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Re: What do you splurge on?

1) Trips to Dallas to see Cowboys games.
2) I collect graded Dallas Cowboys football cards from the 1960's.
3) Lunch out of the office each day, although this is a mental health type of thing and well worth the cost.
4) Computer hardware. Although not as much as I used to.

:beer
by stevewolfe
Fri Nov 21, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you splurge on?
Replies: 103
Views: 4899

Re: is 3.20% Vanguard brokered CD best deal around?

I'd never lock up money for 10 years at only 3.2%, especially with the Fed so close to raising interest rates. It will start next year already. It was supposed to start this fall. Markets expect them to do what you say, but there is no guarantee. Never is a long time. When they start raising rates ...
by stevewolfe
Sun Nov 16, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4224

Re: Bogle: No TIPS/Inflation Bonds

No offense, but why would anyone care what Mr. Bogle holds or does not hold in one's portfolio? He is 85 or so, a multimillionaire, with a lie expectancy of less then 10- 20 yrs. Unless you are the same (which I doubt) then his PERSONAL portfolio should have no influence of your PERSONAL portfolio....
by stevewolfe
Sun Nov 09, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: No TIPS/Inflation Bonds
Replies: 36
Views: 7690

Re: Do IBonds make sense living in a high inflation area

0% yield! I do not see the upside. All bonds have an expected inflation component. Any good short or intermediate term bond fund will provide safety and income in a portfolio. Total Bond Index and Intermediate Tax Exempt are two very good options. 0% real yield. 1.48% nominal yield. I bond can't de...
by stevewolfe
Sat Nov 08, 2014 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 2767

Re: Are you buying I bonds in 2014? And if so, for what role

My IPS says I need a floor of 20% of my fixed income to be in inflation protected bonds. So I need to buy inflation protected bonds each year as I am in the accumulation phase. I sold out of my TIPS fund a few years ago, so unless that becomes a more attractive option next year, I'll be buying more ...
by stevewolfe
Fri Nov 07, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are you buying I bonds in 2014? And if so, for what role?
Replies: 46
Views: 5445

Re: When do you buy a new home computer?

Last two computers I purchased for home were: 1) Lenovo Thinkpad T420 with Core i-5 2520M 2.5 ghz dual core + hyper threading, 16gb RAM, 120gb Intel 520 series SSD + 750gb 7200 rpm disk (Ubuntu 14.04 LTS is the OS). 2) Home built AMD FX-8350 8 core 4.0ghz, 32gb ECC RAM, 240gb Intel 530 series SSD + ...
by stevewolfe
Fri Nov 07, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 3992

Re: CD rate change schedule

Surprised to see you write that Penfed rates are down. As far as I can see they went UP on Oct 1 and are still up, certainly from '13 and earlier this year. I grant they are down from several years ago. 5 year was 2.1% and 7 year was 2.3% yesterday (2014-10-31). Today they are both 1.75% at PENFED....
by stevewolfe
Sat Nov 01, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: CD rate change schedule
Replies: 10
Views: 2537

Re: iPad Air 2 - 16 or 64 Gig?

Respectfully, I have to ask what does an ipad 2 air 64 GB have for $129 more than a Nexus 9 32 GB that makes it worth the money? Beyond the additional 32 GB. I too can afford it and tend to keep my devices until they die, but its a case of $10 wine or 4 bottles of $30 wine. I'm all for paying for s...
by stevewolfe
Sat Nov 01, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 3152

Re: which bond is good to buy in this market

Hello, Your asset allocation is 50% stock and 50% cash. You asked about a bond fund to replace cash. You mentioned a 5 year horizon. You didn't mention if this was taxable or tax deferred money. You didn't mention an amount of money. You might get more suggestions if you did. :beer Shot in the dark ...
by stevewolfe
Sat Oct 18, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: which bond is good to buy in this market
Replies: 4
Views: 698

Re: Anyone cancelling travel plans?

I think so. We were in Dallas 3 weeks ago for the Cowboys - Saints game (Cowboys fan) when the news broke the first US case was confirmed there. I'm going back to Dallas for the Colts game in December. News would have to change significantly from what is going on now to get me to cancel the trip. I ...
by stevewolfe
Sat Oct 18, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6411

Re: Headed for a 300+ point loss today?

