Search found 175 matches

by elainet7
Tue Jun 11, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: Perpetual Withdrawal Rates for 18 Portfolios
Replies: 50
Views: 4813

Re: Perpetual Withdrawal Rates for 18 Portfolios

how many retirees 65-70 have 60% in equities, really?
by elainet7
Mon Jun 10, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3055

Re: Good Rx

you do not need the card but ask the price before filling script to make sure its what is on the site
what a crazy system
by elainet7
Mon Jun 10, 2019 3:08 pm
Forum: Personal Investments
Topic: Roth IRA for child
Replies: 49
Views: 4925

Re: Roth IRA for child

read millionaire teacher by Andrew hallam
by elainet7
Mon Jun 10, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3055

Good Rx

Use this plan(free) for drug purchases
Sometimes your copay with insurance is MORE than buying it out of pocket!!!
Believe it or not I have seen it many times
by elainet7
Sat Jun 08, 2019 4:47 pm
Forum: Personal Investments
Topic: FIRST POST - Portfolio Review - Please
Replies: 30
Views: 3168

Re: FIRST POST - Portfolio Review - Please

Incredible but probably very common
They gotta pass the fiduciary ruling
by elainet7
Wed Jun 05, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 7986

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

would you treat children differently if one is a hi income earner and the others with more modest incomes
by elainet7
Wed Jun 05, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8104

Re: Costco or Sam's Club?

50-60M americans paying 50-60 bucks membership fees?????
by elainet7
Tue Jun 04, 2019 6:07 am
Forum: Personal Investments
Topic: Should I increase my bond percentage now that I've accumulated more assets even though only 43 years old
Replies: 8
Views: 1761

Re: Should I increase my bond percentage now that I've accumulated more assets even though only 43 years old

Marginal utility of wealth. When you wn the game it’s best to preserve capital
Can you afford to lose 50%
by elainet7
Sun May 26, 2019 10:27 am
Forum: Personal Investments
Topic: Shorter duration of munis?
Replies: 16
Views: 1144

Re: Shorter duration of munis?

buy long term munis and build a ladder assuming you will hold to maturity
by elainet7
Fri May 24, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 67
Views: 2756

NEW RETIREMENT LAWS

[Merged into existing locked thread - moderator prudent]

If passed will raise RMD to age 72(or higher) and limit the stretch ira to 10yrs
Any thoughts if finally passed?
by elainet7
Thu May 23, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2152

Re: Weber vs Broil King Grills

Weber-no brainer
by elainet7
Thu May 23, 2019 7:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 8455

Re: Vanguard issues 10-year forecast for stock, bond market returns

in their TD funds, all have int'l bonds
Do they know something?
by elainet7
Wed May 22, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 70
Views: 7472

Re: Do you have hardwood or tile in your kitchen?

Anyone know how to remember be blotches from travertine floors
by elainet7
Thu May 16, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: Pre-RMD Retirement Sweet Spot - Accelerating IRA Withdrawals vs. Roth Conversion
Replies: 51
Views: 4032

Re: Pre-RMD Retirement Sweet Spot - Accelerating IRA Withdrawals vs. Roth Conversion

I have done that as we have 4.15 m in Ira’s and the tax rates now will never be lower
Effective tax rate on 300k for example is 18%
We have no statetax
by elainet7
Wed May 15, 2019 11:43 am
Forum: Personal Investments
Topic: Time to fire the financial assistant. Help me with the courage.
Replies: 41
Views: 4079

Re: Time to fire the financial assistant. Help me with the courage.

I transferred from RJ to Vanguard with just a phone call. The era of advisors(AUM) is disappearing as Ric Ferri states
by elainet7
Wed May 15, 2019 11:39 am
Forum: Personal Investments
Topic: Help my broker is trying to freak me out
Replies: 94
Views: 13862

Re: Help my broker is trying to freak me out

Act as if every broker, advisor, and insurance salesman is a hardened criminal-William Bernstein
by elainet7
Wed May 15, 2019 11:36 am
Forum: Personal Investments
Topic: Fisher Investments--again
Replies: 16
Views: 3043

Re: Fisher Investments--again

Spoke to a rep from Fisher yesterday. They only do individual stocks. NO INDEX FUNDS NO annuities
They love to call and send papmhlets
by elainet7
Wed May 08, 2019 7:45 pm
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6545

Re: The 4% rule

the goal in retirement is not to seek the highest return but to maintain lifestyle
one pile of $$$ for fixed expenses; the rest in equities-thoughts of William bernstein
by elainet7
Wed May 08, 2019 5:14 pm
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6545

