Search found 516 matches

by bayview
Mon Jun 29, 2015 6:55 pm
Forum: Investing - Theory, News & General
Topic: An Argument for Long Term Treasury Bonds
Replies: 61
Views: 4602

Re: An Argument for Long Term Treasury Bonds

From this evening's Balances and Holdings page for our decidedly low-key accounts (not that I look or anything): VTSAX (total US stock market) -2.13% VTIAX (total international stock market) -2.67% VFIUX (intermediate-term Treasury fund) +0.71% VUSTX (long-term Treasury fund) +2.44% Something goes u...
by bayview
Fri Jun 26, 2015 8:30 pm
Forum: Investing - Theory, News & General
Topic: TIAA-CREF dramatically increasing Expense Ratios
Replies: 88
Views: 10859

Re: TIAA-CREF dramatically increasing Expense Ratios

Depends on which expense tier you're in. I'm in their lowest ER tier so it costs me less. Avoid having an IRA with T-C. They treat those folks like dirt... Hi Wizard, could you amplify a bit on this earlier post? I recently found that we were eligible for an IRA through TIAA-CREF, and I'm consideri...
by bayview
Fri Jun 26, 2015 5:59 am
Forum: Investing - Theory, News & General
Topic: TIAA-CREF dramatically increasing Expense Ratios
Replies: 88
Views: 10859

Re: TIAA-CREF dramatically increasing Expense Ratios

Depends on which expense tier you're in. I'm in their lowest ER tier so it costs me less. Avoid having an IRA with T-C. They treat those folks like dirt... Hi Wizard, could you amplify a bit on this earlier post? I recently found that we were eligible for an IRA through TIAA-CREF, and I'm consideri...
by bayview
Thu Jun 25, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: A time to EVALUATE your jitters
Replies: 106
Views: 31346

Re: A time to EVALUATE your jitters

A bump for those who might not have seen this linked in the current (June 2015) link viewtopic.php?f=10&t=168261
by bayview
Wed Jun 24, 2015 5:50 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19246

Re: What was the 2008 crash like in real time?

I didn't rebalance existing savings, but I switched 100% of new contributions to equities, and then didn't look--not because I had nerves of steel, but because I didn't. Then oddly once the recovery seemed to actually be happening, and my cheap equities were climbing nicely, I sold most of them off ...
by bayview
Sat Jun 20, 2015 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: wife's personal info may have been hacked - should we freeze our credit?
Replies: 24
Views: 2442

Re: wife's personal info may have been hacked - should we freeze our credit?

We're under contract for a house, estimated closing mid-July, and I get the letter. :oops: I really don't want to do anything at this point to rock the credit boat (lenders often freak out at credit freezes), so I'm grimly waiting it out. Since the actual hack happened a good while ago, I'm telling ...
by bayview
Wed Jun 17, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: TIAA Real Estate Account as non-403(b) deferred annuity?
Replies: 10
Views: 786

Re: TIAA Real Estate Account in taxable?

Most of us who are eligible for an Investment Solutions IRA are not aware of it, simply because we know (or think we know) TIAA-CREF as an investment option for people in higher education, or maybe local public government. It would never have occurred to me to see if I might be eligible as a federal...
by bayview
Mon Jun 15, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: tIRA's RMDs causing increasing tax concerns
Replies: 62
Views: 7136

Re: tIRA's RMDs causing increasing tax concerns

Thanks for the responses. I may be confused but as I mentioned previously I spent several hours on the phone with HR at different times. I also read my company's Plan several times. I think that I cannot roll over the earnings from my Roth 401K to a Roth IRA until it has met the five year period IN...
by bayview
Tue Jun 09, 2015 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tsp allocation question
Replies: 26
Views: 1863

Re: Tsp allocation question

At one point, for reasons that no longer apply, I was keeping almost all our bond allo in G, but I always kept at least 30% or so in the stock funds in order to grow the darned TSP space. Very possible that some one will show me why this doesn't matter :D, but it made sense to me. If your desired AA...
by bayview
Tue Jun 09, 2015 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Latest TSP (Thrift) Contribution Date?
Replies: 29
Views: 2596

Re: Latest TSP (Thrift) Contribution Date?

