Search found 2580 matches

by Leif
Sun Jun 23, 2019 3:46 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why?
Replies: 161
Views: 8830

Re: What percentage of total portfolio in REIT's do you have? Why?

put the correlation of REITs to Equities as .55 That's somewhat midway, in concept, between equities and bond funds. Is that correct? First, correlation varies a lot between different time periods. They give you only a rough idea of what may happen in the future. For the period and funds I discusse...
by Leif
Sun Jun 23, 2019 12:02 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why?
Replies: 161
Views: 8830

Re: What percentage of total portfolio in REIT's do you have? Why?

I took another look a REITs using Portfolio Visualizer. I was surprised to see that REITs have had a better return than the US total stock market (TSM). Of course these are highly period dependent. I used VTSAX (Vanguard Total Stock Mkt Idx Admiral) and VGSLX (Vanguard Real Estate Index Admiral). Lo...
by Leif
Thu Jun 20, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3433

Re: Extend MacBook Battery Life by plugging in as much as possible?

FYI Earlier today Apple announced a recall for some of its MacBook Pro laptops because of problematic and potentially hazardous batteries. The batteries, according to Apple’s support page, “may overheat and pose a fire safety risk.” The recall is said to affect 15-inch MacBook Pros with Retina displ...
by Leif
Tue Jun 18, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3433

Re: Extend MacBook Battery Life by plugging in as much as possible?

I have a 2014 MacBook Pro. I also use it a lot. It has a battery health of 93% and 329 cycles. I'm still on the original battery. I've not read it anywhere, but I expect that keeping it plugged in all the time helps. For the first year I did not do that. So, I built up the cycle count relatively fas...
by Leif
Tue Jun 18, 2019 10:36 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why?
Replies: 161
Views: 8830

Re: What percentage of total portfolio in REIT's do you have? Why?

Sandtrap wrote:
Tue Jun 18, 2019 7:15 am
SCV ???
Small Cap Value. No disrespect intended, but with nearly 7,000 posts you must have seen this. We love our acronyms.
by Leif
Mon Jun 17, 2019 1:50 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 457
Views: 105462

Re: New Book: Living off Your Money (Michael McClung)

For those not willing to shell out $60, can you provide a synopsis? What unorthodox conclusions does he reach with his unique insights? Still expensive, but the book is half price on Amazon. No kindle version yet There is a PDF version of the book for $34.95 at http://livingoffyourmoney.com
by Leif
Mon Jun 17, 2019 1:18 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why?
Replies: 161
Views: 8830

Re: What percentage of total portfolio in REIT's do you have? Why?

I think there is a problem when you look at a fund in isolation, or even compare one fund to another. You are not seeing the diversification advantage. For example, using the Portfolio Visualizer the Sharpe ratio of the TSM and REIT fund are similar over the longest available time period using Vangu...
by Leif
Mon Jun 17, 2019 12:46 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why?
Replies: 161
Views: 8830

Re: What percentage of total portfolio in REIT's do you have? Why?

I have 8% of my portfolio in REITs (16% of my equities based on a 50/50 equity/fixed income allocation). My portfolio is designed for diversification and to thus to give me more options to draw from in retirement. 16% of equities is based on a equal share of other equity asset types I have. Interes...
by Leif
Mon Jun 17, 2019 10:50 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why?
Replies: 161
Views: 8830

Re: What percentage of total portfolio in REIT's do you have? Why?

0% right now. That's because a REIT index fund has not had a decent-sized RBD in a while. If VNQ had a great RBD, then I would move 5% of the portfolio into it for a few hours or days. Then sell it all. It is very ironic that the person with the highest post count on the Bogleheads is a market trad...
by Leif
Mon Jun 17, 2019 10:29 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why?
Replies: 161
Views: 8830

Re: What percentage of total portfolio in REIT's do you have? Why?

