Search found 71 matches

by shuresm7b1
Mon Aug 12, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Anyone been to a Kevin O'Leary event???
Replies: 22
Views: 3267

Re: Anyone been to a Kevin O'Leary event???

Kevin O'Leary lights up a room when he leaves it.
by shuresm7b1
Wed Feb 20, 2019 7:32 pm
Forum: Personal Investments
Topic: Caculating Returns from Vanguard site ?
Replies: 13
Views: 1288

Re: Caculating Returns from Vanguard site ?

Sorry, I don't know Morning* portfolio manager,
by shuresm7b1
Wed Feb 13, 2019 10:02 am
Forum: Personal Investments
Topic: Caculating Returns from Vanguard site ?
Replies: 13
Views: 1288

Re: Caculating Returns from Vanguard site ?

I spoke to soon. Trying to copy / paste the data into Excel is a mess. The data does not copy in any standard form or export so it's a mess. I did find an extension for Chrome called Table Capture and it captured it beautifully so I'm back in business.
by shuresm7b1
Wed Feb 13, 2019 9:53 am
Forum: Personal Investments
Topic: Caculating Returns from Vanguard site ?
Replies: 13
Views: 1288

Re: Caculating Returns from Vanguard site ?

I think I found what I need in the Balances and Holdings area / Transaction History and then custom date range. My goal is to get each fund and calculate Personal Return over time and it appears to allow history from 1993. Thanks so much for your help guys.
by shuresm7b1
Wed Feb 13, 2019 9:34 am
Forum: Personal Investments
Topic: Caculating Returns from Vanguard site ?
Replies: 13
Views: 1288

Re: Caculating Returns from Vanguard site ?

Hi, Is there a way at Vanguard.com to show the history of the last 10 years of investments for each of my funds ? I have money market, IRA and Roth accounts and each of those have different investments in them and I would be able to calculate what the returns have been for each of them over a 10 ye...
by shuresm7b1
Wed Feb 13, 2019 9:29 am
Forum: Personal Investments
Topic: Caculating Returns from Vanguard site ?
Replies: 13
Views: 1288

Re: Caculating Returns from Vanguard site ?

Click on the ticker symbol on the left side. Click on "cost basis summary" on the left side under "Your holding" From there you can view all gains (losses) realized and unrealized for any holding. You may need to click on "show details" and possibly "View/Change cost basis method" depending on whet...
by shuresm7b1
Mon Feb 11, 2019 4:09 pm
Forum: Personal Investments
Topic: Caculating Returns from Vanguard site ?
Replies: 13
Views: 1288

Caculating Returns from Vanguard site ?

Hi, Is there a way at Vanguard.com to show the history of the last 10 years of investments for each of my funds ? I have money market, IRA and Roth accounts and each of those have different investments in them and I would be able to calculate what the returns have been for each of them over a 10 yea...
by shuresm7b1
Mon Jul 09, 2018 4:05 pm
Forum: Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2981

Re: Income stream at 70

Right so it's now 24% bracket. So do you still do this strategy every year for the five years up to age 70, merrily paying taxes along the way?
by shuresm7b1
Mon Jul 09, 2018 3:53 pm
Forum: Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2981

Re: Income stream at 70

Besides charitable contributions are there any other strategies to reduce RMD taxes? Michael Kitces was not too excited about the QLACs. Not really. Goal should be to focus more on net income and less on the taxes incurred to get there. But for retired people in their 60s, projecting future annual ...
by shuresm7b1
Mon Jul 09, 2018 3:16 pm
Forum: Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2981

Re: Income stream at 70

Besides charitable contributions are there any other strategies to reduce RMD taxes? Michael Kitces was not too excited about the QLACs. Not really. Goal should be to focus more on net income and less on the taxes incurred to get there. But for retired people in their 60s, projecting future annual ...
by shuresm7b1
Mon Jul 09, 2018 2:41 pm
Forum: Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2981

