Search found 78 matches

by yorkpond
Sun Apr 03, 2016 1:01 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging VTSAX to VYM [Vanguard Total Stock Market Index to High Div Yield]
Replies: 6
Views: 751

Re: Exchanging VTSAX to VYM

I would not make any changes. Just sell shares to make up any needed shortfall in cash. Total return is all that matters, and I don't believe there is any reason to expect VYM to have higher total return than VTSAX. If you will be in the 15% Federal bracket (so, 0% on LT cap gains and qualified div...
by yorkpond
Sun Apr 03, 2016 12:57 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging VTSAX to VYM [Vanguard Total Stock Market Index to High Div Yield]
Replies: 6
Views: 751

Re: Exchanging VTSAX to VYM [Vanguard Total Stock Market Index to High Div Yield]

Thank you all for the advice. All that has been mentioned makes a great deal of sense to me. I can especially appreciate the tax advantages of selling shares vs. increasing dividend income. Great answers! Thanks again
by yorkpond
Fri Apr 01, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging VTSAX to VYM [Vanguard Total Stock Market Index to High Div Yield]
Replies: 6
Views: 751

Exchanging VTSAX to VYM [Vanguard Total Stock Market Index to High Div Yield]

My wife and I are both retired. I'm suspending my social security in 2017. Our taxable trust account consists of VTSAX and VTIAX. The total market yields about 2% and the international yields about 3%. Our dividends were recently set to go to the core money market to make up for some of the cash we'...
by yorkpond
Tue Mar 29, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Converting to a 3 fund portfolio (gradually or all at once)?
Replies: 16
Views: 1243

Re: Converting to a 3 fund portfolio (gradually or all at once)?

I had the same situation about 3 years ago transferring my accounts from Fidelity to Vanguard. Please check out the following link. It helped me greatly. In the end analysis, your comfort level is to be considered as well. My thought is as follows: If you're invested fully currently and are satisfi...
by yorkpond
Tue Mar 29, 2016 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Converting to a 3 fund portfolio (gradually or all at once)?
Replies: 16
Views: 1243

Re: Converting to a 3 fund portfolio (gradually or all at once)?

I had the same situation about 3 years ago transferring my accounts from Fidelity to Vanguard. Please check out the following link. It helped me greatly. In the end analysis, your comfort level is to be considered as well. My thought is as follows: If you're invested fully currently and are satisfie...
by yorkpond
Mon Mar 14, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Are CDs Becoming A Worse Investment?
Replies: 40
Views: 4497

Re: Are CDs Becoming A Worse Investment?

IMHO CD's among the very best fixed income investments out there. Totally agree. I've followed numerous contributors on our blog for years on this matter. I've read many books from our most coveted authors. As it's been said over and over, risk should be taken on the equity side. I'm currently 55% ...
by yorkpond
Mon Mar 14, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Determining withdraw strategy (RMDs soon)
Replies: 20
Views: 1378

Re: Determining withdraw strategy (RMDs soon)

I recently found this article online. Seemed worthwhile reading regarding RMD and Dr. Schiller's CAPE method. Check it out. Hope it adds some value to the discussion:
http://time.com/money/4166109/best-reti ... trategies/
by yorkpond
Sun Jan 31, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: VG International Bond Index Fund?
Replies: 11
Views: 889

Re: VG International Bond Index Fund?

retiredjg wrote:If your fixed income slice is only 4%, I would not put part of it in international bonds. Just a waste.

Other than that, I'm neutral on the issue.

Thanks for your reply. Just to clarify my AA: 55% equity, 41% TBM and CD's (roughly 50:50), 4% cash. Any further thoughts on the TIBM?
by yorkpond
Sun Jan 31, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: VG International Bond Index Fund?
Replies: 11
Views: 889

Re: VG International Bond Index Fund?

I would take enough time to read over Vanguard's paper, Global Fixed Income: Considerations for U.S. investors . Seriously. It's pretty good. My personal opinion is that this paper makes an excellent case for the proposition that ...IF you want an international bond fund... ---> THEN you want a cur...
by yorkpond
Sun Jan 31, 2016 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: VG International Bond Index Fund?
Replies: 11
Views: 889

Re: VG International Bond Index Fund?

Thanks for the info lack_ey. I did reduce my TBM holdings with some CD's from PenFed an Northwest Fed CU which now account for about 50% of fixed portion of my portfolio. I always keep an eye on new offerings trying to keep the "riskier" portion of the portfolio in equities. I do have a ph...
by yorkpond
Sun Jan 31, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: VG International Bond Index Fund?
Replies: 11
Views: 889

VG International Bond Index Fund?

