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Re: Why only stocks in a taxable account at retirement?

I have separate taxable and tax-deferred AA's - in part for this reason, but there are several other good reasons. My plan is to use the taxable account first. At 70 1/2, I'll be taking SS and RMD. So taxable really only needs to last until 70 1/2. Accordingly, the tax-deferred is invested more aggr...
by Call_Me_Op
Wed Aug 20, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 6
Views: 327

Re: TIPS vs SVF

Isn't a Stable Value fund more like a Bond fund than TIPS? Don't you need TIPS + Bonds OR SV? First, TIPS are bonds. Second, "need" is a very strong word, too often employed casually in this forum. You don't "need" to do anything. I think you are asking whether it is better (in ...
by Call_Me_Op
Wed Aug 20, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs SVF
Replies: 10
Views: 970

Re: Convincing fears on investing for now?

I'm a Boglehead, you can even call me a "Boglehead purist"... You are certainly not a Boglehead purist. You are using an evaluation metric to try to time the market. Bogleheads believe staying invested at all times in accordance with their IPS - which typically means having some more-or-l...
by Call_Me_Op
Tue Aug 19, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Convincing fears on investing for now?
Replies: 32
Views: 2668

Re: Defining "Stay the Course"

I am a pretty consistent Boglehead with a plan and am good at mainly sticking to it. But I just had a job-related life event that suddenly changed my risk profile. As a result, I moved my 4% allocation of High Yield bond fund to intermediate bonds. I know there has been a flow recently out of high ...
by Call_Me_Op
Tue Aug 19, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 18
Views: 1232

Re: Gold, Silver, Copper

Funny how people think gold is low because it is much lower than its high. Gold is notoriously difficult to value, but if I were to value it I would say that it is significantly over-valued based upon its long-term relationship to US inflation. That does not mean it can't go up in the short-term.
by Call_Me_Op
Tue Aug 19, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 102
Views: 6110

Re: Is a big war coming ???

If the general consensus were that you are correct, commodities would not be at all time lows. Remember that all that is widely believed is already baked into the cake(s).
by Call_Me_Op
Tue Aug 19, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3626

Re: Bond Question

50% in VBMPX

50% in VIPSX
by Call_Me_Op
Sun Aug 17, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Question
Replies: 7
Views: 451

Re: Spouse not ready to cut ties with financial advisers

Tibbits: We have no kids. I'm an accountant and they do send me clients on referrals. But not $30,000 worth!. I have an engineering background (no formal finance education except for obligatory course in macro-economics) and find no difficulty managing my portfolio. In fact, sound investing is so e...
by Call_Me_Op
Sun Aug 17, 2014 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5786

Re: GTU and taxes [Central GoldTrust closed-end fund]

Hi Tanelorn, After a more careful read, it looks like you are correct. Thanks for the feedback. Do you have direct experience with the QEF election process? When they say to make the election in the year the fund is purchased I assume this actually means when you are filing your taxes the following ...
by Call_Me_Op
Sun Aug 17, 2014 7:31 am
 
Forum: Investing - Theory, News & General
Topic: GTU and taxes [Central GoldTrust closed-end fund]
Replies: 4
Views: 337

GTU and taxes [Central GoldTrust closed-end fund]

Some here are aware of the potential advantage of holding gold in taxable via GTU, which is a closed-end fund. Essentially, if you fill-out the proper paperwork, long-term gains are taxed at your LTG tax rate rather than the 28% collectibles rate. However, I have not seen discussed the following big...
by Call_Me_Op
Sat Aug 16, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: GTU and taxes [Central GoldTrust closed-end fund]
Replies: 4
Views: 337

Re: Taxation of Gold in Taxable Account

Thanks tn. I understand that a certain IRS form needs to be completed the year(s) you purchase GTU as well as the year(s) that you sell. Is this correct?
by Call_Me_Op
Fri Aug 15, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxation of Gold in Taxable Account
Replies: 2
Views: 206

