Search found 4149 matches

by midareff
Thu Jul 28, 2016 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Are there any dental insurance worthwhile?????
Replies: 31
Views: 2727

Re: Are there any dental insurance worthwhile?????

Although this is not insurance, Coast to Coast offers dental discounts on Dental Services. I was fortunate in that our local dentist is a participant. I just printed out the card and presented it to the dentist. The only cost was a little , printer ink and paper :happy http://coast2coastrx.com/inde...
by midareff
Tue Jul 26, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: RMD distributions
Replies: 5
Views: 947

Re: RMD distributions

In other words you must take out more than the required RMD. The amount over the RMD can be converted but again, that also is taxable.
by midareff
Tue Jul 26, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: HELP - After Market Rims?
Replies: 14
Views: 917

Re: HELP - After Market Rims?

I'll try to keep this concise. Say I have a car with stock rims of 17 inches. I want to buy after market rims, potentially moving up to 18 inch rims. 1) I have heard that even if the rim is the exact same size the car will sometimes sit different with after market rims. Is this true? I was reading ...
by midareff
Mon Jul 25, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 5848

Re: 4% rule - Asset Allocation

I read the tables as presented to say that historically, if you had withdrawn 4% on a 70/30 portfolio (I assume adjusted for inflation), you would have run out of money only 2% of the time (i.e., 98% success rate). The good news is that a 50/50 portfolio is actually safer (100% success rate). But I...
by midareff
Mon Jul 25, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 5848

Re: 4% rule - Asset Allocation

You may be right on sperr8 but I think it is appropriate to add that 7 of your 9 retired years have been spent in what is now the second longest running bull market in history. While there may be many, many market outcomes for today's retirees I don't think that is one of them. We cannot be sure wh...
by midareff
Sun Jul 24, 2016 11:30 am
Forum: Investing - Theory, News & General
Topic: High Yield Junk Bonds
Replies: 51
Views: 4128

Re: High Yield Junk Bonds

If you like your bonds on a roller coaster ride they are fine.. if not they won't fit. I can handle some volatility in a small slice of my IRA portfolio in return for some additional return. I've been slowly decreasing my VWEAX holding towards it's (now) target of 5% of portfolio. It's a getting old...
by midareff
Sat Jul 23, 2016 10:51 pm
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 2581

Re: Should one upgrade to Windows 10? Free thru July 29?

...and quite a few others programs were an easy install, except Adobe Lightroom which took 2 days of total hassle to get installed. What were the issues with Lightroom? I have both Lightroom (V5, 64 bit) and Premiere Elements v11 on my Win7 machine (both older versions and I have no desire to pay f...
by midareff
Sat Jul 23, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 5848

Re: 4% rule - Asset Allocation

I read the tables as presented to say that historically, if you had withdrawn 4% on a 70/30 portfolio (I assume adjusted for inflation), you would have run out of money only 2% of the time (i.e., 98% success rate). The good news is that a 50/50 portfolio is actually safer (100% success rate). But I...
by midareff
Sat Jul 23, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 2581

Re: Should one upgrade to Windows 10? Free thru July 29?

I have a formerly Win 8.0 computer that would not upgrade to 8.1 so I could take advantage of the free offer to go to 10. It was Administrator blocked despite my being the Administrator. I went ahead an purchased Win 10 from the MSFT store and downloaded it and it would not install either. I contact...
by midareff
Sat Jul 23, 2016 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 153
Views: 13841

Re: Evicting a tenant-Hire lawyer?

I was planning on reaching out to her employer soon. In order for the magistrate to issue a warrant for the bad checks, I have to mail her a certified letter demanding payment. However, she won't provided me with her new address, so I don't have anywhere to mail it. I was going to call her employer...
by midareff
Fri Jul 22, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Check Fraud
Replies: 26
Views: 2872

Re: Check Fraud

Sorry to hear/read of your difficulties. Another reason to do business by credit card.
by midareff
Fri Jul 22, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 5848

Re: 4% rule - Asset Allocation

You may be right on sperr8 but I think it is appropriate to add that 7 of your 9 retired years have been spent in what is now the second longest running bull market in history. While there may be many, many market outcomes for today's retirees I don't think that is one of them. We cannot be sure wh...
by midareff
Wed Jul 20, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 153
Views: 13841

Re: Evicting a tenant-Hire lawyer?

