Search found 373 matches

by CWRadio
Thu Jul 04, 2019 5:21 am
Forum: Personal Investments
Topic: Do Target Date Retirement Funds Have a Down Side?
Replies: 29
Views: 3211

Re: Do Target Date Retirement Funds Have a Down Side?

tennisplyr wrote:
Tue Jul 02, 2019 4:18 pm
When making withdrawals you cannot specify where you want take it from...stocks vs. bonds.
Is there a fund that when you make a withdrawal it sell the the underlying shares that are doing better? Example if equities are down it sells from the bond side.
by CWRadio
Wed Jun 26, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Dental implant... almost done!
Replies: 53
Views: 3518

Re: Dental implant... almost done!

I used a Prosthodontist for my implant and crown. Paul
by CWRadio
Tue Jun 25, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Dental implant... almost done!
Replies: 53
Views: 3518

Re: Dental implant... almost done!

TomatoTomahto wrote:
Tue Jun 25, 2019 9:12 am
Those healing abutments are a tongue magnet. My implants are the best teeth in my mouth. Good luck.
Have the same problem with my tongue. Help, how do I stop my tongue from going to the healing abutment (tooth 30). Paul
by CWRadio
Sun Jun 23, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4373

Re: Radon levels in home

A little off subject. My house is 15 years old and has a passive Radon mitigation system (no fan) connected to the sump. When the house was built the radon level was 1 and now it is 3.9. I plan on adding a passive mitigation fan to the 3 inch PVC pipe in the attic. My question is how do you determin...
by CWRadio
Fri Jun 07, 2019 12:19 pm
Forum: Investing - Theory, News & General
Topic: [Nominal] Annuities are a bet on future inflation rates and should not be purchased by retirees
Replies: 183
Views: 12933

Re: Annuities are a bet on future inflation rates and should not be purchased by retirees

Mike Piper says: My point here isn’t that the COLA annuities are a bad idea. As you’ll notice, they do a better job of protecting against longevity than annuities without COLAs. (That is, the longer the lifetime, the better they perform.) Since payment amounts from fixed- COLA annuities are backloa...
by CWRadio
Fri May 03, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Investing in a dental implant & Vetting and questions to ask?
Replies: 50
Views: 4385

Re: Investing in a dental implant & Vetting and questions to ask?

Just got my treatment plan for a implant and crown for tooth #30. About $3900 (no insurance, discount card) My question on dental code D7921 the dentist will be using L-PRF as a type of bone graft. Has any Boglehead had a bone graft using the L-PRF procedure of platelet therapy? Google search show l...
by CWRadio
Sun Apr 21, 2019 1:56 pm
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzle: Findings from a Recent Survey
Replies: 37
Views: 3079

Re: The Annuity Puzzle: Findings from a Recent Survey

I wonder if investors might be better off making sure they avoid all the bad annuity products even if it costs them not taking advantage of SPIA specifically. I think SPIA can be an effective answer to some investor situations but it is not a generically superior answer, for all the various reasons...
by CWRadio
Sat Apr 06, 2019 9:12 am
Forum: Personal Investments
Topic: Buying an annuity
Replies: 7
Views: 637

Re: Buying an annuity

Jane Bryant Quinn mention LLIS https://llis.com/ in her book Making the Most of Your Money.
Paul
by CWRadio
Thu Apr 04, 2019 8:57 am
Forum: Personal Investments
Topic: Is it time to change my portfolio?
Replies: 7
Views: 778

Re: Is it time to change my portfolio?

CWradio, Can you take the time to post your actual portfolio holdings and include the ticker, name, expense ratio, and % of total. I was able to see your portfolio visualizer but do not have the patience to look up what the tickers are or the expense ratios. I strongly suspect the difference in per...
by CWRadio
Wed Apr 03, 2019 11:09 am
Forum: Personal Investments
Topic: Is it time to change my portfolio?
Replies: 7
Views: 778

Re: Is it time to change my portfolio?

Changes made to ordinal post to answer above questions. Thanks
by CWRadio
Wed Apr 03, 2019 10:34 am
Forum: Personal Investments
Topic: Is it time to change my portfolio?
Replies: 7
Views: 778

Is it time to change my portfolio?

