Search found 4980 matches

by midareff
Fri Nov 17, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: RMD account
Replies: 8
Views: 532

Re: RMD account

I am 70yrs and spouse is 66yrs. We both collect SS, have no pension plan or earned income. Expenses are $65,000/yr and income is $51,182/yr and no debt. RMD is ~$54,000 for year ending 2017. We will use a portion of the RMD to cover expenses. The remainder will be invested in a taxable account. Our...
by midareff
Fri Nov 17, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Spending Taxable to Zero during Retirement
Replies: 16
Views: 1089

Re: Spending Taxable to Zero during Retirement

Retired 6 years (time flew bye) and turn 70 next month so will start RMD on a monthly basis in January. Have done Roth conversions the last 4 years and presently draw from Roth and taxable, next year it will be all three plus my pension and SS. Will not burn anything to zero as I have a younger wife.
by midareff
Fri Nov 17, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: St. Petersburg, FL visit: Rental car, tolls, SunPass questions
Replies: 16
Views: 499

Re: St. Petersburg, FL visit: Rental car, tolls, SunPass questions

You are overly worried about tolls. The main one you will encounter is the Sunshine Skyway Bridge at $1.25 a trip. The SunPass saves 18 cents. Hardly seems worth the trouble or expense for two weeks. Gill +1 we just paid cash at the booth that accepts cash. No reason to setup a pass or pay the extr...
by midareff
Fri Nov 17, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: St. Petersburg, FL visit: Rental car, tolls, SunPass questions
Replies: 16
Views: 499

Re: St. Petersburg, FL visit: Rental car, tolls, SunPass questions

You are overly worried about tolls. The main one you will encounter is the Sunshine Skyway Bridge at $1.25 a trip. The SunPass saves 18 cents. Hardly seems worth the trouble or expense for two weeks. Gill Until you get to the administrative fees, lookup fees, late penalty fees and such from not hav...
by midareff
Fri Nov 17, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Social Security younger Wife
Replies: 15
Views: 1519

Re: Social Security younger Wife

Very much same situation here with me 69 (until next month) and 54 wife. She has and will have no work experience here and I will have to live to at least January 2022 for her to be married ten years, which I believe is the minimum criteria for her SS spousal. I believe she only has to be married f...
by midareff
Fri Nov 17, 2017 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Social Security younger Wife
Replies: 15
Views: 1519

Re: Social Security younger Wife

Very much same situation here with me 69 (until next month) and 54 wife. She has and will have no work experience here and I will have to live to at least January 2022 for her to be married ten years, which I believe is the minimum criteria for her SS spousal.
by midareff
Fri Nov 17, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: An hour with David Swensen at Council of Foreign Relations
Replies: 12
Views: 755

Re: An hour with David Swensen at Council of Foreign Relations

There is a transcript of the interview. Here is one of many great nuggets: "You know, I have never been a big fan of quantitative approaches to investment. And the fundamental reason is that I can’t understand what’s in the black box. And if I don’t know what’s in the black box, and there’s underpe...
by midareff
Thu Nov 16, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Windows 10/Edge Conflicts
Replies: 12
Views: 768

Re: Windows 10/Edge Conflicts

I have in the past with earlier versions of Win. Win 10 now and run Firefox, Edge and IE as may be required. The only site I know of that was a bit flaky on Firefox was my condo maintenance company but I onlygo there once a year to set the years auto-pays, so this who knows?.
by midareff
Wed Nov 15, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: The 4% rule DOES fail but still makes sense!
Replies: 135
Views: 8031

Re: The 4% rule DOES fail but still makes sense!

There are soooo many ways to look at this. Is the 4% implemented for year one and then inflation adjusted to the annual $ amount yearly? Is the 4% implemented for year one and then inflation adjusted to the annual % amount yearly? Is the 4% implemented for year one and then re-calculated yearly for ...
by midareff
Mon Nov 13, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 152
Views: 11512

Re: Why pay cash for a car?

Many car owners do not carry collision type coverage. Car finance companies usually require you to carry these additional coverages. One can avoid it by paying cash. Just because you can do something, doesn't necessarily mean that you should do something. When you have the possibility of a five fig...
by midareff
Mon Nov 13, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Is the 4% SWR still valid because inflation is low despite low rates?
Replies: 5
Views: 608

Re: Is the 4% SWR still valid because inflation is low despite low rates?

The first huge unknown is how long will you, and your SO/DP/wife, live. Once you have determined that simple little fact you can more properly apply common sense to a SWR. I'll be 70 next month, have a younger wife to consider and was conservative, as well as having had some health issues my first f...
by midareff
Mon Nov 13, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 152
Views: 11512

Re: Why pay cash for a car?

