Search found 308 matches

by Blueskies123
Wed Jun 20, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term Treasury ETF vs just buying Treasuries
Replies: 26
Views: 1151

Re: Short-term Treasury ETF vs just buying Treasuries

Hello, The iShares Short Treasury ETF (SHV) has an SEC yield of 1.84% and a duration of 0.39 yr. But apparently I can get a 3-month Treasury with an SEC yield of 1.97%. If I wanted to match the duration of the iShares ETF I could make a ladder of 9-month treasuries and that would give me an SEC yie...
by Blueskies123
Wed Jun 20, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: The Current Market
Replies: 22
Views: 1595

Re: The Current Market

I still recall this very clearly, the stunned look in my older co-workers expressions. 22% in one day.
https://en.wikipedia.org/wiki/Black_Monday_(1987)
by Blueskies123
Wed Jun 20, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 53
Views: 6900

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

OP here. I have finally decided on a strategy for my excess cash. I have begun the process to close my Ally no-penalty CD's (I have nine of them) and move the funds to Fidelity, where I plan to begin purchasing 6-month Treasuries. My intention is to make that investment in roughly six equal monthly...
by Blueskies123
Fri Jun 15, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15250

Re: Top Shelf Liquor Overrated?

I thought I would give Costco scotch a try based on recommendations I read on this thread. Oh, was I disappointed. I will keep it for mixing with coke but not for sipping. For $17 it was worth a shot. While there I saw they had Costco Irish whisky but for $33 I will wait until I can sample some befo...
by Blueskies123
Thu Jun 14, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15250

Re: Top Shelf Liquor Overrated?

I have tried Blue many times; as long as someone else was buying. I found it very good. $180 at Costco. I know someone that had all the colors including Platinum. I tried a little of each, the Blue blew them all away.
by Blueskies123
Wed Jun 13, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Bottom hit for bond market?
Replies: 7
Views: 1635

Re: Bottom hit for bond market?

I have already moved about 70% of my bond ETFs and mutual funds to 1 and 2 year Treasuries and CDs.
by Blueskies123
Wed Jun 13, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Two Year Old Leftover Car
Replies: 15
Views: 1305

Re: Two Year Old Leftover Car

If you want a shock, compare they price they are giving to you to the going price for two year old, very low mileage cars for sale on the internet. You will suffer a large amount of depreciation the moment you drive off the lot but if you plan to keep the car for 10 years it does not make a differen...
by Blueskies123
Tue Jun 12, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 65
Views: 5362

Re: Strategy for a prolonged bear market

I have not read posts on a prolonged bear market in bonds. Having lived though the 70's I have seen a decade long bond bear market as interest rates went up to 17.5%. My first mortgage was at 12.5%. I did not think that was too bad since my Fidelity money market fund was yielding 15% around that tim...
by Blueskies123
Tue Jun 12, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: The Deep History of Stock & Bond Returns
Replies: 75
Views: 4951

Re: The Deep History of Stock & Bond Returns

If I were not touch my portfolio for hundreds of years this might be useful but I am going to start tapping it in the next few years so the next few decades is what is important to me. Also, I suspect there is some survivor-ship bias in here. If your portfolio was in German, Russian, Chinese, and Ja...
by Blueskies123
Thu Jun 07, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: New issue CD. Mechanics of trading
Replies: 5
Views: 836

New issue CD. Mechanics of trading

In the last months I have started to buy individual treasuries and CDs. I have a few questions on new issue CDs. I was looking at the 2 year new issue CD from wellsfargo paying 2.8%. How do I know if there is a prepayment penalty option with the CD. I looked up the cusip number but found no informat...
by Blueskies123
Sat Jun 02, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 1686

Re: Microsoft Edge versus Chrome

I use Edge or Firefox for surfing. I have all my online banking and investment favorites in Chrome. When I use Chrome I never save any login for password information and flush the cache frequently. I think this gives me a bit more security but not sure how much more
by Blueskies123
Fri Jun 01, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15250

Re: Top Shelf Liquor Overrated?

