Search found 925 matches

by Cody
Mon Apr 15, 2019 7:54 am
Forum: Personal Investments
Topic: Increasing Risk in Retirement
Replies: 26
Views: 2104

Re: Increasing Risk in Retirement

Peter Foley said The theory is to slightly minimize risk near retirement and in early retirement to avoid a bad sequence of returns.
I might slightly modify the term "slightly". That would depend on where you were before you reduced your equity holdings. No biggy but...

Cody
by Cody
Thu Apr 11, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Hospice and Medicare Advantage Plans - a little known Catch22
Replies: 40
Views: 3057

Re: Hospice and Medicare Advantage Plans - a little known Catch22

Thank you all so much for this important discussion.

Cody
by Cody
Sat Apr 06, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 118
Views: 4436

Re: Received a Ransomware email

A mac guy here. Are there good apps to say limit outsider emails. I would envision selecting emails addresses from a list and checking only those you want to recieve emails from. Or getting an elert that "this email is not from your normal contacts"

Hopefully
Cody
by Cody
Fri Apr 05, 2019 7:30 am
Forum: Personal Investments
Topic: Retirement Asset Allocation Question
Replies: 18
Views: 1327

Re: Retirement Asset Allocation Question

Dandy said:" My "risk" portfolio of intermediate bonds and equities ended up with an allocation of 67/33".

I don't ever remember seeing intermediate bonds as part of a risk portfolio. How did you personally come to that conclusion?

Thanks,
Cody
by Cody
Sat Mar 23, 2019 8:31 am
Forum: Personal Investments
Topic: Vanguard - dissappointed
Replies: 44
Views: 5721

Re: Vanguard - dissappointed

This reminds me of looking at reviews on Amazon. Reviewers often give 1 star for a product that was damage in shipping or the wrong color. But for most of us the question is "does the productstill work for us in 6 months or a year later" (long range thinking). Please give a repost in a year to let u...
by Cody
Tue Mar 12, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly parent on path to run out of money in 6 months
Replies: 35
Views: 8962

Re: Elderly parent on path to run out of money in 6 months

We found that seeing a cousellor my wife and I was the best thing we could do in a similar situation. She helped us focus on financial issues that were often personal - psychological issues that we felt about the situation. She was a licensed pshcholigist not a money consellor. So what did she do wi...
by Cody
Tue Mar 12, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: Is buying only assets with "tickers" a good Boglehead "rule"?
Replies: 23
Views: 1462

Re: Is buying only assets with "tickers" a good Boglehead "rule"?

One example for me with investing was during my "advisor" period I mentioned. The advisor told about this ING Index Fund. I bought it because the paperwork said Index Fund. It had, I beleive 6 letters, not five. When I typed in the 6 letter "ticker" it did not show up on any website for public consu...
by Cody
Tue Mar 12, 2019 10:39 am
Forum: Investing - Theory, News & General
Topic: Is buying only assets with "tickers" a good Boglehead "rule"?
Replies: 23
Views: 1462

Re: Is buying only assets with "tickers" a good Boglehead "rule"?

I can indeed provide a personal example. I joined a new advisor 12 years ago and bought everything he "sold." Most things I now owed had a ticker including: Hines Private Reit, Wells Private Reit andING "index funds". I also bought, through him, tickered funds like Fido Contra. I could, of course, f...
by Cody
Tue Mar 12, 2019 10:13 am
Forum: Investing - Theory, News & General
Topic: Is buying only assets with "tickers" a good Boglehead "rule"?
Replies: 23
Views: 1462

Re: Is buying only assets with "tickers" a good Boglehead "rule"?

Would it be fair to say that many/most people at least check the ticker or check for a ticker as a starting point for investing when you are not limited to a 401k (or deferred choices you have at work)? So I want to see what's in a given fund the very first thing I do is check the ticker. If there i...
by Cody
Tue Mar 12, 2019 8:19 am
Forum: Investing - Theory, News & General
Topic: Is buying only assets with "tickers" a good Boglehead "rule"?
Replies: 23
Views: 1462

Is buying only assets with "tickers" a good Boglehead "rule"?

Or if you like a variation on the theme: invest no more that 20% of your portfolio in non-ticker assets. Would this rule be one way to help prevent ventures into alternatives that are harder to track and become a distraction to good portfolio investing? Of course this is the primary rule, or even a ...
by Cody
Wed Feb 27, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1974

Re: Suggestion on high ceiling condo heat issues

PS - for those who have been on the forum long enough, I am the guy with the (noise in the attic back in 2011.)

What is it with me and house issues!!!

