Search found 868 matches

by Cody
Fri Sep 21, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Still haven't made sense of this 50-50 AA situation
Replies: 7
Views: 748

Re: Still haven't made sense of this 50-50 AA situation

That is beginning to make more sense to me as I try to reduce my "mental" load on investing. That is infact why I hav looked at LifeStrategy (VG) across the board - with not taxable that makes some sense and would "require, in our case, bonds in roths and stocks in IRA's. Its just that I would would...
by Cody
Fri Sep 21, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Still haven't made sense of this 50-50 AA situation
Replies: 7
Views: 748

Still haven't made sense of this 50-50 AA situation

I have been trying to make sense of my situation with RMD bearing down on us. We have the unusual situation of having all of fixed income (bonds) in tax deferred IRAs and all of our equity in our Roths in a 50-50 portfolio. Great efficiency with great placement I think. And that creates a bit of a p...
by Cody
Fri Sep 07, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2574

Re: How do you handle Healthcare costs in retirement

Ps - Is it the Third Edition? Some say copyright 2018 some say October 2017.

Cody
by Cody
Fri Sep 07, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2574

Re: How do you handle Healthcare costs in retirement

Watty or others:

Is Medicare for Dummies the Oct. 2017 version and is it the AARP version (if there are others?).

Thanks,
Cody
by Cody
Mon Sep 03, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: DIY: Three versus One! Are the Advantages Worth it?
Replies: 47
Views: 3749

Re: DIY: Three versus One! Are the Advantages Worth it?

JustWantToGetItRight

Is 2% of International bonds even worth it? I thought the general rule was own at least 5%-!0% of anything to make it work?

Best,
Cody
by Cody
Sun Aug 19, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: How do you pay for purchase of a vehicle in retirement?
Replies: 38
Views: 3968

How do you pay for purchase of a vehicle in retirement?

I've posted this years ago when I just started retirement but here it is again. How do you save and pay for new/used vehicles. If you pay cash where does that money come from (yearly withdrawal?). Or do you save a bit each month in a savings account (those budget it)? Plan on making payments and thu...
by Cody
Sun Aug 19, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3660

Re: Money Market Funds vs. Online Banks

Don't know how germane this to the topic but one can also hold an IRA in money market (or even possibly a savings account) with Ally. So it does not have to just be after tax money. Not sure if Cap1 allows this or not.

Cody
by Cody
Sat Aug 18, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Today I retired [should I invest in rental properties?]
Replies: 25
Views: 2936

Re: Today I retired [should I invest in rental properties?]

Stay away from Private Riets (use public) if you go that route.

Best,
Cody
by Cody
Thu Aug 09, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 32
Views: 2210

Re: Has anyone taken out an online mortgage?

I was not happy with Penfed for a number of reasons. The process was almost blind to me. We could not tell where we were in the process. I finally got upset with one of the agents (not rude though) and they put me on a "special list" with special help. Before that I felt like I was being handed off ...
by Cody
Wed Aug 08, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Have Private Reits worked for you?
Replies: 17
Views: 1059

Re: Have Private Reits worked for you?

We certainly felt used by our financial advisor. The good news is that that began to open our eyes to a greater world of investing. We sone saw other investments that just didn't make sense for us. for example front end load mutual funds (paying 4.5% up front to get into a fund). So maybe the financ...
by Cody
Wed Aug 08, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Have Private Reits worked for you?
Replies: 17
Views: 1059

Re: Have Private Reits worked for you?

My own experience was not good. Before I became aware of the investment world I invested in Private Reits through a local firm (at their advice). I later found out that I was receiving a 2% dividend and another 2% return that was reinvested in my Riets. So a 4% return. And there was a special tax st...
by Cody
Wed Aug 08, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Have Private Reits worked for you?
Replies: 17
Views: 1059

Re: Have Private Reits worked for you?

I am not in Reits (accept Total Stock Markets shares).