Re: The 4% rule

most speak of a 3.5% SWR nowadays
by elainet7
Wed May 08, 2019 5:13 pm
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6545

Re: The 4% rule

if you have a bad sequence of returns in your first few years of retirement you might be doomed to failure
by elainet7
Wed May 08, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: Goodman HVAC System
Replies: 21
Views: 1978

Re: Goodman HVAC System

think goodman is the biggest ac company in the world
have used them-they have a good warranty
by elainet7
Wed May 08, 2019 7:03 am
Forum: Personal Investments
Topic: The 4% rule
Replies: 94
Views: 6545

Re: The 4% rule

with very low bond yields, dividends half of what they were, and hi stock valuations, the 4% rule might not work
the Trinity study show nearly 100% success with stocks at 25%
by elainet7
Sun May 05, 2019 11:37 am
Forum: Personal Investments
Topic: Too much stock!
Replies: 10
Views: 1604

Re: Too much stock!

never ever complain about being wealthy
we have 4.2m in iras and it does not bother me at all as those dollars wee never taxed from the get go and those were significant tax deductions at high rATES
by elainet7
Sat May 04, 2019 7:45 am
Forum: Personal Investments
Topic: Help simplifyng complex portfolio after firing AUM advisor
Replies: 21
Views: 2145

Re: Help simplifyng complex portfolio after firing AUM advisor

the end of the era of AUM advisors-words from Ric Ferri
by elainet7
Fri May 03, 2019 5:00 pm
Forum: Personal Investments
Topic: Dentist seeking portfolio advice
Replies: 7
Views: 1066

Re: Dentist seeking portfolio advice

speak to a pension company to set up a plan where you can sock away a lot of dough to build up your retirement acct I used pension associates in Connecticut for a long time your IRA eventually will be your greatest asset; a few million at age 65 invested wisely as you are doing you are doing fine wi...
by elainet7
Tue Apr 30, 2019 12:01 pm
Forum: Personal Investments
Topic: Help simplifyng complex portfolio after firing AUM advisor
Replies: 21
Views: 2145

Re: Help simplifyng complex portfolio after firing AUM advisor

14% in one stock is excessive
Just simplify your portfolio with vanguard or fidelity
we keep all our accounts on one webpage as we log in
and of course these advisors complicate matters with all bad intentions
great to get rid of him as their time is limited
by elainet7
Mon Apr 29, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: I'm not going to run out
Replies: 62
Views: 8608

Re: Retirees: I'm not going to run out

we oversaved by 25%-not worried but its in the mind of probably every retiree
by elainet7
Mon Apr 29, 2019 10:52 am
Forum: Personal Investments
Topic: Vanguard Investment Advice
Replies: 11
Views: 1090

Re: Vanguard Investment Advice

I would trust vanguard hands down
by elainet7
Mon Apr 29, 2019 10:22 am
Forum: Personal Investments
Topic: Which Bond fund should I choose?
Replies: 24
Views: 1358

Re: Which Bond fund should I choose?

vanguard total bond index fund
by elainet7
Sun Apr 28, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4967

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

if we had a financially literate population there would be much less poverty and very few stock brokers
85% of "advisors" are NOT fiduciaries
by elainet7
Sun Apr 28, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4967

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

It needs to be a mandatory course in high school. After I read Random Walk I understood the game
As we all know compounded profits leads to wealth
by elainet7
Sat Apr 27, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4967

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

if they only saw the costs they are incurring over a lifetime investing; the tyranny of compounding in reverse
"If You Can" read it online
by elainet7
Fri Apr 26, 2019 4:48 pm
Forum: Personal Investments
Topic: New and looking for Retirement suggestions
Replies: 17
Views: 2139

Re: New and looking for Retirement suggestions

READ online If You Can by Bernstein And one of Bogle's book on funds and the 4 pillars of investing by Bernstein Enough knowledge there to invest on your Very leary of advisors but Vanguard should be having a new one short;y competing with Schwab-for $30/month and a start up fee of around $300 you w...
by elainet7
Thu Apr 25, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 35
Views: 3326

Re: Teeth Whitening

best method is trays made by dentist and OPAL 10% by ultradent
used it foir years in practice
by elainet7
Wed Apr 24, 2019 5:08 pm
Forum: Personal Investments
Topic: Need help grading my "Fee Only" provider
Replies: 44
Views: 3193

