Search found 3933 matches

by midareff
Thu May 05, 2016 7:27 am
Forum: Investing - Theory, News & General
Topic: Your age in bonds minus ten? Not according to Vanguard
Replies: 80
Views: 4316

Re: Your age in bonds minus ten? Not according to Vanguard

Another way too look at it is to consider SAFEMAX, the highest SWR with 0% failure. It is interesting to discover that the safest allocation was not 100% stocks. Here's a chart SAFEMAX across stock allocations: (Source: http://retirementresearcher.com/william-bengens-safemax/) http://i64.tinypic.co...
by midareff
Wed May 04, 2016 1:18 pm
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 76
Views: 3027

Re: How many funds in your portfolio?

11 funds spread across 4 accounts.
by midareff
Tue May 03, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 2675

Re: Almost perfect credit score (FICO from Amex)

Citi Card - 851, Discover - 830 and AMEX - 844. They say I'm dinged on length of newest card which has to be the new Fidelity Visa, and too many card balances. I have the AMEX Blue Cash Preferred for 6% on groceries and use it for that only, PenFed's 5% on gas used for that only, the Fidelity 2% on ...
by midareff
Tue May 03, 2016 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 74
Views: 3909

Re: Fidelity or Vanguard

You will get a lot of passionate replies, but in my opinion it is a draw and you cannot go wrong with either. I have my Roth IRA at Fidelity and my traditional and taxable at Vanguard and I'm equally satisfied. No complaints about either and the ERs for a 3 fund portfolio are more or less the same ...
by midareff
Tue May 03, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 44
Views: 4946

Re: I cannot stop buying... [Investing/Personal Finance Books]

I stopped at 55 books, although it covered more than a decade. The lights didn't come on until William Bernstein's Four Pillars. Then came Jack, Ric, Larry and others in no particular order.
by midareff
Tue May 03, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: What Rate for Excellent Mortgage Lock
Replies: 7
Views: 511

Re: What Rate for Excellent Mortgage Lock

You can still get PenFEd 30 year at 3.375 with 1.375 points and about every other week they drop it to 3.25% for a couple of days. You might number crunch that one.
by midareff
Tue May 03, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 81
Views: 2551

Sci-Fi ... your favorite movies and episodes??

Interested in seeing what the group likes best. My all time favorites are Avatar as a movie, the last two episodes of Star Trek Voyager, where Janeway time travels to defeat the Borg and return Voyager home. The Stargate introductory movie, the Star Trek Enterprise season end and start episodes wher...
by midareff
Tue May 03, 2016 12:43 pm
Forum: Personal Consumer Issues
Topic: Second IRS Final Notice Filing Law Suit Phone Call
Replies: 19
Views: 2022

Re: Second IRS Final Notice Filing Law Suit Phone Call

Try to install nomorobo if your phone carrier is listed as one. I installed it 2 years ago and it kills all robo calls. I get 4-5 a day and always wait for the second ring. If the call is legit, phone will ring beyond the first ring. It does not work on cell phones. After I say hello I give them ab...
by midareff
Tue May 03, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Software Question [Looking for Windows-based portfolio tracker]
Replies: 11
Views: 827

Re: Software Question

You could sign up with Morningstar and use their free portfolio tracker which is extremely customizable. You could set up an excel spreadsheet or you could use a combination of the two to track about anything you could conceive of very quickly, and free if you have excel.
by midareff
Tue May 03, 2016 9:21 am
Forum: Investing - Theory, News & General
Topic: Withdrawal Efficient Rate (WER) of Variable Percentage Withdrawal (VPW)
Replies: 11
Views: 739

Re: Withdrawal Efficient Rate (WER) of Variable Percentage Withdrawal (VPW)

Very interesting post AlohaJoe. I'm using a VPW as a rough guideline but have decided to apply it to the prior three years portfolio average EOY $ to smooth possible variations in the dollar amount withdrawn yearly. I expect to couple that with a floor and ceiling for extreme market gyrations and ad...
by midareff
Tue May 03, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: buyer's broker
Replies: 10
Views: 465

Re: buyer's broker

We have been looking for new digs and in Florida there are Single and Double agents. Single works only for you and signs off on form so saying. Double works as much for the seller as the buyer.
by midareff
Tue May 03, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Second IRS Final Notice Filing Law Suit Phone Call
Replies: 19
Views: 2022

Second IRS Final Notice Filing Law Suit Phone Call

First one from 917-378-5543 in New York and the second from 312-878-9031in Chicago. Must be the latest "Nigerian Finance Minister" scam of the hour. Unfortunately, they will probably scare some of our more elderly into a credit card number. Beware "heads". EDIT Note: These are ro...
by midareff
Mon May 02, 2016 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help A Special Education Teacher Retire!
Replies: 19
Views: 1620

Re: Help A Special Education Teacher Retire!

