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Re: Corporate bond funds? Tips? Long term bond funds? Yes or

Thanks for the help. Ogd, much appreciated that other thread you linked. You mentioned if inflation heats up, an intermediate fund would catch up to tips due to interest rates but wouldn't tips also increase interest rates on new additions to the tips fund as well as giving final payment adjusted fo...
by rai
Thu Nov 27, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 7
Views: 590

Re: Corporate bond funds? Tips? Long term bond funds? Yes or

It would be helpful if you gave me a suggestion such as 25% tips 25% long 50% total bond Or some helpful rules of thumbs. I know people have different thoughts so if you could give me an argument for or against tips, dedicated corporate bond fund and dedicated long term bond fund. All funds will be ...
by rai
Wed Nov 26, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 7
Views: 590

Corporate bond funds? Tips? Long term bond funds? Yes or no?

I'm in the process of cleaning up my allocations. Not so much the stock/bond ratio but more just figuring out my bond allocation. Couple of questions. -Been reading how corporate bonds are more correlated to stocks and also are more often callable, but may have better income, however they say take t...
by rai
Wed Nov 26, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond funds? Tips? Long term bond funds? Yes or no?
Replies: 7
Views: 590

Re: Girlfriend with a LOT of Student debt.

No one has mentioned it, but perhapse she has some other 'assets' that make her a keeper?
by rai
Wed Nov 26, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 12681

Re: Girlfriend with a LOT of Student debt.

Maybe you can come to a happy middle ground, maybe you can worry less about saving and she can worry more. But I don't think its possible for most people to be as focused on saving and low debt and low cost investing as most Bogleheads. You are talking to the 1% of savers, maybe not the top earners,...
by rai
Tue Nov 25, 2014 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 12681

Re: Girlfriend with a LOT of Student debt.

So far her philosophy has been to not let the debt ruin her life. She talks of trips to Europe, and seems to be ok with paying it off slowly over the next 20-25 years until forbearance. This stresses me out. Does she know what it is doing to your life? She does not seem to be in tune with your feel...
by rai
Mon Nov 24, 2014 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 12681

Re: Girlfriend with a LOT of Student debt.

She talks of trips to Europe, and seems to be ok with paying it off slowly over the next 20-25 years until forbearance. I hate that we all seem to be piling on as GF is not around to defend herself. But Myself and my wife both are in the top 3% of earners and yet we have not been to Europe and were...
by rai
Mon Nov 24, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 12681

Re: Girlfriend with a LOT of Student debt.

She talks of trips to Europe, and seems to be ok with paying it off slowly over the next 20-25 years until forbearance. I hate that we all seem to be piling on as GF is not around to defend herself. But Myself and my wife both are in the top 3% of earners and yet we have not been to Europe and were...
by rai
Mon Nov 24, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 12681

Re: Girlfriend with a LOT of Student debt.

Have any of you paid off over 200k in college debt before (that isn't a Dr or an Ivy league lawyer) working middle class jobs? Is this possible? We paid off double that (but we're both MDs). I think you need to think about $1-$2K a month for 10-20 years don't you think? It would drive me bonkers if...
by rai
Mon Nov 24, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 12681

Re: What do you splurge on?

investingdad wrote:
rai wrote:I own seven pinball machines.

Getting one is on my list for the game room, which ones do you have?

There only one that I want...World Cup Soccer, it's what I played in college.

Any advice?

I sent you a PM

I have:

Pirates of the Caribbean
Spiderman
Iron Man
AcDc
Tron
X-Men
Star Trek
by rai
Mon Nov 24, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 150
Views: 9195

Re: What do you splurge on?

I own seven pinball machines.
by rai
Sun Nov 23, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 150
Views: 9195

Re: Vanguard offers login security code

ddunca1944 wrote:Thanks for posting this. I've just activated mine.
by rai
Sun Nov 23, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 70
Views: 6167

Re: What is the $$ value of delaying retirement a month?

