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Re: Tell me why I shouldn't buy individual muni bonds

I agree with you about the bid/ask issue. If I did buy some individual bonds, I'd buy them when they're offered and hold them to maturity. Assuming efficient markets, wouldn't the price of the bonds and their interest rates reflect all of the hidden gotchas? Would fund buyers to be able to get bett...
by Sidney
Tue Jul 29, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tell me why I shouldn't buy individual muni bonds
Replies: 31
Views: 1837

Re: Do Bogleheads Ladder CDs Anymore?

I didn't answer. I inferred that you were thinking of still although you didn't use the word. Since I never did, I can neither still nor not still. Or was your question one for the collective and not for the individual? If your question was for the collective, you can count my vote as no, not now, ...
by Sidney
Sun Jul 27, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads Ladder CDs Anymore?
Replies: 25
Views: 2364

Re: What is it like to live in Charlottesville, VA?

This will give you and idea on averages

http://www.weather.com/weather/wxclimat ... h/USVA0143

Warm and humid in the summer - not as bad as DC
by Sidney
Sat Jul 26, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: What is it like to live in Charlottesville, VA?
Replies: 20
Views: 1816

Re: What is it like to live in Charlottesville, VA?

Right now it is 80 degrees and mostly cloudy.
by Sidney
Sat Jul 26, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: What is it like to live in Charlottesville, VA?
Replies: 20
Views: 1816

Re: Experimenting with LibreOffice Calc [Importing fund pric

LadyGeek wrote:^^^ You also don't have any privacy...

If you use a separate Google account with nothing linking it to your name, who will know what about you?
by Sidney
Sat Jul 26, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Experimenting with LibreOffice Calc [Importing fund prices]
Replies: 15
Views: 685

Re: Better to not rollover 401k to IRA for better protection

Thanks hoppy. I have just rolled over the 401k into an existing IRA. I'm not sure if the existing IRA was pretax as the amount is from years ago. Is there a way to check? Thanks again for your guidance. John If the IRA was pre-tax you should be able to reconcile the contributions on your statements...
by Sidney
Sat Jul 26, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Better to not rollover 401k to IRA for better protection?
Replies: 16
Views: 1039

Re: Experimenting with LibreOffice Calc [Importing fund pric

Why not change it to Google Docs? Then you have revision control and cloud backup.
by Sidney
Sat Jul 26, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Experimenting with LibreOffice Calc [Importing fund prices]
Replies: 15
Views: 685

Re: RMD's

brak wrote: And where can I find some good reading on how RMDs work

I would start with IRS Publication 590 which is available via the IRS web site

www.irs.gov
by Sidney
Sat Jul 26, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: RMD's [Required Minimum Distributions]
Replies: 11
Views: 1057

Re: Android smartphone with physical keyboard

Even for texting, if you send lots of them, a physical keyboard is far superior in my experience. It took me a little while to convert from a Blackberry physical keyboard but eventually I got used to the virtual KB. The key for me was to really lighten up the touch. Also, my screen protector provid...
by Sidney
Fri Jul 25, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1757

Re: POLL: Do you own corporate bonds?

I own them as part of Investment Grade funds. But that wasn't an option in the poll.
by Sidney
Fri Jul 25, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2102

Re: Gardening question

We just get a bag of top soil, throw in a little sand and peat moss (or compost if we have it) and mix it well. Seems to do fine.
by Sidney
Thu Jul 24, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: Gardening question
Replies: 6
Views: 676

Re: 35K maximum retirement contribution a year for a person?

DonCamillo wrote:But when I stop working, the RMD will be substantial.


Unless you stop early and convert out to ROTH for a while.
by Sidney
Tue Jul 22, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35K maximum retirement contribution a year for a person?
Replies: 16
Views: 1446

Re: If Argentina Defaults

You might be better off investing it in Argentinian wine. Even if it doesn't appreciate in value, you can always drink it.
by Sidney
Tue Jul 22, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: If Argentina Defaults
Replies: 21
Views: 1991

Re: 35K maximum retirement contribution a year for a person?

