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Re: Q&A with the Experts at 2014 Bogleheads Conference

It's endlessly argued, but I think there is a great deal of support in the Bogleheads forum for some degree of "tilt"--expanding on Total Stock, for example by adding extra allocations to small value and REITs. Yet Vanguard's all-in-one funds--Target Retirement and LifeStrategy--do not do...
by Austintatious
Mon Jul 21, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Q&A with the Experts at 2014 Bogleheads Conference
Replies: 24
Views: 7399

Re: Best CC for (new) purchases

The Capital One Quicksilver card pays 1.5 % on everything. No annual fee. It's a very well managed program.
by Austintatious
Mon Jul 21, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Best CC for (new) purchases
Replies: 43
Views: 3044

Re: Which kind of bike for recent retiree?

I suspect that the Sedona, by Giant, would meet your requirements quite well. It's built for on and off road, though just about all of my riding has been on pavement, with lots of organized rides up to 40 miles and daily rides of 10-12 miles or so. It's a very stable, comfortable, easy to ride, well...
by Austintatious
Mon Jul 21, 2014 7:20 am
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2410

Re: Ditch car and commute to work in 250cc scooter in Raleig

The thought is admirable, but you need to move on to something else. If it was just you versus the natural elements, it would be much more plausible. The problem is those other folks on the road. Even genuinely conscientious drivers can simply overlook a bicycle, motorcycle or scooter, even though t...
by Austintatious
Sat Jul 12, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 68
Views: 4170

Re: NASA FCU 49 month CD special

Kersten, I hope it works out for you. I've not done business with them before and just happened to stumble upon this "special" they're offering. I note that what they told you about one's account having to be at least 30 days old before one can open one of these certificates online seems t...
by Austintatious
Sat Jul 12, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: NASA FCU 49 month CD special
Replies: 17
Views: 2739

Re: Car insurance... do you include car rental?

I've done it both ways. If you cannot do without wheels, pay for the rental coverage. The cost of the coverage is typically quite small and is well worth it, as you've already learned.
by Austintatious
Fri Jul 11, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car insurance... do you include car rental?
Replies: 33
Views: 2106

Re: NASA FCU 49 month CD special

tidelandp, if you don't mind disclosing, how did you establish membership and what was involved? Thanks. Through membership in American Consumer Council, which was then an approved association. Your question prompted me to revisit the online application. American Consumer Council seems no longer to...
by Austintatious
Fri Jul 11, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: NASA FCU 49 month CD special
Replies: 17
Views: 2739

Re: NASA FCU 49 month CD special

Anyone have customer experience with NASA FCU? NASA has a very easy process for establishing membership and purchasing CDs. Took me no more than a day to do the two online recently. The process is not bogged down with alot of manual intervention, which I read as an indication of the credit union's ...
by Austintatious
Fri Jul 11, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: NASA FCU 49 month CD special
Replies: 17
Views: 2739

Re: San Juan Islands

I prefer Lopez... much quieter than San Juan or even Orcas but has all services, decent restaurants, and some lovely beaches and hikes. Orcas would be my #2 choice... #1 if you want the hippie vibe (go to Doe Bay and soak in the hot springs). Biking is easier on Lopez though (much flatter). We've b...
by Austintatious
Thu Jul 10, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: San Juan Islands
Replies: 18
Views: 2202

Re: Asset Allocation At or Near Retirement?

I like some of the newer thinking. Slowly reduce stock exposure until you are almost all cash/bonds by the time you retire, since the biggest risk in the run-up to retirement is a devastating drop in the stock market right around the time you begin your retirement years. Then, steadily increase you...
by Austintatious
Thu Jul 10, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation At or Near Retirement?
Replies: 51
Views: 4324

Re: "high rate" CDs

How is it that a few parties are offering, for example 2.25-2.3% for 5 year CDs, when most of the rest of US banks are at less than half that? What's the catch? It just seems there must be some indirect risk hidden in there somewhere? Also, many of these places (mostly banks apparently) offering th...
by Austintatious
Tue Jul 08, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: "high rate" CDs
Replies: 24
Views: 2813

Re: Car did not start: To dispose? How?

