Search found 54 matches

by MrDogg
Fri Oct 20, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Strategy
Replies: 20
Views: 1414

Re: Emergency Fund Investment Strategy

I have my emergency fund (EF) in Vanguard Short-Term Corporate Bond Index Fund Admiral Shares (VSCSX). It's not guaranteed or insured but it is low risk and liquid. The YTD yield is 2.65%. Even if it's in a down cycle when I need to withdraw, the yield should be better than short term CDs, I-bonds, ...
by MrDogg
Wed Oct 18, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1217

Re: Is it worth applying for Credit Limit Increase?

A credit card credit line increase helps your FICO score. This is because it improves your available credit to loan balances ratio. Most credit card companies will grant you an increase with just a phone call, other times they make you jump through a couple hoops such as updating your personal infor...
by MrDogg
Wed Oct 18, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Surrender annuities and take penatly better than sitting it out?
Replies: 17
Views: 1800

Re: Surrender annuities and take penatly better than sitting it out?

Seems like most annuities are designed to be sold and not bought. Horror stories abound once buyers realize how locked in they are. Even though SPIAs have the lowest fees and are the least complicated they too have surrender charges and penalties should you want out. An alternative to an annuity is ...
by MrDogg
Mon Oct 16, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5606

Re: Is Florida Over, 2017

Bogleheads: I live in Miami on the shore of Biscayne Bay. I grew up as a little boy next door. I see little difference in the water level. What has risen is property value and taxes. Best wishes. Taylor Point well taken. Watch the 1960 movie "Where The Boys Are" and you will see the ocean distance ...
by MrDogg
Mon Oct 16, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5606

Re: Is Florida Over, 2017

would you move to Florida or invest in Florida real estate? The answer is an emphatic yes to both parts of the question from an awful lot of people who are moving here by the droves. The developers don't anticipate any let up as new housing construction continues at a fast pace. Thousands of new un...
by MrDogg
Mon Oct 16, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5606

Re: Is Florida Over, 2017

Ahh, if it were only true. Anything that discourages people from moving to our vanishing paradise could be considered by many of us old time residents as a good thing. Currently people are moving into Florida at the rate of 1000 per day and this is not going to change. In fact I think it will increa...
by MrDogg
Sat Oct 07, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17944

Re:

Several people I know who are 10-15 years older than me have moved into a continuing care community in our city. One option my wife and I are considering is a Continuing Care Retirement Community (CCRC). These campus complexes with onsite restaurants, beauty salons, gyms, and game rooms have three ...
by MrDogg
Tue Aug 01, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 6043

Re: Vanguard Money Market vs. Savings Accounts

My "pseudo savings account" where I park most of my cash is Vanguard's short term corporate bond fund VSCSX with a YTD yield of 2.3%. I also have small low yield savings accounts online at 1.1% and at my local credit union at .5% that I can draw on in the event the bond fund is down at the time I ne...
by MrDogg
Mon Jul 31, 2017 11:38 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 243
Views: 40123

Re: South Florida Local Chapter

I too would like to thank the organizers and presenters of this worthwhile event. The generous giving of their time, expertise, and financial aid is really impressive. Beyond Taylor, Miriam, Arthur, and Larry A., the audience participation was of a high caliber and very informative. The location, at...
by MrDogg
Sun Jul 30, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: International Indices
Replies: 14
Views: 1632

Re: International Indices

As the OP I'd like to thank all who have participated in this discussion. I have gained new insights into how to look at the issue. As I sated earlier I'm at 20% international (VTIAX) currently and struggling with the wisdom of increasing the allocation, and by how much, in my particular situation.
by MrDogg
Sat Jul 29, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: International Indices
Replies: 14
Views: 1632

Re: International Indices

Looks like VTWSX is using market weight somewhere around 44%. Could be the right number, we'll know in a few years. It's not actually "using" market weight. It's capitalization-weighted, and that results in a current market weight of about 47% non-US. If you believe in cap-weighting, then it's alwa...
by MrDogg
Thu Jul 27, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: International Indices
Replies: 14
Views: 1632

Re: International Indices

Avo wrote:Since I can't invest in an index, and since indices don't usually take dividends into account, I find it more useful to follow appropriate funds via M* charts (which include reinvested dividends), VTIAX for ex-US and VTSAX for US.
Good point.
by MrDogg
Thu Jul 27, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: International Indices
Replies: 14
Views: 1632

