Search found 5914 matches

by midareff
Fri Feb 15, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever heard of an unsolicited retroactive pay raise?
Replies: 10
Views: 411

Re: Anyone ever heard of an unsolicited retroactive pay raise?

Rupert wrote:
Fri Feb 15, 2019 2:33 pm
My guess would be that someone -- another female employee -- has won an EEOC claim against them and that this is, as the prior poster said, a compliance issue.
Bingo they called from the back of the room.
by midareff
Fri Feb 15, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: Which sports car ride in Nice, France?
Replies: 7
Views: 453

Re: Which sports car ride in Nice, France?

Why not ask HER?
by midareff
Thu Feb 14, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fast turnaround on Federal Tax
Replies: 15
Views: 1538

Re: Fast turnaround on Federal Tax

Turbo filed Feb 4, refund in bank Feb 13.
by midareff
Thu Feb 14, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: How to live well in retirement below the poverty line (not pay taxes)
Replies: 40
Views: 4019

Re: How to live well in retirement below the poverty line (not pay taxes)

My real question is what's the best way to maximize income while paying little to no tax after retirement? Is the key to have a sizeable cash stash and draw primarily from that, reducing your withdrawals from 401(k) until one has to look at RMDs? Any other tips? While doing everything possible, pru...
by midareff
Thu Feb 14, 2019 7:55 am
Forum: Personal Investments
Topic: Missed the Boat!!
Replies: 47
Views: 6026

Re: Missed the Boat!!

To be frank, you cannot trust you 'gut feelings' to determine when you should be in stocks. And it's not just you: no one can. You need to find and adopt an asset allocation that you can stick with. It's really just that simple. Totally agree with WT. The only thing your gut can tell you is how lun...
by midareff
Wed Feb 13, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: One week family vacation in Miami/Fort Lauderdale Area
Replies: 27
Views: 1346

Re: One week family vacation in Miami/Fort Lauderdale Area

Folks, I assume that the toll tag with the rental car is registered to the rental car company. When I return the rental car, the rental car company will record the return data and time and send me a bill or charge me for the toll later. How do I verify that the rental car company did not make a mis...
by midareff
Wed Feb 13, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: One week family vacation in Miami/Fort Lauderdale Area
Replies: 27
Views: 1346

Re: One week family vacation in Miami/Fort Lauderdale Area

Folks, I assume that the toll tag with the rental car is registered to the rental car company. When I return the rental car, the rental car company will record the return data and time and send me a bill or charge me for the toll later. How do I verify that the rental car company did not make a mis...
by midareff
Wed Feb 13, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: One week family vacation in Miami/Fort Lauderdale Area
Replies: 27
Views: 1346

Re: One week family vacation in Miami/Fort Lauderdale Area

midareff, <<May is already quite warm here.>> Miami could never be too warm for me. I was from a tropical country. It takes about above 90% humidity for me to sweat. :-) <<is this a beachy type vacation? or, plan on getting around lots?>> Probably a split between beaches, places, and boat cruise/tou...
by midareff
Wed Feb 13, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: One week family vacation in Miami/Fort Lauderdale Area
Replies: 27
Views: 1346

Re: One week family vacation in Miami/Fort Lauderdale Area

Folks, I am planning to bring my family down to the Miami area for one week vacation during May. We plan to fly into the Fort Lauderdale. What is the pro and con of renting a car versus stay in some place (AirBnB?) with public transportation? We heard about the tolls and parking meters and so on. D...
by midareff
Tue Feb 12, 2019 8:04 am
Forum: Personal Investments
Topic: Family member's portfolio - best course of action?
Replies: 7
Views: 442

Re: Family member's portfolio - best course of action?

