Search found 113 matches

by naha66
Mon Jul 10, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 15309

Re: Dividend Misunderstandings & Only Spend Return

A major point in the dividend debate is the fact that dividends are taxed at a higher rate than capital gains . Most people think that the money will be better spent by the taxpayers than the government. I think that some investors believe that they will spend the profits better than the folks who ...
by naha66
Fri Jul 07, 2017 1:52 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 15309

Re: Dividend Misunderstandings & Only Spend Return

6. Aversion to "selling" - it feels like a loss of assets. As long as the number of shares doesn't go down then I don't feel like I am decumulating. Coda. If the company is buying back stock you are actually *accumulating* even though it won't feel like it. The only problem with buying ba...
by naha66
Tue Jul 04, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand this preferred stock
Replies: 11
Views: 973

Re: Help me understand this preferred stock

I have traded preferred stocks for a couple decades but never owned this one. The issuing company, Chico's FAS , is a women's apparel enterprise. The preferreds are callable at $25 per share in 2023 and 2025 respectively. You can find more detailed information on the links below from m, a very good...
by naha66
Sun Jun 18, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?
Replies: 132
Views: 12487

Re: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?

Do you want $300 a month that you don't pay any taxes on? Or do you want $600 a month that you pay $300 a month taxes on leaving you with $300 a month to spend? Why do smart people make statements like this, not everybody is in the same tax bracket/situation. These blanket statement are bad, you ne...
by naha66
Sun Jun 11, 2017 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Financial Advice for a Widow
Replies: 21
Views: 2492

Re: Seeking Financial Advice for a Widow

Single Premium Immediate Annuities are about the only annuities recommended on the forum. Consideration might be given to so called longevity insurance. All such products have drawbacks and are not for everyone but they are worthy of consideration particularly with the disappearance of the employer...
by naha66
Mon May 29, 2017 4:12 am
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 6150

Re: Retiring in southern college town

Barefootgirl wrote:
It's not like the south is really that different, anyway.


From my point of view, it's quite different, but less so in college towns and most of Florida.

I am looking forward to leaving.





:beer I've have a beer when you leave :D
by naha66
Thu May 25, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1 Day Transfer
Replies: 40
Views: 6064

Re: Ally 1 Day Transfer

I spoke to Ally today since I was not seeing 1 day transfer as an option for one of my external bank accounts, but was seeing for another. They informed me that in order to qualify for 1 day transfers, you must have transferred at least $200 every 60 days and their system only checks this every 3 m...
by naha66
Tue May 16, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: How Old Habits Can Sabotage Retirement
Replies: 51
Views: 7798

Re: How Old Habits Can Sabotage Retirement

Hmmm. There are better ways to ensure prudent spending in retirement while allowing investors to maintain the psychological comfort of a wall between capital and income. One is by “managed payout” funds that pay a percentage of their value, such as an annual 4% “income,” in installments specified b...
by naha66
Mon May 15, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Safe, low volatility ETFs with monthly dividend payout
Replies: 14
Views: 942

Re: Safe, low volatility ETFs with monthly dividend payout

Can anyone recommend one or more safe, low volatility ETFs with monthly dividend payouts? Thanks. I don't know what your definition of "low volatility" covers. Short term bond funds (above) have the lowest volatility but the lowest dividends. An Intermediate bond fund will pay out more, b...
by naha66
Sat May 13, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: recent widow needs help with life insurance payout options
Replies: 44
Views: 3415

Re: recent widow needs help with life insurance payout options

If I am hearing people correctly it sounds like Option #3 (Life Income) is not "the deal of a lifetime", i.e. I thought collecting $356,000 if I live to age 85 sounded like a huge amount of money, but maybe it's not.. I wouldn't go so far as to say it's the "deal of a lifetime",...
by naha66
Tue May 09, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: S. Korea (Seoul+DMZ tour+?), 1 week in mid-May
Replies: 13
Views: 1606

Re: S. Korea (Seoul+DMZ tour+?), 1 week in mid-May

Wow, Korean food lousy? I think it's a highlight of a trip to Korea. It's worth investing some time to learn about it before you go. With a week, you won't have time to venture too far from Seoul, especially with a day spent at the DMZ. You might try a day trip to Suwon fortress and a day at the Ko...
by naha66
Mon May 08, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 258
Views: 38395

Re: Kotlikoff: When Should you Take Social Security?