Re: International Indices

The U.S. vs International is a hot debate here. The purest 100% boglehead equity fund is Vanguard Total World Index. You can use this fund and never look back. Home country bias is no different than speculation, stock picking and sector betting. Thanks for weighing in but this does not address my q...
by MrDogg
Thu Jul 27, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: International Indices
Replies: 14
Views: 1632

Re: International Indices

Bdensabu and Simplegifi, thank you for the information, I really appreciate it. I will start with your suggestions.
by MrDogg
Wed Jul 26, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: International Indices
Replies: 14
Views: 1632

International Indices

What international indices most closely compare to the DJIA, S&P 500, and NASDAQ? I would like to become familiar with and track the most relevant international indices so I can see how the ex-US market is doing in the same way I can the US market. Like many on here I have become wrapped up in tryin...
by MrDogg
Mon Jul 24, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Prime MM vs Credit Union acct at .06%
Replies: 5
Views: 411

Re: Prime MM vs Credit Union acct at .06%

For what it's worth, and I am certainly no expert on this stuff, here is my Liquid Cash Fund solution: My "pseudo savings account" is Vanguard's short term corporate bond fund VSCSX with a YTD yield of 2.3%. I also have a small low yield savings account at my local credit union that I can draw on in...
by MrDogg
Sun Jul 23, 2017 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 9105

Re: Can anyone convince me I need international stock in my portfolio?

As the OP I have to say Good Discussion ! Here's something I think about. Virtually all of the target date and target risk fund managers have a considerable percentage (maybe 25-40%) of equities in exUS stock. Most of the all-in-one allocation funds (including Vanguard LifeStrategy and Fidelity Tar...
by MrDogg
Sat Jul 22, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Best Short Term, Liquid Investments
Replies: 28
Views: 4207

Re: Best Short Term, Liquid Investments

Thanks to this thread I have decided to exchange all of my VFSUX for VSCSX. This is my pseudo savings account. For simplicity I didn't want to open an account at another institution in order to get a without penalty CD or high yield savings. I also have a savings account at my local credit union tha...
by MrDogg
Fri Jul 21, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Best Short Term, Liquid Investments
Replies: 28
Views: 4207

Re: Best Short Term, Liquid Investments

I use Vanguard's Short Term Investment Grade Bond Fund VFSUX as a savings account. YTD yield is 1.88%. Some risk but I'm willing to bet it won't drop lower than the current bank savings account rate. If it does drop it should cycle back up in a relatively short time.
by MrDogg
Mon Jun 19, 2017 4:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 243
Views: 40123

Re: South Florida Local Chapter

NEW DATE - Sunday July 30, 2017 - 12 noon - 2:00 pm - (not July 9)

This is my RSVP for one person.

This will be my second year to attend. I got a lot out of last years meeting and am looking forward to this year. In my case this years location is ideal.
by MrDogg
Sat Jun 17, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 2261

Re: Medicaid Planning

Thanks to everyone who has responded to date. Lots of information to consider. I plan on meeting with an elder law attorney for a "free" consultation and feel better informed to discuss the issue as a result of this thread. I'll post a summary after the meeting. Thanks again
by MrDogg
Fri Jun 16, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 2261

Re: Medicaid Planning

bubbadog, Thanks for the feedback. You hit on a key point, because you are giving up control of the assets forever the trust grantor must have ultimate faith in the trustee as there is lots of opportunity for shenanigans. My understanding is that in Florida the trustee cannot be anyone related by bl...
by MrDogg
Fri Jun 16, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 2261

Medicaid Planning

This post has to do with using Medicaid to fund nursing care in old age, a growing middle class problem. Several local elder law attorneys are advertising that they have a legal way of shielding assets from the Medicaid means test for eligibility. They imply that a "Medicaid Trust" can be set up 5 y...
by MrDogg
Mon Apr 24, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 3237

Re: Are CCRCs a good deal?

Here are several other Boglehead threads on CCRCs that might be useful: viewtopic.php?f=2&t=166425 - Do Bogleheads plan to utilize Independent Living Facilities? viewtopic.php?f=11&t=178260 - Assisted & Independent Living viewtopic.php?f=11&t=213739 - CCRC (Continuing Care Retiremen...
by MrDogg
Mon Apr 24, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 3237

Re: Are CCRCs a good deal?

Thanks to everyone who responded in such a timely manner. I appreciate the many comments and insights which I am factoring into my decision.

