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Re: Timing of savings bonds purchases based on treasury yiel

My calendar notice popped up to make a decision. I splitting the difference. $10k now and $10k in May for I-bonds. Inflation rate: Today's inflation rate: 0.59% May's inflation rate: 0.92% (looks like the Fed's getting close to their 2% annual target) Inflation rate is up, but that's largely a wash ...
by jackpistachio
Fri Apr 18, 2014 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: Timing of savings bonds purchases based on treasury yield
Replies: 7
Views: 1207

Re: California Taxes - Am I Missing Something?

When a city has an average home price of $800K, where do the teachers live? Where do the firemen live? Here: http://www.mercurynews.com/sunnyvale/ci_25331740/sunnyvale-city-manager-dps-lieutenant-top-citys-salary And here: http://www.mercurynews.com/salaries/bay-area?appSession=70853739252963&R...
by jackpistachio
Sat Apr 12, 2014 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8030

Re: Speculation on I Bond fixed rate for May 1st

I am not Bond, the I Bond Mel. However, I expect the new I bond fixed rate to be no greater than 0.2%. Since I don't want to lose up to $20/year, I will invest my annual limit by 4/30. Hey, $20/year x 30 years is $600 more dollars to spent on Latte. I view it as $600 being the maximum downside if y...
by jackpistachio
Sat Apr 12, 2014 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3063

Re: Speculation on I Bond fixed rate for May 1st

Couple other threads on the topic: http://www.bogleheads.org/forum/viewtopic.php?p=1525629 http://www.bogleheads.org/forum/viewtopic.php?f=10&t=135609 10-yr treasury yields are slightly higher (0.1-0.2%) than they were 6 months ago when we first got the 0.2% fixed rate. Real 5-year yields are hi...
by jackpistachio
Sat Apr 12, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3063

Re: California Taxes - Am I Missing Something?

When a city has an average home price of $800K, where do the teachers live? Where do the firemen live? Here: http://www.mercurynews.com/sunnyvale/ci_25331740/sunnyvale-city-manager-dps-lieutenant-top-citys-salary And here: http://www.mercurynews.com/salaries/bay-area?appSession=70853739252963&R...
by jackpistachio
Sat Apr 12, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8030

Re: Fewer, large contributions vs smaller, regular contribut

In my book, investing on a rumor is strictly verboten. I contribute more to my investments pretty much as soon as the funds are available.
by jackpistachio
Sun Mar 30, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Fewer, large contributions vs smaller, regular contributions
Replies: 14
Views: 828

Re: Ashamed - Wells Fargo crushing me on credit/debit cards

+1. Avoid Capital One like the plague. They're one of the worst banks/credit card providers available. Sapphire Preferred has great service too and you immediately get a person on the phone, no nonsense menus. Why do you feel this way? Its ironic that your two comments in this and another thread ha...
by jackpistachio
Tue Mar 25, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Ashamed - Wells Fargo crushing me on credit/debit card fees
Replies: 18
Views: 2038

Re: Timing of savings bonds purchases based on treasury yiel

On I bonds, I'm going to wait a little while (one week or five weeks... TBD) and make a decision based largely on a complete guess of where the fixed rate may go looking at real yields. Note that this last .2% fixed didn't follow the pattern shown in #cruncher's post linked above. This is a $20k pu...
by jackpistachio
Tue Mar 25, 2014 8:58 am
 
Forum: Investing - Theory, News & General
Topic: Timing of savings bonds purchases based on treasury yield
Replies: 7
Views: 1207

Re: Higher Returns at Lower Risk - please comment

azanon: If I read your posts correctly, you are making the argument that small cap value is overvalued based on recent "overperformance". Isn't that a contradiction? If the small cap value index sticks to its criteria for the value factor, how does it become overvalued? Are you disagreeing...
by jackpistachio
Sun Mar 23, 2014 7:49 am
 
Forum: Investing - Theory, News & General
Topic: Higher Returns at Lower Risk - please comment
Replies: 55
Views: 5231

Re: How did you decide how much to save?