Re: Need help grading my "Fee Only" provider

Fire the advisor asap Of course they make the portfolio convoluted to make you think its a chore you cannot do
According to Ric Ferri the AUM advisor is dead as he should be
You are getting hosed with 1% plus high expense ratios for sure
by elainet7
Wed Apr 24, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 35
Views: 3326

Re: Teeth Whitening

Use SEnsodyne for a few weeks prior to whitening to reduce sensitivity
OPAL 10% is the choice 35% is way too strong
by elainet7
Mon Apr 22, 2019 1:39 pm
Forum: Investing - Theory, News & General
Topic: Best Taxable Bond Funds IRA
Replies: 8
Views: 550

Re: Best Taxable Bond Funds IRA

this money is all IRA
I have a few Vanguard bond funds and ETFS in bonds
Long Term, Inter Term, Hi Yield
RETIRED age 69, wife 68
Large IRA 4.15m
OWN MUNI BONDS in Taxable acct
Taking d istributions for last 10yrs
Thought to consolidate most into TOTAL BOND FUND
by elainet7
Mon Apr 22, 2019 9:53 am
Forum: Investing - Theory, News & General
Topic: Best Taxable Bond Funds IRA
Replies: 8
Views: 550

Best Taxable Bond Funds IRA

I have Inter term and long term corporate/govt bond funds and High Yield
Any other suggestions or consolidate all to total bond fund
by elainet7
Sun Apr 21, 2019 8:40 pm
Forum: Investing - Theory, News & General
Topic: Re-Examining an assumption: 45% bonds in retirement?
Replies: 95
Views: 11280

Re: Re-Examining an assumption: 45% bonds in retirement?

The goal in retirement is to maintain lifestyle and preserve capital; aiming for the highest absolute return is not right look at a monte carlo simulator and see how a sequence of return risk will ruin ruin your chances of outliving your portfolio As Bernstein says have a portion for fixed expenses ...
by elainet7
Sat Apr 20, 2019 9:27 am
Forum: Personal Investments
Topic: Should I start doing Roth Conversions and if so
Replies: 89
Views: 6262

Re: Should I start doing Roth Conversions and if so

its a good problem to have
by elainet7
Fri Apr 19, 2019 11:26 am
Forum: Personal Investments
Topic: The Final Definitive Thread on Best Brokerage
Replies: 18
Views: 1629

Re: The Final Definitive Thread on Best Brokerage

avoid wells fargo and Ameriprise and most other brokerage accounts 5 were fined 40 million for shady practices after luring brokers with large bonuses when they failed their quotas they had to give back $$$$ lots of shady deals to bolster commissions vanguard site is super imho just consolidated all...
by elainet7
Thu Apr 18, 2019 1:27 pm
Forum: Personal Investments
Topic: The Final Definitive Thread on Best Brokerage
Replies: 18
Views: 1629

Re: The Final Definitive Thread on Best Brokerage

vanguard hands down-no shareholders
by elainet7
Thu Apr 11, 2019 2:11 pm
Forum: Personal Investments
Topic: Requesting Portfolio Review
Replies: 6
Views: 715

Re: Requesting Portfolio Review

Can you afford to lose half your equities in a crash
by elainet7
Wed Apr 10, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: The high cost of sound financial advice
Replies: 45
Views: 5142

Re: The high cost of sound financial advice

Schwab has that intelligent portfolio premium plan to manage your portfolio with a cfp
by elainet7
Wed Apr 10, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: The high cost of sound financial advice
Replies: 45
Views: 5142

Re: The high cost of sound financial advice

Swedroe has a new book on this subject t Read the trinity study and bengens work on the 4% rule Use a Monte Carlo simulator at portfolio visualizer With three million you should withdraw 3.5% No need for an advisor. All the info is here and online and in books Schwartz has a new planning platform at...
by elainet7
Tue Apr 09, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Should I regularly replace the water filter in the fridge?
Replies: 50
Views: 4157

Re: Should I regularly replace the water filter in the fridge?

spoke to a company that sells them-replace light goes off every 6 months no matter what
she said wait till it tastes different
similar to oil change every 3k miles
by elainet7
Tue Apr 09, 2019 7:27 am
Forum: Investing - Theory, News & General
Topic: Schwab Fixed Monthly Fee CFP Advice
Replies: 11
Views: 1164

Re: Schwab Fixed Monthly Fee CFP Advice

Fee based advisers is here to stay
paying AUM fees yearly is just silly
by elainet7
Mon Apr 08, 2019 6:42 pm
Forum: Personal Investments
Topic: Conversion to Roth
Replies: 24
Views: 1358

Re: Conversion to Roth

Swedroe told me to convert up to the 24% bracket