Search found 212 matches

by Robin
Fri Oct 06, 2017 12:21 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 171
Views: 11767

Re: Dividends vs. Capital Gains for Spending Needs?

Simple, most folks simply can not handle watching their shares tank in value and then sell those now cheapened shares to fund living expenses, Aren't you supposed to be "dipping into" bonds when the equity market tanks? Except for all/high equity portfolios, I've never understood the concept of "se...
by Robin
Sat Jun 10, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2858

Re: Naming boat

Fiduciaries Rule
by Robin
Sun May 14, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Analysis
Replies: 18
Views: 2608

Re: Defined Benefit Pension Analysis

The benefit reduction from SLA to 100% J&S , i.e. 21% is more in line with what I would have expected compared to the 7-9% in one of the earlier posts ; I get almost equality on the PV's at 3% with a fairly current mortality table but the 3% looks too low for an actuarial equivalence rate but m...
by Robin
Sat May 13, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Analysis
Replies: 18
Views: 2608

Re: Defined Benefit Pension Analysis

2pedals: Thanks for the info. I ran the tool for SLA, 100J&S and 50% J&S and they are all more or less the same PV - I suppose that is a good indication. The PVs are significantly less than the price of an annuity.. Wondered if you would share the monthly amounts for those annuities , provi...
by Robin
Tue May 09, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Analysis
Replies: 18
Views: 2608

Re: Defined Benefit Pension Analysis

Interestingly, the 100% J&S quotes range from 7-9% lower than the SLA quotes. This could be because the pension is the same whether the worker is male or female. So if the pensioner is a man and the spouse is a woman, I would think there would but a slight advantage to taking survivor benefits,...
by Robin
Mon May 08, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Analysis
Replies: 18
Views: 2608

Re: Defined Benefit Pension Analysis

Recently I went through a similar study on my own DB pension. [Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits #Cruncher used a longevity estimator longevity estimator to help me determine the value of the DB options. In order to use the spreadsheet for your cas...
by Robin
Sun May 07, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Analysis
Replies: 18
Views: 2608

Re: Defined Benefit Pension Analysis

Am curious about the 7-9% , are you and the secondary annuitant between 40 and 50 ?? No, both will turn 65 in 2018. It was a quick check. I need to go back and get full set of quotes for all options and make sure they aren't different companies. Recently I went through a similar study on my own DB ...
by Robin
Sat May 06, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Qualified dividends or cd
Replies: 10
Views: 785

Re: Qualified dividends or cd

DBR your questions made pretty clear what my question is Thinking about it a little more,the stock would produce more income the next 5 years assuming dividend taxation remains the same,which it may not.What will cd rates be in 5 years?10 years?Long term the stock would leave more to our kids under...
by Robin
Sat May 06, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Analysis
Replies: 18
Views: 2608

Re: Defined Benefit Pension Analysis

Actuarial equivalence seems to be much less important than the financial security of the survivor the day after the pensioners death. Death does not always come in the form of old age but also due to unexpected medical conditions and car accidents. Retirement for my wife and I is a team sport and w...
by Robin
Sat May 06, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Analysis
Replies: 18
Views: 2608

Defined Benefit Pension Analysis

I will start a DB pension next year. Various options include Straight Life(me) and J&S (100%, 75% ..). In order to see if the SLA vs. J&S options are actuarial equivalent I was going to price the various income streams using the VG annuity quote tool. It asks whether the funds are sourced af...
by Robin
Mon Nov 07, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: Virtual Machines
Replies: 10
Views: 1512

Re: Virtual Machines

I have a dedicated VM for my email client. If I click on a link in an email that potentially causes problems, it is confined to the VM
by Robin
Sun Jul 20, 2014 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 28
Views: 4973

Re: Can I retire early?

In 2008-9 I was a bit of a deer in headlights. I did not sell, but also did not have the glee of those buying on discount. Perhaps 60/40 will smooth things out a bit. I'll ponder it. Certainly 50/50 by ten years into early retirement, if not sooner, makes sense. IMO you should think this through ca...
by Robin
Mon Jun 02, 2014 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Section 179- Gross Vehicle Weight 6000lbs
Replies: 15
Views: 9844

Re: Section 179- Gross Vehicle Weight 6000lbs

Does this mean that the economic value of the purchase rests solely on the timing of 179 vs. normal depreciation? Isn't 179 just a timing issue?
by Robin
Sun Apr 06, 2014 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 5817

Re: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?