I can understand paying off a mortgage, because rates are higher than car loans. And you wouldnt take a new loan out to invest in the market now. I am saving cash for my next car purchse. But why? Car loans are cheap. My current car is paid off and i like being debt free. Is that the best method? P...
by midareff
Mon Nov 13, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Policy Statement (RPS) -- Is anyone else using one?
Replies: 12
Views: 1116

Re: Retirement Policy Statement (RPS) -- Is anyone else using one?

Mine was an excel spreadsheet with annual projected investment savings, projected pension, projected SS and more., year by year. Started it about 15 years prior to retirement so near twenty years ago.
by midareff
Mon Nov 13, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3090

Re: What's your weighted average expense ratio?

It's .14% due to some Fidelity Sector Funds I play with in a Roth which are up about 40% YTD..
by midareff
Sun Nov 12, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: AA: Should I List Junk Bond Fund Under Stocks or Bonds?
Replies: 12
Views: 706

Re: AA: Should I List Junk Bond Fund Under Stocks or Bonds?

I consider VG's HY Bond Fund to be 30% equity when figuring AA, I also use 20% for the IT Corporate Index and 10% for the ST Corporate Index.
by midareff
Sun Nov 12, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1232

Re: What Credit Card is good for me?

Hi all, I currently have Chase Freedom credit card - get 1% cash back on all purchases, and I believe 5% back on quarterly selected categories/vendors. I have had this for years (decades?). I charge pretty much everything to that, and pay off the bill every month. Don't eat out much, or travel much...
by midareff
Sat Nov 11, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: do I need two different credit card companies
Replies: 14
Views: 1169

Re: do I need two different credit card companies

Hi Folks, I have 2 visa's 1 master card and one amex card (all have no annual fees). I only use the visas. Much better rewards (costco and Marriott). I am not worried about the effect on my credit rating. Can I dump both AMEX and Mastercard? Is there any chance Visa could have an issue that could s...
by midareff
Sat Nov 11, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6123

Re: Do you meditate?

Wife does for roughly 30 minutes twice daily.
by midareff
Sat Nov 11, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6106

Re: Isn't it safer to NOT sign Credit card?

I sign the back of my credit cards.. "ASK FOR ID". You would be surprised how rarely that happens with a swipe purchase and it has never happened with an insert purchase.
by midareff
Sat Nov 11, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1871

Re: Has anyone bought a Samsung Note 8?

The Note 4 I got from Ebay had about 35 Apps running. I could not uninstall them. I could disable them but had to do this each time there was a major upgrade. The Note 8 seems to be a major improvement in this area. I was able to uninstall one app. Some others seem to be hidden and are not activate...
by midareff
Fri Nov 10, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: When is a good time to rebalance?
Replies: 30
Views: 2236

Re: When is a good time to rebalance?

sport wrote:
Wed Nov 08, 2017 4:14 pm
I rebalance whenever my AA is off by more than my allowed amount. Usually, the allocation to stocks has grown too high, so the risk level of my holdings is therefore too high. In this case, rebalancing reduces the risk level back to where I want it to be.
Same here.
by midareff
Fri Nov 10, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 242
Views: 19190

Re: How to Get Stock Quotes Into Excel

What's happeneing with the Yahoo stock quotes into Excel thing. I've used the following command that's worked well. But it's been dead for a few weeks now. What's the EASIEST way to get end of day quotes into my Excel spreadsheet? =NUMBERVALUE(WEBSERVICE("https://download.finance.yahoo.com/d/quotes...
by midareff
Fri Nov 10, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Savor credit card
Replies: 16
Views: 1257

Re: Savor credit card

That's very interesting. We eat out three or four times a week and 4% on dining is a nice accompaniment tp PenFed's 5 on gas, AMEX's 6% on groceries and Fido's 2% on everything else. It's no help on plane tickets as I use the airlines own card for free checked bags, priority boarding and miles. If ...
by midareff
Fri Nov 10, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15828

Re: Flying first class, business, versus economy.

