Search found 339 matches

by John Z
Tue Jan 15, 2019 2:08 pm
Forum: Investing - Theory, News & General
Topic: PG&E Bonds
Replies: 49
Views: 4894

Re: What to do with PG&E Bonds

If you plan to keep them, try to research how long large bankruptcies took to totally resolve in the US. We are talking years. I had about $100K invested in a NH company that went bankrupt, the largest case ever in NH. It took over a year, close to two, for the court just to identify and confirm all...
by John Z
Mon Jan 14, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: HO-6 Condo insurance - Coverage D "Loss of Use"
Replies: 6
Views: 514

Re: HO-6 Condo insurance - Coverage D "Loss of Use"

I cannot answer your questions but if it were me I'd call the new company and ask for a clarification/explanation of what the coverage is.
by John Z
Fri Jan 11, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 7
Views: 1107

Free Southwest Companion Pass for 2019

This has been posted under the long thread titled your credit card strategy so people may not see this. This is such a great deal that I think it should have its own thread: https://creditcards.chase.com/a1/southwest/PlusCP30AEP?CELL=6PLX&clk=2488062 You spend $4000 in 3 within 3 months and get 30,0...
by John Z
Wed Jan 09, 2019 4:18 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5237

Re: BHers, what is your Roth IRA %?

Retired 7 years and taking RMDs for 2 years. Roth 19%, IRA 74%, taxable 7%
by John Z
Thu Jan 03, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Leasing a car
Replies: 27
Views: 2708

Re: Leasing a car

After thinking about your post, here's my story. About a year before we planned to retire it was time for a new vehicle. Not knowing how our expenses would work out we wanted to soften the monthly auto payment so we leased for the first time. I used the same tactic as I use when buying a vehicle: I...
by John Z
Thu Jan 03, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Leasing a car
Replies: 27
Views: 2708

Re: Leasing a car

I'm extremely "auto lease uneducated" but the bottom line is this: Even though you can afford the payments of a certain lease, that is not the objective. Those prices you see are mainly based, among other things, on the sale price of the vehicle, which I'm guessing, is often the MSRP. Except in cert...
by John Z
Mon Dec 31, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Beach/water sports location between Orlando and Jacksonville?
Replies: 7
Views: 590

Re: Beach/water sports location between Orlando and Jacksonville?

In mid-April, FL east coast open water is still cool/cold and coupled with usual onshore winds, the day can become raw as compared to days at the attractions. With west winds the day can be warm. Intracoastal waters and rivers can provide a comfortable water sport day. If you are flexible try to pic...
by John Z
Fri Dec 28, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do Roth distributions affect MAGI?
Replies: 16
Views: 1479

Re: Do Roth distributions affect MAGI?

Almost everything you withdraw from a traditional IRA affects your income, so it affects your MAGI. The exception is after-tax IRA contributions. If 40 percent of your account is after-tax contributions, 40 percent of your withdrawal is tax-free and won't affect the MAGI. With a Roth, withdrawals of...
by John Z
Tue Dec 25, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Which fund to withdraw from?
Replies: 8
Views: 459

Re: Which fund to withdraw from?

Without knowing anything (your AA, your age, your need for withdrawal, etc.) I suggest you take from bonds. Reasons: Looking so short term isn't the best thing to do. Look at how much you have invested in bonds in the entire past and get a better "real" return. If you've been in bonds for several ye...
by John Z
Mon Dec 17, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Modifying McClung's Prime Harvesting guardrails
Replies: 4
Views: 457

Re: Modifying McClung's Prime Harvesting guardrails

Been using Prime Harvesting for 5 years but with the 110% level, checked and reviewed quarterly. I didn't want to "lose out" if stocks reached 118% or peaked at 120%+ during the quarter when I wasn't monitoring and then fell back down. I have been very happy with the results and now have enough bond...
by John Z
Wed Dec 12, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4440

Re: Why I use Roth for bond instead of stock. Please correct me...

Don't know what your time frames are but for the longer term, 10+ years: -Generally you want to put your highest potential earning securities in Roth so they can grow totally tax free over the years. -For safety and taxable, put your emergency funds in a money market/CDs/bank account. You won't pay ...
by John Z
Tue Dec 04, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 19
Views: 2567

Re: [Bond returns are currently negative. Why should I buy bonds now?]