Thank you for the input. The tenant did pass a preliminary background/credit check. They have a net income of over 3x rent and a mediocre credit rating. The doctor they work for provided a personal, written recommendation verifying her employment, salary and "character". Also, pay stubs a...
by midareff
Tue Jul 19, 2016 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation: good idea?
Replies: 11
Views: 1067

Re: Deferred Compensation: good idea?

FWIW, I'm 5 years retired at age 68 and started doing the maximum deferred comp allowed by my former municipal employer about 25 years prior to retirement. Last few years I've been doing Roth conversions and have absolutely no regrets about facing a marginal tax bump or two at age 70.5.
by midareff
Thu Jul 14, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Best Place to Get Car Loan
Replies: 10
Views: 643

Re: Best Place to Get Car Loan

I found PenFed to be as good as they get. They financed my Benz for 5 years @ 1.49% and a condo mortgage at 3.0%.
by midareff
Thu Jul 14, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: Recourse for a failed dental crown at 3 years
Replies: 22
Views: 1819

Re: Recourse for a failed dental crown at 3 years

Sorry to hear the news...... I had the crown (and molar) removed after the crown had been on for near 25 years. There was a root problem near the sinus that did not appear to be an easy endodontic fix so I opted for the removal and implant route. A well done crown should be good for 20 years or long...
by midareff
Thu Jul 14, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 5848

Re: 4% rule - Asset Allocation

This table from a Forbes article gives the swr for various portfolios and withdrawal rates. For 30 year wd, 75-50% stocks appear to be safe. ( well, 75% gives a 98% chance) it is based on the updated trinity study. http://blogs-images.forbes.com/wadepfau/files/2015/06/trinity-study-column.jpg Link ...
by midareff
Tue Jul 12, 2016 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: CD question: would you take 3% guaranteed for 7 years?
Replies: 45
Views: 4367

Re: CD question: would you take 3% guaranteed for 7 years?

nalor511 wrote:Which CU is this, and is it IRA or post tax?


Yes, please share the source.
by midareff
Tue Jul 12, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement spending/glide path
Replies: 25
Views: 2798

Re: Early retirement spending/glide path

You retire, market drops 50%, your portfolio is now $1.4M ... market does another lost decade before recovery. How well are you sleeping? We often forget that early retirees have an extra option in this case...returning to work. That's not a sure thing, especially if the market is tanking, but it *...
by midareff
Tue Jul 12, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns
Replies: 144
Views: 11487

Re: Historical Bond Returns - Shiller: From Rates to Returns

On the positive side, our ladder-like construction, even if we kept bonds until maturity, should have a pretty high duration, as all coupons are reinvested in new long bonds, tilting the weighting of maturities, within the ladder, towards longer maturities. So, it shouldn't be too bad an estimate o...
by midareff
Tue Jul 12, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: What is your taxable account investing strategy?
Replies: 29
Views: 2916

Re: What is your taxable account investing strategy?

I used to slice and dice there but have changed over the last couple years to keep it simpler. Equities are 70/30 US/Int and are roughly 40% of total in taxable. The balance being almost all IT Tax-Ex (VWIUX).
by midareff
Tue Jul 12, 2016 9:23 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns
Replies: 144
Views: 11487

Re: Historical Bond Returns - Shiller: From Rates to Returns

Averages of daily data. Copyright, 2016, Moody's Investor Services. Reprinted with permission. Moody's tries to include bonds with remaining maturities as close as possible to 30 years. Moody's drops bonds if the remaining life falls below 20 years, if the bond is susceptible to redemption, or if t...
by midareff
Tue Jul 12, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 64
Views: 3701

Re: Passwords

Loandapper wrote:Last Pass Premium account. It will change the way you use the internet for the better.


Same here although I don't use mobile devices for access. Makes using 12 and 14+ character alpha numeric passwords easy peasy.
by midareff
Tue Jul 12, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3684

Re: Do you have any retiree healthcare benefit from your employer?

