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Re: Question about junk bonds.

Thanks for the replies. It seems they might have a place one's portfolio if rates do rise.
My small 1% will be interesting to watch.
by rfburns
Sat Oct 05, 2013 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Question about junk bonds.
Replies: 11
Views: 890

Re: Question about junk bonds.

as long as we don't have a recession short term junk bond funds should perform well in a rising interest rate environment. This is my take on reading also. To find out I put 1% of my fixed income in Pimco High Yield class G (PHYDX). I guess I can answer my own question when rates do rise. Just look...
by rfburns
Fri Oct 04, 2013 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Question about junk bonds.
Replies: 11
Views: 890

Re: Question about junk bonds.

I know what junk bonds are and have read the wiki. Also searched here with google. Hence my question for the bond guru's around here.

Edit: I see there is a similar topic started. I had not read it when I posted my question, but it is ironic of the timing.
by rfburns
Fri Oct 04, 2013 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Question about junk bonds.
Replies: 11
Views: 890

Question about junk bonds.

I've scoured around and don't see much specific mention about how junk bonds might perform in a rising rate environment. I've read that high yield bonds are considered volatile like stocks. Perhaps even counted on the stock side of an AA. Does that mean they will behave like stocks in a rising rate ...
by rfburns
Fri Oct 04, 2013 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: Question about junk bonds.
Replies: 11
Views: 890

Re: To convert to natural gas heating ..... or not

$4000 to bury underground pipe 15' (even boring under a sidewalk) is outrageous. I would plead my case with them that your plan includes an emergency backup space heater in addition to a water heater. They are in the business to sell gas after all. Ask about installing your own line and they set the...
by rfburns
Sun Sep 29, 2013 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: To convert to natural gas heating ..... or not
Replies: 56
Views: 3990

Re: To convert to natural gas heating ..... or not

Codes are different in different jurisdictions. I sounds like in your case they want to be responsible for the line up to the house and including the meter there. Other jurisdictions all for the meter to be at the tap of the main line and the homeowner is responsible for the line up to the house. In...
by rfburns
Sun Sep 29, 2013 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: To convert to natural gas heating ..... or not
Replies: 56
Views: 3990

Re: To convert to natural gas heating ..... or not

So are you saying the only way to get "free" gas service installation is to replace your oil fired boiler? If so, ask a plumber how much to set risers and bring a service line up to your house. If it's reasonable do it and leave it capped off until you need service in the future. Again an ...
by rfburns
Sun Sep 29, 2013 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: To convert to natural gas heating ..... or not
Replies: 56
Views: 3990

Re: To convert to natural gas heating ..... or not

Yea, that's lousy. But what if you said you wanted to also add an space heater for emergency heat. They are small, efficient and relatively low priced. Or some other appliance i.e., cookstove, gas dryer, and etc. I would want to be ready for disaster and in the meantime use a cleaner and less costly...
by rfburns
Sun Sep 29, 2013 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: To convert to natural gas heating ..... or not
Replies: 56
Views: 3990

Re: To convert to natural gas heating ..... or not

How much would it cost to have natural gas service brought to the house? I think they will require one NG device ready to be fitted. For instance switch to a NG water heater now and then just wait. It should add value to your home and you will be set if your oil boiler should need replaced sooner ra...
by rfburns
Sun Sep 29, 2013 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: To convert to natural gas heating ..... or not
Replies: 56
Views: 3990

Re: Economical car buy

Best option is to look for a low mileage car for it's age. Ford Focus, Honda Civic, and etc. Ones with 30 MPG or better. Cars can go well beyond 200k if maintained properly these days. For age shop around the 3 or higher year old models. FWIW I still drive a 20 year old Ranger every day.
by rfburns
Fri Sep 27, 2013 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Economical car buy
Replies: 8
Views: 1006

Re: Time to sell some company stock - sell the biggest winne

Are you able to sell enough stock with loss equal to the amount of stock with gain for tax purposes?
by rfburns
Sun Sep 08, 2013 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to sell some company stock - sell the biggest winners?
Replies: 16
Views: 798

Re: Reliable Desktop? How much?