Over the years, we've done two donations to charitable organizations, once we'd decided that we just weren't willing to put anything more into the cars and that we would not want to foist them an anyone else. One was to the National Kidney Foundation. The other was to our local public TV station, wh...
by Austintatious
Tue Jul 08, 2014 8:46 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5449

Re: How to admit/should I admit alcohol problem to employer

It seems to me that the treatment you propose is a necessity and, having made that decision, you should not delay. The only thing to consider, IMHO, is how to go about it. I believe the suggested visit with an attorney either specializing in or well versed in employment law is excellent advice, and ...
by Austintatious
Wed Jul 02, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10148

Re: NASA FCU 49 month CD special

Leesbro63 wrote:Last time I did the algebra, 49 months was more than double what would be the time commitment for a "two year CD". :shock:



oops. will get it changed. thanks
by Austintatious
Wed Jul 02, 2014 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: NASA FCU 49 month CD special
Replies: 17
Views: 2739

NASA FCU 49 month CD special

It appears that NASA Federal Credit Union is offering "special certificate" rates - 2.23% dividend rate/2.25% APY - for 49 month CD's. My understanding is that the deposits must be made with outside money between July 1 and July 31, with a minimum deposit of $5K. I've not seen better rates...
by Austintatious
Wed Jul 02, 2014 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: NASA FCU 49 month CD special
Replies: 17
Views: 2739

Re: Who do you talk with about your financial goals?

That's the beauty of the forum. You can tell thousands of people, but actually tell no one at the same time :wink: I talk theory ( low cost, index, etc) with some friends that are interested in finance, however they didnt take to Bogleheadism, so I don't push the idea on them. I sometimes wish I ha...
by Austintatious
Tue Jul 01, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 8997

Re: Who do you talk with about your financial goals?

I always find these discussions fascinating because one of the great laments of the BH crowd is the lack of financial literacy among Americans. But when asked whom they share their knowledge of financial matters, the most frequent answer appears to be only a spouse or no one at all. I get not wanti...
by Austintatious
Tue Jul 01, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 8997

Re: Who do you talk with about your financial goals?

I have educated my husband over the last several years. He is basically clueless. Other than that, no one, although I tell young people to get Roth IRAs and index funds. I hope you're having more success with those young people than am I. DW and I still have meaningful discussions and planning sess...
by Austintatious
Tue Jul 01, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 8997

Re: Breastfeeding and baby formula

On 4), has your wife been to a lactation consultant? They would have better advice on supply increasing. (Is this medical advice? Is so, mods feel free to remove). shorvath, what you've offered is not medical advice; it's merely a suggestion about where OP and DW might get good advice re her situat...
by Austintatious
Mon Jun 30, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1226

Re: Kindle - Which one to buy?

Do you need to purchase the power adapter? I won't have access to a computer for a good portion of my trip, so charging it can only take place at an electrical outlet. The reviews say amazon is ripping of the consumer, what say you? Amazon requires you to pay an extra $15 or so, if you want the lux...
by Austintatious
Sun Jun 29, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2008

Re: Bernstein: Don’t Bother With Intnational Bonds

I've long been an advocate of a permanent allocation to foreign bonds and I've held 20 percent of our portfolio's bonds in foreign bonds for over a decade. However in my opinion if there's a sound argument against foreign bonds right now, this market timing argument is it. After reading months of p...
by Austintatious
Sun Jun 29, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8942

Re: Kindle - Which one to buy?

Another vote for the wifi Paperwhite. I've had it for about 8 months and have really enjoyed it. It has performed as advertised. My positive experience has been similar to the earlier posts and the cost isn't bad either. How satisfied are you with its capacity to surf the web? what about the speed?...
by Austintatious
Sun Jun 29, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2008

Re: Kindle - Which one to buy?

This article on the Financial Times website discussing the different aspects of and between the paper page and e-reading proved to be very interesting, with much to think about. It has commentary that could be helpful in deciding what kind of device you might purchase. http://www.ft.com/intl/cms/s/2...
by Austintatious
Sun Jun 29, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2008

Re: Bernstein: Don’t Bother With Intnational Bonds

But wouldn't you say the same in comparing those 3% PenFed CD's to domestic bonds, as well? I'm beginning to think that it's not just those foreign bonds that you're not so keen on these days, but in the current market, bonds in general. Am I wrong? Yes, I'd prefer the CD. Or maybe TIPS. But both a...
by Austintatious
Sun Jun 29, 2014 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8942

Re: Bernstein: Don’t Bother With Intnational Bonds

Looking at the current "Yield to Maturity" (1.5%) relative to the "average duration" (6.3 years) for Vanguard Total International Bond Index Fund , I can't imagine why an investor would want to buy that given they can get higher yield, and higher credit quality, with similar dur...
by Austintatious
Sat Jun 28, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8942

Re: Bernstein: Don’t Bother With Intnational Bonds

A couple of questions regarding Bernstein's comments that perhaps someone will help me with: 1) He suggests that foreign bonds, plus currency hedging, basically equals U. S. bonds. Why would the hedging turn foreign bonds into domestic bonds? I can see that it makes them similar to domestic bonds i...
by Austintatious
Sat Jun 28, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8942

