Search found 4225 matches

by TheTimeLord
Sat Jul 08, 2017 10:09 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11734

Re: "Bond wipeout has just begun"???

All the pundits were saying rates were headed much higher this year; look at EDV, Vanguard's Extended Duration Treasury ETF (duration 24.7 years!). It's up 8.7% this year. According to Vanguard it is up 6.09% YTD, as of 7/7/2017, but was up 8.74% YTD, as of 6/30/2017, WOW! Also if you look at the 1...
by TheTimeLord
Sat Jul 08, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Re: Migrating Equities from Tax Deferred to Taxable

I'm starting to try to figure out the same thing. My question is why would you put the tax deferred money in taxable instead of converting it to a Roth? Either way you are paying ordinary taxes to take it from tax deferred. I know if it's in taxable you can TLH, but if it's in a Roth you can take t...
by TheTimeLord
Sat Jul 08, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13699

Re: Anyone else gotten totally bored with investing?

Investing? Boring? Well, maybe with traditional funds. And real estate/flipping houses can be a little time consuming. However, investing can still offer surprises. Hear about the high school drop-out who invested in bitcoin at $12 and is now a millionaire? It might be a little late to get into tha...
by TheTimeLord
Sat Jul 08, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Nominal Returns
Replies: 15
Views: 1223

Re: Nominal Returns

I am reading where many professionals are saying the next 10 years we should expect a 4.4% nominal return for a 60/40 balanced fund. Does that mean the real return would be something like 1.1%? Also, looking forward I am saving more, but do you think 4.4% nominal is too optimistic or too pessimisti...
by TheTimeLord
Sat Jul 08, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Ally 11 month no penalty CD
Replies: 7
Views: 902

Re: Ally 11 month no penalty CD

Yes, I have taken advantage of this offer.
by TheTimeLord
Sat Jul 08, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11734

Re: "Bond wipeout has just begun"???

midareff wrote:Hmmmm... Ally is offering 1.5% interest on an 11 month CD that can be broken after the first six days penalty free, and you keep earned interest. Savings is also up to 1.15%


I have taken advantage of this offer.
by TheTimeLord
Sat Jul 08, 2017 9:57 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 25924

Re: Roll Call for the Retirement Class of 2017!

. . . that is what I was referring to with "what you really really want to do". Yes, and TimeLord, you may not be able to intellectually figure this out, you may have to just experiment with different possibilities. The different things that work may not actually make the most intellectua...
by TheTimeLord
Sat Jul 08, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11734

Re: "Bond wipeout has just begun"???

My belief is that the great bond bear market ended in 2013 since the "taper tantrum." It seems like bond prices have been fluctuating around a mean since. Every time I think the Intermediate and Long Term interest rates are moving up, they start heading down again. Pretty much noise. We w...
by TheTimeLord
Sat Jul 08, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11734

Re: "Bond wipeout has just begun"???

There is no "Bond wipeout" that I have seen. I also see that inflation is still benign. Despite short term interest rate hikes by the Fed, the Intermediate and Long parts of the yield curve have hardly budged. The US Treasury 30 year bond still yields under 3%. I am seeing an approximate ...
by TheTimeLord
Sat Jul 08, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11734

Re: "Bond wipeout has just begun"???

There is no "Bond wipeout" that I have seen. I also see that inflation is still benign. Despite short term interest rate hikes by the Fed, the Intermediate and Long parts of the yield curve have hardly budged. The US Treasury 30 year bond still yields under 3%. I am seeing an approximate ...
by TheTimeLord
Sat Jul 08, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13699

Re: Anyone else gotten totally bored with investing?

Extremely bored with investing at the moment. Basically feel like I am finishing up, just crossing my "T"s and dotting my "I"s. I am just about at the point where all I will be doing is plugging numbers into my spreadsheet and making the adjustments indicated by the calculations....
by TheTimeLord
Sat Jul 08, 2017 8:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 25924

Re: Roll Call for the Retirement Class of 2017!

