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Need Help: State-Specific Bond Funds and Moving ?

Hello dear Bogleheads: 1. I have an OH LT Bond Fund with $3-4k of long term capital gains. I have moved to CA and am working there now. What should I do with this fund? 2. I have some extra money in my taxable checking account and would like to invest in a higher yielding asset (according my IPS I a...
by Fat-Tailed Contagion
Sat Aug 23, 2014 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help: State-Specific Bond Funds and Moving ?
Replies: 6
Views: 585

Re: Bernstein: Don’t Bother With Intnational Bonds

Does anyone have returns data for unhedged intl total bond fund?

It may be used as a diversifying asset aside from the other traditional US-based portfolio strategies...
by Fat-Tailed Contagion
Sat Jun 28, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9278

Re: Benjamin Graham thinks current S&P valuations are reason

Why do you think he used a AA bond and not a 10-year Treasury ?
by Fat-Tailed Contagion
Sun Mar 02, 2014 1:29 am
 
Forum: Investing - Theory, News & General
Topic: Benjamin Graham thinks current S&P valuations are reasonable
Replies: 54
Views: 7524

Re: Optimal Portfolio Drawdown Strategy ?

Thank you for the great information.
by Fat-Tailed Contagion
Thu Jan 09, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Optimal Portfolio Drawdown Strategy ?
Replies: 3
Views: 716

Optimal Portfolio Drawdown Strategy ?

1. IRA RMD's from Bond Funds 2. Taxable Muni Bond Fund (where Dividends get swept from all Taxable accounts) 3. IRA Distributions from Bond Funds 4. IRA Distributions from Stock Funds 5. Taxable Stock Funds 6. Roth-IRA Stock Funds Assumptions: Laxy 5-6 fund portfolio, 50/50 AA, want to leave inherit...
by Fat-Tailed Contagion
Tue Jan 07, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Optimal Portfolio Drawdown Strategy ?
Replies: 3
Views: 716

Re: POLL: Consumption Inflation % in Retirement

Thanks guys for the insights.

Awesome food for thought!
by Fat-Tailed Contagion
Mon Jan 06, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 11
Views: 792

Re: POLL: Consumption Inflation % in Retirement

Thanks Richard and Alan for the sage advice.

I agree on all points.

Thanks everyone for your estimates!
by Fat-Tailed Contagion
Sun Jan 05, 2014 11:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 11
Views: 792

Re: POLL: Consumption Inflation % in Retirement

The spread between 30 year nominal treasuries and 30 year TIPS is likely close to the market's estimate of inflation over the next 30 years. Call it 2.4%. There's probably some inflation risk premium built in, but bump it up a few tenths for higher retiree expense inflation and the unexpected. Hi R...
by Fat-Tailed Contagion
Sun Jan 05, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 11
Views: 792

Re: POLL: Consumption Inflation % in Retirement

Thanks nisprius.

Just looking for a nominal number to plug into a nominal spreadsheet at the moment.
by Fat-Tailed Contagion
Sun Jan 05, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 11
Views: 792

POLL: Consumption Inflation % in Retirement

What is your best estimate ?

(assumption: you are retiring soon and trying to predict the inflation on your annualized spending for analysis purposes)

Healthcare including Drugs:
Food:
Energy:
Transportation:
Housing:

Total: x % ?
by Fat-Tailed Contagion
Sun Jan 05, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Consumption Inflation % in Retirement
Replies: 11
Views: 792

Re: Vanguard's worst fund (also #1) in 2013.

Year Total return 2013 – 35.13% 2012 – 12.98% 2011 – 21.70% 2010 37.45% 2009 76.46% 2008 – 56.02% 2007 36.13% 2006 34.30% 2005 43.79% 2004 8.09% 2003 59.45% 2002 33.35% 2001 18.33% 2000 – 7.34% 1999 28.82% 1998 – 3.91%
by Fat-Tailed Contagion
Thu Jan 02, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's worst fund (also #1) in 2013.
Replies: 36
Views: 8608

Re: Vanguard's worst fund (also #1) in 2013.

Could there be a more reliable signal of capitulation than when Taylor throws in the towel on an asset class?

PME is getting more and more attractive.

