Search found 7077 matches

by midareff
Sat Sep 19, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard Multifactor fund VFMF has had a bad year
Replies: 57
Views: 2978

Re: Vanguard Multifactor fund VFMF has had a bad year

I'd beware any investment vehicle that portents to be better and smarter than the market. I also suspect the fund manager is doing just fine too.
by midareff
Sat Sep 19, 2020 9:55 am
Forum: Personal Investments
Topic: Fund Performance Comparisons
Replies: 22
Views: 978

Re: Fund Performance Comparisons

Good points but I think historical growth/past performance does mean something and I'd sure want to know how a fund has performed YTD, 1yr, 3yr, 5yr 10yr and since inception before investing. I realize past performance is no guarantee of future results but if a fund has consistently outperformed an...
by midareff
Wed Sep 16, 2020 8:27 am
Forum: Personal Finance (Not Investing)
Topic: new car - 0% interest loan ?
Replies: 27
Views: 1650

Re: new car - 0% interest loan ?

Geez, free money... I'd put the money in a tax-exempt muni fund like VWIUX and let their money take us out to dinner .. or curbside pickup as the case may be.
by midareff
Wed Sep 16, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12647

Re: Is this guy trying to scam me on a car I'm selling?

I would not take a check unless I went with him in person into his bank and was handed the check right there. +1 If taking cash, I would want that to happen at the bank too to make sure the currency wasn't fake, unless you have a way of testing it yourself. +1 and not anywhere else so he doesn't ha...
by midareff
Wed Sep 16, 2020 7:30 am
Forum: Personal Investments
Topic: Vanguard Roth Performance
Replies: 14
Views: 1197

Re: Vanguard Roth Performance

Possibly but is it worth your time to re-balance yearly? I also doubt it would make that much of a deference ether way. Wellesley is a good 40/60 active fund (like your target date) and might do better in the future than your target date, but it might not. That comes down to how much faith you have...
by midareff
Tue Sep 15, 2020 7:09 am
Forum: Personal Investments
Topic: Vanguard Roth Performance
Replies: 14
Views: 1197

Re: Vanguard Roth Performance

Possibly but is it worth your time to re-balance yearly? I also doubt it would make that much of a deference ether way. Wellesley is a good 40/60 active fund (like your target date) and might do better in the future than your target date, but it might not. That comes down to how much faith you have...
by midareff
Sun Sep 13, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: The Vanguard Core Bond Fund vs. Total Bond Question..
Replies: 4
Views: 629

Re: The Vanguard Core Bond Fund vs. Total Bond Question..

Well Nisi... I'm trying to gain a better understanding of "This actively managed fund seeks to provide broadly diversified exposure predominantly to the U.S. investment-grade bond market." quote from the Vanguard description of the fund's objectives. Vanguard can't seem to tell me what 25.8% NR real...
by midareff
Sun Sep 13, 2020 9:22 am
Forum: Personal Investments
Topic: Ally Bank Not Reliable
Replies: 50
Views: 4841

Re: Ally Bank Not Reliable

Opened a new checking+savings account with Ally bank. Was able to login and fund both accounts. As soon as the ACA deposits cleared, I am locked out of both accounts. Called customer service, and was told there was an known IT issue, affecting multiple customers, that could take 3-5 days to resolve...
by midareff
Sun Sep 13, 2020 8:16 am
Forum: Investing - Theory, News & General
Topic: The Vanguard Core Bond Fund vs. Total Bond Question..
Replies: 4
Views: 629

The Vanguard Core Bond Fund vs. Total Bond Question..

