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new stock spinoff - w/shares "when issued"

I happen to be holding a stock called - Rayonier - http://finance.yahoo.com/q?s=RYN On Friday 6/27 - they will spinoff part of their company into a new publicly traded ticker. This new ticker is - RYAM-WI - http://finance.yahoo.com/q?s=RYAM-WI and has been listed and avail for about a week... This i...
by ps56k
Fri Jun 27, 2014 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: new stock spinoff - w/shares "when issued"
Replies: 2
Views: 284

Re: to Muni, or not to Muni - that is the question

Langkawi wrote:No more loyalty bonus at Ally?
Don't think so... I should double check -
guess they just needed the influx of capital when they originally split, which is when I setup my CDs.

EDIT - yup, just checked - it's 0.15%, just not listed on their website.
by ps56k
Tue Jun 24, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: to Muni, or not to Muni - that is the question
Replies: 10
Views: 1511

Re: to Muni, or not to Muni - that is the question

- at this point, one of my quarterly ladder $35k CDs has rolled over, and I have to decide what to do with it by the end of the week... :annoyed Keep the $35k in the Ally Bank CD @ 1.10% for 2yr - raise your rate - or....move it to my existing Vanguard Total Bond - VBMFX - (actually adm) which has t...
by ps56k
Tue Jun 24, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: to Muni, or not to Muni - that is the question
Replies: 10
Views: 1511

Re: Invest in Roth IRA or Pay Down Rental Mortgage?

I would maximize retirement savings and investing before paying additional principal or funding college expenses. Remember: College can be financed. Retirement can not. Totally agree - always put money into the train that is leaving and won't be back - ie - the yearly IRA contribution or any other ...
by ps56k
Tue Jun 24, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in Roth IRA or Pay Down Rental Mortgage?
Replies: 11
Views: 815

Re: Alternative to Broker Sold Municipal Bond Fund

I've been wrestling with the Muni vs not-Muni question, and one of the other posters in several threads brought up the issue of "risk" which has dramatically increased in the Muni world. Here is one of my postings over in another thread http://www.bogleheads.org/forum/viewtopic.php?f=10&am...
by ps56k
Tue Jun 24, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternative to Broker Sold Municipal Bond Fund
Replies: 10
Views: 539

Re: At what point do munis make sense?

I grabbed my table from another thread, and pasted it below.... On the surface it doesn't look too bad, but if you look at everything below the AAA rating - it paints a different picture. VBMFX = total bond ............ 30% below AAA VBIIX = intermediate bond .... 44% below AAA VWITX = intermediate ...
by ps56k
Tue Jun 24, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: At what point do munis make sense?
Replies: 65
Views: 6024

Re: At what point do munis make sense?

Take another look at the graph I posted above http://www.bogleheads.org/forum/viewtopic.php?f=10&t=140884&newpost=2091182#p2085656 . On the left side of the graph, those books were right. We are now on the right side of the graph. The left side also gives you an idea of what the tax discoun...
by ps56k
Mon Jun 23, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: At what point do munis make sense?
Replies: 65
Views: 6024

Re: Bond allocation / Bond fund handwringing

tnx - started reading at the top -
by ps56k
Thu Jun 19, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2607

Re: Bond allocation / Bond fund handwringing

I had thought that Muni's fund total return was always lower than traditional taxable bond funds, but made up for it with the tax exempt status... I was just looking at the 4 funds - 3 yrs - and compared the average return after taxes on distributions & sale of funds ? Why are the Muni's actuall...
by ps56k
Thu Jun 19, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2607

Re: to Muni, or not to Muni - that is the question

I had thought that Muni's fund total return was always lower than traditional taxable bond funds, but made up for it with the tax exempt status... I was just looking at the 4 funds - 3 yrs - and compared the average return after taxes on distributions & sale of funds ? Why are the Muni's actuall...
by ps56k
Thu Jun 19, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: to Muni, or not to Muni - that is the question
Replies: 10
Views: 1511

Re: Short Term Bonds or 2 Year CD's

I'm in the same situation... I have a couple of Ally Bank CD ladders coming due this month, and in the next couple of months.... Had previously used the "raise your rate" CD. http://www.ally.com/bank/savings/?INTCMPID=HP_NAV_CD Currently holding in our taxable account Total Bond - VBMFX - ...
by ps56k
Thu Jun 19, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: Short Term Bonds or 2 Year CD's
Replies: 13
Views: 1352

to Muni, or not to Muni - that is the question

I have a couple of Ally Bank CD ladders coming due this month, and in the next couple of months.... Currently holding in our taxable account Total Bond - VBMFX - and was looking at the Intermediate fund - VBIIX - BUT - as I've read, the breakeven point for moving into Muni's is the 25% tax bracket. ...
by ps56k
Thu Jun 19, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: to Muni, or not to Muni - that is the question
Replies: 10
Views: 1511

Re: Bond allocation / Bond fund handwringing

I've been holding 10-20% cash instead of bonds since 2008-09. I also have some cash as per my MM funds and these CD's that I've been rolling over every since Ally Bank was split and created. I used to invest in $5k chunks, then $10k chunks, and now $25k chunks for fixed income. Each of my CD's matu...
by ps56k
Wed Jun 18, 2014 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2607

Re: Bond allocation / Bond fund handwringing

Also - as our portfolio in equities has grown in value,
if this bond fund were to be added to our taxable account....
with the proceeds from our Ally CD's maturing this month...

