Search found 1115 matches

by CULater
Sat Jul 14, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: At last: the answer to longevity planning for retirement spending
Replies: 11
Views: 775

At last: the answer to longevity planning for retirement spending

It could be just the thing for those who need a nudge to start ticking items off their bucket list; scientists have developed a blood test that reveals how long a person has left to live. The test draws on nine biomarkers found in the blood that can be used to calculate the biological age of a pers...
by CULater
Fri Jul 13, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 71
Views: 8599

Re: Six stocks make up 98% of S&P 500 gains in 2018

So, this thread is misleading because it implies that you would have missed out on market gains except for these six maga-stocks. But these weren't the only stocks that have done well in 2018; they're just the ones that accounted for most of the wealth created in the stock market. The SPEE has gone ...
by CULater
Wed Jul 11, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 62
Views: 7094

Re: The value of international stocks, in pictures

Now, if Nisi can just take the currencies out of the returns. Is this much ado about the ebb and flow of currency differences? I expect mostly so.
by CULater
Wed Jul 11, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 71
Views: 8599

Re: Six stocks make up 98% of S&P 500 gains in 2018

So, do a handful of stocks also account for most of the market losses? They're in the haystack too.
by CULater
Mon Jul 09, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Run your retirement like an insurance company: liability matching
Replies: 13
Views: 1726

Re: Run your retirement like an insurance company: liability matching

The difference is that the insurance company knows their liabilities pretty accurate. You take 10k 65 year olds and the average age of death will be in about 20 years+-a year or two depending on population biases. Me on the other hand don't know if I am going to live 1 year or 35. Pretty hard to ma...
by CULater
Sun Jul 08, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Run your retirement like an insurance company: liability matching
Replies: 13
Views: 1726

Run your retirement like an insurance company: liability matching

Liability-matching retirement planners take note. We may not be as misguided as some people seem to think: Ordinarily, insurance companies would not be the most interesting topic, but there is one thing about them that is worth your attention: They are disproportionately represented among the world’...
by CULater
Sat Jul 07, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 83
Views: 4926

Re: Morningstar: What to Consider When Picking Multifactor ETFs

From Vanguard site What are "factor based" funds? Factor-based funds are a form of active management. They offer the potential to achieve specific risk and return objectives by purposely and explicitly "tilting" portfolios toward certain stock characteristics, like recent momentum, higher quality, ...
by CULater
Thu Jul 05, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 83
Views: 4926

Re: Morningstar: What to Consider When Picking Multifactor ETFs

All the factors have to be in the total market, from whence they are distilled. It's just that the amount of the total market variance that many of them account for is pretty small. So, you can cull out stocks that load on a particular factor and get more juice from that factor. Or you can do that f...
by CULater
Thu Jul 05, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 86
Views: 5076

Re: How to tip

Bet few even know what TIP means: it stands for "To Insure Promptness" and originally was given after the order, not after the meal.
by CULater
Thu Jul 05, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 83
Views: 4926

Re: Morningstar: What to Consider When Picking Multifactor ETFs

When you think about the multifactor idea, it sort of stretches credibility a bit doesn't it? The idea is that the returns from different pieces of the market (factors) are uncorrelated or negatively correlated, so you can "diversify" your equity holdings by owning each of these little pieces; ie. w...
by CULater
Thu Jul 05, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 83
Views: 4926

Re: Morningstar: What to Consider When Picking Multifactor ETFs

I heard there's a new fund about to be listed. They take every known factor and mix 'em all up together. They're going to call it the Total Market Fund.
by CULater
Thu Jul 05, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Avoid Private Real Estate Assets
Replies: 9
Views: 1649

Re: Larry Swedroe: Avoid Private Real Estate Assets

I wonder if that include TIAA Real Estate. Sort of private real estate investment, isn't it?
by CULater
Thu Jul 05, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 17896

Re: Morningstar: prepare for a lost decade for U.S. stocks

Here's Cliff Asness on valuation:

“Valuation of markets is a disastrous short-term market timing tool and a super weak strategy over all but the longest horizons.”