Really just wondering about Private Reits here.

Thanks,
Cody
by Cody
Wed Aug 08, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Have Private Reits worked for you?
Replies: 17
Views: 1059

Have Private Reits worked for you?

10 years ago I pulled out of 2 private Reits (for several reasons).

But I am just wondering (for those of you with experience with Private Reits) how you feel about that purchase and or sale now?

Just curious,
Cody
by Cody
Tue Jul 31, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA transfer: send Certified or Regular mail
Replies: 11
Views: 617

Vanguard IRA transfer: send Certified or Regular mail

I have several pages of docs to send Vanguard and my social security number is on them.

Is it safer to send a certified letter or is regular US mail ok? (Those are my two choices).

Thanks,
Cody
by Cody
Sun Jul 29, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: What does research show about "Cash Buffer" for bad times?
Replies: 9
Views: 1440

Re: What does research show about "Cash Buffer" for bad times?

Now that you pointed ou the MK article I remember reading it. A fellow forum member did a private message telling me about "cash drag". It would seem that there is often, in my case, a struggle between the feeling of security generated by cash and the desire as a long term investor to optimize the p...
by Cody
Sat Jul 28, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: What does research show about "Cash Buffer" for bad times?
Replies: 9
Views: 1440

What does research show about "Cash Buffer" for bad times?

I have often read hear that a "cash buffer" is preferred by some to weather a down stock market. That seems intuitive but does the research show that. Could someone point me in the right direction please. The "theory" is that one would set aside 5 years or so (varies) of cash so that in a down marke...
by Cody
Mon Jul 23, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Mind Mapping Software? Mindnode?
Replies: 15
Views: 1349

Re: Mind Mapping Software? Mindnode?

I use Inspiration (buy the app for computer or tablet). May be a free trial.

Cody
by Cody
Wed Jul 18, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3090

Re: Would you pay $120 for a 5 year dishwasher warranty?

Also I used the theory of never buying a warranty. So if you buy 3 items that could be warrantied for a total of $300 for the extend warranties put that money in a saving account marked "repairs." The dryer fails in 2 years go to the account to pay for the repair. Replace that money in the account. ...
by Cody
Wed Jul 18, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3090

Re: Would you pay $120 for a 5 year dishwasher warranty?

Is it really a 5 year extended warranty or really a 4 years extended warranty (one year normal warranty everyone gets and 4 additional years).

Cody
by Cody
Sun Jul 15, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3661

Re: Like Lifestrategy Funds but???

Speaking of the 3 fund portfolio (to compare returns). It would seem, and my research might be a bit faulty but, the 10 year returns for LS 40 are 5.97% and a 40-60 3FP (3 fund portfolio) has a return of 6.39. Does that surprise anyone? Does anyone have better data for comparison? Disclaimer: past p...
by Cody
Sat Jul 14, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3661

Re: Like Lifestrategy Funds but???

I have indeed done rebalancing over the years. My wife, however, probably would be tempted to get an advisor to help. She is aware of that expense but might feel like she does not want to go it alone if I should pass on. With only retirement money in tax deferred and Roths (again no real taxable mon...
by Cody
Fri Jul 13, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: 2011 Honda was with 6 differential flushes?
Replies: 13
Views: 1186

Re: 2011 Honda was with 6 differential flushes?

What page in the manual says when to do what? I can't seem to find that (as listed in the index). You'd think "maintenance" but I don't see it. Its early morning I guess.

Thanks much,
Cody
by Cody
Fri Jul 13, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: 2011 Honda was with 6 differential flushes?
Replies: 13
Views: 1186

Re: 2011 Honda was with 6 differential flushes?

It was changed at:
76k
59k
43k
30k
18k

I don't know if it was towed vehicle.