I just checked November's Total Bond distribution and it yielded 2.95%, up from October's 2.88%. Check the distribution page to see how the income is now increasing.
https://investor.vanguard.com/mutual-fu ... ions/vbtlx
by John Z
Wed Nov 21, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Difference in hot water tank BTU's
Replies: 6
Views: 697

Re: Difference in hot water tank BTU's

Since no one has replied yet, I'll give you my totally amateur opinion. I think with all the variables for each installation (length of longest hot water run, what temp you set the hot water, how many showers/bath happen simultaneously or in series, length of showers, temp of cold water coming into ...
by John Z
Tue Nov 20, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5518

Re: How to Withdraw Money in Retirement, Following a Down Year

if you go to: http://livingoffyourmoney.com/ you can download the first 3 chapters of McClung's book for free. Chapter 3 is one of the best and is titled: Surveying and Selecting an Income Harvesting Strategy where he provides a dozen or so withdrawal strategies with backtested results and identifie...
by John Z
Mon Nov 19, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to create a portfolio I can manage myself
Replies: 10
Views: 1431

Re: Trying to create a portfolio I can manage myself

John, Thanks for your response. The portfolio I am considering is also pretty much the Coffehouse portfolio. I would like to understand why you feel it is complex. Where is the overlap? I am contemplating the suitability of starting at 60/40 and then gradually increasing the bond percentage every y...
by John Z
Sat Nov 17, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to create a portfolio I can manage myself
Replies: 10
Views: 1431

Re: Trying to create a portfolio I can manage myself

Yes, is complex and overlapping. Go here: https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/ where the White Coat Investor gives ample index portfolios to choose from. I have had the Coffeehouse portfolio for nearly a decade but since I'm retired I've modified it from the original 6...
by John Z
Sat Nov 17, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 246
Views: 25154

Re: What is your overall portfolio weighted expense ratio

Morningstar X-Ray has my total portfolio as .08%.
by John Z
Fri Nov 16, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: best way to find flights
Replies: 13
Views: 1992

Re: best way to find flights

Orbitz has a "my dates are flexible" box that you can check and the search results give you a matrix of flight and return dates along with the lowest fares. I believe you can search on business class.
by John Z
Fri Nov 16, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Starting Off- How Does This Look?
Replies: 6
Views: 683

Re: Starting Off- How Does This Look?

Do you know about https://www.whitecoatinvestor.com/
He's an ER doctor whose passion is finance/investing and helping other professionals avoid hungry financial advisers preying on potentially large incomes.
by John Z
Wed Nov 14, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 5158

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

Could be that I'm incorrectly calling the stock/bond approach a "bucket" strategy. What I'm trying to zero in on is what I've heard posters say about having enough of their nested in safe bonds or cash so that they can wait out a bear market in stocks without liquidating their stocks when they are ...
by John Z
Mon Nov 12, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: new car [pay cash?]
Replies: 15
Views: 1284

Re: new car [pay cash?]

denovo wrote:
Mon Nov 12, 2018 7:43 pm
kenoryan wrote:
Mon Nov 12, 2018 6:50 pm
I’ve bought my last 4 cars for cash. I think I get the best deal when I pay cash.
Dealers make money if a loan is acquired through a dealer. You won't get a better deal for paying cash.
+1
You can "finance" it and then pay it off after a month or two to get the best deal.
by John Z
Mon Nov 12, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1205

Re: Prepaying for Rental Car - Availability Guaranteed?

Once, many years ago in Las Vegas we arrived on Saturday early afternoon when there was a huge fight card that night and the line of people for rental cars was out the door. They offered a choice: wait for the next car being returned and cleaned, or they would drive you to your hotel and pick you up...
by John Z
Sat Nov 10, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Natural Disasters and Annuities
Replies: 3
Views: 549

Re: Natural Disasters and Annuities

The "4%, 5%, 6% return includes principal so real earnings are lower.
by John Z
Fri Nov 02, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA - Bonds or Equities
Replies: 13
Views: 1267

Re: ROTH IRA - Bonds or Equities

Yes, put the highest potential return equities in Roth since all profits are tax free. Wife and I have our Roths filled with VG Small Cap Growth Index and VG Small Cap Index.
by John Z
Wed Oct 17, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Draft IRS 1040 & schedules 1-6, & Sch A links
Replies: 3
Views: 694

