Search found 45 matches

by LearningAlot
Wed Oct 21, 2020 8:29 am
Forum: Personal Investments
Topic: 72 year old, wanting to put investments in "auto pilot" mode, please advise
Replies: 25
Views: 3000

72 year old, wanting to put investments in "auto pilot" mode, please advise

I have a 72 year old relative who has his nest egg in a Vanguard 401K. He comfortably lives on social security, plus 3% from his nest egg. He has been maintaining an asset allocation of 40% equities and 60% bonds. The equities are maintained at 75% domestic and 25% international. The bonds are in an...
by LearningAlot
Sun Sep 13, 2020 3:13 pm
Forum: Personal Investments
Topic: question for the bond fund experts out there
Replies: 12
Views: 1043

Re: question for the bond fund experts out there

I have my retirement savings in Vanguard funds. The bond portion is currently in an intermediate bond fund and I want to reduce risk. Current: VBTLX, SEC yield 1.17%, duration 6.6 years, credit quality(59% US Gov, 20% Aaa-A, 21% Baa) I am considering moving to one of the following. VUSFX: SEC yield...
by LearningAlot
Sun Sep 13, 2020 11:30 am
Forum: Personal Investments
Topic: question for the bond fund experts out there
Replies: 12
Views: 1043

question for the bond fund experts out there

I have my retirement savings in Vanguard funds. The bond portion is currently in an intermediate bond fund and I want to reduce risk. Current: VBTLX, SEC yield 1.17%, duration 6.6 years, credit quality(59% US Gov, 20% Aaa-A, 21% Baa) I am considering moving to one of the following. VUSFX: SEC yield ...
by LearningAlot
Thu Sep 10, 2020 8:51 am
Forum: Personal Investments
Topic: Age vs retirement year
Replies: 27
Views: 4714

Re: Age vs retirement year

retired at 58, went to 40% equity/ 60% bonds. Plan to stay there for 5 years, then move to 50/50 forever thereafter.
by LearningAlot
Wed Sep 02, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: are there any Golf Club 2019 PS4 players out there?
Replies: 0
Views: 375

are there any Golf Club 2019 PS4 players out there?

Can't golf any more, found Golf Club 2019 to be a lot of fun as a replacement,
has anyone switched to PGA Tour 2K21? Was wondering what kind of experiences
people have had.

Thanks in advance!
by LearningAlot
Mon Aug 31, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: looking for suggestions to control thistle weeds
Replies: 2
Views: 208

looking for suggestions to control thistle weeds

Right now, the thistle weeds are winning, can't seem to get ahead of them, have used roundup and digging some out,
concerned about health issues with roundup, would greatly appreciate any suggestions.

Thanks in advance!
by LearningAlot
Mon Aug 31, 2020 6:14 am
Forum: Personal Investments
Topic: Help me break my addiction to watching the Market / Worrying
Replies: 52
Views: 3703

Re: Help me break my addiction to watching the Market / Worrying

i read and watch everything I can. the trick is to only watch and read it - but not act on it. it becomes easier as time goes by and you see all of the 'noise' for what it is - 'noise'. look at the last six months. big drop. by staying the course i am back where i started (more or less). if you do ...
by LearningAlot
Wed Aug 26, 2020 6:34 am
Forum: Personal Investments
Topic: Intermediate bond index versus Total Bond Index
Replies: 34
Views: 3864

Re: Intermediate bond index versus Total Bond Index

Very good posts Northern Flicker. Thanks, but I should add that the performance of the last 25 years should not be assumed generalizable to the future. The makeup of the total bond index has changed over the 25 years. Interest rates are very different today.And every investment period has its own u...
by LearningAlot
Tue Aug 25, 2020 6:56 am
Forum: Personal Investments
Topic: What to do/read/follow if retiring in 8-10 years?
Replies: 20
Views: 2005

Re: What to do/read/follow if retiring in 8-10 years?

retired 3 years ago, three items strike me as particularly important

1. understand your spending, track it now, get good at forecasting it accurately

2. learn all you can about "sequence of return" risk and its' implication to your retirement date and asset allocation

3. save aggressively
by LearningAlot
Tue Aug 25, 2020 6:34 am
Forum: Personal Investments
Topic: Cash allocation after retirement...
Replies: 29
Views: 3117

Re: Cash allocation after retirement...

In third year of retirement, here is my approach (for what it is worth) I define cash as immediately liquid without being taxable income. So, I do not consider anything in my tax deferred accounts as "cash" as a distribution would be taxable. In January each year, I "fund" a money market fund in a ...
by LearningAlot
Mon Aug 24, 2020 6:37 am
Forum: Personal Investments
Topic: Cash allocation after retirement...
Replies: 29
Views: 3117

Re: Cash allocation after retirement...

