Search found 50 matches

by Harpoon1
Sun Aug 04, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fastest Way To Repair Credit........
Replies: 6
Views: 713

Re: Fastest Way To Repair Credit........

Got sidetracked for a few days and am just now getting back to this thread.

Thanks for the help guys, will get started on this right away.
by Harpoon1
Tue Jul 30, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fastest Way To Repair Credit........
Replies: 6
Views: 713

Fastest Way To Repair Credit........

.....on my own. 59 1/2, retired 4 1/2 years and need to clean up my credit report, ASAP. I don’t carry an credit card debt, haven’t in 30 years or so, it’s just piddly little bills here and there that were, couple of hundred here, couple of hundred there, type of thing. Anyway, how do I go about fin...
by Harpoon1
Sat Jan 05, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Getting AT&T to Stop Charging Me.......
Replies: 12
Views: 1163

Re: Getting AT&T to Stop Charging Me.......

All good ideas.

Probably go back to the store where I signed the contract and start there.

Thanks everybody.
by Harpoon1
Sat Jan 05, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Getting AT&T to Stop Charging Me.......
Replies: 12
Views: 1163

Getting AT&T to Stop Charging Me.......

.......for phone and iPad insurance I never asked for! Signed a new contract back in May. New phone, “complimentary” iPad, etc,....... At the same time, I tried to get the salesman to help me cancel a previous automatic payment internet connection to an old iPad that was no longer being used. Took 3...
by Harpoon1
Wed Jan 11, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Dumping An Out Of State Condo
Replies: 8
Views: 1259

Re: Dumping An Out Of State Condo

If you had a lawyer down there help you settle the estate they might know of a real estate agent that they would refer you to. You can also call up the condo's office to get some names. The last time I hired a real estate agent I had phone conversations with about six of them and then I let the thr...
by Harpoon1
Tue Jan 10, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dumping An Out Of State Condo
Replies: 8
Views: 1259

Re: Dumping An Out Of State Condo

Start by googling the address of the Condo complex to see what real estate agents have/had current/recent listings there. Sometimes if it's a large enough complex there will be a real estate agent who specializes in the complex. When a relative had to sell a condo in California there was a real est...
by Harpoon1
Tue Jan 10, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Dumping An Out Of State Condo
Replies: 8
Views: 1259

Re: Dumping An Out Of State Condo

Yeah I've already gotten a couple of "solicitations" from local agents down there. One was what seemed like within literally hours of my mothers obituary. :shock:

Anyway, you've given me some ideas.

Thanks.
by Harpoon1
Tue Jan 10, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dumping An Out Of State Condo
Replies: 8
Views: 1259

Dumping An Out Of State Condo

Want to get rid of a condo that my late mother was living in. I own it outright and have no desire to keep it any longer. Frankly, I just want it gone, asap. The problem is its in southern Florida and Im 800 miles away. Looking for some advice on choosing a reputable realestate agent from a distance...
by Harpoon1
Mon Sep 26, 2016 8:42 am
Forum: Personal Investments
Topic: Does this make sense?
Replies: 7
Views: 1278

Re: Does this make sense?

......... that a slow-down is expected, interest rates will likely rise, .......... Well, it's one or the other, unlikely both will happen at the same time. The best advice is, quit listening to anyone who is trying to predict the future. Can't be done. As for US/International split? Any allocation...
by Harpoon1
Mon Sep 26, 2016 6:55 am
Forum: Investing - Theory, News & General
Topic: Selling in October
Replies: 43
Views: 4615

Re: Selling in October

Everyone has heard of sell in May and go away. What would be wrong with sitting out October? Given enough time it would seem as though this strategy would pay off. Any thoughts? Correct me if I'm wrong, but isn't this an example of something you criticized in the following post: https://www.boglehe...
by Harpoon1
Mon Sep 26, 2016 4:48 am
Forum: Investing - Theory, News & General
Topic: House as Investment vs Stock Market.
Replies: 21
Views: 3942

Re: House as Investment vs Stock Market.

