Search found 265 matches

by John Z
Sun Feb 28, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: I am presenting on Vanguard vs. AXA, can you help?
Replies: 54
Views: 4559

Re: I am presenting on Vanguard vs. AXA, can you help?

Digging down to mutual funds on the AXA site, here is the "family of funds" they offer. First, I believe these are all load funds, and secondly, why would anyone need to access/choose from this large list? Keeping it simple, one fund family should be sufficient. Always ask about the COSTS/EXPENSES o...
by John Z
Thu Jan 28, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I invest?
Replies: 25
Views: 1964

Re: i have most of my investments in the S&P 500

A bullet item from the investment news.com website: The global economy becomes more significant by the day as S&P 500 Index companies generate less and less (just 52% in 2014, down from 53.7% in 2013) of their income in the U.S. Investors might be more exposed to global markets than they think. For ...
by John Z
Wed Jan 20, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Buy a house with pool & What to look for?
Replies: 20
Views: 2340

Re: Buy a house with pool & What to look for?

What type of pool is it: gunite/cement type or liner type? I can only speak about a pool with liner. Bought an older house with a 20x40 pool, perfect for our 3 growing children, wife and me. Used it for nearly 15 years and had to replace pump and filter along the way. Near the end of this period we ...
by John Z
Sun Jan 17, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Use Local Dealer for New Vehicle Purchase?
Replies: 21
Views: 2159

Re: Use Local Dealer for New Vehicle Purchase?

In my 40 years of new car buying, and averaging about 6 years per vehicle (2 vehicle family), I've only once purchased from a local dealer mainly because their prices are usually the highest. Always searched for the best price, at least 3 dealers minimum in early years to 7 or 8 using internet recen...
by John Z
Sat Jan 16, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: How long can I let my car "sit" on vacation?
Replies: 47
Views: 34076

Re: How long can I let my car "sit" on vacation?

We go to FL for the entire winter from NH and my wife's car is in the garage the entire time. My son will start it and drive it at the end of February and then it sits until we get back near Memorial Day. So one start and drive in about 5 months. Has started the last 3 years.
by John Z
Thu Jan 14, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Help redeeming frequent flyer points for good value?
Replies: 19
Views: 1726

Re: Help redeeming frequent flyer points for good value?

You may want to visit points.com
by John Z
Mon Jan 11, 2016 3:30 pm
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 10803

Re: How common is this

Been retired for 3.5 years (6-2012), withdrawing 4% yearly with a modified coffeehouse portfolio of 50/50 and have 12% more now than on 6-2012.
by John Z
Mon Jan 04, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3528

Re: Replacement air conditioner

Excellent! Hope you enjoy it and the lower bills.
by John Z
Sun Jan 03, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3528

Re: Replacement air conditioner

I'm in the same situation as the OP. The unit is very old, don't know old how because the s/m and model info has faded in the sun, but the home inspector advised us to keep the home warranty going as the unit was on it's last legs. Is it better to bite the bullet and pay for the system I want, on m...
by John Z
Sat Jan 02, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: Replacement air conditioner
Replies: 46
Views: 3528

Re: Replacement air conditioner

This is an excellent time of year to be pricing and replacing AC units: contractors aren't responding to units failing in hot weather; check for manufacturer rebates also during this time of year; Florida Power and Light used to offer rebates on replacing old units with new. Not sure if any tax cred...
by John Z
Wed Dec 30, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: Who Reads the Comics?
Replies: 44
Views: 3008

Re: Who Reads the Comics?

Dilbert
Beetle Bailey
Born Loser
Blondie/Dagwood
Garfield
Donald Duck
by John Z
Mon Dec 28, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Article on retirement withdrawal strategy
Replies: 81
Views: 9059

Re: Article on retirement withdrawal strategy

Article on retirement withdrawal strategy Unread postby Happy2BeFree » Mon Dec 28, 2015 1:47 pm Happy Holidays, everyone! Would love to hear thoughts and feedback about this article: http://www.caniretireyet.com/new-resear ... trategies/ Wow, this strategy research and info sounds wonderful! I will...
by John Z
Fri Dec 25, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Performance?
Replies: 45
Views: 5640

Re: Vanguard Personal Performance?

