Search found 422 matches

by John Z
Mon Aug 03, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 57
Views: 3140

Re: Move to NE Ohio?

I lived my first 20 years in Lakewood, then married and moved to New England but visited family and friends for another 30 years a couple of times per year. Lived about 10 blocks west of Cleveland and 4 blocks from the lake. Much has changed over the years so I cannot be very specific but can offer ...
by John Z
Thu Jul 30, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Anyone study math, physics or science for fun?
Replies: 47
Views: 3086

Re: Anyone study math, physics or science for fun?

I really enjoyed Brian Greene's books. https://www.amazon.com/Brian-Greene/e/B001H6INP0%3Fref=dbs_a_mng_rwt_scns_share +1 as he writes with a very easy to understand style. But he is (or was) heavy into String Theory ("the theory of everything" or what supposedly solves the conflict between Eisntei...
by John Z
Mon Jul 27, 2020 2:55 pm
Forum: Personal Investments
Topic: Are Higher Stock Allocations the Only Option for Retirees?
Replies: 94
Views: 6443

Re: Are Higher Stock Allocations the Only Option for Retirees?

It's difficult for me to understand the fear in bonds. For example: Vanguards' Long-Term Treasury (VUSTX) fund is up YTD, 25.63%. 5 years, it's up 9.16%. And, since its inception in 1986 (that's 34 years) it's up 8.05%. Maybe it's me who's missing something. I mean, why wouldn't you want this fund ...
by John Z
Mon Jul 27, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a property in central Florida a good idea or not
Replies: 49
Views: 4226

Re: Buying a property in central Florida a good idea or not

Some thoughts from a 10 year snowbird from NH wintering in the Daytona area and having observed Florida's growth in several areas. Yes, we like FL but not in the summer. You are looking to retire in 10 years. You want to retire as worry free as possible, and you want to glide into retirement with no...
by John Z
Wed Jul 22, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade?
Replies: 37
Views: 2834

Re: iPhone upgrade?

I bought an ATT iphone se 2020 64GB (to replace my 5c) through Walmart website a couple of months ago for $199 at 6.63 per month for 30 months, no interest. The original sale announced in April was due to run until Jul 17th but I just went to the Walmart link and found, apparently, that you might st...
by John Z
Thu Jul 16, 2020 3:49 pm
Forum: Personal Investments
Topic: Just invested in VTSAX. Why not FBGRX instead?
Replies: 11
Views: 756

Re: Just invested in VTSAX. Why not FBGRX instead?

I don't think you'll get clobbered but get many comments since you recognize what you need to do to meet your retirement goals. Just a couple of comments from me: Recommend you put your highest risk/reward assets in Roth so they can grow totally tax free so would not recommend a bond fund in Roth. B...
by John Z
Wed Jul 08, 2020 3:47 pm
Forum: Personal Investments
Topic: Request comments on Lump Sum vs. Annnuity decision
Replies: 12
Views: 758

Re: Request comments on Lump Sum vs. Annnuity decision

Again, only one opinion. Wife chose lump sum for her pension nearly 10 years ago. Annuity had a payout around 7-8%, don't recall, but a decent payout so a tough decision. She rolled it all into Wellesley and after the nearly 10 years the fund has averaged 7.8% and she still has the lump sum amount a...
by John Z
Sat Jun 27, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: Snow bird
Replies: 12
Views: 1248

Re: Snow bird

Maybe I can help you narrow it down. Northern East Coast north of Melbourne has cool winters with warmth starting in April. Fairly constant northeast winds can be brutal right along the coast. Prices are lower here. South of Melbourne winters are much more mild to warm but pricing and population den...
by John Z
Wed Jun 24, 2020 2:28 pm
Forum: Personal Investments
Topic: Optimal withdrawal strategy??
Replies: 14
Views: 1669

Re: Optimal withdrawal strategy??