The Wizard wrote:
Fri Jun 01, 2018 8:09 am
JPH wrote:
Fri Jun 01, 2018 7:27 am

If the placebo effect is real and adds to your enjoyment, then why not pay for it?
A most excellent observation, this...
These maybe the most anti-Boglehead comments ever written.
by Blueskies123
Thu May 31, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: 15% rate of return in last 15 years can I expect the same in next 16 years
Replies: 39
Views: 4076

Re: 15% rate of return in last 15 years can I expect the same in next 16 years

Is your real estate rental homes or apartments. You should be trying to make 15% on RE but future stock market returns are going to me much less.
by Blueskies123
Tue May 29, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: How To Store Blue Rhino Tanks Safely
Replies: 35
Views: 2707

Re: How To Store Blue Rhino Tanks Safely

If you live somewhere where the power can go out for a week you best have a spare tank for cooking and warming water to bath.
by Blueskies123
Mon May 28, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2149

Re: Best brand of appliances for new condo

I usually refer to consumer reports for purchases like this. Do you have access to one from friends or the library. You might be able to see some reviews online.
by Blueskies123
Sun May 27, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 105
Views: 7884

Re: US T bills - first time user

Kevin, the spreadsheets you are posting are very useful. Can you explain how you do them? I assume you are downloading all the bond data points from Fidelity and then sorting them. Can you give us a few sorting tips or send a link so we can download them?
by Blueskies123
Fri May 25, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Rum and Summer Cocktails
Replies: 30
Views: 2034

Re: Rum and Summer Cocktails

I second Kraken and coke
by Blueskies123
Fri May 25, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: When did this start?? [Restaurant tipping on total bill]
Replies: 58
Views: 3865

Re: When did this start??

Like others said most of the people on Bogleheads are either now or will become some of the most lucky and fortunate people on the planet. I had a couple of health scares this year and the last thing in the world I am worried about now is a few dollars going to hard working waitress.
by Blueskies123
Fri May 25, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 105
Views: 7884

Re: US T bills - first time user

I have been following this thread with some interest. I have been with Fidelity for 30 years and done a lot of trading over the years but never individual bonds. This last week I purchased my first Tbills, notes and CDs because the yields are so compelling vs ETFs and mutual funds with fees and pric...
by Blueskies123
Fri May 25, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5723

Re: Alexa Echo sent family's audio file to a contact

The device is pretty handy, but...you couldn't invent a better surveillance state device, one that people will pay money to install. Fortunately, all our conversation is pretty humdrum. :wink: In George Orwell's novel, 1984,my favorite scene is where Winston is talking with the landlord of the love...
by Blueskies123
Fri May 25, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5723

Re: Alexa Echo sent family's audio file to a contact

I am not concerned. All they would hear is me and wife arguing.
by Blueskies123
Tue May 22, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 105
Views: 7884

Re: US T bills - first time user

triceratop wrote:
Tue May 22, 2018 4:05 pm
bberris wrote:
Tue May 22, 2018 4:02 pm
Buy new issues if you can to avoid the spread. Some brokers charge some customers a fee, so check first. Or you can use treasury direct.
OP uses Schwab (I recognize the screengrab) which has no commissions and no markups on T-bills.
Same with Fidelity. I bought some today.
by Blueskies123
Sat May 19, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 224
Views: 32033

Re: 2-year CDs at Vanguard and Fidelity Today

I am new to looking at individual bonds and had a question. Looking at Fidelity's bond screens I see that at the two year maturity mark CD's beat Treasuries but I also noticed Agency bonds yielding very close to CD rates. They are rated AA+, not AAA. Are these Agency bonds really any less safe or li...
by Blueskies123
Fri May 18, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Bank CDs Vs. Brokerage CDs
Replies: 6
Views: 681

Re: Bank CDs Vs. Brokerage CDs

I was looking today at 1 and 2 treasuries and CDs on Fidelity. The rates were virtually identical.
by Blueskies123
Fri May 18, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: No Need For Corp Bonds?
Replies: 38
Views: 3928

Re: Larry Swedroe: No Need For Corp Bonds?

