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Re: buy I-bonds now or wait after May 1?

Updated:

Sept 2013 CPI-U - 234.149 (baseline for next six month measurement period)
Feb. 2013 CPI-U - 234.781 (0.27%)
by amfox1
Wed Mar 26, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: buy I-bonds now or wait after May 1?
Replies: 50
Views: 9221

Re: buy I-bonds now or wait after May 1?

Keep in mind that, based on the last three months CPI-U, the next I-bond interest would be negative and offset the fixed 0.2% (but not below zero). Sept 2013 CPI-U - 234.149 (baseline for next six month measurement period) Oct. 2013 CPI-U - 233.546 Nov. 2013 CPI-U - 233.069 Dec. 2013 CPI-U - 233.04...
by amfox1
Sat Feb 22, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: buy I-bonds now or wait after May 1?
Replies: 50
Views: 9221

Re: Will Vanguard Asset Management keep legacy assets?

I know I should be asking VG this question, but nobody will call me back! We (primarily my spouse) have a portfolio (mostly inherited/gifted) with about $800K in gains.(no step up) Presently it is being "managed" by a large bank trust department. ( and has been for 40 years, and yes it is...
by amfox1
Thu Jan 30, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard Asset Management keep legacy assets?
Replies: 3
Views: 511

Re: buy I-bonds now or wait after May 1?

Keep in mind that, based on the last three months CPI-U, the next I-bond interest would be negative and offset the fixed 0.2% (but not below zero). Sept 2013 CPI-U - 234.149 (baseline for next six month measurement period) Oct. 2013 CPI-U - 233.546 Nov. 2013 CPI-U - 233.069 Dec. 2013 CPI-U - 233.049...
by amfox1
Fri Jan 17, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: buy I-bonds now or wait after May 1?
Replies: 50
Views: 9221

Re: MAGI question

Considering the typical accumulation-phase person, just to clarify the "income" element, which of the following are included: 1. wages tips 2. long term capital gains 3. short term capital gains 4. qualified dividends 5. ordinary dividends 6. interest in taxable accounts (CD, bank, etc) 7...
by amfox1
Wed Jan 08, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: MAGI question
Replies: 7
Views: 786

Re: Where in New Jersey to buy home with NYC commute, childr

Some fantastic responses here -- thanks so much and I will follow up more. A couple of quick notes: 1) My bigger concern on the commute is not just the time it takes me, but my job is fairly variable and it isn't always (or even often) feasible to leave at a set time and catch "my train."...
by amfox1
Tue Dec 10, 2013 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 4159

Re: Where in New Jersey to buy home with NYC commute, childr

Surely you jest about tax deductibility? and on the Bogleheads forum too! The taxes are deductible up to $10K, after that you eat every penny of it and more. As soon as the OP purchases a $10K tax+ home, watch how fast TaxCaster will place him in AMT la-la land! It's like the Twilight zone! The $10...
by amfox1
Mon Dec 09, 2013 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 4159

Re: Where in New Jersey to buy home with NYC commute, childr

Millburn (including Short Hills) and Maplewood are extremely convenient via train to Midtown and almost as convenient to downtown. Maplewood is a very diverse town, and many NYC residents feel at home there; most of the parents I know who live in Maplewood use a private school, especially for high ...
by amfox1
Mon Dec 09, 2013 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 4159

Re: Where in New Jersey to buy home with NYC commute, childr

I lived in NJ for a while --- check out Millburn and Maplewood. I would add South Orange to the list. Maplewood and South Orange share a school district, are on the Midtown Direct line (which has trains running directly into Penn Station) and do not have obscenely long commute times. Essex County d...
by amfox1
Mon Dec 09, 2013 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Where in New Jersey to buy home with NYC commute, children?
Replies: 66
Views: 4159

Re: assuming no financial aid; how much per child in 529?

