Search found 958 matches

by Cody
Thu Sep 05, 2019 8:58 am
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 12568

Re: 3 fund people how are you feeling?

Yeah, I expect to give back most of the weird bond run-up, and I expect both a bear market and a recession sometime within the next few years, but I don't think those feelings are actionable so I'm just continuing to do nothing (but withdraw RMD's). Nisi seems to have it about right for me - I see ...
by Cody
Mon Sep 02, 2019 8:10 am
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 12568

Re: 3 fund people how are you feeling?

So for a 3 or 4 fund portfolio the phrase "positioning yourself" (as in "positioning yourself for a possible recession") means what?

Does that phrase have much less meaning for a 3-4 funder than for those who are more active?

If so why?
by Cody
Sun Sep 01, 2019 9:07 am
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 12568

3 fund people how are you feeling?

I have a 3 fund portfolio myself. I am wondering what you are thinking about your choice with the current state of economic things? (what ever that means to you). Are you simply ignoring the chatter? Thinking of tilting some? Doing something else? Are you examining the logic of your portfolio constr...
by Cody
Fri Aug 16, 2019 8:59 am
Forum: Personal Investments
Topic: Should we buy bond mutual funds now?
Replies: 30
Views: 3518

Re: Should we buy bond mutual funds now?

It would seem like you are a bit hit and miss on your bond decisions. It does not seem very cohesive to me at all. What does your IPS (Investment Policy Statement) plan say? (post it here if you like to see if this proposed change meets your IPS objectives). Trying to find a sweet spot is fine but t...
by Cody
Fri Aug 09, 2019 9:19 am
Forum: Personal Investments
Topic: How much TIPS
Replies: 22
Views: 1631

Re: How much TIPS

Trying to get more concrete here:

In a 50-50 portfolio (stock - bonds) a stock market drop of 50% would mean a portfolio drop of about 25%. Close enough?

Now with a 50-50 portfolio and inflation kicks in at 5% for 5 years.

How will the 50-50 likely (no guarantees) react?
by Cody
Thu Aug 08, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 61
Views: 3698

Re: New family car and safety considerations

Let's say a vehicle works for your needs 95% of the time but not always (think camping).

Does it make much more sense to do a work around on plywood, camping etc?

Rent, put on a trailer hitch (can rent a trailer for $40 a day or so), borrow from a friend.
by Cody
Thu Aug 08, 2019 7:52 am
Forum: Personal Investments
Topic: Teacher pensions make for unique retirement planning
Replies: 18
Views: 1959

Re: Teacher pensions make for unique retirement planning

It sounds like you have locked down the details of the loan forgiveness program.

Lots of cases where people, my daughter included, thought they had it but somehow did not qualify.
by Cody
Thu Aug 08, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 12390

Re: Amazon -- no longer the lowest prices, evidently

Is there an app or search website for finding the lowest price on items? Just got caught with a $50 restocking fee of a computer at Walmart. Lowest price but because it was a 3rd party seller (yuk) there was a restocking fee. What is to prevent companies like Walmart saying everything ordered on lin...
by Cody
Tue Aug 06, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: How to deal with rainy weather on Ireland trip
Replies: 21
Views: 1007

Re: How to deal with rainy weather on Ireland trip

We are just doing the tourist thing (walking, sight seeing).

Do I need water proof shoes?
by Cody
Tue Aug 06, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: How to deal with rainy weather on Ireland trip
Replies: 21
Views: 1007

How to deal with rainy weather on Ireland trip

We are off to Ireland in September and I need some advice on shoes.

Everyone says buy rubber or rubbe like shoes for the rain. A) they are expensive and B) may not be comfortable (I have wide feet and absolutley need confortable shoes).

Help?
Thanks
by Cody
Mon Aug 05, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 26
Views: 2292

Re: Looking for new laptop

Just brought an Acer back to Costoco after 10 months of use (failed comma key). Tried to deal with Acer directly on customer service (misnamed for sure). But my point is Costoco took it back with no hassle what so ever. No matter what you buy consider through Costco. I asked many different sales peo...
by Cody
Thu Aug 01, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: What does Chase ext. warranty mean by "US manufactured?"
Replies: 3
Views: 270

Re: What does Chase ext. warranty mean by "US manufactured?"

