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Re: Barclays CD 60-month at 2.25% APY

You mention that this money won't be put to use "until late". If that means 20 years or more, and you're relatively confident that you won't have to access the money, what about maxing out on EE bonds, if only for part of the money you're speaking of? Per the wiki section on EE savings bo...
by Austintatious
Thu Apr 17, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1371

Re: Barclays CD 60-month at 2.25% APY

You mention that this money won't be put to use "until late". If that means 20 years or more, and you're relatively confident that you won't have to access the money, what about maxing out on EE bonds, if only for part of the money you're speaking of? Per the wiki section on EE savings bon...
by Austintatious
Thu Apr 17, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1371

Re: Almost out of time: Roth, Intrm Investment OR Intrm Bond

You mention that you have some "emergency" money in savings bonds. You might want to take a look at today's post on this thread re I bonds, and consider the possibility of buying bonds in May. If the calculation offered in that last post on May's new inflation-adjusted rate is correct, I ...
by Austintatious
Tue Apr 15, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Almost out of time: Roth, Intrm Investment OR Intrm Bond Idx
Replies: 13
Views: 504

Re: Almost out of time: Roth, Intrm Investment OR Intrm Bond

You mention that you have some "emergency" money in savings bonds. You might want to take a look at today's post on this thread re I bonds, and consider the possibility of buying bonds in May. If the calculation offered in that last post on May's new inflation-adjusted rate is correct, I b...
by Austintatious
Tue Apr 15, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Almost out of time: Roth, Intrm Investment OR Intrm Bond Idx
Replies: 13
Views: 504

Re: Portfolio for Young Investors: High Bonds and Risky Equi

Jim C. Otar has a book "Unveiling the Retirement Myth" where-in (if I recall correctly) he has mentioned that maybe young investors need to have a less risky asset allocation because they may panic due to lack of experience. Also, they may be saving for vehicles or home down payment. Of c...
by Austintatious
Sun Apr 13, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: Portfolio for Young Investors: High Bonds and Risky Equities
Replies: 30
Views: 2008

Re: "Why do investors make bad choices?"

[quote="Fallible"]Agree with Nisiprius, but also have a couple more questions that I think go deeper than Sunstein's explanations for his behavior: _Why didn't he apply what he wrote ( Nudge ) to himself? _Why did he also fail to heed the warnings of his co-author? _Why did Thaler know and...
by Austintatious
Thu Apr 10, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: "Why do investors make bad choices?"
Replies: 23
Views: 1580

Re: Bogle & [NY] Subway [Train]

LadyGeek wrote:^^^ I merged your post into the original thread and moved the combined new thread into the Local Chapters and Bogleheads Community forum (Jack Bogle).


thank you. shoulda looked first
by Austintatious
Wed Apr 09, 2014 4:56 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogle & [NY] Subway [Train]
Replies: 31
Views: 3247

Jack on the subway. Too cool!

I haven't seen this Vanguard article on the forum. Forgive me if it's old news but, for me, it really hits home, at least for one who has come to respect Jack Bogle and what his professional life has come to mean for so many. Check it out. http://vanguardblog.com/2014/03/13/what-two-subway-tokens-ta...
by Austintatious
Wed Apr 09, 2014 12:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogle & [NY] Subway [Train]
Replies: 31
Views: 3247

Re: SS Spouse Benefit with Early Filing

sscritic, if they were able, and chose, to hold off until the spouse reaches FRA, can the spouse then file and suspend, drawing spousal benefits to as late as age 70, and then start receiving own benefits? Either the high earner or the low earner can file and suspend at FRA, in which case the other...
by Austintatious
Mon Apr 07, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: SS Spouse Benefit with Early Filing
Replies: 7
Views: 301

Re: SS Spouse Benefit with Early Filing

sscritic, if they were able, and chose, to hold off until the spouse reaches FRA, can the spouse then file and suspend, drawing spousal benefits to as late as age 70, and then start receiving own benefits?
by Austintatious
Mon Apr 07, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: SS Spouse Benefit with Early Filing
Replies: 7
Views: 301

Re: Delaying Social Security - best long-term investment?

I've suspected for some time that you, sscritic, are one of the original settlers of Portlandia. As for Alex, I've guessed the truth - he doesn't really doesn't exist at all, that his fictional character is simply the wizard behind the curtain that is the Bogleheads forum. Close? Do you see two tim...
by Austintatious
Sun Apr 06, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3618

Re: Delaying Social Security - best long-term investment?

JWRetired and caroljm36, this is the post I was referring to which, for me, is still showing a time of 10:33 a.m. I'd assumed the posted times were based on some central location - the forum server, maybe? Times where you read are your local time if you have hit the Daylight Saving switch for those...
by Austintatious
Sun Apr 06, 2014 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3618

Re: Delaying Social Security - best long-term investment?

