Search found 324 matches

by John Z
Fri Apr 28, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: How to transport pickup truck from orlando, Fl to new hampshire
Replies: 7
Views: 1054

Re: How to transport pickup truck from orlando, Fl to new hampshire

As an aging snowbird wintering in Daytona Beach but living in southern NH, our days of driving back and forth are nearing an end to where we will want our vehicle transported. I was given this company's name from someone in our condo who uses them and I would be calling them in the future. They do n...
by John Z
Tue Apr 25, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Question about dividends paid out by mutual funds
Replies: 3
Views: 595

Re: Question about dividends paid out by mutual funds

Because the price will drop to equal the dividend payout (not counting any daily price movement), and, now you have to declare the dividend in your income tax for the year. Best to buy after dividend payout.
by John Z
Wed Mar 29, 2017 8:58 am
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 57
Views: 8970

Re: What's your strategy for withdrawing funds in Retirement ?

Living Off Your Money by M McClung. Search this forum for previous thread on the book. If you're an engineer (or play one on TV), this book is a great find. I am part way through the book (and still 3 years or so from retirement), but it is very thorough and the website provides an accompanying spr...
by John Z
Mon Mar 20, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard have contrarian funds ?
Replies: 25
Views: 3375

Re: Does Vanguard have contrarian funds ?

The only one I am aware of is the
Vanguard Market Neutral Fund Investor Shares
Requires min of $250K
https://personal.vanguard.com/us/funds/ ... undId=0634
by John Z
Thu Mar 16, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Hitting your number
Replies: 13
Views: 2295

Re: Hitting your number

When we hit our number we gradually went from 60/40 to 50/50 over 5 years. Why chance it? Keep what you have. When we retired we gradually went to 45/65 over 5 years to further protect our portfolio.
by John Z
Thu Mar 16, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 3008

Re: Looking at refurbished desktop PCs

My last 2 PCs (and I keep them a long time) I bought as "scratch, dent and open box" from computer companies and resellers. I was able to get state of the art machines (which allows me to keep them so long) for $100-200 off the selling price. You have to search and wait to find a good deal but they ...
by John Z
Wed Mar 15, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 26876

Re: Costco tire - Michelin vs Bridgestone

I had those Bridgestone tires on my new 2012 Altima 3.5 and I found them to be quiet, responsive and long lasting. I planned to buy another set at 45,000 but traded the Altima at 36,000 miles and could see them lasting another 10,000. No experience with Michlen.
by John Z
Fri Mar 03, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to get the most out of Bogleheads
Replies: 7
Views: 1331

Re: How to get the most out of Bogleheads

For me it was in stages. About 10 years before retirement learned about lazy portfolios, found many variations, researched many along with the allocation I wanted and zeroed in on those topics. Then close to retirement focused on how to efficiently withdraw to ensure portfolio life to the end and pa...
by John Z
Thu Mar 02, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 8374

Re: Replace gas water heater with electric?

Not knowledgeable about hybrid water heaters but asking if you considered additional electrical installation costs of a 220 volt line and whether your current breaker box has room for a 220 volt line.
by John Z
Sat Feb 18, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: The Key to Vanguard High Dividend Yield ETF's Success
Replies: 1
Views: 728

Re: The Key to Vanguard High Dividend Yield ETF's Success

Thank you for this. I've had this index fund for nearly 10 years and have been very happy with its performance. It is my large value holding, about 10% before retirement down to 8% post retirement. And at first I was unhappy with the expense ratio but it has come down to a very acceptable level.
by John Z
Sat Feb 04, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Stress & The Mind/ Brain & Sleep & Behavior Modfication
Replies: 19
Views: 2644

Re: Stress & The Mind/ Brain & Sleep & Behavior Modfication

This is a guy thing but one channel that puts me to sleep and keeps me sleeping is QVC! The constant talking about any product is enough to bore me to sleep.
by John Z
Sun Jan 29, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 4506

Re: Nissan? (Cars.)

I used to drive 130 miles rt a day to work (35,000/yr) so I needed a reliable and cost effective vehicle. I could always get new Nissans at lower prices (at times Honda dealers used to add a "fair market value" increase on top of sticker for Hondas so no deal there whatsoever). And I needed a timing...
by John Z
Wed Jan 25, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard Dynamic Spending Rule - AAII Jan 2017
Replies: 2
Views: 766

Re: Vanguard Dynamic Spending Rule - AAII Jan 2017

Thank you for this info! I don't know how I missed it.
by John Z
Tue Jan 24, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Recommendations near Mandalay Bay Convention Center
Replies: 26
Views: 2279

Re: Recommendations near Mandalay Bay Convention Center

I haven't stayed in these two places for quite a while but they used to be reasonable. Next door is Luxor and next door to that is Excalibur.
by John Z
Wed Jan 18, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone using i-orp as a guide for withdrawals?
Replies: 44
Views: 6461

Re: Anyone using i-orp as a guide for withdrawals?