I am guessing ahe had to sign off on losing her SS benefits from work but what about former? husband? Can she claim a spousal from that? Tough to collect on another's SS record if you receive a pension from a job not covered by SS. In her case it might be possible since her pension is relatively lo...
by midareff
Mon May 02, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help A Special Education Teacher Retire!
Replies: 19
Views: 1620

Re: Help A Special Education Teacher Retire!

I am guessing ahe had to sign off on losing her SS benefits from work but what about former? husband? Can she claim a spousal from that?
by midareff
Mon May 02, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: No tax advantaged accounts - all muni bonds?
Replies: 12
Views: 1127

Re: No tax advantaged accounts - all muni bonds?

retiredjg wrote:If simplicity is her priority, I'd use 2 bond funds - half total bond and half intermediate term tax exempt. That would be only 4 funds.



Very reasonable IMHO.
by midareff
Sun May 01, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 59
Views: 4171

Re: WOW fantastic Cars in the Wild

Jeez... I've had some really "kool" cars over the years but nothing like a mega buck Ferrari. I had an Austin Cooper 1275 S in 1967 before anyone stateside had an idea of what that was. I've had Porches and raced them. I've gotten old.... and still have some car lust. I feel like I'm runni...
by midareff
Sun May 01, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Visiting Austin TX
Replies: 14
Views: 964

Re: Visiting Austin TX

Visiting Austin TX next week and interested in getting perspectives and ideas from fellow bogleheads about what to do, where to eat, etc. I'll be there for 6 days, staying downtown. Thanks in advance. ky Spent a few days there a couple years ago. Seeing the bats fly from the bridge is a must. The m...
by midareff
Sun May 01, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 50
Views: 3825

Re: How to Bogleheads TRAVEL?

Bogleheads: In this noisy world of headline news, commentators, brokers, experts, advisors, expert advisors, pamphlets, editorials, hedge funds, futures, market neutral funds, shorting, annuities, managers of the year, and the like, I've found incredible solace in the well-informed, and sage princi...
by midareff
Sun May 01, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Limited-Term Tax-Exempt Fund > Ally Bank?
Replies: 12
Views: 1157

Re: Vanguard Limited-Term Tax-Exempt Fund > Ally Bank?

I use an Ally Savings (1.0%) as a first line of cash for expenses other than the ordinary, then the Limited Term Tax-Ex Fund. Bonds in taxable after that are in IT Tax-Ex. LT Tax-Ex has over 3300 issues so I don't see diversification as an issue for a portion of a bond portfolio.
by midareff
Sun May 01, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Best High-Yield Online Account for Emergency Fund?
Replies: 20
Views: 2000

Re: Best High-Yield Online Account for Emergency Fund?

We are currently sitting on a large amount of cash in our savings account which needs to be moved to an online high-yield account. This is emergency fund cash that we would like to easily access if needed. Our checking and savings are at Chase so I would like to put the emergency fund in an account...
by midareff
Sat Apr 30, 2016 10:08 am
Forum: Investing - Help with Personal Investments
Topic: SWAN: Using absolute dollar amount instead of percentage to manage risk
Replies: 27
Views: 2334

Re: SWAN: Using absolute dollar amount instead of percentage to manage risk

Even though I am still working I feel am I exiting the accumulation phase and entering the "won the game" phase, as a result I have a great focus on risk management. I have decided instead of using percentages for asset allocation I will have a maximum amount that I will invest in equitie...
by midareff
Sat Apr 30, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 83
Views: 6766

Re: Selling in May and Walking Away?

and exactly what date was it that you became able to predict this years market, and please share the next 7 months with us, month by month.
by midareff
Sat Apr 30, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 96
Views: 4585

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Partial to Speyside area Scotch's currently with the fav being Glenlivet 12 although Glenfiddich 12 is passable. If I'm going to splurge it will Jameson 18 (Irish Whiskey). Also like a Rhine Valley white at the crossroads of sweet and dry, an occasional Bogle Vineyard's Cab and Sam Adam's Boston Lag...
by midareff
Sat Apr 30, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk banking
Replies: 24
Views: 1757

Re: Let's talk banking

I use Ally Bank for the last 5 years. 1% on savings, .85% on MM, .1% on free checking. Reimburse ATM fees on checking from any ATM up to $8 or $10 a month, live online support chat, electronic deposit from your computer or device. I also have a local Credit Union checking account that requires some ...
by midareff
Fri Apr 29, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best High-Yield Online Account for Emergency Fund?
Replies: 20
Views: 2000

Re: Best High-Yield Online Account for Emergency Fund?

