Search found 198 matches

by naha66
Tue Feb 06, 2018 10:14 pm
Forum: Personal Investments
Topic: Raising interest rates are good for bonds.
Replies: 17
Views: 2831

Re: Raising interest rates are good for bonds.

By the same logic lower stock prices are good if you reinvest your dividends. Not true. Dividend payments determine virtually the entire return of investment grade bonds over time with the NAV fluctuating generally around par value, while with stocks, dividend payments make up only about 2-3 percen...
by naha66
Tue Feb 06, 2018 10:10 pm
Forum: Personal Investments
Topic: Raising interest rates are good for bonds.
Replies: 17
Views: 2831

Re: Raising interest rates are good for bonds.

By the same logic lower stock prices are good if you reinvest your dividends. Not true. Dividend payments determine virtually the entire return of investment grade bonds over time with the NAV fluctuating generally around par value, while with stocks, dividend payments make up only about 2-3 percen...
by naha66
Thu Feb 01, 2018 12:22 am
Forum: Investing - Theory, News & General
Topic: Living on Dividends and Interest
Replies: 58
Views: 11491

Re: Living on Dividends and Interest

Skime, Hello & welcome to Bogleheads. When I started investing, I did a study of the most successful investors I could find on the internet. (The idea being what are super successful investors doing)? Most (not all) of the most successful investors I could find ($Millionaires) were all invested...
by naha66
Tue Jan 09, 2018 11:53 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 780
Views: 116140

Re: Year 2000 retirees using the '4% rule' - Where are they now?

First, let's assume that they used a 60/40 portfolio, where half of their equities were in VTSMX (U.S. stocks) and half in VGTSX (international equities), and the bonds were in VBMFX (total U.S. bond market). Let's also assume that their starting portfolio was $1M. Their withdrawals occur at year e...
by naha66
Tue Jan 09, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 780
Views: 116140

Re: Year 2000 retirees using the '4% rule' - Where are they now?

First, let's assume that they used a 60/40 portfolio, where half of their equities were in VTSMX (U.S. stocks) and half in VGTSX (international equities), and the bonds were in VBMFX (total U.S. bond market). Let's also assume that their starting portfolio was $1M. Their withdrawals occur at year e...
by naha66
Sun Jan 07, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Patience And Diversification Crucial
Replies: 52
Views: 10031

Re: Larry Swedroe: Patience And Diversification Crucial

Naha66 wrote You just lost all credibility. The guys 70 like he's going to wait 50 year. You even say in the 1st post in this thread that it might under perform for a long time. I strongly disagree. I think you may be misunderstanding my point. My point is that one should diversify across all the k...
by naha66
Sun Jan 07, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Patience And Diversification Crucial
Replies: 52
Views: 10031

Re: Larry Swedroe: Patience And Diversification Crucial

Midareff wrote It is interesting but at 70 years old I'm not interested in anything that could under perform for long periods. I believe diversifying across factors is perhaps more important the SHORTER the time frame. All factors, including market beta, can underperform at any given time. I think ...
by naha66
Sun Dec 31, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: 1st, your education. Then...Location, Location, Location
Replies: 66
Views: 10091

Re: 1st, your education. Then...Location, Location, Location

( The unemployment rate for college educated during the Great Recession was ~2%...and less in the lager cities .) Why do people just make stuff up,where did you come up with 2% unemployment for college educated labour. It was close to 5% and that was only 25+ year old if add the 21-24 it was a lot ...
by naha66
Tue Dec 26, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: 1st, your education. Then...Location, Location, Location
Replies: 66
Views: 10091

Re: 1st, your education. Then...Location, Location, Location

OP, 1) Many members of my family are millionaires. They ranged from never attended high school to some with graduate degrees from top schools. 2) 50% of my family members are in businesses. Then, some are salary workers. They became millionaires regardless which path they took. 3) My family is spre...
by naha66
Sun Dec 10, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 5966

Re: What mix of intermediate and short term bonds?

I don't know the answer to your question, but I think it is important for people to realize that an intermediate term bond FUND may contain individual bonds of all terms - short, intermediate, and long term. Like total bond market - all those bonds are not intermediate term. It contains bonds of al...
by naha66
Sat Dec 09, 2017 1:44 am
Forum: Personal Investments
Topic: First post from this retiree with questions - my daughter sent me here!
Replies: 34
Views: 4737

Re: First post from this retiree with questions - my daughter sent me here!