Honestly, I just pick a refurb or open box, HP or Dell usually, from Woot when I need a new one. $250 - $300 for my needs. Without looking hard I found this. http://deals.woot.com/deals/details/67608b4c-1b91-4834-b001-036cee3fe04a/hp-pavilion-p7-1534-a8-quad-core-8gb-1tb-7560d-win-8-desktop-open-box...
by rfburns
Fri Aug 30, 2013 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Reliable Desktop? How much?
Replies: 31
Views: 1855

Re: Oil vs Propane?

however, it seems like the authors of the studies always have a dog in the race. I'm no author and have no dogs in the race. I would switch to propane and buy the largest tank I could afford. That gives the ability to buy during the times of year when prices are lowest and storing so as not to be a...
by rfburns
Thu Aug 29, 2013 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Oil vs Propane?
Replies: 35
Views: 4872

Re: rec for $500 to spend as play money

You could devise an experiment of you choice.
Try to be a market timer and track your results.
How about choosing a falling sector with high risk i.e., EM, Reits, long term bonds, and etc.
Can you catch a falling knife in under a year? 2 years?
by rfburns
Sun Aug 25, 2013 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: rec for $500 to spend as play money
Replies: 27
Views: 1785

Re: Watch experts - I need some advice

Ryebrook wrote:I have decided to purchase a watch for my wife to commemorate our first born child (due in October).

Is this meant to be a 'surprise' gift? I ask because watches are a rather personal accessory. Might you casually bring up the subject again and ask her to pick a few styles she likes?
by rfburns
Sat Aug 24, 2013 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1142

Re: Specified Lot Cost Method at Schwab

Be aware there was a requirement that whatever method you choose when first selling must continue to be used forever or until you have sold out of your position completely. If this is no longer true, someone will correct me.
For taxable accounts specific lot accounting is advised.
by rfburns
Thu Aug 22, 2013 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Specified Lot Cost Method at Schwab
Replies: 13
Views: 706

Re: new job 3.5 hours away

Do you still have a mortgage on your house?
What would you do with in the meantime? Rent it out, use a weekend getaway?
by rfburns
Mon Aug 19, 2013 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: new job 3.5 hours away
Replies: 21
Views: 2223

Re: 24 year old seeking taxable and emergency fund advice

In that case I agree with BL. I-Bonds would be an excellent choice to bring your bonds allocation up. I think $10k is the annual limit now.
by rfburns
Wed Aug 14, 2013 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 year old seeking taxable and emergency fund advice
Replies: 6
Views: 648

Re: 24 year old seeking taxable and emergency fund advice

Are you maxing out all of your retirement options at work and individual already?
I would do that before adding to a taxable account.
by rfburns
Wed Aug 14, 2013 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 year old seeking taxable and emergency fund advice
Replies: 6
Views: 648

Re: Recordkeeping fee in 401k

My 457b charges a flat fee of $3 per quarter. That's cheap I know. $10.50 per quarter would not deter me if I didn't have something cheaper. The key is to get started. That $42/year will become a miniscule percentage as you continue to invest and your balance grows. You have excellent offerings. Eve...
by rfburns
Tue Aug 13, 2013 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recordkeeping fee in 401k
Replies: 6
Views: 679

Re: Questions to ask planners

Skip the planners and don't waste your time.
Welcome and congratulations! You have found the best place to ask questions right here.
by rfburns
Fri Aug 09, 2013 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions to ask planners
Replies: 2
Views: 379

Re: My refrigerator is doing weird things

Well, this morning, just for grins, I plugged it back in and lo and behold, it is cooling.

This is the perfect description of a frozen evaporator. It works again because you gave it time to thaw out.
So the likely culprits in order are defrost timer, evaporator fan motor, and defrost element.
by rfburns
Thu Aug 08, 2013 7:39 pm
 
Forum: Personal Consumer Issues
Topic: My refrigerator is doing weird things
Replies: 12
Views: 1049

Re: Utilities gas bill

This is how the breakdown looks like. Seems like the pilot light is consuming a lot of gas. I am afraid to attempt to switch off the pilot light myself. Is there a way to shut off the gas for the whole house in summer just like we do with water? TOTAL THERMS (TH) USED 26.6 DISTRIBUTION SERVICE DIST...
by rfburns
Wed Aug 07, 2013 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Utilities gas bill
Replies: 23
Views: 1880

Re: Car Worth Repairing?