I currently have a slice and dice 40% equity IRA portfolio which I activated January 2013 (see benchmark results for allocations and explanation of fund names ). Total expense of IRA portfolio is .22% I benchmarked this portfolio with VSCGX (Vanguard LifeStrategy Cnsrv Gr) and a 4 fund (see benchmar...
by CWRadio
Tue Mar 26, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: Why take the risk with equities?
Replies: 122
Views: 8202

Re: Why take the risk with equities?

A little off subject, would you take one of these new DNA tests that tells you your biological age as compared to your chronological age before buying a SPIA? Recent interview about this subject with Dr. Moshe Milevsky is at ThinkAdvisor. https://www.thinkadvisor.com/2019/03/22/moshe-milevsky-are-yo...
by CWRadio
Sun Mar 24, 2019 10:56 am
Forum: Investing - Theory, News & General
Topic: Moshe Milevsky: Are You as 'Old' as You Think You Are?
Replies: 3
Views: 984

Moshe Milevsky: Are You as 'Old' as You Think You Are?

Has anyone reviewed Dr Milevsky latest book, Longevity Insurance for a Biological Age ? Recent interview about the subject with Moshe Milevsky is at ThinkAdvisor. https://www.thinkadvisor.com/2019/03/22/moshe-milevsky-are-you-as-old-as-you-think-you-are/?slreturn=20190224113025 Additional reading as...
by CWRadio
Wed Feb 27, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: Simple Retirement Portfolio Strategies
Replies: 3
Views: 579

Simple Retirement Portfolio Strategies

Any comments on the article Simple Retirement Portfolio Strategies by Charles Bolin at:
https://seekingalpha.com/article/423442 ... strategies
Paul
by CWRadio
Tue Feb 19, 2019 1:26 pm
Forum: Personal Investments
Topic: “Won the Game” how do you know?
Replies: 96
Views: 8312

Re: “Won the Game” how do you know?

If you won the game as stated above, should that won money be put into safe place like a CD, bonds or a SPIA?
Paul
by CWRadio
Tue Feb 19, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Purchase SPIA through Vanguard?
Replies: 30
Views: 3548

Re: Purchase SPIA through Vanguard?

Did you notice any differences in the costs - or anything else of note - presented through Vanguard and immediateannuities.com?

Thanks.

RM
I did find a lower price for SPIA at Blueprint Income. https://www.blueprintincome.com/income-annuities-quotes

Paul
by CWRadio
Sun Jan 27, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Investing in a dental implant & Vetting and questions to ask?
Replies: 50
Views: 4385

Re: Investing in a dental implant or ?

I think one has at least 5 options.

1. No tooth
2. Denture
3. Bridge if the adjacent teeth are sound enough
4. Implant in a foreign country
5. Implant in the USA
If the tooth is in the back(#30) and do nothing is your option, what can possible happen?
Thanks
by CWRadio
Sun Jan 27, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medigap plan F become a 'death spiral'?
Replies: 58
Views: 5045

Re: Will Medigap plan F become a 'death spiral'?

For me the rub is once you pick a plan and insurance carrier, the only way to change is thru special exceptions or underwriting (at least in the State where I reside).
Why do some states allow you to switch plans without medical underwriting and others do not?
Paul
by CWRadio
Sun Jan 27, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Desktop Computer (home): Do you leave it "On" or turn "off" after using?
Replies: 77
Views: 4713

Re: Desktop Computer (home): Do you leave it "On" or turn "off" after using?

Does proferance of the operating system improve if you power off and reboot system? Just curious.
Paul
by CWRadio
Sun Jan 20, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1939791

Re: U.S. stocks in free fall

Is there a current book about High Speed Trading? Thanks Paul
by CWRadio
Thu Jan 17, 2019 8:28 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 52016

Re: John Bogle has died at age 89

May the memory of this righteous man be a blessing.
by CWRadio
Wed Jan 16, 2019 12:48 pm
Forum: Investing - Theory, News & General
Topic: An Annuity Hater Revisits SPIAs
Replies: 27
Views: 4772

Re: An Annuity Hater Revisits SPIAs

Interesting paper from Moshe A. Milevsky, Annuity Fables: Some Observations from an Ivory Tower.
https://www.onefpa.org/journal/Pages/DE ... Tower.aspx

Paul
by CWRadio
Sun Jan 13, 2019 3:29 pm
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 71
Views: 10167

Re: pros and cons of target date funds?