Re: Draft IRS 1040 & schedules 1-6, & Sch A links

Thank you ladycat! Just in time as we want to estimate our taxes and how much to have withheld from our last RMD withdrawal and how much we can withdraw to stay in the lowest tax bracket.
by John Z
Tue Oct 16, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Does Lifestrategy make sense in Roth IRA's
Replies: 26
Views: 3357

Re: Does Lifestrategy make sense in Roth IRA's

As I age I am considering moving to a Lifestratey fund (for a number of reasons.) But currently almost all of our Equity is placed in our Roths and almost all of our bond funds are placed in Tax deferred. Does it make sense to consider moving to a Lifestratey fund with a 40/60 AA in my situation? S...
by John Z
Sun Sep 30, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Portfolio Suggestions
Replies: 7
Views: 893

Re: Early Retirement Portfolio Suggestions

Try this and you should find something that would work for you:

https://www.whitecoatinvestor.com/150-p ... han-yours/
by John Z
Sat Sep 29, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: What's the best method for immediately selling off my ESPP shares?
Replies: 25
Views: 2119

Re: What's the best method for immediately selling off my ESPP shares?

And also: absolute statements are always incorrect.


So is this statement incorrect? :D
by John Z
Tue Sep 25, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: Other Portfolios that aren't 3 fund
Replies: 55
Views: 6509

Re: Other Portfolios that aren't 3 fund

Bill Schultheis' 60/40 Coffeehouse Portfolio. Reason: It has a low volatility and had one of the best risk-adjusted returns and lowest drawdown % from about a dozen of the popular list of lazy portfolios starting from about 2004. Now 5 years into retirement am near my gradual allocation goal of 45/5...
by John Z
Thu Sep 13, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Going to the Everglade. A few questions please.
Replies: 22
Views: 1531

Re: Going to the Everglade. A few questions please.

Naples to Miami on I-75, Alligator Alley/Everglades Parkway is a toll road:

https://www.sixt.com/toll-roads/usa/flo ... tor-alley/
by John Z
Sat Aug 25, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 14303

Re: 2000-2018 retirement - sequence of returns

Yes, thank you for running these numbers. An eye-opener to me. This should open some eyes to consider a better bond allocation nearing retirement. I'm 6 years in and went from 75-25 going into retirement to about 45-55 now that I have won the game. You got lucky with 75-25 going into retirement. Yo...
by John Z
Fri Aug 24, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Mileage efficiency dropping after new tires- Subi
Replies: 7
Views: 574

Re: Mileage efficiency dropping after new tires- Subi

Funny you should mention/notice this. I have the same situation. Replaced OEM Continental tires with a better quality Conti tire (OEM not made any longer). OEM started with 9/32" and new tire has 11/32". Instantly noticed a smoother, quieter ride. Additional rubber absorbs bumps better and is quiete...
by John Z
Fri Aug 24, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 14303

Re: 2000-2018 retirement - sequence of returns

Yes, thank you for running these numbers. An eye-opener to me. This should open some eyes to consider a better bond allocation nearing retirement. I'm 6 years in and went from 75-25 going into retirement to about 45-55 now that I have won the game.
by John Z
Thu Aug 23, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA - has anyone thought of VPGDX?
Replies: 7
Views: 1055

Re: Inherited IRA - has anyone thought of VPGDX?

Please definitely correct me if I'm wrong, but let's say you put $100k into VPGDX . At the current $18.59/share, that's roughly 5379 shares The share payout is $.0591. Times 5379 = $317/mo times 12 = around $3800 per year which is roughly the $100k RMD at my age (47). Could this mean my Inherited IR...
by John Z
Fri Aug 17, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 38
Views: 3186

Re: Switch to auto lease after retirement?

I had to replace my 100,000+ car a year before I retired and considered the same idea as you, (first time) leasing would give me a known payment and allow me to retire and better know what my expenses would be. Well, after a 39 month lease, here's how I ended up: turned in car with 6,000 miles under...
by John Z
Sun Aug 12, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: RMD's: take distributions vs selling
Replies: 35
Views: 2724

Re: RMD's: take distributions vs selling

Now that I am in the RMD phase, is there any advantage to simply stopping reinvestments to accumulate cash for withdrawal vs selling a position at one time for withdrawal? Since you are in withdrawal mode you may want to examine a dozen or so withdrawal strategies presented by McClung in his book L...
by John Z
Tue Jul 17, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Valsartan - 3 Companies Recall Blood Pressure Medications Over Cancer Fears
Replies: 3
Views: 2057

Valsartan - 3 Companies Recall Blood Pressure Medications Over Cancer Fears

There are other links available, fyi: http://time.com/5340730/fda-recalls-valsartan-medicine/ Some drugs used to control high blood pressure and prevent heart failure were voluntarily recalled this past week due to an impurity that could possibly lead to cancer, the U.S. Food and Drug Administration...
by John Z
Fri Jul 13, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3813

Re: Like Lifestrategy Funds but???