Its their retirement, so they should do what makes them happy. However, I have found that many folks on this board are predisposed to collect at 70 and pretty much blow off any opposing collection strategies.

I have a minor child, I would be dumb to wait.
by naha66
Sun May 07, 2017 2:50 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3682

Re: Deceptive Billing by Dermatologist?

DW contacts local dermatologist practice to inquire about having a few lesions frozen as a cash / customer pay transaction. She is given a number as a flat fee for freezing up to xx number of lesions. She arrives at office and again explains her reason for visiting and pays up front the flat fee. O...
by naha66
Sun Apr 30, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3682

Re: Deceptive Billing by Dermatologist?

Let me play the Devil's advocate. A patient goes to a dermatologist for self paid cosmetic work. During the exam the the dermatologist sees a lesion which is a possible melanoma (serious skin cancer). But because the patient was there for only the cosmetic work she disregards it. The lesion indeed ...
by naha66
Sat Apr 01, 2017 1:02 am
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 61
Views: 10141

Re: Do you use lifestrategy/ asset allocation funds?

'm looking at Ishares AOM iShares Core Moderate Allocation ETF, being a Expat(us citizen) not suppose to own mutual funds. Schwab says I can own these. I'm at Scottrade now pending their merger with Ameritrade and they don't like expats. Anybody have thoughts on these etf"s. AOM looks like 40/6...
by naha66
Mon Jan 30, 2017 1:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 112
Views: 22874

Re: Vanguard's Wellesley Income fund is incredible

Dottie57 wrote:Is OP taling about Wellesley or Wllington? Wellesley is not 60/40 stocks to bonds but. About 33/66 according to Vanguard site. Wellinton is the on which is 60/40.


Read the OP again.
by naha66
Sat Jan 28, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Help with mother-in-law's finances
Replies: 34
Views: 2926

Re: Help with mother-in-law's finances

I don't know what you people are reading, her expenses are only 30k a year. If she take the annuity her monthly short fall is $820, take 6k out of the 401k(+a little extra to cover taxes). As for the downsizing comment Why? She is going to be making 45k plus a year and the $1680 annuity. 265K in a 4...
by naha66
Fri Jan 20, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Diversified Equity Fund (VDEQX) on taxable
Replies: 9
Views: 822

Re: Vanguard Diversified Equity Fund (VDEQX) on taxable

I would look at VEIPX(Vanguard Equity-Income). Not everybody has to worry about investments in taxable.


https://www.portfoliovisualizer.com/bac ... sisResults
by naha66
Sat Jan 07, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Income funds
Replies: 26
Views: 2520

Re: Income funds

FARFX appears to be closed to new investors, maybe you mean FIXRX? In my personal opinion the Fidelity "income replacement" funds are just silly. It's hard to think of a situation in which they make sense. You can come up with scenarios, but you have to think about them. The big problem i...
by naha66
Sat Dec 10, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX, VWELX, VWINX - keep or sell?
Replies: 4
Views: 792

Re: VDIGX, VWELX, VWINX - keep or sell?

They are closing VDIGX to new money because too much $$ is going in it. Vdigx it is a very popular fund just not on this board. VDIGX has outperfomed VTI for the past 15 years.


http://performance.morningstar.com/fund ... ture=en_US
by naha66
Tue Nov 08, 2016 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio adjustments?
Replies: 3
Views: 617

Re: Portfolio adjustments?

Zero deb t Single Fed tax 15% state tax 3.51% Nebraska,spend 10 months living overseas 61 retired 45/55(counting cash) Less than 20% international mid 6 figures SS 62\1675,66/2/$2230, 70/$2950 Taxable 55% Cash 16% at capital one money market at !% Veipx 19% Vanguard Equity-Income Bnd 15% Bsv 5% Van...
by naha66
Sat Nov 05, 2016 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio adjustments?
Replies: 3
Views: 617

Portfolio adjustments?