You have a 26k income and about 500k in assets. I'm assuming your home is paid for. At age 67 residual life expectancy is about 16 years. You say you are in good health (but on disability ?) so you should factor at least twice that number of years. 4% rule in the present market is completely out of...
by naha66
Wed Dec 06, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 4048

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

Its a dividend and income fund,this is vanguard product summary of VEIPX. This fund is designed to provide investors with an above-average level of current income while offering exposure to the stock market. Since the fund typically invests in companies that are dedicated to consistently paying div...
by naha66
Wed Dec 06, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 184
Views: 17716

Re: One answer to the Dividend stocks puzzle from behavioral finance

Howdy This whole thread is amazing. I’m still not sure what the debate is about. The only thing that is sure is that dividends impose a tax drag on a taxable account. The debate is about the validity, rationality, or practicality of any of the following things: 1. Dividends are good because you get...
by naha66
Wed Dec 06, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 4048

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

1. Jack Bogle likes dividends 2. Jack Bogle dislikes factor investing. A lot of the same people who bash dividends are the same people are jumping on the bandwagon of Swedroe and factor investing including the young mod who said "i love the dividend wars". I can read the undercurrent of t...
by naha66
Wed Dec 06, 2017 8:11 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 4048

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

1. Jack Bogle likes dividends 2. Jack Bogle dislikes factor investing. A lot of the same people who bash dividends are the same people are jumping on the bandwagon of Swedroe and factor investing including the young mod who said "i love the dividend wars". I can read the undercurrent of t...
by naha66
Wed Dec 06, 2017 12:12 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 4048

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

We've been all around and all over the topic, but still I struggle with why so many investors so vehemently demand dividends as critical, and dismiss capital losses and gains as unimportant. Can it be the case that dividends are perceived as moral sources of return, because the corporation chooses ...
by naha66
Wed Dec 06, 2017 12:02 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 4048

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

1. Jack Bogle likes dividends 2. Jack Bogle dislikes factor investing. A lot of the same people who bash dividends are the same people are jumping on the bandwagon of Swedroe and factor investing including the young mod who said "i love the dividend wars". I can read the undercurrent of th...
by naha66
Thu Nov 30, 2017 9:58 am
Forum: Personal Investments
Topic: etf taxes
Replies: 0
Views: 260

etf taxes

I have a etf that a ex-dividend of 28th of Dec 17 and a payment of Jan 4th 18. Are they treated like stocks and the tax year is 2018?
by naha66
Sun Nov 12, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: Firstrade, Comission Free Vanguard & Ishare ETFs
Replies: 4
Views: 1118

Re: Firstrade, Comission Free Vanguard & Ishare ETFs

They also allow expats to open accounts, as a Scottrade account holder who Knows what Ameritrade will do. It gives me a option if ameritrade closes my accounts.
by naha66
Sun Nov 12, 2017 3:39 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 4917

Re: Fidelity 10X Retirement Rule - - Valid???

From Fidelity: How much do I need to save for retirement? To get to your retirement end zone, aim to have saved 10 times your salary by retirement, assuming you retire at age 67. The 10x savings rules of thumb are developed assuming age-based asset allocations consistent with the equity glide path ...
by naha66
Sun Nov 12, 2017 3:36 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 4917

Re: Fidelity 10X Retirement Rule - - Valid???

It is a perfectly fine rule of thumb, as plenty of empirical research has repeatedly shown. I think the Expenses Brigade always has a knee jerk reaction to this that they don't have for many other topics and I don't understand the religious fervor. If someone saves 10 years of salary by the time th...
by naha66
Sun Nov 12, 2017 2:00 am
Forum: Personal Investments
Topic: Help: iShares lists different holdings for same ETF (AOR)
Replies: 5
Views: 1466

Re: Help: iShares lists different holdings for same ETF (AOR)

They have changed it slightly again a drop down to 7 ETF's from 10. I'm with Scottrade and due the changeover to TD Ameritrade I have been told no mutual funds( expat). I can keep my account but only ETF's. If I want a all in one fund this is the lowest cost etf I can find. AOR has over 1B in AUM it...
by naha66
Fri Nov 10, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 3729

Re: Comments on Kia Soul?

I've driven three different Kia models for a week+ as rental cars: Forte, Optima, and Rio... I have not driven the Soul, but my impression of Kia from the other models was lousy. They did not handle well, noisy, and just unappealing 'feel'. I actually enjoyed the Hyundai rental cars I've had though...
by naha66
Wed Nov 08, 2017 12:35 am
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 11452

Re: "I took all my money out of the stock market and it feels amazing"

Wait a minute. Let's back up a minute here. Where's the money? She inherited money in the early 1980's. You'd have to assume that it was placed in a taxable account and it wasn't an inherited 401k (she didn't mention taking any out--no RMD's from an inherited 401k were described). She has continued...
by naha66
Sun Nov 05, 2017 5:12 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 96
Views: 8016

Re: Out of network care

Toofache32
Do you have any medicare or medicaid patients?
by naha66
Tue Oct 10, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 24094

Re: Dividends vs. Capital Gains for Spending Needs?