If nisiprius and dbr agree on something, it would be difficult for anyone to dissuade me otherwise. Have Vanguard intermediate bond funds ever suffered from bond defaults in a significant fashion? If you go to page 15 in this document: https://www.nber.org/papers/w15848 You can see there have been ...
by Blueskies123
Tue May 15, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6283

Re: Neighbor wants to use our land temporarily - let them or not?

First, your neighbor could have just used the land without asking so you are dealing with someone who seems to have character. I would keep it real simple and ask them to send you a signed letter absolving you of any liability from any activity or accidents. Do not come across and a lawyer. I would ...
by Blueskies123
Tue May 15, 2018 9:29 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9879

Re: Yes, I'm 89 all right!

It must be immensely satisfying to know you have changed the world for so many people.
by Blueskies123
Mon May 14, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4499

Re: Bed Bugs

Google can show you how to get rid of bed bugs.
by Blueskies123
Mon May 14, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Planning to buy car in next 6 months, please advise
Replies: 13
Views: 1476

Re: Planning to buy car in next 6 months, please advise

Don’t buy a 3 row vehicle for a situation that only occurs a couple times a year. Take two cars if needed to chauffeur your parents, or rent a larger vehicle for a few days. Even a used luxury car within your budget will cost more to fuel and maintain than a non-luxury model. So avoid luxury if kee...
by Blueskies123
Sat May 05, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: 2018 DFA Matrix Book Is Out
Replies: 3
Views: 664

Re: 2018 DFA Matrix Book Is Out

The PDF is a little hard to read, they seem to have two pages compressed down into one page in the PDF. I had to zoom in and zoom out a lot. Thanks for the link.
by Blueskies123
Tue May 01, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1417

Re: Flood Insurance

Totally worth the piece of mind I had a friend not in a flood zone in Texas flood 3 times in 10 years. Luckily they have flood insurance. I have flood insurance as well even though my house has never flooded just in case. Today's CBS morning show had a report on how claims are only paid at 50% of t...
by Blueskies123
Wed Apr 25, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: How to be a good executor to family
Replies: 44
Views: 3505

Re: How to be a good executor to family

Yes, I am the executor.
by Blueskies123
Wed Apr 25, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: How to be a good executor to family
Replies: 44
Views: 3505

Re: How to be a good executor to family

So this got me thinking about how to handle two issues I might soon have. Mom died a few months and Dad is not well. I will get right to my questions: 1) How did you handle the issue if my brother and I wanted the same few things? 2) My brother and I both have keys. I am concerned he might let him s...
by Blueskies123
Sat Apr 21, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Best Way to Decline an International Job Assignment
Replies: 23
Views: 1764

Re: Best Way to Decline an International Job Assignment

Any advice on how to tactfully decline an international job assignment? You haven't provided any information for us to help you. Why do you not want the transfer? The truth is usually the best approach. Apologies. It’s not really a transfer. It would require onsite work in a different country for m...
by Blueskies123
Fri Apr 13, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 1843

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

I have replaced appliances where they are so much more economical that they pay for themselves. Two new 5 ton high efficiency conditioners - $150/ month electric savings is south Florida New washer dryer - electric and water savings using Eco mode and damp dry. about $50/month Refig. does not use mu...
by Blueskies123
Mon Apr 09, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 44334

Re: Name something you had to have and now you regret purchasing it?

I bought too big of an emergency generator. It burns 5 gallons of gas in less than 8 hours.

I could mention our GMC Yukon Denali and all the maintenance problems but I do not think you wanted to turn this into a car thread.
by Blueskies123
Mon Apr 09, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 8987

Re: Regrets of the frugal and dying?