Cody
by Cody
Wed Feb 27, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1974

Re: Suggestion on high ceiling condo heat issues

She does have ceiling fans in the downstairs living space and in the kitchen. Sometimes the breeze is a bit much. But they are not too noisy. I look at the end of the living room at the stair well and it is such a poor poor design. Just wide open and 2o foot ceilings in the stair area. Oh my! No won...
by Cody
Wed Feb 27, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1974

Re: Suggestion on high ceiling condo heat issues

I'm finding this helpful but don't know exactly what to do.

https://www.energyvanguard.com/search/n ... k%20effect

I do like some of the suggestions for sure.
by Cody
Tue Feb 26, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1974

Re: Suggestion on high ceiling condo heat issues

Funny I agree with about everything that was said, even the conflicting information. I have long wondered if the downstairs air intake vents that are up on an 8 foot ceiling (which is just before the high ceiling stairwell) is actually part of the problem. Their are no low air intakes on the floor i...
by Cody
Tue Feb 26, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1974

Re: Suggestion on high ceiling condo heat issues

Should I buy a "infared gun" to measure temp at various parts of the condo? Would that work?
by Cody
Tue Feb 26, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1974

Re: Suggestion on high ceiling condo heat issues

No dampers but thought maybe it would work putting them in. That would be the best form of heatregulation I think. Is in floor heating very costly to run. Would it be effective in a part of a living room (say 15 by 15 feet) where they want to be. Is it an electrical house rewire. (not a likely solut...
by Cody
Tue Feb 26, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1974

Re: Suggestion on high ceiling condo heat issues

She also said we had tried the fan on "on". I think we can try that again but I guess it didn't do much to help.
by Cody
Tue Feb 26, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1974

Re: Suggestion on high ceiling condo heat issues

I texted my daughter and she said:

The fireplace is coolish but not extreme. How would you reduce the cold air coming in? They don't use it much as it does not have a fan. It gas.

Thanks
by Cody
Tue Feb 26, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1974

Re: Suggestion on high ceiling condo heat issues

That's what I am lookinf for - practical solutions.

I emailed my daughter on the "does cold air come in the fire place?"

cody
by Cody
Tue Feb 26, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1974

Suggestion on high ceiling condo heat issues

I may have posted before on this topic but we now have installed a ceiling fan (DC) at the highest point in the open stairwell to force hot air down to the first floor. That has helped. Its my daughter family. But they stil live upstairs in the 3 bedrooms in winter because of the cold. The goal is t...
by Cody
Sat Feb 23, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 140
Views: 13385

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

Minnesota has perhaps the largest Boglehead community in the country. It has both one main group that meets quarterly and smaller groups that meet on alternate months to the main group. You will not be alone.

Tough to beat that.

Best
Cody
by Cody
Tue Feb 19, 2019 10:20 pm
Forum: Personal Investments
Topic: A simple RMD question - meeting the RMD requirement
Replies: 28
Views: 2180

A simple RMD question - meeting the RMD requirement

When you take RMD from say Vanguard is it just simply a normal distribution from an IRA (to taxable money market fund or personal checking account for example) or is the RMD something unique? The reasn I ask is: is there something special (perhaps a check box) that says lets the IRA know this distri...
by Cody
Mon Feb 18, 2019 11:07 am
Forum: Personal Investments
Topic: For a long term investor which VG tips fund?
Replies: 2
Views: 203

For a long term investor which VG tips fund?

If person does not want to mess around much with the portfolio makeup and does not plan to withdraw any money soon from a choosen tips fund at Vanguard: Is the Vanguard Inflation-Protected Securities Fund (VIPSX) still a suitable choice in a 60% bond allocation portfolio? Target Dated Funds(2015) at...
by Cody
Fri Feb 15, 2019 9:11 am
Forum: Personal Investments
Topic: Transitioning to a Target Fund - a dividend question
Replies: 6
Views: 390

Re: Transitioning to a Target Fund - a dividend question

So I will recieve the dividend for the period I was in the fund (1 1/2 months)?
Cody
by Cody
Fri Feb 15, 2019 8:59 am
Forum: Personal Investments
Topic: Transitioning to a Target Fund - a dividend question
Replies: 6
Views: 390

Transitioning to a Target Fund - a dividend question

I have read of things like "buying the dividend" (which is not my problem here). But leads me to ask a related question. I am going to exchange my Total Stock Market Fund, FTSE and Total Bond Fund in both my IRA and Roths to a Target Date Fund. Should I be concerned when I make the exchange? Since I...
by Cody
Thu Feb 14, 2019 10:02 am
Forum: Investing - Theory, News & General
Topic: New and Improved CAPE is Higher!
Replies: 18
Views: 1705

Re: New and Improved CAPE is Higher!