Taxation of Gold in Taxable Account

My understanding is that holding gold (for long periods) in a closed-end fund (such as GTU) results in tax treatment identical to that of long-term capital gains. The combined long-term capital gains tax rates are much lower than combined collectible tax rates (at least for those in higher brackets)...
by Call_Me_Op
Fri Aug 15, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxation of Gold in Taxable Account
Replies: 2
Views: 206

Re: Cost of House Power Washing

I have a small 2 story house, 30 foot by 28 foot footprint. I received an estimate to wash half of the house (the other half is clean) for $500.
by Call_Me_Op
Thu Aug 14, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Cost of House Power Washing
Replies: 8
Views: 817

Re: Cost of House Power Washing

Due to the height and other issues, I plan to hire someone to do the work.
by Call_Me_Op
Thu Aug 14, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Cost of House Power Washing
Replies: 8
Views: 817

Cost of House Power Washing

Is anyone familiar with rates (say, per square foot) for having vinyl siding on one's house power-washed (or otherwise cleaned)? Also, are there good less-toxic alternatives to diluted bleach (for mold/mildew)?
by Call_Me_Op
Thu Aug 14, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Cost of House Power Washing
Replies: 8
Views: 817

Re: Beat The Street's Permanent Portfolio

Beat The Street wrote:
Call_Me_Op wrote:Include 30% in 30 year zeroes as part of just about any back-tested portfolio and it will look good.

Did it look good in 2013 when it lagged the market by almost 27%?


That was one year. Over ay appreciable time period in the recent past, 30 year treasuries have done quite well.
by Call_Me_Op
Wed Aug 13, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Beat The Street's Permanent Portfolio
Replies: 36
Views: 2996

Re: Beat The Street's Permanent Portfolio

Clearly_Irrational wrote: During most periods of normal inflation real interest rates would be positive and I wouldn't be holding gold anyways.


I wouldn't think that only buying gold when it is in high demand (such as when real rates are negative) is a particularly profitable strategy.
by Call_Me_Op
Wed Aug 13, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Beat The Street's Permanent Portfolio
Replies: 36
Views: 2996

Re: Beat The Street's Permanent Portfolio

Boy oh boy oh boy I do not understand the love that long-term bonds seem to have been getting lately. I can't understand committing for thirty years to a judgement about what inflation and interest rates are going to do. I don't see how anybody who lived through 1975-1985 could, and that wasn't by ...
by Call_Me_Op
Wed Aug 13, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Beat The Street's Permanent Portfolio
Replies: 36
Views: 2996

Re: Beat The Street's Permanent Portfolio

Include 30% in 30 year zeroes as part of just about any back-tested portfolio and it will look good.
by Call_Me_Op
Wed Aug 13, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Beat The Street's Permanent Portfolio
Replies: 36
Views: 2996

Re: 3.3% Vanguard 10 year CD

OP: I suggested you think twice before going out that long, and you have, indeed, thought it through. so I have your blessing to pull the trigger? Do you really need John's blessing? As pointed-out earlier, everyone who own an intermediate bond fund holds some bonds with 10 year (or even greater) m...
by Call_Me_Op
Mon Aug 11, 2014 7:38 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8035

Re: Going 60+% international? (US resident)

It's hard to envision a scenario where the US market enters a Japan-like situation, while the rest of the equities markets hums along like lollipops and unicorns. But I suppose there is always the chance.... In early 2007, it would have been hard to envision what happened in 2008. The hard to envis...
by Call_Me_Op
Sun Aug 10, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5863

Re: Need for International Investing ?

So when John Bogle and Warren Buffett agree that international is not necessary, and after reading Jack's chapter on why he feels this way, I feel pretty secure not holding it. Jack did not come to this decision lightly and his chapter in Common Sense on Mutual Funds proves that point. What does th...
by Call_Me_Op
Sun Aug 10, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2472

Re: Going 60+% international? (US resident)

Mr. Bogle, in Common Sense on Mutual Funds, devotes an entire chapter to Global Investing. You may or may not agree, but after reading his chapter you will realize that he is extremely well informed on the subject and did not come to his recommendation lightly ("up to 20% international")....
by Call_Me_Op
Sun Aug 10, 2014 8:27 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5863

