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Re: Should I break my CD at Ally and get a new one's ?

Thanks Everyone, this was really helpful.
I'll take no action for now.

Will check blog for good CD rates and jump when > 2.5% range for 5 yr CD.
With news of early to mid 2015 Fed rate hike news, it might be sooner than we all expect.
by dimdum
Fri Sep 12, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1832

Re: Should I break my CD at Ally and get a new one's ?

When I looked at increase of Ally rate, I thought its a no-brainier to break and re-invest in new CD. I thought I'll run thru Boglehead forum just in case and I'm glad I did. It did give me a different prospective on looking at things. 20 bp, 150 days of EWP, look at alternative, locking for additio...
by dimdum
Thu Sep 11, 2014 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1832

Re: Should I break my CD at Ally and get a new one's ?

Thanks for your replies.
Since I have 4 of these, how about I sell /convert one at a time.

Convert one now. Convert others for every additional Apr increase

CD 1 - Now (2.05)
CD2 - When Apr hits 2.40
CD3 - 2.80
CD4 - 3.25
by dimdum
Thu Sep 11, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1832

Should I break my CD at Ally and get a new one's ?

I have Four CD with 5 year maturity at Ally Apr 1.84% - 14k, 16k Maturity Mid 2018 Apr 1.79% - 12k, 15k - Maturity Early 2018 All have 60 day early withdrawal penalty. I have another CD maturing in mid Oct, I can add the amount Oct CD and will get 2.05 APR (0.05 bonus). Oh, I miss those 0.25 bonus. ...
by dimdum
Thu Sep 11, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1832

Re: How Much House Should I Buy?

Based on your income, saving and industry I would say go for it. Although I would say go for lower 2.5-3.0m range rather than higher. I would also recommend putting the minimum payment needed (25%) rather than putting more. And going for 5-7 yr ARM to minimize your payment. Let's look at worst case ...
by dimdum
Tue Jul 15, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much House Should I Buy?
Replies: 81
Views: 4732

Re: Payoff Car For Best Credit Score

In my case, my credit score took a 50 point hit after I paid 5 year car loan in 2 year. During this time I never opened another credit card/or loan or did anything with credit or had any delinquent payment. Just pre-paid earlier. The person who pre-pay is also bad for business. PS: It was 3.75 APR (...
by dimdum
Tue Jul 01, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payoff Car For Best Credit Score
Replies: 21
Views: 1461

Re: ESPP with blackout risk

Contributing to First 6 month of ESPP is hard, once you do that next one is easy. Sell as soon as you get the first batch, sell and you have the cash flow for next one. Borrowing from EF or HELOC is relatively low risk. You exposure is 2-4 days in the mkt, the time it takes for funds to go to your b...
by dimdum
Fri Jun 13, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: ESPP with blackout risk
Replies: 6
Views: 637

Re: Switch car insurance? State Farm vs GEICO

I switched from Farmers to Geico and have been happy. Farmer increased rate after being with them for 10 years.
I Pay just under 1000$ per yr for 2 car and Umbrella liability.

Never used Geico for claim yet.
by dimdum
Thu May 15, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 4084

Re: Business Sold! Retired and need help with investments

I would say DCA into stocks and bonds. Although some studies suggest lumpsum is better but most of us are chickens and more comfortable with DCA (at least I'm). Invest in short term (33%) and IT term bond duration (66%). Yes, its possible the NAV might go down in coming yrs but as long you hold till...
by dimdum
Tue May 13, 2014 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Business Sold! Retired and need help with investments
Replies: 11
Views: 1333

Re: Apple Stock - Seems great, right?

As long as its part of your play money, its fine to hold individual stocks. Just keep an eye on it and sell if it goes too low (500) or too high (700).
by dimdum
Tue May 13, 2014 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 60
Views: 6165

Re: Life Term Insurance? 32 yrs old. [Help requested]

Medical exams ensure better rates, even one without medical exams will anyway pull your medical records for past 3 years (You need to sign authorizing them). So by avoiding exam you are not showing them your present and Insurance company still have visibility into your past. Re: two policies, it dep...
by dimdum
Wed Apr 30, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2488

Re: Invest in IPO or stick with index fund strategy exclusiv

How much is 25K (in percentage) of your total portfolio ? If its is 5-10% of your total portfolio, you can think as play money and maybe go for it. You need to do do diligence. Many tech IPO has popped over the course of week and many other has done well long term (Linkedin, Palo alto network). As l...
by dimdum
Tue Apr 29, 2014 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in IPO or stick with index fund strategy exclusively?
Replies: 21
Views: 1754