Just a bit on a change to my post Call the Chase Benefit Administrator within 90 days of the incident. Explain what happened so Chase can send you the correct claim form. You do not need to sign up in advance it sounds like. It is limited to $500 per year for any and all items is my take on it. Chas...
by Cody
Thu Aug 01, 2019 9:06 am
Forum: Personal Investments
Topic: A simple RMD question - meeting the RMD requirement
Replies: 30
Views: 2798

Re: A simple RMD question - meeting the RMD requirement

"one can have more taxes withheld, to top off any taxes that might be needed due to under-withholding."

So RMD withholdings (at time of distribution) could help pay the tax bill due from other sources of income. (covering a short fall).

A helpful point ResearchMed
by Cody
Thu Aug 01, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: What does Chase ext. warranty mean by "US manufactured?"
Replies: 3
Views: 270

What does Chase ext. warranty mean by "US manufactured?"

Two things I did not know about the Chase Freedom Card extended warranty. 1. You need to sign up for the benefit with them using a link to Card Benefits Administrator (or something like that). 2. The warranty extends only to US manufactured products. So my question is what does #2 actually mean? Are...
by Cody
Fri Jul 19, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Do I need a transaction free credit card for Ireland?
Replies: 70
Views: 2958

Re: Do I need a transaction free credit card for Ireland?

If I use say Capital One Quicksilver (may get that one) and I want ATM cash how does that work. Need $200, put in the card, get the cash. What would you expect that to cost?
by Cody
Fri Jul 19, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Ally Bank [customer service problems]
Replies: 20
Views: 2083

Re: Ally Bank [customer service problems]

How does "Chat" seem to be working?
by Cody
Wed Jul 17, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Do I need a transaction free credit card for Ireland?
Replies: 70
Views: 2958

Re: Do I need a transaction free credit card for Ireland?

Actually a quick check of cards does show big bonusses but all appear to give the bonus for more fly time (which we don't need unless we get the travel bug). Best cash back and bonus for us would not be travel related.
by Cody
Wed Jul 17, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Do I need a transaction free credit card for Ireland?
Replies: 70
Views: 2958

Re: Do I need a transaction free credit card for Ireland?

I didnt see any cards with that kind of bonus. Suggestions?
by Cody
Wed Jul 17, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Do I need a transaction free credit card for Ireland?
Replies: 70
Views: 2958

Do I need a transaction free credit card for Ireland?

Is there a work around that does not require us to get a new credit card for this trip? We are not great world travelers and don't think we will need a "travel card" going forward. If we get a new one (along with our Chase Freedom card) we want to open one the pairs well with Freedom for domestic us...
by Cody
Sun Jul 14, 2019 9:12 am
Forum: Personal Investments
Topic: How do most advisors produce client returns?
Replies: 57
Views: 4575

Re: How do most advisors produce client returns?

Taylor and Alex: both comments are very insightful and helpful.

Just to clarify, in general, how do the fiduciary advisors then produce returns for their clients. Are there many ways or just a few?
by Cody
Sat Jul 13, 2019 4:50 pm
Forum: Personal Investments
Topic: How do most advisors produce client returns?
Replies: 57
Views: 4575

Re: How do most advisors produce client returns?

This is a wonderful and thoughtful set of posts. It is helping fill in so many voids in understanding the world in which everyday investors live.

Should I be encouraged by what I am learning?

This dragon has many heads!
by Cody
Sat Jul 13, 2019 8:07 am
Forum: Personal Investments
Topic: How do most advisors produce client returns?
Replies: 57
Views: 4575

Re: How do most advisors produce client returns?