I would get more estimates for that tranny. A good foreign X-mission shop should have a re-built one and take yours for core value.
So my vote is yes to repair if all other about the car is good.
by rfburns
Wed Aug 07, 2013 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Worth Repairing?
Replies: 20
Views: 1636

Re: Tips for successfully building up a good credit history?

In your situation I would set the Autpay to pay the minimum balance due.
Then I would send payment for the full balance (less minimum) to arrive a week before due date.
I do this myself.
by rfburns
Wed Aug 07, 2013 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Tips for successfully building up a good credit history?
Replies: 7
Views: 608

Re: Negotiating on a price for heating/ac installation

Like others have said, it depends. How in need are you? If you can wait you will likely save money and have more time to vet A/C contractors. Ask your friends and neighbors who they use. A professional installation will start saving you money on day one. A shoddy installation will start wasting a sm...
by rfburns
Wed Aug 07, 2013 12:39 am
 
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 3934

Re: Blue Sky Restrictions

I should mention I'm looking at CD offerings at Schwab. Does one just ignore this blue sky nonsense if it doesn't pertain?
by rfburns
Thu Aug 01, 2013 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Blue Sky Restrictions
Replies: 5
Views: 787

Re: Blue Sky Restrictions

It doesn't make sense to offer some financial products in all 50 states -- a good example would be a state-specific muni bond fund. Agreed. It begs the question then why do small banks i.e., Safra National Bank and Bank of North CA pay these fees to not be 'blue listed'? And why would for instance ...
by rfburns
Thu Aug 01, 2013 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: Blue Sky Restrictions
Replies: 5
Views: 787

Blue Sky Restrictions

I searched the forum, but did not find answers to my questions. I was researching current CD yields and came across this term. It seems some bank CD's are not offered in all states due to 'blue sky restrictions'. OK, but what seems odd is that some large well known banks have this restriction and ot...
by rfburns
Thu Aug 01, 2013 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Blue Sky Restrictions
Replies: 5
Views: 787

Re: Liquidating Ric-E Trust

How unfortunate for your mother. And as you know she meant well for you. I dug this up, so I can see anyone falling for it back then. It turned out to be a period of excess in the markets. http://www.washingtonpost.com/wp-srv/business/talk/transcripts/singletary/singletary072799.htm The old article ...
by rfburns
Tue Jul 30, 2013 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dissolving Ric-E Trust
Replies: 38
Views: 2407

Re: Central Air Sizing Question - Buying a Condo

I expected the seller to decline replacing the air handler and fix everything else. To my surprise, he offered to replace the air handler if I would take care of everything else. This is the current system in the condo, it's 1.5 tons. Goodman GSH13 Heat Pump - installed in 2008. Goodman ARUF SmartF...
by rfburns
Fri Jul 26, 2013 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Central Air Sizing Question - Buying a Condo
Replies: 17
Views: 1306

Re: Lump sum vs car loan pay off

Pay off the car. That leaves about $4k to splurge on something worthwhile, i.e. vacation or paying down mortgage principal. Then get back what you were doing before. Just my two cents.
by rfburns
Fri Jul 26, 2013 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs car loan pay off
Replies: 13
Views: 1126

Re: Is $3/mo reasonable for HSA account maintenance fee?

No it's not reasonable. Problem is all the other alternatives are even less reasonable. On a $6450 annual family contribution, it's a 0.5% load. Blech. Check your math. 0.005% =$32.25 per annum of $6450 correct? I estimated that 1% of $6450 is $64.50. And $3 x 12 mo = $36. So 0.5% is what I'm getti...
by rfburns
Fri Jul 26, 2013 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is $3/mo reasonable for HSA account maintenance fee?
Replies: 19
Views: 1449

Re: Is $3/mo reasonable for HSA account maintenance fee?

letsgobobby wrote:No it's not reasonable. Problem is all the other alternatives are even less reasonable. On a $6450 annual family contribution, it's a 0.5% load. Blech.

Check your math. 0.005% =$32.25 per annum of $6450 correct?
by rfburns
Thu Jul 25, 2013 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is $3/mo reasonable for HSA account maintenance fee?
Replies: 19
Views: 1449

Re: Reuse Old Stone? [From home demolition]

Limestone is strong. Sandstone is weak. I would want to save the stones if they were strong.
If you decide to keep them, buy some good oak pallets to store them on for the future.
by rfburns
Thu Jul 25, 2013 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Reuse Old Stone? [From home demolition]
Replies: 8
Views: 1002

Re: Is $3/mo reasonable for HSA account maintenance fee?