How do these Muni's compare -

Vanguard Muni intermediate - VWITX
Vanguard Muni long term - VWLTX
by ps56k
Wed Jun 18, 2014 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2607

Re: Bond allocation / Bond fund handwringing

This is all for a couple of 2yr safety net CDs that are maturing this month over at ALLY, and what to do with the money at that point... Ally CD renewals 1.10% to 1.60% So, it looks like VBIIX has a little bit longer Duration, along with having a portfolio of less AAA and more BBB to help boost it's...
by ps56k
Wed Jun 18, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2607

Re: College & PhD vs $250k working

CFM300 wrote:Not sure if you care, but doing a Google image search on the image in your first post.......

Tnx - I deleted -
by ps56k
Wed Jun 04, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7461

Re: College & PhD vs $250k working

One source of cheap fun at Caltech is hiking or rock climbing in nearby mountains. Yeah - at UW/Madison, they have an outdoors group - called the UW/Hoofers. He has run their kayak safety classes, and gone on UW group kayaking trips out in CO and down to KY and GA. Along with biking, hiking, campin...
by ps56k
Wed Jun 04, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7461

Re: College & PhD vs $250k working

Beyond his own potential for professional growth being at Caltech for 5 years could result in meeting a spouse with great career potential as well. Might not come across those kind of potential spouses in the grocery store or laundromat. Penny... Penny... Penny... - vs Amy, who is a PhD in real life.
by ps56k
Wed Jun 04, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7461

Re: College & PhD vs $250k working

shorvath wrote:Grad student stipends can be deceptive...
I'm currently making 36k a year, but I don't pay state, medicare, or social security taxes.

How does that stipend get reported to you - 1098, 1099, W2, ? - just wondering for end of year tax planning...
by ps56k
Wed Jun 04, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7461

Re: College & PhD vs $250k working

1) CalTech is a great school. PhD from CalTech in the sciences presumably carries a LOT of weight in the working world. He applied to, was acepted at, recruited and visited 6 programs...Scripps, Yale, Caltech, Berkeley, Stanford, & UNC. Unfortunately, UW/Madison Chemistry doesn't retain their u...
by ps56k
Wed Jun 04, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7461

Re: College & PhD vs $250k working

In the sciences, there is a definite ceiling if you do not pursue the graduate degree. A PhD will allow him to climb very high in many R&D companies (just tell him to stay out of academics :wink: ). AND he just mentioned that maybe he might stay in the academic world... it's a long way off... H...
by ps56k
Wed Jun 04, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7461

College & PhD vs $250k working

Our son just graduated from UW/Madison... in Chemistry with German minor. He is now heading to Caltech for 5years pursuing a PhD in chemistry. BTW - he is not a total Big Bang Theory nerd and does have other interests... motorcycle, scuba diving, white water kayaking, etc SO - just wondering, compar...
by ps56k
Wed Jun 04, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7461

Re: Bond allocation / Bond fund handwringing

Just as a comparison for my mostly pure bond coin toss - Total Bond VBMFX vs Intermediate VBIIX (not sure of the technique to align everything) VBMFX VBIIX Dur 5.6yrs 6.5yrs Mat 7.7yrs 7.3yrs AAA 69 % 53 % AA 4 4 A 12 17 BBB 13 23 Gov 45 % 57 % Corp 24 41 MBS 25 --
by ps56k
Wed Jun 04, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2607

Re: Bond allocation / Bond fund handwringing

couldn't figure out how to grab and post a good link to the Morningstar chart - so here is the one from Yahoo - yeah, pricing vs total returns - but the picture is similar.... the blue - Total Bond VBMFX didn't fall into the 2008 abyss - good correction balancer the red - LT Corp - has the widest sw...
by ps56k
Fri May 30, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2607

Re: Bond allocation / Bond fund handwringing

tnx - yes, I tend to try and look at the 2008 chart to see how things dipped, and then how they recovered. Over on Morningstar, I charted VBMFX, VBIIX, and VWESX..... for 10 years - sorry - but couldn't figure out how to get the shared chart to properly disply here via the IMG tags. the VBMFX Total ...
by ps56k
Fri May 30, 2014 1:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2607