The flagship guy recommended 20% of the fixed income part of the portfolio be invested in the VG Total International Bond Index Fund. Any thoughts on this? Low yields currently with high prices. Another rep suggested 30%! This would be a long hold in a 55/41/4 portfolio. Love to get opinions of the ...
by yorkpond
Sun Dec 27, 2015 11:11 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 894

Re: Roku remote problems

I strongly suspect that the latest Roku software update introduced a few bugs notably with Netflix. I got issues which I originally attributed to a flaky remote, but it was actually the software that froze... When waking up from the sleep mode, go 'home' right away, and restart whatever channel app...
by yorkpond
Sat Dec 26, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 894

Re: Roku remote problems

SpringMan wrote:You can download the Roku app which turns your smart phone or tablet into a Roku remote.
!

Right! This works just fine. I'm still trying to get the original remote to wake up. I'll try to pair the remote using the iPhone app for Roku. Thanks
by yorkpond
Sat Dec 26, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 894

Re: Roku remote problems

bengal22 wrote:I just take the battery out and then put it back in and it always worked. Or unplug the Roku. One of those 2 things always worked.


Unfortunately, this stopped working for me the second time. I'll keep trying other methods.
by yorkpond
Sat Dec 26, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 894

Re: Roku remote problems

Have you tried to re pair the remote with the ROKU? Perhaps support already had you do this, but if not, Make sure your batteries are fresh and inserted correctly. Go to system info and find the pair remote setting. Use the very small button located in the battery compartment, push it down, and tha...
by yorkpond
Sat Dec 26, 2015 8:50 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 894

Re: Roku remote problems

SpringMan wrote:You can download the Roku app which turns your smart phone or tablet into a Roku remote.


I've pretty much done all the remedies mentioned; but, it's a good idea to use the iphone app for Roku to pair once again and see if that works. Thanks for all the help.
by yorkpond
Sat Dec 26, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 894

Roku remote problems

I've had a Roku since it was released. The remote stopped working. I followed all the online instructions from Roku to get it up and running again. The process worked the first time it went out; but, not the next time. No matter what I tried, no luck. Any ideas short of getting a new one. I am curre...
by yorkpond
Sat Nov 28, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Yes, wife will wait until age 67.5 when I am 70 to claim spousal. This results in more than if she took spousal at age 66 for 4 years. In either case she will switch to her own benefit at her age 70. If she took spousal at 66, I can only earn DRCS for 2 and 1/2 years instead of 4 years. And less sur...
by yorkpond
Sat Nov 28, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Hi, One question about the new law. If wife is 62 and will take spousal benefit after age 66 due to husband delaying until his age 70, is this allowed? I read many times that if you are 62 by 12/31/15, you can still do a restricted app for spousal benefits. Do you only have only 2019 when 62 year ol...
by yorkpond
Wed Nov 25, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation??
Replies: 26
Views: 3477

Re: Turn off water heater on vacation??

IMO, leaving a house in winter is as much art as science and the right balance between saving a few bucks and preventing damage depends a lot on your risk tolerance and how much you want to think about the house while you're gone (and how much of a geek you are). Here's what we do when we go away f...
by yorkpond
Wed Nov 25, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation??
Replies: 26
Views: 3477

Re: Turn off water heater on vacation??

We live in Maine. We have the same weather as Boston but perhaps 5 degrees colder during the winter. I'd be more worried about shutting the water at it's source than leaving the temp in the house at 55 or so and burn some oil. The question remains whether the existing water in the forced hot water s...
by yorkpond
Wed Nov 25, 2015 12:41 pm
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation??
Replies: 26
Views: 3477

Re: Turn off water heater on vacation??

Question: Should I simply turn off the flow of water to the tank from the boiler? Or, do I have to empty the tank as well? Any ideas on procedure would be appreciated. Thanks in advance to all. I'd shut the water off to the property at the meter. The thought of a water leak while away for 2 months ...
by yorkpond
Wed Nov 25, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation??
Replies: 26
Views: 3477

Re: Turn off water heater on vacation??

Question: Should I simply turn off the flow of water to the tank from the boiler? Or, do I have to empty the tank as well? Any ideas on procedure would be appreciated. Thanks in advance to all. I'd shut the water off to the property at the meter. The thought of a water leak while away for 2 months ...
by yorkpond
Tue Nov 24, 2015 8:57 pm
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation??
Replies: 26
Views: 3477

Turn off water heater on vacation??