I may have overlooked some key areas so let me ask... Did your aunt ask you to have a look and give her some advise? Is she unhappy with the service provided by Merrill? Is she financially needy so that $225 a month will make a difference in her life? I ask these questions since you will be the one ...
by midareff
Mon Feb 11, 2019 4:29 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard cuts expected stock market returns over the next decade]
Replies: 26
Views: 3061

Re: Vanguard cuts expected return for stocks

https://www.cnbc.com/2019/02/11/vanguard-cuts-expected-return-for-stock-market-over-the-next-decade.html? Is this before or after inflation ? 5% after inflation is still not too bad Since we don't know what inflation will be that's a tough question to answer by any measure. Jack seemed fond of sayi...
by midareff
Mon Feb 11, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 103
Views: 7631

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

squirm wrote:
Sun Feb 10, 2019 12:43 pm
F150HD wrote:
Sun Feb 10, 2019 12:01 am
squirm wrote:
Sat Feb 09, 2019 10:16 pm
6 years and replace tires? I've got tires on a pickup that are almost 20 years old.
wow.....hoping you don't keep your underwear that long! :P
Ten years and counting.
LOL.. takes that long to break them in.
by midareff
Sun Feb 10, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 103
Views: 7631

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

You bought and paid for new tires, they gave you three year old tires. NOT acceptable. To me.. .. tires are an integral part of a vehicles safety. Wet and dry traction, resistance to aquaplaning and so forth are prime considerations when I replace.... which often means I am at the top of Michelin's ...
by midareff
Sun Feb 10, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 34
Views: 2423

Re: Travel to Cuba

I went in February of 2017 on a weeks cruise. We spent 2 days in Havana, a day in Cienfuegos and a day in Santiago de Cuba. The ship was the Adonia which has since been reassigned elsewhere. It was beautiful on board, everything looked brand new, and the food and entertainment were terrific. Ground ...
by midareff
Sun Feb 10, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 94
Views: 10362

Re: Diamonds are forever.

What is an appropriate amount to spend? Not sure about that "6 months of salary" the jewelry stores like to peddle. Only DW can answer that. For my DW the answer is unequivocally zero. I took mine to a jeweler friend to look at rings and she said gold and diamonds didn't mean anything, leave the mo...
by midareff
Sun Feb 10, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: People with websites as side hustle or business, what marketing channels do you use
Replies: 23
Views: 2030

Re: People with websites as side hustle or business, what marketing channels do you use

I have a website that I do not operate for profit. It contains my travel photography, which is all annotated as to what and where. While any of the images can be purchased in any form from digital download to metal wall hanging or coffee cup, Google periodically does a crawl and picks up the annota...
by midareff
Sat Feb 09, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: Sector performance data
Replies: 6
Views: 375

Re: Sector performance data

You can do that yourself. Take a M* porfolio and enter as many sector funds as you wish to follow. In view(s) you can arrange various self sorting time periods that interest you. Sorry, what is M* portfolio? Is that a software program? That is Morningstar (M*) you can set up a free portfolio to tra...
by midareff
Fri Feb 08, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: "Living comfortably in retirement"
Replies: 71
Views: 8746

Re: "Living comfortably in retirement"

It's meaning to us .... all base living expenses covered with annuities (pension and SS) and investments produce sufficient income for liberal international travel and luxuries. SWAN every night. We could move to bigger and/or better but are comfortable right where we are.
by midareff
Fri Feb 08, 2019 10:40 am
Forum: Investing - Theory, News & General
Topic: Sector performance data
Replies: 6
Views: 375

Re: Sector performance data

You can do that yourself. Take a M* porfolio and enter as many sector funds as you wish to follow. In view(s) you can arrange various self sorting time periods that interest you.
by midareff
Thu Feb 07, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Upgrade from Bose 301
Replies: 44
Views: 2568

Re: Upgrade from Bose 301

OMG, ther sis so much out ther ethat really thumps...... in home auditions only.
by midareff
Wed Feb 06, 2019 3:57 am
Forum: Personal Finance (Not Investing)
Topic: People with websites as side hustle or business, what marketing channels do you use
Replies: 23
Views: 2030