I wanted to use i-orp to help with withdrawal strategy but felt it was too drastic in what it was guiding me to do with TIRA and ROTH IRA. While searching found a much better reference: Living Off Your Money by Michael H. McClung. The entire book is written for just that, optimizing your earnings wh...
by John Z
Tue Jan 03, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Why Mix Asset Classes in a Single Fund?
Replies: 20
Views: 2007

Re: Why Mix Asset Classes in a Single Fund?

OP, Very good question. Quick summary: I believe that for simplicity during accumulation it is probably best to use a combined fund or funds so that you have better control over asset allocation. But for retirement withdrawals, the opposite is true. You want separate securities and bond funds so you...
by John Z
Sat Dec 31, 2016 2:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372403

Re: What are you up YTD? [Year To Date]

+6.9% 45/55 Coffeehouse retired 4.5 years.
by John Z
Wed Dec 28, 2016 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Small (accidental) indirect rollover- how to?
Replies: 3
Views: 314

Re: Small (accidental) indirect rollover- how to?

I would contact a VG rep. I had to "borrow" a large sum from my IRA for a new condo until I sold my old condo. My instructions were to enclose a check with a letter to VG indicating this was an indirect rollover from account xxxxx. You must repay the money within 60 days so don't procrastinate. And ...
by John Z
Sat Dec 24, 2016 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Vanguard Managed Payout Fund (VPGDX) vs ??
Replies: 36
Views: 7998

Re: Advice on Vanguard Managed Payout Fund (VPGDX) vs ??

I wanted to add further but not take over your post. All in one funds are great for the accumulation phase but do not work for the withdrawal phase since when you sell, you are selling both stocks and bonds and have no control over whether selling stocks or bonds is best. During retirement it is bes...
by John Z
Sat Dec 24, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Vanguard Managed Payout Fund (VPGDX) vs ??
Replies: 36
Views: 7998

Re: Advice on Vanguard Managed Payout Fund (VPGDX) vs ??

Many discussions about this fund so searching can find many opinions mostly negative. A bit difficult to give a good answer/opinion for you since you left out expense numbers, allocation desired, etc. but I'll give a couple of negatives. The expense ratio is high for what it does. On $1 million, $38...
by John Z
Tue Dec 20, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: managing flight risk [travel by plane]
Replies: 30
Views: 2719

Re: managing flight risk

Here's another thought. I've worked for nearly 50 years so have interacted with many people. I can't recall one person I interacted with or knew who perished on a flight but can vividly and instantly recall at least 6-8 people (co-workers, distant family members, friends) who died in vehicle crashes.
by John Z
Mon Dec 19, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 23292

Re: Water Heater Install $1,800!

Having my electric 50 gal replaced this Thursday. Got 3 quotes from the 3 most reputable companies in the area. Lowest $1500. Goes into a garden style condo with a very small water heater closet with room for only one person to put their hands in to work. All plastic piping has to be replaced includ...
by John Z
Sat Dec 17, 2016 7:48 am
Forum: Personal Consumer Issues
Topic: Thoughts on SUV for retirement.
Replies: 54
Views: 5874

Re: Thoughts on SUV for retirement.

Nissan Murano 21 city / 28 highway We drive from NH to FL and back twice a year and unless we encounter one or more major accident or construction delays we consistently get 30 mpg at a minimum. This includes a lot of "cargo" hauling household goods and clothes so we are usually loaded. It has the m...
by John Z
Sat Dec 10, 2016 8:53 pm
Forum: Investing - Theory, News & General
Topic: How do you "value" your portfolio for SWR?
Replies: 35
Views: 3096

Re: How do you "value" your portfolio for SWR?