Does reversion to the mean not apply to this asset class?
by Fat-Tailed Contagion
Thu Jan 02, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's worst fund (also #1) in 2013.
Replies: 36
Views: 8608

Financial Phenomena - ST Momentum & LT Reversion to Mean

Two significant findings from Finance (whether explained by Behavioral or otherwise) is 1. Short Term Momentum - ~ 1 Quarter 2. Long Term Reversion - ~ 4 Quarters I learned this in Finance in school, does anyone know if this phenomena still exists ? If so, is the duration of the effect the same ? I ...
by Fat-Tailed Contagion
Thu Jan 02, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Phenomena - ST Momentum & LT Reversion to Mean
Replies: 4
Views: 343

Re: Getting Best Price for a Prescription Drug

These drugs are very inexpensive if you travel to other countries in this hemisphere.

You could likely get an annual supply for the cost of the vacation.

Just food for thought.
by Fat-Tailed Contagion
Thu Jan 02, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 5569

Re: CAPE 26.4 - Would Ben Graham model be at 25/75 : Stock/B

Wow, what a sage!

Thank you for sharing that info on his P/E 7 idea. I would guess that correlates very highly with Shiller's P/E 10 numbers.

I guess that is why he set 50/50 as mark as to not miss out on those periods of good stock perfomance at high valuations...(?)
by Fat-Tailed Contagion
Tue Dec 31, 2013 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: CAPE 26.4 - Would Ben Graham model be at 25/75 : Stock/Bond?
Replies: 15
Views: 1168

Re: CAPE 26.4 - Would Ben Graham model be at 25/75 : Stock/B

StarbuxInvestor wrote:
Fat-Tailed Contagion wrote:http://www.multpl.com/shiller-pe/

What would Ben do?


Was CAPE around when Benjamin Graham was alive?


It was around although likely not revealed to the Human Mind yet.

I think he relied on P/E Ratio using past year's earnings ?
by Fat-Tailed Contagion
Tue Dec 31, 2013 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: CAPE 26.4 - Would Ben Graham model be at 25/75 : Stock/Bond?
Replies: 15
Views: 1168

Anyone use a Valuation Model for Adjusting Stock/Bond Mix?

If, so are you willing to share your methodology?

Thanks!
by Fat-Tailed Contagion
Tue Dec 31, 2013 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone use a Valuation Model for Adjusting Stock/Bond Mix?
Replies: 0
Views: 139

Re: CAPE 26.4 - Would Ben Graham model be at 25/75 : Stock/B

Thank you! That is exactly what I was thinking...

Where do you find the excerpts from 'The Intelligent Investor' ?
by Fat-Tailed Contagion
Tue Dec 31, 2013 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: CAPE 26.4 - Would Ben Graham model be at 25/75 : Stock/Bond?
Replies: 15
Views: 1168

Re: CAPE 26.4 - Would Ben Graham model be at 25/75 : Stock/B

I didnt read anything in your post relating to my question.
by Fat-Tailed Contagion
Tue Dec 31, 2013 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: CAPE 26.4 - Would Ben Graham model be at 25/75 : Stock/Bond?
Replies: 15
Views: 1168

Re: RBD (Really Bad Day) today ?

Aug 15, 2013

VGPMX +0.80%
GDX +6.03%

What makes for the large gap in performance between VG's Mining Fund and the ETF ?

It seems substanitally different in performance, doesnt make sense.
by Fat-Tailed Contagion
Thu Aug 15, 2013 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: RBD (Really Bad Day) today ?
Replies: 69
Views: 7150

Re: Precious metals fund VGPMX

Today Aug 15 - VGPMX was only Vanguard Fund with a positive return +0.80% (ignoring money market funds paying 0%)

Although, Gold Miners ETF (GDX) was up +6.03% today.

It seems GDX has significantly outperformed VGPMX recently.

Any thoughts ?
by Fat-Tailed Contagion
Thu Aug 15, 2013 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Precious metals fund VGPMX
Replies: 41
Views: 6173

Car Buy / Lease Decision -> Disruptive Technology

HI BH's. I am in the market for economical transportation - like a Honda Fit type car. How do I factor in disruptive technologies (electric, etc) into the equation of buying versus leasing ? I would not want to own a gasoline engine car and try to sell it into a market in 10 years when the technolog...
by Fat-Tailed Contagion
Thu Aug 15, 2013 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Buy / Lease Decision -> Disruptive Technology
Replies: 6
Views: 775

Re: Source for Correlation Data on Vanguard Funds ?

Cool nis - thanks for that site.

I was referring to the following as "alternative" asset classes, or sector funds I guess you may call them.