I'd love to be proven wrong but I won't be. To have ALL your wealth in CDs is absurd. Even the most conservative of alternatives is a better option. Having said that, I will say for the tenth time that having all your wealth in a product that won't even keep up with inflation is never the right thi...
by stevewolfe
Sat Oct 11, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34333

Re: Blood work for cats

I'm sure this varies from place to place, but each time our vet has done bloodwork on our cat it has been in support of a diagnosis or verification of a follow up treatment. And they did the blood work there - for about 1/4 of what you were going to be charged. May be worthwhile to see if you just l...
by stevewolfe
Sun Sep 21, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2643

Re: I've never been a fan of commodity funds

What is the annual max purchase of I-bonds? Well, it is $10K per year per social security number, so for a couple, they save $20K per year, and after 10 years have invested $100K in principal. So, if they have a $1M portfolio, they could have more than 10% of that in TIPS built as a long term strat...
by stevewolfe
Sat Sep 13, 2014 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: I've never been a fan of commodity funds
Replies: 28
Views: 2348

Re: Are there any real total bond funds?

If you have the time and wherewithal to write this post, you can construct your own family of funds quite easily. This is a yawning non-issue. This pretty much sums up my thoughts on this. If you have taken the time to investigate something not in TBM - you are the type of person that can add somet...
by stevewolfe
Sat Sep 06, 2014 7:55 am
 
Forum: Investing - Theory, News & General
Topic: Are there any real total bond funds?
Replies: 65
Views: 3182

Re: Why invest in bonds?

If you are willing to assume that (1) There won't be another crash in the next 5 years , and that (2) The next crash will be no deeper than 50% then it appears safe to put all your money in stocks, Have fun. BTW, you can have whatever opinion you'd like, but I can tell you that even if there is not...
by stevewolfe
Sun Aug 31, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6765

Re: someone who claimed at 62 got an 8% increase this year

I'd tell your wife that the risk isn't the foregone benefits if you die early - the risk lies in outliving the full benefit you should be receiving. (Plus, where else can you get 8% right now, with a full government guarantee?) MInor thing - I believe the OP is the wife, so this would be informatio...
by stevewolfe
Fri Aug 22, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3222

Re: Favorite Athlete

Troy Aikman, former quarterback of the Dallas Cowboys. Three time Super Bowl champion.Set the (then) record for most wins by a quarterback in a decade in NFL history.
by stevewolfe
Sun Jul 20, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Favorite Athlete
Replies: 22
Views: 849

Re: [Poll] If all active funds have ER= 0.05%, will you buy

No, not at all. I wouldn't buy them with 0% ER. I'm really surprised with the number of yes votes. I guess gambling is more popular than I thought. Sorry but calling investing in an actively managed fund gambling is over the top for me. Particularly for me since my actively managed investment speci...
by stevewolfe
Thu Jul 03, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2998

Re: Paul Merriman article: every investor needs Small Cap Va

This is one of those agree to disagree type of things.

Savings rate is much more important. Starting early is much more important. Matching risk aversion to portfolio allocation between stocks and bonds is more important.

This horse is dead Jim.
by stevewolfe
Fri Jun 27, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman article: every investor needs Small Cap Value
Replies: 127
Views: 7450

Re: Stock / Bonds Allocation

40% stock
60% fixed income
42 / 40 years old.
by stevewolfe
Tue Jun 24, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Stock / Bonds Allocation
Replies: 48
Views: 2594

Re: [Poll] If all active funds have ER= 0.05%, will you buy

I have owned active funds for 15 years. I also own index funds. I would love to pay 0.05% instead of 0.71% for T. Rowe Price Capital Appreciation (which I've owned for the whole 15 years and posted about here many times). I would love to pay 0.05% for Vanguard Inflation Protected Bond instead of 0.2...
by stevewolfe
Sun Jun 22, 2014 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2998

Re: How do you spend your "fun money"?

Vintage graded football cards :)
by stevewolfe
Thu Jun 19, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you -gamble- your "fun money"? (if you do)
Replies: 28
Views: 1558

Re: Expense Ratio - what's too high?

I draw the line around .8%. I am happy when the total return for a fund is in the top 25% of similar funds. I guess I have not drunk enough of the koolaid, but this allows holding some very good funds like PIMIX at .45%, PRWCX at .73%, BERIX at .68%, and GLRIX at .79%. I agree with the above and I ...
by stevewolfe
Mon Jun 16, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 3077

Re: Cutting the cable cord - how did you do it?