I have 8% of my portfolio in REITs (16% of my equities based on a 50/50 equity/fixed income allocation). My portfolio is designed for diversification and thus to give me more options to draw from in retirement. 16% of equities is based on a equal share of other equity asset types I have.
by Leif
Sun Jun 16, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 2635

Re: Best SIM card for travel in Europe?

I do use data for navigation, since it is free (or rather part of the plan), with Pocket Earth as a backup. The T-Mobile rate of 0.25/min. is part of my plan (along with free text and 2G data) for $35/mo. But I rarely use the cellular call. As mentioned, I use WiFi if I need to make a call, but usua...
by Leif
Sun Jun 16, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 2635

Re: Best SIM card for travel in Europe?

It still amazes me that travelers think they need to use mobile data to navigate. I never said that. What I said was I used T-Mobile data for navigation. In fact, before my T-Mobile I used an iPhone App called Pocket Earth. You just need to download the app and the maps in the area you will be visi...
by Leif
Sun Jun 16, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 2635

Re: Best SIM card for travel in Europe?

Are SIM cards still a thing? I did that 5 years ago in Denmark. A bit of a hassle. Now I have T-Mobile so I get free texting and 2G data overseas. Data is slow, but good enough for my uses (navigation). Otherwise I use WiFi combined with FaceTime for calling. In an emergency I can use cellular calli...
by Leif
Sun Jun 16, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 36
Views: 2141

Re: Experience with Synchrony savings accounts?

Why bother with Synchrony when Ally is overwhelmingly the online bank of choice used by most on these forums? Yeah, Synchrony's online savings account rate is 5bps higher than Ally, but that amounts to a whopping $5 per year on every $10,000. I used to be a Ally customer. I had problems with them. ...
by Leif
Sat Jun 15, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 36
Views: 2141

Re: Experience with Synchrony savings accounts?

I've had no problems. For FDIC insured savings they have a good rate. You can get a bit better rate at some money market funds (such as Vanguard Prime MM). At Synchrony I let CDs interest accumulate there until needed. Unlike some other institutions that have good CDs, but a very low savings account...
by Leif
Fri Jun 14, 2019 10:55 am
Forum: Personal Investments
Topic: 1st world Problem unease [asset allocation question]
Replies: 6
Views: 536

Re: 1st world Problem unease [asset allocation question]

A lot of people would have almost all the tax deferred account in bonds and hold mostly stocks in taxable. That is my goal. Unfortunately, I have a lot of equity in my IRA. I have CDs in taxable that are maturing (my SS bridge money). I built a 6 lane superhighway bridge when it turned out I only n...
by Leif
Fri Jun 14, 2019 10:36 am
Forum: Personal Investments
Topic: 1st world Problem unease [asset allocation question]
Replies: 6
Views: 536

Re: 1st world Problem unease [asset allocation question]

Seems to me to be a good AA for a 30-40 year old. Since you are RMD age I agree with dbr. You can reduce your equity allocation in your IRA without a tax issue. In taxable I would look for any losses you may be able to take and sell. Fortunately you have 4 years in MM so you can de-risk your taxable...
by Leif
Sun Jun 09, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Card - Signup Bonus Period
Replies: 7
Views: 1064

Re: Fidelity Credit Card - Signup Bonus Period

The offer for the 1% bonus is based on your spending. My wife spends less on her card so her target is less, Mine is so high I don't usually don't bother unless I know something big is coming up. A bit off topic, but I received a card sign-up bonus (new card). $100 if I spend XXX amount in the next ...
by Leif
Fri Jun 07, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: Market up because of rate cut expectation - why ?
Replies: 21
Views: 2787

Re: Market up because of rate cut expectation - why ?

This is just the increased prospect of a rate cut.

Lower rates can be bullish for equities since stocks and bonds compete for investment flows.
by Leif
Fri Jun 07, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Treasury Money Market yield so high?
Replies: 44
Views: 9086

Re: Why is Vanguard Treasury Money Market yield so high?

