Search found 5692 matches

by midareff
Tue Oct 16, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 39
Views: 2468

Re: trip to Grand Cayman & dieting

My rule is don’t worry about dieting on vacation. Otherwise you know exactly what you need to do. The keep your mouth shut diet hasn’t failed. I try my best to avoid too much weight gain on trips.. we cruise frequently so it's an issue. You just have to give something up IMHO. I'm not giving uthe w...
by midareff
Mon Oct 15, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 2018 Good For Gurus
Replies: 7
Views: 1063

Re: Larry Swedroe: 2018 Good For Gurus

As they say.... nobody knows nothing, and the beat goes on.
by midareff
Mon Oct 15, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 39
Views: 2468

Re: trip to Grand Cayman & dieting

My rule is don’t worry about dieting on vacation. Otherwise you know exactly what you need to do. The keep your mouth shut diet hasn’t failed. I try my best to avoid too much weight gain on trips.. we cruise frequently so it's an issue. You just have to give something up IMHO. I'm not giving uthe w...
by midareff
Sun Oct 14, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 13508

Re: Warning: avoid Windows 10 update 1803

1803 since the May install date. Outlook 10 works fine as do all other programs including many photo software programs.
by midareff
Sun Oct 14, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3032

Re: Reducing overall medical costs. Do we do anything?

My late father was, generally, in excellent health. While he had great respect for the medical professions, especially in his later years, he would only see a doctor if he believed he would die otherwise. Worked for him - he lived to almost 90. My father hated them in his later years as well. ... u...
by midareff
Sun Oct 14, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5851

Re: Neighbor discussing finances with me

No, you really do not have to do something here. Proceed at your own risk. For casual friends I just smile and walk away. For good friends I gift them a book.. a William Bernstein or Bogleheads. Special folks get access to my library one book at a time. A young fellow I befriended has read Bernstei...
by midareff
Sun Oct 14, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3032

Re: Reducing overall medical costs. Do we do anything?

I am not going to go for a doctor for a wellness / regular test this year. Two years ago after retired, I went for my first wellness test on Medicare. Due to billing errors, Medicare denied some of the coverage and it was a real hassle sorting it out. So I decided all of these tests were unnecessar...
by midareff
Wed Oct 10, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4369

Re: When stock and bod drop at the same time, what do you do?

randomizer wrote:
Wed Oct 10, 2018 3:35 pm
Nothing. Not a very exciting reply, but investing isn't supposed to be exciting.
+1
by midareff
Wed Oct 10, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1039

Re: Hiking NH White Mountains. Taking one lens.

I used to shoot Canon and take a backpack full of glass, including big whites. Things have changed, I got older and cameras have changed. I moved on from that backpack of glass and a big FF Canon (5DMKII). Frankly, on ground trips where most of my images are captured I use a Sony RX100 m6 pocket cam...
by midareff
Sun Oct 07, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11479

Re: “It’s probably wise to sell to the sleeping point.”

If someone is close to retirement or in retirement and has the retirement secured, I’d say don’t mess around. Consider doing something more definitive than just 5-10% to lock in the gains of the last decade. Monte Carlo Simulation can be very helpful for these decisions. 8 weeks from retirement and...
by midareff
Wed Oct 03, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: credit card apps (real time notification)
Replies: 9
Views: 598

Re: credit card apps (real time notification)

We are retired and use multiple CC's for the cash rewards. It onlt takes a couple of minutes once a week to keep track of everything with a good password manager and I don't want anything financial connected to my cell phone. Home computer only with Defender and Malwarebytes real time.
by midareff
Wed Oct 03, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Social Security and Asset Allocation
Replies: 50
Views: 4919

Re: Social Security and Asset Allocation

Bapple1420 wrote:
Wed Sep 26, 2018 9:01 am
My goal is to have a 50/50 Stock and Bond Asset Allocation. I calculate a NPV of my Social Security Benefit and include it in my bond allocation. Any thoughts on this?
Social Security is a cash flow, just as pensions or portfolio income are. It is not an asset allocation item.
by midareff
Tue Oct 02, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3098

Re: Anyone ordered a vehicle through a dealership?