Wow, if you can pull this off, you must have gotten hired in as a GS-12! :D

Even if you can't max it out this year, it's a good way of establishing how little you can take home and survive.

Welcome aboard! I have a daughter who's trying to do the same.
by bayview
Mon Jun 08, 2015 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 9385

Re: close friend found out how much I have - bad outcome

Maybe maybe not. I purchased a new car and paid cash. What should one say when asked about payments? Lie I'd like to think that most people are tactful enough as to not ask about the method of payment (all cash vs. loan, etc.). As for the car price, anyone can get that information with a quick sear...
by bayview
Mon Jun 08, 2015 4:52 pm
Forum: Investing - Theory, News & General
Topic: Bear Market, Move from Stocks to Bonds?
Replies: 88
Views: 5847

Re: Bear Market, Move from Stocks to Bonds?

Every day I get a little happier with our 50/50 Treasuries/US-international stock index investments. If we had cash lying around (ha), we'd probably get CD's, but I figure that with this AA, at least one side of our investments will hang in there and who knows, maybe even grow a bit more. Hey, it co...
by bayview
Mon Jun 08, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: The 'Monday Effect'?
Replies: 50
Views: 7397

Re: The 'Monday Effect'?

Just pulled a few years worth of data on the S&P 500. Looks like Monday's and Friday's both experience more days in the green than days in the red. The average one day gain on Monday's were 0.64% and Friday's experienced a 0.60% increase (an for transparency the days Monday's lost they averaged...
by bayview
Sun Jun 07, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 53
Views: 4108

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

That seems a little breathtaking for a 99203, but another possibility was if the billing code (not medical code) was for an urgent care visit, as opposed to a hi-welcome-to-our-practice new patient visit. The POS (place of service) code can change the reimbursement rate. I got nailed with one of the...
by bayview
Sun Jun 07, 2015 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 52
Views: 4323

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

As I said previously, this is a response to the huge number of patients that don't pay their bills after the fact. Certainly no Boglehead would do this, :oops: but this is the reality we are left with after so many deadbeats go through the system. Now everyone pays the price. If you don't like it, ...
by bayview
Sat Jun 06, 2015 8:44 am
Forum: Investing - Theory, News & General
Topic: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me
Replies: 40
Views: 5009

Re: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me

After several years of trying to find the perfect AA, I realized that I at least have another risk factor to consider in investing: the risk of going crazy. :D If I were younger, I might do some sort of tilting, but with retirement on the horizon, 6 years or so out (please dear Lord), I'm fine with ...
by bayview
Sat Jun 06, 2015 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 82
Views: 8344

Re: Thoughts on Federal Employment

The famous civil service system (CSRS) that so many people think that feds are under is pretty much gone by now, only held by those who've been in a long time. FERS, the current system, pays 1% of your high-3 salary x years of employment, 1.1% if you work 20 years or more. The high three can occur a...
by bayview
Fri Jun 05, 2015 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 82
Views: 8344

Re: Thoughts on Federal Employment

My mom worked for the FDA for something like 25 years (and just retired last year). Basically: it isn't the highest paying job around, but it is very hard to lose your job. She liked it a good bit. She was a sociologist working on surverys, food labels, research, infant feeding studies, etc. One is...
by bayview
Fri Jun 05, 2015 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 82
Views: 8344

Re: Thoughts on Federal Employment

I'm proud to be a federal employee, despite the umm, cheerful bashing from the legislative portion of the Three Branches and the media. I wandered into federal employment after the classic post-9/11 is-this-where-I-want-to-be-when-the-world-ends moment, quitting my job without anything on the horizo...
by bayview
Fri Jun 05, 2015 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Does too high initial house asking price kill chance at selling house?
Replies: 50
Views: 4715

Re: Does too high initial house asking price kill chance at selling house?