I make less than the median American wage and dividends are a problem for me. Why? They are an inefficiency which costs me extra money at tax-time, because California taxes me 6% on my dividends. Another apples to oranges case i pay no state taxes where I live. It not my fault you live in Californi...
by naha66
Tue Oct 10, 2017 1:21 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 24094

Re: Dividends vs. Capital Gains for Spending Needs?

I make less than the median American wage and dividends are a problem for me. Why? They are an inefficiency which costs me extra money at tax-time, because California taxes me 6% on my dividends. Another apples to oranges case i pay no state taxes where I live. It not my fault you live in California...
by naha66
Mon Oct 09, 2017 11:01 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 24094

Re: Dividends vs. Capital Gains for Spending Needs?

I love dividends! Well, not exactly, but I do tilt toward dividend paying stocks in my portfolio. I simply do so in my Roth IRA. Value stocks tend to be more likely to pay a dividend as compared to growth stocks, and I own Vanguard’s small cap and mid cap indexes in my Roth IRA. I also own the REIT...
by naha66
Sat Sep 23, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 15328

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

I agree with Larry on this one. Plus, high dividend stocks are likely overvalued due to behavioral aspects-i.e. there are lots of people who irrationally prefer them. Because dividend stocks have interest rate term exposure, falling interest rates have been a significant headwind for dividend stock...
by naha66
Mon Sep 18, 2017 6:59 am
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 6230

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

Is is fact that the average bull market is 9 years and growth is 4%. We still haven't hit 9 and growth is still about 2%.
by naha66
Sun Sep 17, 2017 8:30 am
Forum: Investing - Theory, News & General
Topic: Investing in a Low-Return World: Howard Marks' 6 options
Replies: 44
Views: 5345

Re: Investing in a Low-Return World: Howard Marks' 6 options

Let me know when the low returns get here, then I'll make a pick. You know what it might start tomorrow or maybe 5 years from now, who knows.
by naha66
Fri Sep 01, 2017 1:55 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 48603

Re: Michael Kitces 4% rule podcast on Madfientist

Recently, I've been tracking the yield of my portfolio both in terms of dollars and %. Its been more of a curiosity; but lately I've started thinking about it as an income floor that the portfolio can generate, while anything over that as supplying variable income. To put numbers on it, say 2% is t...
by naha66
Thu Aug 31, 2017 8:59 am
Forum: Personal Investments
Topic: Absolute noob when it comes to investing needs advice
Replies: 80
Views: 6477

Re: Absolute noob when it comes to investing needs advice

+1 on the annuity He in Otar's red zone. In fact I would buy one now for enough to reach his $1500 income needs, and invest the rest in something safe with about a 50/50 allocation. Then sometime in early 70-75 look at buying another one if needed for inflation. I would also look at moving to a LCOL...
by naha66
Mon Jul 10, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 24825

Re: Dividend Misunderstandings & Only Spend Return

A major point in the dividend debate is the fact that dividends are taxed at a higher rate than capital gains . Most people think that the money will be better spent by the taxpayers than the government. I think that some investors believe that they will spend the profits better than the folks who ...
by naha66
Fri Jul 07, 2017 1:52 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 24825

Re: Dividend Misunderstandings & Only Spend Return

6. Aversion to "selling" - it feels like a loss of assets. As long as the number of shares doesn't go down then I don't feel like I am decumulating. Coda. If the company is buying back stock you are actually *accumulating* even though it won't feel like it. [/b] The only problem with buyi...
by naha66
Tue Jul 04, 2017 9:38 am
Forum: Personal Investments
Topic: Help me understand this preferred stock
Replies: 11
Views: 1767

Re: Help me understand this preferred stock

I have traded preferred stocks for a couple decades but never owned this one. The issuing company, Chico's FAS , is a women's apparel enterprise. The preferreds are callable at $25 per share in 2023 and 2025 respectively. You can find more detailed information on the links below from http://www.qua...
by naha66
Sun Jun 18, 2017 9:27 pm
Forum: Personal Investments
Topic: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?
Replies: 132
Views: 18557

Re: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?