1 YR: .1%
3 YR: 8.0%
5 YR: 8.0%
10 YR: 6.5%

Was 60/40 until 3 years ago, retired and changed to 50/50 and withdrawing 4% per year for 3 years.
by John Z
Fri Dec 04, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 2780

Re: Ford Edge or Nissan Murano or Something Else

How long will it take this thread to recommend at least once virtually every vehicle that is available in the market? Right on! I figured we'd see many more responses than we have now but being the 2nd or 3rd response I figured I'd get my 2 cents in early. Vehicle choice is very subjective and we a...
by John Z
Thu Dec 03, 2015 9:57 am
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 2780

Re: Ford Edge or Nissan Murano or Something Else

We bought a '15 Murano SL in April, our first SUV. We drive to/from NH-FL 2-4 times a year and this vehicle is the most comforable we've ever sat in. The seats are called Zero gravity and for us 65+ year olds, we aren't as stiff after riding 3-4 hours without stopping as in previous vehicles. It han...
by John Z
Wed Dec 02, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: What to do with Pension when Leaving Job
Replies: 6
Views: 1019

Re: What to do with Pension when Leaving Job

Taxes are due if you rollover into Roth. No taxes due if rollover into traditional IRA. My wife put her pension in Wellesly.
by John Z
Sun Nov 29, 2015 8:27 pm
Forum: Personal Consumer Issues
Topic: I received 'Money' magazine for free. Anyone read it?
Replies: 40
Views: 5894

Re: I received 'Money' magazine for free. Anyone read it?

i subscribed early in my career and learned basic investing "rules" (no load funds, low fees, don't do whole life, etc.). My favorite columnist was Walter Updegrave and when he left, I quit subscribing. He had great down to earth articles that were aimed at keeping your investing expenses low, maxim...
by John Z
Sun Nov 29, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: Fixed Asset Allocation for the rest of your life
Replies: 60
Views: 7849

Re: Fixed Asset Allocation for the rest of your life

For those nearing retirement or are already in it, I was wondering if you are planning to/are staying at one AA for the rest of your life? If you are, why and what AA would that be? I'm 66 and have been at 50/50 since retiring 5 years ago. Age 70, retired 4 years, asset allocation has been 50/50 si...
by John Z
Thu Nov 05, 2015 9:10 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1752
Views: 311606

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

Up 1.48% YTD as of yesterday. 50/50 modified coffeehouse.
by John Z
Wed Nov 04, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: Risky Side of Index Funds
Replies: 38
Views: 5461

Re: Risky Side of Index Funds

As to why VG Index 500 has more than 500 stock holdings, here are a couple of reasons from VG. And this is probably true of any index. Companies are being added and deleted in indexes so you don't want to buy or sell at high points or low points just to be in line with an index. "The portfolio manag...
by John Z
Wed Nov 04, 2015 10:17 am
Forum: Investing - Theory, News & General
Topic: Good Withdraw Similator for Retirement?
Replies: 12
Views: 2228

Re: Good Withdraw Similator for Retirement?

Here is a link to an archived set of summarized information assembled by an ex boglehead member who no longer posts but his collection of information was extremely useful to me about 4-5 years ago in preparation for retirement in 2012. Most of the text is intact but the graphs no longer work: http:/...
by John Z
Fri Oct 30, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 16794

Re: Guilty pleasures?

Doom&Gloom wrote:
John Z wrote:Video Poker. Even for the year but rec'd free rooms, meals, gifts, show tickets. Only play the best paytables.
And using only optimal strategy as well, I presume? :D

Yes, of course. Practice, practice, practice, on WinPoker vp software by Bob Dancer.
by John Z
Thu Oct 29, 2015 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Why Swensen's lazy portfolio over others?
Replies: 25
Views: 4572

Re: Why Swensen's lazy portfolio over others?

Again, welcome to the forum! This may be more information than you are looking for but it's good to be aware of a larger universe of lazy portfolios: http://whitecoatinvestor.com/150-portfolios-better-than-yours/ And to quote the author: "The truth is that no one knows which portfolio is going to ou...
by John Z
Fri Oct 23, 2015 4:10 pm
Forum: Personal Consumer Issues
Topic: White Noise/Sleep/Sound Therapy
Replies: 62
Views: 6757

Re: White Noise/Sleep/Sound Therapy

Both DW and I must have white noise. We found this one to be perfect and cheap:

http://www.walmart.com/ip/HoMedics-Soun ... ne/2686012

Portable also.
by John Z
Fri Oct 23, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 16794

Re: Guilty pleasures?

