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Re: gold , silver, copper and uranium only

cowboysFan wrote:How enriched is your uranium? Do you stockpile it at home?


That's not safe, unless you also invest in lead (you could also use steel or hydrogenous fluids, but you'll need greater quantities).

Keep it under 20%, unless you want international inspectors messing with your portfolio.
by SteelyEyed
Tue Apr 15, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2244

Re: gold , silver, copper and uranium only

My wage income is too closely tied to uranium, so I do not invest in it. It's the high correlation and all -- think working at Enron and investing in Enron at the same time. It's fun stuff though!
by SteelyEyed
Mon Apr 14, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2244

Re: Mouse/Rat traps

I am always trying to build a better mousetrap.
by SteelyEyed
Tue Mar 11, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 1781

Re: Vanguard files for active fund ETFs

Maybe they will have a FTSE ex-US Small Cap Index w/RBD Management ETF.
by SteelyEyed
Fri Mar 07, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard files for active fund ETFs
Replies: 21
Views: 1532

Re: 17.6 year stock market cycle

I prefer a 17.5 year cycle.
by SteelyEyed
Wed Jan 15, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2593

Re: Penfed 5% gas cash back card - ending?

My USAA MC is granting a 5% bonus for gas purchases in 2014 so I have designated that as my CC of choice for the year for those purchases. I notice that my DC is also passing out 5% rebates for the first quarter of the year also. I don't use that much gasoline anyway. Say-wha-huh??? :?: I haven't s...
by SteelyEyed
Wed Jan 15, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Penfed 5% gas cash back card - ending?
Replies: 20
Views: 1600

Re: HSA Questions

If you reach the income limit ($117K in 2014) for SS tax, the savings is about $100 (medicare only). Correct? Yes, this is correct. While more SS is deducted early in the year because you aren't contributing to the HSA by payroll deduction, you will reach the limit faster, so your total SS tax will...
by SteelyEyed
Thu Jan 09, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Questions
Replies: 13
Views: 1112

Re: Vanguard 2013 Year-End Distributions

letsgobobby wrote:If I'm reading it right it looks like 2013 fourth quarter distributions are approximately half of 2012, in VTI, VXUS, VEU, and VOO. Fiscal cliff stuff from last year, per livesoft?


It probably has to do with Vanguard shifting its international funds to a quarterly dividend schedule.
by SteelyEyed
Mon Dec 09, 2013 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard 2013 Year-End Distributions
Replies: 36
Views: 4419

Fun with HSAs

Well, it's HDHP/HSA question season, so I though that I would add one more to the mix. Another thread had me thinking about arranging HDHPs to use multiple HSAs. For spouses, it was established that as long each person is not covered by the other's plan, and a child was placed on one of the plans, t...
by SteelyEyed
Mon Nov 04, 2013 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fun with HSAs
Replies: 7
Views: 874

Re: HSA extra funding

Deleted by poster.
by SteelyEyed
Mon Nov 04, 2013 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA extra funding
Replies: 9
Views: 765

Re: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)

I'm feeling lazy so will ask - has anyone made or seen a calculator that computes whether you should sell old I-Bonds (held more than 12 mos) that had the 0% fixed to buy new ones at 0.2%? The calculation would need to consider the 3 months forfeited interest as well as the tax hit. If the tax both...
by SteelyEyed
Fri Nov 01, 2013 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)
Replies: 94
Views: 7130

Re: International as a percentage of your [equities]?

What do I know? A lot of it has to do with the dollar vs other currencies. Besides, US companies do business overseas and foreign companies do business here. I'm 50/50. It's less than market cap, but greater than VG's recommendation. I figure it will work out.
by SteelyEyed
Sat Oct 19, 2013 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: International as a percentage of your [equities]?
Replies: 24
Views: 1801

Re: VG funds merging and other related fund news

I just checked the website, and it allowed me to convert from VGXRX to VGRLX (Global ex-US Real Estate). That was quick and easy.
by SteelyEyed
Thu Oct 17, 2013 10:59 am
 
Forum: Investing - Theory, News & General
Topic: VG funds merging and other related fund news
Replies: 69
Views: 6679

Re: VG funds merging and other related fund news

I am happy to see Admiral shares offered for the International REIT Index fund. However I was hoping for the purchase/redemption fee to be removed and the expense ratio to decline as fund assets have now risen to $1.3 billion. Assuming that you were using Investor shares, you will see a decline in ...
by SteelyEyed
Thu Oct 17, 2013 12:20 am
 
Forum: Investing - Theory, News & General
Topic: VG funds merging and other related fund news
Replies: 69
Views: 6679

Re: Anyone has experience with Ally bank?

