Search found 4698 matches

by midareff
Mon Jul 24, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: After market extended warranty new vehicle - worth it?
Replies: 14
Views: 744

Re: After market extended warranty new vehicle - worth it?

I'll sell you the same policy for 4%. See if you can find me in three years.
by midareff
Sun Jul 23, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 18
Views: 1193

Re: Lifetime Tire Alignment

The last alignment I had was in 2000 and was a special alignment for a car being auto-crossed. If your tires are wearing evenly across the face (as measured with a gauge) within one or two 32nds and without cupping you don't need an alignment. If you are doing front end work such as replacing tie ro...
by midareff
Sat Jul 22, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 53
Views: 2138

Re: Commuters (that drive), what do you listen to?

Coffeehouse on Sirius when commuting and now retired it's still on. Probably a waste of a hundred a year.
by midareff
Sat Jul 22, 2017 8:26 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 226
Views: 36165

Re: South Florida Local Chapter

Miriam2 wrote:
midareff wrote:SHOUT!

Thanks midareff, you're on the list :D (Please bring stories of Alaska 8-)


will bring wife too. LOL, we leave for Maine August 10th, so it's almost packing time again.
by midareff
Thu Jul 20, 2017 6:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 226
Views: 36165

Re: South Florida Local Chapter

We have 36 Bogleheads coming to our next local chapter meeting, including 9 brand-newbies - welcome! Yes Mr. Dogg and Kitty (no pun :happy ) I have you both on the list. For those who have responded via our South Florida gmail, I should have replied to you confirming we received your gmail. If you ...
by midareff
Thu Jul 20, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 161
Views: 7057

Re: Can anyone convince me I need international stock in my portfolio?

The only free lunch in investing is diversification. Adding international adds diversification. Other than that, it's your money so invest it anyway you like. None of us are here to try to convince you of anything. Is all diversification good? If that was true, wouldn't we all own REITs and commodi...
by midareff
Thu Jul 20, 2017 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 161
Views: 7057

Re: Can anyone convince me I need international stock in my portfolio?

The only free lunch in investing is diversification. Adding international adds diversification. Other than that, it's your money so invest it anyway you like. None of us are here to try to convince you of anything.
by midareff
Thu Jul 20, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Partial withdrawal strategies
Replies: 5
Views: 402

Re: Partial withdrawal strategies

Hi everyone. This is my second question to this forum. I was blown away with all the great advice and different perspectives I got from my first question. I hope I can learn even half as much this time. I have $2 million dollars to invest for long term growth to pass on to heirs or donate to charit...
by midareff
Wed Jul 19, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: What to do with increased monthly free cash flow?
Replies: 8
Views: 791

Re: What to do with increased monthly free cash flow?

ruralavalon wrote:I suggest paying of the HELOC before it bumps to 4.75%.



I'd do a combination of this and add to my cash/emergency position as you said some employment turmoil could be in the future.
by midareff
Wed Jul 19, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Schwab's Modern Approach to Asset Allocation - Comments
Replies: 28
Views: 2433

Re: Schwab's Modern Approach to Asset Allocation - Comments

where the importance of being "nimble" is included in a conclusion it says everything I need to know.
by midareff
Wed Jul 19, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Considering pension plan in asset allocation
Replies: 37
Views: 1390

Re: Considering pension plan in asset allocation

I never considered my pension part of my AA. In planning it was a an income stream, nothing more and nothing less. We also had a deferred compensation plan that was self-directed with access to Schwab. That was invested in Vanguard funds and was part of my AA with considerations to the holdings in m...
by midareff
Tue Jul 18, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Dilemma about car dealership service bill error
Replies: 29
Views: 2271

Re: Dilemma about car dealership service bill error

They gave you a price, you accepted. They gave you a bill, you paid it. It's all done as far as I'm concerned. I would not pay any additional charges.
by midareff
Mon Jul 17, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 67
Views: 2905

Re: Essential Bike (bicycle) Accessories

So my wife and I just picked up our first bikes in a long time...very happy! Rode all over town yesterday. Now we have the "necessary" task of stocking up on all the essential extras we're going to want/need. In addition to helmets, we are loosely planning on a few items... 1. Prob a smal...
by midareff
Mon Jul 17, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8213