Not sure what the "longest horizons" are, and if 10 years qualifies, but perhaps eventually valuations matter.
by CULater
Thu Jul 05, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 17896

Re: Morningstar: prepare for a lost decade for U.S. stocks

Did they make a similar forecast ten years ago, and, if so, what did it say? I'm semi-serious about that. You should see if you can find an email address for Dan Kemp and ask. Haven't had any luck finding an email address, but I think this is him on Twitter: https://twitter.com/dan_the_analyst?lang...
by CULater
Thu Jul 05, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 17896

Morningstar: prepare for a lost decade for U.S. stocks

“Our expectation at the moment is that you won’t have any real return from U.S. equities over the next 10 years,” said Morningstar’s Dan Kemp at a company event Wednesday in London. In the chart he shared below, the black line is pretty close to zero for American stocks. https://ei.marketwatch.com/...
by CULater
Thu Jul 05, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Custodian to custodian Roth IRA rollover question
Replies: 3
Views: 239

Custodian to custodian Roth IRA rollover question

I'd like to do a non-direct rollover of funds from one Roth IRA to my Roth IRA at Vanguard. The IRS rule is that you can take a distribution from the source Roth IRA and then deposit it into the destination Roth IRA within 60 days. Can you just make a big deposit into the Vanguard Roth IRA out of th...
by CULater
Thu Jul 05, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: How come voice command on Garmin GPS is so lousy compared to Google Maps?
Replies: 22
Views: 1566

Re: How come voice command on Garmin GPS is so lousy compared to Google Maps?

I like the in-dash Garmin. I also can use Maps with Android Auto, but you have to first connect your smartphone, bring up Android Auto, then Maps. The Garmin comes on instantly, and I like the display better than Maps and it also shows speed limits which Maps does not. For routine nav, it's OK. But ...
by CULater
Wed Jul 04, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 42
Views: 2890

Re: Tire experts? Can I trust a patched tire?

Each tire puncture is different. But I had one that was sort of up on the lower part of the sidewall. My car dealer service shop said it was unrepairable and wanted to put two new tires on. Took it Sam's Club where the tires had been purchased and they repaired it, said it was fine. Drove that tire ...
by CULater
Wed Jul 04, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 17
Views: 1699

Re: Hearing aids

My first set of hearing aids were purchased from the audiologist working in my EENT's office back in 2010. Cost was about $6,600, plus a few hundred for a device that loops around my neck for connecting to my iPhone. Now, 8 years later, I need to replace because one of them quit working and is non-...
by CULater
Wed Jul 04, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: How come voice command on Garmin GPS is so lousy compared to Google Maps?
Replies: 22
Views: 1566

How come voice command on Garmin GPS is so lousy compared to Google Maps?

I have an in-dash Garmin Navi in my vehicle and have used dash mounted Garmins as well. I continue to be astounded at how inept the voice command is compared to Google Maps on my smartphone and it doesn't seem to be improving. Whenever I attempt to navigate by speaking the name of the destination, t...
by CULater
Tue Jul 03, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Continuing Care Community versus 55 + (no LTC and modest assets)
Replies: 61
Views: 3844

Re: Continuing Care Community versus 55 + (no LTC and modest assets)

CCRCs that I'm familiar with are generally expensive, and the entry level (independent living) often like a country club. I believe it's important to spend some time touring and finding out about the next two levels of care that are offered: assisted living, and long term care. Often these levels ar...
by CULater
Mon Jul 02, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4603

Re: Retiring in Michigan (Ann Arbor)

There are plenty of other midwest university towns that I'll bet could fill the bill rather nicely and have many of the advantages of AA. Offhand, I can think of Bloomington, IN. Very scenic area, not as cold as AA, close to Indianapolis. And there are many others.
by CULater
Mon Jul 02, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 1750

Re: Treasury Direct website down all day (7/1)

Just got me thinking about where my money is and how to get to it when I need it. I asked myself, what if they just decided to shut it down for some reason -- What the heck could you do? Anyway, I'm gonna pull my I-Bonds out. I was thinking of doing that anyway out of a desire to simplify things for...
by CULater
Mon Jul 02, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 1750

Re: Treasury Direct website down all day (7/1)

Was forced to take a large withdrawal from my Roth because TD is down. Has been down all day yesterday and now it is 10 am CDT and still down. I've never encountered anything like this.
by CULater
Mon Jul 02, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 1750

Re: Treasury Direct website down all day (7/1)

I had planned to get everything out of TD soon anyway, because I'm concerned my heirs would never be able to handle the website to manage my bonds. I've been dealing with this thing for years and have more or less been able to wade through it, but wouldn't want to put my heirs in that position. This...
by CULater
Mon Jul 02, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 1750

Re: Treasury Direct website down all day (7/1)

Still down this morning (7/2) due to "scheduled maintenance." They had all day yesterday for that. Now we're past the weekend. Makes me wonder if the government doesn't want you to get your money. As soon as possible, I'm getting everything out of TD. This level of incompetence is a deal-breaker for...
by CULater
Sun Jul 01, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 1750