There's no way to escape this cycle, you're doomed. Actually, there is a way; two parts to it: 1) arrange for net retirement income slightly higher than your present net income while working; 2) do preliminary planning for at least a dozen weeks of adventuring away from home the first year of retir...
by TheTimeLord
Sat Jul 08, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2434

Re: How best to invest 10 years of expenses in Fixed Income

rgs92 wrote:SPIA? [Fixed annuity.]


I think I am still too young to effectively utilize a SPIA. My impression is they are most effective for people once they are over 70.
by TheTimeLord
Sat Jul 08, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2434

Re: How best to invest 10 years of expenses in Fixed Income

One other thing I would look at is to just change all your other investments to not automatically reinvest dividends, capital gains distributions, and bond interest payments. While the investments might change in value as the markets swing and interest rates change I don't think that the actual div...
by TheTimeLord
Fri Jul 07, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Re: Migrating Equities from Tax Deferred to Taxable

There are a few things I see in your calculations that I don't per se agree with the way they are being applied. But let's start with a start forward scenario where someone has $500,000 in fixed income in Taxable and $500,000 in stocks in tax deferred then and decides to migrate some of their Taxed...
by TheTimeLord
Fri Jul 07, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Re: Migrating Equities from Tax Deferred to Taxable

If I read you correctly formulas apply to new contributions. This is a rearranging of existing deposits so I don't see how grossing up would be applicable. I am pretty sure you are apples and oranges on what you are doing because you are assuming only new contributions and that all contributions ar...
by TheTimeLord
Fri Jul 07, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Re: Migrating Equities from Tax Deferred to Taxable

For something like Total Market you aren't going to incur any significant amount of taxes unless you sell, correct? So aren't those gains essentially as tax deferred as a 401K or an IRA? Or am I missing something? True. In 2016 VTSAX paid out roughly 0.5% in capital gains and qualified dividends so...
by TheTimeLord
Fri Jul 07, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Re: Migrating Equities from Tax Deferred to Taxable

I assume what you are talking about is increasing your bond/fixed income allocation in tax deferred, while increasing your equity allocation in taxable (i.e. you are buying and selling within each account rather than transferring funds). This makes sense from a tax efficiency perspective. The only ...
by TheTimeLord
Fri Jul 07, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Re: Migrating Equities from Tax Deferred to Taxable

I am wrestling with this dilemma as well. Not yet factored in is the fact that in tax deferred one is benefiting from the gains from the portion of the balance that would have been taxed, but for the opportunity to shield these funds in tax deferred. True, one pays full income tax on withdrawals, b...
by TheTimeLord
Fri Jul 07, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Forbes
Replies: 12
Views: 785

Re: Forbes

sport wrote:I just received an offer for a very inexpensive subscription to Forbes magazine. Do you think that publication is worthwhile?


Do you own a bird? If so it may be worth it.
by TheTimeLord
Fri Jul 07, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Re: Migrating Equities from Tax Deferred to Taxable

If you move all your equity to taxable you will be in position to harvest some great losses in the next down turn. That is what we did. Our equity was in deferred due to unique situation with spouse's pension - normally I would not have held equity in deferred accounts. Yes, that is definitely anot...
by TheTimeLord
Fri Jul 07, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Re: Migrating Equities from Tax Deferred to Taxable

I am planning to migrate as many of my equity holdings as I can from my Tax-Deferred space to the Taxable space as I prepare for retirement while still maintaining my AA and keeping a 3 year Fixe Income buffer (10 years overall) in the Taxable space. What are the potential downsides to this strateg...
by TheTimeLord
Fri Jul 07, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Re: Migrating Equities from Tax Deferred to Taxable

Using Tax exempt doesn't solve the issue of capital gains being taxed a ordinary income instead of capital gains or the likely increase in RMDs from keeping your Equities in Tax Deferred space. Also, I assume you want to reduce Tax Deferred space from retirement to 70.5 to minimize RMDs. This can b...
by TheTimeLord
Fri Jul 07, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1134