I like Ally, have savings, MM and free checking there. Tied to both Fido, VG and my local CU for EFT's in both directions. Very satisfied, especially the user friendly site to schedule one time or recurring transfers.
by midareff
Fri Apr 29, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 3742

Re: How do you stop robo-calls/unwanted calls?

I seem to recall Andriod phones have the ability to block all calls between certain hours and also restrict incoming to callers on your contact list. We restrict between 10PM and 8AM and may restrict to contacts only if the robo's keep up much longer.
by midareff
Fri Apr 29, 2016 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Help realigning taxable portfolio
Replies: 2
Views: 248

Re: Help realigning taxable portfolio

Are you able to identify cost basis on each? Is there any offsetting capital losses available? If not (losses) you should be able to move the assets with controlled capital gains by identifying the lots producing the least gains and moving them ASAP, and others as you can afford the tax burden or by...
by midareff
Fri Apr 29, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: anonymous flight ticket robot
Replies: 7
Views: 625

Re: anonymous flight ticket robot

I'd suggest you delete all cookies after each search in case it is looking at a recognizable cookie on your machine as a tell tale.
by midareff
Thu Apr 28, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 135
Views: 16251

Re: Who else hates choosing a car?

When it comes to the car you drive, where do you all draw the line in the battle between enjoying your car, and the car that makes the most financial sense? How do you all handle this? Interesting question. I guess I have flip flopped some over the years having gone from a Toyota MR2 I drove daily ...
by midareff
Thu Apr 28, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 135
Views: 16251

Re: Who else hates choosing a car?

When it comes to the car you drive, where do you all draw the line in the battle between enjoying your car, and the car that makes the most financial sense? How do you all handle this? Interesting question. I guess I have flip flopped some over the years having gone from a Toyota MR2 I drove daily ...
by midareff
Wed Apr 27, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 105
Views: 10838

Re: I Hate My Job: Politics at Work (Advice Needed)

I had two careers... one in the private sector where family was abundant in the organization and another in municipal government where cronyism, nepotism and most other isms you can think of were rampant. In both cases I was dedicated to the tasks at hand, worked hard and generally long hours hopin...
by midareff
Wed Apr 27, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: Should I accept this offer on my house?
Replies: 52
Views: 3037

Re: Should I accept this offer on my house?

My house is listed for $450k. Has been on the market for 8 months. My realtor thinks this is a reasonable price; he says house won't have trouble appraising at this value. Zillow estimate is $540k. Received an offer for $400. I countered at $445. Today they countered at $420. They say it's their fi...
by midareff
Wed Apr 27, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: Taxable Account - Bonds - Diversification vs. Tax
Replies: 12
Views: 1192

Re: Taxable Account - Bonds - Diversification vs. Tax

4) You look for a more tax efficient replacement for existing your bond fund if necessary. Right. Breaking your TBM fund into its components can easily give you better tax efficiency. A short Treasury fund is very likely to be more tax efficient than a TSM fund for many of us. Likewise an intermedi...
by midareff
Wed Apr 27, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 47
Views: 4055

Re: Best place to keep vacation funds and emergency funds

Just quoting the current SEC yield, which is what you will receive going forward for VMLUX. Can't agree with you again. https://personal.vanguard.com/us/funds/snapshot?FundId=0531&FundIntExt=INT#tab=4 will plainly show you the distribution yield has been consistently running in the 1.55% range....
by midareff
Wed Apr 27, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 105
Views: 10838

Re: I Hate My Job: Politics at Work (Advice Needed)

...life is full of other's taking credit for your work and offices are full of bosses favorites. They probably got there by doing a great job and not spending their time working outside their direct scope of work unless approved by the report too in advance. That's probably the kind of thing that g...
by midareff
Wed Apr 27, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 47
Views: 4055

Re: Best place to keep vacation funds and emergency funds

It's more like 0.96% if you have at least $50k, or 0.88% for lower amounts. You may be confusing this with the money market account. My savings account dropped way down after paying for an October trip into the mountains, a ten day December Cruise and a 16 day trip to Russia this summer in December...
by midareff
Wed Apr 27, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 47
Views: 4055

Re: Best place to keep vacation funds and emergency funds

It's more like 0.96% if you have at least $50k, or 0.88% for lower amounts. You may be confusing this with the money market account. My savings account dropped way down after paying for an October trip into the mountains, a ten day December Cruise and a 16 day trip to Russia this summer in December...
by midareff
Wed Apr 27, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: Taxable Account - Bonds - Diversification vs. Tax
Replies: 12
Views: 1192

Re: Taxable Account - Bonds - Diversification vs. Tax

Bogleheads, For any investors who would prefer to place Taxable bonds such as Treasuries, TIPS, Corporates, etc. in a taxable account, simply is that a "bad thing"? To piggy back off of some other threads in terms of bonds in a taxable account, at what point is the line in the sand crosse...
by midareff
Wed Apr 27, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 105
Views: 10838