The problem may be the mileage. Once you have a fun car and a boring car, you will always find a reason to use the fun car. I think your mileage split is unrealistic.
by Robin
Tue Mar 18, 2014 4:11 pm
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 8725

Re: How much do you make a year in Dividends?

jumpsalty wrote:$20k-25k in dividend income within the next few years and wanted to see what my total portfolio would need to look like to hit those numbers.

Probably $1 million ... maybe a bit more. 2% is about what you can expect.
by Robin
Sun Mar 09, 2014 1:49 pm
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 3168

Re: New York TImes/WSJ

Hi, thanks - can I ask how you view for free? after a few articles, they block me until I pay. The same way you would get a free steak from the supermarket -- you walk out with it while they aren't looking. Your allowed a certain number of free articles. Thanks for calling me a thief. Nice. I didn'...
by Robin
Sun Mar 09, 2014 8:44 am
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 3168

Re: New York TImes/WSJ

Barefootgirl wrote:Hi, thanks - can I ask how you view for free? after a few articles, they block me until I pay.


The same way you would get a free steak from the supermarket -- you walk out with it while they aren't looking.
by Robin
Tue Jan 14, 2014 5:09 pm
Forum: Investing - Theory, News & General
Topic: Bond funds are not riskier than bond ladders
Replies: 120
Views: 8677

Re: Bond funds are not riskier than bond ladders

billyt wrote:The only thing holding a bond to maturity does is to diminish your returns. Why would you hold a treasury for the last 2 years earning about 0.4% when you could earn 1% in a savings account?

Yes, unless you are holding large amounts you would be better off liquidating.
by Robin
Tue Jan 14, 2014 4:39 pm
Forum: Investing - Theory, News & General
Topic: Bond funds are not riskier than bond ladders
Replies: 120
Views: 8677

Re: Bond funds are not riskier than bond ladders

If you are rebalancing from FI to equites like many of us did in '08 would you consider it a need to sell. If you rebalance $x it doesn't matter if it is a maturing issue or another issue -- it is $x. To maintain the structure of the ladder, you are back into the market to buy something. As I said,...
by Robin
Mon Jan 13, 2014 9:13 pm
Forum: Investing - Theory, News & General
Topic: Bond funds are not riskier than bond ladders
Replies: 120
Views: 8677

Re: Bond funds are not riskier than bond ladders

When looked at in this manner a ladder is less risky than a fund since I never have to sell below "par" in bad years. Seems to me that if you don't have to sell (withdraw) from your portfolio, either a fund or ladder will do. I the case of the ladder, you avoid the ER. Otherwise, I don't ...
by Robin
Mon Jan 13, 2014 4:14 pm
Forum: Investing - Theory, News & General
Topic: Bond funds are not riskier than bond ladders
Replies: 120
Views: 8677

Re: Bond funds are not riskier than bond ladders

When looked at in this manner a ladder is less risky than a fund since I never have to sell below "par" in bad years. Seems to me that if you don't have to sell (withdraw) from your portfolio, either a fund or ladder will do. I the case of the ladder, you avoid the ER. Otherwise, I don't ...
by Robin
Mon Nov 18, 2013 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you feel about paperless statements?
Replies: 101
Views: 8020

Re: How do you feel about paperless statements?

I want family to be able to go in and move cash before the accounts are frozen when I kick off. I'm not sure but I think there could be serious legal problems if they do. Yes, a few years ago a coworker of mine told me about her woes. She had been named personal rep for an aunt. She transferred fun...
by Robin
Tue Oct 29, 2013 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Can We retire now ?
Replies: 24
Views: 4634

Re: Can We retire now ?

anyone else willing to take the time to review my portfolio and offer advice please. I spent hours organizing all of the information as the channel guidelines suggested in hopes of having some thorough well thought out responses. I appreciate any time you can spare as this is a very very big decisi...
by Robin
Sat Oct 05, 2013 4:57 pm
Forum: Personal Consumer Issues
Topic: mind machine anyone ?
Replies: 7
Views: 790

Re: mind machine anyone ?

I had a sleep problem for a while. I made the following adjustments. Exercise every day, not just some days. Even if it is only a quick 2-3 mile walk. Light meals in evening. Avoid "screen" activities in the evening (TV, computer) - the light from LED screens seems to have an effect. I try...
by Robin
Mon Sep 16, 2013 7:33 am
Forum: Personal Consumer Issues
Topic: Google Contact List creeping towards google + integration
Replies: 75
Views: 7116

Re: Google Contact List creeping towards google + integrati

I use (free) thunderbird for email. It pulls email down to my pc from my email account with my ISP. [...] leaves you just as open to a legal subpoena from your ISPs email server as you would be with Google/Yahoo/Microsoft/Apple. I'm aware of that. I was saying that I think thunderbird is a better w...
by Robin
Sat Jun 29, 2013 1:16 pm
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 40306

Re: Do I really need a Smartphone?

