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Re: How much riskier are munis than treasuries?

Using Vanguards risk ratings may be helpful. Vanguard Inter-Term Tax-Exempt https://personal.vanguard.com/web/images/smallrisk2.gif Vanguard Inter-Term Treasury https://personal.vanguard.com/web/images/smallrisk2.gif Vanguard Short-Term Tax-Exempt https://personal.vanguard.com/web/images/smallrisk1....
by Bustoff
Thu Apr 16, 2015 8:26 am
 
Forum: Investing - Theory, News & General
Topic: How much riskier are munis than treasuries?
Replies: 32
Views: 3741

Re: How does a retired person mitigate a Bond Bubble?

How does a retired person mitigate a Bond Bubble? Definitely not the way Brad Schneider does it. http://www.opensecrets.org/pfds/search_results_detail.php?filtertype=T&year=2013&org=Vanguard+Total+Bond&srchorg=VANGUARD&srchtype=O This is a safer way to mitigate a bond bubble. Note t...
by Bustoff
Thu Apr 16, 2015 7:31 am
 
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5674

Re: New York Times article on bond funds

ogd and nisi -
Thank you very much.
by Bustoff
Tue Apr 14, 2015 7:36 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3328

Re: Negative interest rates in Europe

toto238 wrote:Interesting piece in the WSJ today where they discuss negative interest rates across Europe.

Another reason why the Fed will be hard pressed to raise rates.
by Bustoff
Tue Apr 14, 2015 6:52 am
 
Forum: Investing - Theory, News & General
Topic: Negative interest rates in Europe
Replies: 9
Views: 1339

Re: New York Times article on bond funds

The concern is that structural problems arising from the liquidity artifacts will trigger broader panic and price volatility. Isn't it the opposite? My impression was that, yes, there are real liquidity issues, but it's not the "liquidity issues" that could trigger a panic. Rather, it wil...
by Bustoff
Sun Apr 12, 2015 9:49 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3328

Re: New York Times article on bond funds

It would be interesting to see what the average daily volume is in the "primary market" (where authorized participants exchange the ETF shares with the underlying bonds) for the most popular bond ETFs (and the ones I own :) ). Is that info readily available and is it available for every d...
by Bustoff
Sun Apr 12, 2015 9:15 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3328

Re: New York Times article on bond funds

simplesimon wrote:Article linked here: http://www.nytimes.com/2015/04/12/busin ... funds.html

Thanks simon. I went back and fixed the omission.
by Bustoff
Sun Apr 12, 2015 8:10 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3328

New York Times article on bond funds

Yesterday, the NYT published an article titled, Questioning the Seaworthiness of Bond Funds, written by Diana B. Henriques. While the article is not hyperbolic in nature, it's difficult to tell if any of this should be a source of concern because the subject of the article deals with somewhat esoter...
by Bustoff
Sun Apr 12, 2015 7:53 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3328

Re: Best fish oil/omega-3 supplement?

JLJL wrote:This thread will probably get locked.

Your probably right. I should have known better.
But just to be clear I'm not seeking any medical information.
by Bustoff
Sat Apr 11, 2015 11:28 am
 
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1218

Re: Favorite Boglehead Avatar?

Someone has an avatar of an elderly man kissing a little girl on the lips. That always creeps me out. I try to remind myself that there are cultural differences about kissing. Maybe the man in the avatar is the recent Jeopordy contestant who guessed that the "age of consent" for for girls...
by Bustoff
Sat Apr 11, 2015 11:14 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4507

Best fish oil/omega-3 supplement?

Do you take a fish oil/omega-3 supplement?
If so which one would you recommend?
by Bustoff
Sat Apr 11, 2015 8:25 am
 
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1218

Re: What Book Are You Currently Reading? Part VI

Get What's Yours: The Secrets to Maxing Out Your Social Security Hardcover by Laurence J. Kotlikoff , Philip Moeller , Paul Solman This book is already driving me nuts. I'm not sure what they call this style of writing but here it is: But how old are you and Jan? Larry asked. What difference does i...
by Bustoff
Sat Apr 11, 2015 8:10 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 635
Views: 88575

Re: Gifts to take to Scotland.

Scratch-off lottery tickets. :twisted:
by Bustoff
Sat Apr 11, 2015 6:21 am
 
Forum: Personal Consumer Issues
Topic: Gifts to take to Scotland.
Replies: 33
Views: 2075

GE stock up 11% on Friday.