JWRetired and caroljm36, this is the post I was referring to which, for me, is still showing a time of 10:33 a.m. I'd assumed the posted times were based on some central location - the forum server, maybe? Anyway, I'm in north Texas, central time. As somebody who delayed to age 70 I can list my pers...
by Austintatious
Sun Apr 06, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3618

Re: Delaying Social Security - best long-term investment?

caroljm36, it confused me, too, but I concluded that it was just an error on Kitce's part and that he really intended for that "62" to be "70". Try that, and it will make sense. gee, I shouldn't have to make a leap like that...aren't these articles edited? Anyway, 65 and still h...
by Austintatious
Sun Apr 06, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3618

Re: John Bogle, Index Icon, Accused of Timing Market

John Bogle has not become a wild-eyed market timer. He is doing what many rational investors do and that is pay attention to valuations. He has also endorsed reaching for yield a bit, putting part of the stock portion of a portfolio into dividend stocks and using a corporate bond fund as part of th...
by Austintatious
Sun Apr 06, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle, Index Icon, Accused of Timing Market
Replies: 44
Views: 4931

Re: Delaying Social Security - best long-term investment?

What's the best long-term investment? Is it the one which most supports the investor's objective? If one's objective is maximum potential asset growth delaying social security is kind of dubious. If it's to maximize benefit receipts the system is more or less actuarially fair so unless you know how...
by Austintatious
Sun Apr 06, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3618

Re: Delaying Social Security - best long-term investment?

Well it didn't take me long to get confused! The “breakeven” period with these assumptions is just over 22 years; or stated another way, for the individual who chooses to delay until age 62, it takes until beyond age 84 just to recover the economic value of having waited. How can you "delay&qu...
by Austintatious
Sun Apr 06, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3618

Delaying Social Security - best long-term investment?

I've not seen mention on the forum of this article by Michael Kitces which provides both a simple example "Valuing The Trade-Off of Delaying Social Security" and some comparisons to alternative strategies, like opting in early and investing the money. I liked it because of the examples pro...
by Austintatious
Sun Apr 06, 2014 9:06 am
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3618

Re: John Bogle, Index Icon, Accused of Timing Market

But the concept of timing the market is nearly unlimited in its possibilities. So, Jack Bogle entertains the possibility making some relatively modest changes within the category of fixed income. What he's not doing (unless I've missed it) is recommending that one sell bonds and buy emerging market...
by Austintatious
Sat Apr 05, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle, Index Icon, Accused of Timing Market
Replies: 44
Views: 4931

Re: John Bogle, Index Icon, Accused of Timing Market

Bogle has clearly suggested that changes in allocation based on changing market conditions are reasonable. To me, it couldn't be more plain. A change in allocation based on changes in current and predicted market conditions is "timing the market". If the bond market's most recent favorable...
by Austintatious
Sat Apr 05, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle, Index Icon, Accused of Timing Market
Replies: 44
Views: 4931

Re: Decently written article on retirement

There are plenty of Americans realizing ample income to generate adequate retirement savings, who just don't and won't. It's called human nature. And there are more and more of us either working their butts off or hoping for the opportunity to work, who simply don't have the capacity to set aside ad...
by Austintatious
Tue Apr 01, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decently written article on retirement
Replies: 22
Views: 3113

Re: Prius performance in extremely hot climates

2010 Prius, 52 mpg, 120,000 plus miles on odometer, a great many of them racked up during 90 to 105 degree Texas days but no experience with the higher temps you speak of, AC works quite well, very pleased with car and dealer service to date, notwithstanding recalls
by Austintatious
Fri Mar 21, 2014 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Prius performance in extremely hot climates
Replies: 14
Views: 1012

Re: Adventurous Grand Canyon Trip

Considering your interest in the Canyon and in backpacking,I'd be surprised if you haven't already read "The Man Who Walked Through Time" by Colin Fletcher. If not, consider reading it before or even during your adventure.
by Austintatious
Thu Mar 06, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Adventurous Grand Canyon Trip
Replies: 18
Views: 1081

Re: Is John Bogle Wrong on Retirement Asset Allocation?

And with thoughtful planning, a couple can do much to mitigate the impact from a spouse's death. It's the stock and bond markets that are unpredictable and inherently less stable. Surely, it's the relative stability/reliability/predictability of pensions and/or SS that cause Jack Bogle to suggest t...
by Austintatious
Wed Mar 05, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 4828

Re: Is John Bogle Wrong on Retirement Asset Allocation?

Taking pension and social security into account when determining your risk tolerance and eventual asset allocation makes perfect sense. The example of a person having $400 k capitalized pension and SS and $400k equities and thinking they have a 50% bond and 50% equity portfolio doesn't make sense t...
by Austintatious
Wed Mar 05, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 4828

Re: Is John Bogle Wrong on Retirement Asset Allocation?