We didn't completely because it didn't make economic sense. Here's what I mean: We have broadband internet through the cable company. At the time we were going to cut (4 years ago in August), it would've cost us more to eliminate cable than to get the first 23 channels. This is because the first 23 ...
by stevewolfe
Sat Jun 14, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4834

Re: HY Savings, CDs, I-bonds, TIPS, Treasury Fund

I'll give up 46 basis points of yield (the current difference b/w the stable value and vbtix) if it means spending 5 more minutes doing things I love instead of analyzing if/when to go in and out of fixed income options. On a $100k investment, 46 basis points is $460. That's a pretty stiff return f...
by stevewolfe
Sat May 24, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: HY Savings, CDs, I-bonds, TIPS, Treasury Fund
Replies: 16
Views: 2840

Re: Post your current AA

Age: 42 / 40 AA: 40% stocks / 60% Fixed Income. 40% stocks: 70% US (Vanguard Total Stock Market + T. Rowe Price Capital Appreciation) 30% International and Emerging markets (Vanguard FTSE All-World Ex-US) 60% Fixed Income: 20% US Series I Savings Bonds 80% Nominal fixed income: 15% Vanguard Retireme...
by stevewolfe
Fri May 23, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Post your current AA
Replies: 41
Views: 2320

Re: Anyone know the new I-Bond Rate ?

Streptococcus wrote:Better stick with a 5 year barclay cd at 2.25%

2.25% > 1.94%, but that's just the first six months. After that which is better is anyone's guess.
by stevewolfe
Thu May 01, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 1669

Re: Anyone know the new I-Bond Rate ?

Nice. The EE now pays a better rate than a two year treasury. That's still not as good a deal as online savings or similar term CDs. But getting better.
by stevewolfe
Thu May 01, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 1669

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

So the speculation back in November 2013 when the US Treasury shockingly set the I-Bond fixed rate at 0.20% while also setting the EE bond rate at 0.10% was that this was a way for the Treasury to influence folks into buying the I-bond over the EE bond with it's guarantee to double in 20 years. This...
by stevewolfe
Sat Apr 19, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 35
Views: 6070

Re: Vanguard Total International (VTSAX) - Taxable Account

sscritic wrote:These discussions hurt my brain; that's why I have both Totals in my taxable account.


This. We do the same.
by stevewolfe
Fri Apr 18, 2014 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2820

Re: Converting i-bonds to electronic

Since the site was unhelpful I'm curious why are you thinking you'd like to continue with the electronic conversion vs. keeping them in a safe deposit box, etc?
by stevewolfe
Tue Apr 15, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting i-bonds to electronic
Replies: 7
Views: 674

Re: 5 yr TIPs auction announced 4/10- any takers?

[OT comments removed by admin LadyGeek]


Response to OT comments removed by admin LadyGeek
by stevewolfe
Sat Apr 12, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: 5 yr TIPs auction announced 4/10- any takers?
Replies: 36
Views: 4414

Re: Stock markets in free fall?

So what 20 year old do you know who is bond heavy? I was a 20 something that was bond heavy (we've been between 30% stocks and 40% stocks since we started investing 16 years ago). I used Vanguard's Asset Allocation Models and historical worst one year performance to arrive at my stock allocation ba...
by stevewolfe
Sat Apr 12, 2014 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 7352

Re: Stock markets in free fall?

Lets look at current bond facts. The current yield on BND is 2.2% and the BND portfolio has a duration of 5 years. The current spread between the 5-yr treasury and the 5-yr TIPS is 2.2% (the current best estimate of inflation). So on a pre-tax basis you are getting 0% real yield. On an after tax ba...
by stevewolfe
Sat Apr 12, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 7352

Re: Why pay off your house?

Isn't housing a life-long cost? IF you factor it as a constant cost into retirement, do you need to rush to pay it off now? If yes, what about the loss of a tax deduction? Don't you want your money more liquid than dependent on the real estate market? Confused..... Why should I factor housing as a ...
by stevewolfe
Sat Apr 05, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 9186

Re: Stable Value Funds

See if your plan can provide the market value / book value ratio for the fund. This will give you an idea of whether or not the bonds that are held are currently being accounted for as a value that is less than or greater than their current market value if a catastrophic event where to occur and the...
by stevewolfe
Sat Apr 05, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Funds
Replies: 12
Views: 957

Re: Dave Ramsey on Bonds

How correct is Dave when it comes to bonds. https://www.youtube.com/watch?v=iRtFDvGORQk When he said "he wasn't investing in savings bonds, but I do recommend cashing those in at all times" I stopped listening to the video. He's entitled to his opinion, but he's not entitled to me sufferi...
by stevewolfe
Sat Mar 29, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey on Bonds
Replies: 17
Views: 3679

Re: I bonds: mathematics for when to cash in for higher rate

On the other hand I-bonds only allow you to defer the tax on the earnings from your initial after tax investment. The earnings are still taxed. I guess this is splitting a hair. In the post above I mentioned I planned to use these I-Bonds in early retirement. Presently, I can redeem enough in I-bon...
by stevewolfe
Sun Mar 23, 2014 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: I bonds: mathematics for when to cash in for higher rate
Replies: 13
Views: 2248