Wow, so that means I will pay very little in taxes if any since I only make 42K. Because after pension, health insurance and other stuff nothing left to tax. You have no living expenses??????????? Taxable accounts maybe. I put away 90% of my pre-tax during my part-time years prior to full retirement.
by Sidney
Tue Jul 22, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35K maximum retirement contribution a year for a person?
Replies: 16
Views: 1446

Re: P/E Ratio: How do YOU interpret/use it?

Rodc wrote:In retirement it might have some value in that when something like P/E10 is high be careful about how much you sell to generate income because the size of your portfolio just might be artificially high.

So you think buying low and selling high is a bad idea?
by Sidney
Tue Jul 22, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1351

Re: P/E Ratio: How do YOU interpret/use it?

gkaplan wrote:I don't interpret it, and I don't use it.

This
by Sidney
Tue Jul 22, 2014 8:25 am
 
Forum: Investing - Theory, News & General
Topic: P/E Ratio: How do YOU interpret/use it?
Replies: 26
Views: 1351

Re: how often do you look at your account

I'm surprised to see so many people checking frequently due to concerns about fraud. Has there been a lot of fraud with Vanguard accounts being accessed without authorization? I didn't realize that was a significant issue. It only takes 15-30 seconds. I try to check banks, credit cards etc a couple...
by Sidney
Mon Jul 21, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3588

Re: Vanguard Client Dispute Resolution Dept.

client -p wrote:That's why I was just trying to find out if anyone else's had a similar experience to mine at VGd or has suggestions about how to address it.

Almost impossible to say since you have told us virtually nothing about it.
by Sidney
Mon Jul 21, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Client Dispute Resolution Dept.
Replies: 10
Views: 1619

Re: how often do you look at your account

I go in twice a month. Once mid-month to check if there are any transactions that aren't mine. Again at the end of the month to sell something to pay bills next month.
by Sidney
Mon Jul 21, 2014 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3588

Re: Value Overvalued

Aren't these the same guys that are at the top of this list?

Taylor Larimore wrote:Bogleheads:

It is dangerous to use bank investment recommendations:

Bank Settlements in BILLIONS of dollars

Best wishes
Taylor
by Sidney
Mon Jul 21, 2014 12:44 am
 
Forum: Investing - Theory, News & General
Topic: Value Overvalued
Replies: 23
Views: 2288

Re: Can I retire early?

Does my strategy with fixed income "allow" me to continue a higher risk asset allocation? Should I extend the ladder as each matures (my tax bracket will fall in retirement)? Or should I "glide" now to 60/40? My feeling is that I will have a 35 year retirement and it is too earl...
by Sidney
Sun Jul 20, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 28
Views: 3915

Re: Wife has no retirement options- is breadwinner

Don't underestimate the value of tax-efficient after-tax investments.
by Sidney
Thu Jul 17, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3227

Re: Hints on Tri-Tip

I assumed he fat-fingered the numbers and meant 125. I don't even cook pork anywhere near 155. Only a bird to 155.
by Sidney
Wed Jul 16, 2014 11:08 pm
 
Forum: Personal Consumer Issues
Topic: Hints on Tri-Tip [Cooking]
Replies: 29
Views: 2137

Re: Where to park windfall

I'd be inclined to dump it in ST Tax Exempt and/or Ltd Term TE (one or the other or a blend). It is all going to eventually be in riskier investments so it isn't like the short term risk is higher than the risk being taken later.
by Sidney
Wed Jul 16, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to park windfall
Replies: 9
Views: 1454

Re: VCAIX

The YTD return is irrelevant. The SEC yield on this fund is 1.72%. Can you please explain the difference? I'm a newbie! thanks It's not money that would be needed in the next 5 years necessarily. Sure, the YTD return is what the fund has produced in total return since the beginning of the year. Som...
by Sidney
Mon Jul 14, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: VCAIX
Replies: 5
Views: 323