Re: Bond allocation / Bond fund handwringing

I've been wondering about continuing to hold my Vanguard Total Bond - VBMFX - (as of June 2014) or swap it for Vanguard intermediate term -- VBIIX. I have the Total Bond VBMFX, the LT Corp VWESX, the Wellesley VWINX, and the TIPS fund VIPSX. In reviewing all of these on the Moringstar website/charti...
by ps56k
Wed May 28, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2607

Morningstar chart of CD vs Bond fund

Is there any way on Morningstar to chart a bond fund, like VBMFX or VIPSX
against a relative constant like a CD earning 1.x%

Just curious to be able to see the ups/downs and correlation.
by ps56k
Wed May 21, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar chart of CD vs Bond fund
Replies: 0
Views: 285

Ally Bank CD's vs Bond fund or TIPS fund

I currently have about $100k laddered into several Ally Bank multi-year CD's - back from when Ally was brand new from the spinoff, and were enticing customers with rates. Now some of those CD's are coming due - and not sure what to do. The $100k is really not needed, all other equity/bond bases are ...
by ps56k
Wed May 21, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD's vs Bond fund or TIPS fund
Replies: 6
Views: 1149

Re: Safety net - VBMFX, PRPFX, VIPSX, or VWINX

yes - it's hard to balance the emotional with the rational. I looked at all 6 of my holdings on Morningstar, and did the 1,3,5,10 yr comparison charts. VWINX Wellesley, with it's 60% bond and 40% stock was #1 in all years, since equities were the recent leader. Pimco BOND Total Return ETF, and VWESX...
by ps56k
Thu May 08, 2014 11:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safety net - VBMFX, PRPFX, VIPSX, or VWINX
Replies: 9
Views: 1486

Re: Safety net - VBMFX, PRPFX, VIPSX, or VWINX

Of these, VBMFX is the purest. Yes it's had declines lately, but those declines make it more attractive by increasing the projected returns going forward (SEC yield). For high quality bonds, price and future returns move in opposite directions. VIPSX, while recommended for those close to retirement...
by ps56k
Thu May 08, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safety net - VBMFX, PRPFX, VIPSX, or VWINX
Replies: 9
Views: 1486

Re: Vanguard Total International (VTSAX) - Taxable Account

I always browse here, and then fret over something new I've just learned. I hadn't really thought about my actual tax bracket - as TurboTax says my Effective Rate is 11% just re-looked at my 1040 - Ordinary Divs = $46k Qual Divs = $39k and Cap Gains = $41k and I'm in the 28% bracket - so Ordinary ta...
by ps56k
Fri Apr 18, 2014 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2596

Re: Best funds for kids

couple of comments... Have you considered a 529 - for the potential college bound - and depending upon your state, you might get a state tax deduction. Next - the Vanguard Target Retirement funds - I was curious about the AA and the yearly progression, so I looked at all the TR funds and their AA. I...
by ps56k
Fri Apr 18, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best funds for kids
Replies: 6
Views: 677

Re: what bond funds to hold(Bernstein's Sheltered Sam)

I think an interesting topic is that of holding the TIPS fund - VIPSX - Do you see inflation as something to prepare for ? Should you hold TIPS, or just roll that into the Total Bond fund - VBMFX - and still sleep at night. I have VIPSX, and am still wrestling with holding, or not. As I look outside...
by ps56k
Fri Apr 18, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: what bond funds to hold(Bernstein's Sheltered Sam)
Replies: 7
Views: 978

Re: Vanguard Total International (VTSAX) - Taxable Account

I searched for calculator on that page and came up empty. Where on the page are you seeing Calculator? I was actually backtracking, trying to find the QDI from the URL... and stumbled onto the Calculator. Top Menu --> Insights --> Tax Center --> Info on Specific Vanguard Funds --> More --> scroll d...
by ps56k
Fri Apr 18, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2596

Re: A fund to go with VWINX/VWELX

not sure why you would have both of these asset allocation funds -
VWINX - conservative - stock/bond -- 38/61 - Wellesley
VWELX - moderate - stock/bond ----- 65/33 - Wellington
by ps56k
Fri Apr 18, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: A fund to go with VWINX/VWELX
Replies: 5
Views: 664

Re: Vanguard Total International (VTSAX) - Taxable Account

However, I just came across the Vanguard page for qualified distributions for each fund. tnx for that info & link - just went there, and from there clicked on the "Calculator" to see my actual Vanguard QDI amounts. https://personal.vanguard.com/us/QualifiedDivIncomeController?entryFro...
by ps56k
Fri Apr 18, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2596