VictoriaF wrote:
protagonist wrote:Another consideration, they added, was the fact that users of marijuana tend not to go out as much.

They weed them out,

Victoria

It is hard to drive with a half-dozen Twinkies in one hand and a one pound bag of M&Ms in the other.
by Robin
Sat Jun 29, 2013 1:12 pm
Forum: Personal Consumer Issues
Topic: Retractable awnings
Replies: 3
Views: 741

Re: Retractable awnings

You might also look at Eclipse.
by Robin
Tue Apr 02, 2013 2:07 pm
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 40306

Re: Do I really need a Smartphone?

LH wrote:If you get along fine without a smartphone, you do not need it.


If you ever try a smartphone, you cannot live without it from then on : )

I gave mine up when I turned in my Blackberry at work. Glad to be rid of it.
by Robin
Tue Apr 02, 2013 2:06 pm
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 439
Views: 53914

Re: Why do investors chase dividend paying strategies

This diagram should clear things up. Two stocks, A and B. A pays no dividend. B pays 100% of earnings as dividend. Assume P/B = 1. Both stock A and B start with book value and market value of $10. After $1 of earnings, A has book value of $11. After $1 earnings and paying %1 dividend B still has $1...
by Robin
Sun Mar 31, 2013 1:41 pm
Forum: Investing - Theory, News & General
Topic: systemic dangers -- issues re personal investing
Replies: 42
Views: 3690

Re: systemic dangers -- issues re personal investing

Hopefully without being too far off topic, there's another consideration: How long does it take to get at the money in a MMF as opposed to an FDIC checking account? That's why I stopped using the Vanguard MMF. I'm talking about electronic transfers that are free (no cost) at both ends. Keith Anothe...
by Robin
Wed Jan 09, 2013 8:42 am
Forum: Personal Consumer Issues
Topic: Newspaper 7 days a week to 3 days a week.
Replies: 40
Views: 3106

Re: Newspaper 7 days a week to 3 days a week.

rocket wrote: NY Times is too detailed.


Consider just getting a Twitter account and create a list that is composed of the major news feeds. You will get the news condensed to 140 characters per story. .
by Robin
Sun Dec 30, 2012 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Account in Your Name?
Replies: 11
Views: 1458

Re: Account in Your Name?

I've not heard this before. Could it be that some account protections are different for accounts that are people versus entities? Just a wild guess.
by Robin
Sun Dec 30, 2012 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Where to Keep Medium Term Savings
Replies: 28
Views: 4705

Re: Where to Keep Medium Term Savings

"What the distribution yield is good for is telling you how much (monthly) income you can expect over the next few time periods without selling your shares" That is what I use Dist.Yield for. At 84 age I am not interested what it is going to be 5 to 10 years from now, I may not be here. I...
by Robin
Thu Sep 27, 2012 10:47 am
Forum: Personal Consumer Issues
Topic: How to reduce cable bill
Replies: 23
Views: 2108

Re: How to reduce cable bill

My health club has Fox News and MSNBC running continuously with closed captions. I usually watch these for 15 minutes or so while exercising three days a week. When I'm not there, I can just replay these segments in my mind. It's free.
by Robin
Fri Sep 14, 2012 4:57 pm
Forum: Personal Consumer Issues
Topic: Did Your Portfolio Close at an All-Time High Today?
Replies: 49
Views: 4064

Re: Did Your Portfolio Close at an All-Time High Today?

My all-time high was in the 70s. I doubt I can come close even today.
by Robin
Mon Sep 03, 2012 6:48 am
Forum: Personal Finance (Not Investing)
Topic: WSJ article on End-of-Year tax law changes
Replies: 36
Views: 3520

Re: WSJ article on End-of-Year tax law changes

I wonder how many people even know they could possibly pay a little more Social security tax next year effecting take home pay.To many Americans this will effect there budget (not posters here)I just see so many people live check to check and just think to myself its just uneeded stress.I work in l...
by Robin
Mon Sep 03, 2012 6:35 am
Forum: Forum Issues and Administration
Topic: hijacker (PWM) - READ THIS
Replies: 130
Views: 13145

Re: hijacker (PWM) - READ THIS

Yes, I'm in.
by Robin
Sat Aug 18, 2012 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Experiences Moving From High to Low Cost State?
Replies: 72
Views: 19487

Re: Experiences Moving From High to Low Cost State?