I have the hard cover book. Many of the backtesting charts covering 30 years or so have very small cells difficult to read so I don't know how readable they would be. I don't know how much magnification, if any, is available on readers.
by John Z
Tue Jun 23, 2020 7:51 am
Forum: Personal Investments
Topic: Optimal withdrawal strategy??
Replies: 14
Views: 1669

Re: Optimal withdrawal strategy??

Have you seen the work and book by McClung entitled Living Off Your Money ? Go to http://livingoffyourmoney.com where you can download the TofC and the first 3 chapters with chapter 3 being one of the better chapters to explain withdrawal concepts and examines about a dozen strategies with 30 years ...
by John Z
Mon May 11, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Coffee-grounds/beans/leftover - uses in garden besides compost
Replies: 10
Views: 1452

Re: Coffee-grounds/beans/leftover - uses in garden besides compost

Not an expert here but have read many articles over the last 5 years looking for easy ways to provide my large Canary Island Date Palm tree with the trace elements and nutrients it needs over and above those contained in off the shelf palm fertilizers you buy. Used coffee grounds can provide some ad...
by John Z
Wed Apr 29, 2020 7:23 pm
Forum: Personal Consumer Issues
Topic: Lakeland, FLA as a retirement destination?
Replies: 8
Views: 1350

Re: Lakeland, FLA as a retirement destination?

I winter in FL in the Daytona area convenient to beaches. Have passed through and around Lakeland numerous times (got a great deal there on a new vehicle several years ago). As mentioned the location is convenient to larger cities and airports but yet has the mid-sized town feel. My only comment wou...
by John Z
Tue Apr 21, 2020 7:19 am
Forum: Investing - Theory, News & General
Topic: A downside to target retirement funds?
Replies: 47
Views: 5341

Re: A downside to target retirement funds?

I have a theory that there’s a benefit to having stocks and bonds in separate funds as opposed to lumping them all together in a target retirement fund. I’d appreciate the forum’s thoughts on this issue. The short version/general concept is: doesn’t selling shares in a target retirement fund force ...
by John Z
Wed Apr 08, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Best way to keep small birds out of gutter
Replies: 19
Views: 1109

Re: Best way to keep small birds out of gutter

Check for any sags in the gutter where leftover rain water would collect. They could be using the gutter as a bird bath and/or drinking water source. Happens in our condo complex, over the years ice sliding off the roof has caused the gutter to sag from the added weight.
by John Z
Thu Mar 12, 2020 4:33 pm
Forum: Investing - Theory, News & General
Topic: It's not even "The End of The beginning"
Replies: 37
Views: 5200

Re: It's not even "The End of The beginning"

As a past cabinet member once said and one of my favs: There are things we know that we know. There are known unknowns. That is to say there are things that we now know we don't know. But there are also unknown unknowns. There are things we do not know we don't know.
by John Z
Thu Mar 12, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 3590

Re: Fly or Drive to FL?

Yes, FL traffic on the west coast during winter is very brutal compared to the Daytona area so I understand your wanting to fly down. Good luck and good trip.
by John Z
Thu Mar 12, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 3590

Re: Fly or Drive to FL?

My 2 cents and observations since we are from NH snowbirding near Daytona and driving back north in May. I look at Google traffic several times a day and have noticed that it has been generally a bit lighter during rush and nothing to speak of post-rush in the last couple of weeks so I would not wor...
by John Z
Thu Feb 20, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: Florida sales tax penalty for filing late with no tax due.
Replies: 3
Views: 543

Re: Florida sales tax penalty for filing late with no tax due.