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

This has been discussed before but again I want to be sure: OK, so someone cracks my Vanguard (or Fidelity etc) password. Then what? Yeah, they could "sell" a highly appreciated security, incurring big capital gains taxes and create other havoc. But the real risk is that the money gets wi...
by Call_Me_Op
Sun Aug 10, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7331

Re: Going 60+% international? (US resident)

Nispirius, I don't understand why you're an international skeptic, or that diversifying into international stocks doesn't have much of an advantage. I'd argue it most certainly does; just as if you live in any other country outside of the US, it makes sense to hold a substantial weight in US equiti...
by Call_Me_Op
Sun Aug 10, 2014 7:26 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 5863

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Why wouldn't a given firm use a proprietary hash algorithm? Seems like that would greatly reduce the odds of compromise since the attacker would need more than a bank of fast computers to extract the passwords.They need to know the proprietary hash algorithm.
by Call_Me_Op
Sun Aug 10, 2014 7:22 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7331

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Dumb question (perhaps): Since a website (e.g., Fidelity) will typically flag 3 or more attempts to enter a password (for any given username), how can these programs go through millions and billions of character combinations to find the right one? In other words, what is their test metric? They are...
by Call_Me_Op
Sat Aug 09, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7331

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Dumb question (perhaps): Since a website (e.g., Fidelity) will typically flag 3 or more attempts to enter a password (for any given username), how can these programs go through millions and billions of character combinations to find the right one? In other words, what is their test metric? They are...
by Call_Me_Op
Sat Aug 09, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7331

Re: The Worst Investment You Can Make: Buying a Home

IMO, owning a house (versus a condo, or renting - or living under a bridge) should be viewed in terms of a lifestyle decision, not in terms of its performance as an investment.
by Call_Me_Op
Sat Aug 09, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 79
Views: 7697

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Dumb question (perhaps): Since a website (e.g., Fidelity) will typically flag 3 or more attempts to enter a password (for any given username), how can these programs go through millions and billions of character combinations to find the right one? In other words, what is their test metric?
by Call_Me_Op
Sat Aug 09, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7331

Re: Understanding Muni/Treasury spreads

The most relevant point made in the responses was provided above by #Cruncher. You should not be using the distribution yield to compare funds. Distribution yield has nothing to do with the yield you will obtain if you purchase the fund.
by Call_Me_Op
Sat Aug 09, 2014 8:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Understanding Muni/Treasury spreads
Replies: 9
Views: 810

Re: Thinking of maybe changing bonds...

I don't think it's all about yield - so I think I am siding more with ogd. I think it should be about the overall risk-return characteristics of the portfolio. From that viewpoint, the decision between treasuries and municipals is about more than after-tax yield. I for one am not convinced that the ...
by Call_Me_Op
Fri Aug 08, 2014 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of maybe changing bonds...
Replies: 11
Views: 1159

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

Since when do Bogleheads "buy and hold?" Your premise is false.
by Call_Me_Op
Thu Aug 07, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4346

Re: Wealthtrack

I believe that is a re-run. It was good, though.
by Call_Me_Op
Tue Aug 05, 2014 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthtrack
Replies: 2
Views: 635

Re: What to tell friends who think "it's all a scam"

I was out drinking with a few friends on the weekend, and the topic of investing came up. One of my friends doesn't invest because he thinks "it's all a scam". Those were his exact words. I tried to explain as best as I could about the Boglehead philosophy, but it didn't seem like it was ...
by Call_Me_Op
Tue Aug 05, 2014 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: What to tell friends who think "it's all a scam"
Replies: 64
Views: 5673

Re: Change in circumstance

The expected retuen for the TIPS fund is about the same, so I don't expect it to make much difference.
by Call_Me_Op
Tue Aug 05, 2014 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Change in circumstance
Replies: 2
Views: 619

Re: Do I need umbrella insurance?