Re: People with websites as side hustle or business, what marketing channels do you use

I have a website that I do not operate for profit. It contains my travel photography, which is all annotated as to what and where. While any of the images can be purchased in any form from digital download to metal wall hanging or coffee cup, Google periodically does a crawl and picks up the annotat...
by midareff
Wed Feb 06, 2019 3:48 am
Forum: Personal Finance (Not Investing)
Topic: Market timing and RMD's:
Replies: 8
Views: 685

Re: Market timing and RMD's:

I (auto) withdraw RMD's on a monthly basis of 1/12 the required annual amount. It goes to a bank for spending, mostly on travel.
by midareff
Wed Feb 06, 2019 2:39 am
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 7587

Re: If you are old, why bother with rebalancing!!?

After seeing all the many many threads on how to rebalance and how to set up a retired person's portfolio along with all the "I didn't hit my rebalancing trigger even though the market dropped 20%" posts, I have come to the conclusion that ... If one has any portfolio of equities:bonds in an asset ...
by midareff
Mon Feb 04, 2019 12:11 pm
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3133

Re: Besides your core.. anyone also hold a play account?

There's a casino about a mile from my house and I'd go there before I'd play with investing. As it is, I've found far more fulfilling things to do with my time than go to a casino (like marveling at the bunnies who are back outside my kitchen window after I was sure the coyotes got them). I'm aware...
by midareff
Mon Feb 04, 2019 9:06 am
Forum: Personal Investments
Topic: Help Convincing Spouse
Replies: 60
Views: 4422

Re: Help Convincing Spouse

It's money and should be treated as money. Read the books in the wiki.. start with Bogle.
by midareff
Mon Feb 04, 2019 9:03 am
Forum: Personal Investments
Topic: Taxable/Only bond fund for 81-year-old father
Replies: 13
Views: 870

Re: Taxable/Only bond fund for 81-year-old father

Instead of concentrating on SEC Yield you might want to have a look at and review actual distribution history.
by midareff
Mon Feb 04, 2019 8:43 am
Forum: Personal Investments
Topic: We won the game, went to 50/50, but it just doesn't feel right
Replies: 108
Views: 11448

Re: We won the game, went to 50/50, but it just doesn't feel right

7 years retired, same basic AA as a decade + ago. Target was 48/48/4 .. equities, FI and bank cash. 55% of monthly income via annuities, pension and SS. Very SWAN. Portfolio pays for travel and luxuries. Not willing to risk what I am enjoying to make more money I probably can't use.
by midareff
Sun Feb 03, 2019 9:52 pm
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3133

Re: Besides your core.. anyone also hold a play account?

Just curious what others are doing.... rarely do anything but rebalance the core depending on balance bands but have a play portfolio = to about 7% of total and trade 9 or 10 times a year there. What about you? Husband used to have a play account :annoyed Bought Lucent Technologies in 1996 at $64/s...
by midareff
Sun Feb 03, 2019 11:52 am
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3133

Re: Besides your core.. anyone also hold a play account?

Just curious what others are doing.... rarely do anything but rebalance the core depending on balance bands but have a play portfolio = to about 7% of total and trade 9 or 10 times a year there. What about you? FWIW, it's not exactly hit and miss although sometimes it is. I track specific sector an...
by midareff
Sun Feb 03, 2019 11:18 am
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3133

Besides your core.. anyone also hold a play account?