We are in the market for a new truck. We have a local dealership where we service and purchase our vehicles. We are looking for a particular vehicle, but we are not seeing it on their lot. Has anyone ordered a vehicle before? How does the process work. Is there any room for negotiation with 2019 ve...
by midareff
Sun Sep 30, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: how to determine the maintenance schedule for newer cars?
Replies: 18
Views: 1259

Re: how to determine the maintenance schedule for newer cars?

Owner's and/or maintenance manual will have the answers.
by midareff
Sat Sep 15, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11704

Re: Age in Bonds - Still Recommended?

LOL, the things that make no sense leading up to and at the time that a record longevity for a bull market has been set will make sense soon enough.
by midareff
Sat Sep 15, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11704

Re: Age in Bonds - Still Recommended?

I remember when the conversation on here during 2009/2010 was about how 60/40 was a good all weather portfolio- now the discussion is about how unnecessary (or rather minimal) a bond position is/should be in making up ones portfolio-just an observation Anyone else remember this? +1, how quickly the...
by midareff
Fri Sep 14, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: What can you homegrown financial management spreadsheet do?
Replies: 21
Views: 1304

Re: What can you homegrown financial management spreadsheet do?

I know many BHs use external software or online services to update and analyze their finances, but many others like me rely on homegrown spreadsheets. This thread is directed at them. It would be interesting to know what facility you've built. I'll start. I have a few connected spreadsheets, all ve...
by midareff
Fri Sep 14, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Pay off 3.125% 152k mortgage early?
Replies: 37
Views: 3200

Re: Pay off 3.125% 152k mortgage early?

Paying off the debt is a reasonable alternative to fixed income investing. OTOH, I personally don't have an issue with a reasonable amount of low interest rate tax deductible debt. You could put the extra income into something like Vanguard's Intermediate Term Tax-Ex Bond Fund and generate some tax...
by midareff
Fri Sep 14, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Credit card question - get Uber's new 4%er?
Replies: 56
Views: 7315

Re: Credit card question - get Uber's new 4%er?

So I have a couple of 10+ year old credit cards (one with rotating 5% and another with 1%), along with a 5 year CC (3% at grocery stores) and a 1 year CC (2% flat). I was debating getting the new Uber credit card with 4% cash back at restaurants/bars, 3% at hotels. I imagine I spend maybe $2500-$40...
by midareff
Fri Sep 14, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6746

Re: Lower Return Decade Says Jack: Thoughts?

The answer is save enough and retire with enough so you are not dependent on returns for your life style. Unfortunately, that plan is to unrealistic for most people. I suspect that is due to most people living larger than necessary and not developing proper habits early on. People can start a disci...
by midareff
Fri Sep 14, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6746

Re: Lower Return Decade Says Jack: Thoughts?

AlphaLess wrote:
Thu Sep 13, 2018 10:25 pm
midareff wrote:
Sun Sep 09, 2018 11:16 am
The answer is save enough and retire with enough so you are not dependent on returns for your life style.
Unfortunately, that plan is to unrealistic for most people.
I suspect that is due to most people living larger than necessary and not developing proper habits early on.
by midareff
Thu Sep 13, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Going to the Everglade. A few questions please.
Replies: 21
Views: 1220

Re: Going to the Everglade. A few questions please.

You can go to the SunPass website and order a pass and have everything set up before you get here. Lots of mosquito repellent. https://www.sunpass.com/en/home/index.shtml Big hats.. sun screen... lots of mosquito repellent. Leave the local orchids alone if you run across any, the troopers won't like...
by midareff
Thu Sep 13, 2018 7:26 am
Forum: Investing - Help with Personal Investments
Topic: What do I do with my investments during a downturn/recession?
Replies: 24
Views: 2825

Re: What do I do with my investments during a downturn/recession?

Stay with your plan and keep buying. There is nothing better than buying stocks at a fire sale.
by midareff
Wed Sep 12, 2018 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 42
Views: 3253

Re: Opinion's: Best time to withdraw RMD's when required to do so.