This seems illogical. Why wouldn't they sell to someone with little exposure to liability? Because it doesn't sound like the OP has primary liability insurance in his name which is generally how umbrella works. The reason that umbrella providers require primary liability is because they seek to min...
by Call_Me_Op
Sun Aug 03, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella insurance?
Replies: 24
Views: 2669

Re: Caring for Parents

Sounds like you need to keep this liquid. Best approach may be to find a relatively high-yield bank account and keep it there.
by Call_Me_Op
Sun Aug 03, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Caring for Parents
Replies: 4
Views: 533

Re: Diminishing returns

sscritic wrote:
Call_Me_Op wrote:Sounds like you might need your own central AC system. :)

I have one, it's just that I am (pick one): too cheap to run it, too much of a boglehead to run it, or both (is there a difference?).



Not really. :wink:
by Call_Me_Op
Sat Aug 02, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 3942

Re: Do I need umbrella insurance?

JonnyDVM wrote:You don't need umbrella and I don't think they would even sell it to you given your current living scenario.


This seems illogical. Why wouldn't they sell to someone with little exposure to liability?
by Call_Me_Op
Sat Aug 02, 2014 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella insurance?
Replies: 24
Views: 2669

Re: Fidelity Customer Protection Guarantee

skepticalobserver wrote:Place your investments in multiple brokerages. Use short term t-bills, which are often commission free when bought at auction, instead of money market funds.


Is this comment intended to apply to money-market funds invested in t-bills?
by Call_Me_Op
Sat Aug 02, 2014 7:49 am
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 2059

Re: RBD here yet? (DOW -300points drop) [Really Bad Day]

I've noticed a sudden suspension (in this forum) of posts on going 100% into equities. Curious...
by Call_Me_Op
Fri Aug 01, 2014 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5079

Re: I-bond purchasing strategy

vtMaps wrote:July 1st 1915.

--vtmaps


Intriguing.
by Call_Me_Op
Fri Aug 01, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: I-bond purchasing strategy
Replies: 16
Views: 2204

Re: Central AC replacement decision

Carrier SEER 13 multi-speed with Puron here, circa 2004. Very happy with the system in all respects.
by Call_Me_Op
Fri Aug 01, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 3942

Re: Bond Fund Question

john94549 wrote:
However, these days, it is best to nibble around the edges, fight for each bps, then relax. Rates will do what rates will do, which is revert to the mean.


Really, says who? To what mean are you referring?
by Call_Me_Op
Fri Aug 01, 2014 7:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 30
Views: 3362

Re: Bond Fund Question

Scooter57 wrote:Patience!

Rates are rising again and it is quite possible we'll see better CD and money market rates over the next few months.


Hmmm..where have I heard that before? :confused

It's a very safe statement to make, of course, since just about anything is "quite possible."
by Call_Me_Op
Fri Aug 01, 2014 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 30
Views: 3362

Re: Diminishing returns

The noise of what? Both the compressor and blower should be well-isolated from living spaces. It depends. I leave my windows open; my close next door neighbor leaves his AC on all night. It may be isolated for him, but it is not isolated for me. I even have to close my window in my study to hear my...
by Call_Me_Op
Fri Aug 01, 2014 7:28 am
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 3942

Re: All money in TIPs??

Now my question: if you were my adviser, would you not jump in and buy the TIPs ladder now? Welcome opinions and other ideas. You should do what will allow you to sleep well at night. If you have enough so that TIPS with today's real yields will suffice, I see no reason to wait. Real yields may not...
by Call_Me_Op
Fri Aug 01, 2014 6:43 am
 
Forum: Investing - Help with Personal Investments
Topic: All money in TIPs??
Replies: 25
Views: 2782

Re: Diminishing returns

I would be looking at SEER 14. A lot lower in price. You need to run some numbers Hmm, the quote for the SEER 14 model was $5,900 installed, which is not all that much cheaper than the SEER 17. (And SEER 14 was the noisiest of the three, at 70dB). The noise of what? Both the compressor and blower s...
by Call_Me_Op
Fri Aug 01, 2014 6:30 am
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 3942

Re: Fidelity Customer Protection Guarantee

Article in WSJ today about computer hacking into brokerage accounts. Apparently Fidelity has a 'Customer Protection Guarantee' reimbursing customers for losses from hackers where customer used due care. Wondering if Vanguard has equivalent policy for their accounts? "Due care" is the oper...
by Call_Me_Op
Wed Jul 30, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 26
Views: 2059
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