Just curious what pthers are doing.... rarely do anything but rebalance the core depending on balance bands but have a play portfolio = to about 7% of total and trade 9 or 10 times a year there. What about you?
by midareff
Sun Feb 03, 2019 9:01 am
Forum: Personal Investments
Topic: Withdrawl Question: taxable vs deferred, bonds vs stocks
Replies: 7
Views: 527

Re: Withdrawl Question: taxable vs deferred, bonds vs stocks

Prior to 70.5 I was doing Roth Conversions to the top of my tax bracket. Now that I've started RMD's (2018) I withdraw from my IRA, my Roth and my taxable account monthly. Present WR is 5.2% - 5.4%. Taxable and IRA accounts are roughly equal at near 50/50 equities to bonds and the Roth is 100% equit...
by midareff
Sat Feb 02, 2019 8:52 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 17
Views: 1822

Re: Vanguard Personal Advisor Services

At last Sunday's South Florida Bogleheads Chapter meeting we had a rep from Vanguard Financial Services. I believe they can manage a portfolio within a trust and while I'm the numbers guy in our union she is the artsy creative one and can't handle paperwork very well. She's younger than me and I thi...
by midareff
Sat Feb 02, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards - Autopay inconsistent across companies?
Replies: 40
Views: 1668

Re: Credit Cards - Autopay inconsistent across companies?

I use autopay in full for all credit cards. The only catch in some cases is startup time is not uniform. Some companies can start immediately and some require 45 to 60 days for it to be effective in my experience.
by midareff
Sat Feb 02, 2019 8:41 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 97
Views: 8671

Re: Ally Bank's nightmarish online reviews -- should I be worried?

I've been with Ally since 2011. Checking, multiple savings accounts and ties to several other banks and investment houses with scheduled in's and outs and periodic transfers. Have had numerous CD's as well. Never any issues.
by midareff
Sat Feb 02, 2019 7:51 am
Forum: Personal Investments
Topic: Personal Financial Snapshot - How are we doing?
Replies: 14
Views: 1752

Re: Personal Financial Snapshot - How are we doing?

I think you are doing great, kill that student loan.
by midareff
Sat Feb 02, 2019 7:48 am
Forum: Personal Investments
Topic: RMD at 70.5 - what am I missing?
Replies: 60
Views: 4486

Re: RMD at 70.5 - what am I missing?

I really don't think about it at all. It's a requirement so we do it. We also have a taxable account we draw from as well as a Roth, SS and a pension. They are all simply cash flows. We live modestly, pay our bills project and dial in our EFTPS for the coming year and spend the rest on international...
by midareff
Thu Jan 31, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: How has your saving strategy changed over time?
Replies: 14
Views: 1321

Re: How has your saving strategy changed over time?

It changed not at all. Every time I got a COLA or a raise I took a small bit for my pocket and the rest went to additional deferred comp savings until I reached max, and stayed at max near 26 years. At the time for many years I was single and was consciously dedicating today's frivolous good times f...
by midareff
Thu Jan 31, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 144
Views: 7595

Re: Were you 100% debt free at retirement

Time Lord... I believe in good debt. I am 7 years retired and have roughly $225K in debt for mortgage @ 3% and a car at 1.49% combined. IT Tax-Ex in taxable is paying roughly 2.94% tax exempt and the 3.0% on the mortgage is tax deductible (still). I could pay them both off and still have a reasonabl...
by midareff
Thu Jan 31, 2019 10:07 am
Forum: Personal Investments
Topic: Marcus savings account best for parking cash <1year?
Replies: 15
Views: 1046

Re: Marcus savings account best for parking cash <1year?

Ally Bank No Penalty for breaking early 11 month CD is paying 2.30%
by midareff
Thu Jan 31, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: It was a dip. Did you notice? The December drop is over.
Replies: 96
Views: 11626

Re: It was a dip. Did you notice? The December drop is over.

What? December is over? Pure heresy. ... . and what drop? Lack of market timing is a hallmark of my ever less watchful eye.
by midareff
Thu Jan 31, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 130
Views: 10694

Re: Please share some lifestyle creep you regret.