Re: Treasury Direct website down all day (7/1)

It's just that obtaining these funds is time-critical for me. So now instead of Tuesday (it takes 2 business days to receive a redemption) it will be Thursday assuming that the dumb website is working by tomorrow. Now I have to pull funds from somewhere else because of this incompetence.
by CULater
Sun Jul 01, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 1750

Re: Treasury Direct website down all day (7/1)

mpsz wrote:
Sun Jul 01, 2018 7:26 pm
Same here. The site works fine except for redeeming a bond -- I've tried 3 times since this morning, most recently about an hour ago, and I get an error message after a timeout on the final redemption step.
Exactly. I just tried again at 7:30 pm CDT and same result. Stupid lousy website.
by CULater
Sun Jul 01, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 1750

Re: Treasury Direct website down all day (7/1)

Definitely not all day. I was able to access my account at around 10am PT today :moneybag OP, by “entire process” do you mean the login process? Or the sale process? From the thread title I assume you weren’t able to log in at all. Could log in and go through all the steps of cashing I-bonds, click...
by CULater
Sun Jul 01, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 1750

Treasury Direct website down all day (7/1)

Have been trying to cash some I-Bonds all day on Treasury Direct. Site lets me go through the entire process and then at the last step it chokes and says "TD not available". Anybody else experiencing this problem? Would be nice if they let you know before wasting a bunch of time going through the en...
by CULater
Sun Jul 01, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2343

Re: Health Insurance for Retirees, % escalation

So, I just did a calculation from my records of my health insurance costs from 2009-2017 (Medicare part B and D, and Medigap) In 2009 it was $2,679 and in 2017 was $4,034. That's an increase of 51% or CAGR of 5.25%. The cumulative inflation rate over that period was 14.3%. If my health insurance cos...
by CULater
Sat Jun 30, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Deed of Trust on Condo, how can borrower get a release if lender dies?
Replies: 26
Views: 1295

Re: Deed of Trust on Condo, how can borrower get a release if lender dies?

You may be looking at the wrong clause in the deed of trust. The release clause is for her to release it while she is alive, such as if you pay the note off in full to her. You should be looking at the successor and or assigns clause, which should include language similar to the note that it termin...
by CULater
Fri Jun 29, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Deed of Trust on Condo, how can borrower get a release if lender dies?
Replies: 26
Views: 1295

Re: Deed of Trust on Condo, how can borrower get a release if lender dies?

I've searched and searched with google to find the answer to the original question about who has the authority to sign a release to remove the Deed of Trust on a property if the grantor is deceased. No luck. Was hoping someone would know. Probably have to talk to an attorney.
by CULater
Fri Jun 29, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 311
Views: 47348

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Same engine with a recent UOA report posted today https://www.bobistheoilguy.com/forums/ubbthreads.php/topics/4800498/Amsoil_SS_5w30_(new_formula)_1#Post4800498 A couple strange things about this report: - It does not say how many miles are on the vehicle or the oil. When I have had analysis done a...
by CULater
Fri Jun 29, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Deed of Trust on Condo, how can borrower get a release if lender dies?
Replies: 26
Views: 1295

Re: Deed of Trust on Condo, how can borrower get a release if lender dies?

In this case the stream of payments from the condo sale will only last for two years. She has no other resources now, and the value of her condo makes up about two years worth of assisted living costs. Past that point, she will be eligible for Medicaid based on having no remaining assets. Our intent...
by CULater
Fri Jun 29, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Determining "Fair Market Value" for a home
Replies: 14
Views: 1046

Re: Determining "Fair Market Value" for a home

An appraisal from a licensed appraiser would not be a bad idea. +1. This is the best way. The appraiser gives you a FMV based upon his assessment of the property and comparable sales in the area. I'd like to believe a single appraisal will give you fair market value. But I don't. My experience with...
by CULater
Fri Jun 29, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 311
Views: 47348

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Diluted lube oil is not likely doing harm to the engine therefore no higher thna typical metals or conaminants. ... So the catch 22 is that the engine is a problem but if 'maintained' properly per the handbook it will likely never manifest itself with a failure. - if the owner is on top of this no ...
by CULater
Fri Jun 29, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 311
Views: 47348

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I was figuring to unload it before the warranty ran out because of concern the fuel dilution would gradually cause engine damage. Had lost confidence in the theory of keeping a Honda for 10+ years (my last one was for 15 years). So, it was a question of putting up with it for another couple of years...
by CULater
Fri Jun 29, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Deed of Trust on Condo, how can borrower get a release if lender dies?
Replies: 26
Views: 1295

Re: Deed of Trust on Condo, how can borrower get a release if lender dies?