The same as its near twin Vanguard Federal VMFXX, 2.33%. VMFXX is generally a bp or two lower. It's ER is 11 bps. They are defying gravity for now.
by Leif
Thu Jun 06, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 87
Views: 8598

Re: No more print Money magazine

Just today I got an airline miles for magazines letter. Sure enough, Money is still listed as an option. I was wondering if that is for an on-line subscription, but there was not mention of that.
by Leif
Wed Jun 05, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 2992

Re: Solar - when replacing roof?

I've had two roof leaks and my roof is about 30 years old (concrete roof). So, I've been thinking about a new roof and solar panels. I don't use much electricity, even tho' I have an EV. I'm just barely in the 2nd pricing tier on non-summer months. So, I think the payback period for me is around 10 ...
by Leif
Sat Jun 01, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2137

Re: Should I buy Euros from local bank or use ATM in Europe

For international I use my Fidelity Visa. They have a 1% foreign transaction fee, but I earn 2% on the purchase, so I net 1%. I use my Fidelity debit card at an ATM for some local cash. Fidelity debit reimburses any ATM transaction fee on a cash management account. Conversion rates are good.
by Leif
Thu May 30, 2019 7:15 pm
Forum: Personal Investments
Topic: Am I playing a losing game?
Replies: 33
Views: 3202

Re: Am I playing a losing game?

Looks like most of your funds are at the higher end of the ER range. That would make me wonder if the advisor is compensated based on the funds ER. I would stick with funds that start with the word "Vanguard". I would also keep DFREX. You can control for aggressiveness with the allocation between eq...
by Leif
Wed May 29, 2019 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can I get another bite of the SS apple?
Replies: 14
Views: 2223

Re: Can I get another bite of the SS apple?

Your spouse files for his/her spousal benefit to begin 9/2023, at age 67 and 0 months. I guess this is because her spousal benefit is higher than her own benefit. SS will give the higher amount. But she will not accrue delayed retirement credits. The 1/1/1954 date is related to receiving spousal be...
by Leif
Wed May 29, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can I get another bite of the SS apple?
Replies: 14
Views: 2223

Re: Can I get another bite of the SS apple?

dcare wrote:
Wed May 29, 2019 3:44 pm
My wife will file for spousal benefits in 2023, when she turns 67 - the year here should be adjusted to your wife's FRA
I don't think you can file a restricted application if born after 1/1/1954.

However try Mike Piper's calculator on this thread.

Open Social Security Calculator
by Leif
Wed May 29, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can I get another bite of the SS apple?
Replies: 14
Views: 2223

Re: Can I get another bite of the SS apple?

Broken Man 1999 wrote:
Wed May 29, 2019 2:15 pm
Thanks for the info. I'll check your link. My FRA is 66 (born in 1953).

Thanks again!

Broken Man 1999
Since you were born in 1953 you should qualify to get spousal benefits from 66 to 70, right? You should still receive delayed retirement credits.
by Leif
Tue May 28, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: Setting bond allocation as (years x living expenses)? Does it make sense?
Replies: 8
Views: 627

Re: Setting bond allocation as (years x living expenses)? Does it make sense?

There is a conservative allocation called LMP for Liability Matching Portfolio. It is consider pretty safe if you have 25x your yearly portfolio draw in very safe assets. First determine that number, which is expenses minus dependable income such as SS, pension, annuity. Second compare to your "safe...
by Leif
Sun May 26, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Completely freaked out about withdrawing from retirement accounts....
Replies: 75
Views: 10233

Re: completely freaked out about withdrawing from retirement accounts....

Probably both stats are correct. It is just now it is parsed. You say $60,000 for those with savings. But, no age range on that stat. Mine had the age range 55-64 which matches your original post on this topic. I noted in my stat the age range and with savings . The article I linked shows big variat...
by Leif
Sun May 26, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Completely freaked out about withdrawing from retirement accounts....
Replies: 75
Views: 10233

Re: completely freaked out about withdrawing from retirement accounts....