Are there any issues in holding one lifestyle fund in retirement vs a three fund with regards to withdrawals and rebalancing? Yes, there are some issues but they could be small. Download for free and read the first three chapters of http://livingoffyourmoney.com/ where the author provides about a d...
by John Z
Wed Jul 11, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 6007

Re: [Considering the Vanguard LifeStrategy Fund]

Not to add complexity to your decisions but give this link a read. Basically, a well balanced portfolio with an asset allocation that meets your age and risk level will be fine as long as you stick with it.

https://www.whitecoatinvestor.com/150-p ... han-yours/
by John Z
Mon Jul 09, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning from bond funds as retirement approaches?...
Replies: 6
Views: 1048

Re: Transitioning from bond funds as retirement approaches?...

For retirement withdrawal plans, go to:

http://livingoffyourmoney.com/

and download the first 3 chapters free. Chapter 3 covers about a dozen withdrawal strategies and suggests the top 2 or 3 based on backtesting results.
by John Z
Tue Jun 19, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: What companies followed Vanguard to no-load???
Replies: 13
Views: 1224

Re: What companies followed Vanguard to no-load???

In the early 70s I bought a soft bound book entitled something like The No Load Investor by Sheldon Jacobs. The book was about an inch thick and listed numerous mutual funds and fund families that were no load. That launched my investing in no load funds. I couldn't see paying any company money to i...
by John Z
Sat Jun 02, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Reading Suggestions for Retirement Planning
Replies: 9
Views: 1249

Re: Reading Suggestions for Retirement Planning

Author McClung has written Living Off Your Money. You can examine the Table of Contents and download the first 3 chapters free at
http://livingoffyourmoney.com/
You can get the basics or dig down deep into chapters 4-11 for a nominal purchase price.
by John Z
Sat May 19, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: When I retire, what do I sell?
Replies: 11
Views: 2605

Re: When I retire, what do I sell?

If you want to do some reading and research about income harvesting during retirement, go to: http://livingoffyourmoney.com where author McClung offers the first 3 chapters of his book as a free download. Chapter 3 is one of the best for laying the groundwork and comparing 10 different withdrawal st...
by John Z
Fri May 18, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: vitamins and supplements
Replies: 11
Views: 1056

Re: vitamins and supplements

I use Puritan's Pride about once or twice a year when shipping is free. I take 1mg melatonin to aide in falling asleep. I take Glucosamine Chondroitin 1500mg/1200mg for an arthritic neck and minor knee pain. It works for me by completely taking away minor neck pain and reduces knee pain. Also take a...
by John Z
Sun May 13, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9935

Re: Bucket List Adventures/Activities

TBillT wrote:
Sun May 06, 2018 7:45 pm
I want to go up Washington Monument.
Seems like a cliche but it's been closed so much since the 2011 earthquake, I may have procrastinated too long.
I live close too.
Brings back my memory of walking up all 898 steps when you could in 1965 (and 18 years old). Free elevator ride down.
by John Z
Wed May 09, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: Boglehead Documentary
Replies: 4
Views: 976

Re: Boglehead Documentary

Now that Vanguard is managing trillions in assets I've often wondered about Ken Burns or or someone doing a two hour or two part series on how Mr. Bogle started Vanguard, his visions, his challenges and what Vanguard is today. It's unbelievable that a story like this isn't made more public and how m...
by John Z
Sun Apr 29, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Is McClung "slice and dice" worth the complication?
Replies: 42
Views: 3893

Re: Is McClung "slice and dice" worth the complication?

I have always been a slice/dice investor with index funds since logic told me that when investing and taking withdrawals I wanted the control to invest/withdraw what made the most sense (performance/profits/allocation), and wanted to be diversified also. I spent a lot of time evaluating lazy portfol...