Re: Proposed AA - Please critique

I see way too many funds. That was my initial reaction as well. IMHO complexity should only be added when you have a clear expectation of receiving a meaningful benefit. But I am getting old and really starting to embrace the conceptual simplicity of the 3 Fund portfolio with a very little in the w...
by TheTimeLord
Fri Jul 07, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Re: Migrating Equities from Tax Deferred to Taxable

So 3 years fixed income, 100% stocks in taxable, all bonds in tax-deferred? What is the ratio of taxable to tax-deferred? If we have 40-50% drop, taxable will take the brunt. That is your pipeline to replenish fixed income. Seems not necessary. Use tax-exempt bonds in taxable and keep taxable a bit...
by TheTimeLord
Fri Jul 07, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Migrating Equities from Tax Deferred to Taxable
Replies: 27
Views: 1205

Migrating Equities from Tax Deferred to Taxable

I am planning to migrate as many of my equity holdings as I can from my Tax-Deferred space to the Taxable space as I prepare for retirement while still maintaining my AA and keeping a 3 year Fixe Income buffer (10 years overall) in the Taxable space. What are the potential downsides to this strategy...
by TheTimeLord
Fri Jul 07, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: For retirement at 55 what is a good multiplier?
Replies: 43
Views: 5079

Re: For retirement at 55 what is a good multiplier?

I am almost there...I originally shot for 50X but after reflection went with 62.5X...I should hit it this year... : ) I increased it because of the uncertainty of healthcare... This is a good thing? Was this achieved to due to insane returns, generous pension, frugal lifestyle or very high compensa...
by TheTimeLord
Thu Jul 06, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: For retirement at 55 what is a good multiplier?
Replies: 43
Views: 5079

Re: For retirement at 55 what is a good multiplier?

I am almost there...I originally shot for 50X but after reflection went with 62.5X...I should hit it this year... : ) I increased it because of the uncertainty of healthcare... This is a good thing? Was this achieved to due to insane returns, generous pension, frugal lifestyle or very high compensa...
by TheTimeLord
Thu Jul 06, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Paying estimated taxes
Replies: 31
Views: 3883

Re: Paying estimated taxes

Hello all, I'm looking at changing how my taxes are paid this year. I would like to pay an estimated tax quarterly. Whats the best way of going about this? Go straight to a CPA? Thanks Each year after doing the previous year's taxes my CPA provides me with the minimum amount I need to pay each quar...
by TheTimeLord
Thu Jul 06, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2434

Re: How best to invest 10 years of expenses in Fixed Income

What I did eight years ago with a similar goal: I bought 5 CDs of 1,2,3,4 and 5 year maturities, each holding 2 years spending. Then each year I take from the matured cd the amount I need for the next year's spending, put it in a money market account, and roll over the rest into a new 5 year cd. Th...
by TheTimeLord
Thu Jul 06, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2434

Re: How best to invest 10 years of expenses in Fixed Income

A little worried about using bonds funds instead of individual bonds which would benefit from an ever shortening maturity in the face of a rising rate environment. Why can't you get that with a bond fund? (You can.) Yes, but I never see that recommendation here so I sort of discounted it as a possi...
by TheTimeLord
Thu Jul 06, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2434

Re: How best to invest 10 years of expenses in Fixed Income

Checking $10k minimum 1 year in a savings/money market @ ~1% 1 year Limited-Term Tax-Exempt 8 years Intermediate-Term Tax-Exempt Your assumption is 100% of the money is currently in a Taxable account? Currently this is not the case and I will likely be realigning my investments so more of it is act...
by TheTimeLord
Thu Jul 06, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2434

Re: How best to invest 10 years of expenses in Fixed Income

What I did eight years ago with a similar goal: I bought 5 CDs of 1,2,3,4 and 5 year maturities, each holding 2 years spending. Then each year I take from the matured cd the amount I need for the next year's spending, put it in a money market account, and roll over the rest into a new 5 year cd. Th...
by TheTimeLord
Thu Jul 06, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2434

How best to invest 10 years of expenses in Fixed Income

I have set aside 10 years of expenses in fixed income which I plan to start withdrawing once I retire in the next 6-30 months. Suggestions for the best way to invest this money in a rising interest rate environment? Only real limitation is that 1 year of expenses be available for withdrawal without ...
by TheTimeLord
Tue Jul 04, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds or TIPS?
Replies: 46
Views: 3725

Re: Bonds or TIPS?