In one of Bernstein's books he references a study (or possibly several) looking at home values here and in Europe going back some 400 years, IIRC. The results were that they only appreciated in value at around the rate of inflation. Or in a best case scenario, 1% over inflation. I think he likened i...
by Harpoon1
Sun Sep 18, 2016 12:37 pm
Forum: Personal Investments
Topic: My bond portfolio - Comments
Replies: 21
Views: 3503

Re: My bond portfolio - Comments

I admire your independent thinking and agree with your general philosophy. It has become dogma on our BH site to repeat the TSM, TBM, and Total International combination as the ideal portfolio for all. Another mantra is take your risk in stocks and therefore avoid corporate bonds. The dissenting vo...
by Harpoon1
Sun Sep 18, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 7020

Re: Coffee makers: Moka, French Press, etc.

Hard to beat a French Press, especially if like me, you like an oily, chewy, robust cup of coffe. :D Aeropress is great also and makes good "clean, bright" cup of coffee but is somewhat limited by only doing single cups. But that a plus taking it on the road or camping. Another one not men...
by Harpoon1
Sat Sep 17, 2016 9:56 am
Forum: Personal Investments
Topic: My bond portfolio - Comments
Replies: 21
Views: 3503

Re: My bond portfolio - Comments

Put all your bonds into CDs and treasuries and take your risk on the equity side - say add 10% stocks. Or just go with the total bond market fund. Yours is a general statement that has only validity if you have 30 years to invest and start from zero . A few points to think about: Valuations are hig...
by Harpoon1
Fri Sep 16, 2016 9:59 am
Forum: Personal Investments
Topic: Schwab Bonds dropping (SCHZ)
Replies: 12
Views: 1730

Re: Schwab Bonds dropping (SCHZ)

What started my inquiry on this was when I purchased my funds, it seems I jumped in at the peak 53.93.. See: http://finance.yahoo.com/chart/SCHZ#eyJ ... dHJ1ZX0%3D Thanks, Fred C Research suggests that 2/3 of the time its better to lump sum into the market. DCA'ing your way in is for psychological/...
by Harpoon1
Fri Sep 16, 2016 12:52 am
Forum: Personal Investments
Topic: My bond portfolio - Comments
Replies: 21
Views: 3503

Re: My bond portfolio - Comments

Please comment on my bond portfolio: Retired 5 year ladder of CDs and TIPS covering annual expenses. Rest as follows: 60% Vanguard Intermdiate term corporate bnd index (VCIT) 30% Vanguard Intermdiate term investment grade bnd index (BIV) 10% Vanguard Emerging Markets Governmeht Bond index (VWOB) Of...
by Harpoon1
Wed Sep 14, 2016 7:47 am
Forum: Personal Investments
Topic: Leaving Advisor
Replies: 24
Views: 3761

Re: Leaving Advisor

Thanks everyone for your thoughts. We met with Fidelity and will go back soon to move ahead with this. Going with FLIFX as planned. They did suggest a managed version of this fund with a higher ER and higher returns but we politely declined. cpd13 How does a higher ER for the same investment genera...
by Harpoon1
Tue Sep 13, 2016 12:02 pm
Forum: Personal Investments
Topic: Short Term Cash Investment
Replies: 15
Views: 1761

Re: Short Term Cash Investment

What are some good options for storing a large chunk of short term cash (will be needed within 1 year)? Right now it is an Ally checking account which on a relative basis versus CD's and such earns a pretty decent yield. Any suggestions would be greatly appreciated Not sure if you meant "savin...
by Harpoon1
Tue Sep 13, 2016 8:53 am
Forum: Personal Investments
Topic: Short Term Cash Investment
Replies: 15
Views: 1761

Re: Short Term Cash Investment

What are some good options for storing a large chunk of short term cash (will be needed within 1 year)? Right now it is an Ally checking account which on a relative basis versus CD's and such earns a pretty decent yield. Any suggestions would be greatly appreciated Not sure if you meant "savin...
by Harpoon1
Fri Sep 02, 2016 7:56 pm
Forum: Investing - Theory, News & General
Topic: Calculating Future SS Benefits
Replies: 20
Views: 2027

