Search found 891 matches

by Cody
Wed Dec 12, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 19
Views: 2449

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: 9063

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: Investing - Help with Personal Investments
Topic: Help navigating St. Paul Social Security office please
Replies: 5
Views: 497

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: 52
Views: 5734

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: 414

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: 2891

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: Investing - Help with Personal Investments
Topic: Why has VG Target 2015 outperformed Lifestrategy Cons. Growth?
Replies: 6
Views: 728

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: Investing - Help with Personal Investments
Topic: Why has VG Target 2015 outperformed Lifestrategy Cons. Growth?
Replies: 6
Views: 728

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: 614

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: 614

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: Investing - Help with Personal Investments
Topic: 5-10 year horizon for $100K
Replies: 11
Views: 1123

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: 614

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: 1050

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: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 10242

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: 8621

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
by Cody
Thu Oct 18, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Does Lifestrategy make sense in Roth IRA's
Replies: 26
Views: 3293

Re: Does Lifestrategy make sense in Roth IRA's

A modification of Grabiner's example from above: Individual accounts: You have $40K in a stock fund and $60K in a bond fund (40/60 asset allocation). Stocks rise to $60K. You withdraw $20K from the stock fund, leaving you with $40K in stocks, $60K in bonds and $20K in cash. Your AA is still 40/60. ...
by Cody
Tue Oct 16, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Does Lifestrategy make sense in Roth IRA's
Replies: 26
Views: 3293

Re: Does Lifestrategy make sense in Roth IRA's

No one has been able to tell me exactly what the cost (for the inefficiency) would be. It would nice if I could find out. Everyone (including me) says that a given portfolio is efficient. And I believe that. But how does one figure out how much $$ is lost with putting bonds in Roths (with Lifestrate...
by Cody
Tue Oct 16, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Does Lifestrategy make sense in Roth IRA's
Replies: 26
Views: 3293

Re: Does Lifestrategy make sense in Roth IRA's

Since Lifestrategy funds are rebalanced daily? does Christine Benz idea still hold water? It would seem perhaps not. She said: "Even though I love target-date funds for accumulators,” says Christine Benz, director of personal finance at Morningstar, “most all-in-one funds are suboptimal when it come...
by Cody
Thu Oct 11, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 167
Views: 25962

Re: Oatmeal suggestions

I eat crow for breakfast. My wife makes sure of it. :happy

Cody
by Cody
Wed Oct 10, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3617

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Not about these specific vehicles but... I was totally ready to scrape my Honda Odessesy because of "slip slidin' away" (Minnesota winter :happy ). Someone suggested snow tires. This might be the part that helps you. The first new set of snow tires were the top ranked Blizzack (sp). It rained and I ...
by Cody
Tue Oct 02, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Should an emergency fund be for all emergencies?
Replies: 9
Views: 1030

Re: Should an emergency fund be for all emergencies?

Yes I believe the person was injuried in an all terrain vehecle accident in an isolated area.

Cody
by Cody
Mon Oct 01, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Should an emergency fund be for all emergencies?
Replies: 9
Views: 1030

Should an emergency fund be for all emergencies?

Just read the Medicare does not cover much of a helecopter evac. And supplemental may not help much and could cost $30,000 to $50,000.

That seems like a lot to sit in an Efund.

Thoughts?

Cody
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: 9
Views: 1388

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: 9
Views: 1388

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: 2717

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: 2717

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: 3943

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: 4077

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: 3898

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: 3009

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: 42
Views: 3932

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: 1111

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: 1111

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: 1111

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: 1111

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: 641

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: 1489

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: 1489

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: 1412

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: 3253

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: 3253

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: 3782

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: 3782

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: 1231

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: 1231

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: 1231

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: 3782

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: 3782

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...