I recently returned from Italy and had a wonderful time, thanks to the many useful tips from fellow Bogleheads. The only issue my wife and I had was the flight. We flew economy with American Airlines. Even though we are on the small side, the seats were, nevertheless, uncomfortable and short on leg...
by midareff
Fri Nov 10, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Savor credit card
Replies: 16
Views: 1257

Re: Savor credit card

That's very interesting. We eat out three or four times a week and 4% on dining is a nice accompaniment to PenFed's 5% on gas, AMEX's 6% on groceries and Fido's 2% on everything else. It's no help on plane tickets as I use the airlines own card for free checked bags, priority boarding and miles.
by midareff
Wed Nov 08, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: VDAIX vs. VFIAX
Replies: 16
Views: 848

Re: VDAIX vs. VFIAX

Lou354 wrote:
Wed Nov 08, 2017 11:11 am
jessikaur wrote:
Wed Nov 08, 2017 10:49 am
also.. i think i've asked this before.. but VIG probably does not belong in the taxable account, does it?
Correct, not as long as you're in accumulation phase.
and based on the superior history of VTSAX and VFIAX why would you?
by midareff
Wed Nov 08, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: VDAIX vs. VFIAX
Replies: 16
Views: 848

Re: VDAIX vs. VFIAX

Let's look at VDADX (the Admiral version of VDAIX, vs VFIAX (S&P%) Admiral) and VTSAX the Total Stock Market (US) Admiral over the M* stipulated inception date of 4/21/2006 for VDADX until now. VDADX $24,679.74 vs. VFIAX $25,206.43 vs. VTSAX $25,426.41. I'm more a what have you done for me historica...
by midareff
Wed Nov 08, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 1498

Re: Auto Insruance Payment

How do people here pay auto insurance? One full payment or 12 equal payments with $2 extra installment service charge each month. Not a big deal but I don't like paying additional $24 a year. Just out of curiosity checking if people mind such small amount? I pay Geico every 6 months on a 2% cash ba...
by midareff
Mon Nov 06, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 36
Views: 3284

Re: U.S. & International Allocation

I had also wanted to mention that the recommended allocation of fixed income for Total International Bond has also increased in terms of Vanguard investment experts. I believe this was 20% of fixed income and is now 30%. The trend appears to be in one direction. I was at 30% international but just ...
by midareff
Mon Nov 06, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1871

Re: Has anyone bought a Samsung Note 8?

Thanks Ron. I've decided to go with the iPhone 7 plus. I used to buy phones and give the old ones to family members. Some time in the past I had the latest models of the Samsung Note and iPhone plus. I would run both and the Samsung phone always drained the battery faster. I know that test show the...
by midareff
Sun Nov 05, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 3551

Re: How has your AA philosophy changed over the years?

In the 70's and 80's I was invested in individual stocks which changed to equity funds in the 90's. The late 90's taught me to own bonds and diversify across sectors using the total market. The 2000's taught me to just follow my plan and the post 2007-8 decline convinced me to be more conservative w...
by midareff
Sat Nov 04, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 87
Views: 7067

Re: Should I decline Grand Prize trip because of taxes on winnings?

goblue100 wrote:
Fri Nov 03, 2017 7:54 am
Take the trip. In your words, its a "once in a lifetime opportunity". The last I checked, you only get one lifetime. There is such a thing as being too frugal.
Amen... go and enjoy.
by midareff
Thu Nov 02, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Cellphone Battery
Replies: 14
Views: 1286

Re: Cellphone Battery

eBay for sure.
by midareff
Thu Nov 02, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: First RMD withdrawal - Now or next year?
Replies: 11
Views: 887

Re: First RMD withdrawal - Now or next year?

I will be 70 this year and will take my first RMD next year to avoid the tax implications. I have some 15% space for it and the rest 25%, and next year as well. No reason to stack them. The year you turn 70.5 is the year for your first RMD. If you turn 70 in the first half of the year, your 70.5 da...
by midareff
Thu Nov 02, 2017 7:22 am
Forum: Investing - Theory, News & General
Topic: Buffett "Key Indicator" near dangerous all-time high...
Replies: 73
Views: 8836

Re: Buffet "Key Indicator" near dangerous all-time high...

If you haven't rebalanced your portfolio in a while, this looks like a good time. [/quote] Re-balanced yesterday, which probably guarantees a run up.. [/quote] Yep. The dreaded "Nedsaid effect." I don't like to rebalance for that reason but I am 58 and need to control the amount of risk I am taking ...
by midareff
Wed Nov 01, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Buffett "Key Indicator" near dangerous all-time high...
Replies: 73
Views: 8836

Re: Buffet "Key Indicator" near dangerous all-time high...

Not only did I rebalance equities to FI, which had crept to nearly 50/50 and is now back to roughly 46/51/3, equities bonds cash. I also rebalanced US to International, increasing my AA to International from roughly 30% to roughly 38%. Early next January I will revisit AA again as some equities wil...
by midareff
Wed Nov 01, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: Buffett "Key Indicator" near dangerous all-time high...
Replies: 73
Views: 8836

Re: Buffet "Key Indicator" near dangerous all-time high...