We came late to 529s, and mostly have money in UTMA accounts for our two children (one a HS senior, the other a HS sophomore). We have roughly $200k for each child in their accounts. The older child (son) is likely to go to Ivy or equivalent (fingers crossed); the younger one (daughter) will remain...
by amfox1
Sun Nov 03, 2013 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: assuming no financial aid; how much per child in 529?
Replies: 33
Views: 1911

Re: New ibond rates for nov 2013

September CPI-U is 234.149

March CPI-U was 232.773

That makes the next semiannual rate 0.59% (1.18% annualized), which is identical to the current semiannual rate.
by amfox1
Wed Oct 30, 2013 8:44 am
 
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 8123

Re: TLH option for Vanguard Intermediate-Term Tax-Exempt Fun

I TLH'ed from VWIUX into FLTMX (Fidelity Intermediate Municipal Income Fund) this week. Their performance is similar. There is a fee for doing so ($8 in my case), but the amount of tax losses being harvested is substantial. There is a 30-day holding period after which you may redeem the shares witho...
by amfox1
Thu Sep 26, 2013 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH option for Vanguard Intermediate-Term Tax-Exempt Fund?
Replies: 25
Views: 2017

Re: Holding off 2013 I-Bond Purchase

Three months into this I-Bond period, CPI-U for Sept was 231.407 and for Dec was 229.601 (third month in a row with lower cpi-u), thus a trend of deflation. Without a reversal, the next inflation reset for current bonds would be zero. If the deflation trend remains, May bonds may be issued at a bas...
by amfox1
Sat Mar 16, 2013 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Holding off 2013 I-Bond Purchase
Replies: 31
Views: 4058

Re: Funds that own Apple

There's no perfect fund equivalent to AAPL. You could go with either VIGRX, per nisiprius' post, or QQQ, which will track AAPL slightly closer but is much more of a technology investment. Also, one is a fund and the other is more of a trading vehicle. Note that, as of 12/10/12, the top eight stocks ...
by amfox1
Tue Dec 11, 2012 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Funds that own Apple
Replies: 15
Views: 1593

Re: Vanguard TIPS advice

Richard - You could also consider a tax-exempt fund such as VWITX (Vanguard Intermediate-Term Tax Exempt Fund) or VMLTX (Vanguard Limited-Term Tax Exempt Fund). No taxes, no one-year holding period. Both have $3k minimums, so you could split your money between the two. Note that both funds, while co...
by amfox1
Fri Dec 07, 2012 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard TIPS advice
Replies: 10
Views: 1357

Re: Can you retire off of dividend income?

Maybe this paper from Vanguard will have information that you will find useful. https://institutional.vanguard.com/VGApp/iip/site/institutional/researchcommentary/article?File=ImplicationsTotRetvsTotInc While the paper is useful (and I agree with its conclusion recommending the total-return approac...
by amfox1
Tue Apr 24, 2012 9:05 am
 
Forum: Investing - Theory, News & General
Topic: Can you retire off of dividend income?
Replies: 143
Views: 18060

Re: Dividend Paying Mutual Funds-Are They Good To Own?

Thank you so much for your responses. I have a follow up question because I guess I am still not 100% clear... When a dividend is payed and reinvested, doesn't that buy you additional shares of that fund? Therefore, if the share price goes up in the future, since i would now have more shares, the v...
by amfox1
Mon Apr 23, 2012 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend Paying Mutual Funds-Are They Good To Own?
Replies: 16
Views: 2808

Re: Suggestions and Recommendations on portfolilo.

Not enough info to answer. What would the purchase of the beach house do to the size of the portfolio/withdrawal rate? If I paid cash for a beach house, price approx. ($650,000+taxes owed on IRA withdrawal), withdrawal rate needed from portfolio to supplement pensions and social security would be 3...
by amfox1
Tue Apr 03, 2012 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommendations on in-process changes to portfolilo.
Replies: 34
Views: 3868

Re: Help with pension election - lump sum or annuity

There would be no COLA and no insurance. This would be a straight annuity; there is no backdoor universal insurance product involved.
by amfox1
Mon Apr 02, 2012 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with pension election - lump sum or annuity
Replies: 2
Views: 253

Help with pension election - lump sum or annuity

I recently retired from my business at age 45. I have a low six-figure amount in a pension plan. I have available an option to take this amount in a lump sum or as an annuity. If taken as a lump sum, I would roll it over into my IRA and invest it in accordance with the investment strategy applicabl...
by amfox1
Mon Apr 02, 2012 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with pension election - lump sum or annuity
Replies: 2
Views: 253

Re: 500k what bond fund to invest in now

I have been reading various threads and I am so confused.If I have 500 k at age 60 to invest in fixed income today,where should I put it?The whole low yield,inflation coming scenario has me paralyzed.The money would be in an IRA and not touched but added to for the next 5 or 6 years and is the core...
by amfox1
Sat Mar 31, 2012 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: 500k what bond fund to invest in now
Replies: 17
Views: 2242

Re: What is your 529 plan Asset Allocation?