I was comparing the two funds and while in some ways they seem similar in others they seem to raise a red flag to me... maybe needlessly? While statistically they seem similar Core SEC 1.18% Expense .10% Total's SEC 1.17% Expense .05% Core Duration 6.4 years with Effective Maturity 7.7 years vs. Tot...
by midareff
Sun Sep 13, 2020 8:08 am
Forum: Investing - Theory, News & General
Topic: Reasons to invest internationally, or not.
Replies: 166
Views: 8572

Re: Reasons to invest internationally, or not.

tibbitts wrote: Sun Sep 13, 2020 8:04 am
midareff wrote: Sun Sep 13, 2020 7:51 am ...
I think you might want to re-do your quotes to make it obvious who is/was saying what.
done
by midareff
Sun Sep 13, 2020 7:51 am
Forum: Investing - Theory, News & General
Topic: Reasons to invest internationally, or not.
Replies: 166
Views: 8572

Re: Reasons to invest internationally, or not.

"Indeed, over the period through year-end 2019, U.S stocks outperformed foreign stocks over the trailing five, 10, 15, 20, 25, 30, 40 and 50 years." Enough said. I'll just add to that I worked here, saved here, live here, eat here, buy all my stuff here, bank here and invest here. Remind me again w...
by midareff
Sat Sep 12, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: 70% VLT automotive window tint. Is it worth it?
Replies: 13
Views: 947

Re: 70% VLT automotive window tint. Is it worth it?

20% windshield and 60% on the rest. Big difference here in South Florida's summers.
by midareff
Thu Sep 10, 2020 7:30 am
Forum: Personal Consumer Issues
Topic: Please help me, need to buy a computer
Replies: 127
Views: 5883

Re: Please help me, need to buy a computer

Thanks for the replies so far! So in practice just purchasing a computer will be enough, nothing else needed to make it function, right? What about antivirus, does it come with the computer too? So it looks like I'll go for a PC, Dell should do as HP was more fragile I remember. Would you agree? On...
by midareff
Tue Sep 08, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 36
Views: 2208

Re: Dental Insurance

I've not had any success finding dental insurance that extends past a small basic amount, such as $1000, that didn't cost nearly that much. I had a discount plan for awhile.. Aetna Vital Savings I think it was called but it seemed the only places that actually took it were clinics with relative newb...
by midareff
Mon Sep 07, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: What is PenFed good at?
Replies: 77
Views: 5471

Re: What is PenFed good at?

arf30 wrote: Sat Sep 05, 2020 10:00 am I don't have accounts there but they're known for competitive auto financing, including rare cars that most banks won't touch.
I had two cars financed at 1.49%. One for 4 years the other 3.
by midareff
Mon Sep 07, 2020 10:45 am
Forum: Non-US Investing
Topic: Leveraged strategies for ex-USA investors using options on Interactive Brokers
Replies: 72
Views: 1787

Re: I've just implemented the x3 Golden Butterfly version

Good luck..... the pathway to success is littered with failed exotic portfolios.
by midareff
Mon Sep 07, 2020 10:43 am
Forum: Personal Investments
Topic: ROTH vs. Traditional - How Did You Choose?
Replies: 34
Views: 2015

Re: ROTH vs. Traditional - How Did You Choose?

Traditional had a tax advantage and I was single at the time. Did the max, and then did three years of double up. After that when and if there was spare money it went to taxable and Roth.
by midareff
Mon Sep 07, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7065

Re: "Hobby" Money: Planes, cars, boats etc...

Pre-Covid we traveled 4 to 6 times a year. Mostly International, most three weeks or longer, better and specialty cruise lines, some in two room suites, some in extra sized cabins, all with balcony. Budget was about $6K monthly. Now nothing....
by midareff
Sun Sep 06, 2020 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Excel newbie table question
Replies: 8
Views: 828

Re: Excel newbie table question

Right click on any tab and then on Insert. Then insert worksheet. Label new worksheet with name desired and headers as appropriate for your needs.
by midareff
Fri Sep 04, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: Need Help Breaking Through a Mental Accounting Block
Replies: 25
Views: 1885

Re: Need Help Breaking Through a Mental Accounting Block

There are lots of ways to do it ... I think the more important thing is maintaining the same method and if you are a numbers person tracking your first of the month, or last of the month if you prefer, data. I track $$ in IRA, $$ in Roth, $$ in regular taxable account and $$ in CDs as well as $$ in ...
by midareff
Thu Sep 03, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: Are Leather Lounges Worthwhile?
Replies: 27
Views: 2746

Re: Are Leather Lounges Worthwhile?