Video Poker. Even for the year but rec'd free rooms, meals, gifts, show tickets. Only play the best paytables.
by John Z
Wed Oct 21, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: Disappearing account on Vanguard
Replies: 19
Views: 2850

Re: Disappearing account on Vanguard

It is possible that one of your customizable settings got corrupted and was set to not show something.
by John Z
Sat Oct 17, 2015 8:47 am
Forum: Investing - Theory, News & General
Topic: Use Target Date fund as part of lazy portfolio?
Replies: 18
Views: 2357

Re: Use Target Date fund as part of lazy portfolio?

Several of us here have suggested checking this link for an excellent summary of lazy portfolios: http://whitecoatinvestor.com/150-portfolios-better-than-yours/ And to take a "mini-quote" from the article: "The truth is that no one knows which portfolio is going to outperform in the future. You can ...
by John Z
Mon Oct 12, 2015 8:18 am
Forum: Personal Consumer Issues
Topic: Anything bad to say about the Lexus RX-350?
Replies: 21
Views: 3304

Re: Anything bad to say about the Lexus RX-350?

Wife and I shopped several months for our first SUV (retired empty nesters with a winter place in FL). Many test drives, conversations with dealers, price checking, we determined that Lexus RX-350 and newly styled Nissan Murano were the short list. Both are excellent vehicles but we weren't willing ...
by John Z
Sat Oct 10, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Any Vanguard funds with nice dividends
Replies: 11
Views: 2517

Re: Any Vanguard funds with nice dividends

Go to:

https://investor.vanguard.com/mutual-fu ... funds-list

Scroll down to Stock Funds, Large Cap and you'll see several funds that have the word Dividend in them.
by John Z
Thu Sep 24, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: A fool and his money are soon separated. Unfortunately I'm the fool. [Car lease]
Replies: 15
Views: 2817

Re: A fool and his money are soon separated. Unfortunately I'm the fool.

I leased for the first time 3.5 years ago for 3 years. Had just retired and wanted a fixed/low car payment until we figured out how retirement was going to go financially so I've run figures many times for several years. Don't look at this deal as a negative but a lesson learned. #4: I don't think y...
by John Z
Thu Sep 24, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Home is no longer occupied. Should we tell homeowners insurance company?
Replies: 32
Views: 3483

Re: Home is no longer occupied. Should we tell homeowners insurance company?

Like this discussion, but, where does this leave us snowbirds? We leave NH condo for 5 winter months for FL home.
by John Z
Sat Aug 01, 2015 6:12 pm
Forum: Investing - Theory, News & General
Topic: Holding forecasters accountable
Replies: 10
Views: 1322

Re: Holding forecasters accountable

Remember, "Nobody knows nothing"
by John Z
Sat Aug 01, 2015 1:39 pm
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 4101

Re: Crab Grass

One spring after moving in I completely tilled, added peat moss and loam, lime, starter fertilizer and worked everything into the front yard soil (about 15,000sq ft). Rolled lightly to get grade perfect. Seeded with Scott's drop spreader with a criss-cross pattern. We had a heat wave (in NH) so I bo...
by John Z
Thu Jun 25, 2015 3:34 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 39269

Re: What ratio are you stocks/bonds and how old are you?

Age 31; 90/10. That is the highest I could go using Vanguard's Target Retirement Funds. I don't have enough money to do anything but those. If they had one that was 95% stock, I'd do that. Why not Total Stock Index and Total International Stock Index plus Target Retirement 2060 with percentages tha...
by John Z
Wed Jun 24, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 39269

Re: What ratio are you stocks/bonds and how old are you?

Age 68. Retired 3 years exactly. 50/50. Withdrawal method is bonds first; have enough for 10 years.
by John Z
Tue Jun 23, 2015 4:09 pm
Forum: Investing - Theory, News & General
Topic: Why tilt to bonds in retirement?
Replies: 29
Views: 4802

Re: Why tilt bonds in retirement?

In retirement 2 years and CANNOT AFFORD TO LOSE ANYTHING. Withdrawal method is bonds first, so, have enough in bonds to last 10 years at a 50/50 allocation. Sure, 100% equities will probably grow much more than 50/50 as long as you are contributing, but withdrawing during a long downturn can be deva...
by John Z
Mon May 25, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: Lease price?? [New car]
Replies: 6
Views: 533

Re: Lease price?? [New car]

OK, great! On the surface it sounded like a decent deal. I just turned in my 2012 Altima 3.5 after 39 months and 40K miles and had 8K miles left to go on the lease (we didn't drive as much as we thought and we bought the 15K/year option). We could have bought it for $16K, the residual price but figu...
by John Z
Mon May 25, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Lease price?? [New car]
Replies: 6
Views: 533

Re: Lease price??

