Search found 371 matches

by John Z
Sun Jul 14, 2019 6:40 pm
Forum: Personal Investments
Topic: Passive vs active for parent's retirement
Replies: 19
Views: 1019

Re: Passive vs active for parent's retirement

You requested literature, right? This is the only piece of information you and your parents need to read about active vs. passive: The SPIVA® U.S. Scorecard: https://www.spglobal.com/_assets/documents/corporate/us-spiva-report-11-march-2019.pdf What is SPIVA? S&P Indices Versus Active [Management} "...
by John Z
Sun Jul 14, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 78
Views: 4290

Re: Anyone buy the Nissan Rogue over the Honda CRV???

One month ago wife purchased 2019 Rogue SL with tech package. Had to pry her from a 15 year old Altima with 100+K miles and no failures except for normal maintenance items. She had a specific list of mostly safety features she wanted and no vehicle had everything she was looking for. She did not wan...
by John Z
Sun Jun 30, 2019 5:19 am
Forum: Investing - Theory, News & General
Topic: 80% of the stock market is now on autopilot
Replies: 17
Views: 3737

80% of the stock market is now on autopilot

From CNBC, pretty amazing numbers: https://www.cnbc.com/2019/06/28/80percent-of-the-stock-market-is-now-on-autopilot.html Passive investments control about 60% of the equity assets, while quantitative funds -- those relying on trend-following models instead of fundamental research -- now account for...
by John Z
Thu Jun 27, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Hot water heater on pilot light
Replies: 21
Views: 1651

Re: Hot water heater on pilot light

Have had the same experience with new A. O. Smith natural gas water heater installed in winter FL home a few years ago. First season when we left in May turned it to Pilot. When returned in October water was scalding hot. Rather than bother with the plumber now I turn the pilot off when we leave and...
by John Z
Wed Jun 26, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Buying a car out of state
Replies: 33
Views: 1804

Re: Buying a car out of state

FL has a sales tax and NH doesn't. I had to sign an exemption and send FL a copy of the NH registration when I got it done in NH so I didn't have to pay any tax.
by John Z
Wed Jun 26, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Buying a car out of state
Replies: 33
Views: 1804

Re: Buying a car out of state

Ask them if they'd deliver to your door. As a NH resident I've purchased a FL vehicle but I was already in FL and they gave me a 30 day temp plate to get it to NH to register. In talking with the dealer they said they deliver to out of state but within a reasonable distance. Don't know what the dist...
by John Z
Tue May 21, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 5838

Re: Relocate to Charleston SC?

Agree with most of the comments above but to offer an alternative if you are going to relocate. You chose SC because the cost of living is lower than many states as is FL. You could consider living outside and south of Charlotte NC in an area just across the border in SC. Rock Hill, SC is a lovely c...
by John Z
Sat May 11, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158572

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Which make and model of vehicle did you buy or are buying then?

Considering Toyota Rav4 or Corolla, Nissan Kicks or Rogue/Rouge Sport or Sentra, Mazda CX3/CX5 so far. In no rush to buy, Altima only has 106,000 miles on it.
by John Z
Sat May 11, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158572

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Mostly because of this specific ongoing and comprehensive post, and casually looking for a replacement vehicle, I took a Honda HR-V for a test drive last week. The salesperson was very knowledgeable on this model and others since not all the features I am looking for are available on the HR-V and he...
by John Z
Thu May 09, 2019 3:52 pm
Forum: Personal Investments
Topic: tax efficient lazy portfolio strategies
Replies: 12
Views: 1891

Re: tax efficient lazy portfolio strategies

Try reading this list: https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/ You can consider the lazy portfolio suggestions and separate the funds by putting bonds/high dividend funds in tax deferred accounts, high growth in Roth and keeping taxable fund(s) that do not generate cap ga...
by John Z
Wed May 08, 2019 2:19 pm
Forum: Personal Investments
Topic: Fisher Investments--again
Replies: 16
Views: 3088

Re: Fisher Investments--again

Are you aware of Vanguard's Personal Adivsor Services? You could use them to get your financials in shape and then discontinue. "Vanguard is known for keeping costs low, the cost for Vanguard Personal Advisor Services is affordable as well. In fact, the annual cost is only 0.30% of the assets we man...
by John Z
Fri May 03, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2019)
Replies: 2
Views: 514

Re: madsinger monthly report (April 2019)

madsinger wrote:
Fri May 03, 2019 10:19 am
The stock market just keeps marching along.
You can say that again, again and again! Totally amazing. In retirement 7 years and portfolio at a peak including 4-5% withdrawals per year. From 70/30 gradually to 40/60 now. Thanks Brad.
by John Z
Tue Mar 26, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6438

Re: How to Sell a Wyland Painting on My Bathroom Wall?

