Search found 23240 matches

by dbr
Wed Oct 18, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?
Replies: 7
Views: 699

Re: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?

You won't get any real estate advice on this forum, except that real estate is risky, doesn't count in your portfolio, you should pay off your mortgage, and you should sell your land, properties, and commercial real estate. All of which is bad and misguided advice and not from any experience as an ...
by dbr
Wed Oct 18, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 18
Views: 723

Re: Best smartphone

I wonder how long it is going to take to name about every phone available on the market as the recommended phone.

I'll name iPhone 6 because I have one and have not yet been moved to buy something else.
by dbr
Wed Oct 18, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 15
Views: 734

Re: Brick Chimney Issues

If your structural engineer didn't like it wouldn't it make sense to remove it and just install the proper flue pipe for your furnace and fireplace? I have a real chimney as others have referred to and have in the past had a masonry contractor rebuild the upper part and replace flue tiles that had d...
by dbr
Wed Oct 18, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: gas furnace
Replies: 6
Views: 232

Re: gas furnace

Mine is in the basement where at one time there was a coal burning furnace. What was the coal storage is now a storeroom. It just seems natural, but this installation of the OP is more likely in a warmer climate without a basement. I agree from having been in houses of that sort that furnaces that d...
by dbr
Wed Oct 18, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 32
Views: 2760

Re: Buying 2017 Honda CR-V

BTW, I did notice that the passenger seat in my 17 CRV Touring seems less comfortable than the driver's seat but haven't thoroughly investigated. Reason is that the passenger seat has only 4-way adjustments: forward and back, and seatback angle. The driver's seat can also be adjusted for height, le...
by dbr
Wed Oct 18, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Pension Choice at Megacorp
Replies: 3
Views: 344

Re: Advice on Pension Choice at Megacorp

Pending something we don't know about the cash plan I think I would participate in the cash plan and adjust my other assets to take the overall risk and return consistent with my objectives. This assumes, for example, that if you leave the company that cash can be rolled over to an IRA (or you might...
by dbr
Wed Oct 18, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 9
Views: 696

Re: Mechanics of rebalancing a four fund portfolio

Iv'e rebalanced my funds in the past but it seemed more complicated (too many steps and too much time) than it should be. Maybe I'm looking at it wrong. OK, in one of my IRA's, say I need to sell some of my total US stock ($1289) and some of my total International stock ($1289). I need to buy some ...
by dbr
Wed Oct 18, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: couple of questions regarding inflation and the 4% rule
Replies: 15
Views: 1383

Re: couple of questions regarding inflation and the 4% rule

If I actually follow that, I'll use the same as SS uses, because that is easy. I'll probably get stuck going over 4% because RMDs will force me into it sometime in my mid to upper 70's. I have a substantial ROTH, but the bulk of retirement money will be tax deferred. RMDs can't be converted to ROTH...
by dbr
Wed Oct 18, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 32
Views: 1761

Re: Calculating max electrical load of your home

I hope people who didn't know are fully aware that the current drawn is a function of what it is that is plugged in and not a function of what the service "feeds." That remains true up to the point where a breaker trips or the wiring melts and parts or some switch or socket burns out. That is why wh...
by dbr
Tue Oct 17, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: couple of questions regarding inflation and the 4% rule
Replies: 15
Views: 1383

Re: couple of questions regarding inflation and the 4% rule

Planning programs that try to make estimates of retirement outcomes can take various approaches to this problem. I think there is a lot to say for the historical data approaches such as FireCalc or Otar's program where actual historical inflation is used. Others might argue that inflation as in the ...
by dbr
Tue Oct 17, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 74
Views: 7793

Re: Converting to Safety Razors

"Look sharp, feel sharp, be sharp! How are you fixed for blades? -- Gillette Blue Blades, I mean."
by dbr
Tue Oct 17, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds?
Replies: 33
Views: 2695

Re: Why would anyone buy long term bonds?

One problem with this thread is that it tends to be focused on a particular asset class. This focus is not the path to the best AA. Almost all the threads on bonds in this Forum are hung up on bonds in isolation. As a result most of the discussion is beside the point. There are some reasonable exce...
by dbr
Tue Oct 17, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 18
Views: 2464

Re: Roofer stopped showing up - what are my options?