$36 per year? That's cheap in my opinion to own John Bogle's favorite fund.
by rfburns
Thu Jul 25, 2013 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is $3/mo reasonable for HSA account maintenance fee?
Replies: 19
Views: 1449

Re: Reuse Old Stone? [From home demolition]

Please tell us what type of stone. Sandstone, Limestone, other?
by rfburns
Thu Jul 25, 2013 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Reuse Old Stone? [From home demolition]
Replies: 8
Views: 1002

Re: Credit card or Cash discount for prepaid travel?

I would think we have better protection paying with the CC, but the payment on the CC payment will also be due before our trip occurs. So my question is: Does the CC offer any protection if the trip had been prepaid and then there is a problem? You will have to prepay either way. I would rather use...
by rfburns
Tue Jul 23, 2013 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card or Cash discount for prepaid travel?
Replies: 4
Views: 360

Re: Salary Raise - What to do?

You ramp up your retirement saving by 2% and go on like nothing happened. Seriously, it should be easy to do if this is your company's retirement plan.
by rfburns
Mon Jul 22, 2013 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Salary Raise - What to do?
Replies: 13
Views: 2273

Re: What Do You Use to Track Your Credit Scores???

Once a year when I pull my free Equifax credit report I purchase their proprietary score report. I started using Credit Karma and found they track about the same. I stagger my reports out so I request a new one every 4 months.
by rfburns
Mon Jul 22, 2013 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Use to Track Your Credit Scores???
Replies: 20
Views: 1287

Re: Behavioral Finance: non-typical personalities?

I think it comes down to this: there is the underlying assumption that all investors have a common personality, or at least share several common core characteristics. Agreed. But you rose above average to become a Boglehead. Bogleheads are not exactly common, so it seems more related to putting in ...
by rfburns
Sat Jul 20, 2013 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Behavioral Finance: non-typical personalities?
Replies: 52
Views: 4160

Re: Free books for kindle?

I like to browse here every few days. Woot!
http://deals.woot.com/deals/search?q=kindle+books
by rfburns
Sat Jul 20, 2013 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Free books for kindle?
Replies: 17
Views: 1978

Re: portfolio too complicated?

Simple beats complicated most of the time. Based on what? Human behavior perhaps? On what do you base the assertion? What evidence do you have that it's true for Bogleheads? Brian I have no evidence of what is true for Bogleheads, but I suspect Bogleheads as a group do slice and dice more and put m...
by rfburns
Sat Jul 20, 2013 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio too complicated?
Replies: 14
Views: 1750

Re: changed goals-- how to reinvest savings?

Since you have a sound investment plan it might be prudent to put a portion of your house savings into the market. But I would not put 50%. Maybe 20% with 5 years out.
by rfburns
Fri Jul 19, 2013 10:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: changed goals-- how to reinvest savings?
Replies: 6
Views: 798

Re: portfolio too complicated?

Default User BR wrote:
rfburns wrote:Simple beats complicated most of the time.

Based on what?
Brian

Human behavior perhaps?
by rfburns
Thu Jul 18, 2013 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio too complicated?
Replies: 14
Views: 1750

Re: changed goals-- how to reinvest savings?

We've discussed moving a little less than half of the CD over to our long-term portfolio at Vanguard

Please tell us what makes up your long-term portfolio for better discussion.
by rfburns
Thu Jul 18, 2013 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: changed goals-- how to reinvest savings?
Replies: 6
Views: 798

Re: Ground Source Heat Pumps?

An excellent source of information can be found here:
http://www.igshpa.okstate.edu/
by rfburns
Wed Jul 17, 2013 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Ground Source Heat Pumps?
Replies: 19
Views: 1212

Re: portfolio too complicated?

Too complicated? It is for me.
Keep the REIT. Choose one bond fund. Choose one EM fund. Skip Small Caps. Use S&P 500 with Developed Europe.
A 5-fund world portfolio. Simple beats complicated most of the time.
by rfburns
Tue Jul 16, 2013 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio too complicated?
Replies: 14
Views: 1750
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