I had a leather living room couch by Natuzzi that looked like new for 15+ years although the use was slight at most. I redecorated when I retired and replaced it with a Natuzzi electric recliner couch with leather upgraded several steps,which has had to have multiple repairs and dye touch ups in it'...
by midareff
Thu Sep 03, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Cancelling upcoming trip
Replies: 43
Views: 4970

Re: Cancelling upcoming trip

I cancelled a cruise trip to France with Vantage for physician documented medical reasons other than Covid, back in mid-April. I had cancel for any reason insurance sold to me by Vantage with Tripmate Insurance. The insurance company was supposed to refund us $300 each and Vantage the balance of abo...
by midareff
Wed Sep 02, 2020 9:37 am
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2256

Re: SEC 30 day yield vs Distribution yield

The SEC Yield is an indicator of what you may or might receive as a distribution some time in the future.. not necessarily sooner than later either. The present SEC on VWIUX is 1.00%, last month the distribution was 2.39% tax-exempt. Personally, I evaluate on what I'm going to receive for my money,...
by midareff
Tue Sep 01, 2020 10:22 am
Forum: Personal Investments
Topic: Tips on investing play money
Replies: 37
Views: 2053

Re: Tips on investing play money

I fully subscribe to indexing and many of the core investing principles often discussed on this forum. I am thinking about taking a certain amount of money and designate it as play (gambling) money. It would strictly be invested in stocks. Looking for any tips, websites or anything that would help....
by midareff
Tue Sep 01, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 14641

Re: What is your age and asset allocation ?

72 wife 57, 54 equities, 42% FI, 4% cash and CDs.
by midareff
Tue Sep 01, 2020 7:23 am
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2256

Re: SEC 30 day yield vs Distribution yield

The SEC Yield is an indicator of what you may or might receive as a distribution some time in the future.. not necessarily sooner than later either. The present SEC on VWIUX is 1.00%, last month the distribution was 2.39% tax-exempt. Personally, I evaluate on what I'm going to receive for my money,...
by midareff
Tue Sep 01, 2020 7:16 am
Forum: Personal Consumer Issues
Topic: So, I was playing Pickleball and Amazon sent me an offer
Replies: 87
Views: 7246

Re: So, I was playing Pickleball and Amazon sent me an offer

I was on the Dell web site earlier this AM looking at 13" laptops and the Weather Channel radar on my phone game me a Dell sale ad when I checked the weather around 4 PM before I went out to walk. I'm not thinking it's a coincidence. It’s not a coincidence, they are linking your browsing behavior t...
by midareff
Mon Aug 31, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: So, I was playing Pickleball and Amazon sent me an offer
Replies: 87
Views: 7246

Re: So, I was playing Pickleball and Amazon sent me an offer

I was on the Dell web site earlier this AM looking at 13" laptops and the Weather Channel radar on my phone game me a Dell sale ad when I checked the weather around 4 PM before I went out to walk. I'm not thinking it's a coincidence. It’s not a coincidence, they are linking your browsing behavior t...
by midareff
Mon Aug 31, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: So, I was playing Pickleball and Amazon sent me an offer
Replies: 87
Views: 7246

Re: So, I was playing Pickleball and Amazon sent me an offer

I was on the Dell web site earlier this AM looking at 13" laptops and the Weather Channel radar on my phone game me a Dell sale ad when I checked the weather around 4 PM before I went out to walk. I'm not thinking it's a coincidence.
by midareff
Mon Aug 31, 2020 4:04 pm
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2256

Re: SEC 30 day yield vs Distribution yield

The SEC Yield is an indicator of what you may or might receive as a distribution some time in the future.. not necessarily sooner than later either. The present SEC on VWIUX is 1.00%, last month the distribution was 2.39% tax-exempt. Personally, I evaluate on what I'm going to receive for my money,...
by midareff
Mon Aug 31, 2020 8:33 am
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2256