How did you decide have much to save? Popular alternatives range from saving 10% - 15% to maxing a 401(k) to projecting rates of return and saving enough to generate a chosen level of spending if the projections prove accurate. Save too much and you're denying yourself in the present, save too litt...
by jackpistachio
Fri Mar 21, 2014 7:18 am
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9173

Re: Timing of savings bonds purchases based on treasury yiel

Current I bonds issued through April 30th offer a fixed component of 0.20% + the variable inflation rate. Basing your purchases of I bonds over the prior 6 month CPI-U calculation is folly, you don't know if the Treasury will be so willing to extend that 20bp fixed component going forward leaving y...
by jackpistachio
Fri Mar 21, 2014 7:07 am
 
Forum: Investing - Theory, News & General
Topic: Timing of savings bonds purchases based on treasury yield
Replies: 7
Views: 1207

Re: best cash back credit card

My personal anecdotal experience is that I bump across merchants not accepting Amex maybe once every few months. In fact, if I were using the VISA only, I'd have a bigger problem because I shop at Costco often. I switched to using just one card (Fido Amex) for a couple of years now, and I'm loving ...
by jackpistachio
Fri Mar 21, 2014 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 20358

Re: Why did Bond Funds take a beating...

Who knows what yields lurk in the minds of the Fed? The Market knows! :twisted:
by jackpistachio
Thu Mar 20, 2014 6:27 am
 
Forum: Investing - Theory, News & General
Topic: Why did Bond Funds take a beating...
Replies: 39
Views: 3571

Timing of savings bonds purchases based on treasury yield

Savings bonds purchases might be one of the few things that could possibly be timed. With I-Bonds you can calculate the new inflation rate before it goes into effect: I-bonds inflation rate computed from the CPI-U numbers: May rate = (Mar - Sep)/Sep; and Nov rate = (Sep - Mar)/Mar. For the I-bonds f...
by jackpistachio
Thu Mar 20, 2014 6:12 am
 
Forum: Investing - Theory, News & General
Topic: Timing of savings bonds purchases based on treasury yield
Replies: 7
Views: 1207

Re: best cash back credit card

I decided to learn playing the credit card game and want to start soon, because in the next few months I will be spending ~$10k on travel and certain purchases, in addition to my normal expenses. Here are my constraints: 1. I want to get a VISA, because some of my potential vendors are abroad and d...
by jackpistachio
Thu Mar 20, 2014 5:31 am
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 20358

Re: best cash back credit card

When I travel in Europe or prepay online for services in Europe, they never accept AMEX. What about MasterCard? Is it accepted as widely as VISA, or VISA is more versatile? Victoria Make sure whatever card(s) you go with don't charge foreign transaction fees. Also Visa Signature travel benefits are...
by jackpistachio
Sat Mar 15, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 20358

Re: Should you discuss your wages with your peers?

This one is easy. I don't discuss my compensation except with those who pay me or who might pay me. I listen when others tell me what they make. If they expect me to divulge in return, then I try to give information or advice that costs little to me but can be beneficial to them.
by jackpistachio
Sat Mar 15, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 6618

Re: Joined the "Two Comma Club" Today

ajcp wrote:
Dadarkar wrote:Oops! Bad error on my part. Three comma is not Ten million, I missed one zero!


You're getting warmer, but still not there :wink:


http://en.wikipedia.org/wiki/Indian_Numbering_System
by jackpistachio
Sat Feb 01, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Joined the "Two Comma Club" Today
Replies: 47
Views: 4456

Re: A levered 50/50 portfolio is better than a 90/10 one?