I simply withdraw (automatically) 1/12 of the required RMD monthly in the form of a transfer from VG to bank. It's just another source of income besides SS, pension, Roth, dividends from taxable and so forth.
by midareff
Tue Sep 11, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a point where you should stop or hold off rebalancing?
Replies: 15
Views: 1105

Re: Is there a point where you should stop or hold off rebalancing?

There are some interesting papers on the subject.. https://www.kitces.com/blog/how-rebalancing-usually-reduces-long-term-returns-but-is-good-risk-management-anyway/ http://resource.fpanet.org/resource/09BBF2F9-D5B3-9B76-B02E27EB8731C337/daryanani.pdf https://seekingalpha.com/article/58561-in-favor-o...
by midareff
Mon Sep 10, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: One bond fund is enough?
Replies: 16
Views: 1726

Re: One bond fund is enough?

Hello, I’m about to invest for the first time, with Vanguard, and spoke to one of their advisors by phone twice and he set up a plan, which I might choose to follow. He gave some recommendations for how to invest the bond portion of my portfolio, namely separated into these funds: Vanguard Total Bo...
by midareff
Mon Sep 10, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8502

Re: Can Sneakers go with Business Casual?

Makes me so glad I'm retired and in South Florida. AFAIC, a shirt with a collar and long pants are formal wear.
by midareff
Mon Sep 10, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6746

Re: Lower Return Decade Says Jack: Thoughts?

The answer is save enough and retire with enough so you are not dependent on returns for your life style. Bingo. Why count on investment growth above inflation to sleep at night during your retirement? Of course, I'm saving and making all I can...but isn't the whole idea of this blog and investing ...
by midareff
Sun Sep 09, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6746

Re: Lower Return Decade Says Jack: Thoughts?

The answer is save enough and retire with enough so you are not dependent on returns for your life style.
by midareff
Sun Sep 09, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1574

Re: Good photo book printer for image quality

Just a thought... do the book in Lightroom as others suggested and then burn it to CD and distribute that. I suspect the CD will go unlooked at as much as the book.
by midareff
Sun Sep 09, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 6873

Re: Cell phone tip: block callers

I recently installed the Hiya app based on recommendations from this forum. It seems to recognize spam / robo numbers and will block them. I have had the same message left by many different numbers about some health insurance nonsense. Hoping Hiya will put an end to this annoyance. I use my cell ph...
by midareff
Sun Sep 09, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 56
Views: 9504

Re: Bored

Sounds like you need a new hobby.
by midareff
Sun Sep 09, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: car purchase feedback experience
Replies: 20
Views: 1225

Re: car purchase feedback experience

About 9 months ago shopping for a new ride (and a deal on it) I had an internet sales manager be extremely deceitful and outright lie about a test drive he promised but did not allow when I arrived in person. A few months later a new GM sent me an inquiry as to how things had gone. I told him along ...
by midareff
Sun Sep 09, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth doing a small Roth conversion now?
Replies: 16
Views: 1103

Re: Is it worth doing a small Roth conversion now?

Yes, open a roth now to start the clock. Absolutely YES. This is something you can never go wrong with and max it every year if you can. I regret the years I skipped funding mine (after starting it) although funneling every penny into a 457 (b) was most worthwhile. Tax free withdrawals regardless o...
by midareff
Sun Sep 09, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 18669

Re: Why Bull Markets Are Dangerous

According to one of the newsletter writers I follow, we are in the beginning of the last great "Melt-Up" before stocks peak. So, watch the charts of the FAANG's for a blow-off top like the one in 2000. Of course the real problem is that could have started last week and you won't know until the char...
by midareff
Sat Sep 08, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 46
Views: 4063

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

I had a Mercedes C350 I bought new and drove for 5 years. It was a great, comfortable and trouble free car and I traded it for a 2018 AMG C63S Sedan I custom ordered. I've had it for 6 months now, also trouble free. Remembering I am a 70 year old retiree this car is great for me, pure fun to drive. ...
by midareff
Fri Sep 07, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: returns for the next decade
Replies: 40
Views: 4268

Re: returns for the next decade

nobody knows nothing.... it's just a life long ride.
by midareff
Wed Sep 05, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5921

Re: Elderly (innocent) relative received this horrible email

I received this same email in my spam folder of Gmail awhile back. Weird thing is the "password" they thought they had to my email was infact the pw to a utility acct login. I will say the pw was fairly unique. I ran many malware utilities and virus scans. Not much showed up but PUP files that were...
by midareff
Wed Sep 05, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1243

Re: Your experience with Nitrous for a dental implant?