A special thanks to Miriam2 for providing the links to even more related information.
by MrDogg
Sun Apr 23, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 3237

Are CCRCs a good deal? [Continuing Care Retirement Community]

My wife has been bugging me to sell our single family home and move into a Continuing Care Retirement Community (CCRC). We are both 73, retired, currently in good health, and contemplating where to go once we downsize from our current oversize abode. These developments are part independent living, p...
by MrDogg
Fri Jan 27, 2017 7:58 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 10753

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

HAPPY BIRTHDAY!! I have learned so much from your book and posts. And, thanks again for signing my book at the recent Boglehead meeting in Miami.
by MrDogg
Fri Jan 13, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Interest Rate Calculation
Replies: 22
Views: 1439

Re: Interest Rate Calculation

To: dm200 The first loan payment will be received exactly one month from the day funds were disbursed and will arrive via automatic bank to bank transfer. Each subsequent payment will arrive on that same day each month. Since this transaction is between trusted friends neither one of us is concerned...
by MrDogg
Wed Jan 11, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Interest Rate Calculation
Replies: 22
Views: 1439

Re: Interest Rate Calculation

[/quote] If you use XIRR on the two cashflows, -50,000 and +60,604 on dates 1/1/2000 and 1/1/2005 (or any two dates five years apart), you get the exact same answer as by using the PV function: 3.92%. Basically this answers the question, "If I invest 50K and five years later have 60,604, what i...
by MrDogg
Wed Jan 11, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Ft. Lauderdale
Replies: 8
Views: 1113

Re: Ft. Lauderdale

I live in Ft. Lauderdale. One thing I recommend to all my out of town visitors is to take a "ride" on the Jungle Queen. I have taken the cruise many times and never get tired if it. This riverboat cruises the New River which winds through the center of downtown and passes the most exclusiv...
by MrDogg
Wed Jan 11, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Interest Rate Calculation
Replies: 22
Views: 1439

Re: Interest Rate Calculation

Thanks to all who responded. For my purposes the average of the two rates is close enough as it approximates all the other methods presented. Thanks again everyone.
by MrDogg
Wed Jan 11, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Interest Rate Calculation
Replies: 22
Views: 1439

Re: Interest Rate Calculation

Results in 3.839% Why no compounding interest on the savings side? Except for loans with negative amortization, loans always are simple interest. On the flip side, I don't know of any savings account that does not compound interest. It seems like very odd parameters. To clarify: You are correct, it...
by MrDogg
Tue Jan 10, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Interest Rate Calculation
Replies: 22
Views: 1439

Interest Rate Calculation

Can someone help me calculate my net interest rate for the following circumstance? I am loaning $50K for 60 months at a simple interest rate of 5.25%, the monthly payment to me will be $949.30 (loan is highly secured). I am going to deposit each monthly payment as it is received into an account that...
by MrDogg
Tue Jan 03, 2017 3:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 243
Views: 40123

Re: South Florida Local Chapter

This is my RSVP for the meeting in Miami on Sun. Jan. 22, 2017.
by MrDogg
Sun Dec 18, 2016 3:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 243
Views: 40123

Re: South Florida Local Chapter

I would like to attend the upcoming SFL Bogleheads meeting January 22, 2017. Is this post an adequate RSVP or is there a sign-up process? As a fairly new member I have not attended any previous meetings. I live in Ft. Lauderdale.
by MrDogg
Fri Aug 19, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: The Three-Fund Portfolio [Minimizing tax impacts]
Replies: 8
Views: 1729

Re: The Three-Fund Portfolio [Minimizing tax impacts]

Thanks to all who commented. I have a clearer understanding of the issue and as a result have confidence in the way I have my accounts and allocations set up. What a great forum!
by MrDogg
Fri Aug 19, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: The Three-Fund Portfolio [Minimizing tax impacts]
Replies: 8
Views: 1729

Re: The Three-Fund Portfolio [Minimizing tax impacts]

We are splitting hairs. One strategy is "equal location" which places the same funds (for the most part) in all accounts. Another strategy is "asset location" which is the placement of a fund in only one account or so. There are advantages and disadvantages to both approaches. N...
by MrDogg
Fri Aug 19, 2016 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Little-used second home: sell at a loss or rent?
Replies: 26
Views: 2638

Re: Little-used second home: sell at a loss or rent?

Totally different places. Greensboro is in the "low" country and LLH is in the "high" country. Always at least a 10 degree difference in temperature plus the mountain scenery.
by MrDogg
Thu Aug 18, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: The Three-Fund Portfolio [Minimizing tax impacts]
Replies: 8
Views: 1729

The Three-Fund Portfolio [Minimizing tax impacts]

[Moved into a stand-alone thread from: The Three-Fund Portfolio --admin LadyGeek] I may be over thinking this but I have a question at the end of this post. Any advise and comments will be appreciated. I am totally sold on the 3FP and have the following - Traditional IRA: US Total Stock Index Admir...
by MrDogg
Thu Aug 18, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Little-used second home: sell at a loss or rent?
Replies: 26
Views: 2638

Re: Little-used second home: sell at a loss or rent?