I can imagine that there might be potential buyers somewhere who will cough up a ton more money for the extra wooded land, but you said yourself that "there is nothing special about our house." I think that your wife is hoping/ expecting that there are potential buyers just like you who wa...
by bayview
Fri Jun 05, 2015 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Big life changes and large lump sums about to appear
Replies: 16
Views: 2259

Re: Big life changes and large lump sums about to appear

Just a quick question, as it appears that your wife's $60K pension will be such a big driver of your future ability/ willingness/ need to take risk: how secure is this pension? Do you feel comfortable that it will continue throughout your joint retirement? --not trying to unsettle you; but I think i...
by bayview
Sat May 30, 2015 10:55 am
Forum: Investing - Theory, News & General
Topic: Worried about longevity risk...this isn't good news
Replies: 22
Views: 3568

Re: Worried about longevity risk...this isn't good news

To say that a SPIA is the "best" of all of the different types of annuities is like saying that this old tire is the best worn out old tire of the bunch. Try comparing a SPIA with a low risk bond/stock ETF portfolio. With a SPIA you will wind up getting a terrible return on investment of ...
by bayview
Sat May 30, 2015 9:01 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 83
Views: 11507

Re: Improving the TSP [for current participants]

I could grit my teeth and put up with the I fund and the awkward distributions, if they'd just get the Roth conversion option going. Selfish, I know :D, but that's what truly makes me crazy at this point. If I could convert all my TSP to Roth, I could probably resign myself to the RMD's (even on Ro...
by bayview
Wed May 27, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 45
Views: 6389

Re: Question about Citi Double Cash Card

I use this card - I get the second 1% and I always pay early. You mean you buy something and pay it off before the next statement? BTW, what's your motivation for paying so early? You'd still pay no interest if your paid in full after the next statement, and before the payment due date. And while t...
by bayview
Wed May 27, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Benefit
Replies: 6
Views: 672

Re: SS Survivor Benefit

I hope that this is theoretical, and you're just educating yourself on all the twists and turns of social security, but if not, I hope things work out well for the both of you.
by bayview
Wed May 27, 2015 5:30 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 83
Views: 11507

Re: Improving the TSP [for current participants]

I could grit my teeth and put up with the I fund and the awkward distributions, if they'd just get the Roth conversion option going. Selfish, I know :D, but that's what truly makes me crazy at this point. If I could convert all my TSP to Roth, I could probably resign myself to the RMD's (even on Rot...
by bayview
Tue May 26, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 38
Views: 2281

Re: $4500 reasonable for wills for blended family and some trusts?

Hope you don't mind me asking, but separate from all the fee issues, etc., how are you and your wife going about thinking through the whole who-gets-what issue? IMO, it gets complicated if I let it. My wife has considerably more assets than my ex has. There was a time when I thought I should equali...
by bayview
Tue May 26, 2015 11:54 am
Forum: Investing - Theory, News & General
Topic: Book recommendation
Replies: 6
Views: 1014

Re: Book recommendation

Larry, any idea when the 3rd ed. will be out? This sounds like what I'm looking for, but I do want the latest edition.
by bayview
Mon May 25, 2015 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 45
Views: 6389

Re: Question about Citi Double Cash Card

Lower than normal credit limits on the Double Cash card makes sense. Citi is operating on very thin margins on this card. Any defaults at all will hurt them, whereas most issuers have a bigger cushion. As a result, I think Citi is trying to protect itself by keeping credit limits low even for borro...
by bayview
Mon May 25, 2015 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 46
Views: 2328

Re: Do Bogleheads plan to utilize Independent Living facilities?

All good points! Only thing I would add - besides the "physical" you also have to pass the financial test. Yup, you have to lay everything bare as far as income/assets/net worth. Whether church-affiliated or not, they aren't dumb. They aren't going to admit anyone who is shaky to start wi...
by bayview
Mon May 25, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 45
Views: 6389

Re: Question about Citi Double Cash Card

I was startled to receive a $10K limit last week. Go figure. Clean credit report, FICO's in 760-780 range due to "seeking credit/too many inquiries" (we recently re-fi'd our house, plus picked up a few reward cards.) Only other derog is "too many accounts with balances" (5 report...
by bayview
Mon May 25, 2015 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 38
Views: 2281

Re: $4500 reasonable for wills for blended family and some trusts?