This is the one area where Mr. Bogle confuses me! I really enjoy reading his articles, books, and watching his interviews, but this whole social security and pension area just not agree with his advice of "age in bonds". Perhaps Mr. Bogle will expand on this and provide updated advice. I'...
by Austintatious
Tue Mar 04, 2014 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 4828

Re: Risky investment with a "guaranteed" principal return

IFKC, there's no way for us to appreciate the quality of the guarantee you speak of; however, it's integrity might not survive a bankruptcy. That's one thing you'd want to cover with your attorney. Should things go far south, the borrowers might not have the capacity to honor the guarantee, despite ...
by Austintatious
Sun Mar 02, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risky investment with a "guaranteed" principal return
Replies: 55
Views: 3355

Re: Giving newborn head start on retirement

You might want to listen to Paul Merriman's podcast on a way to "jump start" a retirement savings effort for a child.

http://paulmerriman.com/2014/02/12/an-a ... r-a-child/
by Austintatious
Mon Feb 24, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Giving newborn head start on retirement
Replies: 23
Views: 2160

Re: Skip IRA for 1 year to buy engagement ring

As so many are saying here one way or the other, the importance of these early years in your retirement savings career cannot be overstated, assuming that your investing wisely. For that reason, you should do everything you can to keep saving as much as you reasonably can. Don't skip. Instead, find ...
by Austintatious
Tue Feb 18, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 152
Views: 7229

Re: What to do in Austin, TX

Personally, if I was in Austin and was craving BBQ, I would head to the meccas of Luling and Lockhart, TX. Or to Southside Market in Elgin for their sausage. XXX Chili is another great place to try. Lawrence has it right, as far as it goes. But speaking of BBQ "meccas", we wouldn't want t...
by Austintatious
Mon Feb 17, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: What to do in Austin, TX
Replies: 44
Views: 2756

Re: What to do in Austin, TX

The Austin Chronicle can be a good source for info re music and food: http://www.austinchronicle.com/ If you should hear that a band called ShineyRibs is playing anywhere within reasonable driving distance, it definitely would be worth the time and effort. I've heard them. They're serious musicians....
by Austintatious
Mon Feb 17, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: What to do in Austin, TX
Replies: 44
Views: 2756

Re: How long did it take to transfer PenFed IRA from VG?

Now have to wait for the folks at Penfed to receive the funds on time before Jan 31st and to put it in for Jan 2013 rates....will they get it right this time or will it be another?!?!..well..yawn. Regards Yay!...at last I see the funds in Penfed and a pleasant surprise to see that I am in the 3.00%...
by Austintatious
Thu Feb 06, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: How long did it take to transfer PenFed IRA from VG?
Replies: 21
Views: 1455

Re: Questions about filling out PenFed IRA CD forms

greetje wrote:

my IRA transfer is jow at P Fed as of 1-30


Well, nothing like a happy ending. Congrats, greetje. You've sweated this one to the very end. Sounds like you and DH are in good shape at PenFed.
by Austintatious
Thu Jan 30, 2014 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5897

Re: New PenFed CD rates!

I have a question for those who have rolled over some Traditional IRA money from Vanguard into some PenFed CDs. I've been tempted to move some of my IRA bond allocation into these CDs but given the amount of time it takes to do a custodian to custodian transfer, how do you know that when the CDs fi...
by Austintatious
Wed Jan 22, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 33125

Re: Questions about filling out PenFed IRA CD forms

1-12-14 update Above I wrote "Today we went to vanguard and the one from hubby is now on way to P Fed. as his Vanguard IRA account says transferred on 1-8-14 and he has $0.00 in account. " Today 1-12-14 Hubby's P Fed account still shows 0.00 there too. So were is it greetje, it took 8 cal...
by Austintatious
Mon Jan 20, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5897

Re: Questions about filling out PenFed IRA CD forms

Hexdump, Since your IRA account is already established at PenFed, you may want to investigate the route of calling Vanguard and ask for a wire transfer of money from VG IRA to PenFed IRA. I have no idea if VG will do wire transfer for IRAs, but it is worth a try. If wire transfer is not available a...
by Austintatious
Mon Jan 20, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5897

Re: Questions about filling out PenFed IRA CD forms

DW's account is "finalized" and is just as she requested, with her IRA share account showing zero balance, and all her funds in IRA certificates. I don't believe that a minimum balance is required for one's IRA share account, unlike the $5 minimum requirement applicable to one's regular sh...
by Austintatious
Thu Jan 16, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5897

Re: Questions about filling out PenFed IRA CD forms

1-12-14 update Above I wrote "Today we went to vanguard and the one from hubby is now on way to P Fed. as his Vanguard IRA account says transferred on 1-8-14 and he has $0.00 in account. " Today 1-12-14 Hubby's P Fed account still shows 0.00 there too. So were is it greetje, it took 8 cal...
by Austintatious
Sun Jan 12, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5897

