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Re: TV show recommendations?

'Rectify' is extremely good. The plot sounds kind of melodramatic - guy gets off death row after 19 years - but the show is absolutely unique, with great writing and acting (especially the lead, who is mesmerizing). It is done by Ray McKinnon, the character actor probably best known as the preacher ...
by RustyShackleford
Fri Apr 17, 2015 9:07 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 329
Views: 146720

Re: intra-day TIPS prices

abuss368 wrote:I am continuing to learn more about this asset class.

It sure does seem to out of favor these days, at least in the forums that I frequent (this and Morningstar TIAA-CREF, primarily). But not out of favor in general I guess, judging by the yields.
by RustyShackleford
Sat Apr 04, 2015 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: intra-day TIPS prices
Replies: 4
Views: 508

intra-day TIPS prices

Is there a site that gives the real-time (or real-time delayed by a few minutes) prices of Treasury TIPS bonds ? I know about the WSJ page that is updated each day: http://online.wsj.com/mdc/public/page/2_3020-tips.html?mod=topnav_2_3000 And the Bloomberg page: http://www.bloomberg.com/markets/rates...
by RustyShackleford
Fri Apr 03, 2015 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: intra-day TIPS prices
Replies: 4
Views: 508

Re: TIPS versus TIAA Trad for fixed-income ?

Vanguard is recommending Total Bond and Total International Bond as a two fund solution for bond portfolios now. That seems like a pretty searing indictment of TIPS by a very respected source. ... the greater question is TIAA over bonds. I would generally prefer TIAA, but the whole portfolio needs ...
by RustyShackleford
Thu Mar 26, 2015 1:29 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS versus TIAA Trad for fixed-income ?
Replies: 14
Views: 822

Re: TIPS versus TIAA Trad for fixed-income ?

sawhorse wrote:How many years do you expect to work before retiring?

I'm retired. So far I'm living off cash. Not planning to annuitize T-C until probably when I start SS, thinking now 66yo (in 4 years).
by RustyShackleford
Wed Mar 25, 2015 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS versus TIAA Trad for fixed-income ?
Replies: 14
Views: 822

Re: TIPS versus TIAA Trad for fixed-income ?

My TIAA Traditional is in an RA "retirement account" (this is where I now hold about 1/3 of my FI, and the position I'd increase by selling TIPS at my brokerage and rolling the cash to T-C). This means it earns the highest (I believe) crediting rate, guaranteed to be 3% and currently 3.5% ...
by RustyShackleford
Wed Mar 25, 2015 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS versus TIAA Trad for fixed-income ?
Replies: 14
Views: 822

Re: TIPS versus TIAA Trad for fixed-income ?

Dutch wrote: I also like having the option to annuitize TIAA Traditional (at favorable terms).

Curious, what's so favorable about the terms under which one can annuitize TIAA Trad ?
by RustyShackleford
Wed Mar 25, 2015 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS versus TIAA Trad for fixed-income ?
Replies: 14
Views: 822

TIPS versus TIAA Trad for fixed-income ?

I'm a retiree looking at my fixed-income allocation. I'm wondering if I should sell some of my individual TIPS, and move the money into TIAA Traditional (a stable value fund earning 3% or more). Each is now roughly 1/3 my fixed-income allotment. (For those wondering how I'd manage this, the TIPS are...
by RustyShackleford
Wed Mar 25, 2015 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS versus TIAA Trad for fixed-income ?
Replies: 14
Views: 822

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

It's not clear if tax programs handle this without input from the user. I will go into Turbotax and pretend I have more FTC and see how much guidance it seems to require. I told Turbotax that my foreign-tax was $400 (filing "single") and it didn't seem difficult at all to get 1116 done. Y...
by RustyShackleford
Thu Mar 05, 2015 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 58
Views: 7410

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

Electron wrote:It's not clear if tax programs handle this without input from the user.

I will go into Turbotax and pretend I have more FTC and see how much guidance it seems to require.
by RustyShackleford
Thu Feb 26, 2015 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 58
Views: 7410

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

1. If I understand one of the topics discussed is whether it's allowable to claim only $300/600 of FTC, if you actually have more, because having to fill out Form 1116 will actually leave you with an even smaller credit. And the answer seems to be that it's not ok. Where you wrote "will actual...
by RustyShackleford
Wed Feb 25, 2015 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 58
Views: 7410

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

The issue is unlikely to matter, particularly near the $300/600 level; the example which started the thread requires $20,000 of foreign dividends. Sorry, I was thinking of the issue of your FTC being limited according to your overall tax rate. Historical data is useful, but I tend to use 7% as a ru...
by RustyShackleford
Wed Feb 25, 2015 12:32 am
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 58
Views: 7410

Re: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit

I haven't read the entire thread in detail, so apologies if I cover old ground, but ... 1. If I understand one of the topics discussed is whether it's allowable to claim only $300/600 of FTC, if you actually have more, because having to fill out Form 1116 will actually leave you with an even smaller...
by RustyShackleford
Tue Feb 24, 2015 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks in Taxable - Gotcha w/ foreign tax credit
Replies: 58
Views: 7410

Re: What is the best company to open a credit card with?