Re: Income stream at 70

Besides charitable contributions are there any other strategies to reduce RMA taxes? Michael Kitces was not too excited about the QLACs.
by shuresm7b1
Mon Jul 09, 2018 7:43 am
Forum: Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2981

Re: Income stream at 70

I guess that I read the question differently; the OP stated that they wanted an income stream (I didn’t see anything about charitable contributions) from immediateannuities: $250k SPIA: $1610/ month for single life (M 70) {payout of 6.44%} $1267/ month for joint life (M 70/ F 68) {payout of 5.07%} ...
by shuresm7b1
Mon Jul 09, 2018 6:04 am
Forum: Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2981

Re: Income stream at 70

Would something like the Vanguard Life Strategy Income Fund be a good choice? I guess with low interest rates bonds and annuities don't pay well.

https://investor.vanguard.com/mutual-fu ... ance/vasix
by shuresm7b1
Sun Jul 08, 2018 8:46 pm
Forum: Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2981

Re: Income stream at 70

I don't know enough to know what to ask. I just assumed there were strategies for reducing or deferring RMDs
by shuresm7b1
Sun Jul 08, 2018 8:21 pm
Forum: Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2981

Re: Income stream at 70

And is there a better way to address RMDs?
by shuresm7b1
Sun Jul 08, 2018 8:09 pm
Forum: Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2981

Income stream at 70

I've got some neighbors in their 60s with a traditional IRA that they would like to use to turn on an income stream at age 70 of course taking into account rmds. I read good things about QLACs and bad things about QLACs (Michael Kitces article). With interest rates so low is annuitization the best w...
by shuresm7b1
Tue Jun 26, 2018 8:00 am
Forum: Personal Investments
Topic: How to find a good fudiciary fee only CFP?
Replies: 16
Views: 1117

Re: How to find a good fudiciary fee only CFP?

It's for my neighbor who went to a free retirement planning dinner and now think a fixed indexed annuity is the hot deal! They might be fine with Skype. I'm trying to show them the terrible features of this annuity. There's lotsa threads that talk about trying to advise friends/family/neighbors abo...
by shuresm7b1
Mon Jun 25, 2018 5:40 pm
Forum: Personal Investments
Topic: How to find a good fudiciary fee only CFP?
Replies: 16
Views: 1117

Re: How to find a good fudiciary fee only CFP?

I'm in Charleston, SC btw do you need face-to-face, or would online/email/mail/skype do the trick? It's for my neighbor who went to a free retirement planning dinner and now think a fixed indexed annuity is the hot deal! They might be fine with Skype. I'm trying to show them the terrible features o...
by shuresm7b1
Mon Jun 25, 2018 5:25 pm
Forum: Personal Investments
Topic: How to find a good fudiciary fee only CFP?
Replies: 16
Views: 1117

Re: How to find a good fudiciary fee only CFP?

I'm in Charleston, SC btw
by shuresm7b1
Mon Jun 25, 2018 5:12 pm
Forum: Personal Investments
Topic: How to find a good fudiciary fee only CFP?
Replies: 16
Views: 1117

Re: How to find a good fudiciary fee only CFP?

Sorry, i updated my op. I do mean fee only.
by shuresm7b1
Mon Jun 25, 2018 4:59 pm
Forum: Personal Investments
Topic: How to find a good fudiciary fee only CFP?
Replies: 16
Views: 1117

How to find a good fudiciary fee only CFP?

What's the best way to find a CFP that will truly have my best interests in mind please? Can't some CFPs sell products and still say they are fee only? I want to avoid any possible conflict of interest. THANKS!
by shuresm7b1
Sun Mar 04, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Blinds- where did you get yours?
Replies: 15
Views: 2721

Re: Blinds- where did you get yours?