Interesting the Oracle of Omaha would warn equity investors are "Playing with Fire" due to his key overvaluation metric nearing an all time high: "Buffett indicator is the total market capitalization of all U.S. stocks relative to the country’s gross domestic product. When it’s in the 70% to 80% ra...
by midareff
Wed Nov 01, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: First RMD withdrawal - Now or next year?
Replies: 11
Views: 887

Re: First RMD withdrawal - Now or next year?

I will be 70 this year and will take my first RMD next year to avoid the tax implications. I have some 15% space for it and the rest 25%, and next year as well. No reason to stack them.
by midareff
Wed Nov 01, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: Buffett "Key Indicator" near dangerous all-time high...
Replies: 73
Views: 8836

Re: Buffet "Key Indicator" near dangerous all-time high...

Interesting the Oracle of Omaha would warn equity investors are "Playing with Fire" due to his key overvaluation metric nearing an all time high: "Buffett indicator is the total market capitalization of all U.S. stocks relative to the country’s gross domestic product. When it’s in the 70% to 80% ra...
by midareff
Mon Oct 30, 2017 8:11 am
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or not to Avatar . . how did you choose or not choose?
Replies: 115
Views: 5148

Re: To Avatar or not to Avatar . . how did you choose or not choose?

Sandtrap wrote:
Sun Oct 29, 2017 6:25 pm
I've noticed a plethora of very cool Avatars on members posts. And, some very astute portfolio reviewers have very nice ones. I wonder if it adds to the "wisdom effect"?
Edited for my comment.. Nobody knows nothing so why would that matter?
by midareff
Mon Oct 30, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 11934

Re: Request for Promotion letter to Senior Management

Background: 1. Been with Mega Corp for 8 years as an IT Program/Project Manager 2. Love my job and Manager I work with and have full flexibility on my schedule (WFH anytime I want). But visit the office whenever I feel like it (especially with one-on-one's with my Manager every week). 3. Been askin...
by midareff
Sun Oct 29, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: If someone got into your laptop, would they have access to all sites via the password manager?
Replies: 46
Views: 1385

Re: If someone got into your laptop, would they have access to all sites via the password manager?

If someone were to gain access to one's laptop or computer and you had a password manager like "1Password" or "OneSafe", etc, with "auto fill" engaged. Wouldn't they be able to access all of your sites including Vanguard, etc? I use a 15 character alpha numeric upper and lower case password on/for ...
by midareff
Sun Oct 29, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: What strategies do you use to manage risk in your portfolio?
Replies: 21
Views: 1236

Re: What strategies do you use to manage risk in your portfolio?

1, 2 and 7. In addition since the Shiller is now >31 I have been buying CD's with money that normally would go into a bond fund in taxable.
by midareff
Sun Oct 29, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 5757

Re: Retirees: which websites do you spend the most time on?

I get all my news online.... CNBC, Fox, BBC, ESPN and others. I also visit this site frequently and check our banks, credit cards and such regularly.
by midareff
Sun Oct 29, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3130

Re: European Tours

We did a Viking Longboat River Tour from Amsterdam to Budapest and it was wonderful. Guided tours at every stop included, beer and wine lunch and dinner included, wi-fi included, great food ... can'r say enough good things about them. Unpack once and done. Liked it enough to go back with them the ne...
by midareff
Sun Oct 29, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 14891

Re: What was the main reason you retired?

1, 2, 4, 5, 8, 9. It was time to go travel.
by midareff
Thu Oct 12, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 5665

Re: Made a career mistake- advice/next steps

Yes it's time to start looking. There's no reason to have to sit in the "penalty box" when there may be other suitable opportunities. When asked about the reason for leaving so soon I would simply say that the job/responsibilities didn't turn out the way it had been described. That's accurate, hone...
by midareff
Thu Oct 12, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6462

Re: Best Career Advice for those over "50"

What is your best career advice for those recently turning 50? Would it be different than for those at other ages? I am referring to networking, updating skills, company loyalty, and other non financial intangibles. Did you learn anything after 50 you wished you had known before? Mistakes? Successe...
by midareff
Thu Oct 12, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 3092

Re: Antivirus Software Recommendations

I've been using Malwarebytes Premium which covers anti-virus and anti-exploit for several years on top of Windows Defender. System is Win 10 64 bit and it runs mighty fast. It does a good job of blocking PUPs (Potentially Unwanted Programs) which can download from sites to track your patterns for ad...