You say what is best company ... So I'd vote for Penfed, because they're a credit union, which means their duty is to their members, not to shareholders of a corporation. But my favorite card ? I love the Citi Double Cash I just got: 2% cash back (1.99% for the anal), minimal hoops to be jumped thro...
by RustyShackleford
Mon Feb 16, 2015 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best company to open a credit card with?
Replies: 22
Views: 3990

Re: 2015 Estimated Tax Payments

There's no need for you to worry or do anything about it. If you owe the IRS more than $1,000 ... This statement by itself can be a little misleading. Simply owing the IRS less than $1000 is not enough to avoid penalty, *IF* some of what you paid during the year was estimated taxes. IOW, if your to...
by RustyShackleford
Wed Feb 11, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Estimated Tax Payments
Replies: 6
Views: 528

Re: TurboTax turns off all state efiling to prevent fraud

I don't do state e-file anyhow, because it rankles me to pay to do it, when it's saving the state money. Actually, for the past few years I couldn't, due to some unusual tax credits.
by RustyShackleford
Fri Feb 06, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3382

Re: Variable Percentage Withdrawal (VPW)

I just came across this VPW spreadsheet. I have not read all 11 pages of postings, so sorry if these questions/comments are redundant. 1. I don't understand why you need to enter your actual withdrawal each year. It seems to me the only things that should matter, going forward, are your current port...
by RustyShackleford
Fri Feb 06, 2015 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 539
Views: 149133

Re: BIV versis VCSH ?

Thanks. I am just trying to simplify my portfolio a little - too many holdings. My FI also has a bunch of CDs, individual TIPS, PPT (chasing yield !!), and TIAA Traditional.
by RustyShackleford
Fri Jan 30, 2015 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: BIV versis VCSH ?
Replies: 7
Views: 323

Re: BIV versis VCSH ?

livesoft wrote:They have quite a bit different duration. What do you think is the best duration?

I would subsume your question into my original question.
by RustyShackleford
Fri Jan 30, 2015 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: BIV versis VCSH ?
Replies: 7
Views: 323

BIV versis VCSH ?

Any consensus on which of these (BIV or VCSH) is best - for a core holding in the fixed-income allocation of my portfolio ?
by RustyShackleford
Fri Jan 30, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: BIV versis VCSH ?
Replies: 7
Views: 323

Re: wrong coupon payment on Jan 2028 TIPS

Vanguard paid me interest at the rate of $9.8927 per $1,000 face value on Jan 15 for the U S TREASURY NOTE INFLATION INDEX NOTE CPN 1.75000 % MTD 2028-01-15 DTD 2008-01-15 Interesting. That would sem to give the lie to my broker's (not Vgd) assertion that it was the Treasury's mistake. It has still...
by RustyShackleford
Wed Jan 28, 2015 12:27 am
 
Forum: Investing - Help with Personal Investments
Topic: wrong coupon payment on Jan 2028 TIPS
Replies: 7
Views: 925

Re: wrong coupon payment on Jan 2028 TIPS

Vanguard paid me interest at the rate of $9.8927 per $1,000 face value on Jan 15 for the U S TREASURY NOTE INFLATION INDEX NOTE CPN 1.75000 % MTD 2028-01-15 DTD 2008-01-15 Interesting. That would sem to give the lie to my broker's (not Vgd) assertion that it was the Treasury's mistake. It has still...
by RustyShackleford
Tue Jan 27, 2015 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: wrong coupon payment on Jan 2028 TIPS
Replies: 7
Views: 925

Re: wrong coupon payment on Jan 2028 TIPS

I just got a call from my broker, whose fixed-income group is open now (closed on the weekend when I first called), and they agree now that the payment was wrong. He also said the fixed-income group "had a number of other tickets open" on this problem and are following up on it (presumably...
by RustyShackleford
Mon Jan 26, 2015 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: wrong coupon payment on Jan 2028 TIPS
Replies: 7
Views: 925

Re: wrong coupon payment on Jan 2028 TIPS

Got bored and called Schwab. The guy did not have the mojo to calculate the correct coupon payment and agree with me, but he was pretty assertive that what I see in my account is just what came from the Treasury, IOW that the mistake is the Treasury's, not the broker's. He'll have someone from the f...
by RustyShackleford
Sat Jan 24, 2015 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: wrong coupon payment on Jan 2028 TIPS
Replies: 7
Views: 925