Re: Personal Finance Milestone: 20 Times Annual Expense

Awesome, man. Glad you are sharing the wisdom that has worked for you. Always appreciate your perspective on these threads. aristotelian, Thank you. But, I would not use the word, "wisdom" for myself. I am just a guy that made a lot of mistakes. I just hope that my lessons from my failure...
by midareff
Mon Jul 17, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: depleting accounts in retirement
Replies: 27
Views: 4787

Re: depleting accounts in retirement

I maintain a similar AA in taxable and tax advantaged but not in the Roth, which is 100% equities. I'll be 70 in December, have been drawing from taxable in addition to SS (started at 65, retired at 64) and have a pension which accounts for about 40% of my income. The balance being portfolio 40% and...
by midareff
Mon Jul 17, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Hearing 3 beeps in Prius 2005
Replies: 23
Views: 1466

Re: Hearing 3 beeps in Prius 2005

In my Camry Hybrid 3 beeps means that the car is running but you just closed the door and it can't detect the key fob inside the car any more. Try starting the Prius, then hand the only fob out the window to someone and drive off (but be sure to drive back to where the fob is before turning off the...
by midareff
Sat Jul 15, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Does pension change allocation of funds?
Replies: 30
Views: 2086

Re: Does pension change allocation of funds?

FWIW... retirement spending comes from income streams. A pension is one stream, SS is another, an annuity would be another and a portfolio is still another. Thereby the portfolio should be structured to be risk appropriate for the income stream it is to produce. You don't want to risk early depletio...
by midareff
Sat Jul 15, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3155

Re: What am I missing here? [I'm a bachelor]

Looked at a house today, $240,000 with a 30 year fixed at 3.75% APR I will pay $270,000 in interest/$510,000 total principle+interest at the end of the 30 years. Add in all the home maintenance, and the taxes. This is why I rent. I have no kids, no wife. Don't need it. The white picket fence Americ...
by midareff
Sat Jul 15, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 144
Views: 13225

Re: How are folks handling the unprecedented rise in the market ?

As the market continues to rise, I am continuing with my program of mild re-balancing from stocks to bonds, a program I have been on since July 2013. Pretty much, I have kept my asset allocation steady. Same as Nedsaid. Stock market returns and risk are primarily determined by your asset allocation...
by midareff
Fri Jul 14, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 4586

Re: My first poor Ally Bank experience

No issues with Ally here.... bought 3 of those No Penalty CD's band, bang, bang. Use their automated deposits and withdrawal system to move money (small sums) to my Credit Union several times a month to keep it off the no activity list.
by midareff
Thu Jul 13, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: 13 year old with $2000 to invest
Replies: 20
Views: 2086

Re: 13 year old with $2000 to invest

My 13 year old daughter has earned over $2000 doing odd jobs. Right now the money is earning 1.15% in Ally Savings. She doesn't need the money any time soon, and she is a reasonable spender. When she is 16 we will ask her for $1000 to go toward a used car that we get for her. My question is what sh...
by midareff
Thu Jul 13, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 6635

Re: Do you consider business travel to be a perk or a burden?

I'm finding myself in a position that requires a fair amount of business travel. Some of the travel is to international locations and some is to domestic locations. I'm wondering if I should continue accepting the business travel assignments. How do you perceive business travel in today's world? Is...
by midareff
Thu Jul 13, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage on horizon - Question on Pre-Marital $ vs. Post Married $
Replies: 21
Views: 2885

Re: Marriage on horizon - Question on Pre-Marital $ vs. Post Married $

Consult a lawyer in your area who specializes in marital law in your state.
by midareff
Thu Jul 13, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: REIT Fund Question
Replies: 11
Views: 1007

Re: REIT Fund Question

My former workplace charged $75 a year whether you had $10K or $1M invested. .36% is a pure ripoff. Yea, I can see how .36% is a bad deal. I don't think I'm alone in this though, a lot of 401k plans have that hidden record keeping fee that you have to dig into the plan information to find. To be fa...
by midareff
Thu Jul 13, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 35
Views: 2919

Re: Jewelry insurance. Is it ever worth it?

