Search found 324 matches

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: 5
Views: 567

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: 242
Views: 24475

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: 1626

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: 628

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: 4773

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: 1221

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: 1140

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: 524

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: 1235

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: 660

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: 3245

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: 869

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: 2061

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: 31
Views: 3424

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: 21
Views: 1253

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: 13866

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: 557

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: 13866

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: 1007

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: 3164

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: 2655

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: 1961

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: 3757

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: 5709

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: 1023

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: 1195

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: 1223

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: 2560

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: 1020

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: 9550

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: 955

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: 3748

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...
by John Z
Thu Apr 19, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: SPIVA - year end 2017
Replies: 1
Views: 310

Re: SPIVA - year end 2017

Yes, thanks for the reminder. I love looking at this report.
by John Z
Tue Apr 17, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Morningstar's Guide to Passive Investing
Replies: 1
Views: 555

Re: Morningstar's Guide to Passive Investing

Thank you for posting as I wouldn't have seen this since I find less time for going to Morningstar.
by John Z
Mon Apr 16, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: What to do about withdrawal this year if market doesn't go up?
Replies: 32
Views: 3560

Re: What to do about withdrawal this year if market doesn't go up?

Go to http://livingoffyourmoney.com/ where you can download the first 3 chapters. Chapter 3 is one of the best and this can give you some insight on what approach/plan you want to take for withdrawals. Better yet if you are so inclined you can purchase the book and whatever the price it is well wort...
by John Z
Mon Apr 16, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: Removing oil stains on garage floor
Replies: 10
Views: 1353

Re: Removing oil stains on garage floor

Yeah, just clay cat litter. Grind it into powder with your foot and let set for a couple of days and you won't even know there was a stain there.
by John Z
Sun Apr 15, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: RMD/Taxable account holding place.
Replies: 3
Views: 454

Re: RMD/Taxable account holding place.

I've used VG Short Term Bond Fund to park money for 2-3 years.
by John Z
Tue Apr 10, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Two Interesting Investing Articles
Replies: 1
Views: 578

Re: Two Interesting Investing Articles

Love the index card information!
by John Z
Tue Apr 10, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 6643

Re: Retirees: Who's increasing their equities as they age?

Currently in my 60s and am retired 7 years with a 45/55 AA. Been thinking about increasing my equity side a bit. Are there retirees who are/or are planning to up their equity proportion as they age and why they would be doing that? Been retired for 6 years. Wife and I feel like we've won the game s...
by John Z
Sun Apr 08, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can we discuss renting a car? [Insurance]
Replies: 25
Views: 1648

Re: Can we discuss renting a car?

Wife and I go to LV a couple of times a year so have rented many times. I say this not to bash the company, but since you will be traveling a great distance and don't want any breakdowns, do not rent from Fox Rent a Car. We do since we stay nearby and don't put more than 150 miles on a trip. They ar...
by John Z
Sun Apr 08, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach
Replies: 18
Views: 1880

Re: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach

He wasn't criticizing Vanguard but the idea of a single fund in retirement rather than say, two funds (one stock, one bond). Does this point of view have validity, in your opinions? Yes, it is best to have separate bond and stock funds when withdrawing during retirement. If not you have no control ...
by John Z
Thu Apr 05, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Cash Arrived At Roth - Buy Three-Funds and Done?
Replies: 7
Views: 685

Re: Cash Arrived At Roth - Buy Three-Funds and Done?

Well, consider this: All gains in Roth are tax free so numerous experts suggest putting the most volatile or potential for highest gain securities in Roth. Bonds are not part of this group so don't waste the no tax gains on small bond returns.
by John Z
Mon Apr 02, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Max-funding an Index Universal Life policy to the IRS limit??
Replies: 108
Views: 7375

Re: Max-funding an Index Universal Life policy to the IRS limit??

Forgot to include this link

https://www.whitecoatinvestor.com/rebut ... insurance/

Where he rebuts the 16 Reasons Why Accountants Prefer Indexed Universal Life Insurance

in plain understandable words.
by John Z
Mon Apr 02, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Max-funding an Index Universal Life policy to the IRS limit??
Replies: 108
Views: 7375

Re: Max-funding an Index Universal Life policy to the IRS limit??

Hello ElmoHongZito welcome to the forum. I have been a "quiet" lurker and member of this forum for over 10 years. My wife and I have been successfully retired for 5 years as a NH resident with a winter home in FL. All of our retirement assets come from our years of working and frugality, and saving ...
by John Z
Sun Apr 01, 2018 6:00 am
Forum: Personal Finance (Not Investing)
Topic: auto/umbrella insurance agents
Replies: 7
Views: 961

Re: auto/umbrella insurance agents

My Brown and Brown insurance agent found Travelers for auto, home and umbrella in the Northeast.
by John Z
Wed Mar 28, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Prime Harvesting--Do I have the steps accurate
Replies: 8
Views: 1412

Re: Prime Harvesting--Do I have the steps accurate

You may also want to take a look at the ERN article (the entire series on withdrawal strategies is excellent) that discusses a smoother version of harvesting to reduce the abrupt changes in AA that results from McClung's approach: https://earlyretirementnow.com/2017/04/19/the-ultimate-guide-to-safe...
by John Z
Mon Mar 26, 2018 8:09 am
Forum: Investing - Theory, News & General
Topic: Prime Harvesting--Do I have the steps accurate
Replies: 8
Views: 1412

Re: Prime Harvesting--Do I have the steps accurate

He provides the exact details needed in Chapter 3 on page 91 of his free pdf download at

http://livingoffyourmoney.com/