Re: wrong coupon payment on Jan 2028 TIPS

That's correct, Rusty. Cf. 2015 TIPS Interest and OID and Jan 2028 TIPS History which show $9.8927 per $1,000 face value. Thanks for confirming. I don't own the Jan 2028 issue, but I own other TIPS that pay interest January 15th and my broker (Schwab) reported their interest correctly. In the past,...
by RustyShackleford
Thu Jan 22, 2015 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: wrong coupon payment on Jan 2028 TIPS
Replies: 7
Views: 925

wrong coupon payment on Jan 2028 TIPS

My brokerage does a weird thing where, when the biannual coupon payment on a TIPS comes, the wrong amount shows up, then it's reversed, and then the right amount shows up; I don't know why this happens, but it does, but the correct amount always wins. However, for the recent (1/15/2015) payment on t...
by RustyShackleford
Thu Jan 22, 2015 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: wrong coupon payment on Jan 2028 TIPS
Replies: 7
Views: 925

Re: why did my portfolio perform so badly in '14 ?

1. If you have the option of rolling tIRA dollars into your T-C RA contract, that would certainly be an easy way to increase your allocation to TRAD. I like that way of doing it better than my suggestion of opening a T-C IRA for holding TREA. (This is all assuming that you want/need a higher alloca...
by RustyShackleford
Wed Jan 21, 2015 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: why did my portfolio perform so badly in '14 ?
Replies: 13
Views: 3383

Re: why did my portfolio perform so badly in '14 ?

HB, thanks for hanging in there ... It seems to me like you have two primary suggestions (paraphrasing, of course): 1. "Given that I'm underweight in bonds (and overweight in cash), and that fixed-income options are generally unappealing, you feel I should try to get some more money into TIAA T...
by RustyShackleford
Wed Jan 21, 2015 1:13 am
 
Forum: Investing - Help with Personal Investments
Topic: why did my portfolio perform so badly in '14 ?
Replies: 13
Views: 3383

Re: why did my portfolio perform so badly in '14 ?

Thanks folks, for the replies. My first take-away is that it's reasonable that my portfolio performed so poorly, given it was only about 1/4 US equity and that's the only thing that really went up in 2014, whereas some other stuff, most notably commodities and foreign equities, went down a lot. No o...
by RustyShackleford
Tue Jan 20, 2015 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: why did my portfolio perform so badly in '14 ?
Replies: 13
Views: 3383

Re: switching main credit card

So just a followup to say I got the Citi Double Cash Card and I like it. It was easy to setup automatic bill payment from my bank account. It's easy to download transactions (for putting into Excel, whatever). Unless I misunderstand the way the 1+1% cash-back works, I don't see why you'd need to go ...
by RustyShackleford
Tue Jan 20, 2015 2:13 am
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

why did my portfolio perform so badly in '14 ?

So I just had a look at how my portfolio performed in 2014, and it seems pretty bad - given that it was a pretty good year for the stock market and my AA is about 50% stock. The end-2014 value is almost identical to the end-2013 value. I withdrew about 3% for spending and used about 1/2% to start a ...
by RustyShackleford
Tue Jan 20, 2015 1:30 am
 
Forum: Investing - Help with Personal Investments
Topic: why did my portfolio perform so badly in '14 ?
Replies: 13
Views: 3383

new commodity ETF PDBC

Looks like there's a new commodity ETF, ticker PDBC. At first, I thought it was just a different share class of DBC (which I hold at 5%, nominally, of portfolio). But though it's from PowerShares and related to commodities, it seems to be a fairly different beast, actively managed for one - though I...
by RustyShackleford
Fri Jan 02, 2015 1:33 am
 
Forum: Investing - Theory, News & General
Topic: new commodity ETF PDBC
Replies: 6
Views: 755

Re: Puerto Rico

Buysider wrote:Don't forget Arecibo:

http://www.naic.edu/

If you're into astronomy or Jodie Foster, worth the trip!

Definitely into both :-)

Yes, I forgot to mention, in a 7-day trip there was a LOT we did not see. Definitely plan to return.
by RustyShackleford
Tue Dec 23, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 2837

Re: Puerto Rico

Folks, we just returned from a great week-long trip to Puerto Rico. Here is "the top 20 things I learned": 1. The place is this weird limbo between being part of the USA and being separate. 2. The people are very friendly. And helpful. Out-of-their-way helpful. Can’t recall hearing sharp w...
by RustyShackleford
Tue Dec 23, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 2837

Re: switching main credit card

A few comments on this issue. First, I make more than $75/hr - lucky me. But, that's only when I work, and I'm not working now. Second, don't you have to log into the Citi website every month anyhow, to pay your bill ? That's one of the things I'll miss if Penfed ceases to be my main card, the autom...
by RustyShackleford
Sat Dec 13, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