Hmm... so now just to figure out the Tangency Portfolio of the future, and the covariance of the asset classes over time as well! Obviously these are unknowable. We can figure out where they have been in the past, and see how they move all over the place. And then there are the events that fall well...
by jackpistachio
Sun Nov 24, 2013 9:55 am
 
Forum: Investing - Theory, News & General
Topic: A levered 50/50 portfolio is better than a 90/10 one?
Replies: 43
Views: 3915

Re: Advantages to Dual Citizenship?

reggiesimpson wrote:International Living and Permanent Traveler sites discuss this at length.


Reggie, could you provide your list of favorite "International Living and Permanent Traveler sites". Thanks in advance.
by jackpistachio
Sat Nov 23, 2013 7:57 am
 
Forum: Personal Consumer Issues
Topic: Advantages to Dual Citizenship?
Replies: 34
Views: 2788

Re: Valuations matter? Your opinion

I replied "other". Jury's still out for me. I think they matter, but I'm not sure what to do about it. Just follow a simple rebalancing plan or make piecemeal AA adjustments? I pulled down a bunch of threads and papers to read, then as I thought I might, I got lazy. I guess I don't feel to...
by jackpistachio
Sun Nov 17, 2013 7:57 am
 
Forum: Investing - Theory, News & General
Topic: Valuations matter? Your opinion
Replies: 56
Views: 2808

Re: The key to investment success

Because a metric is noisy it is meaningless? I guess meaningless is a strong word, but the implication is that P/E10, as opposed to P/E, prices in the "probability" of a recurrence of the 2008 financial crisis (yet neglects the 2002 dot-com recession because that's more than the-number-of...
by jackpistachio
Tue Nov 12, 2013 7:54 am
 
Forum: Investing - Theory, News & General
Topic: The key to investment success
Replies: 33
Views: 2958

Re: Financial failures

Debt = bad. Financial freedom = good. Savings rate gets from one to the other. Then good conservative investing principles keeps you there.
by jackpistachio
Tue Nov 12, 2013 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial failures
Replies: 55
Views: 3179

Re: We're not in an Equity Bubble

Flubber.
by jackpistachio
Mon Nov 11, 2013 8:21 am
 
Forum: Investing - Theory, News & General
Topic: We're not in an Equity Bubble
Replies: 61
Views: 5904

Re: google does math

I was aware that Google did math. The links you provided actually demonstrate that Bing can do math too.
by jackpistachio
Thu Nov 07, 2013 6:21 am
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 3865

Re: Federal Reserve proposing banks keep 30 day supply of ca

From AP: " The requirements were mandated by Congress after the financial crisis. They are part of new regulations that are intended to prevent another collapse severe enough to require taxpayer-funded bailouts and threaten the broader financial system." I don't think the Fed is reacting t...
by jackpistachio
Fri Oct 25, 2013 7:39 am
 
Forum: Investing - Theory, News & General
Topic: Federal Reserve proposing banks keep 30 day supply of cash
Replies: 3
Views: 462

Re: Is tax due on unsold appreciated stocks?

Because options are hard and I sound like an idiot? Well, no. I would give this advice generally. My reasoning is because I view options trading as incurring transaction costs with expected return before costs of at best zero (a zero sum game). This view relies on my belief that I don't know anythi...
by jackpistachio
Wed Oct 23, 2013 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Is tax due on unsold appreciated stocks?
Replies: 7
Views: 989

Re: Is tax due on unsold appreciated stocks?

Capital gains tax is only due in the year assets are sold. Its a bit concerning you are asking this, and then asking about options trading in another thread. Some advised you to forgo options trading until you really understand how it works. I'd take it a step further and say forgo options trading r...
by jackpistachio
Tue Oct 22, 2013 3:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Is tax due on unsold appreciated stocks?
Replies: 7
Views: 989

Re: How did you/your child pay for college?