Besides the interest rates, I like their ACH. You can initiate push and pull transfers from the Ally website. Also, the per transaction/day transfer limits are quite high. With my old bank, I could only move $5,000 per day. At Ally, it is $100k - $200k, depending on the type of transfer, I think. I...
by SteelyEyed
Mon Sep 23, 2013 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone has experience with Ally bank?
Replies: 27
Views: 2730

Re: Anyone has experience with Ally bank?

Besides the interest rates, I like their ACH. You can initiate push and pull transfers from the Ally website. Also, the per transaction/day transfer limits are quite high. With my old bank, I could only move $5,000 per day. At Ally, it is $100k - $200k, depending on the type of transfer, I think. I ...
by SteelyEyed
Sun Sep 22, 2013 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone has experience with Ally bank?
Replies: 27
Views: 2730

Re: Feeling like one of those 500 point market drop days soo

So, at what point do you decide to tax loss harvest? Is it at a certain percentage loss or a certain dollar amount loss?
by SteelyEyed
Mon Apr 15, 2013 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling like one of those 500 point market drop days soon
Replies: 31
Views: 4633

Re: best way to sell gold ring

You could make a scary commercial on a cable news channel about how fiscal and monetary policies are destroying the dollar and how gold is the bestest guaranteed hedge/store or value ever. Then sell it to somebody for 120% of its value. Profit!
by SteelyEyed
Thu Apr 04, 2013 2:28 pm
 
Forum: Personal Consumer Issues
Topic: best way to sell gold ring
Replies: 10
Views: 1084

Re: Second Tier Emergency Funds...CDs or I Bonds?

I did consider putting all 60K of emergency funds in Barclays 1% online savings account, but instead I'm probably going to do 40K in Barclays 1% online savings account and 20K in Barclays 5-yr CDs at 1.85% (10K per CD, with 3 month penalty if there is an unplanned event requiring me to liquidate a ...
by SteelyEyed
Thu Mar 14, 2013 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Second Tier Emergency Funds...CDs or I Bonds?
Replies: 9
Views: 903

Re: Ally bank rate reduction to 0.84%

Steelyeyed, Just curious how VMLUX fits into your plan (emergency fund, short term savings, etc)? As far as an emergency fund goes, it's hard to beat the convenience of Ally. Hi ivesjl, I've reached the point where I don't technically have an emergency fund in the sense of having cash set aside spe...
by SteelyEyed
Wed Mar 13, 2013 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ally bank rate reduction to 0.84%
Replies: 45
Views: 4778

Re: Ally bank rate reduction to 0.84%

Maybe it's time to move to VMLUX (VG Limited-Term Muni Bond).
by SteelyEyed
Wed Mar 13, 2013 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Ally bank rate reduction to 0.84%
Replies: 45
Views: 4778

Re: 529 and ESA which one to tap first?

You may want to check your state's rules on rollovers and deductions. In my state, I can rollover an ESA to a 529 and deduct the full amount from state income.
by SteelyEyed
Tue Mar 05, 2013 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 and ESA which one to tap first?
Replies: 3
Views: 192

Who Has VFSNX (FTSE ex-US Small Institutional)

In another thread, somebody was looking for an alternative to VSS due to the inability to make recurring purchases. The Investor shares version (VFSVX) was ruled out due to the expenses. As an alternative, I thought that the OP might lobby his/her employer for access to VFSNX. Its ER is one-half tha...
by SteelyEyed
Wed Feb 13, 2013 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who Has VFSNX (FTSE ex-US Small Institutional)
Replies: 0
Views: 202

Re: Mutual Fund Alternatives to VSS (Vanguard Interna Small

Get your employer to offer Institutional shares (VFSNX). The ER is only 0.25% (half of the investor shares' ER). Some employers cover "loads" as well. Maybe you can get them to cover the 0.50% purchase fee. I've had some success in the past affecting our fund lineup. This fund is on my wis...
by SteelyEyed
Wed Feb 13, 2013 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Alternatives to VSS (Vanguard Interna Small Cap)
Replies: 20
Views: 1603

Re: Dollar Bill Smaller in Both Dimensions

I recently noticed that one specific dollar bill dated 2009 in my wallet was shorter than all the rest. The normal specification for a dollar bill is approximately 6.14" x 2.61". After careful measurement of several bills, I found that the bill in question is about 0.10" shorter in w...
by SteelyEyed
Wed Feb 06, 2013 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Dollar Bill Smaller in Both Dimensions
Replies: 20
Views: 2813

Re: "No, there probably isn't a bond bubble"--Neil Irwin

As an example VBMFX 29.7B in 2008, 19.5B in 2009, to 11.8B in 2012. I think that you are only looking at the Investor class net assets. Total Bond Market (Investor/Signal/Institutional/ETF) has $116.7B in net assets. I'm not sure where to get past figures, but that might change whether or not it lo...
by SteelyEyed
Tue Feb 05, 2013 1:46 am
 