Does OP have full maximum social security 35 years maximum. If not how much the extra month will fill in the lower recorded periods or replace zeros with positive numbers. Or smaller years with larger years. I know, SS is counted by the years but if you have not established the maximum contribution ...
by rai
Thu Nov 20, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the $$ value of delaying retirement a month?
Replies: 24
Views: 1465

Re: Another bond fund question do I need short term in my 40

Unless you are earmarking money for short-term use, you don't need a separate short-term fund. Total Bond Market Index holds short-term, intermediate-term, and long-term bonds, so it serves the same purpose as holding three separate funds such as Short-Term, Intermediate-Term, and Long-Term Bond In...
by rai
Wed Nov 19, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another bond fund question do I need short term in my 401k?
Replies: 7
Views: 477

Re: Bought more international today

Thanks for the update.
by rai
Wed Nov 19, 2014 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought more international today
Replies: 2
Views: 635

Another bond fund question do I need short term in my 401k?

We are in the middle of switching over out pension plan with more than a million combined. Prior to this we had what I would call boutique funds or some made up funds that were not really well disclosed, so for instance we would have 'taxable bond fund' or 'short term taxable bond fund' but I was no...
by rai
Wed Nov 19, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another bond fund question do I need short term in my 401k?
Replies: 7
Views: 477

Re: Heads up one of the better reward credit card I've seen.

lhl12 wrote:Increasingly, I see gas stations quoting two prices per gallon: one for cash and a higher one for credit. The differential usually more than offsets the benefits of a card like this one.

Not around here, I have seen that happen but it's more rare than normal.
by rai
Wed Nov 19, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Heads up one of the better reward credit card I've seen.

I have a question about the Sallie Mae CC when it says 'book stores' does that include Amazon and everything they sell for instance electronics etc..? Edit: asked and answered: I looked it up, seems as if Amazon sales count as long as they are sold directly from Amazon and not a third party operati...
by rai
Wed Nov 19, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: I may not make my retirement goals! What to do?

Answer: Frankly I underestimated my cost of living. This is why I am scared to retire early. If working can be broken down into segments sometimes the first part is getting out of debt buying a house etc.. The second part getting the kids through school and paying off house The last part is interes...
by rai
Wed Nov 19, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3373

Re: I may not make my retirement goals! What to do?

Forgot: Second reason:Once the market recovered I reduced my stock allocation drastically. I was suspecting this. Market timing or fear. I'm never understanding why some people are scared of stocks that the feel like they are safer without. To me only the super wealthy truly have enough to live off...
by rai
Wed Nov 19, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3373

Re: I may not make my retirement goals! What to do?

Erwin, what went wrong with this plan? For Those In Retirement: Why I Am Not Worry! Seems like the markets have served as a tailwind since you made that post in 2008. What went wrong? Did you underestimate your costs in retirement? MB Very curious myself to see what happened since 2008 that has occ...
by rai
Wed Nov 19, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3373

Re: I may not make my retirement goals! What to do?

Was looking around how these artificially low rates are particularly hard on retirees who desire to have low risk but rely on return from bonds to live.

http://www.businessweek.com/articles/20 ... -in-a-bind
by rai
Wed Nov 19, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3373

Re: I may not make my retirement goals! What to do?

Seems like low bond rates are a female dog. I was curious if the calculations look any better if bond rates rise in the future? Myself, I never plan to be less than 50% equity even in retirement. I always disliked the 'age in bonds' mantra and it seems as if with super low bond rates, that philosoph...
by rai
Wed Nov 19, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3373

Re: Heads up one of the better reward credit card I've seen.

I have a question about the Sallie Mae CC when it says 'book stores' does that include Amazon and everything they sell for instance electronics etc..? Edit: asked and answered: I looked it up, seems as if Amazon sales count as long as they are sold directly from Amazon and not a third party operatin...
by rai
Wed Nov 19, 2014 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Heads up one of the better reward credit card I've seen.

Regarding the sallie Mae CC, that is better in regards to gas up to $250/mo but in my situation I'm better off using a combination of cards. My reckoning for gas is $700-$800 a month, groceries maybe $200-300 a month which is harder to say since we do a lot of purchases as Costco which is not eligib...
by rai
Wed Nov 19, 2014 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Heads up best reward credit card I've seen.

We use our classic Discover card for all of this. Not sure I"m getting the best deal. Classic Discover is 1% on everything, and then some quarters with 5% gas or 5% on-line stores (usually cap of $1500) I only use Discover now when it's those 5% periods, and even then I run out of gas room in ...
by rai
Tue Nov 18, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Heads up best reward credit card I've seen.

