Search found 4177 matches

by midareff
Sat Aug 20, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 103
Views: 5763

Re: Favorite Restaurant Stop on Road Trips

Very restricted.. I can grab almost anything but wife doesn't eat meat or fowl anymore so it has to be a place with fish. Preferably fish and ice cream LOL. Most of our road trips we are on the way somewhere.. such as ATL to a Western NC lodge and a sit down and take my order place generally takes t...
by midareff
Sat Aug 20, 2016 9:54 am
Forum: Investing - Help with Personal Investments
Topic: What to do with a deferred comp acct at retirement?
Replies: 6
Views: 491

Re: What to do with a deferred comp acct at retirement?

Deferred compensation is before tax money. You can roll it into an IRA (at Vanguard or Fidelity, etc.) without creating a taxable event. You would contact your plan administrator for their requirements and then the destination IRA folks would work with that to make it happen for you. At least that i...
by midareff
Sat Aug 20, 2016 7:33 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 53
Views: 4378

Re: High RMD’s, would you do anything different?

Before retirement I was contributing the max allowed to a deferred comp account (457b) to lower tax as much as possible. That included double up make up years and max for about 2 decades. As the career continued to flourish I has enough left over to both fund taxable and fund a Roth although I shoul...
by midareff
Thu Aug 18, 2016 7:26 am
Forum: Investing - Theory, News & General
Topic: Computer Security [Risk of using online financial services]
Replies: 22
Views: 1383

Re: Computer Security

- Don't give out your passwords. - Don't log-in on public computers or through wifi. - Keep your computer up to date with virus protection. Good start from Newb... add.. use very long strong passwords at all financial sites with upper and lower case + numeric and character if allowed. A system pass...
by midareff
Tue Aug 16, 2016 9:56 am
Forum: Investing - Help with Personal Investments
Topic: How often do you adjust your AA to account for your age?
Replies: 29
Views: 2125

Re: How often do you adjust your AA to account for your age?

I adjusted each of the the last three years. As much a factor of age and retirement (2012) as the results of a running bull and my steadily declining need/ability/desire to take risk. From a former 48/48/4 equities, bonds cash I decreased to 40/57/3 about 10 months ago. That has drifted to 42/55/3 r...
by midareff
Sat Aug 13, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5171

Re: Do you wash your car yourself, or have it done?

Always did it myself until age and arthritis caught me later 40's.
by midareff
Sat Aug 13, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: How many credit cards are too many?
Replies: 57
Views: 3559

Re: How many credit cards are too many?

For those maximizing rewards, etc, what do you mean? 1. Are you getting rewards from some places that only give you the rewards if you use their card? No, I don't spend enough at any of the places that have single source cards, but I do use various cards that give you cash back: ⋅ 6% on g...
by midareff
Sat Aug 13, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: How many credit cards are too many?
Replies: 57
Views: 3559

Re: How many credit cards are too many?

I've always had 4 or 5 minimum. I probably should have more to help my credit but it is high enough. My wife's credit score is always higher than mine (for many years) and the only difference is she has some store credit cards that are only in her name. Some of our cards have ridiculous limits ($42...
by midareff
Sat Aug 13, 2016 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Wanted: Spreadsheet to help manage contributions
Replies: 15
Views: 954

Re: Wanted: Spreadsheet to help manage contributions

I developed a full set of excel sheets that track anything and everything I might be interested in having details on from variation from target in % and $ and so forth. Investment performance in absolute and real $ and graphs that track the portfolio back to benchmarks. It also feeds a budget book w...
by midareff
Sat Aug 13, 2016 2:50 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 30
Views: 3329

Re: Fidelity Rewards Visa 2% cash back

Anyone use this card? Do you like it? We have used Chase Freedom (now Unlimited) for the last 8 years. We've been happy with the card, the customer service, and the 1.5% cash back. It is the only cc we have, and we thought it might be wise to have a second. We are already Fidelity customers so 2% c...
by midareff
Fri Aug 12, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 132
Views: 6853

Re: How much vacation time do you get at work?

Before I retired (municipal) I received 4 weeks (160 hours) annual vacation time + 2 weeks (80 hours) annual sick time in addition to 13 annual holidays. Unused vacation time and sick time could be banked, as could holidays worked, to be paid later at retirement.
by midareff
Thu Aug 11, 2016 3:59 am
Forum: Personal Finance (Not Investing)
Topic: moving to Thailand: US taxes + how to get money back to the US?
Replies: 29
Views: 2321

Re: moving to Thailand: US taxes + how to get money back to the US?

FWIW, the Bank of Bangkok has a NY Branch. and you can send money back and forth for the least in fees I have found. The account must be opened in BKK and you can send the BKK NY Branch money through the EFT system as long as there is a perfect name match on the accounts.

:sharebeer
by midareff
Thu Aug 11, 2016 3:57 am
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 1784

Re: okay to leave deposit on vehicle?

Personally, I would never leave a deposit. In my opinion, the dealership wants the deposit so that you will not take your business elsewhere. They want to lock you in. I'm not sure the money would legally lock in the dealership. Interesting.... I option my cars the way I want them, not the way the ...
by midareff
Wed Aug 10, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 1784

Re: okay to leave deposit on vehicle?