We'll be in a warm climate for 2 months this winter. We have a Superstor Ultra SSU-45 indirect fired water tank off the boiler which is effectively our "third" heating zone; first floor, upstairs and Superstor. We have forced hot water for heat by oil. I need to heat the house to 55 degree...
by yorkpond
Thu Nov 19, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Link to WSJ article on changes, input from Kitces, who is quoted: http://www.wsj.com/articles/social-security-strategies-for-couples-the-new-rulebook-1447929181 Question: in the comments, someone writes that if the SS benefit is invested rather than spent, the delay until break even is pushed out q...
by yorkpond
Mon Nov 09, 2015 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Thanks Mike for clarifying that one who is on SSDI can suspend past the 6 month window and earn DRCs until age 70. Reminder to readers, wife can't file for spousal benefits is she is over 62, until the husband turns 70 and starts receiving his benefits. Is this all correct? Thanks
by yorkpond
Sat Nov 07, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Hi everyone, Wife is 62 I am 64 1/2. With new law, planning on suspending when I am 66 to earn DRC until age 70. Wife plans on filing a restricted app at 67.7 years old to get 1/2 of my benefit, then at 70 filing for her benefit. New law is that I have to getting my benefit before she can restrict ...
by yorkpond
Sat Nov 07, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Can you file restricted app if you are over 62, but don't want to file until I'm 67 when husband takes his benefit? Thanks
by yorkpond
Fri Nov 06, 2015 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Hi everyone, Wife is 62 I am 64 1/2. With new law, planning on suspending when I am 66 to earn DRC until age 70. Wife plans on filing a restricted app at 67.7 years old to get 1/2 of my benefit, then at 70 filing for her benefit. New law is that I have to getting my benefit before she can restrict ...
by yorkpond
Fri Nov 06, 2015 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Hi everyone, Wife is 62 I am 64 1/2. With new law, planning on suspending when I am 66 to earn DRC until age 70. Wife plans on filing a restricted app at 67.7 years old to get 1/2 of my benefit, then at 70 filing for her benefit. New law is that I have to getting my benefit before she can restrict ...
by yorkpond
Thu Nov 05, 2015 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Hi everyone, Wife is 62 I am 64 1/2. With new law, planning on suspending when I am 66 to earn DRC until age 70. Wife plans on filing a restricted app at 67.7 years old to get 1/2 of my benefit, then at 70 filing for her benefit. New law is that I have to getting my benefit before she can restrict a...
by yorkpond
Thu Nov 05, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Sorry, PIA is $2400 for me and $1130 for wife. I am on SSDI until 66 so I believe I can do a file for a restricted app at 66 when I convert to SS. New rule in Dec 2014 that can't do a restricted app for spousal benefits if on disability. But can I do it at age 66? In your Strategy #2, can my wife f...
by yorkpond
Tue Nov 03, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

I thought that when one collects SS Disability, the other spouse cannot file a restricted app. This law went into effect Dec 2014. Please advise. Thanks Yorkpond: My wife is older than I. Under my now moot original plan, by the time I submitted my restricted application at 66, she would have been 6...
by yorkpond
Tue Nov 03, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

I do admit that I'm looking forward to taking some time off to go climbing after finishing the project though. Yes, I agree with the previous posts - the volume (and quality) of your responses has been nothing short of phenomenal. You have done SO much for SO many! I thought we'd lost $60,000, but ...
by yorkpond
Tue Nov 03, 2015 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

I thought that when one collects SS Disability, the other spouse cannot file a restricted app. This law went into effect Dec 2014. Please advise. Thanks Yorkpond: My wife is older than I. Under my now moot original plan, by the time I submitted my restricted application at 66, she would have been 6...
by yorkpond
Tue Nov 03, 2015 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

You are confusing FRA and PIA. FRA is an age. PIA is a dollar amount. But yes, because she is already age 62 she would be able to file for a restricted application for spousal-only once a) she has reached her FRA and b) you have started receiving your retirement benefit. It's unlikely for it to mak...
by yorkpond
Tue Nov 03, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

I am 64.5 with a FRA of $2400. My wife is 62 with a FRA 0f $1130. With the new law she is able to do restricted app at her age 66 for 50% of my FRA. You are confusing FRA and PIA. FRA is an age. PIA is a dollar amount. But yes, because she is already age 62 she would be able to file for a restricte...
by yorkpond
Tue Nov 03, 2015 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