VGENX - Energy

VGPMX - Precious Metals and Mining

VGHCX - Health Care

VGSIX - US REIT

VGXRX - INT'L REIT

Thanks!
by Fat-Tailed Contagion
Thu Aug 15, 2013 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Source for Correlation Data on Vanguard Funds ?
Replies: 5
Views: 453

Source for Correlation Data on Vanguard Funds ?

Dear BH's:

Is there an existing source for historical correlation data on Vanguard funds ?

Specifically, I am interested in learning the correlation of Vanguard's "alternative asset class" funds vs. Vanguard's Total Market funds.

Thank you for sharing,

Fatty
by Fat-Tailed Contagion
Thu Aug 15, 2013 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Source for Correlation Data on Vanguard Funds ?
Replies: 5
Views: 453

Re: Tax Loss Harvest OH LT Tax Exempt Bond Fund to ?

Thanks! Currently living in CA - should I switch full amount to that fund since it has a $43 net gain. Short term loss and Long term gain. Switch now. Actually having a slight gain in muni's solves some problems that would have been incurred with a realized loss. What problems are there with realiz...
by Fat-Tailed Contagion
Fri Aug 09, 2013 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest OH LT Tax Exempt Bond Fund to ?
Replies: 10
Views: 426

Things to Do on visit to Sarasota, Florida

Hi Bogleheads,

Any suggestions on what to do and see in Sarasota, FL area would be greatly appreciated.

Thank you!
by Fat-Tailed Contagion
Wed Aug 07, 2013 11:27 am
 
Forum: Personal Consumer Issues
Topic: Things to Do on visit to Sarasota, Florida
Replies: 9
Views: 704

Re: HSA - Old Employer Plan ?

Would I need to submit receipts somewhere to prove the withdrawal was for medical expenses?
by Fat-Tailed Contagion
Sat Aug 03, 2013 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - Old Employer Plan ?
Replies: 5
Views: 356

HSA - Old Employer Plan ?

I just received notice in the mail that an old HSA $638 needs to be verified or it will be submitted as property of the state. Can I take this money out of the HSA ? Are there any consequences to that ? It is being feed up each quarter by Chase Bank and slowly losing value. I'd rather just take it o...
by Fat-Tailed Contagion
Sat Jul 27, 2013 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - Old Employer Plan ?
Replies: 5
Views: 356

Re: Tax Loss Harvest OH LT Tax Exempt Bond Fund to ?

Thanks! Currently living in CA - should I switch full amount to that fund since it has a $43 net gain. Short term loss and Long term gain.
by Fat-Tailed Contagion
Wed Jun 26, 2013 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest OH LT Tax Exempt Bond Fund to ?
Replies: 10
Views: 426

Re: Tax Loss Harvest OH LT Tax Exempt Bond Fund to ?

Havent considered or rejected any. Open-minded at this point to others' experience and direction.
by Fat-Tailed Contagion
Wed Jun 26, 2013 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest OH LT Tax Exempt Bond Fund to ?
Replies: 10
Views: 426

Tax Loss Harvest OH LT Tax Exempt Bond Fund to ?

I have a small loss in this fund and would like to switch it out for something else and capture the tax loss.

Any suggestions on funds ? I moved out of Ohio so I was thinking a non-state specific fund may be more appropriate.
by Fat-Tailed Contagion
Wed Jun 26, 2013 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest OH LT Tax Exempt Bond Fund to ?
Replies: 10
Views: 426

Re: Tax Loss Harvest Total Int'l Stock Index Fund

Thank you for the great explanation!

What are the negatives of holding the FTSE ex-USA indefinitely vs. Total Int'l ?
by Fat-Tailed Contagion
Sat Jun 22, 2013 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest Total Int'l Stock Index Fund
Replies: 11
Views: 900

Tax Loss Harvest Total Int'l Stock Index Fund

I have a loss in a taxed account for this fund.

What is the Boglehead suggested tax loss harvesting operation?

What fund to switch to and when to switch back ?

Thanks!
by Fat-Tailed Contagion
Sat Jun 22, 2013 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest Total Int'l Stock Index Fund
Replies: 11
Views: 900

Re: Capital Loss Carryovers

Do I also need to to fill out the Capital Loss Carryover form for California state?
by Fat-Tailed Contagion
Sun Mar 31, 2013 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryovers
Replies: 11
Views: 1236

Capital Loss Carryovers

Hi,

1. If I have $60,000 in Carryovers, do I have to use all $3000 in 2012 if I want to use them or can I use a lesser amount to offset less income?