I thought the IRS shares tax info with states that have state taxes or other tax obligations so not filing a state tax return would be discovered.
by John Z
Sun Feb 16, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: A Boglehead's Edward Jones Question
Replies: 46
Views: 4462

Re: A Boglehead's Edward Jones Question

Excellent link, thank you. I've seen it before but now I will bookmark it for future EJ discussions.
by John Z
Sun Feb 16, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Microsoft Office free online version
Replies: 14
Views: 1754

Re: Microsoft Office free online version

Not exactly sure what you mean. It has Office loaded on it but if you start using it you'll be paying by the month. The "free" version allows you to originate an Office file but I couldn't see how to import my existing Office files. It doesn't reside on your computer, it's an online version. You can...
by John Z
Sun Feb 09, 2020 7:26 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead's Edward Jones Question
Replies: 46
Views: 4462

Re: A Boglehead's Edward Jones Question

It's been a while since I've seen this link posted and forgot that I had it. Read it and pass it on to your friend.

http://kronstantinople.blogspot.com/p/e ... -saga.html
by John Z
Fri Jan 24, 2020 3:00 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27490

Re: Sad news: LadyGeek's husband has passed

Very sorry for your loss. And thank you for all your efforts and contributions to this board to keep it professional and on track.
by John Z
Sun Jan 12, 2020 1:25 pm
Forum: Investing - Theory, News & General
Topic: Free smart withdrawal tools?
Replies: 10
Views: 988

Re: Free smart withdrawal tools?

Try this article:

https://www.kitces.com/blog/tax-efficie ... ing-needs/

Pretty informative with graphs.
by John Z
Sat Jan 11, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Latest updates driving from New Hampshire to Clearwater
Replies: 39
Views: 3307

Re: Latest updates driving from New Hampshire to Clearwater

chipperd wrote:
Mon Jan 06, 2020 6:15 am
I typically plug trips into google maps on the same day of the week, a few times, a few weeks in advance, as traffic tends to have patterns.
Yes, I do the same both for the "patterns" but also to see where road multi-day or multi-week construction is as that can be a real time killer.
by John Z
Tue Jan 07, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Latest updates driving from New Hampshire to Clearwater
Replies: 39
Views: 3307

Re: Latest updates driving from New Hampshire to Clearwater

US Route 301 in Florida is used by many going from east to west/west to east coast on a southerly/northerly course and over the years local police have had a field day with issuing speeding tickets going through urban areas with lower speed limits. So use caution and pay attention to speed limit sig...
by John Z
Sat Jan 04, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: Latest updates driving from New Hampshire to Clearwater
Replies: 39
Views: 3307

Re: Latest updates driving from New Hampshire to Clearwater

FireHorse wrote:
Sat Jan 04, 2020 5:35 pm
John Z wrote:
Fri Jan 03, 2020 9:37 am

CT Parkway to I-287/Tappan Zee (now the nice new Mario Cuomo Bridge).
What happened to Tappan Zee bridge? is it being renamed as Cuomo bridge?
http://www.westchestermagazine.com/Gov- ... tats-Cost/
by John Z
Sat Jan 04, 2020 6:10 pm
Forum: Personal Consumer Issues
Topic: Latest updates driving from New Hampshire to Clearwater
Replies: 39
Views: 3307

Re: Latest updates driving from New Hampshire to Clearwater

BINGO YOUR A WINNER. Been doing this the last few years. Won't go any other way. Right at the junction of 17 and 95 is a great Holiday inn express with great restaurant right next door. You can be on 95 in 5 minutes. Try to get down to richmond as early in am as possible to avoid traffic (everyday ...
by John Z
Sat Jan 04, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Latest updates driving from New Hampshire to Clearwater
Replies: 39
Views: 3307

Re: Latest updates driving from New Hampshire to Clearwater

BINGO YOUR A WINNER. Been doing this the last few years. Won't go any other way. Right at the junction of 17 and 95 is a great Holiday inn express with great restaurant right next door. You can be on 95 in 5 minutes. Try to get down to richmond as early in am as possible to avoid traffic (everyday f...
by John Z
Sat Jan 04, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Latest updates driving from New Hampshire to Clearwater
Replies: 39
Views: 3307