Would you expect advisors who are held to fiduciary standards likely, on average, to return higher gains to clients? Converely non fiduciary advisors are less likely to produce higher gains. My thinking here would be that there have more conflicts of interest and perhpas more cookie cutter, and fees...
by Cody
Fri Jul 12, 2019 8:32 am
Forum: Personal Investments
Topic: How do most advisors produce client returns?
Replies: 57
Views: 4575

Re: How do most advisors produce client returns?

A good RIA will clearly explain this stuff above costs money and be clear upfront about how they are paid—whether that be a percentage of AUM, hourly, flat fee, etc. A good RIA will probably tell you that part of how they earn their keep is by doing the allocation bit well and keeping an investor f...
by Cody
Fri Jul 12, 2019 8:30 am
Forum: Personal Investments
Topic: How do most advisors produce client returns?
Replies: 57
Views: 4575

Re: How do most advisors produce client returns?

I'm the OP. Funny you should mention cars repair as a metaphor for FA. Anyway my FA would say something like "you don't how to fix your own car so you go to mechanic" - "I will keep you from driving off a financial cliff". And "you know only enough to be dangerous." That froze me in my tracks for aw...
by Cody
Thu Jul 11, 2019 9:39 am
Forum: Personal Investments
Topic: How do most advisors produce client returns?
Replies: 57
Views: 4575

Re: How do most advisors produce client returns?

How do most advisors actually make their money?

What specifically should one look at to determine what a client pays an advisor?

And if I say a name like Edward Jones should I automatically assume clients are being taken advantage of or are there "good" ones there?
by Cody
Thu Jul 11, 2019 8:34 am
Forum: Personal Investments
Topic: How do most advisors produce client returns?
Replies: 57
Views: 4575

How do most advisors produce client returns?

My starting question and focus: Is it common practice for financial adviors to increase the risk profile to compete with an index portfolio? I am not talking here about the other things that advisors might bring to the table like discussing family situations, tax advise etc.(many of which might be b...
by Cody
Tue Jul 09, 2019 1:02 pm
Forum: Personal Investments
Topic: 34yo, baby on way, leaving expensive financial advisor... Please Help!
Replies: 27
Views: 2654

Re: 34yo, baby on way, leaving expensive financial advisor... Please Help!

Just out of curiousity how did you determine that your advisor was taking 1.75%?

Good luck
by Cody
Fri Jun 07, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 2955

Re: how to deal with people who are not living boglehead way of life

Or is it (in financial advice terms) Live and let die?

:|

Cody
by Cody
Sun May 26, 2019 9:16 am
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 11852

Re: What is your U.S./ex-U.S. stock allocation?

I'm not sure if one can still make a "survey" at the forum any more but I'd like to see one on this topic.

Cody
by Cody
Wed May 08, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Filing for a Restricted SS Claim
Replies: 16
Views: 1021

Re: Filing for a Restricted SS Claim

Just a heads up from my experience. I did the Restricted App. But to undue it and that my own SS at age 70 I could not do that on line (I tried via computer and then via phone). In both cases I was told that because of the RA their computer would not let them enter the change data. So I went in and ...
by Cody
Sat Apr 27, 2019 7:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 8288

Re: Vanguard Lowers 21 ETF Expense Ratios

I like that question:

Is there any reason to switch or not switch from Vanugard mutual funds to ET for the the Three Portfolio people?

Cody
by Cody
Sun Apr 21, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2305

Re: What are your 5 favorite tools (hand, power, other)

You got to have a Multi tool !

A Multi-tool is a common name for an oscillating power tool powered by battery or mains. The name "multi-tool" is a reference to the many functions that this tool can perform with the range of attachments available. (Wiki)

Cody
by Cody
Mon Apr 15, 2019 7:54 am
Forum: Personal Investments
Topic: Increasing Risk in Retirement
Replies: 26
Views: 2264

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: 3334

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: 136
Views: 6948

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: 1500

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: 6005

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: 9350

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: 1580

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: 1580

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: 1580

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: 1580

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: 2046

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: 2046

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: 2046

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: 2046

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: 2046

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: 2046

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: 2046

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.