Maybe I missed something in the posts, but: 1. No expert, but being a good "handyman" and being good at replacing a roof might be very different. 2. It seems to me that thr 50% upfront could be justified by the need for the roofing supplies. Are any of those on your property? 3. What does your insu...
by dbr
Tue Oct 17, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 32
Views: 1761

Re: Calculating max electrical load of your home

Thank you everyone for all the replies. (especially calijim) Again, that's the theory. But I don't know what I don't know. I was wondering if anyone really knows if it possible to draw 240v at half the amperage to draw the same amount of power for one's applications. Sure. Physics says that half th...
by dbr
Tue Oct 17, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: seeking advice on asset allocation, or is Vanguard crazy
Replies: 24
Views: 2078

Re: seeking advice on asset allocation, or is Vanguard crazy

Both age in bonds and some recommendation from Vanguard without more thought on your part as to what you are doing is equally useless. I take your post to be exercise of thought on your part. I recommend reading Larry Swedroe for the the concept of need/ability/willingness to take risk. The need par...
by dbr
Tue Oct 17, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds?
Replies: 33
Views: 2695

Re: Why would anyone buy long term bonds?

Interesting...I was just arguing against LT Treasuries on another thread but decided to do a backtest. The good thing about them is that they are the least correlative asset to stocks. Some consider high return/low correlation to be the "holy grail" of investing. Backtesting stocks, total bond, and...
by dbr
Tue Oct 17, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?
Replies: 7
Views: 699

Re: R/E Investing Approaches: Bogleheads vs MMM vs BiggerPockets?

I don't think Bogleheads have a real estate investing approach per se. There are posters on this forum who own real estate to varying degrees and in various forms. In general the forum itself is "about" mutual fund investing in Vanguard funds so there wouldn't be a particular point of view about oth...
by dbr
Tue Oct 17, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Allocation for the "Risk" part of your portfolio
Replies: 6
Views: 535

Re: Allocation for the "Risk" part of your portfolio

Thank you it was meant to be more of a philosophical question. I'm at 60:40 overall (OK with that) but if I "take away" the bond portion that I set aside specifically for 15-20 years of expenses that leaves me with a 90:10 (Total Stock Index:Total Bond Index)for the rest of the portfolio. Just kind...
by dbr
Tue Oct 17, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: SCHWAB PCRA - Investment help
Replies: 3
Views: 270

Re: SCHWAB PCRA - Investment help

You put your money into whatever your overall financial plan suggests. In my case, for example, my Schwab PCRA holds bond funds because I hold my bonds in tax preferred accounts (401K) and stocks in taxable accounts. The exact proportions depend on your asset allocation and on how your assets divide...
by dbr
Tue Oct 17, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1428

Re: Does bond length matter for investing in bond funds?

Look at the chart for long term bond funds. They are very risky, just as risky as stocks. Personally, I prefer to keep things simple and put what I am comfortable putting at risk in stocks, and then putting what I want to have stable in intermediate term bonds. That is an exaggeration. Long bonds a...
by dbr
Tue Oct 17, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 190
Views: 13223

Re: Dividends vs. Capital Gains for Spending Needs?

I have started reading the paper. So far there are two examples on which I might comment. 1. The paper clearly states that the dividend investors illustrated by the Con-Ed story are idiots. People can make of that what they want. 2. Discussing "representativeness" people queried make a wrong choice ...
by dbr
Tue Oct 17, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ parents investments
Replies: 22
Views: 836

Re: Help w/ parents investments

Fair enough, all good points. I don't necessarily want to manage their investments, other than for their own sake. I'd prefer they do it themselves, for the reasons that you bring up, but I'm not sure how much interest they have in doing it (that's why they were paying the high management fees in t...
by dbr
Tue Oct 17, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ parents investments
Replies: 22
Views: 836

Re: Help w/ parents investments

It is absolutely correct that if there is a risk here to be managed by reducing stock allocation, then that should be done now. I differ somewhat on the risk, however. At a 3% withdrawal rate, if that should come to pass, the risk to continued retirement income is not much more or even any more for...
by dbr
Tue Oct 17, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1428

Re: Does bond length matter for investing in bond funds?

The length of the bond should be related to when you will need the money. If you don't need to withdraw money for 30 years from a fund with an average duration of 10 years, you should be okay. You are taking a risk however, if you plan to withdraw money in 10 years from a fund with an average durat...
by dbr
Tue Oct 17, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ parents investments
Replies: 22
Views: 836

Re: Help w/ parents investments

Because they aren't relying on the retirement accounts at all, their rationale was to put it all in stocks as a way to maximize long term growth for their estate. My Dad did say that if his business income was suddenly zero and had to start withdrawing from the retirement accounts, he would change ...
by dbr
Tue Oct 17, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: Does bond length matter for investing in bond funds?
Replies: 20
Views: 1428

Re: Does bond length matter for investing in bond funds?