Re: Latest updates driving from New Hampshire to Clearwater

Not necessary as one EZ Pass account covers all the northeastern and midwestern states. EZ Pass web page has a map of all roads and bridges EZ Pass compatible You do get a slight discount if a NY EZ Pass account using the Cuomo bridge and probably similar slight discounts using tolls in the state yo...
by John Z
Fri Jan 03, 2020 9:37 am
Forum: Personal Consumer Issues
Topic: Latest updates driving from New Hampshire to Clearwater
Replies: 39
Views: 3307

Re: Latest updates driving from New Hampshire to Clearwater

Wife and I have been doing the NH to Daytona and return drive twice a year since May 2012 (Jan-May and Oct-Nov). Yes, the DC area is the worst so we avoid it when we can as is the NJ Turnpike at certain times. And we use WAZE to keep informed of major accidents with detours given. Going down to FL i...
by John Z
Thu Jan 02, 2020 7:49 am
Forum: Personal Finance (Not Investing)
Topic: [How do I get out of a Time share?]
Replies: 3
Views: 694

Re: [How do I get out of a Time share?]

I know very little about timeshares but have seen this site referenced for buying, selling, discussions:

Time Share User Group

https://tug2.net/
by John Z
Mon Dec 30, 2019 5:26 pm
Forum: Personal Investments
Topic: Tools for withdrawals
Replies: 3
Views: 471

Re: Tools for withdrawals

Been retired for 7 years so have lost many of my links on this subject but there is one that I remember well: https://www.kitces.com/blog/tax-efficient-retirement-withdrawal-strategies-to-fund-retirement-spending-needs/ Has nice visuals of what is being discussed. SS is another matter since at what ...
by John Z
Mon Dec 16, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: Morningstar-2019 -"The biggest story has to be the death of Jack Bogle at the age of 89 in January."
Replies: 1
Views: 358

Re: Morningstar-2019 -"The biggest story has to be the death of Jack Bogle at the age of 89 in January."

Thanks for this. I always felt that he should have been nominated for the Nobel prize in economics, but what do I know. BTW, further down your article is another great story: "Passive Beats Active The other mega-trend going on in the fund world is the move to passive from active. Through November 20...
by John Z
Sun Dec 01, 2019 7:52 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Vs Butterfly Fund or other
Replies: 153
Views: 11522

Re: Three Fund Vs Butterfly Fund or other

OP,

Thought someone by now would have referenced you to:

https://www.whitecoatinvestor.com/150-p ... han-yours/

which gives a great universe of mostly index funds proposed by the White Coat Investor who posted earlier but didn't include his great list.
by John Z
Thu Nov 21, 2019 4:07 pm
Forum: Investing - Theory, News & General
Topic: Morningstar X-Ray?
Replies: 13
Views: 3314

Re: Morningstar X-Ray?

I used it a couple of months ago via this website link:

https://www.tdameritrade.com/education/ ... -xray.page

Hope it still works.
by John Z
Thu Oct 17, 2019 2:46 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones presentation at the senior center
Replies: 44
Views: 7133

Re: Edward Jones presentation at the senior center

Us snowbirds arrived at our FL retirement community a week ago. Got the October newsletter and for the first time in the 6 years we've been here there is a guest speaker presenting: "Outsmart the Scammers!". Presented by Edward Jones Financial Advisor.
by John Z
Thu Oct 17, 2019 2:17 pm
Forum: Investing - Theory, News & General
Topic: Bond Investor's Dilemma
Replies: 12
Views: 1651

Re: Bond Investor's Dilemma

Retired and will do nothing with my Total Bond except withdraw RMDs.
by John Z
Sat Oct 12, 2019 7:34 pm
Forum: Personal Investments
Topic: Withdrawal Plan. McClung or Allocation Bands?
Replies: 47
Views: 3938

Re: Withdrawal Plan. McClung or Allocation Bands?

I've been using McClung's Prime Harvesting method since his book was published, with these parameters: I went into retirement nearly 8 years ago with a slightly modified Coffeehouse Portfolio (60/40) that has 6 index stock funds and a total bond fund so it was easy to adapt my withdrawal strategy to...
by John Z
Mon Oct 07, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 4091

Re: 2010 Prius totaled.... Now what?