Forum: Investing - Theory, News & General
Topic: "No, there probably isn't a bond bubble"--Neil Irwin
Replies: 47
Views: 4393

Re: AMT Avoidance

I am basically a wage earner not doing anything unique or extraordinary to reduce my taxes under the regular system. I do not think I am the person the AMT originally was designed to affect. I think that's true. We get hit hard with AMT because we are blessed with generous salaries and pay pretty s...
by SteelyEyed
Fri Feb 01, 2013 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: AMT Avoidance
Replies: 12
Views: 1250

Re: vanguard total international and intl value?

Make sure that you want a value tilt. If you do, then just use iShares' EFV. It is not perfect, but it is about as close as you'll get and is easily accessible. If you have access to it, then take a look at DFA's DFIVX. I don't have access to it, so I use EFV.
by SteelyEyed
Thu Jan 31, 2013 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: vanguard total international and intl value?
Replies: 9
Views: 751

Re: New 401(k) "Save the Max" Calculator

Why would anyone care about the percentage ? :confused Not all HR departments allow one to contribute fixed dollar amounts. Mine does not. I have to figure the percentage myself. If you are not salaried, this can be bothersome, especially if your pay fluctuates wildly due to bonuses, overtime, etc.
by SteelyEyed
Fri Jan 25, 2013 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) "Save the Max" Calculator
Replies: 27
Views: 2262

Re: Retiree Medical Savings Account (RMSA)

...blatant self-bump since I posted this late at night and it may have been missed.
by SteelyEyed
Thu Jan 17, 2013 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Medical Savings Account (RMSA)
Replies: 4
Views: 1112

Retiree Medical Savings Account (RMSA)

Hello everyone, I have a traditional medical insurance plan through my employer, use the FSA, and there is no HDHP/HSA option. My employer is now offering a Retiree Medical Savings Account (RMSA). There is a $4k/yr contribution limit. After one turns 40, there is a 50% match (I am younger than that ...
by SteelyEyed
Thu Jan 17, 2013 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Medical Savings Account (RMSA)
Replies: 4
Views: 1112

Re: [Coverdell Education Savings Account - Where to Invest?]

MachuPicchu, I believe Charles Schwab offers these accounts. FWIW, I've been looking into opening a Coverdell for my two-year-old. We already have a Vanguard 529 for her college expenses. We want a Coverdell since we are leaning ever more toward private school and 529s cannot be used for those expe...
by SteelyEyed
Mon Jan 14, 2013 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Coverdell Education Savings Account - Where to Invest?]
Replies: 8
Views: 695

Re: any changes to backdoor ROTH in 2013?

Alright, for all of you out there who like to make lump sum contributions to max out IRAs on the first trading day of the year: given today's gains, are you indulging in a little market timing, and waiting to make your contributions/conversions?
by SteelyEyed
Wed Jan 02, 2013 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: any changes to backdoor ROTH in 2013?
Replies: 28
Views: 2990

Re: Has anyone given up on rewards checking?

Can I open accounts (Mango/Unionplus/BBVA) in my name and in my wife's name and fund them from the same source? This could double the benefit. Yes. Thanks, I'll do that. My tax rate is getting higher, so all of this interest will be taxed at 33% (35% depending on AMT, I think). Perhaps the remainde...
by SteelyEyed
Sun Dec 02, 2012 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone given up on rewards checking?
Replies: 24
Views: 1974

Re: Has anyone given up on rewards checking?

There are a few more efficient ways to earn extra $250/yr without worrying about using your debit card 10 times per month or tying as much principal. Mango prepaid is one. BBVA savings is another. I'm currently working on a 3rd one. tfb, Can I open accounts (Mango/Unionplus/BBVA) in my name and in ...
by SteelyEyed
Sun Dec 02, 2012 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone given up on rewards checking?
Replies: 24
Views: 1974

Re: Has anyone given up on rewards checking?

Thanks for the responses everyone. Nisi, yes I will probably just stick with it for the time being. The rates are comparatively good. It requires a little tracking, but I use the two cards to pay all of my online bills and fulfill the remaining requirements with a few small purchases. I don't use th...
by SteelyEyed
Sun Dec 02, 2012 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone given up on rewards checking?
Replies: 24
Views: 1974

Has anyone given up on rewards checking?

Hi everybody, I have been using rewards checking for about two years now. I even opened an account at a second bank. The interest rates have fallen (as they have everywhere) and I'm just about ready to stop going through the hassle of making all of the small purchases in order to satisfy the require...
by SteelyEyed
Sat Dec 01, 2012 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone given up on rewards checking?
Replies: 24
Views: 1974

Re: ameritrade commision free ETFs, downside??