I'm currently comparing these two: ITE (SPDR Bloomberg Barclays Intermediate Term Treasury ETF) SPTL (SPDR Portfolio Long Term Treasury ETF) The Intermediate Term fund has depressingly low returns. It's almost like I'm investing in nothing or leaving it in a savings bank. While the Long Term fund h...
by dbr
Tue Oct 17, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ parents investments
Replies: 22
Views: 836

Re: Help w/ parents investments

Maybe try to talk him into putting half of the stock investments in CDs? What kind of stocks does he have? If they're conservative stocks that won't disappear in a bear market, what's the worry? It sounds like he's got some revenue stream with real estate and a pension and medical care to boot. May...
by dbr
Mon Oct 16, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1147

Re: Employer Listens To Brokerage Calls?

I can't imagine an employer who has time to fritter away tracking down recordings at a broker, especially not for something as trivial as trying to guess that someone might be thinking about retiring. If there were some suspected criminal act, such as insider trading, that would be different.
by dbr
Mon Oct 16, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: My investments
Replies: 3
Views: 427

Re: My investments

I just transferred all from Merrill Lynch to Merrill Edge and my adviser had me in CPXIX cohen & steers preferred sec & income ratio .88% also FTRBX federated total return bond fund cl is ratio .47% also LFRFX lord abbett floating rate fund cl f ratio .70%, i want a simple portfolio or should i kee...
by dbr
Mon Oct 16, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1828

Re: Bonds v. bond funds

My understanding is that another concern with bond funds is that the yield is not guaranteed. That's aside from the risk of the value of the fund itself dropping, and so it's particularly a concern if you are using the bond fund yield to live on. My understanding is that if you buy a bond yielding ...
by dbr
Mon Oct 16, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 94
Views: 12673

Re: Annuities-when and why?

I have a pension, my wife's SSA, and some day my SSA. That's enough annuities for me. I think I can get a better return through investing than with annuities. Yes, it is enough annuitization in many cases, but getting better return through investing is easy because annuities (SPIA) don't have retur...
by dbr
Mon Oct 16, 2017 8:05 am
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 94
Views: 12673

Re: Annuities-when and why?

If my portfolio's return can easily keep up with the short fall of this known income stream, why would I want an annuity? I still don't understand any risk that I have of needing a 7% withdrawal rate. I really anticipate my portfolio growing during my transition period from work to death. You shoul...
by dbr
Mon Oct 16, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 32
Views: 1761

Re: Calculating max electrical load of your home

The National Electrical Code lays out the methodology for this calculation. There is software available online to help with this. I recommend consulting an electrician for help. In any case actually installing any new equipment will need to be done by a licensed electrician with building permits and...
by dbr
Mon Oct 16, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 32
Views: 2760

Re: Buying 2017 Honda CR-V

radiowave, from my review of Truecar.com prices in our area, the EX is not even $3,000 more than the very basic LX. We have always bought EX Hondas because we do not need too many extras, but I gotta believe the extras you get with the EX are a huge improvement over the LX. Go ahead and plurge a li...
by dbr
Sun Oct 15, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2237

Re: Dental implants in Poland

I can't imagine getting dental implants from dentists I did not already know (or recommended and referred by the ones I know) and without easy recourse to follow up for whatever issues might develop now or much later.
by dbr
Sun Oct 15, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Why not CDs instead of Short Term Bonds or TIPS
Replies: 24
Views: 2897

Re: Why not CDs instead of Short Term Bonds or TIPS

In my 401k, I maintain some of my "safe" portfolio. This typically consists of taxable bond funds, TIPS funds, etc. This is part of my LP. Larry would of course recommend TIPS or ST Treasuries as part of this allocation. I recognize that TIPS are to protect from "unexpected" inflation. Of course, t...
by dbr
Sun Oct 15, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help/Input 71yr old mother- firing current advisor; simplifying at Vanguard
Replies: 2
Views: 369

Re: Help/Input 71yr old mother- firing current advisor; simplifying at Vanguard

A good first step is to contact Vanguard (or another acceptable broker) and explain what you want to do. They can bring over her investments in kind with possibly little conversation with the current FA. They can advise if there are any funds that cannot be brought over. Selling old funds and buying...
by dbr
Sun Oct 15, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: X times salary, backwards calculation?
Replies: 23
Views: 2172

Re: X times salary, backwards calculation?