We need to redo our wills. They are slightly complicated in that W wants to, on the off-chance that I outlive her, provide a comfortable life for me and then the remainder to her two children. I in turn want to give everything to my 4 kids (including the same two as my wife has)... Hope you don't m...
by bayview
Sat May 23, 2015 1:24 pm
Forum: Investing - Theory, News & General
Topic: Why government bonds at all?
Replies: 55
Views: 4352

Re: Why government bonds at all?

All our bonds are Treasuries (including the G fund.) As they do better at zigging when equity zags than do corporates, we can put a greater percentage of our investments in equities.
by bayview
Wed May 20, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone limit available credit on Credit card?
Replies: 34
Views: 2751

Re: Does anyone limit available credit on Credit card?

I have crazy-huge limits on a number of cards (no idea why, but hey), and I've never had the slightest issue.* I only apply for reward cards (Citi Double Cash last night) and store cards that bring a special deal (new fridge at 0% for a year, paid off early.) The limits on the new cards have stayed ...
by bayview
Tue May 19, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I renege [on a] job offer?
Replies: 48
Views: 4861

Re: Should I renege [on a] job offer?

Congrats on what seems like a smart decision. Before I saw the date on this thread, I thought these two things: ...To be honest, the only reason I interviewed for IB was because I wanted a offer so I could negotiate a higher salary in consulting (figured it was worth a shot)... I think you answered ...
by bayview
Fri May 15, 2015 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Need Your Help Evaluating My Portfolio (TSP Allocation, Roth IRA Vanguard)
Replies: 8
Views: 550

Re: Need Your Help Evaluating My Portfolio (TSP Allocation, Roth IRA Vanguard)

Thanks for the feedback, Duckie. As for the G fund, I'm not a big fan of the G fund simply because although it never loses money, it doesn't really outpace the rate of inflation. Or am I being too aggressive with my portfolio?... It's useful to understand the different functions/roles of your vario...
by bayview
Thu May 14, 2015 6:12 pm
Forum: Investing - Theory, News & General
Topic: 403(b) & 457 combined contribution limits (2 employers)
Replies: 7
Views: 632

Re: 403(b) & 457 combined contribution limits (2 employers)

...Since tax deferred income is still subject to social security and medicare taxes, the money that I pay for those taxes can be used as the basis for a Roth contribution using funds from another source... You mean in the sense of tax-deferred withdrawals potentially resulting in your SS income bei...
by bayview
Thu May 14, 2015 5:50 pm
Forum: Investing - Theory, News & General
Topic: 403(b) & 457 combined contribution limits (2 employers)
Replies: 7
Views: 632

Re: 403(b) & 457 combined contribution limits (2 employers)

2. Don't forget in the year you hit 50 (in that year even if your birthday is Dec 31st) you get a bump on all 401k, 403b, 457 contribution limits. So goes from $18k to $23k and then there are adjustments upwards indexed to inflation. Actually, it's now $24k for us mossbacks, with a $6K catch-up con...
by bayview
Sun May 10, 2015 8:58 am
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1521

Re: Help me understand why maxing out Roth TSP is better than Traditional

Anything you do with the TSP hits both sides of the account except the partial withdrawal AND you only get one. The other option is to roll the entire account over to an IRA. I can't find verification of that in the TSP literature or on Form TSP-77. In fact, I can only find information that says th...
by bayview
Sat May 09, 2015 10:13 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Credit Risk Not Worth It
Replies: 43
Views: 5569

Re: Swedroe: Credit Risk Not Worth It

The point is, smoothing out short term impacts from panics should NOT be a goal of portfolio construction. Portfolio diversification is a mechanism that works over multiple years and decades, not months or even a year or two. Investors should pick an appropriate level of risk and diversify that ris...
by bayview
Wed May 06, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Aging parent not interested in setting up POA etc
Replies: 26
Views: 3074