Re: SEC 30 day yield vs Distribution yield

The SEC Yield is an indicator of what you may or might receive as a distribution some time in the future.. not necessarily sooner than later either. The present SEC on VWIUX is 1.00%, last month the distribution was 2.39% tax-exempt. Personally, I evaluate on what I'm going to receive for my money, ...
by midareff
Sun Aug 30, 2020 11:37 am
Forum: Investing - Theory, News & General
Topic: The “Abandon Bonds” strategy
Replies: 259
Views: 26728

Re: The “Abandon Bonds” strategy

There are other considerations besides abandon bonds... an example of which this retiree is facing right now. I have a 3.0% APR mortgage on my primary residence with PenFed. When the money was in Vanguard's Intermediate Term Muni Fund (VWIUX) and was distributing a 3.3% to 3.4% tax exempt yield mont...
by midareff
Fri Aug 28, 2020 6:43 pm
Forum: Investing - Theory, News & General
Topic: How do I know what withdrawal rate to use?
Replies: 53
Views: 4473

Re: How do I know what withdrawal rate to use?

I like the VPW as a guideline with a small change in that I use the application of the average of the three prior years portfolio balance for smoothing year to year undulations. You could give it a try with or without that change and see if it suits you. Just plug in your data and see what it provi...
by midareff
Fri Aug 28, 2020 6:40 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1045
Views: 347240

Re: Variable Percentage Withdrawal (VPW)

In another thread , forum member Midareff wrote: I like the VPW as a guideline with a small change in that I use the application of the average of the three prior years portfolio balance for smoothing year to year undulations. Unfortunately, smoothing portfolio withdrawals (e.g. taking a withdrawal...
by midareff
Fri Aug 28, 2020 6:33 pm
Forum: Investing - Theory, News & General
Topic: How do I know what withdrawal rate to use?
Replies: 53
Views: 4473

Re: How do I know what withdrawal rate to use?

I like the VPW as a guideline with a small change in that I use the application of the average of the three prior years portfolio balance for smoothing year to year undulations. You could give it a try with or without that change and see if it suits you. Just plug in your data and see what it provi...
by midareff
Fri Aug 28, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: password manager for a couple
Replies: 16
Views: 1164

Re: password manager for a couple

I have and like LastPass. I especially appreciate the ability to exclude countries from the list of authorized usage places although VPN services make that a workaround possibility..
by midareff
Fri Aug 28, 2020 10:44 am
Forum: Personal Investments
Topic: Advisor Cannot Use Vanguard?
Replies: 50
Views: 3302

Re: Advisor Cannot Use Vanguard?

dilloway wrote: Thu Aug 27, 2020 3:44 pm
nisiprius wrote: Thu Aug 27, 2020 3:39 pm Why didn't you ask them why they "can't work with Vanguard?"
They claimed Vanguard doesn't work well with independent advisors.
Oh, you mean they don't kick back some of your money to the advisor?
by midareff
Fri Aug 28, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7065

Re: "Hobby" Money: Planes, cars, boats etc...

[Question revised, see below --admin LadyGeek] Hello all, Close to FIRE here, just working some for insurance a few more years. Have time and money to enjoy life and experiences. Taking flying lessons after putting them off twice before. I am considering plane ownership to travel the US. I am curio...
by midareff
Fri Aug 28, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: What purchases are you planning now for the Fall/Winter to get ahead of demand?
Replies: 57
Views: 6819

Re: What purchases are you planning now for the Fall/Winter to get ahead of demand?