And, now you have a base deal. Can you call other dealers to see if they can beat this deal?
by John Z
Mon May 25, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: Lease price?? [New car]
Replies: 6
Views: 533

Re: Lease price??

Hi Upstater,
Is it a Rogue Select or the newly designed Rogue?
John
by John Z
Wed May 06, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Claims Title of World’s Largest Bond Fund
Replies: 20
Views: 3077

Re: Vanguard Claims Title of World’s Largest Bond Fund

It's funny to me though that PTTRX has outperformed VBTLX the last 15 years, 10 years, 5 years, 3 years, 1 year, and YTD. Yes, PTTRX has outperformed VBTLX for all periods, but after I read the prospectus for PTTRX years ago I was sure I didn't want to invest my money in that fund. Way too much ris...
by John Z
Sun May 03, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 142
Views: 49734

Re: Truecar -- isn't this just a car buying scam?

I buy a new Nissan every 6-8 years and don't look at any of those car sites for pricing since it all boils down to locally what you and the dealer agree on, and I will not pay more than invoice price for any vehicle. Just took delivery on a 2015 Murano. Nissan's site allows you to get a list of all ...
by John Z
Tue Apr 21, 2015 5:58 pm
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 91
Views: 12537

Re: "How much of your portfolio is in index funds, and why?"

Retired for 3 years. ALL retirement funds are index: modified coffeehouse at 45/55. Withdraw from bond fund.
by John Z
Thu Apr 02, 2015 10:52 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2015)
Replies: 8
Views: 1951

Re: madsinger monthly report (March 2015)

Thanks again Brad.
BTW, I only check/look at my portfolio once a quarter so to save you some time you could do this quarterly.
Again, appreciate the effort.
John
by John Z
Wed Apr 01, 2015 12:10 pm
Forum: Investing - Theory, News & General
Topic: Sheldon Jacobs, Author in Rise of No-Load Funds, Dies at 84
Replies: 6
Views: 973

Sheldon Jacobs, Author in Rise of No-Load Funds, Dies at 84

Hi Everyone, http://www.bloomberg.com/news/articles/2015-03-25/sheldon-jacobs-author-in-the-rise-of-no-load-funds-dies-at-84 I can't believe that I missed this story since I scan financial headlines daily but obviously not Bloomberg. Sheldon was my first investing authority after I found out the dif...
by John Z
Sun Mar 29, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 13721

Re: Closing out my first 'snowbirding' winter

Wife and I retired July 2012. Our first goal was to escape NH winters so we rented a condo in New Smyrna Beach, FL right on the beach using VRB for January. We loved it so much we wanted to stay for Feb but condo not available but found another, better one. We were monitoring real estate and when a ...
by John Z
Wed Mar 25, 2015 9:38 am
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 12722

Re: New washing machine won't fit down basement steps.

Haier has a couple small washing machines but volume is quiet small compared to what you are used to. http://www.amazon.com/2-3-Cu-Ultra-Compact-Washer/dp/B00MHWWW9Q/ref=pd_sbs_la_9?ie=UTF8&refRID=0TQ0T0HHBYTQ2PV902P0 In Europe it won't be a big issue to find them but seems like those models are no...
by John Z
Mon Mar 23, 2015 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: best income producing Vanguard fund?
Replies: 6
Views: 1878

Re: best income producing Vanguard fund?

Without knowing your desired allocation, Total Bond Index Admiral provides approx 4% per year payable monthly. 100% bonds Target Retirement Income can provide approx 2% income and 2-3% growth per year for a total of approx 4-5% per year. 30%stock/70%bonds Life Strategy Income provides similar yield/...
by John Z
Thu Feb 12, 2015 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: The Best 60/40 Portfolio?
Replies: 20
Views: 3257

Re: The Best 60/40 Portfolio?

I am curios as to what you would consider to be the best all around 60/40 portfolio that covers all of the bases? From managing risk, to inflation, to owning the whole market, etc. After doing some research, I’ve come to the conclusion that the three-fund portfolio plus TIPS seems to work best. I u...
by John Z
Thu Jan 29, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 5983

Re: cvt transmissions

Has anybody noticed that they get less engine breaking with a CVT when they take their foot off the accelerator pedal? I was just about to add that my Nissan CVT nearly feels like a standard when foot is off the gas. It slows down nicely without having to use brakes until the very end of stopping m...