As for chase, if you've only done it once you might slip under the radar, but if they sense a pattern they are not shy in shutting down accounts. Ok, well then, I guess that answers my short-term question: should I cancel my new Southwest VISA as soon as I get my 50,000 bonus ? No. Those points are...
by RustyShackleford
Wed Dec 10, 2014 1:33 am
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

A number of issuers have attempted to clawback miles if the card is closed within six months , but of course ymmv. In general I think the responsible churner would not want to draw attention to him/herself. When I call to cancel the cards I've had thus far (one Southwest VISA, at least three Delta ...
by RustyShackleford
Tue Dec 09, 2014 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

Maybe a SallieMae too, but not sure worth it to have another card just to save 3% extra (over the Citi 2%) on the small amount I spend on gas and grocs (GF buys grocs in lieu of rent, and I don't drive to office these days). Perhaps your gf should consider getting the Sallie Mae :D Dude, she is NOT...
by RustyShackleford
Tue Dec 09, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

woman's bathrobe gift

I hope this is reasonable for this forum. I'd like to get GF a new bathrobe and seeking recs. The only thing I've found thus far is: http://www.pajamagram.com/SellGroup/rubyvelourrobe.aspx Not sure it needs to be THAT sexy - almost anything will be an improvement over the one she has now :-( trust m...
by RustyShackleford
Tue Dec 09, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: woman's bathrobe gift
Replies: 7
Views: 852

Re: switching main credit card

Maybe a SallieMae too, but not sure worth it to have another card just to save 3% extra (over the Citi 2%) on the small amount I spend on gas and grocs (GF buys grocs in lieu of rent, and I don't drive to office these days). Perhaps your gf should consider getting the Sallie Mae :D Dude, she is NOT...
by RustyShackleford
Tue Dec 09, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

Thanks again, everyone - especially those who checked on my question about downloading transactions.
by RustyShackleford
Tue Dec 09, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

In summary, airline rewards cards are great when you get a 30-50k signup bonus and annual fee waived. Afterwards, you're best off with a ~2% cashback card. Well said ! I'm still working my way through signup bonuses, I am slightly bummed that I don't use my Sallie Mae card for gas because I need to...
by RustyShackleford
Tue Dec 09, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

I can't find anything that verifies for me that the Citi Double Cash is actually a MasterCard. Reports on FlyerTalk is that it is a MasterCard. Even if it's not, it would be a Visa (same level of acceptance) Edit: I just checked my Barclaycard account and you can download in Excel, Quicken, and Qui...
by RustyShackleford
Tue Dec 09, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

Wow, thanks so much for all the info and suggestions, folks ... On the Southwest, it looks like the 50K bonus is now gone. I don't think I qualify for the business card. I could the get the Plus, in addition to my current Premier, but it'd only be 25K; like someone said, maybe I should wait. The lin...
by RustyShackleford
Tue Dec 09, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

So the question is, what is your primary goal? Cash back, which is what your PenFed card gives, or travel rewards? My goal is maximizing my monetary benefit. For the purposes of this decision, let's assume I[m going to fully utilize the frequent-flyer miles for air travel that I'd otherwise purchas...
by RustyShackleford
Tue Dec 09, 2014 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

runner9 wrote:Is the Southwest card better than Fidelity AMEX, 2% back on everything?

Probably not, but since I don't have any accounts with Fidelity, I feel kind of like it' be the tail wagging the dog to open one just for that card.

Dunno about the BofA one, how does it work ?
by RustyShackleford
Tue Dec 09, 2014 12:24 am
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

midareff wrote:I have their Platinum Visa and they deduct the 5 percent for gas monthly. I only use it for gas. You might like BOFA's double cash card as a replacement.

You mean the direct-deduction version of the Penfed ? Yeah, I thought about retaining the Penfed for gasoline and maybe groceries.
by RustyShackleford
Tue Dec 09, 2014 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

The critical issue for getting the companion pass is all points earned have to be done in a calendar year. There are 2 personal cards (I believe one has a $69 annual fee, the other $99) and 2 business cards. If you get two of these cards (any combination) with the 50k bonus offer attached on each a...
by RustyShackleford
Tue Dec 09, 2014 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

Re: switching main credit card

when did you get the Southwest card and how much have you spent on it? It would have been better for you to get two southwest cards so that you could get a companion pass. It might not be too late, but you'd be cutting it very close on qualification. +1 Check the timing of your spending carefully. ...
by RustyShackleford
Mon Dec 08, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356

switching main credit card

I have been a loyal Penfed customer for years (starting with the awesome 6.25% APY CDs years ago). Their VISA has been my main credit card since then (1% cashback on everything, 2% on groceries, 5% on gasoline). But the card is gradually "eroding". For years, they just credited the cashbac...
by RustyShackleford
Mon Dec 08, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 59
Views: 11356
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