Re: Questions about filling out PenFed IRA CD forms

Austintatious, Vanguard has told me the same thing - an original signed transfer authorization form is required. Thanks for your info. I will be mailing the forms (again!) tomorrow. Something else we did, furwut, was to sign the form in blue ink. Yes, I know, but I just figured it might actually ma...
by Austintatious
Wed Jan 08, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5897

Re: Questions about filling out PenFed IRA CD forms

The two things of consequence we came away with were that they'd require an original signature on the Transfer Authorization, and that they'd require specificity as to the funds, including the amounts, to be liquidated and transferred. Oh boy. I got a call yesterday from Vanguard saying they were r...
by Austintatious
Wed Jan 08, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5897

Re: Questions about filling out PenFed IRA CD forms

I just talked to a Flagship rep at Vanguard yesterday who said that they need the original signature on the form and not a faxed copy for the IRA transfer. So my forms are in the mail today. Jerry In mid December, having come across the forum thread advising of the new PenFed rates and having notic...
by Austintatious
Wed Jan 08, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5897

Re: Questions about filling out PenFed IRA CD forms

Note Filling out PenFed's forms is not a user-friendly process. I am using a PDF "typewriter" tool, which includes buttons for making the text larger and smaller to fit it into tight spaces. Most people already know it, but some may find it useful that they don't have to fill the forms ou...
by Austintatious
Sat Jan 04, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5897

Re: How long did it take to transfer PenFed IRA from VG?

My wife mailed her Application and 3 IRA Transfer Authorizations, each with her original signature (in blue ink, I might add), to PenFed on 12/17/13. We saw that the funds were liquidated and deleted from her account at Vanguard on 12/30/13. We've received no communication from either party and are ...
by Austintatious
Sat Jan 04, 2014 11:22 am
 
Forum: Investing - Theory, News & General
Topic: How long did it take to transfer PenFed IRA from VG?
Replies: 21
Views: 1455

Re: PenFed Eligibility

John, I talked to a PenFed Consumer Service Representative a few weeks ago and was told that my wife was eligible for membership, as the spouse of a vet. I suggest that you call and talk to a CSR because not all of the qualifying criteria are specifically listed on the website. It may well be that b...
by Austintatious
Wed Jan 01, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Eligibility
Replies: 22
Views: 1709

Re: IMPORTANT INFO re: Penfed's IRA certificate policy

What's a missing f between friends? I read a passage from the CFR this morning where endorsed was written indorsed. It means the same thing, as does for and or with the missing f pronounced. sscritic, I buy your proposition that "indorsed" was near certainly entended to be "endorsed&...
by Austintatious
Wed Jan 01, 2014 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed IRA CD partial withdrawal penaties
Replies: 67
Views: 1682

Re: IMPORTANT INFO re: Penfed's IRA certificate policy

"Partial withdrawals from IRA certificate or qualified distributions without an early redemption penalty " Quoted from your link. Elsewhere it is stated that as long as $1000 remains - no penalty. Happy New Year From Penfed's website on the benefits of IRA Certificates: Make partial withd...
by Austintatious
Wed Jan 01, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed IRA CD partial withdrawal penaties
Replies: 67
Views: 1682

Re: any suggestions on a ccw

The real question is just how long this thread will be allowed to run. It has absolutely nothing to do with investing. [OT comments removed by admin LadyGeek] But it has no place on Bogleheads, or does it?
by Austintatious
Tue Apr 23, 2013 7:45 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 6043

Re: Are these funds tax efficient for taxable account?

For the funding of a new taxable account with a relatively small amount, say $1,000, what about one of the Vanguard Target Retirement funds having
minimal allocation to bonds, like the Target Retirement 2060 fund? I'm talking about tax efficiency and not about stock market risk.
by Austintatious
Tue Apr 23, 2013 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Are these funds tax efficient for taxable account?
Replies: 6
Views: 696

Re: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50

I remembered seeing this somewhat dated table on returns for various allocations, having recently read Bogle's 2010, revised Common Sense on Mutual Funds . Ch. 3, On Asset Allocation includes, in table 3.2, page 83,annualized total returns from 1971 -2009: 100/0 9.6% 80/20 9.7% 60/40 9.7% 40/60 9.6%...
by Austintatious
Mon Apr 22, 2013 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50
Replies: 155
Views: 12767

Re: I Bonds v. EE Bonds

If nothing else, the EE Savings Bonds will give older Bogleheads a reason to keep on ticking since you know they're going to want to get their money's worth, compare notes and "told ya so's" down the road. :P :wink: Indeed. Lord knows I can always use a bit more motivation. Thanks for the...
by Austintatious
Mon Apr 22, 2013 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds v. EE Bonds
Replies: 21
Views: 1442
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