Zero deb t Single Fed tax 15% state tax 3.51% Nebraska,spend 10 months living overseas 61 retired 45/55(counting cash) Less than 20% international mid 6 figures SS 62\1675,66/2/$2230, 70/$2950 Taxable 55% Cash 16% at capital one money market at !% Veipx 19% Vanguard Equity-Income Bnd 15% Bsv 5% Van...
by naha66
Sun Oct 30, 2016 12:02 am
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 7200

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calculat...
by naha66
Sat Oct 29, 2016 11:49 pm
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 7200

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calculat...
by naha66
Sat Oct 29, 2016 11:40 pm
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 7200

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calculat...
by naha66
Thu Oct 27, 2016 9:30 pm
Forum: Investing - Theory, News & General
Topic: Part one of two parter on dividend strategies via active funds
Replies: 5
Views: 763

Re: Part one of two parter on dividend strategies via active funds

Since I can't buy DFA funds without a advisor, What are your fees? I could not find them on your site.
by naha66
Fri Oct 14, 2016 2:33 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's New Book is Available Now!
Replies: 164
Views: 20703

Re: Larry Swedroe's New Book is Available Now!

Naha66, "Financial Porn" is a pretty strong statement. The TSMers can certainly argue whether diversifying across factors is worth the increased costs, complexity, tracking error. But describing a Larry Swedroe book as "Financial Porn" is really completely out of line. As I'm su...
by naha66
Thu Oct 13, 2016 8:43 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's New Book is Available Now!
Replies: 164
Views: 20703

Re: Larry Swedroe's New Book is Available Now!

This is financial porn for the vast majority of us, The book is for the financial geeks of the board, will it really make much of difference. I don't think so.
by naha66
Fri Oct 07, 2016 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Foresters Life? [Life Insurance]
Replies: 43
Views: 3483

Re: Foresters Life?

I corrected the typo - these are Deferred INCOME Annuities not INDEX ALL annuities are garbage. That's basically an immediate annuity. Post a link to the prospectus and I'll dissect it. Putting money into an immediate annuity (AKA income annuity) is like deciding that taking a vacation at age 65 is...
by naha66
Tue Oct 04, 2016 11:41 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 6229

Re: Mitsubishi ductless heating/cooling unit

I have the Mitsubishi mini-split system in our new addition. I cannot believe how cool in makes the new 12X20 room. In just 5 minutes if I turn on the AC it works great. This unit is not noisy at all, very quiet. It does blow air like a breeze so don't put it in direct flow of where you are sitting...
by naha66
Sun Oct 02, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Desktop vs. Laptop Computer
Replies: 56
Views: 5072

Re: Desktop vs. Laptop Computer

Desktop is the best if you have tablets already. Desktops last longer, are easier/cheaper to fix and upgrade.
by naha66
Wed Sep 28, 2016 10:09 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 55
Views: 9707

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

rattlenap wrote:Yes, Warren Buffett actually stated on more than one occasion this is what he would recommend for the average investor. Whether he is right or not is anybodies guess.


Show me where he is quoted saying this, and when he is not talking about his wife's trust.
by naha66
Mon Sep 26, 2016 5:26 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 55
Views: 9707

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index Where did he recommend that? I only saw where he instructed the trustee for his wife's assets to invest his wife's assets that way after he is gone. +1 I think either people can't read or don't bother.
by naha66
Fri Sep 16, 2016 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Met life Modified Annunity Contract
Replies: 21
Views: 2169

Re: Met life Modified Annunity Contract

Hey boglefeet (JoeyMarket) if you don't know the the terms of the annuity you have no business telling him what to do. Lets Wellsroad report back on the terms of annuity and some of the poster on this site that know annuities can give him suggestions. To make the blanket statement this annity is ba...
by naha66
Wed Sep 14, 2016 3:38 am
Forum: Investing - Help with Personal Investments
Topic: Met life Modified Annunity Contract
Replies: 21
Views: 2169

Re: Met life Modified Annunity Contract

Hey boglefeet (JoeyMarket) if you don't know the the terms of the annuity you have no business telling him what to do. Lets Wellsroad report back on the terms of annuity and some of the poster on this site that know annuities can give him suggestions. To make the blanket statement this annity is bad...
by naha66
Wed Sep 07, 2016 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Planning Questions ... UPDATE
Replies: 48
Views: 6745

Re: Early Retirement - Planning Questions ... UPDATE

Her 401k at work (not available until she is 65 per 401K plan.