This Amex blue cash preferred gives 6% off grocery stores up to $6000 annual and 3% off gas and department stores unlimited. I use my fidelity CC for 2% off everything, but we spend a lot on gas! this card has a $75 annual fee but gets a free $100 cash back bonus if you spend $1000 in the first thr...
by rai
Tue Nov 18, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Heads up best reward credit card I've seen.

Wow thanks, didn't know about pen fed glad I started this thread. I've been missing out on a lot of free money.

Is there a limit on pen fed gas rewards?
by rai
Tue Nov 18, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Heads up best reward credit card I've seen.

... we spend $10,000 in gas a year... :shock: 4 cars, two kids in private school no bus, kids activities, two working adults, our parents both live 2-4 hrs drive away we drive (est.) 60-65k miles a year. I'm saying our gas mileage is closer to 23 mpg we are in large vehicles. I know this is off top...
by rai
Tue Nov 18, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Heads up best reward credit card I've seen.

An additional 6% off of groceries would be nice. However, I already save 20%-40% by buying my groceries at Aldi's, which does not accept credit cards. 3% on gas year round is nice, but there are other offers out there. I walk to work, so likely wouldn't be able to outpace the $75/year fee too easil...
by rai
Tue Nov 18, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Heads up one of the better reward credit card I've seen.

This Amex blue cash preferred gives 6% off grocery stores up to $6000 annual and 3% off gas and department stores unlimited. I use my fidelity CC for 2% off everything, but we spend a lot on gas! this card has a $75 annual fee but gets a free $100 cash back bonus if you spend $1000 in the first thre...
by rai
Tue Nov 18, 2014 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Want to add bonds to taxable account.

Great idea! Had not thought of this :oops: You do realize that you might have to sell stocks during a crash in order for this to work, don't you? Above, you indicated that you would not be comfortable doing that. Are you now OK with that idea because you can turn around and buy stocks at the same l...
by rai
Sun Nov 16, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to add bonds to taxable account.
Replies: 25
Views: 1025

Re: Want to add bonds to taxable account.

Dandy wrote:I use VG's Limited Term Tax Exempt

Thanks as well.
by rai
Sun Nov 16, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to add bonds to taxable account.
Replies: 25
Views: 1025

Re: Want to add bonds to taxable account.

I think "placing cash needs in a tax advantage account" is a great solution for you given the size of your taxable account. http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account If your not familiar, it boils down to holding low-risk investments in tax-deferred spa...
by rai
Sun Nov 16, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to add bonds to taxable account.
Replies: 25
Views: 1025

Re: Want to add bonds to taxable account.

retiredjg wrote:once you reach the magic number, they switch your shares. Not on that exact day, but in a reasonable time.

thanks for answering both questions.

also thanks to all who answered my questions.
by rai
Sun Nov 16, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to add bonds to taxable account.
Replies: 25
Views: 1025

Re: Want to add bonds to taxable account.

Hi Rai, As it sounds like the "at will" part is the most important I would stick with the short term us government bond fund or another alternative EF is to setup a HELOC, no closing costs, no carrying costs, and available for 10 years in most cases and the interest creates a tax shield. ...
by rai
Sun Nov 16, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to add bonds to taxable account.
Replies: 25
Views: 1025

Re: Want to add bonds to taxable account.

Perhaps build a bond ladder at Tresurary Direct. They offer direct purchase(IOW no commission or fees of any type) of any offered US note/bill/bond. ~Moshe Sounds complicated, I was looking for a simple bond fund or funds that I could add to periodically and that I will be able to take money out at...
by rai
Sun Nov 16, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Want to add bonds to taxable account.
Replies: 25
Views: 1025

Re: Want to add bonds to taxable account.

Also don't forget that Treasury bond dividends are exempt from state income taxes. state tax is 5.75% (federal 39.6%) I was looking at VBIRX (short term total bond) VSGBX (short term federal) VSIFX (short term treasury) VFSTX (short term corp) VWSTX (short term mini) Also, I was curious what happen...
by rai
Sun Nov 16, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Want to add bonds to taxable account.
Replies: 25
Views: 1025

Want to add bonds to taxable account.

