arguing
Replies: 13
Views: 768

Re: Legal Question - HO Insurance Claim paid out, but Insurer and Contractor still arguing

Cashing the check should have no bearing on a first party insured claim. If there was additional damage, the Inusrance company still owes for the repairs.
by dwickenh
Wed May 17, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Question - HO Insurance Claim paid out, but Insurer and Contractor still arguing
Replies: 13
Views: 768

Re: Legal Question - HO Insurance Claim paid out, but Insurer and Contractor still arguing

It seems from what you have said that you have the repair check/payment, the contractor has completed the repairs, and additional damage has not been paid by the insurance company. I would settle up with the contractor based on the original estimate/agreed figure. I would let the contractor pursue t...
by dwickenh
Wed May 17, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Mini Milestone 100K
Replies: 19
Views: 1626

Re: Mini Milestone 100K

Grats on the milestone, keep up the great savings rate- consistent savings is your best asset leading to retirement.

Dan
by dwickenh
Mon May 15, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: "Can this fee structure save actively managed funds"
Replies: 10
Views: 956

Re: "Can this fee structure save actively managed funds"

Problems: 1. I do not trust the fund company to not decide after several years to change the structure back to high-cost active; if I have taxable accounts invested, then selling funds is a taxable event and something I'd rather avoid. 2. Worst case is not the fund charging fund 5/10 basis points. ...
by dwickenh
Mon May 15, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: "Can this fee structure save actively managed funds"
Replies: 10
Views: 956

"Can this fee structure save actively managed funds"

Interesting article "Can this fee structure save actively managed funds" http://www.thinkadvisor.com/2017/05/14/can-this-fee-structure-save-actively-managed-funds?eNL=59108a13150ba0980f6cd1e9&utm_source=TA_PortfolioBuilder&utm_medium=EMC-Email_editorial&utm_campaign=05152017 Wo...
by dwickenh
Sun May 14, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Is there any reason I should invest any additional money into bonds?
Replies: 29
Views: 2921

Re: Is there any reason I should invest any additional money into bonds?

Benjamin Graham advises to have no more than 75% in stocks. Although the author may seem less than current, the advice is timeless in my opinion. I believe your situation may allow for 75/25 AA if you think you will regret lower returns for safety. I believe the difference in return from 50/50 will ...

Go to advanced search