Personally, I would never leave a deposit. In my opinion, the dealership wants the deposit so that you will not take your business elsewhere. They want to lock you in. I'm not sure the money would legally lock in the dealership. Interesting.... I option my cars the way I want them, not the way the ...
by midareff
Mon Aug 08, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: Need advice, dealer sold me wrong year golf cart
Replies: 35
Views: 2180

Re: Need advice, dealer sold me wrong year golf cart

Toons wrote:"It's kind of hard to say, my wife says he's pulling the wool over my eyes."

I am inclined to believe her.
If able ,
I would get all my money back and move on. :D


+1
by midareff
Wed Aug 03, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Switch from Allstate to Amica/USAA?
Replies: 34
Views: 1904

Re: Switch from Allstate to Amica/USAA?

Was with Liberty Mutual for about 45 years until I started quoting around. The complacency cost me dearly as I changed 5 years ago to Geico at less than half the LM cost. Hartford was next closest price wise. Liberty handled to couple of claims over the decades OK and I have not had occasion to need...
by midareff
Tue Aug 02, 2016 5:36 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2985

Re: anyone own a stingray corvette? how do you like it?

So, what point are you trying to make? MB, Audi, Jaguar...they don't have anything that can compete for anywhere near the pricepoint either. At least right now, from a performance standpoint, a Corvette (or camaro or mustang) doesn't really have a German rival. Load up a vette and load up say an AM...
by midareff
Tue Aug 02, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2985

Re: anyone own a stingray corvette? how do you like it?

Agreed. I'm actually surprised GM allows the Camaro to be so competitive with the Corvette. Pick your favorite flavor - SS, Z28, ZL1. Not only is it cheaper, but you're not sitting on the ground. Granted the vette will be faster in the corners. Possibly, but make sure you're comparing apples to app...
by midareff
Tue Aug 02, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2985

Re: anyone own a stingray corvette? how do you like it?

Have you considered cross shopping a '16+ Camaro SS? 95% of the performance, ~66% of the price and a bit more practicality and comfort. Trust me in that they are far from the oxcarts of years past. Agreed. I'm actually surprised GM allows the Camaro to be so competitive with the Corvette. Pick your...
by midareff
Tue Aug 02, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2985

Re: anyone own a stingray corvette? how do you like it?

Have you considered cross shopping a '16+ Camaro SS? 95% of the performance, ~66% of the price and a bit more practicality and comfort. Trust me in that they are far from the oxcarts of years past. Agreed. I'm actually surprised GM allows the Camaro to be so competitive with the Corvette. Pick your...
by midareff
Tue Aug 02, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2985

Re: anyone own a stingray corvette? how do you like it?

Unless you are really in love with American Iron there are quite a few sedans and coupes that are super comfortable and go very fast. Anything from Mercedes with an AMG 63 or 63S designation is monster fast and very comfortable as is Audi's RS series. I imagine anything from BMW with an M after it ...
by midareff
Mon Aug 01, 2016 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Yet another pension question...
Replies: 12
Views: 1046

Re: Yet another pension question...

Not sure what capped means? If that means to limit the amount received , I not heard of such a thing from people retiring before me. It would mean a maximum amout payable... like in dental insurance.. no matter what you can only get XYZ dollars a year. Working longer to get less makes no sense. I'd...
by midareff
Mon Aug 01, 2016 9:53 am
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 2985

Re: anyone own a stingray corvette? how do you like it?

Unless you are really in love with American Iron there are quite a few sedans and coupes that are super comfortable and go very fast. Anything from Mercedes with an AMG 63 or 63S designation is monster fast and very comfortable as is Audi's RS series. I imagine anything from BMW with an M after it i...
by midareff
Mon Aug 01, 2016 8:08 am
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2088

Re: Edelman on Muni's

Some folks just have to say all kinds of things on radio to make themselves sound ... (drum roll) ... like Cramer.
by midareff
Mon Aug 01, 2016 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Yet another pension question...
Replies: 12
Views: 1046

Re: Yet another pension question...

You might try asking for the formula used. As an example my local plan was number of years of service X 1.6 X average of best five years. If you have the formula and pay records you can calculate it yourself. Is the pension capped?
by midareff
Sun Jul 31, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: How to switch between bonds / stocks to maximize profits
Replies: 23
Views: 1548

Re: How to switch between bonds / stocks to maximize profits

I'm like nedsaid with a 6 year of 9.05% on a basic 50/50 portfolio. I'm more than skeptical.. Auntie Madoff is yanking your leg. BTW, I suspect 80-85% of the investors on this board have a higher performance than the professionals since we know we outperform 80% or more of actively managed funds by ...
by midareff
Sun Jul 31, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6256

Re: New Tipping Practice?

Tycoon wrote:I would not tip in this situation. I would proudly tap the "none" button and smile.



+1
by midareff
Thu Jul 28, 2016 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Are there any dental insurance worthwhile?????
Replies: 31
Views: 2899

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: 989

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: 960

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: 6022

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: 6022

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: 4374

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: 2624

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: 6022

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: 2624

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: 14679

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: 2950

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: 6022

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: 14679

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: 1090

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: 665

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: 1850

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: 6022

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: 4421

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: 2833

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: 168
Views: 13646

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: 2970

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: 168
Views: 13646

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...

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