I am a fan of DFA's Target Retirement Income funds and use one as my target asset allocation benchmark. These funds are more oriented towards those following a lifecycle investing approach intent on building Liability Matching Portfolios. I'm too cheap to hire an advisor to get access to these fund...
by CWRadio
Tue Jan 08, 2019 2:33 pm
Forum: Investing - Theory, News & General
Topic: Converting a Slice and to Dice to 4 funds
Replies: 14
Views: 921

Converting a Slice and to Dice to 4 funds

I would like to convert my 12 index fund slice and dice portfolio (IRA) to a 4 fund index portfolio ( Total US, Total International, Total US bond and Total international bond funds). At the same time I would like to change my equity position from 40% to 30%. My question, does it matter when I do th...
by CWRadio
Mon Jan 07, 2019 11:16 am
Forum: Personal Investments
Topic: Portfolio Preservation Fund(s)
Replies: 15
Views: 1483

Re: Portfolio Preservation Fund(s)

I'm beginning to answer my own question. While googling around I discovered the Sortino Ratio which almost perfectly describes what I want to maximize. It's a measure of the ratio of returns to volatility with an emphasis on minimizing downside volatility. With the help of portfolioanalyzer and Mor...
by CWRadio
Tue Jan 01, 2019 1:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1939791

Re: U.S. stocks in free fall

by TheTimeLord I chose to go the abrupt route reducing my equity exposure because the pullback in early 2018 got me thinking I have enough what is the point of risking it. I think there is always a tension between risk management and maximizing gains, but for me the closer I got to having what I ne...
by CWRadio
Tue Dec 25, 2018 5:35 pm
Forum: Personal Investments
Topic: Layered Annuities SPIA
Replies: 9
Views: 983

Re: Layered Annuities SPIA

Interesting article in New York Times about SPIA.
https://www.nytimes.com/2018/12/21/your ... nance.html
Paul
by CWRadio
Wed Dec 12, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Dentist payment question
Replies: 1
Views: 259

Dentist payment question

I been having jaw pain for the past 2 months on my lower left side. My dentist, endodontist and family doctor could not find anything wrong (CBCT imaging). My dentist suggested trying a night guard appliance and if it did not work he would not charge me . My question: If the night guard does not hel...
by CWRadio
Sat Nov 24, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 71
Views: 10167

Re: pros and cons of target date funds?

What is the best Target date fund for someone that is in retirement (has no pension) and needs to take money out for RMD?
Thanks Paul
by CWRadio
Thu Nov 22, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Need A Chromebook Recommendation
Replies: 16
Views: 1509

Re: Need A Chromebook Recommendation

Walmart Samsung Chromebook 3 in store $99
by CWRadio
Wed Nov 21, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 117
Views: 11121

Re: Why I plan on buying a life annuity - even if it is a stupid idea

It is important to plan ahead and make binding decisions before cognitive impairment sets in. Examples of these binding decisions could include working with a trusted financial planning firm that can be on the lookout for cognitive impairment and help arrange for necessary additional help, or using...
by CWRadio
Sat Nov 17, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 117
Views: 11121

Re: Why I plan on buying a life annuity - even if it is a stupid idea

Has anyone done comparison shopping on the best place to a buy a SPIA? Thanks Paul
by CWRadio
Tue Nov 13, 2018 11:39 am
Forum: Personal Investments
Topic: Dimensional Funds
Replies: 18
Views: 1961

Re: Dimensional Funds

Is there a way to buy DFA funds without paying advisors fee? Thanks
by CWRadio
Sun Nov 11, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: Paycheck in retirement
Replies: 5
Views: 2091

Paycheck in retirement

I just finish reading Wade Pfau post on using Dimensional Fund Advisors (DFA) Target-Date Retirement Income Funds To Guard Against Interest Rate Risk In Retirement. https://retirementresearcher.com/using-target-date-retirement-income-funds-guard-interest-rate-risk-retirement/ Does anyone use the DFA...
by CWRadio
Sat Nov 03, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: Total expense of my portfolio
Replies: 4
Views: 540

Total expense of my portfolio

I have a 12 fund slice and dice portfolio.
Is there a program or app that I could input the funds name or code and its percentage that is in the fund.
The output of the program would be the total portfolio expense.
Thanks Paul
by CWRadio
Mon Oct 29, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: November "Bogleheads on Investing" podcast guest
Replies: 11
Views: 1263