Re: I Hate My Job: Politics at Work (Advice Needed)

You are spending too much time trying to figure out how to win the political game. Resign yourself to loosing that game and just try to focus on contributing the best work. Let your contributions speak for themselves. I know R&D organizations can be political and sometimes those that get ahead ...
by midareff
Wed Apr 27, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Help me convince my spouse
Replies: 34
Views: 3049

Re: Help me convince my spouse

Vanguard offers advisory services. That might be a good compromise. - Tim This service is very high quality and low cost. They provide Certified Financial Planners (the cream of the crop) and are available via telephone and video conferences. They will optimize your investment portfolio based on yo...
by midareff
Wed Apr 27, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: Car books recommendations
Replies: 5
Views: 448

Re: Car books recommendations

Two suggestions if you can find them. Moments, the 50th Anniversary Porsche Book, 1948-1998. #2 The Most Scenic Drives in America - 120 of the most scenic drives in the country. Thanks for the suggestions. I was hoping to find Moments on Amazon but am having trouble finding it. The Scenic Drives se...
by midareff
Wed Apr 27, 2016 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Help me convince my spouse
Replies: 34
Views: 3049

Re: Help me convince my spouse

I have recently "seen the light" on taking control of my families finances, getting away from an advisor, lowering fees, etc. I will eventually be asking for help with our portfolio here. My spouse wants to continue using an advisor (switch to a new one), and her main arguments are that w...
by midareff
Wed Apr 27, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Car books recommendations
Replies: 5
Views: 448

Re: Car books recommendations

Two suggestions if you can find them. Moments, the 50th Anniversary Porsche Book, 1948-1998. #2 The Most Scenic Drives in America - 120 of the most scenic drives in the country. Thanks for the suggestions. I was hoping to find Moments on Amazon but am having trouble finding it. The Scenic Drives se...
by midareff
Wed Apr 27, 2016 8:59 am
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 47
Views: 4055

Re: Best place to keep vacation funds and emergency funds

Ally savings account 1% .. after that I go to Vanguard's Limited Term Tax Exempt Fund yielding about 1.5% Thanks midareff. Can you tell me more about the lttef? You don't have to pay taxes on the interest??? It's more like 0.96% if you have at least $50k, or 0.88% for lower amounts. You may be conf...
by midareff
Tue Apr 26, 2016 6:53 pm
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 47
Views: 4055

Re: Best place to keep vacation funds and emergency funds

Ally savings account 1% .. after that I go to Vanguard's Limited Term Tax Exempt Fund yielding about 1.5% Thanks midareff. Can you tell me more about the lttef? You don't have to pay taxes on the interest??? It's more like 0.96% if you have at least $50k, or 0.88% for lower amounts. You may be conf...
by midareff
Tue Apr 26, 2016 6:50 pm
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 47
Views: 4055

Re: Best place to keep vacation funds and emergency funds

Ally savings account 1% .. after that I go to Vanguard's Limited Term Tax Exempt Fund yielding about 1.5% Thanks midareff. Can you tell me more about the lttef? You don't have to pay taxes on the interest??? It is Federal Tax Exempt... there is no state tax in Florida but you would have to check yo...
by midareff
Tue Apr 26, 2016 2:27 pm
Forum: Investing - Theory, News & General
Topic: Best place to keep vacation funds and emergency funds
Replies: 47
Views: 4055

Re: Best place to keep vacation funds and emergency funds

Ally savings account 1% .. after that I go to Vanguard's Limited Term Tax Exempt Fund yielding about 1.5%
by midareff
Mon Apr 25, 2016 6:24 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 3986

Re: Pros/Cons of Condo Living?

Last twenty years split between two condos. Present one in the 13th year. Building supplies hot water, air-conditioning, hurricane insurance, gas BBQ grills, expanded cable service including two premium movie channels, housekeeping in the hallways and common areas, grounds keeping, building maintena...
by midareff
Mon Apr 25, 2016 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Me vs. Vanguard
Replies: 24
Views: 3833

Re: Me vs. Vanguard

He had a few recommendations that differed from my original plan, and I'd love as always to get your input if you have other comments/thoughts. Just to give you some background I'm 68 and starting year 5 retired. Pension and SS pay the bills, portfolio WR at 3.75% currently pays for all the trips a...
by midareff
Mon Apr 25, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: Car books recommendations
Replies: 5
Views: 448

Re: Car books recommendations

Two suggestions if you can find them. Moments, the 50th Anniversary Porsche Book, 1948-1998. #2 The Most Scenic Drives in America - 120 of the most scenic drives in the country.

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