2. Can I save them and use them next year if I choose to?

Thank you.
by Fat-Tailed Contagion
Sun Mar 31, 2013 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryovers
Replies: 11
Views: 1236

Re: History as a Guide for Current Financial Climate?

Thanks for the thoughtful replies.

Most of the outcomes of similar past experiences seem to be fairly unfavorable, but maybe this time it's different?
by Fat-Tailed Contagion
Sat Feb 09, 2013 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: History as a Guide for Current Financial Climate?
Replies: 9
Views: 834

Re: History as a Guide for Current Financial Climate?

Thanks for the reply.

I read the wiki on that period.

Did you find many similarities to that period and what is going on now in the US?
by Fat-Tailed Contagion
Sat Feb 09, 2013 4:31 am
 
Forum: Investing - Theory, News & General
Topic: History as a Guide for Current Financial Climate?
Replies: 9
Views: 834

History as a Guide for Current Financial Climate?

Hi Bogleheads: Are there any examples in history that can help guide us in the current financial climate? - No political opinion, I am looking to find global historical examples of what has happened when a government has intervened with stimulus after a near collapse and what the eventual consequenc...
by Fat-Tailed Contagion
Wed Feb 06, 2013 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: History as a Guide for Current Financial Climate?
Replies: 9
Views: 834

Re: Specs for a Portable Laptop these days?

justus wrote:My sweet spot "choice" has been the T-series Thinkpad 14" and MacBook Pro 13". I find the popular 15.6" laptops are far too bulky and awkward to transport easily.


I would like a PC, what T-series model would you guys recommend?
by Fat-Tailed Contagion
Thu Jan 10, 2013 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Specs for a Portable Laptop these days?
Replies: 36
Views: 2856

Re: Annual Savings of Retiring in Florida?

There are several costs that different in Florida, but savings depends on where you live today. I am moving to Florida from Virginia. The state income tax is a huge savings. Property taxes are significantly less. I am not on the coast so I found homeowners insurance to be equal or slightly less the...
by Fat-Tailed Contagion
Tue Jan 08, 2013 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Annual Savings of Retiring in Florida?
Replies: 18
Views: 2085

Re: What creative ways have you found to reduce monthly bill

Thank you all for sharing! Very insightful and humorous ;)
by Fat-Tailed Contagion
Mon Jan 07, 2013 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What creative ways have you found to reduce monthly bills?
Replies: 66
Views: 3879

Annual Savings of Retiring in Florida?

Has anyone calculated their savings of moving to a No State Income Tax state like Florida? *Moving from Ohio - Marginal State Tax ~4.1%, Sales Tax 5.5% Are there any other savings to be had by retiring in Florida? Homestead exemption save much $? Anything else? Thank you for sharing your experience!...
by Fat-Tailed Contagion
Mon Jan 07, 2013 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Annual Savings of Retiring in Florida?
Replies: 18
Views: 2085

What creative ways have you found to reduce monthly bills?

Example. switching from Cable to Netflix.

Have you found any other creative ways to reduce monthly spending due to improved technology or otherwise?

Thank you.

- Fatty
by Fat-Tailed Contagion
Mon Jan 07, 2013 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: What creative ways have you found to reduce monthly bills?
Replies: 66
Views: 3879

Re: Innovation that drives growth

Mariano Rivera throws a cutter.
by Fat-Tailed Contagion
Sat Jan 05, 2013 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Innovation that drives growth
Replies: 8
Views: 595

Re: WSJ Bogleheads Interview Up

James R. Meynard, executive director of the Georgia Firefighters' Pension Fund, pulled $46 million out of Artio in August and transferred the money to a global equity-index fund at State Street Global Advisers, severing a seven-year relationship. "They weren't picking the right companies,"...
by Fat-Tailed Contagion
Sat Jan 05, 2013 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ Bogleheads Interview Up
Replies: 2
Views: 854

Re: Specs for a Portable Laptop these days?

I purchased a Lenovo Thinkpad in August (T-430) and am pleased with it. It is very sturdy, has easy access to hard drives (there are 2 in in it, a msata running the OS and a regular spinning hd for storage. I bought the msata afterwards and installed it myself), battery, RAM, etc. They are designed...
by Fat-Tailed Contagion
Sat Jan 05, 2013 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Specs for a Portable Laptop these days?
Replies: 36
Views: 2856
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