Search found 858 matches

by Wakefield1
Sun Dec 09, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: does the 4% withdrawal guideline include dividends?
Replies: 42
Views: 2392

Re: does the 4% withdrawal guideline include dividends?

Has much analysis been done of the chance for success of preservation of portfolios using a 4% annual withdrawal but recalculating the 4% for each year's ending portfolio value-that is,if the portfolio went down,so does the 4%( :( ),but if the portfolio went up ( :D ) so does the 4%! (Each year) of ...
by Wakefield1
Sun Dec 09, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 41
Views: 2434

Re: portable jump starters

A battery can potentially explode even if you do everything right! Even if not being jump started!
Ones that I have seen only blew off the top
by Wakefield1
Sun Dec 09, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 41
Views: 2434

Re: portable jump starters

A word of caution: Although it seems to be routine, jump starting an auto battery can be dangerous. Be sure to follow the instructions and wear eye protection. This applies to jump starting devices and ordinary jumper cables. sport (a former battery engineer) I am a little concerned that no one has...
by Wakefield1
Sun Dec 09, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 71
Views: 3967

Re: are pre-fabricated homes a bad investment?

Maybe what is wanted is a "Modular" Home? Remember Sears houses of which there are still a few around,I think they came as a kit to be assembled either on a slab,crawl space or a full basement foundation but I think the "kit" had to be assembled much like building a "stickbuilt" house Some of them i...
by Wakefield1
Sun Dec 09, 2018 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 71
Views: 3967

Re: are manufactured homes a bad investment?

There is an enormous range of what gets called "manufactured" home. The cheapest trailer houses built in the southern US anchor the worst end of the spectrum with some really extraordinary high quality prefabbed homes at the high end. In the rural midwest, you can buy some land with septic, water a...
by Wakefield1
Sat Dec 08, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2432

Re: New QUIET Tires for Accord

I am looking at getting some new tires for my 2014 Accord Sport. The past 2 sets (Goodyear Eagle OEM; Hankook Ventus S1 Noble 2) have been extremely noisy after approximately 15,000 miles. Also, your probably already know this but let me add that many tires are directional and should not be rotated...
by Wakefield1
Thu Dec 06, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 11807

Re: Why Retirement Is Broken And Needs To Be Reinvented

Social Security is not a pension plan, it is insurance. [...] It’s sort of astonishing how little people really know about a program that has been in existence since the early 1930’s. My own grandparents referred to Social Security as the “monthly pension”. It seems like a distinction without a dif...
by Wakefield1
Wed Nov 28, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Individual Stocks or Just Keep Them To Avoid Commissions?
Replies: 31
Views: 1858

Re: Sell Individual Stocks or Just Keep Them To Avoid Commissions?

I might be a bit contrarian here but when I rolled over a couple of Fidelity workplace savings plans into a Fidelity Rollover IRA, I shied away from the Fidelity Zero Funds. First, I though the zero concept was to gimmicky and second I read the zero funds use sampling to replicate the index. If I b...
by Wakefield1
Wed Nov 28, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Individual Stocks or Just Keep Them To Avoid Commissions?
Replies: 31
Views: 1858

Re: Sell Individual Stocks or Just Keep Them To Avoid Commissions?

Hello, I have 25 individual securities with Fidelity and the total of the investment is $18k. It is all within a Roth IRA. Fidelity charges $4.95 per trade. So I am looking at $125 to get out of these securities and into their zero index funds. I am fairly young at 28, and this $18k makes up about ...
by Wakefield1
Wed Nov 07, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any real reasonable rationale as to why the Stock Market “Collapses? when…
Replies: 14
Views: 1892

Re: Is there any real reasonable rationale as to why the Stock Market “Collapses? when…

Who wins during these times? good questions. I didn't see this question answered specifically other than WhiteMaxima. That is one explanation (Wall Street is "smart money" and main street is "dumb money") but I don't think it's the only answer. There's a difference between a company like Enron whic...
by Wakefield1
Mon Nov 05, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Pension vs. 457 plan
Replies: 5
Views: 594

Re: Pension vs. 457 plan

I believe some local governments are offering a Roth style 457 plan (after tax contributions but when timely redemptions are made,tax free.
by Wakefield1
Sat Nov 03, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18443

Re: Vanguard website "unavailable during weekend of Nov 3"

Vanguard asked members of the Steering Committee last week what kind of notification people would like in case of the web site being down. Given that they'd informed me for weeks via the huge banner on the top of their site, I said I thought an email was unnecessary. I have logins to hundreds of we...
by Wakefield1
Sat Nov 03, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18443

Re: Vanguard website "unavailable during weekend of Nov 3"

Entire new hardware/ computer server suite being installed as the main public WWW interface machine?
by Wakefield1
Fri Nov 02, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9388

Re: no dividends in index funds!