Re: Calculating Future SS Benefits

... And, at least as of now, SS will only account for around 26-27% of my retirement income. I suspect I'll end being means tested anyway , before its all said and done! :shock: ... Means testing already exists today, in terms of income taxation of 0%-50%-85% of benefits depending on your combined ...
by Harpoon1
Fri Sep 02, 2016 7:41 pm
Forum: Investing - Theory, News & General
Topic: Calculating Future SS Benefits
Replies: 20
Views: 2027

Re: Calculating Future SS Benefits

My experience with the same situation... Graduated college, got a 'real' job at about 23, retired early at 55 from Megacorp (who gently shoved me out the door). I found that recent SS estimates dropped about 7% (and I'm soft on that) from the estimate at the time of my full employment. Note that I ...
by Harpoon1
Fri Sep 02, 2016 7:31 pm
Forum: Investing - Theory, News & General
Topic: Calculating Future SS Benefits
Replies: 20
Views: 2027

Re: Calculating Future SS Benefits

As long as you have 35 years of significant earnings, you are not penalized in your SS calculation for having several zero earnings years before retirement. You may not be maximizing your benefit (by stopping work) if your current earnings are a lot larger than those that will be included in your h...
by Harpoon1
Fri Sep 02, 2016 5:50 pm
Forum: Investing - Theory, News & General
Topic: Calculating Future SS Benefits
Replies: 20
Views: 2027

Re: Calculating Future SS Benefits

. . . So, is there a quick and dirty method to interpolate the future SS estimates for me but retiring at 55 and not making anymore contributions between now and receiving my benefits 11-14 years from now? Take a look at Retirement Estimator in the Bogleheads Wiki and the Social Security website . ...
by Harpoon1
Fri Sep 02, 2016 5:39 pm
Forum: Investing - Theory, News & General
Topic: Calculating Future SS Benefits
Replies: 20
Views: 2027

Re: Calculating Future SS Benefits

Ok, I retired last year at 55. Will postpone SS until at least 67, and more probably 70. I've been to the SS website and created an account and recieved their estimates. However, those estimates are based on me working up to those respective ages, along with filling in those later years with the in...
by Harpoon1
Fri Sep 02, 2016 5:31 pm
Forum: Investing - Theory, News & General
Topic: Calculating Future SS Benefits
Replies: 20
Views: 2027

Re: Calculating Future SS Benefits

delamer wrote:Your earlier earnings are indexed to current levels for your benefits' calculation.
Ok, how about for the next 11-14 years, when I'll be contributing zero's?
by Harpoon1
Fri Sep 02, 2016 4:37 pm
Forum: Investing - Theory, News & General
Topic: Calculating Future SS Benefits
Replies: 20
Views: 2027

Calculating Future SS Benefits

Ok, I retired last year at 55. Will postpone SS until at least 67, and more probably 70. I've been to the SS website and created an account and recieved their estimates. However, those estimates are based on me working up to those respective ages, along with filling in those later years with the inc...
by Harpoon1
Sun Aug 28, 2016 8:08 am
Forum: Personal Investments
Topic: Parents' AA and advice--should they leave manager?
Replies: 18
Views: 2319

Re: Parents' AA and advice--should they leave manager?

Many believe the huge number of mutual funds is a deliberate ploy by the FA to make their investment strategy look really complicated, and way too hard for the investor to do on their own. Edward Jones adviser portfolios we see sometimes use up to 50 or 60 funds. JW Well, the "deliberate ploy&...
by Harpoon1
Sat Aug 27, 2016 6:46 pm
Forum: Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 31428

Re: $50M+ - Need a sounding board/advice

A 3 fund portfolio works for $50,000, $50MM, $50B. With the new index fund classes at Fidelity at $10MM minimum investment and ERs far below the old/best Fidelity ERs and way below anything Vanguard offers, it is worth taking a look at. You can build a 3 fund from these new "lowest cost" ...
by Harpoon1
Sat Aug 27, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 9094

Re: Work in Vancouver, WA..possibly live in Camas?