Do you want $300 a month that you don't pay any taxes on? Or do you want $600 a month that you pay $300 a month taxes on leaving you with $300 a month to spend? Why do smart people make statements like this, not everybody is in the same tax bracket/situation. These blanket statement are bad, you ne...
by naha66
Sun Jun 11, 2017 1:39 am
Forum: Personal Investments
Topic: Seeking Financial Advice for a Widow
Replies: 21
Views: 3779

Re: Seeking Financial Advice for a Widow

Single Premium Immediate Annuities are about the only annuities recommended on the forum. Consideration might be given to so called longevity insurance. All such products have drawbacks and are not for everyone but they are worthy of consideration particularly with the disappearance of the employer...
by naha66
Mon May 29, 2017 4:12 am
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 8699

Re: Retiring in southern college town

Barefootgirl wrote:
It's not like the south is really that different, anyway.
From my point of view, it's quite different, but less so in college towns and most of Florida.

I am looking forward to leaving.





:beer I've have a beer when you leave :D
by naha66
Thu May 25, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1 Day Transfer
Replies: 40
Views: 10339

Re: Ally 1 Day Transfer

I spoke to Ally today since I was not seeing 1 day transfer as an option for one of my external bank accounts, but was seeing for another. They informed me that in order to qualify for 1 day transfers, you must have transferred at least $200 every 60 days and their system only checks this every 3 m...
by naha66
Tue May 16, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: How Old Habits Can Sabotage Retirement
Replies: 51
Views: 10606

Re: How Old Habits Can Sabotage Retirement

Hmmm. There are better ways to ensure prudent spending in retirement while allowing investors to maintain the psychological comfort of a wall between capital and income. One is by “managed payout” funds that pay a percentage of their value, such as an annual 4% “income,” in installments specified b...
by naha66
Mon May 15, 2017 12:31 pm
Forum: Personal Investments
Topic: Safe, low volatility ETFs with monthly dividend payout
Replies: 14
Views: 1896

Re: Safe, low volatility ETFs with monthly dividend payout

Can anyone recommend one or more safe, low volatility ETFs with monthly dividend payouts? Thanks. I don't know what your definition of "low volatility" covers. Short term bond funds (above) have the lowest volatility but the lowest dividends. An Intermediate bond fund will pay out more, b...
by naha66
Sat May 13, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: recent widow needs help with life insurance payout options
Replies: 44
Views: 4574

Re: recent widow needs help with life insurance payout options

If I am hearing people correctly it sounds like Option #3 (Life Income) is not "the deal of a lifetime", i.e. I thought collecting $356,000 if I live to age 85 sounded like a huge amount of money, but maybe it's not.. I wouldn't go so far as to say it's the "deal of a lifetime",...
by naha66
Tue May 09, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: S. Korea (Seoul+DMZ tour+?), 1 week in mid-May
Replies: 13
Views: 2201

Re: S. Korea (Seoul+DMZ tour+?), 1 week in mid-May

Wow, Korean food lousy? I think it's a highlight of a trip to Korea. It's worth investing some time to learn about it before you go. With a week, you won't have time to venture too far from Seoul, especially with a day spent at the DMZ. You might try a day trip to Suwon fortress and a day at the Ko...
by naha66
Mon May 08, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 258
Views: 51924

Re: Kotlikoff: When Should you Take Social Security?

Its their retirement, so they should do what makes them happy. However, I have found that many folks on this board are predisposed to collect at 70 and pretty much blow off any opposing collection strategies.

I have a minor child, I would be dumb to wait.
by naha66
Sun May 07, 2017 2:50 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 4734

Re: Deceptive Billing by Dermatologist?

DW contacts local dermatologist practice to inquire about having a few lesions frozen as a cash / customer pay transaction. She is given a number as a flat fee for freezing up to xx number of lesions. She arrives at office and again explains her reason for visiting and pays up front the flat fee. O...
by naha66
Sun Apr 30, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 4734

Re: Deceptive Billing by Dermatologist?

Let me play the Devil's advocate. A patient goes to a dermatologist for self paid cosmetic work. During the exam the the dermatologist sees a lesion which is a possible melanoma (serious skin cancer). But because the patient was there for only the cosmetic work she disregards it. The lesion indeed ...
by naha66
Sat Apr 01, 2017 1:02 am
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 17047

Re: Do you use lifestrategy/ asset allocation funds?

'm looking at Ishares AOM iShares Core Moderate Allocation ETF, being a Expat(us citizen) not suppose to own mutual funds. Schwab says I can own these. I'm at Scottrade now pending their merger with Ameritrade and they don't like expats. Anybody have thoughts on these etf"s. AOM looks like 40/6...