Sorry if this was previously mentioned. For 4.5 years of retirement, at the end of each quarter I take 1% of my retirement portfolio (either TIRA or Roth IRA to minimize taxes) so if the pot is lower, I get less, if higher, I get more. I put the proceeds either in checking to live on or my taxable T...
by John Z
Fri Dec 02, 2016 8:48 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2016)
Replies: 17
Views: 3088

Re: madsinger monthly report (November 2016)

Thank you for your continued tracking of this information. Retired nearly 5 years with Coffeehouse but now modified from 60/40 to 50/50 and portfolio continues to grow even taking approx 4% per year for living expenses in addition to SS.
by John Z
Thu Dec 01, 2016 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do others handle their withdrawals or distributions
Replies: 21
Views: 2945

Re: How do others handle their withdrawals or distributions

An excellent book entitled Living Off Your Money by Michael McClung provides all you need to know about Income Harvesting Strategies. He examines about a dozen various and known strategies and provides backtesting data for each to show which two provide the maximum income during retirement. It is ea...
by John Z
Thu Dec 01, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What level of wealth will get the attention of an estate attorney?
Replies: 39
Views: 7256

Re: What level of wealth will get the attention of an estate attorney?

When wife and I realized that it was time to establish an estate plan, we found a leading estate attorney in our general area who gave us an approximate cost for a straightforward trust (no divorce, step children, special needs, etc.). No talk of net worth until we got down to details and only for e...
by John Z
Fri Nov 18, 2016 8:27 pm
Forum: Investing - Theory, News & General
Topic: What does a bond bear market look like?
Replies: 91
Views: 11662

Re: What does a bond bear market look like?

Some wisdom of a retired 70 year old: You are 50/50 for a reason. Your bond share prices are going down. Have you noticed that your stock prices are going up? I'm 50/50 and Total Bond is declining but up 2.54% YTD. I am still collecting a monthly dividend of approx. 2.2 cents per share which gives m...
by John Z
Sat Nov 12, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 20 year personal performance?
Replies: 6
Views: 1157

Re: Vanguard 20 year personal performance?

I believe you can go to Morningstar and enter a custom date range:

http://www.morningstar.com/funds/xnas/vfiax/quote.html

Index 500 and I can insert any start date on performance chart.
by John Z
Thu Nov 10, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: CVS Caremark sends unauthorized prescriptions
Replies: 47
Views: 5493

Re: CVS Caremark sends unauthorized prescriptions

Bottom line about CVS/Caremark: They are way too aggressive at filling prescriptions and starting in 2016 I was able to use Walgreens. I will never sign up for a part D plan that uses CVS/Caremark if I have a choice. Here's what happened to me several times (years). I get several 90 day supply presc...
by John Z
Tue Oct 04, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC lenders for borrower with atypical income
Replies: 9
Views: 1228

Re: HELOC lenders for borrower with atypical income

My wife and I ran into a similar problem as retirees when we wanted to buy a detached new construction condo in a nearly completed project last year before we sold our existing condo, sort of a bridge loan. We have plenty of assets, enough to pay cash 3 times the cost of the condo with 800+ credit b...
by John Z
Thu Sep 22, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable Trust and IRAs
Replies: 7
Views: 975

Re: Revocable Trust and IRAs

Agreed. I think the IRA(s) must be withdrawn over 5 years as opposed to stretching based on beneficiary age. So no reason to put trust as beneficiary. No, if the trust is qualified for look through treatment, the IRA RMDs to the trust would be based on the age of the oldest trust beneficiary includ...
by John Z
Wed Sep 21, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable Trust and IRAs
Replies: 7
Views: 975

Re: Revocable Trust and IRAs

Agreed. I think the IRA(s) must be withdrawn over 5 years as opposed to stretching based on beneficiary age. So no reason to put trust as beneficiary.
by John Z
Fri Sep 16, 2016 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio
Replies: 3
Views: 702

Re: Retirement Portfolio

And for more ideas on lazy portfolios (150 of them) see:

http://whitecoatinvestor.com/150-portfo ... han-yours/

Not meaning to confuse but to show there are many ways to construct a beneficial portfolio depending on what you want as an asset allocation.
by John Z
Mon Sep 12, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 5900

Re: 2016 Murano or 2016 Acura MDX

Snowbird and 2015 Murano SL owner here. Bought in FL so no AWD since most driving is in FL even though we live in NH. We go to FL twice during the year, in Jan-May and Oct-midNov returning home for the holidays with side trips while in FL. Of all the vehicles we've ever owned, the zero gravity seats...
by John Z
Wed Aug 24, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Seeking advice on what to do about recent property survey/neighbor's driveway
Replies: 34
Views: 4064

Re: Seeking advice on what to do about recent property survey/neighbor's driveway

One suggestion: It doesn't cost that much more to have several properties surveyed since the initial benchmark is found and all plots are based on that. Years ago our new development builder told all of us that the utility poles coincided with our property lines but he neglected to tell us we didn't...
by John Z
Mon Aug 22, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: retirement websites/books?
Replies: 13
Views: 2055

Re: retirement websites/books?