Myself Undergrad: Full ride academic + Pell grants + research assistant + less expensive private university. Continued in school through summers. No debt. Myself Grad: Stipend + research. Everything was paid for. Wife: Worked at university - most tuition was paid for. Small student loan from before ...
by jackpistachio
Sun Sep 29, 2013 7:03 pm
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8469

Re: Shiller PE10 nearing nosebleed territory?

tadamsmar,
Ahh. Helpful. Thanks.
by jackpistachio
Fri Sep 27, 2013 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22754

Re: Shiller PE10 nearing nosebleed territory?

I did a perfunctory search looking for AA adjustments at the more extreme ranges of PE10, vs standard rebalancing schemes (periodic, percent bands, etc). I came up blank. "Over rebalancing", "asymmetric rebalancing, "under rebalancing", "opportunistic rebalancing"...
by jackpistachio
Fri Sep 27, 2013 5:33 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22754

Re: Shiller PE10 nearing nosebleed territory?

rodc, Good thing I'm not an 8th grader or I might have had the motivation to do some ill-advised backtesting myself. I'm lazy enough that I was hoping an 8th grader might do a 'lmgtfy' for me. Okay... a perfunctory + 1 search provided the following: http://www.bogleheads.org/forum/viewtopic.php?f=10...
by jackpistachio
Thu Sep 26, 2013 11:24 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22754

Re: Shiller PE10 nearing nosebleed territory?

I did a perfunctory search looking for AA adjustments at the more extreme ranges of PE10, vs standard rebalancing schemes (periodic, percent bands, etc). I came up blank. "Over rebalancing", "asymmetric rebalancing, "under rebalancing", "opportunistic rebalancing" ...
by jackpistachio
Thu Sep 26, 2013 9:11 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22754

Re: interest at the bank

... right before Roth IRA deadline max Roth monies get transferred, ... Why do you wait until right before the Roth IRA deadline? If you have the funds, why don't you contribute as soon as possible? I use my Roth as an emergency fund. If I put the monies in as soon as possible and later needed to t...
by jackpistachio
Thu Sep 26, 2013 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: interest at the bank
Replies: 19
Views: 1844

Re: interest at the bank

mike143 wrote: ... right before Roth IRA deadline max Roth monies get transferred, ...


Why do you wait until right before the Roth IRA deadline? If you have the funds, why don't you contribute as soon as possible?
by jackpistachio
Thu Sep 26, 2013 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: interest at the bank
Replies: 19
Views: 1844

Re: Shiller PE10 nearing nosebleed territory?

PE10 (and PE) adherents would have missed some large market run-ups of the past years. In other words, they would have bailed too early. I can't see any evidence PE10 beats rebalancing based on desired equity allocation. That's what I was thinking. I haven't made a change to my IPS since I started ...
by jackpistachio
Wed Sep 25, 2013 6:37 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 22754

Re: Why does my lawnmower leave a stripe?

Have you checked than underneath is clean? It may be possible that buildup is causing an interesting air flow that pushes grass away from the blade in that area.
by jackpistachio
Sun Jul 14, 2013 6:03 am
 
Forum: Personal Consumer Issues
Topic: Why does my lawnmower leave a stripe?
Replies: 26
Views: 2757

TLHing EWA (MSCI Australia Index)

One lot of EWA I own is down 13.9%. I'm looking to tax loss harvest. I can't find a good alternative to replace with. This is held in a US-based Fidelity after-tax account. I am a US expat living in Australia and use EWA together with AUD Fixed Income to match my AUD-denominated goals/needs. Aside f...
by jackpistachio
Fri Jun 28, 2013 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLHing EWA (MSCI Australia Index)
Replies: 0
Views: 201

Re: What to do with old computers and printers?

If it is only 3 years old and working, I'd donate to a charity or give to a friend/family member (but with no tech support strings attached).