Could you provide a bit of background on how you personally use the CAPE in make investment decisions?

Thanks,
Cody
by Cody
Mon Feb 04, 2019 5:40 pm
Forum: Personal Investments
Topic: Help Convincing Spouse
Replies: 60
Views: 4524

Re: Help Convincing Spouse

Make a bet with your wife. The winner gets the difference between the two investments below. In the best of all worlds, although this would take a bit of time, have her invest a specific amount with the advisor she/you have. You invest the exact same amount into an identical or very similar (if poss...
by Cody
Tue Jan 08, 2019 5:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Does The Bucket Approach Destroy Wealth?
Replies: 58
Views: 6626

Re: Larry Swedroe: Does The Bucket Approach Destroy Wealth?

It would seem that one could use Lifestrategy 80 (80% equity and 20 bonds) accross all of ones retirement accounts to make this model work (D-RAS). But is the rebalancing of LS80 (done automatically for you frequently) good enough to capture the benifit of D-RAS?

Cody
by Cody
Fri Dec 28, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Remove damaged coating from prescription glasses
Replies: 29
Views: 2400

Re: Remove damaged coating from prescription glasses

Livesoft - were you wearing the glasses when they got run over by the car? :happy
Cody
by Cody
Sun Dec 23, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Costco Tire Quality Seconds/Blems??
Replies: 31
Views: 2948

Re: Costco Tire Quality Seconds/Blems??

Just an aside. Discount Tires will match any Costoco sales. Much closer to us and no waiting if you set up an appointment.

Cody
by Cody
Sat Dec 22, 2018 8:46 am
Forum: Personal Investments
Topic: How to get back to a reasonable AA?
Replies: 2
Views: 376

Re: How to get back to a reasonable AA?

Option A: I assume you are making regular contributions to retirement. Consider redirecting all futher contributions to your retirement portfolio to bonds. It would be nice if thats all you needed to due to eventually get to where you want to be. Then don't look at the statements. You still have XXX...
by Cody
Wed Dec 19, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Putting Panic In Perspective
Replies: 6
Views: 833

Re: Larry Swedroe: Putting Panic In Perspective

Could someone sumarize generally what Larry is saying here. I read the article but its a bit vague on what to actually do about this. The summary does not seem to give much of hint about what to do and now, in a market decline, should one move to those recommedations or is it "too late"? Thanks, Cod...
by Cody
Tue Dec 18, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Help getting HP printer back to wifi Connecting
Replies: 8
Views: 475

Help getting HP printer back to wifi Connecting

I installed a new all in one router/modem (smart) and lost my printing over wifi. I reinstalled my driver, I tried using the "button method" on the router (you push the push and plug in the printer but it times out after searching for a couple of minutes) and even downloaded the HP smart app (went t...
by Cody
Sun Dec 16, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Honda Pilot - Improving Traction
Replies: 23
Views: 1717

Re: Honda Pilot - Improving Traction

No doubt in my mind. Get the "wet" tires. My Honda Odessey was a mess in snow and snow tires (Michelin) work wonders. Almost traded my 2010 van because of it but love it now.

Best,
Cody
by Cody
Thu Dec 13, 2018 9:32 am
Forum: Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 19
Views: 2654

Re: [Bond returns are currently negative. Why should I buy bonds now?]

What are your thoughts on the summary I made?

Cody
by Cody
Wed Dec 12, 2018 4:18 pm
Forum: Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 19
Views: 2654

Re: [Bond returns are currently negative. Why should I buy bonds now?]

Just to be clear on what has been said here (in summary) by asset_chaos and retiredjg. My takeaways: 1) Since the main purpose of bonds is to provide a stablizing force to your portfolio, once your AA is set an investor should let bonds fulfill their intended purpose. Do not try to put more of a bur...
by Cody
Thu Nov 29, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Index Fund vs. CDs?
Replies: 39
Views: 10118

Re: Total Bond Market Index Fund vs. CDs?

What say the 3 fund portfolio people?

Cody
by Cody
Sat Nov 24, 2018 11:07 am
Forum: Personal Investments
Topic: Help navigating St. Paul Social Security office please
Replies: 5
Views: 522

Help navigating St. Paul Social Security office please

On Tuesday I'm going into the St Paul Social Security office to claim benefits. I was told, due to my current SS status, to go into the office. I have been there before but can not remember the steps to sign into the electronic sign in at the entrance. Could you help me with what that requires me to...
by Cody
Sat Nov 24, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 71
Views: 9453

Re: pros and cons of target date funds?

kjsammy

Not quite sure what you mean.