I am 64.5 with a FRA of $2400. My wife is 62 with a FRA 0f $1130. With the new law she is able to do restricted app at her age 66 for 50% of my FRA. You are confusing FRA and PIA. FRA is an age. PIA is a dollar amount. But yes, because she is already age 62 she would be able to file for a restricte...
by yorkpond
Mon Nov 02, 2015 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

I am 64.5 with a FRA of $2400. My wife is 62 with a FRA 0f $1130. With the new law she is able to do restricted app at her age 66 for 50% of my FRA.
Is it better for me to suspend to age 70 and get 32% DRC and my wife take $844 at age 62 or she wait until 66? Thanks for all the great posts!
by yorkpond
Mon Nov 02, 2015 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Mike said: The new breakeven points depend significantly on the age difference between the spouses. Good point. I was assuming the spouses were the same age, for simplicity. ClassicJazzFan said: I'm curious as to how you did the calculations, such that the break-even point jumped up to an age so hi...
by yorkpond
Mon Nov 02, 2015 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 43442

Re: Changes to Social Security

Our strategy had been one which you outline in the quote below. We are both 63 with my wife turning 64 in December 2015, so we still will be able to use the "Restricted Application strategy, as I understand it. But I do have one follow-up question, to the strategy below. When the higher-PIA hi...
by yorkpond
Fri Oct 16, 2015 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Use Cd's in IRA instead of bonds
Replies: 37
Views: 3100

Re: Use Cd's in IRA instead of bonds

I use both the TBM and CD's in the fixed portion of our portfolio. I was fortunate to get in on the 3% PenFed 5 year CD in 2013 and just picked up the Northwest Federal Credit Union 3% for 3 years. Both in IRA accounts. About 60% of "bonds" in CD's at this time. I really do sleep better. B...
by yorkpond
Fri Oct 02, 2015 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Good Bond Fund For Someone in 15% Tax Bracket?
Replies: 13
Views: 1387

Re: Good Bond Fund For Someone in 15% Tax Bracket?

Thanks. A good deal. Better than the PenFed CD we bought back in 2013. A good way to diversify.
by yorkpond
Fri Oct 02, 2015 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Good Bond Fund For Someone in 15% Tax Bracket?
Replies: 13
Views: 1387

Re: Good Bond Fund For Someone in 15% Tax Bracket?

Would love to know how I can become a member of the CU with not being a member of any organizations.
by yorkpond
Thu Jul 09, 2015 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash
Replies: 26
Views: 5204

Re: What to do with cash

since it's going to be a relatively active account (you don't want to lock into a CD), Ally bank currently has a .99 savings rate. http://www.mysavingsdirect.com offers 1.25 % money market account. FDIC. It's part of Emigrant Bank. We just parked some money there by way of electronic funds transfer...
by yorkpond
Thu May 21, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 6336

Re: Medicare supplemental insurance

My son sells insurance online in 25 states. He advised us to buy a nationally known plan suited specifically for our needs, accepted by all doctors in the area without question and is affordable. We bought AARP/United Health Care Plan B. We're very satisfied.
by yorkpond
Thu Apr 30, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Roasting green coffee beans at home
Replies: 10
Views: 1213

Re: Roasting green coffee beans at home

Years ago in Cabo Verde I'd pick up little plastic bags of green coffee beans from the local open market, bring them home and cook in a cast iron skillet on the stove (medium high heat). Stirring and stirring and stirring. Once done I'd take the pan outside and pour into a stainless steel bowl, bac...
by yorkpond
Mon Apr 27, 2015 1:34 pm
Forum: Personal Consumer Issues
Topic: Roasting green coffee beans at home
Replies: 10
Views: 1213

Re: Roasting green coffee beans at home

Thank you all for the references. I'll check them all out. I'm looking forward to getting started.
by yorkpond
Sun Apr 26, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Roasting green coffee beans at home
Replies: 10
Views: 1213

Roasting green coffee beans at home

I've been a coffee fan for years. Always looking for the best way to brew my morning cup of coffee. I settled on a french press. Through trial and error, I like the fullness of a french roast. I was wondering if I can improve the experience with roasting my own beans. Need help in selecting the most...
by yorkpond
Thu Mar 12, 2015 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Bond Index Fund
Replies: 5
Views: 1135

Re: Vanguard Total International Bond Index Fund

Thanks OGD, I tend to agree with you. I am speaking to my guy at Vanguard tomorrow. Let's see what input he has. I'll re-post his response.

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