I can tell you cruise cabins on premier lines and smaller more personal ships are getting real scarce almost 2.5 years out.
by midareff
Thu Aug 27, 2020 7:19 am
Forum: Investing - Theory, News & General
Topic: I survived the 'sequence of returns risk'
Replies: 42
Views: 3819

Re: I survived the 'sequence of returns risk'

I retired in 2011, and luckily, have been on a pretty good ride in the market since then. So, since I was not negatively affected by the sequence risk, what can I expect/how might this impact my withdrawals going forward? Very similar, retired April 2012, quite the ride upwards since then. FWIW, I ...
by midareff
Wed Aug 26, 2020 7:09 am
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 29354

Re: Bear Cub Smells Bubble

1. Tech stocks are priced to perfection. TSLA, AAPL come to mind. 2. 100% stock portfolios are all the rage. Bonds are bad. Cash is trash. Gold is gross. 3. The mainstream is pushing TINA (There Is No Alternative to stocks) as well. 4. Almost everyone is either euphoric about stocks or has succumbe...
by midareff
Tue Aug 25, 2020 6:04 am
Forum: Personal Consumer Issues
Topic: Any car enthusiasts? (or soon to be)
Replies: 112
Views: 6520

Re: Any car enthusiasts? (or soon to be)

I ordered my C63S AMG for my 70th b-day. Does an MB sedan with a 3.8 sec 0 - 60 time count?
by midareff
Mon Aug 24, 2020 1:51 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 9692

Re: A Plea for Ordinary English

I think we should keep cursive too.
by midareff
Mon Aug 24, 2020 1:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguards says 'Why International Now'
Replies: 38
Views: 4545

Re: Vanguards says 'Why International Now'

Nobody knows nothing... they keep saying international will out perform, it will eventually, but no one knows when or for how long. I knew for sure it would outperform as soon as I vacated my position in international. I'm wrong again proving Nobody knows nothing once more. Please tell me when you ...
by midareff
Mon Aug 24, 2020 9:07 am
Forum: Investing - Theory, News & General
Topic: Vanguards says 'Why International Now'
Replies: 38
Views: 4545

Re: Vanguards says 'Why International Now'

anon_investor wrote: Sun Aug 23, 2020 10:07 pm Nobody knows nothing... they keep saying international will out perform, it will eventually, but no one knows when or for how long.
I knew for sure it would outperform as soon as I vacated my position in international. I'm wrong again proving Nobody knows nothing once more.
by midareff
Mon Aug 24, 2020 9:05 am
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 71
Views: 8712

Re: Suggestions for 100x moonshots

I have a very bogleheadian portfolio. Mostly VTSAX (or FSKAX) and recently venturing into the other 2 legs of the 3 fund portfolio. However, I do have a "play money" account which is at present about 4% of my investible assets (and 2% of NW). I have had some success with this play money. But nothin...
by midareff
Mon Aug 24, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: New Job Offer - $100,000 Raise - Would I Be a Fool to Not Accept?
Replies: 94
Views: 7795

Re: New Job Offer - $100,000 Raise - Would I Be a Fool to Not Accept?

knowledge wrote: Mon Aug 24, 2020 8:08 am The cons for a new job don't read like cons. I"m confused as to how much more bureaucratic a young, growth company could be. I'm not seeing the downside of the new job.
Amen... I think the OP is way overthinking this... and 100% remote.
by midareff
Sun Aug 23, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Data in the cloud?
Replies: 27
Views: 1369

Re: Data in the cloud?

I have been using the same trouble free Samsung 27" desktop with (now) Win 10 since 2013. I'd like to add a laptop in either 13" or 15", probably a Dell XPS with Win 10 and Office Home and Student to get Outlook and Excel , but would like to keep some of my financial spread sheets in the cloud so t...
by midareff
Sun Aug 23, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Data in the cloud?
Replies: 27
Views: 1369

Re: Data in the cloud?

I have been using the same trouble free Samsung 27" desktop with (now) Win 10 since 2013. I'd like to add a laptop in either 13" or 15", probably a Dell XPS with Win 10 and Office Home and Student to get Outlook and Excel , but would like to keep some of my financial spread sheets in the cloud so t...
by midareff
Sun Aug 23, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Data in the cloud?
Replies: 27
Views: 1369

Data in the cloud?

I have been using the same trouble free Samsung 27" desktop with (now) Win 10 since 2013. I'd like to add a laptop in either 13" or 15", probably a Dell XPS with Win 10 and Office Home and Student to get Outlook and Excel, but would like to keep some of my financial spread sheets in the cloud so the...