Search found 344 matches

by CWRadio
Wed Dec 12, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Dentist payment question
Replies: 1
Views: 59

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: 52
Views: 5715

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: 1345

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: 10737

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: 10737

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: Investing - Help with Personal Investments
Topic: Dimensional Funds
Replies: 18
Views: 1676

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: 2021

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: 521

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: 1195

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: 12917

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: 11062

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: 999

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: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 27
Views: 3689

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: 2895

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: 2895

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: 2895

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: 2895

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: 2895

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: 5846

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: 9493

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: 5224

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...
by CWRadio
Mon Jun 25, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Hedging annuity with life insurance
Replies: 6
Views: 612

Re: Hedging annuity with life insurance

There are usually many annuity payout options available. "Life" just pays out until you die. "Life with X number of years period certain" will guarantee payment for X number of years even if you die before that. You will need to chose a beneficiary. Other options are usually available, too. When yo...
by CWRadio
Wed Jun 20, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 236
Views: 45639

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

lukestuckenhymer wrote:
Tue Jun 19, 2018 11:29 am
VMMXX just broke 2.00%

How many MMs can beat this yield?
For accounts at Fidelity:
FZDXX is 1.93%


Paul
by CWRadio
Tue Jun 12, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity/Pension subsitutes for portfolio
Replies: 31
Views: 2821

Re: Annuity/Pension subsitutes for portfolio

When you buy a SPIA what options should you buy? None, cash back, 10 or 20 year guaranteed, joint etc? Trying to understand the pro and con of each option. Thanks. Paul
by CWRadio
Mon Jun 04, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity with survivor or not
Replies: 13
Views: 1271

Re: Annuity with survivor or not

Would you take any other options besides 100% survivor like, cash back, 10 or 20 year certain? Thanks Paul
by CWRadio
Wed May 16, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Factors Suggesting One Should Buy SPIA
Replies: 90
Views: 7856

Re: Factors Suggesting One Should Buy SPIA

Would it make sense to have ApoE Genetic Test for Alzheimer’s and Cardiac Risk before buying a SPIA?
Paul
by CWRadio
Tue May 15, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 2011

Re: Audiobooks and the Overdrive App

Can the Overdrive app on my Windows PC transfer the book to my Kindle E-reader? The Kindle E-reader now supports Audible.
Thanks Paul
by CWRadio
Fri May 11, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Factors Suggesting One Should Buy SPIA
Replies: 90
Views: 7856

Re: Factors Suggesting One Should Buy SPIA

I just came across this article I would like to share with the group. It is about how Annuities Can Help or Harm Medicaid Eligibility.
https://www.fa-mag.com/news/annuities-c ... 38629.html

Paul
by CWRadio
Mon May 07, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Factors Suggesting One Should Buy SPIA
Replies: 90
Views: 7856

Re: Factors Suggesting One Should Buy SPIA

Little off subject.
Once you decided to buy a SPIA how do you shop for one?
Lowest price?
What options (cash back,etc)?

Does it make sense to buy from a insurance company with poor credit ratings since the state may protect you?
Thanks Paul
by CWRadio
Thu Apr 19, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 11174

Re: Need for Medicare supplemental plan?

First time I've ever heard of Plan "G". Plan F is apparently still available to new enrollees today. I just received an ad in the mail today from Highmark pushing Plan F. They said "...you'll enjoy a monthly premium as low as $155.10..." If plan F goes away the only ones left will be old and sick p...
by CWRadio
Thu Apr 12, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA Return - Am I calculating this correctly?
Replies: 72
Views: 3786

Re: SPIA Return - Am I calculating this correctly?

Chuck wrote:
Thu Apr 12, 2018 12:15 pm
BTW, a 15-year ladder of TIPS is easy to build and would provide actual inflation protection (rather than a fixed 2% pa increase), for $688,250.
Can you please point me to DIY information on building a TIPS ladder. Paul
by CWRadio
Sun Apr 08, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach
Replies: 18
Views: 1896

Re: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach

Additional information can be found at: For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceId=632297&src=Morningstar&date=01-30-2014&nav=no®ion=USA&culture=en-US&ProductCode=mle and Risks of RMD Withdrawal F...
by CWRadio
Sun Apr 08, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 480
Views: 73234

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin M thank you for sharing all your knowledge on CDs.
Please think about a article on what you know what CDs, buying, selling, bond funds etc. Paul
by CWRadio
Tue Apr 03, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity w guaranteed 5-6% return [payout]?
Replies: 50
Views: 6460

Re: Annuity w guaranteed 5-6% return [payout]?