Re: Aging parent not interested in setting up POA etc

Do you have YOUR financial house in order with POAs, health care directives, etc.? If so, could that be a springboard to the discussion? If not, you should get them drawn up and let her know. That might help diminish the concern that this is a sign she is giving up her independence as she ages. Tha...
by bayview
Wed May 06, 2015 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Aging parent not interested in setting up POA etc
Replies: 26
Views: 3074

Re: Aging parent not interested in setting up POA etc

Maybe your mother just needs to understand that a POA, in the sense that you are talking about, doesn't mean you can start controlling her money anytime you want, and that it is to ensure she is comfortable/taken care of no matter what situation arises. I'm not an expert so people that know more ca...
by bayview
Wed May 06, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Aging parent not interested in setting up POA etc
Replies: 26
Views: 3074

Re: Aging parent not interested in setting up POA etc

Thanks to all for the thoughtful replies. I went back and edited my original post --she's 88, not 78. Either I fat-fingered this, or I'm the one with cognitive decline... :oops: In many ways, she's still very sharp cognitively, but she has done a few whimsical things that I can't figure out --were t...
by bayview
Wed May 06, 2015 11:41 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 224
Views: 18240

Re: Forum software upgrade bug reports and change requests

I have turned server-side unread tracking back one. It has to start from scratch recording where everyone is, so it may not be exact at first. But threads you read from this point on and new threads should show unread information correctly. Thanks Alex. It works perfectly now. Not for me. The posts...
by bayview
Tue May 05, 2015 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Aging parent not interested in setting up POA etc
Replies: 26
Views: 3074

Aging parent not interested in setting up POA etc

20 years ago, my widowed mother (now 88) started making noises about making me, the only child, her healthcare POA plus some financial POA stuff as well (co-owner of bank accounts, etc.) Time passed, banks changed, dust settled, and she now has no memory of doing this or understanding of why it migh...
by bayview
Tue May 05, 2015 8:10 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 224
Views: 18240

Re: Forum software upgrade bug reports and change requests

I'm just hanging in there. Things are definitely faster! My phone still doesn't know when I've read posts on my laptop, and my laptop doesn't know when I've read posts on my phone. This is definitely a pain, but I'm hoping it will settle out over the next few days. An hour or so ago, everything went...
by bayview
Tue May 05, 2015 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawing Money from Roth IRA / TSP in Retirement
Replies: 12
Views: 1127

Re: Withdrawing Money from Roth IRA / TSP in Retirement

Just to add, we have all our bond money in G (or the Vanguard Treasury equivalents in our non-TSP IRA's), per the advice of Larry Swedroe and others to take all our risk in equities and stay with safety in bonds. As a result, our AA is a bit higher for equities than might be expected for others at o...
by bayview
Tue May 05, 2015 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep track of your investments?
Replies: 48
Views: 3209

Re: How do you keep track of your investments?

I keep an eye on things in Vanguard. I have proxies for my TSP funds using VFIUX for G (definitely not great, but acceptable), VIIIX for C, VIEIX for S, and EFA for I. These aren't perfect either, but hey, whatever. They're reasonable. I also have a Google spreadsheet that mainly tracks AA, which I ...
by bayview
Mon May 04, 2015 4:30 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 224
Views: 18240

Re: Forum software upgrade bug reports and change requests

I think the problem of having all of your posts showing up as unread is the result of one of those new features I turned off. Specifically 'Enable server-side topic marking: Stores read/unread status information in the database rather than a cookie". You can imagine the size of the database ta...
by bayview
Thu Apr 30, 2015 3:56 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation during RMD years-unneeded but required wd's
Replies: 13
Views: 1248

Re: Asset allocation during RMD years-unneeded but required

...A better mental model might be that the federal government already owns 15% of your tax-advantaged accounts. When you take your RMDs, you simply pay them their share, and keep your share. Holding on to their share longer really does you no good. If you were in a tax bracket higher than 15% when ...

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