Note: I treat my kids' investments as having a separate AA from ours. Their investments are at Fidelity. 9th grader (overall 45/55 stock/bond) - 3.5 years to first withdrawal: 62.0% UNIQUE 529 age-based plan (35/65 stock/bond) 23.1% Spartan 500 index (FUSEX) 7.6% Spartan US Bond Index (FBIDX) 7.3% o...
by amfox1
Tue Mar 27, 2012 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is your 529 plan Asset Allocation?
Replies: 46
Views: 6471

Re: Suggestions and Recommendations on portfolilo.

Not enough info to answer. What would the purchase of the beach house do to the size of the portfolio/withdrawal rate?
by amfox1
Sun Mar 25, 2012 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommendations on in-process changes to portfolilo.
Replies: 34
Views: 3868

Re: Suggestions and Recommendations on portfolilo.

Any and all comments, recommendations and suggestions greatly appreciated on the following portfolilo: *** I realize this is a mismash of funds and stocks. Reason for owning AT&T (T), is because I got it at a very low price and it's paying 8.3% dividend based on my cost per share, with a beta o...
by amfox1
Sat Mar 24, 2012 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recommendations on in-process changes to portfolilo.
Replies: 34
Views: 3868

Re: Do you hold your age in bonds?

We are both age 45. We currently hold bonds equal to age-5 (60/40 stock/bonds). We treat cash and cash equivalents as bonds for this purpose.
by amfox1
Mon Jan 30, 2012 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you hold your age in bonds?
Replies: 133
Views: 6767

Re: I-bond purchase questions

alanf56 wrote:I can confirm that in my case the money came out of my bank account the next day and there were no "test" deposits for confirmation.


Same for me. We bought our 2012 I-bonds over the weekend online and the money was taken out yesterday (Mon.).
by amfox1
Tue Jan 24, 2012 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: I-bond purchase questions
Replies: 26
Views: 2398

Re: What is best way to go to 50-60% fixed from 30% fixed?

Also need to consider whether this is a taxable account and what your time horizon is for the funds. If it is a tax-deferred account, a TIPS fund (VIPSX) or total bond fund (VBTLX) might be appropriate. If it is a taxable account, an intermediate tax-exempt fund (VWITX) or a limited-term tax-exempt ...
by amfox1
Fri Jan 20, 2012 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is best way to go to 50-60% fixed from 30% fixed?
Replies: 24
Views: 1441

Re: Wells Fargo is refinancing my mortgage... for FREE!

mr.ajandkj, Can you give a link to WF's page that describes this? Or do I have to make a call? I have a mortgage with them at 4.625% and would love to get that down to 4.125% if I could. https://mortgage.wellsfargo.com/easyapp/index.jsp Just completed my no-cost refinance with Wells, down to 4% fro...
by amfox1
Wed Nov 16, 2011 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo is refinancing my mortgage... for FREE!
Replies: 50
Views: 10285

Good overall plan but if I was writing this like a business plan I would have a section of contingencies 1) What if inflation is higher (or lower!) than expected? 2) What if one (or both) of you becomes very ill / disabled? 3) What if a relative becomes sick/disabled/??? and you want to help them f...
by amfox1
Sat Jun 04, 2011 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Comments on draft IPS?
Replies: 10
Views: 770

OP, to your last comment. As of right now, bond returns are about 3% provided rates down go up and decrease principal. How do you KNOW there will be 6% stock returns. And after tax the returns you get will be less. I agree....I believe a lot (most) retirees will be in a lot of trouble. We obviously...
by amfox1
Fri Jun 03, 2011 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Comments on draft IPS?
Replies: 10
Views: 770