Without going into my entire portfolio, I just want to ask specific advice about what bond fund to add to my taxable account. My situation, I don't have any emergency fund per se. I have a very large taxable account that would be equal to 3-4 years of spending, I have long term disability insurance ...
by rai
Sun Nov 16, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Want to add bonds to taxable account.
Replies: 25
Views: 1025

Re: what is the actual value of my tax deferred accounts?

Don't forget that there is no capital gains in the shelter, whereas in your taxable account you sell an appreciated fund, you will owe some capital gains, not as much as Income tax, but it's still not face value in your taxable accounts ( unless you are lucky enough to have some tax loss to cover th...
by rai
Fri Nov 14, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: what is the actual value of my tax deferred accounts?
Replies: 53
Views: 3766

Re: 30% In International Stocks?

Just had a side question, but I'm trying to figure ifInternational are worse than US stocks outside of a tax shelter? Or the same? For my personal situation, I am in the top US tax bracket, full Medicare tax on dividends as well. I thought you get some type of foreign tax credit if you hold internat...
by rai
Fri Nov 14, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 5769

Re: How can I convince my wife to accept investing??

Get this http://www.amazon.com/Investing-For-Dummies-Eric-Tyson/dp/1118884922 And/Or http://www.amazon.com/Little-Book-Common-Sense-Investing/dp/0470102101/ref=sr_1_1?ie=UTF8&qid=1415777018&sr=8-1&keywords=john+bogle+common+sense Simple to read. Some people have not a clue, it's good to ...
by rai
Wed Nov 12, 2014 2:24 am
 
Forum: Investing - Help with Personal Investments
Topic: How can I convince my wife to accept investing??
Replies: 54
Views: 4513

Re: AA...any other crazy 80/20 folks out there?

I'm 49, currently 82:18 but plan on transitioning to 75:25 at 50:25:25 us:international:bonds.

Don't plan on going past 40% bonds ever.

I do not count it as part of my AA but reducing my fixed income due to SS which both myself and wife will be near the maximum. Plus paid off home.
by rai
Fri Nov 07, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 4811

Re: Bond funds as a savings vehicle?

I use Intermediate Term Tax Free and Total Bond for savings vehicles. :happy How would this compare with MUB? http://quotes.morningstar.com/chart/fund/chart.action?t=VWITX&region=usa&culture=en-US&dataParams=%7B%22zoomKey%22%3A6%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22def...
by rai
Wed Nov 05, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds as a savings vehicle?
Replies: 19
Views: 1728

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

Yippie, I'll turn 50 next year so I can add the catch-up for the first time.
by rai
Thu Oct 30, 2014 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7488

Re: When people put all their eggs in the wrong basket

taught me the lesson of not letting the tail (taxes) wag the dog. NOTE: this fund never represented much more than 7 - 8% of my taxable portfolio (and less than 1% of the total portfolio), but at one point it had around 55% embedded capital gains - that is it was worth more than twice what I had in...
by rai
Wed Oct 29, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28919

Re: where should I allocate my Fixed Income portion?

john94549 wrote:Widen your horizons to CDs.

Sorry if I was not clear, but these are my choices in my 401k plan, not CDs
by rai
Mon Oct 13, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: where should I allocate my Fixed Income portion?
Replies: 7
Views: 712

where should I allocate my Fixed Income portion?

I have my Stock/Bond allocation set to my liking, but I need to allocate my Fixed income portion. I am 49 and wife is 47 we plan to work another 13 to 15 years during which we will be contributing our max (which is like $45k/50K (each) since we are highly compensated employees). I plan to retire at ...
by rai
Mon Oct 13, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: where should I allocate my Fixed Income portion?
Replies: 7
Views: 712

Re: Can you trade options for free?

I trade options, mostly I sell puts. I believe this is the safest method as it's free money if you manage to avoid getting your contract executed. If you do get executed at least you are buying the stocks at a discount. Some of my best ever buys have been forced from executed options. For example if...
by rai
Thu Oct 09, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you trade options for free?
Replies: 3
Views: 366

Re: 401K fund choices, (advice)

As it happens, I own some TGBAX in my current 401K, but I've already reduced my allocation once and I've been wondering about getting rid of it entirely. It's a managed fund with no currency hedging, so you have currency risk and manager risk on top of the 0.61% expense ratio. If I had VBTLX availa...
by rai
Wed Oct 08, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K fund choices, (advice)
Replies: 4
Views: 347
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