Very interesting post. I'm a fan of Wyland and appreciate his works and personally would try to do something with this "inheritance." But not to the extreme and expense suggested in many posts with possible negative results. I'm not a photographer but have seen many high resolution photos enlarged t...
by John Z
Sun Mar 24, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Spending summers at vacation home in New Hampshire - tax question
Replies: 5
Views: 815

Re: Spending summers at vacation home in New Hampshire - tax question

I've been a NH resident since 1970. I worked for a company in MA for 20 years so had to pay non-resident MA income tax. But, when I traveled outside of MA for work I was able to deduct those days from being and earning money in MA. It ended up being a ratio as I recall. Now the tax laws may have cha...
by John Z
Sat Mar 23, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: advice on a carpet cleaner
Replies: 14
Views: 941

Re: advice on a carpet cleaner

As a gift our daughter bought us (me) a Hoover Power Scrub Deluxe several years ago and I use it every year to clean our beige carpet which is about 1000 sq ft total. It does a wonderful job. I do parts of a large room and rooms one at a time. The only drawback is emptying the dirty tank and filling...
by John Z
Thu Mar 21, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Replacing asphalt driveway
Replies: 16
Views: 2295

Re: Replacing asphalt driveway

I've never had a driveway replaced or repaired but there is one thing that really bothers me and I see it in commercial (parking lots, neighborhood roads) and residential paving jobs all the time. I've lost count on how many new paving jobs leave slight depressions so after it rains/snow melts there...
by John Z
Tue Mar 19, 2019 1:56 pm
Forum: Investing - Theory, News & General
Topic: Passive investing now controls nearly half the US stock market
Replies: 26
Views: 2252

Passive investing now controls nearly half the US stock market

From CNBC: https://www.cnbc.com/2019/03/19/passive-investing-now-controls-nearly-half-the-us-stock-market.html "Market share for passively managed funds has risen to 45 percent, up a full point from June 2018, according to data this week from Bank of America Merrill Lynch. That continues a trend ove...
by John Z
Fri Mar 08, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2019)
Replies: 3
Views: 680

Re: madsinger monthly report (February 2019)

Thank you for your continued monitoring of these various funds.
by John Z
Thu Mar 07, 2019 2:11 pm
Forum: Personal Investments
Topic: BH guidance on McClung Portfolio Allocation
Replies: 6
Views: 744

Re: BH guidance on McClung Portfolio Allocation

In my opinion, McClung's book is the best retirement text I have seen or read. I've followed and read every post here about his book and maybe I was too focused on the comments that most interested me to say that I don't recall much discussion about portfolio structure as McClung proposes in his lat...
by John Z
Wed Mar 06, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Over 55 community/Modular Home/Lease Land
Replies: 5
Views: 759

Re: Over 55 community/Modular Home/Lease Land

You don't say what state you are in. FL for example, has a set of laws specifically covering mobile and manufactured home parks: CHAPTER 723 FLORIDA STATUTES THE FLORIDA MOBILE HOME ACT That I think limits the land lease rent to include pass-through charges and reasonable increases. So check for any...
by John Z
Mon Mar 04, 2019 4:43 pm
Forum: Personal Investments
Topic: Accumulation/decumulation strategy
Replies: 12
Views: 1336

Re: Accumulation/decumulation strategy

[/quote] Conceptually, it seems to me that the years immediately before retirement should be given much more weight in retirement-withdrawal analysis than they usually are. Really, all of our fates are going to be determined by what the market does in the 10 years immediately before and immediately ...
by John Z
Mon Mar 04, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: Former bond king Gross says chances of beating the market 'much less' now
Replies: 19
Views: 2464

Former bond king Gross says chances of beating the market 'much less' now

https://www.bloomberg.com/news/articles/2019-03-03/bill-gross-sees-much-less-alpha-in-era-of-qe-and-quant-trading [Think of it as a parting shot to anyone hoping to be the next king of bonds. Bill Gross, who defined his investing career by beating benchmarks, says the era of outperformance is largel...
by John Z
Sat Feb 16, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4166

Re: Another "Is it worth it to fix" question

Whatever you do, do it quickly or do not drive the vehicle. With a dripping and or rusted tank you are driving around with a powder keg. One rear end crash could do it. Don't keep much gas in the tank either both for the accident potential and to make it easier for the repair people to drain it to r...
by John Z
Fri Feb 15, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 8552

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

Tires: Your safety and your life are riding on them.