Was wondering how it works. When people say they have retiree healthcare benefits from their former employer, does that mean beyond the basic Medicare premium that one has to cover themselves out of pocket or deducted from their social security? Everyone pays that portion regardless of what retiree...
by midareff
Tue Jul 12, 2016 9:10 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns
Replies: 144
Views: 11487

Re: Historical Bond Returns - Shiller: From Rates to Returns

Averages of daily data. Copyright, 2016, Moody's Investor Services. Reprinted with permission. Moody's tries to include bonds with remaining maturities as close as possible to 30 years. Moody's drops bonds if the remaining life falls below 20 years, if the bond is susceptible to redemption, or if th...
by midareff
Tue Jul 12, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement spending/glide path
Replies: 25
Views: 2798

Re: Early retirement spending/glide path

If I was at 85% equities and the current Shiller I would not be sleeping at night. Age 68.5, 5 years retired, 40% equities. Pension and SS pay the bills, the portfolio buys the cruises, toys and lux goods. You retire, market drops 50%, your portfolio is now $1.4M ... market does another lost decade ...
by midareff
Tue Jul 12, 2016 7:53 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns
Replies: 144
Views: 11487

Re: Historical Bond Returns - Shiller: From Rates to Returns

https://fred.stlouisfed.org/series/IRLTLT01USM156N 1955 forward on the Ten from the FRED. Midareff, The bond fund contains all available * FRED 1, 2, 3, 5, 7, 10, 20, and 30-year yields (January average) since 1954, and uses them. You might want to inspect the bond fund simulator spreadsheet. A lin...
by midareff
Tue Jul 12, 2016 7:48 am
Forum: Personal Consumer Issues
Topic: Auto Co Equipment or After Market?
Replies: 11
Views: 713

Re: Auto Co Equipment or After Market?

I would not use second or third hand pricing information to make a decision. #1. Call a couple of dealers yourself for the repair with OEM parts price quotes. #2. OEM is (almost always) more expensive than aftermarket for common parts since they are built to the same standards your vehicle was built...
by midareff
Tue Jul 12, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 779
Views: 469914

Re: Spreadsheet for backtesting (includes TrevH's data)

Not sure what to do with corporates, as I don't believe there is a (public) source for corresponding historical interest rates. Note that the (copyright-protected) SBBI data about LT corporate bonds doesn't display any striking difference with LT treasuries, as far as I recall. AAA Corporates going...
by midareff
Mon Jul 11, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 779
Views: 469914

Re: Spreadsheet for backtesting (includes TrevH's data)

I have a few cosmetic things in the works, but the only other significant change I have on my TODO list is to switch from the 10-1 model to the 10-4 model for the pre-Vanguard 5YrT and IT bonds synthetic returns While we're updating bond data, might we be able to also add long and short (1-3 yr) tr...
by midareff
Mon Jul 11, 2016 8:48 am
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 779
Views: 469914

Re: Spreadsheet for backtesting (includes TrevH's data)

I have a few cosmetic things in the works, but the only other significant change I have on my TODO list is to switch from the 10-1 model to the 10-4 model for the pre-Vanguard 5YrT and IT bonds synthetic returns While we're updating bond data, might we be able to also add long and short (1-3 yr) tr...
by midareff
Fri Jul 08, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5436

Re: What's your asset allocation and why?

age 68.5 and 5 years retired. 40% equities split 70/30 US/Int.. 56% bonds .. 23% IT Tax-Ex in taxable, 22% IT Corp Index, 8% HY and 4% GNMA all in in IRA, balance of roughly 3% in bank cash. Pension and SS pay all the bills.. portfolio pays (nicer) International travel and luxury stuff. The why is e...
by midareff
Thu Jul 07, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 1722

Re: Power surge protector for tv, soundbar??