Mlm wrote:
Fri Jun 29, 2018 2:34 pm
Is there a reason why you don't just get a mortgage to buy the property?
Basically didn't consider this because we were figuring to buy on payments via the carry back loan, and this would be a cheaper and less complicated approach.
by CULater
Fri Jun 29, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Deed of Trust on Condo, how can borrower get a release if lender dies?
Replies: 26
Views: 1295

Re: Deed of Trust on Condo, how can borrower get a release if lender dies?

Would a private annuity make sense where you agree to pay her a certain amount monthly as long as she lives? Gill Better yet; let her sell the condo on the open market and use the proceeds to pay her expenses. And Bank of Son provides her assistance on an “as needed as able basis.” If OP/Son does n...
by CULater
Fri Jun 29, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 311
Views: 47348

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

smitcat - I'm glad you are pointing out how snaggy it could get trying to use the oil analysis results to get anywhere with Honda, even if it showed gas dilution. I think it's pretty naive to think that you can just waltz into the dealer with your Blackstone report and they'll snap right to doing so...
by CULater
Fri Jun 29, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Deed of Trust on Condo, how can borrower get a release if lender dies?
Replies: 26
Views: 1295

Re: Deed of Trust on Condo, how can borrower get a release if lender dies?

If Medicaid has paid for her care before her death they may put a lien on her estate to recover those costs. If the debt is structured so they can't do that, they may refuse to pay for her care at all. Make sure you are consulting with an attorney familiar with the Medicaid laws in the state where ...
by CULater
Fri Jun 29, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Deed of Trust on Condo, how can borrower get a release if lender dies?
Replies: 26
Views: 1295

Re: Deed of Trust on Condo, how can borrower get a release if lender dies?

If Medicaid has paid for her care before her death they may put a lien on her estate to recover those costs. If the debt is structured so they can't do that, they may refuse to pay for her care at all. Make sure you are consulting with an attorney familiar with the Medicaid laws in the state where ...
by CULater
Fri Jun 29, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Deed of Trust on Condo, how can borrower get a release if lender dies?
Replies: 26
Views: 1295

Re: Deed of Trust on Condo, how can borrower get a release if lender dies?

Sure. The executor/Trustee issues a quitclaim deed or Release of Lien. The title company can help you with the documents to get the wording correct. You can also use a lawyer to prepare the deed but it's not that difficult of a task. Looking at the wording of a Deed of Release, it looks like it has...
by CULater
Fri Jun 29, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Determining "Fair Market Value" for a home
Replies: 14
Views: 1046

Re: Determining "Fair Market Value" for a home

I got such confusing information about an appraisal. A good friend of mine who is a realtor said that appraisals by licensed appraisers are not terribly reliable and vary all over the place and can't really be trusted any more than a good realtor's estimate, plus can cost $500. So, I have been a lit...
by CULater
Fri Jun 29, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Deed of Trust on Condo, how can borrower get a release if lender dies?
Replies: 26
Views: 1295

Re: Deed of Trust on Condo, how can borrower get a release if lender dies?

Sure. The executor/Trustee issues a quitclaim deed or Release of Lien. The title company can help you with the documents to get the wording correct. You can also use a lawyer to prepare the deed but it's not that difficult of a task. Looking at the wording of a Deed of Release, it looks like it has...
by CULater
Fri Jun 29, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 311
Views: 47348

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I guess you don't want to tell us. I find it interesting that CUlater has gone radio silent on his oil analysis results. Looks like this entire thread is much ado about nothing. There's plenty of information about how to check into this problem with your own vehicle and I'd do that rather than worr...
by CULater
Fri Jun 29, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: What is the evidence that knowing where the stock market has been forecasts where it is going?
Replies: 7
Views: 548

What is the evidence that knowing where the stock market has been forecasts where it is going?

The idea behind backtesting, technical analysis, CAPE, etc. is that information about the what has already happened in the stock market provides information about where the stock market might be going in the future, yes? What is the evidence that you can use the market's past to predict it's future ...
by CULater
Thu Jun 28, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Deed of Trust on Condo, how can borrower get a release if lender dies?
Replies: 26
Views: 1295

Deed of Trust on Condo, how can borrower get a release if lender dies?

Purchasing condo from mother with Deed of Trust based on carry back loan from mother. Am the sole beneficiary of her estate and mother dies. What must be done legally to release the Deed of Trust post mortem. Even though there is a "cancel on death" clause in the promissory note, can the Deed of Tru...