GE stock soared 11% Friday to close at the highest level since Sept. 8, 2008. http://www.marketwatch.com/story/ges-stock-snaps-out-of-its-15-year-slump-2015-04-10 I bought General Electric in 2008 and made the mistake of purchasing it within an IRA and thereby lost the advantage of TLH. Currently GE...
by Bustoff
Sat Apr 11, 2015 6:00 am
 
Forum: Investing - Theory, News & General
Topic: GE stock up 11% on Friday.
Replies: 19
Views: 2125

Re: Best US city to spend Xmas

Rome, Italy.
by Bustoff
Sat Apr 11, 2015 5:25 am
 
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2315

Re: What Book Are You Currently Reading? Part VI

Get What's Yours: The Secrets to Maxing Out Your Social Security Hardcover by Laurence J. Kotlikoff , Philip Moeller , Paul Solman The book is too small. By that I mean it's dimension are much smaller than a typical hardcover book. To make things worse, the print is too small. They really cheaped o...
by Bustoff
Sat Apr 11, 2015 4:57 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 635
Views: 88575

Re: When to Retire?

Kualityboy wrote:
I would be interested in general thoughts from board members if you think I could retire comfortably today.

We estimate that we could live comfortably on $100,000 a year.

The key is knowing exactly how much you spend on a yearly basis. What are your current living expenses ?
by Bustoff
Sat Apr 11, 2015 4:39 am
 
Forum: Personal Finance (Not Investing)
Topic: When to Retire?
Replies: 35
Views: 3225

Re: What is Sammy Savers net worth?

I say one million ... but first show me the money. 8-)
by Bustoff
Fri Apr 10, 2015 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: What is Sammy Savers net worth?
Replies: 41
Views: 3590

Re: How does a retired person mitigate a Bond Bubble?

RMD's from tax-advantaged accounts could force an investor to take redemption's from bond funds during a period of declining NAV's.
by Bustoff
Fri Apr 10, 2015 7:56 am
 
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5674

Re: Real estate and reits

Valuethinker wrote: ... The volatility is huge ...

Yesterday Vanguard REIT ETF (VNQ) dropped over 2%.
by Bustoff
Fri Apr 10, 2015 6:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Real estate and reits
Replies: 22
Views: 2141

Re: How should I go about getting a Will made?

I've been meaning to get a will made up but never have done so yet. When the "completion" of the family I want to get this knocked out this year. I've seen places online like http://www.legalzoom.com and http://www.uslegalforms.com and have also been told I need to contact a lawyer. I'm n...
by Bustoff
Thu Apr 09, 2015 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2361

Re: How should I go about getting a Will made?

... Court employees are not ever supposed to give legal advice, ... judicial ethics rules against appearing to favor particular parties or attorneys. ...I am always happy to give them the name of a couple of colleagues I respect What are you talking about ? First of all, court clerks have no ethica...
by Bustoff
Wed Apr 08, 2015 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2361

Re: How should I go about getting a Will made?

Hiring a lawyer based on a friends referral is no different than investing in a mutual fund based solely on a brief conversation with a friend, co-worker, or relative. I would go down to the probate court and inquire. Nothing drives judges and and clerks more nuts than incompetent lawyers and poorly...
by Bustoff
Wed Apr 08, 2015 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2361

Re: A Little Surprise at the Social Security Office

These kind of screw ups are happening all the time now. I don't even want to think about how many hours were squandered on the phone with AT&T and Anthem over the last couple of years trying to rectify their screw ups.
by Bustoff
Wed Apr 08, 2015 7:59 am
 
Forum: Personal Finance (Not Investing)
Topic: A Little Surprise at the Social Security Office
Replies: 17
Views: 3121

Re: Bored -- wondering about day trading for fun

... So I'm thinking about starting a tiny little day-trading thing, like $1,000 or so, if you can do it for that little. Is that small a sum feasible for day trading? Which, by the way, I have never done. I've never even bought any individual stocks before. Thoughts? (Remember, bogleheading is a st...
by Bustoff
Tue Apr 07, 2015 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Bored -- wondering about day trading for fun
Replies: 61
Views: 5559

Re: What Movie Have You Recently Watched?

Over the winter watched all 5 seasons the HBO series The Wire . In true Boglehead fashion I rented the DVD's from the library. "The Wire" is probably the best and most realistic show I have ever seen. Check it out and enjoy. Agree. One of three great TV dramas: The Wire, The Sopranos, and...
by Bustoff
Tue Apr 07, 2015 1:55 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 729
Views: 97157

Re: What Movie Have You Recently Watched?

