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Re: Timing the 10 year for mortgage lock

I've asked that of the 4 lenders i've inquired with. None of them offer float down. Just float. I didn't lock in today, so I will probably just let it float for as long as I can.
by l2yangop
Tue Jul 16, 2013 11:07 pm
 
Forum: Investing - Theory, News & General
Topic: Timing the 10 year for mortgage lock
Replies: 8
Views: 740

Re: Timing the 10 year for mortgage lock

Well said G-Money. I'm willing to gamble I think :)

Im expecting the Bernake we got a couple weeks ago when he had to make unscheduled commentary to calm the bond selloff.
by l2yangop
Tue Jul 16, 2013 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Timing the 10 year for mortgage lock
Replies: 8
Views: 740

Timing the 10 year for mortgage lock

Bernake speaks tomorrow. Rates are at a 2 year high. Could he possibly say anything that might send the 10 year higher? It seems to me he'd like to be more of a dove. I ask because I need to lock in a mortgage rate within 30 days :)
by l2yangop
Tue Jul 16, 2013 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Timing the 10 year for mortgage lock
Replies: 8
Views: 740

Re: Is now really a good time to buy my age in bonds?

Guys, I really enjoyed reading all the comments here. Thanks for contributing. I'm going to look into shorter duration bond funds to make up my 20-30% AA.
by l2yangop
Fri Jul 12, 2013 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now really a good time to buy my age in bonds?
Replies: 35
Views: 2589

Re: Is now really a good time to buy my age in bonds?

Also, would I make the most sense to use my HSA for bonds and the Roth for equities indexes since capital preservation could potentially be more important in the HSA in case I ever do in fact need to use it for medical expenses? Maybe short term bond index in the HSA and intermediate term bond inde...
by l2yangop
Thu Jul 11, 2013 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now really a good time to buy my age in bonds?
Replies: 35
Views: 2589

Re: Is now really a good time to buy my age in bonds?

Also, would I make the most sense to use my HSA for bonds and the Roth for equities indexes since capital preservation could potentially be more important in the HSA in case I ever do in fact need to use it for medical expenses?
by l2yangop
Thu Jul 11, 2013 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now really a good time to buy my age in bonds?
Replies: 35
Views: 2589

Re: Is now really a good time to buy my age in bonds?

I'm assuming you're a "recovering stock picker/newsletter junkie" because you either didn't outperform an appropriate benchmark or you did and you know you were just lucky. If your efforts at timing the stock market were either unsuccessful or unreliable, why do you think you'd have a dif...
by l2yangop
Thu Jul 11, 2013 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now really a good time to buy my age in bonds?
Replies: 35
Views: 2589

Is now really a good time to buy my age in bonds?

I’m 30 years old and have 50k in retirement assets (roth + hsa: I pay medical bills in cash). No debt. I am a recovering stock picker/newsletter junkie and want to average into a 3 fund portfolio. I am thinking VTI (40%)/VXUS(30%)/BND(30%) However, I feel like it’s almost certain that after a 30 yea...
by l2yangop
Thu Jul 11, 2013 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now really a good time to buy my age in bonds?
Replies: 35
Views: 2589

Re: Whole life and Long term tax planning

1. We are planning for kids in the next couple years, God willing. I do have group life through my employer but it is for only 3x my annual income which is not sufficient once we have kids (not to mention should I ever lose/leave this job). 2. Only one Roth because we haven't bothered opening one fo...
by l2yangop
Thu Apr 18, 2013 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole life and Long term tax planning
Replies: 30
Views: 1264

Re: Whole life and Long term tax planning

Before I answer that I first want to thank everyone for their contributions. I really appreciate all the time some of you invested into answering my question. I was indeed approached (not pressured) by a friend who is in the industry and asked about what our retirement plans look like. He has been n...
by l2yangop
Thu Apr 18, 2013 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole life and Long term tax planning
Replies: 30
Views: 1264

