Search found 973 matches

by Cody
Sat Apr 04, 2020 8:06 am
Forum: Investing - Theory, News & General
Topic: Rebalancing -- IPS Clarification Needed
Replies: 37
Views: 2024

Re: Rebalancing -- IPS Clarification Needed

Isn't the whole premise of Target Dated Funds or Lifestratgy to rebalance daily (or so). That is a pretty good indication that Vanguard is on board with rebalancing.

Or do they rebalance those kinds of funds daily for a different reason than the average DIY would (with is to reduce risk)?
by Cody
Sat Apr 04, 2020 7:28 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351146

Re: What Movie Have You Recently Watched?

With the advent of the Corvid19 Virsus what "STAY AT HOME" movies are you watching and where?

I need some good distractions.

Thanks.
by Cody
Mon Mar 16, 2020 4:40 pm
Forum: Personal Investments
Topic: Will price of new car pricing increase or decrease?
Replies: 12
Views: 1476

Re: Will price of new car pricing increase or decrease?

Another possibility is that after the pandemic has run its course that "pent up demand" will be unleashed and inflation will occur. Thus car prices will go up because of the new demand.
by Cody
Sat Mar 14, 2020 9:17 am
Forum: Personal Investments
Topic: Will price of new car pricing increase or decrease?
Replies: 12
Views: 1476

Will price of new car pricing increase or decrease?

Which is the most likely effect on new car pricing in the next six months (oh crystall ball folks). A) Prices will increase on new cars due to building and shipping costs (as part of a general inflationary increase do to the C19 Virus) B) Prices will decrease on new cars because no one is spending t...
by Cody
Fri Mar 06, 2020 1:23 pm
Forum: Personal Investments
Topic: Are CD's only for parking cash for the short term?
Replies: 17
Views: 1638

Re: Are CD's only for parking cash for the short term?

In my 3 fund portfolio I have 50% plus in VG Total Bond Fund. (with Total Stock and All World). Since I am retired and in it for the long haul of hopefully 20 years - in the big picture of things (what ever that means) will it matter that much if I can pick up say a 5 year, 2.5-3.0% bond fund. I'm t...
by Cody
Thu Mar 05, 2020 2:13 pm
Forum: Personal Investments
Topic: Are CD's only for parking cash for the short term?
Replies: 17
Views: 1638

Are CD's only for parking cash for the short term?

I think CD's are great to park cash (or for specific needs like car purchases that will occur within the period of the CD). But can they play a bigger role in ones overall portfolio strategy. But are CD's also a reasonable alternative to Total Bond Fund in a three fund portfolio? I am wondering abou...
by Cody
Fri Feb 28, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: iPhone 6s - upgrade to 11 or 12?
Replies: 41
Views: 2918

Re: iPhone 6s - upgrade to 11 or 12?

I went for a 6s to an 11.
Pros -Way better photos, better battery life, admired by many (vanity)

Cons - too big, too heavy

In retrospect I'd keep the 6s but got $200 for it at Verizon.

Good luck!
by Cody
Tue Jan 21, 2020 2:12 pm
Forum: Personal Investments
Topic: Why ally bank
Replies: 98
Views: 15007

Re: Why ally bank

I love Ally as well (although is spelled Ally not ally - per the subject line at top). I also use Capitalone. I prefer the Ally website.
by Cody
Wed Nov 27, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Is this a good application for Zoom H6 Recorder
Replies: 14
Views: 995

Re: Is this a good application for Zoom H6 Recorder

Do you think that recording directly to say Garage Band is better sound quality than the Zoom H6 (or similar)? Assuming we are using the same external mics.

Thanks
by Cody
Mon Nov 25, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Is this a good application for Zoom H6 Recorder
Replies: 14
Views: 995

Re: Is this a good application for Zoom H6 Recorder

Thanks for the reply. Would you say that the sound quality of H4 is anywhere near studio quality? I'm looking for very good (excellent would be very nice) but very good is ok. How would you describe the sound quality? The H6 has 2 xlr imputs as well so added mics could be used. Maybe another slant w...
by Cody
Mon Nov 25, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Is this a good application for Zoom H6 Recorder
Replies: 14
Views: 995

Is this a good application for Zoom H6 Recorder

I am seriously considering field recording of a small 2-3 piece band. We use a small Bose tower and electric acoustic git with mic vocals. Fairly tame stuff. The Zoom h6 seems perfect. But is the quality good enough? Plan to record on site at small venues with some background noise which normally is...
by Cody
Wed Nov 20, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Best way to do partial Carpet to Wood Floor conversion?
Replies: 7
Views: 676

Re: Best way to do partial Carpet to Wood Floor conversion?

Your bedroom is 1450 square feet?
Or is it 50 square feet of wood and 700 square feet of carpet?
Clarifing this will help us make a better opinion on what we think you should do.

Did I read that right?
by Cody
Thu Nov 07, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Does the free Turbo Tax allow for ....
Replies: 2
Views: 283

Does the free Turbo Tax allow for ....

Does the free version of TT allow for the imput of property tax (not mortgage payments).

Hard to read through what is provided by the free version.

Thanks
by Cody
Thu Oct 17, 2019 12:32 pm
Forum: Personal Investments
Topic: What's included in Vanguard's YTD returns
Replies: 3
Views: 434

What's included in Vanguard's YTD returns

Does YTD include any withdrawals made during that time period as a negative return for that portion? In other words how are YTD returnscalulated out at Vanguard. My returns are listed as 7.5%. I have about the same funds in my portfolio as Target Dated 2015, which listed YTD returns as 11.3%. But I ...
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: 13790

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: 13790

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: 13790

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: 5779

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: 2231

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: 4531

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: 2131

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: 14070

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: 1274

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: 1274

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: 2882

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: 330

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: 3006

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: 330

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: 3525

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: 2536

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: 3525

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: 3525

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: 3525

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: 5125

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: 5125

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: 5125

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: 5125

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: 5125

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: 5125

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: 5125

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: 2924

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: 3242

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: 13915

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: 1145

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: 8823

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: 2687

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: 2409

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: 79
Views: 4777

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

Thank you all so much for this important discussion.

Cody