Search found 198 matches

by naha66
Mon Jan 30, 2017 1:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 604
Views: 127342

Re: Vanguard's Wellesley Income fund is incredible

Dottie57 wrote:Is OP taling about Wellesley or Wllington? Wellesley is not 60/40 stocks to bonds but. About 33/66 according to Vanguard site. Wellinton is the on which is 60/40.
Read the OP again.
by naha66
Sat Jan 28, 2017 11:21 am
Forum: Personal Investments
Topic: Help with mother-in-law's finances
Replies: 34
Views: 3478

Re: Help with mother-in-law's finances

I don't know what you people are reading, her expenses are only 30k a year. If she take the annuity her monthly short fall is $820, take 6k out of the 401k(+a little extra to cover taxes). As for the downsizing comment :? Why? She is going to be making 45k plus a year and the $1680 annuity. 265K in ...
by naha66
Fri Jan 20, 2017 11:12 pm
Forum: Personal Investments
Topic: Vanguard Diversified Equity Fund (VDEQX) on taxable
Replies: 9
Views: 1314

Re: Vanguard Diversified Equity Fund (VDEQX) on taxable

I would look at VEIPX(Vanguard Equity-Income). Not everybody has to worry about investments in taxable.


https://www.portfoliovisualizer.com/bac ... sisResults
by naha66
Sat Jan 07, 2017 12:29 am
Forum: Personal Investments
Topic: Income funds
Replies: 26
Views: 3526

Re: Income funds

FARFX appears to be closed to new investors, maybe you mean FIXRX? In my personal opinion the Fidelity "income replacement" funds are just silly. It's hard to think of a situation in which they make sense. You can come up with scenarios, but you have to think about them. The big problem i...
by naha66
Sat Dec 10, 2016 1:35 pm
Forum: Personal Investments
Topic: VDIGX, VWELX, VWINX - keep or sell?
Replies: 4
Views: 1222

Re: VDIGX, VWELX, VWINX - keep or sell?

They are closing VDIGX to new money because too much $$ is going in it. Vdigx it is a very popular fund just not on this board. VDIGX has outperfomed VTI for the past 15 years.


http://performance.morningstar.com/fund ... ture=en_US
by naha66
Tue Nov 08, 2016 12:01 am
Forum: Personal Investments
Topic: Portfolio adjustments?
Replies: 3
Views: 766

Re: Portfolio adjustments?

Zero deb t Single Fed tax 15% state tax 3.51% Nebraska,spend 10 months living overseas 61 retired 45/55(counting cash) Less than 20% international mid 6 figures SS 62\1675,66/2/$2230, 70/$2950 Taxable 55% Cash 16% at capital one money market at !% Veipx 19% Vanguard Equity-Income Bnd 15% Bsv 5% Van...
by naha66
Sat Nov 05, 2016 7:02 am
Forum: Personal Investments
Topic: Portfolio adjustments?
Replies: 3
Views: 766

Portfolio adjustments?

Zero deb t Single Fed tax 15% state tax 3.51% Nebraska,spend 10 months living overseas 61 retired 45/55(counting cash) Less than 20% international mid 6 figures SS 62\1675,66/2/$2230, 70/$2950 Taxable 55% Cash 16% at capital one money market at !% Veipx 19% Vanguard Equity-Income Bnd 15% Bsv 5% Van...
by naha66
Sun Oct 30, 2016 12:02 am
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 10476

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. :) Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calcu...
by naha66
Sat Oct 29, 2016 11:49 pm
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 10476

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. :) Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calcu...
by naha66
Sat Oct 29, 2016 11:40 pm
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 10476

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. :) Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calcu...
by naha66
Thu Oct 27, 2016 9:30 pm
Forum: Investing - Theory, News & General
Topic: Part one of two parter on dividend strategies via active funds
Replies: 5
Views: 973

Re: Part one of two parter on dividend strategies via active funds

Since I can't buy DFA funds without a advisor, What are your fees? I could not find them on your site.
by naha66
Fri Oct 14, 2016 2:33 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's New Book is Available Now!
Replies: 164
Views: 27026

Re: Larry Swedroe's New Book is Available Now!

Naha66, "Financial Porn" is a pretty strong statement. The TSMers can certainly argue whether diversifying across factors is worth the increased costs, complexity, tracking error. But describing a Larry Swedroe book as "Financial Porn" is really completely out of line. As I'm su...
by naha66
Thu Oct 13, 2016 8:43 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's New Book is Available Now!
Replies: 164
Views: 27026

Re: Larry Swedroe's New Book is Available Now!

