Search found 315 matches

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: 2
Views: 194

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: 22
Views: 2318

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: 852

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: 2017

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: 3297

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: 1225

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: 13669

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: 544

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: 13669

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: 986

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: 3140

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: 2594

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: 1909

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: 3682

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: 5512

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: 1004

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: 1187

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: 1206

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: 2542

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: 1001

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: 9364

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: 936

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: 3645

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: 299

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: 526

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: 3436

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: 1314

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: 446

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: 569

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: 6448

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: 1605

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: 1826

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: 672

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: 7184

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: 7184

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: 947

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: 1383

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: 1383

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/
by John Z
Wed Mar 21, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2793

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

My question is: what is the full amount price (not in dollars but is it the final negotiated price, sticker price, invoice price, etc.)? If you have already rec'd what you consider the lowest price that you could get I think you should get at least $1000 discount assuming a mid-priced model. More if...
by John Z
Wed Mar 21, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: RMDs - where to take & how to report
Replies: 3
Views: 654

Re: RMDs - where to take & how to report

I see that no one else has chimed in to answer another of your RMD questions so I looked it up. The custodian notifies IRS of all activity in your IRA(s). Here's a simple answer: Each year, the custodian of your IRA sends a Form 1099-R to you and the IRS which indicates how much you withdrew from yo...
by John Z
Tue Mar 20, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: RMDs - where to take & how to report
Replies: 3
Views: 654

Re: RMDs - where to take & how to report

What strategy other than the items below should I use in deciding from which IRAs to take RMDs? (1) Is my portfolio in need of rebalancing? (2) Which IRA investments do I feel will do the best / worst in the coming year? [Yes, this is market timing but how else do you make the decision?] Answering ...
by John Z
Fri Mar 09, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy Portfolio Examples (old Kiplinger articles)
Replies: 5
Views: 1052

Re: Lazy Portfolio Examples (old Kiplinger articles)

Not to confuse/complicate your lazy portfolio ideas but try this:

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

To me this is the universe of lazy portfolios and with a bit of tweaking for your own AA and risk, there are nearly an infinite number of variations.
by John Z
Sat Mar 03, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to short the equity market
Replies: 97
Views: 6742

Re: Best way to short the equity market

Check out the Vanguard Market Neutral Fund Investor Shares at
https://personal.vanguard.com/us/funds/ ... irect=true
The downside is you need a minimum of $250K.
by John Z
Wed Feb 28, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Prime Harvesting Spreadsheet: Does it work in LibreOffice?
Replies: 1
Views: 245

Re: Prime Harvesting Spreadsheet: Does it work in LibreOffice?

I have been using Prime Harvesting since we retired in 2012. But unknowingly and instinctively was using a variation of McClung's Prime Harvesting where I would convert, instead of waiting for 120% stock appreciation before converting to bonds, I was using a 110% stock level to convert to bonds. Whe...
by John Z
Mon Feb 26, 2018 11:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 6069

Re: Nisiprius at 35,000 posts

2^20 back to you!
by John Z
Sun Feb 25, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Ever thought of withdrawing bond allocation first ??
Replies: 23
Views: 2181

Re: Ever thought of withdrawing bond allocation first ??

I replied to someone requesting efficient RMD withdrawals so I'll just copy it here. Bonds First is a withdrawal strategy. For more details, read below: Refer to http://livingoffyourmoney.com/ where McClung has written a 350 page book about this topic. But don't be overwhelmed. At his site you can d...
by John Z
Fri Feb 23, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: What is the most efficient method of taking RMDs from my IRA
Replies: 9
Views: 1433

Re: What is the most efficient method of taking RMDs from my IRA

This reply is a bit different than answering your question about the most efficient method of taking RMDs but rather Maximizing Your Income by using an efficient Income Harvesting Strategy. In taking an RMD it's more important to harvest them efficiently rather than trying to determine when in the y...