Cody
by Cody
Sun Nov 04, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Medicare drug costs ..
Replies: 6
Views: 431

Re: Medicare drug costs ..

What is your Medicare plan (company) and which plan there in?
Cody
by Cody
Tue Oct 30, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Minnesota
Replies: 28
Views: 3134

Re: Moving to Minnesota

I'll put in a word of a very active and thriving Minnesota Boglehead group that meets 4 times a year and 2 "splitter" groups from that (which meet an additional 3-4 times as well.)

I could put you in touch with those groups if you like.

PM me.

Cody
by Cody
Mon Oct 29, 2018 12:46 pm
Forum: Personal Investments
Topic: Why has VG Target 2015 outperformed Lifestrategy Cons. Growth?
Replies: 6
Views: 750

Re: Why has VG Target 2015 outperformed Lifestrategy Cons. Growth?

So in that context Target 2015 was taking more risk and thus more reward in an up equity market.

So is is fair to say T2015 would have lost more than LS40 if the market had been "bad" because it has less risk during that time?

Cody
by Cody
Mon Oct 29, 2018 9:31 am
Forum: Personal Investments
Topic: Why has VG Target 2015 outperformed Lifestrategy Cons. Growth?
Replies: 6
Views: 750

Why has VG Target 2015 outperformed Lifestrategy Cons. Growth?

It appears, when I compare performance, that Target Date Fund 2015 (VTXVX) outperforms Lifestrategy Conservative Growth (VSCGX) (LS40) by 20 to 80 basis points on a regular basis. Charts show that "since inception" LS40 has done better but that may be do to some changes in the fund underling fund se...
by Cody
Sun Oct 28, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: LastPass - LogMeIn's Acquisition of LastPass (trying to figure out what that means)
Replies: 6
Views: 635

Re: LastPass - LogMeIn's Acquisition of LastPass (trying to figure out what that means)

I tried copying the window to clipboard. But Command shift 5 does not plant it in the forum window.
Cody
by Cody
Sun Oct 28, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: LastPass - LogMeIn's Acquisition of LastPass (trying to figure out what that means)
Replies: 6
Views: 635

Re: LastPass - LogMeIn's Acquisition of LastPass (trying to figure out what that means)

This is new for me. Everytime I click the 3 dots on my browser (Safari) I get "Get started with your email" window. At the bottom it does allow me to sign in to LP by clicking "sign in" But why the additional window everytime before I can sign in (a nuisance). If someone could quickly tell me how to...
by Cody
Sun Oct 28, 2018 8:28 am
Forum: Personal Investments
Topic: 5-10 year horizon for $100K
Replies: 11
Views: 1163

Re: 5-10 year horizon for $100K

Christine Benz would say generally 1-2 years = Money market or CD's, 2 -10 years = bonds, 10+ years = equity. Here is how she puts it: Money they expect to need within the next few years must go into the only asset class with a guarantee of safety over such a short time horizon: cash. Assets for the...
by Cody
Sun Oct 28, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: LastPass - LogMeIn's Acquisition of LastPass (trying to figure out what that means)
Replies: 6
Views: 635

LastPass - LogMeIn's Acquisition of LastPass (trying to figure out what that means)

A - Were we notified about this via email of this change? - so we could investigate it before hand? B - They now seem to use "Logmein" - do I need to create a separate account for that (I have LP on my tool bar - when I now click it to log in it says I must use "Logmein" - asked if you already have ...
by Cody
Wed Oct 24, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Tax planning- Pensions, delaying SS, converting?
Replies: 16
Views: 1073

Re: Tax planning- Pensions, delaying SS, converting?

They should keep under the gifting "limits" which I believe are less than $15,000 per person (so I believe that should gift slightly less that $60,000). Doulbe check that.
Cody
by Cody
Mon Oct 22, 2018 9:30 am
Forum: Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 10563

Re: My Edward Jones IRA is out performing my Vanguard 401K

If total transparency is what you want EJ simply can not deliver. Think of it this way - not what can he say to you but what can he actually do for you. It will be difficult for him to reduce these fees. And hours to explain them. Before you go in (which I'm not sure you should based on the above bu...
by Cody
Thu Oct 18, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8866

Re: When to change tires; and what brand

Just a heads up.

Discount Tires will rotate snow tires on for free until Oct. 27. Saves around $100.

I would set up an appointment before hand to confirm this.

Best,
Cody