From the NHTSA’s website:

file:///C:/Users/E430c/Downloads/9719_S1N_Tires_Nwsltr_June13_062713_v4_tag%20(1).pdf

Four page article covers tire aging and relation to accidents plus more info.
by John Z
Thu Feb 14, 2019 5:23 pm
Forum: Personal Investments
Topic: vanguard managed payout fund
Replies: 24
Views: 3182

Re: vanguard managed payout fund

The Managed Payout Fund isn't recommended here for a number of reasons and you can and should search the many threads here to see detailed discussions. Here are a few bullet points against the fund. Has a higher than normal expense ratio .34% while Total Stock and Total Bond run around .04% and .05%...
by John Z
Tue Feb 05, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 63
Views: 5785

Re: Free Southwest Companion Pass for 2019

btw, Southwest is now flying its first test flight from Oakland to HNL, Southwest 8725.
by John Z
Sun Feb 03, 2019 2:10 pm
Forum: Personal Investments
Topic: Is dividend/cap gain reinvestment supposed to look like a loss?
Replies: 30
Views: 1370

Re: Is dividend/cap gain reinvestment supposed to look like a loss?

To go further in time, in general terms, you will be declaring these dividends as income in the year you earn them. When you sell the shares, you will get to deduct the price of the shares that you paid taxes on so you may have an overall loss if you sell all the shares or at least your overall gain...
by John Z
Sun Jan 27, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: NH retirees, do you go south for the winter months?
Replies: 8
Views: 1513

Re: NH retirees, do you go south for the winter months?

Have lived in NH for 50 years. Winters did a number on my skin (dry and itchy), arthritic neck pain, snow and ice storms with power losses so our goal was to retire to a warmer location. Have wintered in FL for 6 years now and love it but not enough to become a resident. FL is a nice place to visit ...
by John Z
Fri Jan 25, 2019 10:08 am
Forum: Personal Investments
Topic: Reasons not to upgrade to a brokerage account?
Replies: 17
Views: 1949

Re: Reasons not to upgrade to a brokerage account?

Wife and I both only have mutual funds, are in retirement, and want the ease of "exchange" that happens with a couple of keystrokes. Don't have or plan to have any other type of securities. After being pestered by emails and our rep, I kindly told him we only have mutual funds, are in retirement, on...
by John Z
Thu Jan 24, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Snowbirds - Spending time in Fla during the winter
Replies: 7
Views: 1459

Re: Snowbirds - Spending time in Fla during the winter

We are snowbirds from NH and have been here for the past 6 winters. You will do better to find something if you rent from beginning of the month to the end rather than beginning mid-month. It can be done but you'll find many more places by the entire month. We are in the Daytona area and while it's ...
by John Z
Tue Jan 22, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: Your Retirement W/D method and why?
Replies: 40
Views: 3845

Re: Your Retirement W/D method and why?

I have used the Prime Harvesting withdrawal strategy for approximately 4-5 years. To see about a dozen different withdrawal strategies and how they are rated, go to: http://livingoffyourmoney.com/ McClung has written a thorough text on the many facets of living with and withdrawing your assets in re...
by John Z
Sun Jan 20, 2019 2:06 pm
Forum: Personal Investments
Topic: Any mutual fund or group of stocks which pay dividends
Replies: 10
Views: 2193

Re: Any mutual fund or group of stocks which pay dividends

Vanguard has a group of sector funds that are risky but some provide decent dividends: If you have a minimum of $100K you could check out Vanguard Utilities Index Fund Admiral Shares (VUIAX). It is a sector fund which has above average risk but the dividends are +/- 4% range distributed quarterly. h...
by John Z
Tue Jan 15, 2019 2:08 pm
Forum: Investing - Theory, News & General
Topic: PG&E Bonds
Replies: 49
Views: 5358

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: 542

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: 63
Views: 5785

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: 137
Views: 8054

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: 2949

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: 2949

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: 631

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: 1519

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: Personal Investments
Topic: Which fund to withdraw from?
Replies: 8
Views: 488

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: Personal Investments
Topic: Modifying McClung's Prime Harvesting guardrails
Replies: 4
Views: 548

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: Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4538

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: Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 19
Views: 2725

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: 730

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: 5649

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: Personal Investments
Topic: Trying to create a portfolio I can manage myself
Replies: 10
Views: 1475

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: Personal Investments
Topic: Trying to create a portfolio I can manage myself
Replies: 10
Views: 1475

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: 259
Views: 27421

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: 2322

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.