In third year of retirement, here is my approach (for what it is worth) I define cash as immediately liquid without being taxable income. So, I do not consider anything in my tax deferred accounts as "cash" as a distribution would be taxable. In January each year, I "fund" a money market fund in a t...
by LearningAlot
Wed Aug 19, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4511

Re: Approach to "News" Consumption

I recently made the decision to eliminate main stream media from my life (both the right leaning and the left leaning) and live a happier life. I inform myself with the following: * WSJ (mainly for the economic and financial stuff) * Youtube: about 75 different youtube channels * Twitter: follow abo...
by LearningAlot
Tue Aug 11, 2020 11:37 am
Forum: Personal Finance (Not Investing)
Topic: seeking advice on flood insurance
Replies: 12
Views: 834

seeking advice on flood insurance

When I retired a few years ago, I decided to purchase flood insurance for my residence, for the unlikely event of a historic flood seriously damaging my house It is up for renewal and I am trying to think through how to evaluate whether or not it is worth the premium. I live in Ohio, not in a flood ...
by LearningAlot
Sun Aug 09, 2020 7:52 am
Forum: Personal Investments
Topic: Bond Alternatives in the time of Zero rates
Replies: 151
Views: 13874

Re: Bond Alternatives in the time of Zero rates

This is a limited option but I've been trying to fill up my stable value fund in an old 401k.... I know the stable value fund was decent (this year is 3%), so kept the account rather than rolling it over. That comes with different risks - single issuer in my case. It will also not last long - rates...
by LearningAlot
Sun Aug 09, 2020 7:29 am
Forum: Personal Consumer Issues
Topic: Whole House Generator propane odor
Replies: 9
Views: 822

Re: Whole House Generator propane odor

Hi Just got a band new Kohler 20kw whole house generator that runs on propane. During the first weekly exercise, I could smell some propane odor coming from the exhaust. The lp guy sprayed the connections outside of the generator with soapy water and did not detect any leaks. He said it was normal ...
by LearningAlot
Sat Aug 08, 2020 7:19 am
Forum: Personal Investments
Topic: where to park next 2 years of retirement spend(money market or ST bond fund)
Replies: 4
Views: 588

where to park next 2 years of retirement spend(money market or ST bond fund)

I have been carrying my "non equity" IRA investment in an intermediate bond fund. Thinking I should start keeping a couple years of spending in either a money market fund or ST bond fund, in the event interest rates rise and the share price drops on the intermediate bond fund (it has a 6.4 year dura...
by LearningAlot
Wed Jul 29, 2020 8:42 am
Forum: Personal Investments
Topic: I know I am not supposed to time the market, but...
Replies: 11
Views: 1706

Re: I know I am not supposed to time the market, but...

When is the next rate reset for your stable value fund? Is there a restriction on how long funds have to stay within the stable value fund before you can transfer them into another fund? Not sure on reset date, based on past experience, in low interest rate periods, the stable value will have a hig...
by LearningAlot
Wed Jul 29, 2020 8:30 am
Forum: Personal Investments
Topic: I know I am not supposed to time the market, but...
Replies: 11
Views: 1706

Re: I know I am not supposed to time the market, but...

Walkure wrote: Tue Jul 28, 2020 12:25 pm
LearningAlot wrote: Tue Jul 28, 2020 11:10 am My policy has been 1/3 in stable value(duration 3 yrs)
How does a stable value account even have a duration?
I do not know, it is listed as such in the fund description (it is a Vanguard fund in a 401K)
by LearningAlot
Wed Jul 29, 2020 8:27 am
Forum: Personal Investments
Topic: I know I am not supposed to time the market, but...
Replies: 11
Views: 1706

Re: I know I am not supposed to time the market, but...

anon_investor wrote: Tue Jul 28, 2020 11:23 am When is the next rate reset for your stable value fund? Is there a restriction on how long funds have to stay within the stable value fund before you can transfer them into another fund?
My 401K has no restriction on how long funds have to stay in the stable value fund
by LearningAlot
Tue Jul 28, 2020 11:10 am
Forum: Personal Investments
Topic: I know I am not supposed to time the market, but...
Replies: 11
Views: 1706

I know I am not supposed to time the market, but...

Seeking advice on bond fund allocation in my retirement nest egg. My policy has been 1/3 in stable value(duration 3 yrs) and 2/3 in intermediate bond fund (6 yr duration). As rates have declined, the intermediate fund has obviously performed very well (+7.6% YTD, + 9% last 12 mos) This has driven th...
by LearningAlot
Mon May 18, 2020 6:53 am
Forum: Personal Investments
Topic: time to buy small cap value?
Replies: 10
Views: 638

time to buy small cap value?