Ok, thanks all, for the points. I still considering switching to Wellington fund. Make sure that you always take into consideration the after-tax return to you. Wellington is not particularly tax-efficient but if your marginal investment tax rate is low, you might get away with it. But comparing We...
by Wakefield1
Tue Oct 30, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Who's Buying General Electric?
Replies: 39
Views: 4632

Re: Who's Buying General Electric?

"GE is superbly managed"
I think not
how is the whole worth so much less than the sum of the parts?
(I guess management has already sold off some of the crown jewels)
by Wakefield1
Mon Oct 29, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: For those that think the current selloff is normal
Replies: 25
Views: 5877

Re: For those that think the current selloff is normal

The people who worry about a 10% market correction may be the same people who cause the 10% market correction
Bogle said something about hoping that (during a past correction) that perhaps after the correction was over the stocks would be in stronger hands?
by Wakefield1
Thu Oct 25, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth compared to Medicare earnings
Replies: 16
Views: 1583

Re: Net worth compared to Medicare earnings

Using cumulative Medicare earnings as an approximation of total Lifetime earnings? It comes to mind that if one has been retired for a while and drawing a pension,the pension would add a considerable amount to the "Lifetime Earnings" figure if included Is Pension Receipts part of "Lifetime Earnings"?
by Wakefield1
Thu Oct 25, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Investing vs. Index Funds
Replies: 19
Views: 1906

Re: Dividend Investing vs. Index Funds

You could raise the issue cautiously . Notice that Vanguard also has its own dividend-focussed index fund, VHDYX, ETF version VYM. I don't think you'll get anywhere because most dividend enthusiasts are also stock-pickers. Looks like VHDYX has been priced ballpark $30.00/share and has paid about $0...
by Wakefield1
Thu Oct 25, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Who profits from day to day market swings?
Replies: 13
Views: 1401

Re: Who profits from day to day market swings?

So if someone profits,who loses? I hope it isn't the long time holder.
by Wakefield1
Thu Oct 25, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8441
Views: 1662357

Re: U.S. stocks in freefall

Lotta market timing going on out there.
Still wonder if it is professionals managing institutional money or individual holders of mutual funds/stocks.
by Wakefield1
Wed Oct 24, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: The ship metaphor
Replies: 24
Views: 2034

Re: The ship metaphor

Wasn't Mr. Bogle involved in the management of a recreational sailboat manufacturer at one time?
Wow,I just see that there have been 11 different HMS Vanguards ! Was one of them at the Battle of Trafalgar?
by Wakefield1
Wed Oct 24, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8441
Views: 1662357

Re: U.S. stocks in freefall

Sorry, today was my fault. I got a little extra money recently and put it in the market yesterday. Oh well . . . I’m really to blame for this mess.... I bought some BRK.B and it’s been straight down ever since :D . Don’t worry though, by time I can TLH VTI in a couple weeks (already TLHd from VOO t...
by Wakefield1
Tue Oct 23, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7933

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

I would suspect that a lot of people,especially if still able bodied at the time,if diagnosed with cancer,especially if one of the Monsters (I really would like to use a curse word here) such as Pancreatic or Small/Oat Cell of the Lung would tend to spend a great deal of their savings on an expensi...
by Wakefield1
Tue Oct 23, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 7933

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

I would suspect that a lot of people,especially if still able bodied at the time,if diagnosed with cancer,especially if one of the Monsters (I really would like to use a curse word here) such as Pancreatic or Small/Oat Cell of the Lung would tend to spend a great deal of their savings on an expensiv...
by Wakefield1
Tue Oct 23, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4863

Re: When Will Attaining Millionaire Status Be Obsolete?