Over the winter watched all 5 seasons the HBO series The Wire. In true Boglehead fashion I rented the DVD's from the library.
"The Wire" is probably the best and most realistic show I have ever seen.
Check it out and enjoy.
by Bustoff
Tue Apr 07, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 729
Views: 97157

Re: Mohamed El-Erian Has Most of His Money in Cash

Could it be that adjusting ones asset allocation is not always market timing, but rather a change in ones risk tolerance based on an evolving risk reward spectrum? We puzzled, as did many in finance at the time, over the historically high prices of stocks. “What I cannot figure out,” my friend began...
by Bustoff
Mon Apr 06, 2015 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 69
Views: 7548

Re: Mohamed El-Erian Has Most of His Money in Cash

Do not confuse him with Leon Russell. I was going to reply with a beer smiley but it didn't seem appropriate for Leon. Hey, now that MJ consumption is ubiquitous maybe the moderators would see fit to add a "joint" smiley. Back to Leon El-Erian. Thanks for the reminders. Look no farther th...
by Bustoff
Mon Apr 06, 2015 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 69
Views: 7548

Re: Mohamed El-Erian Has Most of His Money in Cash

He has so much money that it doens't matter what he does with it. He could have most of it in a dono-advised fund and it would not matter to him. Do you expect to see him posting here about how to pay for college or retirement? You're absolutely right ... he exists in another dimension of time and ...
by Bustoff
Mon Apr 06, 2015 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 69
Views: 7548

Mohamed El-Erian Has Most of His Money in Cash

In an interview with the Orange County Register, Mohamed El-Erian reveals that most of his money is actually sitting in cash. OCR: Where is your money? Stocks? Treasuries? Bonds? El Erian: It is mostly concentrated in cash. That’s not great, given that it gets eaten up by inflation. But I think most...
by Bustoff
Mon Apr 06, 2015 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 69
Views: 7548

Re: Should I Buy a Used Motorhome

Thanks again for all the great advice and well needed dose of reality.
by Bustoff
Mon Apr 06, 2015 7:23 am
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 1995

Re: Should I By a Used Motorhome

No, don't do it and I say this as an RV person. My wife and I currently have a trailer and we have various 5th wheels and motorhomes scattered around our extended family. Here's the deal. RVs are an extremely personal thing. Everyone soon learns exactly what kind of size and space and features they...
by Bustoff
Sun Apr 05, 2015 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 1995

Re: Should I By a Used Motorhome

Take the $6500 and add the cost of insurance and repairs to a 20+ year beast. Will you want to be using 20 year old bedding, stove, shower, toilet, etc., or are there some updating needs for internet, TV, audio, etc., that require some addition to that $6500? Storing it won't be fee either. I under...
by Bustoff
Sun Apr 05, 2015 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 1995

Re: Should I By a Used Motorhome

... you may be interested in this series by Darrow Kirkpatrick, whose early-retirement blog "Can I Retire Yet?", is quite popular. http://www.caniretireyet.com/ Eric Hi Eric, Excellent suggestions. Yes, I have read those articles as I am a big fan of Darrow's website. Thank you.
by Bustoff
Sun Apr 05, 2015 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 1995

Re: Should I By a Used Motorhome

This is quite the question. :happy Or rather many questions. Do you want to be an RVer? If so, are you thinking full time or weekends? Something in between? How much did you enjoy the state park weekend? You'll have to find out the storage fees. I was lucky to store mine for $25 a month (outside st...
by Bustoff
Sun Apr 05, 2015 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 1995

Re: Should I By a Used Motorhome

Why are they selling it? I knew they were thinking about RV's when I saw this on a used car lot last spring and told them about it. They drove over to the dealer lot and bought it. They have used it only locally over the last year. But recently they decided they want to retire much sooner and are t...
by Bustoff
Sun Apr 05, 2015 10:34 am
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 1995

Re: Hate where we live, do we make major changes?

bowtie wrote:Bustoff:
What is that a photo of on your avatar?
I do not recognize it.
BT

Right click on photo. Then from the drop down menu click on "Search Google for this image". 8-)
by Bustoff
Sun Apr 05, 2015 10:21 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12076

Should I Buy a Used Motorhome

Friends just offered to sell us their 1994 Georgie Boy Swinger motorhome for $6500. It's in good running condition as far as I know. We actually spent a weekend with them last fall at a local state park. I have never owned any type of RV in the past nor do I have a place to keep it when not in use. ...
by Bustoff
Sun Apr 05, 2015 10:12 am
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 1995

Re: LOL how long do you keep old tax returns

Pursuant to a recent thread wherein I confessed to being a paper horder, I have spent the last few weeks shredding and scanning.
As far as tax returns, I retained only the 1040, W-2 and IRA contribution.
by Bustoff
Sun Apr 05, 2015 6:56 am
 
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3116

Re: Hate where we live, do we make major changes?