Maybe I'd have an interest if its in the area I have been looking for a vacation home. Hello bru, Do you have any interest in the North Carolina Blue Ridge Mountains? I find myself in this exact situation and have decided to sell. The property is currently listed with a Realtor for $109K. It's a 2 ...
by MrDogg
Wed Aug 17, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Little-used second home: sell at a loss or rent?
Replies: 26
Views: 2638

Re: Little-used second home: sell at a loss or rent?

I find myself in this exact situation and have decided to sell. The property is currently listed with a Realtor for $109K. It's a 2 bedroom 2 bath vacation home in Linville Land Harbor (LLH), in the mountains of North Carolina with a golf course view and many nearby amenities. LLH is near Banner Elk...
by MrDogg
Tue Aug 16, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: Bogleheads: Asset-Allocation and Rebalancing
Replies: 74
Views: 7685

Re: Bogleheads: Asset-Allocation and Rebalancing

My Equity allocation has been creeping outside the top end of my preset band. I had planned on waiting until January 2017 to rebalance because my IPS says to periodically monitor and rebalance once a year which I've set as the end of each January. Based on Taylor's advise I have re-thought this and ...
by MrDogg
Tue Aug 16, 2016 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Putting Your Emergency Fund In I Bonds?
Replies: 28
Views: 5393

Re: Putting Your Emergency Fund In I Bonds?

I want to buy some electronic I bonds. How do I go about this? Is there a website? Thanks in advance for some help.

Never mind, I found it. Here's the link for others of you: https://www.treasurydirect.gov/indiv/re ... .htm#where
by MrDogg
Thu Aug 11, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Auto Callable Contingent Interest Notes linked to Indexes
Replies: 16
Views: 1435

Re: Auto Callable Contingent Interest Notes linked to Indexes

To talzara and larryswedroe:

Thank you so much. Your responses cleared it up for me. I sure didn't know the right questions to ask and I am very impressed with your understandings and explanations. Thanks again!
by MrDogg
Thu Aug 11, 2016 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Auto Callable Contingent Interest Notes linked to Indexes
Replies: 16
Views: 1435

Re: Auto Callable Contingent Interest Notes linked to Indexes

Just run, don't touch this thing. Nice in concept, but many reasons to avoid. I used to work in this area. Besides that, I'm a longtime reader who has decided to start posting (and asking questions!). I have already decided not to invest in this but from a learning standpoint I am curious as to wha...
by MrDogg
Wed Aug 10, 2016 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Auto Callable Contingent Interest Notes linked to Indexes
Replies: 16
Views: 1435

Re: Auto Callable Contingent Interest Notes linked to Indexes

Thanks guys, that's great advise. It sounded a little too good to be true when the FA implied that the 6.5% was almost guaranteed. I can handle some risk and understand volatility but really don't want to "gamble". Based on this feedback I'm going to invest it in my 3-Fund Portfolio mainta...
by MrDogg
Wed Aug 10, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Auto Callable Contingent Interest Notes linked to Indexes
Replies: 16
Views: 1435

Auto Callable Contingent Interest Notes linked to Indexes

Does anyone have knowledge or experience with Auto Callable Contingent Interest Notes? My Credit Union Financial Advisor is trying to steer me into a 15 Month Auto Callable Contingent Interest Note linked to the S&P 500 and Russell 2000 Indexes offered by J.P. Morgan. If neither index drops belo...
by MrDogg
Mon Jul 18, 2016 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Loan Interest Rate
Replies: 10
Views: 1196

Re: Personal Loan Interest Rate

Excellent points. The AFR and it's attendant imputed rate will not be an issue as our transaction will be have a rate above the IRS threshold. He will report the interest paid as a business expense and I will report it as income. I'm strongly leaning toward 4% or 4.5%. I'm comfortable with being on ...
by MrDogg
Sun Jul 17, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Personal Loan Interest Rate
Replies: 10
Views: 1196

Re: Personal Loan Interest Rate

Thanks for all the interesting feedback. To clarify, this is a personal unsecured loan to be used for business purposes. The goal for me is to have a mutually beneficial financial arrangement while helping out my son. He will get the loan below market rates without having to fill out any paperwork, ...