Curious if you tried Compass Coffee, downtown Vancouver? I was out there a couple of years ago on a similar expidition. Being an OCD Espresso freak, I hit every Espresso bar/Coffee house in the greater PDX area and Compass was right up there 1 or 2, after multiple visits. Anyway, nice review. And yo...
by Harpoon1
Thu Aug 25, 2016 7:02 pm
Forum: Investing - Theory, News & General
Topic: BSV for Emergency Funds?
Replies: 8
Views: 2236

Re: BSV for Emergency Funds?

I hold a couple of years worth of BSV in my 401 also. The BSV sec yield is only 1.07% now, Ally and few other online banks are still offering 1.0% in there savings accounts, and with NO rate risk! Of course BSV ytd nav is up around 2.5%.....Next year, who knows? I've been keeping a years worth of ca...
by Harpoon1
Mon Mar 31, 2014 6:13 am
Forum: Personal Investments
Topic: Written IPS strategy for next crash - Advice?
Replies: 15
Views: 1918

Re: Written IPS strategy for next crash - Advice?

A variation of the "Upside Potential Ratio", that Dr. Sortino supposedly uses. Calculate what percentage is necessary to reach your goal, that is now "your" new level of risk tolerance. Market goes up and you exceed your expected return, you pull back. Market goes down, you fall ...
by Harpoon1
Sun Mar 30, 2014 1:41 pm
Forum: Personal Investments
Topic: Which Bond Fund(s)?
Replies: 8
Views: 1435

Re: Which Bond Fund(s)?

Just a note: The names of the bond funds as listed in the OP right now are not quite complete. For example FIBAX is an intermediate term TREASURY bond fund. I think all those 0.1% expense ratio funds are Treasury bond funds. FSITX is a total US bond index fund. You are correct and I will fix that, ...
by Harpoon1
Sun Mar 30, 2014 1:26 pm
Forum: Personal Investments
Topic: Which Bond Fund(s)?
Replies: 8
Views: 1435

Re: Which Bond Fund(s)?

.........resist the urge to complicate things too much. To fill in some gaps, I also have about 10% in a taxable account. I had planned on utilizing that account first and will be building more cash reserves over the interim and by liquidating surplus "toys" while downsizing. I feel that ...
by Harpoon1
Sun Mar 30, 2014 12:43 pm
Forum: Personal Investments
Topic: Which Bond Fund(s)?
Replies: 8
Views: 1435

Re: Which Bond Fund(s)?

.........resist the urge to complicate things too much. To fill in some gaps, I also have about 10% in a taxable account. I had planned on utilizing that account first and will be building more cash reserves over the interim and by liquidating surplus "toys" while downsizing. I feel that ...
by Harpoon1
Sun Mar 30, 2014 11:44 am
Forum: Personal Investments
Topic: Which Bond Fund(s)?
Replies: 8
Views: 1435

Which Bond Fund(s)?

Recent convert and getting ready to implement an index fund strategy with our 401A plan at Fidelity. And am hoping to retire next year at 55. Fidelity, along with their total bond index, also offers more narrowly focused bond index funds as well. Im wondering what is the most advantageous for someon...
by Harpoon1
Wed Mar 26, 2014 6:28 pm
Forum: Investing - Theory, News & General
Topic: My "Motley Fool" Interview
Replies: 8
Views: 2519

Re: My "Motley Fool" Interview

Hey Taylor

Your link doesn't work for me either. Sends me to the thread where you accidentally deleted it.
by Harpoon1
Wed Mar 26, 2014 2:28 pm
Forum: Forum Issues and Administration
Topic: Email/username info ......could not be found!
Replies: 3
Views: 1313

Email/username info ......could not be found!