Re: Bernstein: Don’t Bother With Intnational Bonds

steve_14, you say that low risk investments don't require diversification. I'm wondering what you mean by "low risk". Even those having investments in CD's sufficient that they must worry about FDIC limits certainly ought to diversify, at least in the sense that they want to spread their ...
by Austintatious
Sat Jun 28, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8942

Re: Bernstein: Don’t Bother With Intnational Bonds

In 2001 Argentina defaulted on their bonds, they are still arguing about it in court - here it is 13 years later. As much debt has the US issues, it has never defaulted on its debt, though the past is not indicative of future performance, having a 200 year plus track record helps...... :) yet, the ...
by Austintatious
Sat Jun 28, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8942

Re: Bernstein: Don’t Bother With Intnational Bonds

steve_14, you say that low risk investments don't require diversification. I'm wondering what you mean by "low risk". Even those having investments in CD's sufficient that they must worry about FDIC limits certainly ought to diversify, at least in the sense that they want to spread their ...
by Austintatious
Sat Jun 28, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8942

Re: Bernstein: Don’t Bother With Intnational Bonds

steve_14, you say that low risk investments don't require diversification. I'm wondering what you mean by "low risk". Even those having investments in CD's sufficient that they must worry about FDIC limits certainly ought to diversify, at least in the sense that they want to spread their f...
by Austintatious
Sat Jun 28, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8942

Re: Bernstein: Don’t Bother With Intnational Bonds

A couple of questions regarding Bernstein's comments that perhaps someone will help me with: 1) He suggests that foreign bonds, plus currency hedging, basically equals U. S. bonds. Why would the hedging turn foreign bonds into domestic bonds? I can see that it makes them similar to domestic bonds in...
by Austintatious
Sat Jun 28, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 8942

Re: What is simple enough to understand, and therefore inves

I suggest that the concept of owning the market by investing in so called "total market" index funds at the lowest possible costs is a relatively easy concept to understand. Although I think it quite important to at least try to understand the underlying basics, my suggestion for you would...
by Austintatious
Sat Jun 28, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: What is simple enough to understand, and therefore invest in
Replies: 27
Views: 1877

Re: Any experience with Vanguard Life Strategy?

Golden317, you'll find that many here (including me) really like the Life Strategy funds (yes, they do offer excellent diversification) but, as you're already seeing, some (including me) are wondering why you've chosen the Conservative fund as a long-term investment product for a 31 year old investo...
by Austintatious
Sat Jun 28, 2014 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Any experience with Vanguard Life Strategy?
Replies: 25
Views: 2370

Re: Best Road Trip Vehicle

If you've never tried a mini-van, give one a try. Rent one before you buy and drive it on your first trip. You may be surprised at how comfortable it is, how much room you'll have, and how flexible they are to different passenger configurations. I've always been a bit turned off by mini-vans but we ...
by Austintatious
Fri Jun 27, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2708

Re: Article: bonds pensions SS

FinancialDave, it was the same for me in my 30's and 40's. I certainly wasn't thinking about considering SS and my pension as a fixed income substitute that would enable us to crank up the stock allocation some more. Hey, I was so focused on my job during those years that I barely remember thinking ...
by Austintatious
Fri Jun 27, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Article: bonds pensions SS
Replies: 49
Views: 3142

Re: Article: bonds pensions SS

you guys going to count on Social Insecurity ? I'm pretty sure SS isnt legally guaranteed. As such it probably isn't a true asset. However, if you are close to retirement then its more & more likely to be there as an income stream. I am 30 years out so I am saving & investing as if it wont ...
by Austintatious
Fri Jun 27, 2014 7:20 am
 
Forum: Investing - Theory, News & General
Topic: Article: bonds pensions SS
Replies: 49
Views: 3142

Re: Q&A with the Experts at 2014 Bogleheads Conference

Mel, please consider the following as possible questions for the panel: 1. Wade Pfau and Michael Kitces have collaborated in a study suggesting a different approach from that which has been typically recommended for investing while in retirement, specifically, that having a notably smaller percentag...
by Austintatious
Mon Jun 23, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with the Experts at 2014 Bogleheads Conference
Replies: 24
Views: 7399

Re: Wind blew off shingles, now roof is leaking!