I had nitrous more than 50 years ago for wisdom teeth. Every procedure since then, implants, bone grafts, etc., are done awake with Novocaine.
by midareff
Wed Sep 05, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 5920

Re: Selling a car to CarMax

I've actually done this three times now. ... sorta. Twice I did and once which was an even better deal since it reduces sales tax. Could npt negotiate them up, what they offer is what they offer.
by midareff
Tue Sep 04, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: "Take risk on the equity side" -> Drop corporate bonds from bond fund? AAA-AA gov only? [Non-US]
Replies: 22
Views: 1295

Re: "Take risk on the equity side" -> Drop corporate bonds from bond fund? AAA-AA gov only? [Non-US]

Although it's a popular saying around this forum, not all investors agree with the statement, "take your risk on the equity side." In fact, the largest bond index funds include a significant share of corporate bonds. Indeed. Perhaps it isn't inherently wrong to have slightly more risk present in th...
by midareff
Mon Sep 03, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7249

Re: Fidelity Rewards Visa Card

I came to know about this card, it gives 2% cash back. For every $2500 spent, it deposits $50 in the fidelity account. Here are remaining details http://www.fidelityrewards.com/credit/benefits.do What I would like to know is would this cash be treated as income? so far other credit cards I have it ...
by midareff
Mon Sep 03, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Do you take advantage of all identity monitoring offers?
Replies: 20
Views: 1151

Re: Do you take advantage of all identity monitoring offers?

With all of the data breaches these days, it seems like we get several overlapping offers for free identity monitoring services due to hacks, employees falling for a phishing scam, etc. Should we sign up for everything that is available or is one enough? We have all credit and checking bureaus froz...
by midareff
Mon Sep 03, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: (FREE!) Art Collecting Event... what's the catch?
Replies: 11
Views: 1317

Re: (FREE!) Art Collecting Event... what's the catch?

PFInterest wrote:
Sun Sep 02, 2018 9:43 am
the angle is to get her to buy more useless things.....
she has money to spend at auctions.... they have stuff they want to exchange for her money. Seems pretty simple to me.
by midareff
Sat Sep 01, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Anyone investing in Municipal bonds ?
Replies: 46
Views: 3250

Re: Anyone investing in Municipal bonds ?

VWIUX, which is the Intermediate Term Admiral. It is currently yielding about 2.9% tax exempt and is up about 1% for the year. No and No, both yield and returns are available on the link below. https://investor.vanguard.com/mutual-funds/profile/performance/vwiux Why don't you track the actual month...
by midareff
Sat Sep 01, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Anyone investing in Municipal bonds ?
Replies: 46
Views: 3250

Re: Anyone investing in Municipal bonds ?

VWIUX, which is the Intermediate Term Admiral. It is currently yielding about 2.9% tax exempt and is up about 1% for the year.
by midareff
Thu Aug 30, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9928

Re: How do you save money on groceries?

First, we use an AMEX 6% cash back card. After $95 annual fee it's still $265 cash back on $6K of grocery purchases. My wife hates to spend money and doesn't eat meat or fowl so that cuts back some. I rarely eat read meat. We take advantage of BOGO and WAS, and will stock up. Most consumables such a...
by midareff
Thu Aug 30, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: 0% card to another 0%?
Replies: 21
Views: 1378

Re: 0% card to another 0%?

I'd transfer the $10K to another free/free/free card but I would start paying $1K a month to blow it out in ten months.
by midareff
Mon Aug 27, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8731

Re: Ladies: bra shopping question

If a guy may respond??? There are hundreds of Sears Bras listed on eBay. Have you looked?