Tried signing on from a work computer today for the first time and no joy! Is says the email address that I am trying to use to have them send me my password "could not be found". But it is the very same address that the adminstration used to send the link to "activate" my accoun...
by Harpoon1
Wed Mar 26, 2014 1:39 am
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 2750

Re: Faulty Logic [Asset Allocation nearing Retirement]

Rodc For example they show a max success rate of 95% going from 30% to 70%. But a fixed 50/50 gives a success rate of 94%. The difference is just noise. Ok, agreed. But that also suggests it's ok, maybe even desirable, to go 30/70 for now, and further reducing my risk while transitioning through my ...
by Harpoon1
Tue Mar 25, 2014 9:02 am
Forum: Personal Investments
Topic: Does anyone have an opinion on WealthFront?
Replies: 43
Views: 8007

Re: Does anyone have an opinion on WealthFront?

At first blush it looks pretty interesting: Wealthfront does not charge an advisory fee on the first $10,000 of assets under management. On amounts over $10,000, we charge a monthly advisory fee based on an annual fee rate of 0.25%. The only other fee you incur is the very low fee embedded in the c...
by Harpoon1
Tue Mar 25, 2014 7:37 am
Forum: Personal Investments
Topic: Does anyone have an opinion on WealthFront?
Replies: 43
Views: 8007

Re: Does anyone have an opinion on WealthFront?

At first blush it looks pretty interesting: Wealthfront does not charge an advisory fee on the first $10,000 of assets under management. On amounts over $10,000, we charge a monthly advisory fee based on an annual fee rate of 0.25%. The only other fee you incur is the very low fee embedded in the c...
by Harpoon1
Sun Mar 23, 2014 4:37 pm
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 2750

Re: Faulty Logic [Asset Allocation nearing Retirement]

555 wrote:
Harpoon1 wrote:Truth is, I could get by on just the pension, if I had too, ....
In that case, an aggressive portfolio is fine. You've got your basics covered.
Got it.

Thank you.
by Harpoon1
Sun Mar 23, 2014 4:32 pm
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 2750

Re: Faulty Logic [Asset Allocation nearing Retirement]

The "professional" advice I'm receiving from two different sources is very much to the contrary. Both are suggesting a much more aggressive position now (70/30), that I find incredibly surprising. Again given my age, time to retirement window and conventional wisdom. I think 70% is high, ...
by Harpoon1
Sun Mar 23, 2014 4:12 pm
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 2750

Re: Faulty Logic [Asset Allocation nearing Retirement]

Saimond Numerous choices, but the bottomline is that you probably should plan for side income or less expenses in one shape or form. Yeah, I have and there is a pension w/cola in the equation that accounts for around 1/3 of my future predicted income. The pension has some modest increases over the n...
by Harpoon1
Sun Mar 23, 2014 3:43 pm
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 2750

Re: Faulty Logic

.............What does your investment policy statement say?........... I've just recently had an epiphany, found this place, and have been converted. And after a lifetime of taking "professional" advice at face value and "investing" on cruise control. I've decided the next 30 y...
by Harpoon1
Sun Mar 23, 2014 1:45 pm
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 2750

Faulty Logic [Asset Allocation nearing Retirement]

After last years remarkable gains I will have, and somewhat unexpectedly, just enough to retire next year at 55. But "just" enough! Well, to retire comfortably, there's a little wiggle room. It seems to me I'm most vulnerable right now and early into my retirement, given my age and that I ...
by Harpoon1
Thu Mar 20, 2014 8:38 pm
Forum: Personal Investments
Topic: Rolling over Bond Allocation-Need Help
Replies: 4
Views: 436

Re: Rolling over Bond Allocation-Need Help

Kerplunk, Scone, Retiredjg Already started going over Kerplunks BH wiki link. The archives are next Scone. Does your friend have something to gain in this transaction? A commission? A management fee? Maybe but there's no "hard sell", none at all. Its my old college roommate and I was in hi...
by Harpoon1
Thu Mar 20, 2014 12:54 pm
Forum: Personal Investments
Topic: Rolling over Bond Allocation-Need Help
Replies: 4
Views: 436

Rolling over Bond Allocation-Need Help

I'm hoping to retire next year at 55. I've been with Fidelity through work (tax deferred) since day one, over 30 years (I'm a late convert)and just recently moved everything into a Freedom Fund while I decided what to do next. The plan now is to move everything to Vanguard, index funds and continue ...