This is financial porn for the vast majority of us, The book is for the financial geeks of the board, will it really make much of difference. I don't think so.
by naha66
Fri Oct 07, 2016 7:52 pm
Forum: Personal Investments
Topic: Foresters Life? [Life Insurance]
Replies: 43
Views: 7764

Re: Foresters Life?

I corrected the typo - these are Deferred INCOME Annuities not INDEX ALL annuities are garbage. That's basically an immediate annuity. Post a link to the prospectus and I'll dissect it. Putting money into an immediate annuity (AKA income annuity) is like deciding that taking a vacation at age 65 is...
by naha66
Tue Oct 04, 2016 11:41 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 14916

Re: Mitsubishi ductless heating/cooling unit

I have the Mitsubishi mini-split system in our new addition. I cannot believe how cool in makes the new 12X20 room. In just 5 minutes if I turn on the AC it works great. This unit is not noisy at all, very quiet. It does blow air like a breeze so don't put it in direct flow of where you are sitting...
by naha66
Sun Oct 02, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Desktop vs. Laptop Computer
Replies: 56
Views: 7717

Re: Desktop vs. Laptop Computer

Desktop is the best if you have tablets already. Desktops last longer, are easier/cheaper to fix and upgrade.
by naha66
Wed Sep 28, 2016 10:09 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 80
Views: 22307

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

rattlenap wrote:Yes, Warren Buffett actually stated on more than one occasion this is what he would recommend for the average investor. Whether he is right or not is anybodies guess.
Show me where he is quoted saying this, and when he is not talking about his wife's trust.
by naha66
Mon Sep 26, 2016 5:26 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 80
Views: 22307

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index Where did he recommend that? I only saw where he instructed the trustee for his wife's assets to invest his wife's assets that way after he is gone. +1 I think either people can't read or don't bother.
by naha66
Fri Sep 16, 2016 11:03 pm
Forum: Personal Investments
Topic: Met life Modified Annunity Contract
Replies: 21
Views: 2742

Re: Met life Modified Annunity Contract

Hey boglefeet (JoeyMarket) if you don't know the the terms of the annuity you have no business telling him what to do. Lets Wellsroad report back on the terms of annuity and some of the poster on this site that know annuities can give him suggestions. To make the blanket statement this annity is ba...
by naha66
Wed Sep 14, 2016 3:38 am
Forum: Personal Investments
Topic: Met life Modified Annunity Contract
Replies: 21
Views: 2742

Re: Met life Modified Annunity Contract

Hey boglefeet (JoeyMarket) if you don't know the the terms of the annuity you have no business telling him what to do. Lets Wellsroad report back on the terms of annuity and some of the poster on this site that know annuities can give him suggestions. To make the blanket statement this annity is bad...
by naha66
Wed Sep 07, 2016 6:57 pm
Forum: Personal Investments
Topic: Early Retirement - Planning Questions ... UPDATE
Replies: 48
Views: 7723

Re: Early Retirement - Planning Questions ... UPDATE

Her 401k at work (not available until she is 65 per 401K plan.

Is this true? I have never heard of this, not even a roll over when you leave for any reason?
by naha66
Wed Sep 07, 2016 10:59 am
Forum: Personal Investments
Topic: PDT. What is this fund?
Replies: 15
Views: 1803

Re: PDT. What is this fund?

Seems PDT is a relatively high cost, high risk, leveraged closed end fund that has performed well in an environment of generally decreasing interest rates when many investors are grasping for yield . There appears to be few competitors in this sector of the closed end arena. This fund may not perfo...
by naha66
Wed Sep 07, 2016 6:27 am
Forum: Personal Investments
Topic: PDT. What is this fund?
Replies: 15
Views: 1803

Re: PDT. What is this fund?

It may have high fees but the manager has earned it. I used to own it, hindsight wish i hadn't sold it.

http://performance.morningstar.com/fund ... ture=en_US
by naha66
Tue Aug 30, 2016 11:53 pm
Forum: Investing - Theory, News & General
Topic: Farmland investing
Replies: 35
Views: 5903

Re: Farmland investing

We own a large family farm in Nebraska and, like mentioned in previous posts, farmland prices have cycles and we currently are near peak bubble price levels (it currently is 10% down from the peak in mid-2013). This particular farmland bull market started in 2005 with the approval of the Renewal Fu...
by naha66
Mon Aug 29, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 133
Views: 18728

Re: Buying a new home at age 50 in a nicer neighborhood

I would think twice about buying the 1st home that backyard is a deal killer for most buyers. That was the backyard,the downhill off the patio/deck? If you ever have to sell you lose a lot of buyers. My brother had a back yard like that it took for ever to sell and when he did sell it almost 15% und...
by naha66
Sun Aug 28, 2016 7:57 am
Forum: Personal Investments
Topic: How much PrimeCap vs Total Stk Mkt
Replies: 25
Views: 3991

Re: Total International Bond Index Fund ?