5 years or older - e-cycle.
by jackpistachio
Mon May 27, 2013 8:28 am
 
Forum: Personal Consumer Issues
Topic: What to do with old computers and printers?
Replies: 28
Views: 1958

Re: Overweighting China

I read Malkiel's book - 10th edition. Did not overweight China. My reason? I couldn't follow the logic. Malkiel is a proponent of EMH, or at least the weak EMH. So if the market is efficient, why in China's case should one tilt because of what's not part of the market. It doesn't compute. The market...
by jackpistachio
Mon May 27, 2013 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Overweighting China
Replies: 10
Views: 595

US expat in Australia savings & investing

Hi, I've recently moved to Australia for the long term with my US-based company. Paid in US dollars, with housing provided. Plan is to be here indefinitely, but minimum is two years. However, assume a return stateside is probable around ten years out. Had an IPS back in the states. 6 mo cash reserve...
by jackpistachio
Thu Feb 14, 2013 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: US expat in Australia savings & investing
Replies: 1
Views: 200

Re: What Book Are You Currently Reading? Part V

Free to Choose, by Milton Friedman
by jackpistachio
Wed Sep 12, 2012 8:29 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2626
Views: 598824

Re: Most underrated band of all time?

Before I read anything, Rush was first that popped in my head.
by jackpistachio
Wed Sep 12, 2012 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 13170

Re: Seller Financing?

From the looks of it, the buyer is looking for a sweet bargain deal. Don't take his offer. Make him sharpen his pencil. More work now to get additional offers will save the MIL executer time in the long run, especially considering his offer of seller financing. Only in rare circumstances, mostly for...
by jackpistachio
Wed Sep 12, 2012 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seller Financing?
Replies: 9
Views: 718

Re: Should I fund a non-deductible IRA

Please explain further the lack of investment choices in your 401(k). What are the choices? Is there a PCRA option? Are in-service withdrawals allowed?
by jackpistachio
Fri Apr 13, 2012 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I fund a non-deductible IRA
Replies: 23
Views: 1885

Re: Contacted by Whole Life Insurance Agent - Need Help

You sure sound like an insurance agent. My guess is a paid industry promoter and not an agent looking for a direct sale. I have attended enough funerals to know how woefully underinsured most men are today. What do you say to a grieving widow in a receiving line when everyone is in or near tears an...
by jackpistachio
Fri Apr 13, 2012 2:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Contacted by Whole Life Insurance Agent - Need Help
Replies: 131
Views: 4091

Re: Best watch for around $5,000?

Quite frankly I'm surprised this thread isn't locked by now. I don't see why someone who would disagree with buying an expensive watch would enter this thread in the first - I guess it's to be judgmental, but I can only guess. This thread is a part of the community history. Reading it is a rite of ...
by jackpistachio
Thu Apr 12, 2012 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 637
Views: 137785

Re: Is a nondeductible (converted) Roth IRA taxed twice?

You should be aware that if you have existing deductible Traditional IRA dollars, then the taxes on the Roth conversion will be prorated between your deductible and non-deductible amounts in the Traditional IRA. As an example, assume you have $10,000 total deductible contributions and earnings and m...
by jackpistachio
Thu Apr 12, 2012 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a nondeductible (converted) Roth IRA taxed twice?
Replies: 10
Views: 563

Re: How do you approach a down market psychologically?

My first thought in late 2008 / early 2009 and last August was actually a lack of confidence in my ability to call market peaks and troughs. Second thought that typically follows is a fear of the opportunity cost in even attempting this. In that regards, my fear actually kept me in the market. With ...
by jackpistachio
Tue Apr 10, 2012 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: How do you approach a down market psychologically?
Replies: 101
Views: 4112

Re: Best watch for around $5,000?

I think this thread must be some sort of rite of passage... I'll take a go. $50 / timex is too much. Mine was $20 and the best gift my wife ever gave me. Probably won't last as long as this thread though. A TIMEX lasts forever . REALLY, Who GAF, about anything except the time..not petro, or readers...
by jackpistachio
Tue Apr 10, 2012 2:43 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 637
Views: 137785
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