Hum?
Cody
by Cody
Thu Jul 12, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: 2011 Honda was with 6 differential flushes?
Replies: 13
Views: 1186

2011 Honda was with 6 differential flushes?

My daughter bought 2011 Honda CRV that has great service records (all done by Honda shops). It currently has 82k miles. And All Wheel Drive. But I see that the differential fluid has been flushed/changed 6 times. Did the Honda Service shops just take advantage of the previous owner or am I missing s...
by Cody
Thu Jul 12, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3661

Re: Like Lifestrategy Funds but???

I'm look at LS Moderate (40 equity/ 60 bonds).

I beleive LS40 has 18% international bonds. That would mean 42% Total Bond fund.

Isn't 18% quite a bit. That said I realize International bond and domestic bond have lots of crossover.

Cody
by Cody
Thu Jul 12, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3661

Like Lifestrategy Funds but???

I am "almost certainly" moving toward the purchase of LS in all retirement account (all in tax deferred and Roths - no taxable). As I weed through the decision so many forum folks have help me, one be one, clarify and thoughts I have on them. So one of my last questions has to do with Vanguard Total...
by Cody
Tue Jul 10, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2991

Re: Rodents ate my car, and my insurance is ripping me off!

Love the OP title.

One big mouse!

Good Luck

Cody
by Cody
Tue Jul 10, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 3855

Re: Do you count pension contributions as a portion of your overall retirement contributions.

That is correct CyclingDuo. That is exactly what I am asking/thinking. The logically fallacy (in my thinking) is this: If one counts contributions to a pension as a part of your total contribution to retirement, then you should also count your contribution to Social Securtiy as contribution. So as a...
by Cody
Mon Jul 09, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5837

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

One of the best ways to save $ is to keep a little notebook in your glove compartment. As your car moves up in age repair and oil places with say that you need a new XXX. You can check the little book, say "nope" did that last year or at a minumum you now have a choice to let them do the work or do ...
by Cody
Thu Jul 05, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 3855

Do you count pension contributions as a portion of your overall retirement contributions.

I've seen this question somewhere on the forum but can't dig it up. When contributing to a pension should you include that amount as part of your overall contribution amount? If so what part of the breakdown below? If you contribute 5% to a pension and your workplace contributes 5% and you contribut...
by Cody
Sun Jul 01, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Required minimum distributions from IRA
Replies: 18
Views: 1566

Re: Required minimum distributions from IRA

JW-Retired

Wrote: Vanguard asks what percentages I want to withhold for Fed & State tax.

My experience is that VG will not take state tax out. Is this true for some states and not others?

Thanks,
Cody
by Cody
Thu Jun 21, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3641

Does an IPS really need to be 5 pages long to be valuable?

While looking at sample IPS's online I see many are long (5+ pages). My belieif is something that long will not get read and sit in a drawer forever. Or should the be that long to make it valuable. We are actually looking for sample IPS's for my adult daughter to use as a template. Where to look for...
by Cody
Thu Jun 21, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate me? and appreciated advice taken
Replies: 9
Views: 1069

Re: Evaluate me? and appreciated advice taken

You could start with an IPS (Investment Policy Statement.) This statement provides the general investment goals and objectives and describes the strategies that the you will employ to meet these objectives. Specific information on matters such as asset allocation, risk tolerance and liquidity requir...
by Cody
Sun Jun 17, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: What are the new CapitalOne ACH limits
Replies: 1
Views: 785

What are the new CapitalOne ACH limits

Got an email that said: Starting August 1, 2018, you’ll have new ACH external transfer limits.

But nowhere can I find the new limits.

Help if you can.

Best,
Cody
by Cody
Sat Jun 16, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5576

Re: A vehicle that "sits up" but can't afford CRV

I asked he what the price point is and she said with trade tops is about $10,000. So with a trade of $2000 (old CRV) she could get a vehicle around 10-11K after taxes etc. She is looking at 2016 Ford Escape with hail damage at around $9000. Like the feel but not sure of a clear title at this point. ...
by Cody
Sat Jun 16, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1397

Re: Cash question

Does using some Roth space make any sense? If I go LS40 in all accounts I'd have LS40 in Roths and a little bit of cash there.
No taxes, accessible. But not terribly efficient.
Thoughts on using Roth for cash?
Cody
by Cody
Sat Jun 16, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1397

Re: Cash question

I assume then it could go as capital gains (I'm in the 12% tax bracket so no cost there after a year).