EDIT: Taylor - I took a few more mins to look at that Target Retirement fund. Seems a bit odd to me. I realize the "set it and forget it" approach that would be helpful to many, but some of the components are questionable. 16% is in the International Bonds fund!?!? I thought the jury was ...
by naha66
Sun Aug 28, 2016 3:13 am
Forum: Investing - Theory, News & General
Topic: "How to Tell if Your Retirement Nest Egg Is Big Enough"
Replies: 61
Views: 19074

Re: "How to Tell if Your Retirement Nest Egg Is Big Enough"

with 20-25 years worth of residual expenses in "safe" fixed income In the age of no pensions having 20-25 years invested with no risk does not seem practical for middle class. Think that would translate into never retiring or maybe retiring at 65. A plan to work until 65 for Fortune 500 c...
by naha66
Thu Aug 25, 2016 4:47 am
Forum: Personal Investments
Topic: Help with my Mother's investments
Replies: 9
Views: 1189

Re: Help with my Mother's investments

Vanguard sell spia annuities You can call them they work commission free. You can go here http://www.immediateannuities.com and get a idea of rates. Remember only a spia.
by naha66
Thu Aug 25, 2016 4:29 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 23967

Re: Retirement: Where $200K Will Last 30 Years

I'm surprised the Philippines didn't make the list. English is also widely spoken here. I have a 2 bedroom apt,along with all utilities (elect,cable,internet and water for about $375. We have one big and one small mall less than a 10 minute walk. We even have a TGIF, 2 Starbucks,Seattle Best, and ot...
by naha66
Wed Aug 24, 2016 4:47 am
Forum: Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 9276

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

I'd like to hear how that conversation goes. HE: Hey honey! Since my at-home business has slowed down, why don't we just say I "retired". Of course we need money to live on, so I think it would be safe if you just kept working...until you get enough Social Security for us to live off of. ...
by naha66
Tue Aug 23, 2016 11:51 pm
Forum: Personal Investments
Topic: Help with my Mother's investments
Replies: 9
Views: 1189

Re: Help with my Mother's investments

It might wise to check out a SPIA annuity with only $196500 in funds. 120k will get her about $700 a month. That still leave her with $76k to invest in a very conservative low cost fund or just put it in CDs. Most likely her disability is cola so only 30% of her income is exposed to inflation. She c...
by naha66
Sun Aug 14, 2016 11:53 am
Forum: Personal Investments
Topic: Vanguard total stock market returns with dividends table?
Replies: 3
Views: 1310

Re: Vanguard total stock market returns with dividends table?

Try this out, some guy on the early-retirement board designed it.

http://divicalc.com/index_dev.php
by naha66
Wed Aug 10, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 133
Views: 18728

Re: Buying a new home at age 50 in a nicer neighborhood

your savings of ~$900K are lower than BH standards.


I just love statements like these. :?
by naha66
Tue Aug 02, 2016 12:12 am
Forum: Personal Consumer Issues
Topic: is this wise? purchasing honda cbr 250r
Replies: 59
Views: 5269

Re: is this wise? purchasing honda cbr 250r

The OP made this statement in his 1st post of this thread. The group of riders I would be with all have 250cc and ride very responsibly Give it up, it a hobby for him. Check this review out on the bike, seems like it does just fine at 70-75 on the freeways. http://www.cycleworld.com/2014/01/28/honda...
by naha66
Mon Aug 01, 2016 11:46 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 51
Views: 6803

Re: anyone own a stingray corvette? how do you like it?