I did find the SS and other tabs. It’s default retirement allocation assumption is 75% stocks and 25% bonds which seems awfully aggressive. I changed it to 60% but that didn’t change the results at all. ???? Correct. Retirement withdrawal success is remarkable independent of asset allocation until ...
by dbr
Sun Oct 15, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: The theory seems irrelevant. How does one execute?
Replies: 23
Views: 1597

Re: The theory seems irrelevant. How does one execute?

TL;DR Someone suggested to me that my experience with cryptocurrency would give me the fortitude to invest in the stock market. I do not think that it does, but feel like I can't just sit on cash for the rest of my life. What do I do? No, I would argue that it would make it worse as cryptocurrencie...
by dbr
Sun Oct 15, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 53
Views: 4948

Re: 2018 Honda Accord

Backing into parking spaces is also safer. You have a much better field of vision when leaving the space and you don't have to rely on technology to get out of the space safely. The only time I park nose-in is for lots which have angled parking spaces and only one-way traffic down that aisle, and I...
by dbr
Sun Oct 15, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Maximizing a couples benefits
Replies: 35
Views: 2593

Re: Social Security - Maximizing a couples benefits

In your position -- and in your wife's -- I'd be focused on making sure my wife had adequate income once I died, given that I expect her to outlive me. I don't know exactly what we expect, but our SS strategy includes consideration of what happens when one of us is gone. That has also been our focus.
by dbr
Sun Oct 15, 2017 3:07 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 102
Views: 5121

Re: How does everyone keep track of your portfolio?

You can Google for some Excel entries that download quotes such as at Yahoo and other web sites. Not all information can be automated but it should not be that big a burden unless your accounts are really complicated. The advantage of a spread sheet is just precisely that you can easily enter data m...
by dbr
Sun Oct 15, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: The theory seems irrelevant. How does one execute?
Replies: 23
Views: 1597

Re: The theory seems irrelevant. How does one execute?

Two things: 1. Learn enough about how investments behave to know what to expect, including how low risk investments dilute the risk in high risk investments. From this arrive at a level of comfort. 2. HTHU* and decide to commit yourself to whatever venture suits your objectives. This is stated with ...
by dbr
Sun Oct 15, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 102
Views: 5121

Re: How does everyone keep track of your portfolio?

It would probably be useful to Google on functions in Excel. Functions are invoked when you type the '=' sign into a cell such as
=a1+a2 or =average(a1:15) and things of that nature.
by dbr
Sun Oct 15, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 50
Views: 3414

Re: Amazon Prime - Decline in Delivery Service?

azurekep wrote:
Sun Oct 15, 2017 1:10 pm
I'm not a Prime member but I've found that a lot of normal (i.e., non-Prime orders) come sooner than expected. So while that says nothing about Prime, it does say that non-Prime members don't necessarily get punished for not succumbing to Bezos' pressure tactics.
I have seen that also.
by dbr
Sun Oct 15, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 50
Views: 3414

Re: Amazon Prime - Decline in Delivery Service?

I have no problems. In fact they seemed to have reduced delivery times and increased reliability. Part of that is related to using USPS and part to running their own trucks around. I live in a metro area that probably is very easy for them to service efficiently.
by dbr
Sun Oct 15, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3706

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

clip Bottom line, for now from this particular case, from two (of three) members of a NJ Appeals Court (the third judge dissented here): "“We conclude that a person sending text messages has a duty not to text someone who is driving if the texter knows, or has special reason to know, the recipient ...
by dbr
Sun Oct 15, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2548

Re: Annuities - how does insurance company know you died?

I am not a lawyer and can't give a legal opinion on something like the above, but surely legal opinions exist. Are you citing actual case law or simply expressing your own lay presumptions? Neither, I am a lawyer. LOL I think that is one of the best quotes on here!!! I agree. I really do love it. B...
by dbr
Sun Oct 15, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2548

Re: Annuities - how does insurance company know you died?

I am not a lawyer and can't give a legal opinion on something like the above, but surely legal opinions exist. Are you citing actual case law or simply expressing your own lay presumptions? Neither, I am a lawyer. In that case, is it really true that people who inadvertently acquire pension payment...
by dbr
Sun Oct 15, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 116
Views: 5453

Re: What are you driving? And would you buy your current ride again?

Here is another article that suggests the factors that lead to choosing a car: http://www.nydailynews.com/autos/buyers-guide/10-top-reasons-people-buy-specific-cars-article-1.2552707 Previous experience is number 3 after expected reliability and exterior styling. Funny that the top two are one very ...