My equity portfolio is 100% cap weighted, have had a goal to slightly tilt it with 5% in small cap value. Noticed YTD small cap value has performed worse than value in general and significantly worse than growth. Feels like a good time to make this move. I would consider it to be long term investmen...
by LearningAlot
Fri Dec 20, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: 2 years in, asking for a gut check
Replies: 6
Views: 737

Re: 2 years in, asking for a gut check

Good question, I have not looked into LTCI , probably should, I've been under the impression that due to my health issues (life long disability that get's progressively worse), that LTCI premiums would be very high. If I ever do need to leave my house for some sort of assisted living, my plan has be...
by LearningAlot
Fri Dec 20, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: 2 years in, asking for a gut check
Replies: 6
Views: 737

Re: 2 years in, asking for a gut check

Thanks for the feedback. Just curious, if I would get a SPIA, would you recommend it come out of my equities
or my fixed income investments?
by LearningAlot
Fri Dec 20, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: 2 years in, asking for a gut check
Replies: 6
Views: 737

2 years in, asking for a gut check

Anyone who would be willing to give me a gut check on my spending/investments given my situation would be appreciated. * 59 years old, single, two years ago stopped working, estimated life expectancy is 93 * collecting social security disability due to a permanent disability, which will transition t...
by LearningAlot
Tue Oct 08, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Finance or Accounting Degree?
Replies: 81
Views: 6631

Re: Finance or Accounting Degree?

I worked 35 years for a large corporation in various roles supporting manufacturing. Had numerous promotions. My education was undergrad in accounting, masters of science in accounting, and a CPA. I took as many finance courses as I could in my undergrad and masters programs and most of my continuin...
by LearningAlot
Fri Sep 13, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Anyone have a mobility scooter?
Replies: 3
Views: 448

Anyone have a mobility scooter?

I'm recently retired and want to get out and about around my property and neighborhood more (have a disability and need to get some sort of cart). I looked at a golf cart and that doesn't work for my situation. Been looking at mobility scooters that are fairly rugged, can handled different surfaces,...
by LearningAlot
Wed Aug 07, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4896
Views: 936529

credit card strategy

[merged into existing thread - moderator prudent] I don't travel (other than day trips by car) and thus credit card travel rewards never interested me. My credit card strategy has been pretty simple. Run everything I can through my credit cards. I use the Amazon prime card for everything, except th...
by LearningAlot
Wed Jul 24, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: any numismatists (coin collectors) out there?
Replies: 22
Views: 2786

any numismatists (coin collectors) out there?

My 88 year old mother has a jar of old coins in her lock box and has asked me to see if they have any value.
They are mainly US coins from the late 1800's and early 1900's. I am starting from scratch on this from a
knowledge perspective and would appreciate any suggestions.

Thanks in advance!
by LearningAlot
Mon Jul 08, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Ohio Will vs Trust
Replies: 2
Views: 367

Re: Ohio Will vs Trust

I live in Ohio and just updated my estate plan as I have recently retired and needed to update things. I am single, with no children, so not identical to your situation. I went with TOP/POD for everything but my house and household personal property. For the house, went with "Transfer on Death Affid...
by LearningAlot
Tue Jun 18, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: losing medicaid, needing to go on affordable care act
Replies: 13
Views: 1688

Re: losing medicaid, needing to go on affordable care act

Thanks all for your guidance. Between healthcare.gov and www.kff.org/interactive/subsidy-calculator/, I have been able to gain a pretty good understanding of options and costs. She provided me her doctors and drugs, so I have been able to find a silver plan which includes most of her providers and d...
by LearningAlot
Mon Jun 17, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: losing medicaid, needing to go on affordable care act
Replies: 13
Views: 1688

losing medicaid, needing to go on affordable care act

I will be helping a friend of the family, who is very low income, navigate some insurance issues. She was on SSI and medicaid. She now turned 62, and is receiving social security survivor income of $20,000 annually. This pushes her just beyond medicaid eligibility and needs to go the ACA route. I am...
by LearningAlot
Sun May 12, 2019 7:01 am
Forum: Personal Finance (Not Investing)
Topic: What are your Podcasts?
Replies: 1
Views: 383

What are your Podcasts?

Over the last couple of years, I have added listening to several podcasts each week to my routine. I really look forward to them, as I learn a lot while utilizing my time more productively. My focus is in the areas of financial planning, wealth management, and health. I would appreciate any who woul...
by LearningAlot
Wed May 08, 2019 8:40 am
Forum: Personal Investments
Topic: Timing of withdrawals in retirement and dividend/interest distributions
Replies: 2
Views: 450

Timing of withdrawals in retirement and dividend/interest distributions

I am early in my retirement and will soon be making withdrawals from my nest egg to supplement social security as planned based on the asset allocation and withdrawal rates I have chosen. I am working through my cash flow routine and want to standardize on what makes most sense. My question is more ...
by LearningAlot
Tue May 07, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: grubs and skunks
Replies: 17
Views: 1734

grubs and skunks

Skunks are feasting on grubs in my lawn and tearing up the lawn.
Looking for any best practices in dealing with this.