Re: Whole life and Long term tax planning

I appreciate everyone's thoughts. We do have plans for kids so I think Insurance is definitely going to be a need. I was only considering WL as another means of diversifying our broader investment strategy.
by l2yangop
Wed Apr 17, 2013 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole life and Long term tax planning
Replies: 30
Views: 1264

Whole life and Long term tax planning

I am 30, my wife is 27. Combined we make somewhere between 175-200k per year. We have no debt, and currently rent. In the next few years we plan to buy a home in the 300k range and have cash for 20% down. Our net worth between bank accounts and retirement (roth, 1 employer sponsored 403b, hsa) is ar...
by l2yangop
Wed Apr 17, 2013 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole life and Long term tax planning
Replies: 30
Views: 1264

Re: HSA investing- Is buying TIPS ETF good for safety?

The other thing I was thinking is maybe an income target retirement fund like VTINX
by l2yangop
Fri Mar 01, 2013 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA investing- Is buying TIPS ETF good for safety?
Replies: 7
Views: 357

HSA investing- Is buying TIPS ETF good for safety?

I'd like to keep up with inflation or maybe make a percent or two on top of it in my HSA but for various reasons, I'd like to play it ultra safe. Does it make sense to buy the TIPS etf as opposed to sitting in cash?
by l2yangop
Fri Mar 01, 2013 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA investing- Is buying TIPS ETF good for safety?
Replies: 7
Views: 357

Re: Recommend book or web on Taxes/strategies

Thank you for your contribution. this is very helpful. I have always contributed to a roth account but i make under 120k a year. I don't think she will be able to contribute to it. Her employer doesnt offer a retirement solution and she has not yet established one. I will likely get her setup with ...
by l2yangop
Wed Jun 20, 2012 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommend book or web on Taxes/strategies
Replies: 10
Views: 856

Re: Recommend book or web on Taxes/strategies

I make 85k and my wife will make over 150k this year. We are recently married and have not yet filed taxes as a couple. We are co-owning all accounts. I am looking for a book recommendation to understand tax strategies. Does anyone have any suggestions? Also, ideas on how best to find a tax prepare...
by l2yangop
Tue Jun 19, 2012 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommend book or web on Taxes/strategies
Replies: 10
Views: 856

Recommend book or web on Taxes/strategies

I need some help with understanding tax code and savings strategies/shelters. I make 85k and my wife will make over 150k this year. We are recently married and have not yet filed taxes as a couple. We are co-owning all accounts. I am looking for a book recommendation to understand tax strategies. Do...
by l2yangop
Tue Jun 19, 2012 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommend book or web on Taxes/strategies
Replies: 10
Views: 856

found this interesting, thanks!
by l2yangop
Mon Jun 20, 2011 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to get out of Bonds?
Replies: 31
Views: 3408

found this interesting, thanks!
by l2yangop
Mon Jun 20, 2011 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation update June 15 relevant to I Bonds and TIPS
Replies: 7
Views: 1391

found this interesting, thanks
by l2yangop
Mon Jun 20, 2011 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: A little help with TIPS please
Replies: 12
Views: 1765

what about this strategy? On the day before ex-dividend date, you can do a covered write by buying the dividend paying stock while simultaneously writing an equivalent number of deep in-the-money call options on it. The call strike price plus the premiums received should be equal or greater than the...
by l2yangop
Thu Jul 22, 2010 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Can i collect dividends by holding long and short positions?
Replies: 9
Views: 1589

Can i collect dividends by holding long and short positions?

CIM is a real estate REIT currently yielding 18.5%.....trades a big volume. Where is my logic in the proposal below flawed?

Buy and sell short the same number of shares just to collect the 18% dividends. I've often thought about doing this...not sure what the downside is.
by l2yangop
Thu Jul 22, 2010 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Can i collect dividends by holding long and short positions?
Replies: 9
Views: 1589

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