Is this true? I have never heard of this, not even a roll over when you leave for any reason?
by naha66
Wed Sep 07, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: PDT. What is this fund?
Replies: 15
Views: 1317

Re: PDT. What is this fund?

Seems PDT is a relatively high cost, high risk, leveraged closed end fund that has performed well in an environment of generally decreasing interest rates when many investors are grasping for yield . There appears to be few competitors in this sector of the closed end arena. This fund may not perfo...
by naha66
Wed Sep 07, 2016 6:27 am
Forum: Investing - Help with Personal Investments
Topic: PDT. What is this fund?
Replies: 15
Views: 1317

Re: PDT. What is this fund?

It may have high fees but the manager has earned it. I used to own it, hindsight wish i hadn't sold it.

http://performance.morningstar.com/fund ... ture=en_US
by naha66
Tue Aug 30, 2016 11:53 pm
Forum: Investing - Theory, News & General
Topic: Farmland investing
Replies: 35
Views: 5075

Re: Farmland investing

We own a large family farm in Nebraska and, like mentioned in previous posts, farmland prices have cycles and we currently are near peak bubble price levels (it currently is 10% down from the peak in mid-2013). This particular farmland bull market started in 2005 with the approval of the Renewal Fu...
by naha66
Mon Aug 29, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 116
Views: 12011

Re: Buying a new home at age 50 in a nicer neighborhood

I would think twice about buying the 1st home that backyard is a deal killer for most buyers. That was the backyard,the downhill off the patio/deck? If you ever have to sell you lose a lot of buyers. My brother had a back yard like that it took for ever to sell and when he did sell it almost 15% und...
by naha66
Sun Aug 28, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: How much PrimeCap vs Total Stk Mkt
Replies: 25
Views: 2331

Re: Total International Bond Index Fund ?

EDIT: Taylor - I took a few more mins to look at that Target Retirement fund. Seems a bit odd to me. I realize the "set it and forget it" approach that would be helpful to many, but some of the components are questionable. 16% is in the International Bonds fund!?!? I thought the jury was ...
by naha66
Sun Aug 28, 2016 3:13 am
Forum: Investing - Theory, News & General
Topic: "How to Tell if Your Retirement Nest Egg Is Big Enough"
Replies: 61
Views: 15316

Re: "How to Tell if Your Retirement Nest Egg Is Big Enough"

with 20-25 years worth of residual expenses in "safe" fixed income In the age of no pensions having 20-25 years invested with no risk does not seem practical for middle class. Think that would translate into never retiring or maybe retiring at 65. A plan to work until 65 for Fortune 500 c...
by naha66
Thu Aug 25, 2016 4:47 am
Forum: Investing - Help with Personal Investments
Topic: Help with my Mother's investments
Replies: 9
Views: 920

Re: Help with my Mother's investments

Vanguard sell spia annuities You can call them they work commission free. You can go here http://www.immediateannuities.com and get a idea of rates. Remember only a spia.
by naha66
Thu Aug 25, 2016 4:29 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 20586

Re: Retirement: Where $200K Will Last 30 Years

I'm surprised the Philippines didn't make the list. English is also widely spoken here. I have a 2 bedroom apt,along with all utilities (elect,cable,internet and water for about $375. We have one big and one small mall less than a 10 minute walk. We even have a TGIF, 2 Starbucks,Seattle Best, and ot...
by naha66
Wed Aug 24, 2016 4:47 am
Forum: Investing - Help with Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 7689

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

I'd like to hear how that conversation goes. HE: Hey honey! Since my at-home business has slowed down, why don't we just say I "retired". Of course we need money to live on, so I think it would be safe if you just kept working...until you get enough Social Security for us to live off of. ...
by naha66
Tue Aug 23, 2016 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my Mother's investments
Replies: 9
Views: 920

Re: Help with my Mother's investments

It might wise to check out a SPIA annuity with only $196500 in funds. 120k will get her about $700 a month. That still leave her with $76k to invest in a very conservative low cost fund or just put it in CDs. Most likely her disability is cola so only 30% of her income is exposed to inflation. She c...
by naha66
Wed Aug 10, 2016 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 116
Views: 12011

Re: Buying a new home at age 50 in a nicer neighborhood

your savings of ~$900K are lower than BH standards.


I just love statements like these. :?