Thanks in advance!
by LearningAlot
Tue Apr 30, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: QCD(qualified charitable distribution) and Schwab
Replies: 5
Views: 666

QCD(qualified charitable distribution) and Schwab

I will be assisting my mother in making a QCD from her Schwab Traditional IRA. She is 87 years old.

Before I get into it with Schwab, was wondering if anyone had experience with Schwab on this and
could share the key steps to make it happen.

Thanks in advance!
by LearningAlot
Tue Apr 30, 2019 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Is a trust better than a will?
Replies: 8
Views: 1168

Is a trust better than a will?

I am in the process of updating my estate plan, recently retired and current plan needs to be tweaked. Always been single, no spouse or children. My assets are in the following buckets: Vanguard traditional IRA & 401K: Primary & contingent beneficiaries updated, good to go Life insurance policies: P...
by LearningAlot
Wed Apr 24, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with job stress related to health issues
Replies: 7
Views: 1173

Re: How to deal with job stress related to health issues

I have experience in dealing with this issue and I will share you the approach I used. My medical issue was progressive and therefore got worse every year. 1. Do everything in my power to positively impact my condition 2. Be honest with myself-as things got worse, there were activities that I clearl...
by LearningAlot
Wed Mar 20, 2019 7:47 am
Forum: Investing - Theory, News & General
Topic: Favorite investment quote
Replies: 73
Views: 4889

Re: Favorite investment quote

Here are a few of my favorites: "There are two types of investors: those who don’t know what the markets will do and those who don’t know that they do not know what the markets will do." Don't know who to attribute this to but it has always stuck with me "If at first you don’t succeed, skydiving is ...
by LearningAlot
Thu Jan 17, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1543

Audio book options

I enjoy listening to books. Was wondering what the best options are for good selection and low cost.

Thanks in advance!
by LearningAlot
Wed Nov 21, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Question about qualified charitable distribution (QCD)
Replies: 11
Views: 752

Question about qualified charitable distribution (QCD)

I manage my mom's finances/taxes, she is in her RMD years and takes the minimum each year. She cannot itemize and gives to charities each year. I discussed a QCD with her and she would like me to handle her primary charitable contribution (her church) as a QCD in 2019. She has her traditional IRA wi...
by LearningAlot
Sat Nov 10, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: question from "not the smartest personal computer guy in the world"
Replies: 12
Views: 1856

question from "not the smartest personal computer guy in the world"

I am recently retired, when I was working and I had a PC / IPAD/ Cell phone/ or data security type question, I would seek out someone at work who was way smarter than I and get helpful advice. I don't have that anymore and was hoping to bounce things off of this group. One of my projects this winter...
by LearningAlot
Thu Nov 08, 2018 6:36 am
Forum: Personal Investments
Topic: how do I determine if a company is value or growth?
Replies: 5
Views: 460

how do I determine if a company is value or growth?

I am trying to educate myself on the concept of value investing and realized I could not answer some basic questions and was hoping someone could point me in the right direction. Are there generally accepted rules that govern whether a company is classified as value or growth. Is there a list that i...
by LearningAlot
Fri Oct 05, 2018 1:35 pm
Forum: Personal Investments
Topic: seeking advice: bond funds vs CDs/Treasuries
Replies: 3
Views: 812

seeking advice: bond funds vs CDs/Treasuries

I'm recently retired and new to investing. Thanks to the very helpful feedback from this forum, I am feeling good about the equity side(I'm keeping it simple). I continue to struggle with the fixed income/bond side of things. I keep going back and forth from 1. take the long view, don't try to time ...
by LearningAlot
Mon Oct 01, 2018 9:41 am
Forum: Personal Investments
Topic: seeking advice: Schwab and Vanguard vs just Vanguard
Replies: 8
Views: 911

seeking advice: Schwab and Vanguard vs just Vanguard

I currently have my IRA with Vanguard(80%) and my taxable with Schwab(20%). I've been thinking about opening a taxable account with Vanguard and transfer my Schwab $ to Vanguard and use only one company. Benefits would be 1. a little easier administratively for me and 2. Vanguard's money market inte...
by LearningAlot
Thu Aug 02, 2018 9:19 am
Forum: Personal Investments
Topic: New Retiree seeks feedback
Replies: 4
Views: 947

New Retiree seeks feedback

I am a recent retiree, after interviewing 10 financial planners, came to the conclusion I should manage my retirement nest egg myself, hope to do it better and save the fees. Been learning so much from you all (Thanks Much!). I have developed my game plan and wanted to share it here and get any feed...