If the battery is fairly new it is worth a good percentage of the vehicle price.
by John Z
Wed Sep 25, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Brown & Brown Insurance Dropping Travelers Insurance?
Replies: 3
Views: 308

Re: Brown & Brown Insurance Dropping Travelers Insurance?

Sorry, thought it was a well known insurance name. "Brown & Brown, Inc. is the sixth largest independent insurance brokerage in the nation."
by John Z
Wed Sep 25, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Brown & Brown Insurance Dropping Travelers Insurance?
Replies: 3
Views: 308

Brown & Brown Insurance Dropping Travelers Insurance?

Anyone know the reason(s)? Rec'd a letter saying they would be recommending an alternative.
by John Z
Sun Aug 25, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Washer/dryers at Costco - are Labor Day prices live?
Replies: 14
Views: 1723

Re: Washer/dryers at Costco - are Labor Day prices live?

Anyone who told you that Costco has special prices for just Labor Day weekend is mistaken to my knowledge. As a Costco customer, you get 30 day price protection on everything, BUT you are responsible for coming back and finding the lower price. Using your Costco Visa makes the warranty 4 years. Tha...
by John Z
Sun Aug 25, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Washer/dryers at Costco - are Labor Day prices live?
Replies: 14
Views: 1723

Re: Washer/dryers at Costco - are Labor Day prices live?

Anyone who told you that Costco has special prices for just Labor Day weekend is mistaken to my knowledge. As a Costco customer, you get 30 day price protection on everything, BUT you are responsible for coming back and finding the lower price. Using your Costco Visa makes the warranty 4 years. Tha...
by John Z
Thu Aug 22, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: National Gypsum EXP Shaftliner between condo units
Replies: 10
Views: 579

Re: National Gypsum EXP Shaftliner between condo units

For about 15 years we had a 3 floor town home end unit that had a 4-5" thick cement firewall between units with that product on both sides of the wall. You'd think that would have been enough to kill any sound and it worked fine for normal neighbors. But after 12 years new neighbors moved in and and...
by John Z
Sun Aug 04, 2019 11:57 am
Forum: Investing - Theory, News & General
Topic: When taking RMD, better when market "high" or "low"
Replies: 28
Views: 2674

Re: When taking RMD, better when market "high" or "low"

Your second question first: From what I remember reading in the spring, it doesn't really matter that much in the long run whether you start RMDs at 70.5 or 72. If you are retired and need the money you will still withdraw. If you don't need the money you can reinvest it. Been retired since 2012 so ...
by John Z
Sat Jul 27, 2019 4:44 pm
Forum: Personal Investments
Topic: Do You Slice & Dice in Distribution Stage?
Replies: 9
Views: 640

Re: Do You Slice & Dice in Distribution Stage?

Yes. Retired in 2012. Started learning about lazy portfolios around 2000 and constructed our portfolios with the Coffeehouse method (60/40) popularized by financial advisor Bill Schultheis who wrote a book about his research. As we approached retirement searched for a withdrawal method and strategy ...
by John Z
Tue Jul 23, 2019 6:58 am
Forum: Personal Investments
Topic: Withdraw Methods
Replies: 8
Views: 1480

Re: Withdraw Methods

McClung in his Living Off Your Money book dedicates free download Chapter 3 to this topic: (page numbers are in Chapter 3 located here: http://livingoffyourmoney.com/ Surveying and Selecting an Income-Harvesting Strategy . . . . . . . . . . . . . 39 The Backtesting Details. . . . . . . . . . . . . ....
by John Z
Sun Jul 21, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Withdrawal Method
Replies: 27
Views: 2119

Re: RMD Withdrawl Method

So we know that in terms of putting a lump sum into investments, the best option (from a returns perspective) is to go all-in at once rather than over a period of time. Has any study ever been done regarding the best withdrawal method? McClung in his Living Off Your Money book dedicates free downlo...