Do some of you realize that most Americans live paycheck to paycheck and barely have $1000 in savings? Only 50% invest at all. Reaching millionaire status is a huge milestone for most people. Not sure what planet you're on? I believe achieving the Million$ in personal balance or even household weal...
by Wakefield1
Tue Oct 23, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 696
Views: 104777

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

From what I can find (still not 100% sure), this CRV has a 172F thermostat. If that's the case, that's amazingly low operating temperature. Back when I had my Lotus Elise, I replaced the garbage, plastic Toyota 190F thermostat with an Auto Zone all metal 180F thermostat as there was far more proble...
by Wakefield1
Tue Oct 23, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 696
Views: 104777

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

What happens if a CRV with a presently high oil level as a result of dilution is taken on, say, an hour-long highway trip. Does the gas then "vaporize" (as mentioned in the video) such that the oil level returns to normal by the end of the trip? Probably the same thing as my 1967 Oldsmobile V8 used...
by Wakefield1
Mon Oct 22, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 696
Views: 104777

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

I don't want to encourage someone to take a chance of getting hurt by a spinning fan,pulley or belt but on most cars there is a hose leaving the thermostat containing water outlet (usually a big hose) going to the engine cooling radiator. A few minutes after (cold) startup even in summer that hose s...
by Wakefield1
Mon Oct 22, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 696
Views: 104777

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

Last night was the first night of below freezing temps here and the CRV was parked outside. This morning temps in low 30s. I fired it up and began driving and noticed that the temp gauge didn't budge for a longer time than I expected and not particularly warm air coming out of the vents with temp s...
by Wakefield1
Mon Oct 22, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo - Premier Banking, relationship managers - good or bad?
Replies: 6
Views: 494

Re: Wells Fargo - Premier Banking, relationship managers - good or bad?

Check out the theoretical penalty from breaking a CD early,perhaps you still come out ahead as compared to the savings account depending on the penalty severity vs. the interest rate difference. Read the fine print very carefully! As dm 200 responded to my question the other day By the way the local...
by Wakefield1
Sun Oct 21, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 10235

Re: My Edward Jones IRA is out performing my Vanguard 401K

Comparing the return over the last few months or so between various mutual funds is interesting but can be not only like comparing apples and oranges but comparing to watermelons! Probably not of much use in comparing different fund houses unless you compare funds with similar missions and asset mix...
by Wakefield1
Sat Oct 20, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 10235

Re: My Edward Jones IRA is out performing my Vanguard 401K

I have no experience with firm in this posting but i am a geriatrician which means I have a lot of widows as patients. People often ask doctors about legal and financial matters. I warn them that doctors don’t know much about such matters and even worse we sound like we do. I have noticed that they...
by Wakefield1
Sat Oct 20, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 696
Views: 104777

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

Yesterday, I drove the CRV for about 20-30 minutes and parked. I noticed quite a trail of water drops on the pavement behind both of the exhaust pipes for about 2-3 feet and then noticed that there was actually water pooled in the ends of the exhaust pipes as well. Never seen this before. What do y...
by Wakefield1
Fri Oct 19, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Isn’t All Bad
Replies: 7
Views: 1000

Re: Larry Swedroe: Active Isn’t All Bad

Do the fund managers receive/get paid the bulk of the expense ratio proceeds of the funds they manage or do middlemen such as the investors/Big Banks or insurance companies who own some of the for profit fund houses get a lion's share of those proceeds?
by Wakefield1
Fri Oct 19, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Why is dividend yield a part of expected future returns
Replies: 15
Views: 1152

Re: Why is dividend yield a part of expected future returns

I realize that total return is made up of two parts, dividend distribution and share price appreciation I guess my confusion is if return over the long run is based on overall profit growth of the company since it seems the main measure Wall Street uses to value a company is P/E ratios. What does a...
by Wakefield1
Fri Oct 19, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Why is dividend yield a part of expected future returns
Replies: 15
Views: 1152

Re: Why is dividend yield a part of expected future returns

But in all these dividend threads, isn't it agreed that the share price of the stock goes down by the amount of the dividend leaving a net zero gain? I guess I'm still confused. What about the analogy of milking a cow-after you milk it the cow weighs less and can't be immediately milked again-but t...
by Wakefield1
Wed Oct 17, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: "Breaking" a CD: On a Specific Date ??
Replies: 12
Views: 839

Re: "Breaking" a CD: On a Specific Date ??