I'd say you're out of luck. The insurance company held up their end of the deal by cutting you a check. You didn't get the work done. Kosmo - What's the time limit ? If there is a time limit it was not disclosed to me. I'm not denying my difficulty finding a trusted contractor contributed to the pr...
by Austintatious
Sun Jun 22, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1408

Re: RMDs and Roth Conversions

My guess is that the $5k (which is based on the entire tIRA) is not to be considered part of the conversion, so it goes to the IRS. And 25% of that $15k you're converting also goes to the IRS. But, what do I know? Haven't done it yet. That can't be right. You don't owe your entire RMD as income tax...
by Austintatious
Sun Jun 22, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: RMDs and Roth Conversions
Replies: 14
Views: 582

Re: RMDs and Roth Conversions

My guess is that the $5k (which is based on the entire tIRA) is not to be considered part of the conversion, so it goes to the IRS. And 25% of that $15k you're converting also goes to the IRS. But, what do I know? Haven't done it yet.
by Austintatious
Sun Jun 22, 2014 8:19 am
 
Forum: Investing - Help with Personal Investments
Topic: RMDs and Roth Conversions
Replies: 14
Views: 582

Re: [Poll] Have you taken any Investments course?

seeshells wrote:In the spirit of this thread "Coursera" online has many great courses of many interests. I've no affiliation or interest with this other than an educational suggestion.


Sadly, they've yet to offer a course on investing or on personal finance, but I keep looking.
by Austintatious
Fri Jun 20, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 2762

Re: Both funds have same Risk Level, which is safer?

Bustoff, since you're obviously concerned re the safety of this money, why are you not considering CD's, say 1 or 2 years? The yield would very likely be greater with the CD's that with the tax exempt bond fund, and would be fairly competitive with the other fund while enjoying greater safety.
by Austintatious
Fri Jun 20, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Both funds have same Risk Level, which is safer?
Replies: 18
Views: 1172

Re: 2010 IRS limits on 401K and Roth IRA purchases

I'm not sure I understand the OP. The IRS has limits on 401K and Roth IRA contributions - they are the following for 2010: http://www.irs.gov/ Roth limit for an individual = $5,000 Roth limit for a spouse = $5,000 Total limit = $10,000 If older than 50 years old, there is a $1,000 catchup, so Roth ...
by Austintatious
Fri Jun 20, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Chuck Norris's Own (Index) Portfolio Revealed [Humor]
Replies: 111
Views: 17242

Re: [Poll] Have you taken any Investments course?

I took Morningstar's Investing Classroom online courses approximately 10 years ago. I found it helpful and fun. http://www.morningstar.com/cover/Classroom.html I agree that the Morningstar "course" is both helpful and entertaining. One looking for a good place to start could do a lot wors...
by Austintatious
Fri Jun 20, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 2762

Re: Boglehead Newbie pulled the trigger....

Wow, fmzip! You've "downsized" your portfolio's complexity by a factor of 10. You should feel relieved. The portfolio looks good to me, and I happen to agree with your decision to invest it all at once, rather than stretching it out over time. Congrats and good luck!
by Austintatious
Fri Jun 20, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Newbie pulled the trigger....
Replies: 9
Views: 925

Re: Maintaining liquidity with better growth

Despite the prediction of some, including resident savings bond expert Mel Lindauer, that I bonds are on the government securities endangered species list, I really like them. They're a very safe, inflation adjusted investment that is quite competitive with CD's and, once they're past that first ye...
by Austintatious
Thu Jun 19, 2014 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maintaining liquidity with better growth
Replies: 21
Views: 919

Re: Personal Life subforum?

Uh oh. It seems that we have at least two different interpretations of the word "regular". sscritic, with more than 20,000 posts under his belt, presumably claims the status of regularity. But, apparently, so does kayanco with just over 100 posts. Are we talking about longevity or number ...
by Austintatious
Thu Jun 19, 2014 11:02 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4577

Re: Personal Life subforum?

... supporting our community of regular posters and readers would definitely be part of that mission ... That would be a great guiding principle! And the regular posters and readers don't want this new sub forum, so Alex should support them and deep-six this idea. Uh oh. It seems that we have at le...
by Austintatious
Thu Jun 19, 2014 10:34 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4577

Re: Maintaining liquidity with better growth

Here's a link to the Bogleheads Wiki section on I bonds:

http://www.bogleheads.org/wiki/I_savings_bonds

Also, you might explore the Treasury Direct website for more details. It's where you would go if you decide to buy I bonds.
by Austintatious
Wed Jun 18, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maintaining liquidity with better growth
Replies: 21
Views: 919

Re: Maintaining liquidity with better growth

Despite the prediction of some, including resident savings bond expert Mel Lindauer, that I bonds are on the government securities endangered species list, I really like them. They're a very safe, inflation adjusted investment that is quite competitive with CD's and, once they're past that first yea...
by Austintatious
Wed Jun 18, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Maintaining liquidity with better growth
Replies: 21
Views: 919
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