Porsche and reliability don't belong in same thought. Speaking as a owner of 914, 911 and everything between them, they have had major issues thru the years. Check out the below link. You can't touch the vette performance with a Porsche for same cost and don't ask about maintence cost, but they are ...
by naha66
Mon Aug 01, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: is this wise? purchasing honda cbr 250r
Replies: 59
Views: 5269

Re: is this wise? purchasing honda cbr 250r

The bottom line is all his friends he will be riding with have bikes in the 250 range. Why are some of you people telling him to get a big bike. A 250 is the perfect size to learn on. I started on a Yamaha RD 250 back in 1973, with me at 120 lbs it was plenty fast. Get the 250!
by naha66
Sun Jul 31, 2016 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 26119

Re: SSA MANDATORY cell phone based multifactor authentication

For those who were not successful getting a code, now on SSA website: We are working to fix a problem that is preventing Verizon wireless customers from receiving the cell phone security code. Verizon customers are unable to access their personal my Social Security account at this time. Only the th...
by naha66
Fri Jul 29, 2016 10:22 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 24816

Re: Car totaled, no collision insurance

snackdog wrote:Four cars seems excessive.
Did you read the whole thread?
by naha66
Wed Jul 20, 2016 3:21 am
Forum: Investing - Theory, News & General
Topic: Adding value by combining value and Momentum
Replies: 35
Views: 7598

Re: Adding value by combining value and Momentum

To think someone called Paul Merriman anti-bogle at least he recommended low cost Index funds. These funds all have > .90 expense fees and sure Larry's clients have access to lower cost but we don't. So whats the end game?
by naha66
Tue Jul 19, 2016 10:18 pm
Forum: Investing - Theory, News & General
Topic: Capital One 360 Savings Account Bonus - Free $500....
Replies: 17
Views: 4628

Re: Capital One 360 Savings Account Bonus - Free $500....

Just open a capital one money market for 1.00 %
by naha66
Tue Jul 19, 2016 2:11 am
Forum: Personal Investments
Topic: Vanguard Target Retirement 2055 Fund - Rate of return 2%!
Replies: 25
Views: 8899

Re: Vanguard Target Retirement 2055 Fund - Rate of return 2%!

Miriam2 wrote:Perhaps the international component of the Target Date 2055 is dragging it down somewhat?
Perhaps a bit of a understatement.
by naha66
Tue Jul 19, 2016 1:45 am
Forum: Investing - Theory, News & General
Topic: Anti-Boglehead Claims There is a Better Way to Invest
Replies: 82
Views: 13248

Re: Anti-Boglehead Claims There is a Better Way to Invest

Okay joer1212 and taylor what do think of this portfolio and no it's not mind. This is a Larry portfolio notice no Total stock market etf or fund. I myself own mostly Vanguard index funds, but I do hold one Cef HTD( John Hancock tax advantaged dividend income fund) it has been one of my core holding...
by naha66
Mon Jul 18, 2016 9:53 pm
Forum: Investing - Theory, News & General
Topic: Anti-Boglehead Claims There is a Better Way to Invest
Replies: 82
Views: 13248

Re: Anti-Boglehead Claims There is a Better Way to Invest

Has anyone here ever heard this guy? He makes some controversial statements about Boglehead-style investing, yet I have to admit that some of it makes sense: http://paulmerriman.com/10-reasons-dont-like-vanguards-total-stock-market-index-fund/ http://www.marketwatch.com/story/why-vanguard-total-sto...
by naha66
Tue Jul 12, 2016 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 13654

Re: Private vs State School?

In the end, in my opinion, the name of the school on the resume is worth more than what the kid might learn in the classroom. I don't doubt this is true for some professions, but it is a sad statement. Glad I work in a field where your actual skills, knowledge, and intelligence matter far more than...
by naha66
Mon Jul 11, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Real career path for a 23 yr old with no college degree
Replies: 50
Views: 14557

Re: Real career path for a 23 yr old with no college degree

Comcast (insert local cable company) installer. They will train you from zero. That where some of their sales people start. Plus the installer tech can and does upsales which pays bonuses. They are the front line sales people. My son started with them about a year ago and doing just fine with his AD...
by naha66
Sat Jul 09, 2016 3:20 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 650
Views: 89765

Re: Picking College and College Scholarships

BIll Gates and Mark Zuckerberg were both pretty successful Harvard dropouts. Would they have succeeded just as well even if they hadn't attended Harvard for a short time. No one knows. In no world can you possibly think that the REASON Bill Gates and Mark Zuckerberg became successful was because th...
by naha66
Thu Jul 07, 2016 10:11 am
Forum: Personal Investments
Topic: Wellington Portfolio
Replies: 34
Views: 5447

Re: Wellington Portfolio

Both wellington and wellsley have to 6-7% international. They must have trimmed some of their holdings, earlier in the year they were both closer to 10%. They must have seen brexit coming. LOL