I had a few pieces insured and the cost got to about $1200 a year for insurance so I dropped the insurance and went with a bank vault box. That was too inconvenient so when I moved to the current apartment I had a safe installed. Two of the pieces I recently sold, not for the money but because I fou...
by midareff
Thu Jul 13, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 7022

Re: Do you count vehicle equity in net worth?

I don't although I could have taken cabs everywhere the last 5 years and it would have cost far less than the car + insurance + maintenance.
by midareff
Wed Jul 12, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 1671

Re: Credit card vrs checking account for utility bills

I have been having the utility company's, (gas, water, electric, cable) auto withdrawal from my checking account for the monthly bills. Been doing it for 17+ years without issue. Just wondering if it would be prudent to change that and have them charge my credit card instead. Seems like it would of...
by midareff
Wed Jul 12, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 10816

Re: What do you splurge on?

A few years back my wife and I thought felt that we were spending too much money on frivolous items and not spending money buying things that we used more often. Our realization came as I was trying to find cheap work shoes after spending a hundred dollars on something else (I don't even remember w...
by midareff
Wed Jul 12, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: better parking place than FTEXX?
Replies: 29
Views: 1421

Re: better parking place than FTEXX?

Ah, I see. But if I'm taking money from SPAXX and buying BND as part of my restructuring toward a 50/50 or 40/60 AA, shouldn't I care more about dividends than its NAV during an equity upsurge? No. You invest in a portfolio to attempt to earn a certain return. But return is variable so the plan is ...
by midareff
Wed Jul 12, 2017 6:30 am
Forum: Investing - Help with Personal Investments
Topic: better parking place than FTEXX?
Replies: 29
Views: 1421

Re: better parking place than FTEXX?

Better in an Ally Savings account at 1.15% or an 11 month CD at 1.5% which has no break penalty after 6 days and pays accumulated interest if you do. Of course that depends on your tax bracket. For me it is neck and neck whether Ally's savings or the Municipal money market provides more after tax r...
by midareff
Wed Jul 12, 2017 6:23 am
Forum: Investing - Help with Personal Investments
Topic: better parking place than FTEXX?
Replies: 29
Views: 1421

Re: better parking place than FTEXX?

There seem to be very frequent questions about how to squeeze the last few basis points out of cash-equivalents. But it's such a small amount of variance in absolute dollar terms I wonder why it gets so much attention. There's a noticeable variance between dividends/interest I get from my 63k in SP...
by midareff
Tue Jul 11, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: better parking place than FTEXX?
Replies: 29
Views: 1421

Re: better parking place than FTEXX?

There seem to be very frequent questions about how to squeeze the last few basis points out of cash-equivalents. But it's such a small amount of variance in absolute dollar terms I wonder why it gets so much attention. There's a noticeable variance between dividends/interest I get from my 63k in SP...
by midareff
Tue Jul 11, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: better parking place than FTEXX?
Replies: 29
Views: 1421

Re: better parking place than FTEXX?

Better in an Ally Savings account at 1.15% or an 11 month CD at 1.5% which has no break penalty after 6 days and pays accumulated interest if you do. Of course that depends on your tax bracket. For me it is neck and neck whether Ally's savings or the Municipal money market provides more after tax r...
by midareff
Tue Jul 11, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: better parking place than FTEXX?
Replies: 29
Views: 1421

Re: better parking place than FTEXX?

Better in an Ally Savings account at 1.15% or an 11 month CD at 1.5% which has no break penalty after 6 days and pays accumulated interest if you do.
by midareff
Tue Jul 11, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: REIT Fund Question
Replies: 11
Views: 1007

Re: REIT Fund Question

with an .24% ER and .36% Record Keeping Wha?? More than a third of a percent for record keeping?? Is that a joke? What have been the returns on these funds? For some perspective, VGSLX has an ER of .12, and a nearly 11% return (before taxes) since inception (ten year is 6.18%). https://personal.van...
by midareff
Tue Jul 11, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Keeping Pre-Marital Property Separate
Replies: 22
Views: 2257