I have this through the self-directed brokerage half of my 401(k). I have used it for about a year, only purchasing funds that are on the list in order to meet my AA, which was not possible using the mutual fund options in the regular 401(k). I have been very happy to have this ability and I have no...
by SteelyEyed
Thu Nov 29, 2012 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: ameritrade commision free ETFs, downside??
Replies: 17
Views: 1596

Re: Roth, Lending club, what's next?

Mar, Welcome to the forum. It sounds as though you are enlisted. How long before you leave the military? If you're not getting out until a few months before school starts, then I would live off your savings (if necessary) and contribute heavily to a Roth TSP. It would be great to stash away some mon...
by SteelyEyed
Wed Nov 14, 2012 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth, Lending club, what's next?
Replies: 6
Views: 612

Re: When does Taxcaster for the new year appear?

Thanks for posting that dickenjb. I was assuming that it was showing me in AMT territory for the first time due to the lack of a patch. Time to make some changes...
by SteelyEyed
Tue Nov 13, 2012 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: When does Taxcaster for the new year appear?
Replies: 27
Views: 2289

Re: After-Tax 401k and Discrimination Testing

Thanks tfb. Our company is a bit top-heavy, so I would understand if it might cause a problem, since it is mostly the highly compensated employees that would make use of the option.
by SteelyEyed
Sat Oct 27, 2012 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: After-Tax 401k and Discrimination Testing
Replies: 2
Views: 232

After-Tax 401k and Discrimination Testing

Hi BHs, I asked this in another thread, but moved it here so as not to threadjack. I made a proposal to my company that it allow after-tax 401k contribution and in-service withdrawals/rollovers. They have not yet decided, but intimated that the greatest obstacle might be the new option's affect on t...
by SteelyEyed
Sat Oct 27, 2012 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: After-Tax 401k and Discrimination Testing
Replies: 2
Views: 232

Re: Does Your 401k Allow (Non-Roth) AFTER-TAX Contributions?

Mine does not, though I am working on getting both options added.
by SteelyEyed
Fri Oct 26, 2012 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Does Your 401k Allow (Non-Roth) AFTER-TAX Contributions?
Replies: 27
Views: 2625

Re: Bad information? Roth IRA and TSP limits.

What you are relating is in fact wrong. If what he said was that your TSP and ROTH TSP contributions are limited to a total of $17,000 (for 2012), then he was right.

If the former, then fire him.
by SteelyEyed
Fri Oct 19, 2012 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad information? Roth IRA and TSP limits.
Replies: 8
Views: 1288

Re: Who invests in only 1 bond fund?

I use only one bond fund (VBTSX) in my 401k. My IPS calls for something a little different, but availability limitations led me to prefer getting exactly what I wanted in my equities as opposed to my bonds. I think that that is more important.
by SteelyEyed
Sat Oct 13, 2012 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Who invests in only 1 bond fund?
Replies: 63
Views: 6025

Re: Vanguard "Signal" Funds

I got HR to move from Investor Shares to Signal Shares in our 401k. Our plan doesn't have the assets for Institutional yet -- it's a new company. Anyway, it is nice to have access to at least Admiral Share-like ERs in the 401k. That is better than most.
by SteelyEyed
Sat Oct 13, 2012 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Signal" Funds
Replies: 3
Views: 579

Re: Timing I-Bond Purchase

#Cruncher and Mel, thank you. I'm not planning on doing anything. The fact may give some psychological benefit to anybody that needs to redeem at that time, if this composite rate reappears.
by SteelyEyed
Tue Sep 25, 2012 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Timing I-Bond Purchase
Replies: 36
Views: 3098

Re: Timing I-Bond Purchase

If the compound rate does go to 0%, does that mean that the penalty for redeeming I-Bonds that are >1 and <5 years old will be $0 during that six months?
by SteelyEyed
Tue Sep 25, 2012 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Timing I-Bond Purchase
Replies: 36
Views: 3098

Re: Are there any Bogleheads that are Hunters?

True total market Bogleheads do not hunt. Only the slice-and-dicers do so.
by SteelyEyed
Tue Sep 18, 2012 10:41 am
 
Forum: Personal Consumer Issues
Topic: Are there any Bogleheads that are Hunters?
Replies: 27
Views: 1025

Re: Fed impact on which bond funds

The Fed keeps making me feel dumb. I have a lot of cash put away for a home purchase in a few years. I keep doing the safe thing and using online savings accounts and rewards checking accounts, losing money to inflation while the people taking risk in bonds keep getting rewarded.
by SteelyEyed
Fri Sep 14, 2012 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Fed impact on which bond funds
Replies: 26
Views: 1823
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