But I'm trying to simply to LifeStrategy in all funds accross the board (except cash) and wonder if iShares Short-Term National Muni Bond ETF (SUB) isn't as simple as I may want it.

Cody
by Cody
Sat Jun 16, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1397

Cash question

As I approach retirement (offically anyway) I'm trying to decide where to put 4-5% of my portfolio in cash. You know for my emergency fund for things that might pop up like medical expenses (hopefully not for some time but who knows). Three options: 1. Tax deferred - but then you can't get at it in ...
by Cody
Fri Jun 15, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5576

Re: A vehicle that "sits up" but can afford CRV

Thank you for taking the time to respond.

If there are more ideas I love to hear them.

Thanks,
Cody
by Cody
Fri Jun 15, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5576

A vehicle that "sits up" but can't afford CRV

My daughter is looking to replace an old CRV. She loves the car but can not afford the initial price point to get a lower milage one.

Plus she is only 5 feet tall and wants a vehicle that "sits up" high like a CRV.

Any suggestions of a cheaper than a CRV but still sits up nicely.

Thanks,
Cody
by Cody
Thu Jun 14, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3739

Re: Light Camping Trailer

Most vehicles can pull a camper but the real question is "can your vehicle stop it". That is what we have been told by countless camper people.
Cody
by Cody
Sat Jun 09, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2370

Re: Penfed CD @ 3% - 5 year

Could you give me a quick primer on the process of getting a brokered CD at VG? I know about the not so good idea to early withdraw a brokered CD but is the process complicated?

Thanks,
Cody
by Cody
Sat Jun 09, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1350

Re: ignorant question about fixed rate home equity loans

It depends on two things in my option: 1) is it worth the time and effort to go through the process. I got a loan from Penfed and it was lots of stress - mainly becasue they did not keep us informed about which step we were actually in. I was not happy. It saved up maybe .75%. Was it worth it? I wou...
by Cody
Fri Jun 08, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 67
Views: 10339

Re: The Psychology of Money - A Blog Post

That is one great article. Thanks.

Cody
by Cody
Fri Jun 08, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2370

Re: Penfed CD @ 3% - 5 year

I just checked the short term bond index and the 5 year returns were .83%.

Was the Penfed 3% CD of 5 years ago (which we had) the clear winner then with 3% returns.

Not say it will be in the future but in the past......

OP
Cody
by Cody
Thu Jun 07, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2370

Penfed CD @ 3% - 5 year

Is it reasonable to use this CD as a tax deferred storage of cash if you have not specific libility matching (other than the RMD possiblity - cashing in the CD early to pay RMD of market conditions warrant it). But there is not specific libility that I am anticipating for which this money is "schedu...
by Cody
Wed Jun 06, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: F.O.B.O.: Fear of Better Options (NYTimes)
Replies: 4
Views: 1207

Re: F.O.B.O.: Fear of Better Options (NYTimes)

I too tend to work things to death.

"Don't let the quest for the perfect portfolio get in the way of a good one" or something like that (Taylor L?)

Best,
Cody
by Cody
Wed Jun 06, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: F.O.B.O.: Fear of Better Options (NYTimes)
Replies: 4
Views: 1207

F.O.B.O.: Fear of Better Options (NYTimes)

This is an interest (although a bit strendy) article about the eternal quests for better options. https://www.nytimes.com/2018/06/04/smarter-living/how-to-finally-just-make-a-decision.html?emc=edit_nn_20180606&nl=morning-briefing&nlid=8072200920180606&te=1 (Tim Herrera) FOBO, the article states, is ...