At what age is mortality credit more important then the current interest rates of Treasuries for purchasing a SPIA?
Paul
by CWRadio
Sun Apr 01, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: William Bernstein: Retirement Investing and Spending in two easy steps
Replies: 77
Views: 11007

Re: William Bernstein: Retirement Investing and Spending in two easy steps

I think Dr. Bernstein means put your living expenses (your spending floor) into a TIPS ladder and you can do what you want with the rest - but he should say that explicitly if that's what he means. What about buying a SPIA or a ladder of SPIA (single premium immediate lifetime annuity) in place of ...
by CWRadio
Fri Mar 30, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Hot water safty
Replies: 8
Views: 1324

Hot water safty

Is it safe to use the hot water from a electric hot water heater that has been turned off for 12 months and then turned back on? Thanks Paul
by CWRadio
Sat Mar 17, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 11174

Re: Need for Medicare supplemental plan?

If I remember correctly you have a window of 3 months before and 3 months after your 65 birthday to sign up for a supplement plan without medical underwriting.
Paul
by CWRadio
Sat Mar 17, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 11174

Re: Need for Medicare supplemental plan?

Here is a good web site to check the price of supplements insurance in your state:
https://www.freemedicarereport.com/

Just give zip code and go to "just view results" Paul
by CWRadio
Wed Mar 07, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: What are your auto insurance limits?
Replies: 59
Views: 6250

Re: What are your auto insurance limits?

Any advice on a web site that can help me shop for auto insurance? Thanks Paul
by CWRadio
Sun Mar 04, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: Is Now the Time to Reduce Bond Duration?
Replies: 41
Views: 4894

Re: Is Now the Time to Reduce Bond Duration?

Trying to understand how to handle intermediate bond funds in retirement to meet RMD requirements while the NAV of the fund goes down and yield increase? Thanks Paul I don't understand. At least our RMD's are only dependent on the values on December 31st of previous year, so it doesn't matter what ...
by CWRadio
Sun Mar 04, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: Is Now the Time to Reduce Bond Duration?
Replies: 41
Views: 4894

Re: Is Now the Time to Reduce Bond Duration?

Trying to understand how to handle intermediate bond funds in retirement to meet RMD requirements while the NAV of the fund goes down and yield increase?
Thanks Paul
by CWRadio
Sun Feb 11, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: officiate a marriage
Replies: 14
Views: 1293

Re: officiate a marriage

Thank you all for your information and advice. They mabe be some legal problems as per these two articles due to the location of the ceremony. http://www.nytimes.com/2012/11/18/fashion/weddings/making-sure-that-online-officiant-is-legal.html http://www.churchofancientways.org/articles/validity-onlin...
by CWRadio
Sun Feb 11, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: officiate a marriage
Replies: 14
Views: 1293

officiate a marriage

My nephew asked me to officiate his marriage in New York State Long Island this coming September.

Can anyone share any experience or advice on how to do it.
I understand I need a minster license. Google search show many online minster websites.
Thanks Paul
by CWRadio
Wed Jan 24, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 13961

Re: Kitces article: A cash bucket in retirement? Nope

Both good points. And it is true SPIA is better done when older. Another factor in SPIAs is they are not free of the crushing dictatorship of history. SPIA payout depends on the interest rates prevailing when they are purchased. If real interest rates were much higher than they are now our discussi...
by CWRadio
Sun Jan 14, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Understand Expense Ratio
Replies: 14
Views: 1189

Re: Understand Expense Ratio

I would speculate that the OP means the investments in the two funds had the same returns or maybe are even exactly the same investments. In that case, with the information that holdings of a fund have to be liquidated to pay the costs of a fund, it would be obvious that there would be less wealth ...
by CWRadio
Sun Jan 14, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Understand Expense Ratio
Replies: 14
Views: 1189

Understand Expense Ratio

Trying to clarify how Expense Ratio affect my holdings. Example I have two funds. First fund has a Expense Ratio of 0.10%.(fund one) Second fund has a Expense Ratio of 1.00%. (fund two) In the beginning of the year I put $1000 in each fund. The return at the end of the year is 10%. My question: Whic...
by CWRadio
Thu Jan 11, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 2050

Re: How to pay for a new kitchen and dinning room

Thank you all for replying to my questions.
I will share your answers with my children. Paul
by CWRadio
Wed Jan 10, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 2050

Re: How to pay for a new kitchen and dinning room

Thanks to all
They looked into selling but the love their house, backyard, neighbor hood, schools and location and unable to find anything available. Real shortage of homes in their area.. Paul
by CWRadio
Wed Jan 10, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 2050

How to pay for a new kitchen and dining room

My son called me last night and said he and his wife decided to remodel their kitchen and dinning room. It will cost about $100,000. His question to me what is the best way to finance the remodeling? His current house will be payed off in one year. House is worth about $400,000 He does not have $100...
by CWRadio
Tue Dec 26, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Short-Term Infl-Prot Secs ETF (VTIP)
Replies: 3
Views: 723

Re: Vanguard Short-Term Infl-Prot Secs ETF (VTIP)

abuss368 wrote:
Tue Dec 26, 2017 7:35 pm
CWRadio wrote:
Tue Dec 26, 2017 7:33 pm
I am trying to understand why VTIP dropped 1.40% at the end of the trading day on Friday. Can someone please explain. Thanks Paul
Did the fund go ex-dividend?
Thanks
Distributions on Dec 26