Re: Life Term Insurance? 32 yrs old. [Help requested]

Have you considered breaking and buying two policies while you are still young and rate are low for your coverage. Buy a 500k for 20 yr and another 250k-500K for 30 years (or mix and match as you like). Buy them from a broker (single health test) and choose two different providers for diversity. For...
by dimdum
Tue Apr 29, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2488

Re: mailed US tax check 4/13 - not cashed yet

I mailed on Apr 15, both state and federal get cashed yesterday (4/23). As long as you have proof of mailing, nothing to be worried. Enjoy your 0.01 checking rate for few more days.
by dimdum
Thu Apr 24, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: mailed US tax check 4/13 - not cashed yet
Replies: 43
Views: 7345

Re: Planning Retirement and Tax efficiency, looking for advi

Sorry for late response, taxes got me distracted and also I want to implement few changes as suggested before I post. On Bonds side, I'll stick with TBM, IT bonds index and IT corp bonds Index. I have sold PIMCO and moved to Bond fund in 401k - done Exchanged ROTH to IT index fund - done Started mov...
by dimdum
Tue Apr 22, 2014 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 1949

Re: ESPP Shares - What to do?

I sell 50% immediately or as soon as I can for ESPP. Rest I sell in 25+25 lot. Mine is div paying, big company stock, so holding 50% has some benefit.
As others have said, don't let the tax tail wag the investment dog.
by dimdum
Fri Apr 18, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: ESPP Shares - What to do?
Replies: 19
Views: 1474

Re: Planning Retirement and Tax efficiency, looking for advi

Thanks ruralavalon for detail response and advise. Let me first respond on Bonds side as its easier and faster for me to implement. Till 2012, I just had one fund: TBM. As bonds prices start rising and I started seeing more and more bonds related threads on bogleheads, I added Corp, IT TBM and TIPS ...
by dimdum
Thu Mar 27, 2014 1:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 1949

Re: Planning Retirement and Tax efficiency, looking for advi

Thanks everyone for their advice. You all are awesome. There are three main questions 1) IRA consolidation (move to VG) 2) Future money 3) Already invested MF 1) IRA consolidation (move from Fido to VG) The reason I have money in Fido is I like their interface, have some tools available and their CS...
by dimdum
Tue Mar 25, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 1949

Re: Planning Retirement and Tax efficiency, looking for advi

Hi kerplunk, thanks for your response and advice. I have re-formatted to make it make clean and it now follow boglehead format. Plus added image of XLS to make it more neat. Re: Selling in Taxable. For 2104 I will be hit by huge taxes (44% on ST) and 25% on LT (incl state taxes). Since they are inve...
by dimdum
Fri Mar 21, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 1949

Re: Are people really selling at the bottom of the market ?

If anyone missed the earlier bottom and subsequent rally, don't worry. Stocks mostly move up and down, rather sideways.
I expect another one in next 6-12 months, once QE3 ends. Nothing to do with market timing but more of bull cycle.
Stay the course.
by dimdum
Fri Mar 21, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Are people really selling at the bottom of the market ?
Replies: 16
Views: 3334

Re: Planning Retirement and Tax efficiency, looking for advi

Any suggestion on how to make it more tax efficient ?
I read wiki and looks like doing the right mix and match between tax-adv and tax-sheltered account.

Insight from other bogleheads would be helpful.
by dimdum
Fri Mar 21, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 1949

Re: POLL: Do you have a financial advisor?

Yes and its called "bogleheads.org"
by dimdum
Thu Mar 20, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you have a financial advisor?
Replies: 37
Views: 2176

Re: Single Income Family with 4 Children (so far)

Re- -About to purchase a 20 year term life policy at 2M (should I get 1 policy or 2 from different insurers?) Use this calc to find your insurance need http://finance.yahoo.com/calculator/insurance/ins01/ You should use broker to get quotes from multiple ins companies and go with one with good ratin...
by dimdum
Thu Mar 20, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Single Income Family with 4 Children (so far)
Replies: 69
Views: 5272

Planning Retirement and Tax efficiency, looking for advice

Edited: Added as per Boglehead format to make it easy to read. Emergency funds: six months of expenses Tax Filing Status: Married Filing Jointly, 2 kids Tax Rate: 33% Federal, 9.3% State State of Residence:CA Desired Asset allocation: 70% stocks / 30% bonds (115 - age) Desired International allocati...
by dimdum
Thu Mar 20, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 1949

Re: Stay for pay, or leave for growth? Seeking opinions.