I guess that different institutions have varied penalties for breaking CDs of similar maturities?
Do some institutions claw back principal as well as interest if a CD is "broken"?
by Wakefield1
Thu Oct 11, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: auto/home insurance rates
Replies: 19
Views: 1626

Re: auto/home insurance rates

I/we have been with State Farm - auto 46 years and homeowners for 40. Very happy - premiums are low (compared to what I understand). State Farm just lowered my (auto) premium a little bit (been with them for 17 or so years) I think having a good Agent might have some bearing on the "price optimizat...
by Wakefield1
Thu Oct 11, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7346

Re: My life saved by New subaru. Almost died.

Your Subaru Outback 3.6 Touring is a very poor performer when it comes to braking.. Braking is not the Subaru Outback’s forte. With a 70-mph-to-zero braking distance of 192 feet, our 3859-pound Outback 3.6R Touring d idn’t just perform poorly among its competitive set, it simply performed poorly . ...
by Wakefield1
Tue Oct 09, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 1931

Re: Investment advice for a friend in her nineties

Many thanks to all of you for your advice. I don’t want to advise my friend to buy stocks in her nineties, and her aversion to investing online pretty much rules out Treasury Direct and online banks. She’s also averse to money market mutual funds. So I’ve scouted around and have found two local ban...
by Wakefield1
Fri Oct 05, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Where is that value premium?
Replies: 57
Views: 4239

Re: Where is that value premium?

Say a fund at a point in time shows superior 10 year return. Then suppose it has a really bad quarter and underperforms its peers by several percent. I understand that the 10 year return figure will also decline relative to the other funds that did better that quarter. There goes the (value) (growth...
by Wakefield1
Fri Oct 05, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: 7 Investing Truths That Aren't
Replies: 53
Views: 6064

Re: 7 Investing Truths That Aren't

Greenman72 wrote:
Fri Oct 05, 2018 7:38 pm
“You don’t lose any money until you sell.”
You don't have any money until you sell (unless you have dividends) :shock:
by Wakefield1
Thu Oct 04, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 8155

Re: Key differences between investing philosophies: Swedroe vs. Bogle

The Swedroe theories,analyses and academic work might be seen as useful to trying to understand why markets work as they do,in a sort of scientific detached way. Attractive to someone with a passionate interest in understanding such things. Bogle gave us a way to navigate the markets such as to seek...
by Wakefield1
Wed Oct 03, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 12045

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

And I don't know if it is true or not, but I was told to turn off AC when moving. The argument is that the cooling load on a house with all its doors open is higher than normal and can strain the system. Sorry, not an ounce of truth to that. It’s analogous to saying you shouldn’t turn on lights at ...
by Wakefield1
Wed Oct 03, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 8155

Re: Key differences between investing philosophies: Swedroe vs. Bogle

(Before I read through the thread)
exquisitely complex analysis and calculations and deliberations in order to chase down a possible small return advantage (or tax reduction) vs. "KISS" and earn the market return ("keep it simple,xxxxxx") (xxxxxx might run afoul of moderator rules)
by Wakefield1
Wed Oct 03, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 12045

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

It would be interesting to be able to access the old house to see if the AC system has even actually been replaced as claimed. Slick AC contractor or slick home buyer? Looking for free $10,000.? If the AC actually stopped working was it some small problem that was repaired and the charge made for an...
by Wakefield1
Mon Oct 01, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9663

Re: Suze Orman - "I hate the FIRE movement."

Fear of giving up some control of one's own personal resource (the ability to earn money) I and my favorite boss were more or less pressured by family responsibilities to retire earlier than would have otherwise been desired,he told me to try to keep my commercial (truck) driver's license as in tryi...
by Wakefield1
Fri Sep 28, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 696
Views: 104777

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

What a shame if they have discontinued the excellent V6 Accord in favor of the turkey (I mean turbo).
by Wakefield1
Fri Sep 28, 2018 12:46 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 23673

Re: Water Heater Install $1,800!

I have learned something new. I was aware that there is such a thing as a hydraulic shock absorber,sort of a pressure tank on a water line that contains some air as well as water pressurized from the line,such that changes in the pressure in the water line make water flow either into or out of the t...
by Wakefield1
Sun Sep 23, 2018 1:46 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3829

Re: How to get rid of rabbits

There is a population explosion of "rabbits" (I believe they are some kind of hybrid cottontail hare) in Arlington Virginia and they are very destructive to many plants and vegetables,they have essentially destroyed what used to be a nice collection of Spring and Fall blooming Crocus over a few year...