Re: Jonathan Clements: November "Bogleheads on Investing" podcast guest

My question for Jonathan Clements.
As a safety first investor that is in retirement what investment should I put my safe money in? Example SPIA, bond ladder, tips etc and why?
Thanks Paul
by CWRadio
Sun Oct 28, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 89
Views: 13407

Re: DFA Retirement Income Strategies

How does one purchase a DFA Target-Date Retirement Income Fund. A DFA advisor charge a fee. If I do not require the advice of the advisor but just like the fund how do I purchase? I ask the same question again after checking the web and calling DFA advisors, how do you buy DFA Retirement income fun...
by CWRadio
Wed Oct 10, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 11875

Re: Allan Roth doesn't like single premium annuities

I see both sides of the argument about whether an SPIA is worth it for the longevity insurance. And some of us may have large enough portfolios that this isn't really a concern (a 3% withdrawal rate is pretty safe forever). But I don't see cognitive decline mentioned in this thread , and that's wha...
by CWRadio
Sun Oct 07, 2018 7:19 am
Forum: Investing - Theory, News & General
Topic: Converting a slice and dice portfolio to a three fund portfolio
Replies: 13
Views: 1060

Converting a slice and dice portfolio to a three fund portfolio

I would like to convert my 13 fund (40% equities tax advantaged account) slice and dice portfolio to a three fund portfolio.
My question:
Does it matter when I do the conversion (high market, low market, lower interest rates, etc or in other words timing)?
Thanks Paul
by CWRadio
Sat Sep 22, 2018 1:02 pm
Forum: Personal Investments
Topic: Which Funds to Take RMD From
Replies: 34
Views: 5501

Re: Which Funds to Take RMD From

error post
by CWRadio
Fri Aug 17, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 24
Views: 2967

Re: Pop up tent camper

I have been thinking about a Sylvan Sport Go to pull behind a Tesla Model 3. Check it out. Looks very good with lots of different configurations from tent camping to carrying bikes and canoes to carrying plywood and sheet wall. The airstream base camp was another consideration But honestly, after a...
by CWRadio
Thu Aug 16, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 24
Views: 2967

Re: Pop up tent camper

Have you tried them out via rental first? We rented one once/year for a few summers and noticed how quickly it deteriorated by being exposed to the elements. The zippers corroded and it got musty and mildewy. The kids and we quickly found it unwholesome for our health sensitivities, and we all we’r...
by CWRadio
Mon Aug 13, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 24
Views: 2967

Re: Pop up tent camper

Thank you all for your advice.
I am looking at Livin Lite Quicksilver model 8 pop up tent camper. Unloaded Vehicle Weight about 1000 lbs.
by CWRadio
Mon Aug 13, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 24
Views: 2967

Re: Pop up tent camper

westie wrote:
Mon Aug 13, 2018 1:21 pm
never buy new, campers are like boats, best days are buying and selling. Storage lots are full of them, they depreciate quickly
Any advice on pricing and where to look for a use light weight pop up tent camper? Thanks Paul
by CWRadio
Sun Aug 12, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 24
Views: 2967

Pop up tent camper

Any advice or experience for a Pop Up tent Camper for a Honda CR-V or Toyota RAV4 (tow capacity of 1500 lbs) that a Boglehead can share.
Thanks Paul
by CWRadio
Thu Aug 09, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 6460

Re: Medicare Supplement Companies

Try playing with this web site for pricing:
https://www.freemedicarereport.com/
Use Just review results.

Paul
by CWRadio
Wed Jul 18, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 9781

Re: New Brake Pads

Same type of question as OP 2016 Honda CR_V 74,000 miles Local Honda dealer: $250 pads only per axle and resurface the front rotors . Addition $250 per axle for rotors. $1000 pads and rotors 4 wheels (all Honda parts) Local chain (Meineke, Monro) auto repair: $300 pads and rotors per axle. $600 pads...
by CWRadio
Sun Jul 01, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 5516

Re: Retiring in Michigan (Ann Arbor)

Recipients born before 1946: For 2016 you may subtract all qualifying retirement and pension benefits received from public sources, and may subtract private retirement and pension benefits up to $49,861 if single or married filing separately or up to $99,723 if married filing jointly. Private subtra...