Thank me later. killer deals https://www.zebrablinds.com/
I did my whole house in them

search for coupons/discounts too
by shuresm7b1
Mon Feb 26, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Sweet Spot For SEER Rating
Replies: 29
Views: 4537

Re: Sweet Spot For SEER Rating

I got a 4 ton 18 seer for $12,800 and my 2600 sq ft house has bills of $120 a month now compared to $250 with my 12 seer. It all depends on how long you will live there.
by shuresm7b1
Wed Sep 13, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

It sounds like the neighbors are showing their age. Decades ago when they learned to invest there weren't any low cost index funds, and buying and selling had transaction fees that seem absurd now. So you picked "good" companies that all your friends were also picking, and you held on. And mostly i...
by shuresm7b1
Wed Sep 13, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

... I mentioned all of these crashes from 1929 on up but they insisted after those crashes the market keeps going up. It always goes up. I really didn't know how to respond to this because I mean the Dow is at its all-time high so I guess overtime it does. What am I missing here? To eliminate risk ...
by shuresm7b1
Wed Sep 13, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

I was visiting with neighbors last night having a glass of wine and some nice conversation at which point the topic of investing in money came up. It might have even been me that brought it up I don't remember, but it became a very pleasant conversation with my neighbors and they had me questioning...
by shuresm7b1
Wed Sep 13, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

You're right I actually have no idea how they are really doing but they have a nice house and lots of bravado. You never know who your neighbors really are until you know. This is very important. You said it yourself, you just don't know. Many, many folks just like them (or appears to be like them)...
by shuresm7b1
Wed Sep 13, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

Back in the late 90s there were many articles espousing that people should buy what they know. Like coffee from that new chain? Buy Starbucks. Like your computer? Buy Apple or Microsoft. Like Old Navy clothes? Buy Gap stores. Like that big box store? Buy Best Buy. I think your neighbors joined that...
by shuresm7b1
Wed Sep 13, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

I don't see where the "herd mentality" comment comes from. They seem to have made a plan and stuck too it. It doesn't sound like the time their stock buying and selling. They seem to buy and hold, just don't index. Fairly Boglehead'ish in some ways. Almost sounds like they somewhat hold a blue ship...
by shuresm7b1
Wed Sep 13, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

I don't see where the "herd mentality" comment comes from. Herd mentality should refer to doing something because it is constantly heard about and practiced without criticism or understanding within a certain affinity group, a herd. I agree what was described is not obviously herd mentality. There ...
by shuresm7b1
Wed Sep 13, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

I'm mostly interested in why they would have the herd mentality investing and feel it's such a good successful way to go. They do seem to have many years of experience doing it and with success. You know back to addressing the Dow keeps going up and up and up so it works. It might be that trying to...
by shuresm7b1
Wed Sep 13, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

Actually no. The fact that the market always goes up means any idiot can be successful as long as they just keep buying and don't make the stupid mistake of selling out in a panic at market bottoms. I don't think that is really true for people buying individual stocks. Someone who bought Lucent in ...
by shuresm7b1
Wed Sep 13, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

People who can accurately calculate their investing returns over a long period of time are about as numerous as those who can with any degree of accuracy calculate how many calories they are eating on a daily basis over many years. Which is to say, not many. That sir is on my to do list. Some crazy...
by shuresm7b1
Wed Sep 13, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

Personally I wouldn't try to change their mind about anything they are doing financially - at their age - you likely won't change their minds. There are plenty of other topics to talk about (the weather, football, the equifax breech, etc.). What made it enjoyable is it was a very casual conversatio...
by shuresm7b1
Wed Sep 13, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

Actually no. The fact that the market always goes up means any idiot can be successful as long as they just keep buying and don't make the stupid mistake of selling out in a panic at market bottoms. What we have today and have had for a long time is the good luck of being a participant in the Ameri...
by shuresm7b1
Wed Sep 13, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

I was visiting with neighbors last night having a glass of wine and some nice conversation at which point the topic of investing in money came up. It might have even been me that brought it up I don't remember, but it became a very pleasant conversation with my neighbors and they had me questioning...
by shuresm7b1
Wed Sep 13, 2017 10:14 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Re: Herd mentality