I live in an area that has occasional lightning strikes and more than occasional electrical voltage spikes. All audio and video systems (3) and computer power supplies are on high quality surge protectors. I would never, never, never do anything else.
by midareff
Thu Jul 07, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Ransomware Attack
Replies: 17
Views: 2079

Re: Ransomware Attack

I've twice had the "you must call" screen and did a hard power off both times. Never a trace of anything afterwards. Run MS Defender, Malwarebytes Premium and Malwarebytes Anti-Exploit.
by midareff
Wed Jul 06, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: 2.05% Five year CD looking very tempting with FDIC
Replies: 3
Views: 908

2.05% Five year CD looking very tempting with FDIC

Certainly looks better than a 1.3 something % treasury. What has happened to the FI world?
by midareff
Tue Jul 05, 2016 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Dashboards for personal finance analysis
Replies: 4
Views: 748

Re: Dashboards for personal finance analysis

I use excel in concert with Morningstar for all my analysis and data presentation. M* has very an amazing array of historical and customizable portfolio data columns available which download easily in .xls format. I download, open my excel book and click update and everything is up to date instantly.
by midareff
Tue Jul 05, 2016 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Upside/downside of a more complex portfolio
Replies: 14
Views: 1038

Re: Upside/downside of a more complex portfolio

Did any tax-loss harvesting happen since you have used this advisor? Did they perform any transactions in the past month related to thing happening with Brexit, that is the big dip and recovery? If they did, would you have done the same thing? If they didn't, then why not? Did you see this current ...
by midareff
Sun Jul 03, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: What is your credit card APR?
Replies: 40
Views: 1687

Re: What is your credit card APR?

-2% and -6%.
by midareff
Sun Jul 03, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1751
Views: 391664

Re: What Movie Have You Recently Watched?

Independence Day and it was one of the worst I have seen in years.
by midareff
Sun Jul 03, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: International Bonds - Update
Replies: 55
Views: 4118

Re: International Bonds - Update

It appears the Total International Bond Fund is presently distributing about 1.2% annualized and has a 7.6 year duration. Your suggesting I would own this to be more "diversified" and have a greater portion of my investments paying less dividends with greater interest rate and duration ris...
by midareff
Sun Jul 03, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13145

Re: What do you spend your money on???

Travel, photography, audio and video, nice resturants and other fancy things.
by midareff
Sun Jul 03, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawal strategies for non-rebalancers?
Replies: 20
Views: 1502

Re: Withdrawal strategies for non-rebalancers?

A more straightforward method sometimes mentioned is bonds first. The idea is that a rising equity glidepath might be a good idea. A liability matching portfolio might have that characteristic as that portfolio is consumed leaving only the "risk" portfolio, depending on how much discretio...
by midareff
Fri Jul 01, 2016 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: how to reflect paying off mortgage in AA?
Replies: 38
Views: 1719

Re: how to reflect paying off mortgage in AA?

bengal22 wrote:Paying off mortgage would not appear in your AA. Once you start investing the increase in your income then whereever you invest it could change your AA.



ditto
by midareff
Fri Jul 01, 2016 6:01 am
Forum: Investing - Theory, News & General
Topic: Equities = musical chairs?
Replies: 93
Views: 3804

Re: Equities = musical chairs?

I've been investing in equities for the better part of 30 years. Still, in all that time, I have always felt that the practice was a form of musical chairs and rested primarily on a bedrock of belief: belief that someone, somewhere, sometime will pay more than you did for your equities. Like gold, ...
by midareff
Thu Jun 30, 2016 7:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Abuss368 has 10,000 posts!!
Replies: 29
Views: 1774

Re: 10,000 posts!!

Congratulations :moneybag Abuss368.. way to go!!
by midareff
Thu Jun 30, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 18
Views: 1090

Re: International Bonds

I believe more and more investors are adding (and may continue to add) international bonds over time. Which does not make it the right thing to do. Every situation is different. Indeed. What about the Vanguard experts who recommend them and update the target funds? My investment problems do not inc...
by midareff
Thu Jun 30, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 18
Views: 1090

Re: International Bonds

I believe more and more investors are adding (and may continue to add) international bonds over time. Which does not make it the right thing to do. Every situation is different. Indeed. What about the Vanguard experts who recommend them and update the target funds? My investment problems do not inc...
by midareff
Thu Jun 30, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 18
Views: 1090

Re: International Bonds

abuss368 wrote:I believe more and more investors are adding (and may continue to add) international bonds over time.



Which does not make it the right thing to do. Every situation is different.

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