Re: Keeping Pre-Marital Property Separate

Find an attorney in your area that specializes in divorce. Make an appointment with that attorney. Follow their advice and don't assume you know the law. Yes, I'm quoting myself to add a point. Just because you are each other's love of your life now do not assume that hate or loathing or a maliciou...
by midareff
Tue Jul 11, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Keeping Pre-Marital Property Separate
Replies: 22
Views: 2257

Re: Keeping Pre-Marital Property Separate

Find an attorney in your area that specializes in divorce. Make an appointment with that attorney. Follow their advice and don't assume you know the law.
by midareff
Tue Jul 11, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Which apartment should we rent?
Replies: 22
Views: 1970

Re: Which apartment should we rent?

Option 1.. soo much better eye appeal........ end of story.
by midareff
Mon Jul 10, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6278

Re: anyone retire and move to a planned community in FL?

Friend who moved to the Villages from Miami about 4 years ago could not be happier with that move.
by midareff
Sun Jul 09, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: September short trip ideas
Replies: 32
Views: 2226

Re: September short trip ideas

jebmke wrote:One week is too short for international trip (ex Canada/Mexico/Central America maybe). You lose two days travel time - way too much travel overhead. Two weeks minimum for Europe and three for Asia.


three for Africa as well.
by midareff
Sun Jul 09, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: William Bernstein on Meb Faber's podcast
Replies: 54
Views: 6588

Re: William Bernstein on Meb Faber's podcast

W. Bernstein advocates not having money in stocks that you need for the next 10-15 years. (can't find the exact spot where he says this, but this is my memory - might have been a straight "15 years", and I am adding the "10"). Wow - this is a long time, and very few retirees can...
by midareff
Sun Jul 09, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 32
Views: 2342

Re: Luggage recommendation

Have had great results with a variety of bags... retired and we travel frequently ebags.com
by midareff
Sun Jul 09, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 56
Views: 4025

Re: Medicare Supplement Policies?

Plan F in South Florida. No deductibles or co-pays or issues with existing conditions. Any doctor that takes medicare accepts it too.
by midareff
Sun Jul 09, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Excel 2010 and Windows 7 -- Where to go from here?
Replies: 39
Views: 2725

Re: Excel 2010 and Windows 7 -- Where to go from here?

Ran Office 2010 on Win 7, then Win 8 and now Win 10. Financial books with graphs and much data... no issues on Win changes.
by midareff
Sun Jul 09, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 38
Views: 3947

Re: Do not buy new cellphones on ebay

I have purchased at least 7 or 8 Motorola and lately Samsung phones on eBay. All new and all unlocked AT&T. The last three were a Galaxy S5 and two Galaxy S7 Edge and all worked perfectly on AT&T and when switched to Consumer Cellular. We keep them two years and then replace and sell on eBay...
by midareff
Sun Jul 09, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: September short trip ideas
Replies: 32
Views: 2226

Re: September short trip ideas

http://www.fryemontinn.com/

Drive to and have river rafting, hiking, canoeing, exploring waterfalls, Cades Cove, Smoky Mountains National Park, Smoky Mountains Railroad and much more.
by midareff
Sat Jul 08, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: health insurance after retirement?
Replies: 29
Views: 2670

Re: health insurance after retirement?

I have been able to find any dental coverage worth having and an extraction with implant and crown blows that budget line item away in a heartbeat, as does most anything dental. I was never able to make the numbers work on dental insurance for retirement. Dental and vision can be significant hits. ...
by midareff
Sat Jul 08, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: health insurance after retirement?
Replies: 29
Views: 2670

Re: health insurance after retirement?

We are aged 69.5 and 54 (on Monday) respectively. Medicare for me is $112 a month. United AARP Plan F is $262 a month + $72 a month for drug coverage. No deductibles, no copays and reasonable drug charges once you get situated with generics. Got my wife on my former employer's self insured plan wher...
by midareff
Sat Jul 08, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11387

Re: "Bond wipeout has just begun"???

TheTimeLord wrote:
midareff wrote:Hmmmm... Ally is offering 1.5% interest on an 11 month CD that can be broken after the first six days penalty free, and you keep earned interest. Savings is also up to 1.15%


I have taken advantage of this offer.



Same here.....

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