Buying individual stocks that have done well recently isn't a great long-term strategy. Bigger question might be their total asset/income picture. If that 80's couple has decent income from SS+ pensions, then investing becomes a playtime activity to a degree... I'm guessing you're right and they ha...
by shuresm7b1
Wed Sep 13, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2677

Herd mentality

I was visiting with neighbors last night having a glass of wine and some nice conversation at which point the topic of investing in money came up. It might have even been me that brought it up I don't remember, but it became a very pleasant conversation with my neighbors and they had me questioning ...
by shuresm7b1
Wed Aug 23, 2017 6:10 pm
Forum: Personal Investments
Topic: Bond substitutes ?
Replies: 16
Views: 2601

Re: Bond substitutes ?

Does anyone else feel that the total bond market index fund being 2/3 government debt will shackle future bond returns ? If so do you have an alternative? John Boggle has eluded it this. We know that the market is distorted thanks to the Fed's quantitative easing. There are no easy theoretical answ...
by shuresm7b1
Wed Aug 23, 2017 3:16 pm
Forum: Personal Investments
Topic: Bond substitutes ?
Replies: 16
Views: 2601

Re: Bond substitutes ?

Does anyone else feel that the total bond market index fund being 2/3 government debt will shackle future bond returns ? If so do you have an alternative?
by shuresm7b1
Wed Aug 23, 2017 10:49 am
Forum: Personal Investments
Topic: Bond substitutes ?
Replies: 16
Views: 2601

Re: Bond substitutes ?

What you say makes perfect sense but doesn't that make Burton's advice that of chasing yields and not a sound alternative "bond substitute" ?
by shuresm7b1
Wed Aug 23, 2017 10:27 am
Forum: Personal Investments
Topic: Bond substitutes ?
Replies: 16
Views: 2601

Re: Bond substitutes ?

I see. I don't really know anything about preferred stocks so if I bought AT&T preferred stock, how does the actual price of the stock figure into it when I go to sell. It seems they behave like a morph of stocks and bonds. If I bought it at 27 and it pays 5% interest, I'd always get the 5% equivale...
by shuresm7b1
Wed Aug 23, 2017 10:13 am
Forum: Personal Investments
Topic: Bond substitutes ?
Replies: 16
Views: 2601

Bond substitutes ?

I am currently retired and 40% invested in the Vanguard Total Bond Market Index Fund Admiral Shares where it currently holds U.S. Government 63.8% Burton Malkiel suggested that a "bond substitute" and preferred stocks would be a better way to get returns in what he says is a bond market with low for...
by shuresm7b1
Sun Jun 11, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 4899

Re: Lastpass anyone use it?

use the export ability to have a printed output in case they ever stop working.
by shuresm7b1
Sun May 21, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: Index fund look through expenses
Replies: 3
Views: 583

Index fund look through expenses

I was watching David Winter on Consulate Mack and he said that many index funds have up to 4.1% in hidden fees called look through expenses. Can anyone this please.

http://www.wintergreenfund.com/news/2016/0710-nytimes/
by shuresm7b1
Thu Dec 22, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 13543

Re: Reliable washer/dryer brands

The only real reliable washer these days is a "rock down by the river'" ; and a "rope between two trees" for a dryer ! Unfortunately, laundry appliances seem to be oriented around a 5-7 year obsolescence cycle purposely by the manufacturers. The days of Grandma getting 25 years out of her washing m...
by shuresm7b1
Thu Dec 22, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 13543

Re: Reliable washer/dryer brands

Speedqueen is great stuff. highly recommend here too.
by shuresm7b1
Tue Nov 08, 2016 10:58 am
Forum: Personal Investments
Topic: Income funds
Replies: 26
Views: 3337

Re: Income funds

Great info. Thanks again. You guys are a huge help.
by shuresm7b1
Tue Nov 08, 2016 8:08 am
Forum: Personal Investments
Topic: Income funds
Replies: 26
Views: 3337

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 is that you...