I have lived in 10 states and 3 countries. Here are some unscientific observations. First, there are often reasons why the costs are higher that significantly impact quality of life. Whether the difference is worth it to you, is personal. Second, our satisfaction with each place was not well correla...
by Robin
Wed Aug 15, 2012 4:33 pm
Forum: Investing - Theory, News & General
Topic: how often do you check your portfolio?
Replies: 94
Views: 9133

Re: how often do you check your portfolio?

I look several times per week in up markets, since I enjoy seeing value of my investments to go up and my web aggregator makes it very easy to check the entire net worth (takes 5 mins at most), but I stop looking in down markets, sometimes for months at a time. Accumulators should look more frequen...
by Robin
Fri Apr 20, 2012 8:35 am
Forum: Personal Finance (Not Investing)
Topic: IRS Audit Letter Received - What if out of the country?
Replies: 16
Views: 3278

Re: IRS Audit Letter Received - What if out of the country?

Yes I did. And, yes I put them all as unreimbursed medical expenses. The IRS claimed that I did not report income that was taxable. I have no idea why. Having an HSA likely just increases your risk of audit. Took hours to copy documentation that I will be faxing. Plus, when they "find" on...
by Robin
Sat Mar 03, 2012 4:07 pm
Forum: Investing - Theory, News & General
Topic: Distribution Yield versus SEC Yield
Replies: 28
Views: 1867

Re: Distribution Yield versus SEC Yield

For me, the only significance of any yield figure is how it compares to other alternative. Historical yields aren't much use. I bought a bunch of TIPS at 3+% but that rate doesn't matter much now. The only rate that matters now is the YTM now available and how that compares to my next best alternati...
by Robin
Tue Jan 31, 2012 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Share Your Money-Saving "Secrets" Here
Replies: 110
Views: 11397

Re: Share Your Money-Saving "Secrets" Here

Do you own taxes. Not so much for what you save on fees but to understand where that tax bill comes from. Probably the biggest or second biggest expense for most.
by Robin
Tue Jan 03, 2012 5:46 pm
Forum: Investing - Theory, News & General
Topic: credit, debit, or cash?
Replies: 54
Views: 3379

Re: credit, debit, or cash?

Mostly credit card. I don't like to carry a lot of cash. Our spending tends to be uneven and I don't want to have to think "do I have enough cash in my wallet?" every time I go somewhere. If it is small (< $5) I'll probably pull out cash. We do two local restaurants that only accept cash. ...
by Robin
Wed Dec 28, 2011 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: End of Year Calculations?
Replies: 12
Views: 1160

Re: End of Year Calculations?

Q4 estimated tax
by Robin
Wed Sep 28, 2011 7:09 am
Forum: Personal Consumer Issues
Topic: USPS Hold/Forward mail question
Replies: 27
Views: 27068

Most of us at the post office have a little bit of Newman in us. I think you can see it in my long winded and convoluted reply above. But forwarding, like many things about the mail, is incredibly conplicated. That's why UPS and FedEx won't do it without hefty fees--- that's how they discourage it....
by Robin
Tue Sep 27, 2011 7:23 am
Forum: Personal Consumer Issues
Topic: USPS Hold/Forward mail question
Replies: 27
Views: 27068

One of the benefits of living in a small town is that all you have to do is tell "Jerry" the postmaster what you want and he'll do just about anything. He knows we don't like daily delivery so he saves up all the mail and sends it out once a week. Nothing important ever comes by mail anym...
by Robin
Tue Sep 27, 2011 12:44 am
Forum: Personal Finance (Not Investing)
Topic: A Case for "Online Banking Only"
Replies: 58
Views: 7253

It hasn't paid to have cash sit in rewards checking at 3-4% per year over the last three years when bonds have returned 7-8% per year.
by Robin
Tue Sep 27, 2011 12:35 am
Forum: Personal Consumer Issues
Topic: USPS Hold/Forward mail question
Replies: 27
Views: 27068

One of the benefits of living in a small town is that all you have to do is tell "Jerry" the postmaster what you want and he'll do just about anything. He knows we don't like daily delivery so he saves up all the mail and sends it out once a week. Nothing important ever comes by mail anymo...