Interesting topic.... Spirits.... I've moved to Aberfeldy 12 Year Single Malt Scotch, Jameson 18 if it's Irish and am trying some Bourbons. Tried a Four Roses Small Batch last and an trying a Redemption Bourbon now which I like better. Audio Video Gear... Built systems and upgraded over extended tim...
by midareff
Wed Jan 30, 2019 6:32 am
Forum: Personal Investments
Topic: How much stocks for 5 years?
Replies: 16
Views: 1093

Re: How much stocks for 5 years?

With 5 year CD's in the 3.5% to 4.% range that's where most of the money should go for 5 years. To participate in the "market" I'd say no higher than 15% US Total or S&P500 and 15% Total International. Just my 2 cents, YMMV.
by midareff
Wed Jan 30, 2019 6:02 am
Forum: Investing - Theory, News & General
Topic: Why doesn't the US government sell additional Social Security?
Replies: 23
Views: 1980

Re: Why doesn't the US government sell additional Social Security?

Presumably companies selling inflation adjusted SPIAs are making a profit, despite how thin the market is. I'm wondering if the government could undercut them and break even and widen the appeal of the market, while also achieving something good for society (reducing risk people run out of money). ...
by midareff
Tue Jan 29, 2019 6:21 pm
Forum: Personal Investments
Topic: Finally thinking about making the switch from Vanguard to Fidelity
Replies: 43
Views: 5316

Re: Finally thinking about making the switch from Vanguard to Fidelity

Zero is zero and sounds mighty attractive. When do you think that will actually show up as an increased portfolio value or will it all get washed away in tracking errors? I seem to remember someone saying "You get what you don't pay for". What tracking error? Tracking error doesn't necessarily mean...
by midareff
Tue Jan 29, 2019 9:44 am
Forum: Personal Investments
Topic: Finally thinking about making the switch from Vanguard to Fidelity
Replies: 43
Views: 5316

Re: Finally thinking about making the switch from Vanguard to Fidelity

Zero is zero and sounds mighty attractive. When do you think that will actually show up as an increased portfolio value or will it all get washed away in tracking errors?
by midareff
Tue Jan 29, 2019 9:39 am
Forum: Personal Investments
Topic: Should I pay off my mortgage?
Replies: 37
Views: 2449

Re: Should I pay off my mortgage?

One size does not fit all. Quite a few years ago, about 9 I believe, I refinanced to a 3.0% fixed 30 year mortgage. Since that point in time I have averaged a 7.59% return on that money. As time and inflation proceed that monthly payment looks smaller and smaller. Of course there is no guarantee tha...
by midareff
Tue Jan 29, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 7043

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

I projected 140% of my net based on no longer saving for retirement + drawdown, and having the time to do the things I wanted... ie: See the world. As George Peppard used to say (or to the effect), Love it when a plan comes together.
by midareff
Tue Jan 29, 2019 9:07 am
Forum: US Chapters
Topic: How Did You End Up Here?
Replies: 58
Views: 3645

Re: How Did You End Up Here?

W would up here as a byproduct of reading books on investing. Many books, many of which are not cited in the wiki as recommended. Finally a William Bernstein book that mentioned the site. That led to many more books that are listed in the wiki.
by midareff
Tue Jan 29, 2019 8:28 am
Forum: Investing - Theory, News & General
Topic: Another market timing thread (Chart)
Replies: 38
Views: 2599

Re: Another market timing thread (Chart)

That's easy..... Get in, stay in and add as much as you can without fail every payday. As of this year I owned my first stock 50 years ago. +1 BTW...would you mind sharing the stock? My first stock was Greyhound Corporation. I was recently out of college and working for a subsidiary and they had so...
by midareff
Tue Jan 29, 2019 7:45 am
Forum: Investing - Theory, News & General
Topic: Another market timing thread (Chart)
Replies: 38
Views: 2599

Re: Another market timing thread (Chart)

That's easy..... Get in, stay in and add as much as you can without fail every payday. As of this year I owned my first stock 50 years ago. But the investor has probably lost their job, and is forced to sell most of their Stocks, if not all, at distressed prices to pay the bills. It may fall on dea...