Re: I bonds: mathematics for when to cash in for higher rate

I think a lot of people overestimate the tax advantages of I-Bonds at current yields. Assume a $10,000 investment, 2% inflation rate, a 40% tax rate during the full 30 years, and 15% tax rate on the year that you cash in your I-Bonds. After 30 years, the 0%+2% inflation I-Bonds will be worth $18,11...
by stevewolfe
Sun Mar 23, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: I bonds: mathematics for when to cash in for higher rate
Replies: 13
Views: 2248

Re: I bonds: mathematics for when to cash in for higher rate

Right, but even if I've been buying the max every year, I would still want to sell all of my 0% I-Bonds if 5-year TIPs yields were at 3%. I'm not sure what premium I'd put on the reduced downside interest rate risk. Unfortunately, I don't think that there is a marketable product that is directly co...
by stevewolfe
Sat Mar 22, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: I bonds: mathematics for when to cash in for higher rate
Replies: 13
Views: 2248

Re: TIPS Intermediate Fund vs. International Bond Fund

I think the best non-overlapping fund to diversify Total Bond Market index is the other bond fund you own abuss368 - Vanguard Intermediate Term Tax Exempt. If I was going to accumulate inflation protected bonds, I'd buy I-bonds (I do and have for years) or individual TIPS at auction in a ladder and ...
by stevewolfe
Fri Mar 21, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Intermediate Fund vs. International Bond Fund
Replies: 35
Views: 3091

Re: Difference - Ttl Intl Stock Mrkt Indx & All Wrld ex-US i

pradador wrote:Small caps are usually a small percentage of the total market as it is which is why you see very similar performance.


This. They are a very good tax loss harvesting pair as they perform very similarly - kind of like S&P 500 index vs. US Total Market index, but even closer most of the time.
by stevewolfe
Sat Mar 15, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Difference - Ttl Intl Stock Mrkt Indx & All Wrld ex-US indx?
Replies: 3
Views: 421

Re: What's a reasonable composite expense ratio?

12 basis points here. Personally I'd not go above 25 basis points if at all possible, and anything above 50 basis points to me would be highway robbery. Highway robbery? So in my 401(k) we have two primary bond options: Vanguard Total Bond Market Index Investor shares with an ER of 0.20%, a duratio...
by stevewolfe
Sat Mar 15, 2014 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 3425

Re: What's a reasonable composite expense ratio?

Combined 0.299% across all accounts (includes 10% CD's and 10% I-bonds at 0.00%).
by stevewolfe
Fri Mar 14, 2014 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 3425

Re: Anti-virus for Mac?

I run no anti-virus on my linux machines nor on the Mac Mini I use as a home theater PC (there are no windows machines on this network).
by stevewolfe
Sun Mar 09, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 4606

Re: your lowest exspense ratio fund in 401

Lowest is Vanguard Index 500 Investor shares at 0.17% ER. I emailed the 401(k) investment committee with a suggestion of trying to switch to signal share class to reduce expenses (we also have investor shares of Total Bond at 0.20%, Inflation Protected Bond at 0.20%, Extended Market index at 0.24% a...
by stevewolfe
Sun Mar 09, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1649

Re: is 4gb memory, 500gb hd adequate for new desktop?

for a non gaming pc, do you really need 8gb memory and 1tb hard drive? This would be running windows 8.1. Used for internet browsing, spreadsheets, videos, pictures, etc. Is there a performance difference between 4g mem, 500g hd vs 8g, 1tb? thanks I would get 8gb of RAM and a solid state drive inst...
by stevewolfe
Sat Mar 08, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 2424

Re: Why the love for target date funds?

The proper advice to a 25-year-old opening a Roth IRA shouldn't be "VFFVX" - it should be "Vanguard recommends funds made up of 63% domestic stocks, 27% international stocks, and 10% bonds for someone your age - and here's why." Ah we are down to the individual percentage in ass...
by stevewolfe
Sun Mar 02, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 4455

Re: Stable Value Rate Below "Guaranteed Minumim"?

3% minimum was likely instituted before an interest rate climate like today was envisioned. On one hand I can understand you being upset, on the other hand you pay taxes and does an artificially high rate of return seem fair to you (now imagine you aren't the beneficiary of said artificially high ra...
by stevewolfe
Sat Mar 01, 2014 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stable Value Rate Below "Guaranteed Minumim"?
Replies: 17
Views: 1259

Re: Where to buy polo shirts?

All American Clothing Company. Polo shirts made in the USA (by King Louie America) for $26.99. Can't beat it with a stick. :beer
by stevewolfe
Thu Feb 27, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy polo shirts?
Replies: 63
Views: 11182
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