Re: VCAIX

The YTD return is irrelevant. The SEC yield on this fund is 1.72%. Keep in mind that the fund has a duration of nearly 5 years so there is moderate interest rate risk. My "rule of thumb" for fixed income investments is that my time line for needing the money should be at least 2 times the ...
by Sidney
Mon Jul 14, 2014 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: VCAIX
Replies: 5
Views: 323

Re: Is There Need for Plan 'C' (Inverse of Plan B)?

Plan C involves giving away assets.
by Sidney
Sun Jul 13, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Is There Need for Plan 'C' (Inverse of Plan B)?
Replies: 12
Views: 1059

Re: Retiring soon setting aside 3 years living expenses

freebeer wrote:Sure you would pay some cap gains tax in that case but so what,

Plus, if you were harvesting losses over the last decade when they were there for the plucking, you might not even have a taxable CG.
by Sidney
Sun Jul 13, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring soon setting aside 3 years living expenses
Replies: 49
Views: 5262

Re: Cheapest Win7 image backup media solution?

If you have another computer with a lot of HD space available, you can network them and blow the image across the network to the other computer. I've done this. This is a little slower than a USB drive but it works.
by Sidney
Sun Jul 13, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Cheapest Win7 image backup media solution?
Replies: 8
Views: 567

Re: Retiring soon setting aside 3 years living expenses

But when you spend the income from the income producing funds, you are liquidating those assets.
by Sidney
Sat Jul 12, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring soon setting aside 3 years living expenses
Replies: 49
Views: 5262

Re: True or False? Your risk tolerance only increases with t

I don't view risk tolerance as being related to enjoyment. I always considered my HC situation when investing. At one point early in my career I came close to participating in an LBO that would have involved a lot of sweat equity. I changed my allocation before the negotiations started and then chan...
by Sidney
Fri Jul 11, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: True or False? Your risk tolerance only increases with time
Replies: 30
Views: 2346

Re: True or False? Your risk tolerance only increases with t

Risk Tolerance should decrease with age -- human capital is being depleted -- ability to make up for miscues or market conditions is reduced,. On the other hand, if you continue to train yourself, take different assignments that increase your skills and worth, your human capital might actually incr...
by Sidney
Fri Jul 11, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: True or False? Your risk tolerance only increases with time
Replies: 30
Views: 2346

Re: Teaching Kids the Rules of Investing.

At an early age, the single most important thing to understand is SAVINGS. If you master the act of saving (or the ability to pay yourself first), the rest will follow nicely. One of the keys to this is the time value of money. A friend of mine sometimes offers his kids an advance on their future a...
by Sidney
Fri Jul 11, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: Teaching Kids the Rules of Investing.
Replies: 17
Views: 2001

Re: Changes to Vanguard Balance and Personal Performance tab

mickeyd wrote:I'm more interested in what my Vanguard portfolio looks like 10 years from now rather that 10 years ago.

If you had a DeLorean you could go back and pick better investments. If you don't have a DeLorean, that must mean that you never will ... I think.
by Sidney
Thu Jul 10, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Changes to Vanguard Balance and Personal Performance tabs
Replies: 18
Views: 2098

Re: Vanguard Internet

letsgobobby wrote:because I made her

Not a phrase I would use.
by Sidney
Thu Jul 10, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Internet
Replies: 23
Views: 2712

Re: IRS limits direct deposts of refunds to fight Identity T

Interesting problem for the IRS. It doesn't seem to solve the problem. They could hold up all refunds or all refunds over $X dollars until April 15th to see duplicate filings- but that might bring torches and pitchfork crowds. How about holding up/verifying when the direct deposit bank routing/acco...
by Sidney
Thu Jul 10, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3357