I would also suggest staying at current job for 18month or so. Finish your Master and learn as much as you can during your lean period.
by dimdum
Mon Feb 17, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stay for pay, or leave for growth? Seeking opinions.
Replies: 14
Views: 1238

Re: Selling my first stock this week

What percentage of your "total portfolio" does XOM represent ? If its under 10%, keep it.
by dimdum
Wed Jan 15, 2014 1:18 am
 
Forum: Investing - Theory, News & General
Topic: Selling my first stock this week
Replies: 29
Views: 2664

Re: High Earners - What's Your Profession?

It depends upon location. I'm in Silicon Valley, CA. A fresh grad from good university working in SF can make that much in a year.
100K is like 40k here in valley. Av home price in good area ~1.5m and 50K + car are way too common on freeway.
by dimdum
Tue Jan 14, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28552

Re: When do you stop worrying about saving?

Make goals and track your goals. If you are track or have reached your goals, you can stop worrying. For example, lets say you're goal is to retire at age of 50. And then spend 100K each year after that and take SS at 65 years. You can use http://www.firecalc.com/ or other tools to determine if you ...
by dimdum
Mon Nov 25, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you stop worrying about saving?
Replies: 52
Views: 5725

Re: Average Yearly Raises?

Are we looking at base salary or W2 income or tax return income as over the years we have gains thru mutual funds too. My base is 7.31% over 14 years. W2 is 10.1 % over 14 years as of 2103 (incl bonus, stocks, this varies each year). Based on Tax return will be I believe 11% annually (need to dig ol...
by dimdum
Fri Nov 22, 2013 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 5534

Re: Muni vs CD : Need advice

Thanks everyone for your response. PJW Yes, I meant Muni bonds vs CD, I have updated subject. Yes, I'm aware of duration and SEC yields, but trying to see if Muni makes sense as this money is in taxable account. I found Ally 1.24% for 12 month CD the best I could find. Other option is Ally is 1.85% ...
by dimdum
Fri Nov 15, 2013 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs CD : Need advice
Replies: 10
Views: 1270

Muni vs CD : Need advice

Muni vs Bonds I have about 20K CD maturing in early Dec, 2103 and I'm trying to find best place for that money. Ally will give me 0.25 loyalty bonus and 12 month renewal will be around 1.24% APR. I'm debating on Vanguard CA muni vs (IT or Limited National Muni) vs Ally CD. Will it make a difference ...
by dimdum
Thu Nov 14, 2013 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs CD : Need advice
Replies: 10
Views: 1270

Re: best place to park $200K for a year?

CD ~160K, rest in ibonds (20k now, 20k in Jan, if you are married, 10k for single)
GE is offering 1.15% APR for 15 month CD, 1.05% for 1 yr.
by dimdum
Mon Nov 11, 2013 1:48 am
 
Forum: Investing - Help with Personal Investments
Topic: best place to park $200K for a year?
Replies: 22
Views: 2731

Re: 67years young, 2.3M in various accounts, please help!

How about 3 fund portfolio with some TIPS along with TBM ? For REIT, you need to be adding 200-250K to have some impact. 2. Sell the local bank stock (maybe a chunk this year, another next year, etc to avoid too much capital gains) and start on a CD ladder ($50k/yr). Agreed, sell now and rest in Jan...
by dimdum
Fri Nov 08, 2013 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 67years young, 2.3M in various accounts, please help!
Replies: 11
Views: 1798

Re: Need help with Bond allocation

Thanks Taylor. I'll stick with my combination of TBM, TIPS, Muni and Invt grade.
Probably will move some bonds duration to ST for TBM, TIPS and Invt grade.
by dimdum
Fri Nov 08, 2013 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Bond allocation
Replies: 12
Views: 1670

Re: Twitter IPO?

The stock is down ~7% from yesterday closing and about 18% down from its peak.
Give a quarter or two to get the real deal. Remember FB went down to 18$, or lost ~55% of its IPO value.
by dimdum
Fri Nov 08, 2013 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Twitter IPO?
Replies: 60
Views: 2591

Re: Need help with Bond allocation

That is your option. I would consider taxes as only a piece of the overall puzzle. There is an additional diversification benefit from moving from 100% California to a nationally diversified low costs fund. That true. But my 100% CA is still 10% of my overall Bond allocation. In future if I run out...
by dimdum
Tue Nov 05, 2013 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Bond allocation
Replies: 12
Views: 1670