Anyone living through the great depression, (no not the great recession) lived in terror of being old and poor. I doubt most people dying today have regrets about being frugal since many of them remember glimpses of the depression. Maybe in 20 years things will be different. Once exception might be ...
by Blueskies123
Mon Apr 09, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any simple strategies that can help us squeeze better returns?
Replies: 45
Views: 3159

Re: Are there any simple strategies that can help us squeeze better returns?

Repeat after me:
I will never use margin
I will never use margin
I will never use margin
I will never use margin
I will never use margin
I will never use margin
by Blueskies123
Wed Mar 21, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: [Federal Reserve hikes interest rate]
Replies: 34
Views: 4205

Fed raises the fed rate, markets do not look efficient

[Thread merged into here, see below. --admin LadyGeek] I know why bond funds go down when the Fed raises rates (or other long term rates go up), but I find it odd that on the day the Fed raises rates by 25 basis points BND goes down .25%. If the markets are efficient then these rate increases shoul...
by Blueskies123
Mon Mar 12, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: does anyone invest in microcaps?
Replies: 14
Views: 2654

Re: does anyone invest in microcaps?

I will second the last part of what Nisiprius said. As a retired CPA I had to audit a number of micro-caps. I will never invest in micro-caps.
by Blueskies123
Tue Feb 27, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 8378

Re: Physical cash

If you live in a disaster prone area you should have several K. I have seen the power out of 6 weeks in a near by town and I have been without power for a week twice in 23 years. Stores only took cash.
by Blueskies123
Thu Feb 22, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3064
Views: 945233

Re: What Book Are You Currently Reading? Part VI

The Lessons of History by Will and Ariel Durant. At first I was disappointed by how short the book was but the writing is sublime. I had forgotten how captivating people used to be able to write, not so much these days. I was able to read it in about week spending an hour to two each day. I had to g...
by Blueskies123
Sat Feb 03, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Why GNMAs Shouldn't Be Your Bond Choice
Replies: 70
Views: 5508

Re: Why GNMAs Shouldn't Be Your Bond Choice

I also noticed there is very little discussion about GNMAs. I have had them for probably 20 years in my bond portfolio. I have read the Wiki about posting pictures but I still find it cumbersome to snap a pic from Portfolio Visualizer. PV only had 10 years of data but the GNMA had the best Sortino R...
by Blueskies123
Thu Feb 01, 2018 7:32 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 9310

Re: Fewer acronyms please

Agreed, ticker symbols should always be followed by their proper name.
by Blueskies123
Thu Feb 01, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: SYK - Stryker
Replies: 4
Views: 378

Re: SYK - Stryker

Everyone in the world thinks the same thing. Unless you have some key inside information on new products every biotech analyst already knows this about the company. Having said that it is fun to speculate with 1-2% of you portfolio. Have you though about when to sell? How have your other speculative...
by Blueskies123
Wed Jan 31, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease -- High Residual Value -- what am I missing?
Replies: 49
Views: 5134

Re: Car Lease -- High Residual Value -- what am I missing?

I have been in the leasing business. From time to time manufacturers get their forecasted residuals wrong for various reasons. You need to get it the return fees in writing but they will still find a way charge you thousands.
What is the cost to rent on a few weekends a month.
by Blueskies123
Tue Jan 30, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Is this new car the smarter option?
Replies: 24
Views: 1839

Re: Is this new car the smarter option?

If people are going to keep a car for 10 years or 20 years (I have a 1999 Ford Expedition - still runs and looks great) buying new is the way to go. Especially if it is a Toyota or Honda.
by Blueskies123
Sun Jan 28, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 4538

Re: Certified Used BMW, Audi or Mercedes

JD Power says the Koreans are most reliable. MB is above average. Lexus and Toyota are average. Audi is appalling. http://d1arsn5g9mfrlq.cloudfront.net/sites/default/files/2017085a.jpg I am surprised Rover isn't at the very bottom. Lol. My neighbor has one. I think they are personal friends with th...