Re: Changes to Vanguard Balance and Personal Performance tab

I have statements that go back to when I opened my account. Now that the tax basis was reset during the 2008-09 great TLH opportunity, I'm not sure why I need them.
by Sidney
Thu Jul 10, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Changes to Vanguard Balance and Personal Performance tabs
Replies: 18
Views: 2098

Re: $47,000 cash now or $330 per month for life

Price a SPIA and you will get a good answer.
by Sidney
Wed Jul 09, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: $47,000 cash now or $330 per month for life
Replies: 33
Views: 4958

Re: Vanguard Internet

i don't know what the answer is. clark howard recommends using a separate computer that is dedicated ONLY to accessing financial accounts. no surfing. no email. sounds like a good idea to me although admittedly i don't do it. yet. Really don't need a separate computer. Use a VM or a bootable Linux ...
by Sidney
Wed Jul 09, 2014 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Internet
Replies: 23
Views: 2712

Re: What finance experts do you follow on Twitter?

hiddensee wrote:Large quantities of short, imprecise statesments delivered over an extended time period seems like the worst possible way to talk about finance. Or really most things worth talking about.

Plus, time slices on Twitter are in minutes and investment horizon is in decades.
by Sidney
Wed Jul 09, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 35
Views: 4634

Re: Erasing hard disk that have died

It's amusing that most of the physical methods mentioned in this thread are far less effective than even 1 pass from software. I have seen data recovered from drives left in water and drives with lots of holes drilled in them. The only solution seems to be to build a giant slingshot and fire that t...
by Sidney
Tue Jul 08, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3309

Re: Do you deviate from the owner's manual?

For oil changes, if I am putting a lot of highway miles on the car, I will usually push the mileage beyond the recommended interval.
by Sidney
Tue Jul 08, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Do you deviate from the owner's manual?
Replies: 35
Views: 3168

Re: POLL: Are You Re-Balancing?

I have never been a systematic rebalancer. In 2007 I started to get nervous and shifted new 401k contributions heavily to bonds, something that really took a lot of the sting out of the crash. I have again been letting things ride since then and just this month got nervous enough to take a some of ...
by Sidney
Tue Jul 08, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4975

Re: Individual Asset Volatility and Portfolio Rebalancing

I think rebalancing "rules" and "bands" are a waste of time, as is a 5% allocation to anything. Own a significant amount (15%+) of a few asset classes, check your portfolio once in a while, and if it feels like you're out of balance, rebalance. I have to disagree. Rebalancing wh...
by Sidney
Sun Jul 06, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual Asset Volatility and Portfolio Rebalancing
Replies: 9
Views: 389

Re: Vanguard - Energy Fund

I own a small amount from years ago. Would not buy it today. This will probably get dumped in my DAF at some point.
by Sidney
Wed Jul 02, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard - Energy Fund
Replies: 31
Views: 3826

Re: Advice on redesigning my parents' retirement portfolio

Did they explicitly ask for your help?


What was the answer?
by Sidney
Mon Jun 30, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on redesigning my parents' retirement portfolio
Replies: 16
Views: 1095

Re: do you lie about your finances to friends

pennstater2005 wrote:I avoid finance discussions such as that like the plague.

Same here. Nobody has ever asked. Not even family members.
by Sidney
Mon Jun 30, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 8971

Re: The Millionaire Next Door: Are You One?

Not totally reliable, but if the said neighbor explicitly tells you they were given a gaggle of stock options in their company and you know the stock has appreciated considerably - well that is one indicator. The other indicator is vacation travel to places that cost $$$. Owning a Benz outright is ...
by Sidney
Mon Jun 30, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22437

Re: Financial tracking SW

I was referring to investments, not software. Actually, about all I keep track of anymore is tax basis. Been a long time since I've had to monitor unrealized losses. For AA I just look at the little pie chart on the VG homepage.
by Sidney
Fri Jun 27, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Financial tracking SW
Replies: 7
Views: 610
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