Median retirement savings for households age 55-64 is $16,000. Seems low. Even if that includes households with no savings it still seems low. What is the source of that stat? Per Motley Fool, quoting the Federal Reserve, as of an article written Jan 2015 and updated Oct 2016, the median savings of...
by Leif
Fri May 24, 2019 8:04 pm
Forum: Personal Investments
Topic: wondering if I would be better served by etf's or should I stay put with MF's
Replies: 12
Views: 1667

Re: wondering if I would be better served by etf's or should I stay put with MF's

I prefer MFs. With ETFs I find myself trying to optimize the results by watching price movements. Sometimes that works, and sometimes not. MFs I find easier for this reason. Just put in a buy/sell order and don't worry about intraday movements. Options are another animal. I've never used them. I hav...
by Leif
Wed May 22, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 5005

Re: I evaluated taking SS at age 62 versus age 70

Often you see on these posts a calculation of which will provide the most benefit given some age of death. Really it is old age insurance. Do you make a calculation of the benefit of insuring your home against fire? Certainly since the chance of fire is small you will have more money if you don't in...
by Leif
Sat May 18, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Account - How fast will checks cash?
Replies: 11
Views: 800

Re: Fidelity Account - How fast will checks cash?

Slow as molasses between deposit and available to withdraw. Takes about 1 week. I've not noticed any difference between mobile vs. investment center deposit. I've generally had good luck with mobile deposits, however just this week it failed (after 3 tries) so I took the check to an investment cente...
by Leif
Thu May 16, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 346
Views: 170394

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

During the great recession Sheepdog was already in retirement. So bare that in mind when discussing how much cash to hold. During the 08-09 period I was feeling the stress and yet I still had a stable job. I wondered the stress of being in retirement at that time. That would step it up several notch...
by Leif
Sat May 11, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 130
Views: 19070

Re: Cash - Throw it on the table!

Right now I have about 6% of my portfolio in cash. Prior to retirement, which should not be long now, I'm planning to have 5-10% in cash (1- 2.5 years of living expenses). About 1% in MM (Money for Minuscule rates) accounts for cash flow. My cash in primarily in "High Yield" (ha ha) accounts. That ...
by Leif
Thu May 09, 2019 4:33 pm
Forum: Personal Investments
Topic: Does a 3 Year CD Substitute For Bonds in your AA?
Replies: 10
Views: 918

Re: Does a 3 Year CD Substitute For Bonds in your AA?

My CD ladder is part of, not a substitute for bonds, in the fixed income portion of my portfolio.
by Leif
Thu May 09, 2019 2:51 pm
Forum: Personal Investments
Topic: Lower risk is in my plan but I just can't!
Replies: 52
Views: 4206

Re: Lower risk is in my plan but I just can't!

If you cannot follow your plan then you will be blown around with the winds of the market. I set a glide path of 2%/year down to 50% equities and stuck with that.

The best of luck to you.
by Leif
Tue May 07, 2019 3:34 pm
Forum: Personal Investments
Topic: Roth IRA Portfolio
Replies: 9
Views: 923

Re: Roth IRA Portfolio

Looks OK for a 3 fund allocation. I have no problem with a tilt to SV for a 30+ year timeframe. I would use VFSAX (Vanguard FTSE All-World ex-US Small Cap index fund) for more diversification from VTSAX. If you do that I would consider a 60/20/20. Good idea to have all equity in your Roth. Leave the...
by Leif
Tue May 07, 2019 11:59 am
Forum: Personal Investments
Topic: Is my thinking correct. . DFA fund vs VTSAX
Replies: 3
Views: 388

Re: Is my thinking correct. . DFA fund vs VTSAX

You should compare your world DFA fund with something like VTWAX. Of course US market represented by VTSAX have beat international market for a while now. Check out VTWAX allocation and compare it. VTWAX has a ER of 0.1% vs. 0.3% for DGEIX. If you are paying a fee to an advisor for the DFA fund that...
by Leif
Thu May 02, 2019 3:14 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13766