Re: Child's Roth

Just curious--did the short term TIPS drop out after 2015, because there are only 4 numbers after 2015. I'm trying to understand the chart you posted. Thanks. Interesting to see how they calculate these things. yup - just checked - no TIPS used beyond 2015. I went thru each Vanguard Target Retireme...
by ps56k
Wed Apr 16, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1463

Re: Child's Roth

Well I have my 20 year old in Vanguard TR2050 and the 17 year old in TR2055, so TR2060 for a 5 year old sounds about right. I was curious about the AA and the yearly progression, so I looked at all the TR funds and their AA. It is not linear, but rather broad steps or plateaus for chunks of time. U...
by ps56k
Tue Apr 15, 2014 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1463

taxes - grad student - to claim as dep or not

Our son will be graduating UW/Madison next month, and heading off to another academic quest for a few more years. We still claim him, both for taxes and biology wise, along with filing his Fed and state 1040 taxes. He has limited Earned Income, but divs & cap gains from his Schwab Account. Also,...
by ps56k
Fri Apr 11, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: taxes - grad student - to claim as dep or not
Replies: 4
Views: 382

Re: suggest name change - Personal Consumer Issues & Securit

I was thinking about all the areas that "data security" revolves around our "investing" activities.... be it accessing websites, or locally with Quicken, turboTax, and the resulting files, passwords, fobs, with local hard drives vs cloud vs flash drives & encryption. Lots of ...
by ps56k
Thu Apr 10, 2014 5:55 pm
 
Forum: Forum Issues and Administration
Topic: suggest name change - Personal Consumer Issues & Security
Replies: 4
Views: 1160

Re: Vanguard website & Heartbleed security flaw

there is a main thread in the Personal Consumer Issues forum area - Go there --->>
http://www.bogleheads.org/forum/viewtopic.php?f=11&t=136922&newpost=2023347

/*
//
by ps56k
Thu Apr 10, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 22465

suggest name change - Personal Consumer Issues & Security

with the recent Heartbleed discussions, and you having to merge several threads..... I personally didn't know where to post this important info - so did coin toss - would like to suggest, since this stuff came up with Target and now with SSL that the "Personal" sub-forum get an additional ...
by ps56k
Thu Apr 10, 2014 5:12 pm
 
Forum: Forum Issues and Administration
Topic: suggest name change - Personal Consumer Issues & Security
Replies: 4
Views: 1160

Vanguard website & Heartbleed security flaw

OK - did an overall search - https://www.google.com/search?sitesearch=bogleheads.org&q=heartbleed there is a main thread in the Personal Consumer Issues forum area - Go there --->> http://www.bogleheads.org/forum/viewtopic.php?f=11&t=136922&newpost=2023347 [Thread merged into here, see b...
by ps56k
Thu Apr 10, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 22465

Re: Roth IRA - tax free - totally ?

yikes - this has really been interesting.... and now I have to keep going back & re-reading - Another thing popped into my head. What about using the potentially lower tax rate after retiring, and THEN doing the Roth Conversion, if it makes sense, when your tax rate might be really much lower th...
by ps56k
Tue Apr 08, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3022

Re: Roth IRA - tax free - totally ?

Now, so we can isolate the IRA effect, let's keep everything else equal, so we'll say you're still paying 25% in income taxes. If you had chosen the Roth IRA you pull the $6,000 out tax-free. If you used the Traditional IRA you pull out $8,000, pay $2,000 in income taxes, and are left with $6,000. ...
by ps56k
Tue Apr 08, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3022

Re: Roth IRA - tax free - totally ?

This is why there are IRAs and 401k/403b/etc. OK - Since we're here - what happens with a 403b ? This is the first year wife has contributed to her 403b. We are trying to use it to reduce our taxable income, and also add a little more for retirement. But then, where and how does it show up on the 1...
by ps56k
Tue Apr 08, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3022

Re: Roth IRA - tax free - totally ?

tnx all -
it just didn't seem like the gains wouldn't get taxed at some point in time by the gov...
just seemed too good to be true :)

I was also concerned about keeping all the paperwork for the contribution "basis",
like the 8606 for the Traditional IRA.
by ps56k
Tue Apr 08, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3022

Medicare - wanting basic info, choices, checklist

A couple of work friends have retired, and started with Medicare. I haven't started learning about Medicare, or a clue about the timeline checklist, options, plans, choices, etc... Is there anything here - or a common hotlink for a starting point ? They mentioned that you have to enroll 6 months bef...
by ps56k
Tue Apr 08, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - wanting basic info, choices, checklist
Replies: 7
Views: 466

Roth IRA - tax free - totally ?

Just wanted to check a basic question concerning Roth IRA's vs Traditional IRAs. With a Roth - you've already paid taxes on the money used to contribute, so there is no tax on that "basis" in the distant future when you withdraw. BUT - what about all the money accrued in the Roth IRA over ...
by ps56k
Tue Apr 08, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3022
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