A new comprehensive book was published earlier this year that should answer most of your questions: Living Off Your Money by Michael H. McClung. If you search on it you'll find plenty of information including the free first 3 chapters. https://www.amazon.com/Living-Off-Your-Money-Retirement/dp/09974...
by John Z
Wed Aug 17, 2016 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Utility Holding Strategy - Feedback Please - VUIAX
Replies: 15
Views: 1172

Re: Utility Holding Strategy - Feedback Please - VUIAX

I have looked at VUIAX several times over the years but backed off for a couple of my own reasons whether valid or not: The minimum is 100K, a bit rich for me, but dividends were tempting but to me the future doesn't look favorable: More and more clean air regulations; higher demands requiring more ...
by John Z
Sat Aug 06, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Portfolio As We Age
Replies: 1
Views: 478

Re: Simplifying Portfolio As We Age

You can go to the distributions page: https://personal.vanguard.com/us/funds/snapshot?FundId=0527&FundIntExt=INT#tab=4 or you can go to the historical returns page and see the performance broken down into capital return and income return: https://personal.vanguard.com/us/funds/snapshot?FundId=0527&F...
by John Z
Sat Aug 06, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Connections that save you money
Replies: 51
Views: 7739

Re: Connections that save you money

NISSAN Shoppers in the Southeast: Not a connection and have no affiliation or relatives with this dealer but check out Jenkins Nissan in Lakeland, FL. April 2015 shopping for a 2015 Murano to replace 3 year leased Altima. Contacted (first email then phone) about 15 dealers within a 2 hour drive of D...
by John Z
Tue Aug 02, 2016 12:42 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2016)
Replies: 13
Views: 2805

Re: madsinger monthly report (July 2016)

Thank you kindly again! Every couple of months is fine; even every quarter. Modified coffeehouse 50/50.
by John Z
Sat Jul 30, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawing from Roth for short term "loan"
Replies: 10
Views: 1024

Re: Withdrawing from Roth for short term "loan"

I am doing the same thing but also using part of my TIRA. But remember, once you do this and pay it back you cannot make another "loan" for a 1 year period (sorry, don't know exactly how many days this is) from your TIRA. So we are doing this and not touching the wife's IRA in case the need arises ...
by John Z
Thu Jul 14, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawing from Roth for short term "loan"
Replies: 10
Views: 1024

Re: Withdrawing from Roth for short term "loan"

I am doing the same thing but also using part of my TIRA. But remember, once you do this and pay it back you cannot make another "loan" for a 1 year period (sorry, don't know exactly how many days this is) from your TIRA. So we are doing this and not touching the wife's IRA in case the need arises w...
by John Z
Fri Jun 17, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Southwest Airlines - Rebooking
Replies: 11
Views: 1212

Re: Southwest Airlines - Rebooking

Yes, have done it a couple of times.
Can't remember the exact steps but you go into your reservation and somewhere there's a path for rebooking. Very easy. If not sure call them and they will be happy to tell you how or even do it for you. Act now while the cheaper fare is still there.
by John Z
Sun Jun 12, 2016 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Question concerning safe withdraw rate
Replies: 23
Views: 2912

Re: question concerning safe withdraw rate

You could be a good candidate for this new book: "Living Off Your Money" discussed here. The first 3 chapters are downloadable for free and contain topics about various withdrawal strategies during retirement. If you want to get deeper, you can purchase the book. It is the best collection of thought...
by John Z
Tue Jun 07, 2016 3:21 pm
Forum: Investing - Theory, News & General
Topic: A couple of Coffeehouse Portfolio Questions
Replies: 29
Views: 5819

Re: A couple of Coffeehouse Portfolio Questions

saxmaam: I see that Bill just replied above and thought he would comment on your question about why not mid caps. I think his philosophy is that his suggested portfolio may not be for everyone and that you can tailor it to what is a best fit for you. But have your fingers in a cross section of the m...
by John Z
Sat Jun 04, 2016 7:33 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 437
Views: 91761

Re: New Book: Living off Your Money (Michael McClung)

Yes, Chapter 3 made me aware of numerous strategies for withdrawal during retirement, a topic I've been searching for since I retired 4 years ago. Sure, there is plenty of press on constant percentage, constant 4% (or whatever amount you choose) withdrawal, floor and ceiling, etc. But the author pre...
by John Z
Wed Jun 01, 2016 9:02 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (May 2016)
Replies: 14
Views: 2256

Re: madsinger monthly report (May 2016)

Thank you once again!