Re: Need help with Bond allocation

livesoft, That correct, my current bonds allocation are mostly TBM and some CA Muni which are IT. I'm leaning towards 30-40% towards ST for my bond allocations. Also possible add TIPS, Invt grade and maybe HY or/and Intl bonds. So far I'm thinking of Tips, Invt grade, Muni and TBM. Mix of ST and IT....
by dimdum
Fri Nov 01, 2013 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Bond allocation
Replies: 12
Views: 1670

Re: Need help with Bond allocation

Well, not sure if slice and dice on Bonds helps and hence I reached out to bogleheads. What are other doing ? FYI, I have ~180K or so in bonds funds, so 5% give me admiral/spartan access to many bonds funds. I have ibonds as part of my EF, currently 20K and not including in my AA as its part of EF. ...
by dimdum
Wed Oct 30, 2013 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Bond allocation
Replies: 12
Views: 1670

Re: Brothers response to index investing

We all take profits from our investments, its called re-balancing. We do profit taking or re-balancing multiple times during our investing career: - when our portfolio goes up or AA changes dramatically, we re-bal - when one segments does better than other (US vs Euro), we take profit (re-bal) - Whe...
by dimdum
Tue Oct 29, 2013 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brothers response to index investing
Replies: 52
Views: 3828

Need help with Bond allocation

With all the noise about bonds fund, I need some advice and help with Bonds/stable funds allocation. Background - Married, 2 kids. State - CA Age - 43, 41 I'm follow 115-age for equity. Portfolio is mid 6 figure equally divided between 401k/IRA and Taxable account. Currently most of my bonds are TBM...
by dimdum
Tue Oct 29, 2013 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Bond allocation
Replies: 12
Views: 1670

Re: Ok I read enough posts on how selling is foolish now

Stoney178, you want to get all the gains without all the risks associated with it. Its called free lunch and sorry, there is none. When market are good you want to invest in stocks, when market looks risky you want to diversify to safer assets. What happens when all this is resolved and market start...
by dimdum
Tue Oct 08, 2013 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Ok I read enough posts on how selling is foolish now
Replies: 30
Views: 3025

Re: 2007 Honda Civic, to sell or not to sell?

The only reason you would buy a new car is due to safely reasons. Few years back I replaced my older accord with min-SUV. The older accord has had two airbags in front, newer one came with 6 airbags in front (3 each side) plus 2 for back seat (side airbag activated during roll-over). It had better c...
by dimdum
Thu Oct 03, 2013 5:57 pm
 
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 2842

Re: How to expand tax-advantaged space

tax-exempt bonds (federal only), you need to pay state taxes
by dimdum
Wed Oct 02, 2013 1:15 am
 
Forum: Investing - Theory, News & General
Topic: How to expand tax-advantaged space
Replies: 3
Views: 702

Re: Lump sum - staying liquid while keeping up with inflatio

If you are married, open a joint account. It's insured for 500k.
by dimdum
Mon Sep 30, 2013 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum - staying liquid while keeping up with inflation
Replies: 5
Views: 682

Re: 18 Months Till Retirement, Need Suggestions

We plan on having our Retirement funds last for approx 15-20yrs, and our Children are doing very well for themselves, so we aren't concerned with leaving money to them,or so they say :happy Why do you thinks your life expectancy is about 15-20 yrs ? Do you have any medical condition or family histo...
by dimdum
Sat Sep 28, 2013 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 18 Months Till Retirement, Need Suggestions
Replies: 49
Views: 4732

Re: Retired-Stock/Bond Placement??

Sounds like a plan. Only suggestion for bonds that it should be IT term, not long term. If you are putting in new money some exposure to short term bonds index would be my suggestion.
by dimdum
Sat Sep 28, 2013 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired-Stock/Bond Placement??
Replies: 6
Views: 483

Re: Is Bond/Bond Fund investing just a bad idea all around n

If you are too worried about bonds NAV dropping due to increasing interest rate, go short term bonds index. Falling NAV (bonds price) will be compensated with raising yield (interest rate). Since they are short term (typically 2.5 yrs), they will be stable and maybe able to get you some positive (re...
by dimdum
Sat Sep 28, 2013 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Bond/Bond Fund investing just a bad idea all around now?
Replies: 40
Views: 4074

Re: Asset Allocation for a Friend (low income, windfall)

2-Should we put $3125 into each fund so that they are not in danger of dropping below $3000 instead of putting the extra $500 to international? (How much does Vanguard care if you invest and it drops a little below the initial investment minimum?) If it drop below 3k or 10k due to market condition ...
by dimdum
Fri Sep 27, 2013 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a Friend (low income, windfall)
Replies: 20
Views: 1328
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