Re: Google sheets not pulling stock prices

Weird. What happens if you run your Excel macro without opening the Google Sheet? I've not tried that yet. I just open the spreadsheet now as a test. I don't want to make modifications to my Excel if I'm going to have issues with the custom functions. Does it make a difference if you execute the cu...
by Leif
Thu May 02, 2019 1:32 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13766

Re: Google sheets not pulling stock prices

Just got the "Loading..." message again. I was patient and I got the prices after 3 minutes. Perhaps it is some local issue with my internet provider? I guess I need to stay with my GoogleFinance quotes for now.
by Leif
Thu May 02, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8714

Re: My solar investment experience

Tesla (Solar City) made an announcement recently that they are cutting the price for solar panels. They are now selling them in 4kW increments. They are taking on-line orders. They are asking you to provide them with some data. They can reduce the price by avoiding a lot of pre-sales work by their e...
by Leif
Wed May 01, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13766

Re: Google sheets not pulling stock prices

When I've seen the continuous "Loading..." it was for your MStarNav and MStarPrice functions. Google Finance has no problem. I'm pulling 18 quotes. I'll try to get a screen capture if it happens again. Maybe it just needs a bit more time. Normally it is only a second or two. I do agree the MStarPric...
by Leif
Tue Apr 30, 2019 10:46 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13766

Re: Google sheets not pulling stock prices

Kevin, I added a question to one of my posts, but I think I added it after you already responded, so perhaps you did not see it. Sometimes when I pull up my GS it continues to say "Loading...", for all the tickers, with a comment that an error occurred. If I do a page refresh I get the NAVs. Have yo...
by Leif
Tue Apr 30, 2019 8:05 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13766

Re: Google sheets not pulling stock prices

Kevin, since I'm pulling the NAVs using Excel's VBA QueryTables function do you know what happens if an error in thrown in GS? Perhaps I need to do my error checking in VBA after import and remove the throws?
by Leif
Tue Apr 30, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13766

Re: Google sheets not pulling stock prices

Anyone interested in this new custom function? Sure, I would like to take a look. For my one ETF I'm only concerned with closing price, so if it is a bit later that is OK. Also, I assume my MM funds have a NAV of 1, so I don't have those funds in my Google Sheets (GS) ticker list. I only update fun...
by Leif
Mon Apr 29, 2019 9:18 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13766

Re: Google sheets not pulling stock prices

3 1/2 hours after market close 75% of my funds were updated. Now 6 1/2 hours after market close all are reporting updated, except VTIP, which is an ETF. That is good enough for me. I'll change my ETF to GoogleFinance then that should be resolved.
by Leif
Mon Apr 29, 2019 3:13 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13766

Re: Google sheets not pulling stock prices

The getNavMstar function should only work for mutual funds, so you should see #ERROR for ETFs, and if you hover over the #ERROR, you should see a message like "No quote found for ticker EEM (line 18)." If you are seeing something else for an ETF, please tell me the ticker. I'm getting a quote for V...
by Leif
Mon Apr 29, 2019 11:46 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13766

Re: Google sheets not pulling stock prices

Thanks very much Kevin. I've added the getNavMstar function to my project and a reference to that function in column C of my spreadsheet. Column A is the ticker and B is the GoogleFinance function. Worked perfectly. Columns B and C match except for my ETF (since the market is open now). This evening...
by Leif
Sun Apr 28, 2019 7:52 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 13766

Re: Google sheets not pulling stock prices

Perhaps it is sufficient to keep my Excel/VBA and substitute the Morningstar data for GoggleFinance in Sheets. Does Morningstar update for the NAV in the evening for the current day? It is a minor irritation that I must wait for the next day to get my NAVs with GoggleFinance. That would make my upda...