You might consider a section on investment withdraw. You have a long retirement period and will be subject to under performing (or loss years). The forum has many posts (and debates) on withdrawal strategies. Fixed withdrawal amount ? % of assets? Select an approach that suites your time horizon an...
by amfox1
Fri Jun 03, 2011 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Comments on draft IPS?
Replies: 10
Views: 770

This all sounds good although as soon as you add flexibility and "opportunities" then the plan could go awry. I only have one question. Once the working stops, what do you do if the market goes flat or is in a prolonged Japan-like bear market and interest rates stay at 3% or less? Serious...
by amfox1
Fri Jun 03, 2011 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Comments on draft IPS?
Replies: 10
Views: 770

Comments on draft IPS?

We are working on putting together a draft investment policy statement. Any thoughts would be appreciated. Note that we are both age 44 today. *** Our goal has been to accumulate funds sufficient to fund the remainder of our lives. The following represents our agreed-upon investment views: Investmen...
by amfox1
Fri Jun 03, 2011 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Comments on draft IPS?
Replies: 10
Views: 770

Re: How much to save in a 529

I like the tax advantages of my Utah 529 program, but I'm wondering if there are any rules of thumb about what percent of college costs to aim for by the time the kids turn 18? Should I aim to have 50% of the estimated cost in a 529? Or 70%? (Note: I'll plan to pay any shortfall from taxable accoun...
by amfox1
Mon May 23, 2011 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: How much to save in a 529
Replies: 39
Views: 4717

Here's an example of a VUL FAQ: http://www.cpai.com/personal-insurance/gvul/faqs.jsp What is the GVUL Plan? Group Variable Universal Life (GVUL) is an insurance product whose goal - first and foremost - is to provide life insurance coverage to help secure your family's future. GVUL combines permanen...
by amfox1
Wed Mar 23, 2011 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: term life insurance
Replies: 46
Views: 5030

57%, 44, $800k
by amfox1
Tue Mar 22, 2011 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % equity in your home have you reached at age X
Replies: 90
Views: 8172

Redwing - We are in very similar life situations and also hold the bulk of my investible assets with Merrill. I know many of the people on this forum are going to recommend moving your portfolio to Vanguard. Assuming you are looking to structure a solution primarily within Merrill, I would recommend...
by amfox1
Sun Mar 13, 2011 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio spring cleaning
Replies: 44
Views: 7539

Dale_G - Your clutter point is more than fair. I also will think about the asset allocation funds. (I presume these are the funds classified as "World Allocation.") When I went through this exercise of listing my entire portfolio, I wondered why there are so many World Allocation funds and...
by amfox1
Thu Mar 10, 2011 1:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for assistance with portfolio recommendations
Replies: 11
Views: 735

fishnskiguy -

If I were to take your advice, what recommendations would you make in terms of which funds to purchase with the funds?
by amfox1
Thu Mar 10, 2011 12:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for assistance with portfolio recommendations
Replies: 11
Views: 735

bottlecap - Our plan has been to accumulate funds sufficient to fund our retirement. I wouldn't call this a formal IPS but represents our general investing views: Investment Objectives: 1. To be able to retire at the age of 45 2. To be able to fund our retirement plan, which provides for a budget fo...
by amfox1
Thu Mar 10, 2011 12:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for assistance with portfolio recommendations
Replies: 11
Views: 735

Manbaerpig - I should have been more specific. I am retiring, my wife intends to work for a few more years. We therefore will not need to tap into any of the portfolio for 18 months after I retire. In our retirement budget, which we have vetted through FIRECalc and through our financial advisor, we ...
by amfox1
Wed Mar 09, 2011 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for assistance with portfolio recommendations
Replies: 11
Views: 735

Looking for assistance with portfolio recommendations

Emergency funds: 3-6 months worth of expenses Debt: $344k mortgage, 4.625%, due 2039 Tax Filing Status: Married filing jointly Tax Rate: 35% Federal 6% State Age: 44, planning on retiring in 12-15 months Desired asset allocation: 65-70 stocks / 30-35 bonds/cash International allocation: 30% of stoc...
by amfox1
Wed Mar 09, 2011 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for assistance with portfolio recommendations
Replies: 11
Views: 735

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