The only acceptable solution is two houses, one up north and one down south. The only other conceivable option is to purchase just one house on the west coast.
One house on the west coast is probably the better option 8-)
by Bustoff
Sat Apr 04, 2015 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12076

Re: Occasional big expenses after retirement

But I agree with you that putting aside $10k, $20k, $30k in an online savings acct earning 0.8% interest isn't too great. So I've started a second Roth IRA for this purpose. $1200 a month goes into this from my 403b instead of into my checking acct. Taxes will be the same, but the Roth account grow...
by Bustoff
Sat Apr 04, 2015 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Occasional big expenses after retirement
Replies: 32
Views: 2682

Re: Occasional big expenses after retirement

But I agree with you that putting aside $10k, $20k, $30k in an online savings acct earning 0.8% interest isn't too great. So I've started a second Roth IRA for this purpose. $1200 a month goes into this from my 403b instead of into my checking acct. Taxes will be the same, but the Roth account grow...
by Bustoff
Sat Apr 04, 2015 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Occasional big expenses after retirement
Replies: 32
Views: 2682

Re: Occasional big expenses after retirement

I set aside enough living expenses in CD's, 1% savings accounts and short-term bonds to reach age 70. I'm no longer interested in reaching for the stars.
We had to replace the roof and furnace in 2014.
We still haven't replaced our second vehicle ... I'm holding out for Tesla’s $35,000 Everyman Car.
by Bustoff
Sat Apr 04, 2015 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Occasional big expenses after retirement
Replies: 32
Views: 2682

Re: VRBO rental gone awry- recourse for security deposit?

Can you clarify your post a bit? You left one bag of trash, and they had to drive a few hours to take care of it? What was it? Construction debris? This does not make sense. +1 ... Condos have dumpsters. And if this was a free standing residence in a subdivision, I would have contacted the owner or...
by Bustoff
Sat Apr 04, 2015 8:38 am
 
Forum: Personal Consumer Issues
Topic: VRBO rental gone awry- recourse for security deposit?
Replies: 50
Views: 4986

Re: Has health coverage under ACA affected investment decisi

Would there be any advantage holding stock funds in tax-advantaged and bond funds in taxable? With interest rates so low would it be silly hold bond funds in taxable for the next few years and TLH those when needed. If you have ACA coverage, are there really any advantages holding equities in taxab...
by Bustoff
Sat Apr 04, 2015 6:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Has health coverage under ACA affected investment decisions?
Replies: 21
Views: 1991

Re: Gearing up for big replacement windows project

What about Window World. Are they poor quality?
by Bustoff
Sat Apr 04, 2015 5:55 am
 
Forum: Personal Consumer Issues
Topic: Gearing up for big replacement windows project
Replies: 35
Views: 2561

Re: Has health coverage under ACA affected investment decisi

Would there be any advantage holding stock funds in tax-advantaged and bond funds in taxable? With interest rates so low would it be silly hold bond funds in taxable for the next few years and TLH those when needed. If you have ACA coverage, are there really any advantages holding equities in taxabl...
by Bustoff
Sat Apr 04, 2015 5:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Has health coverage under ACA affected investment decisions?
Replies: 21
Views: 1991

Re: Beach vacation in So Cal

We are planning a 5 day vacation in Southern California some time in July or August. We are a couple with a 4-year old boy. Prefer somewhere close to a nice family friendly beach, and a good selection of restaurants. I am not very familiar with So Cal. I am thinking that we will fly into either LAX...
by Bustoff
Sat Apr 04, 2015 5:14 am
 
Forum: Personal Consumer Issues
Topic: Beach vacation in So Cal
Replies: 52
Views: 4241

Re: Buy riding mower or hire service to cut grass?

If you buy the rider do yourself a favor and get a "zero turn" model.
by Bustoff
Sat Apr 04, 2015 4:18 am
 
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 3917
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