Are individual bonds and TIPS that you are willing to hold until maturity a better play in a rising interest rate environment than Bond or TIPS mutual funds and ETFs? Or CDs for that matter.
by TheTimeLord
Tue Jul 04, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13248

Re: Bogleheads: you should be buying 10-year old cars

Sometimes I read these threads and think the goal of life must be to live in a perpetual state of delayed gratification so you can die covered by satin sheets with your head gently resting on a goose down pillow. So on one hand we know one excellent way to save money is to buy used cars in good cond...
by TheTimeLord
Tue Jul 04, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13248

Re: Bogleheads: you should be buying 10-year old cars

Interestingly, I don't mind driving a 10 year-old car that I've owned but i don't like the idea of buying a 10 year-old car that somebody else owned. I just don't know what's been going on in that car and whether I should be wearing a hazmat suit or not. But, I probably should be wearing one even i...
by TheTimeLord
Tue Jul 04, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13248

Re: Bogleheads: you should be buying 10-year old cars

For all those folks saying they need the latest safety features, how do they rationalize the fact that they've been driving "unsafe" vehicles all that time previously? Wouldn't the rational thing have been not to drive at all? In fact, they risked more years ( being younger) driving those...
by TheTimeLord
Tue Jul 04, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4258

Re: Anyone bought a Pixel?

Like the looks and features of the Google Pixel smartphone, but a lot of coin. Priced like an iPhone - unlocked for about $650 on Google store. Is it worth it? So your BH strategy is to buy a 10 year old beater car and a new premium smartphone every few years? Seems odd but the only thing you reall...
by TheTimeLord
Tue Jul 04, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4258

Re: Anyone bought a Pixel?

CULater wrote:Like the looks and features of the Google Pixel smartphone, but a lot of coin. Priced like an iPhone - unlocked for about $650 on Google store. Is it worth it?


So your BH strategy is to buy a 10 year old beater car and a new premium smartphone every few years?
by TheTimeLord
Wed Jun 28, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning costs
Replies: 36
Views: 2955

Re: Cat teeth cleaning costs

From my experience the blood test from your cat's annual exam can be used if the dental is done within 2 or 3 months of the exam. $202 sounds like the price for onsite blood tests that day instead of being sent out to a lab. The evaluation fee confuses me, don't understand what it is for (is it clea...
by TheTimeLord
Tue Jun 27, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 38768

Re: Regret early retirement/downsizing

Admittedly my "advice" is jaded since I am approaching retirement age (61) after a 20 + year career as a Registered Nurse. Most of my patients are in their later years with cardiac conditions, other vascular conditions which clearly diminish the quality of their lives, especially those wi...
by TheTimeLord
Mon Jun 26, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: The 5 Pitfalls of Mutual Funds by,....
Replies: 22
Views: 2147

Re: The 5 Pitfalls of Mutual Funds by,....

Don't know why people are feeling defensive (didn't read the article or watch the video) but there are certainly issues with mutual funds. It just happens that the upsides usually outweigh the downsides. But here are some of the downsides: Additional expenses (expense ratio kind of stuff) Lots of b...
by TheTimeLord
Sat Jun 24, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mediator for ownership division of primary home
Replies: 46
Views: 1726

Re: Mediator for ownership division of primary home

I must be misunderstanding because your mom's position she owns 80% seems totally unreasonable or she owes your stepdad a ton of back taxes and maintenance. What percentage of the purchase price was the down payment?
by TheTimeLord
Fri Jun 23, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 3665

Re: Worthwhile TV programming?

If you are interested in learning a bit about cooking you might try the Food Network. Or try HGTV is you are interested in remodeling a house or just staring at The Property Brothers.

http://www.foodnetwork.com/

http://www.hgtv.com/
by TheTimeLord
Thu Jun 22, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: IRA friendly MLP's
Replies: 2
Views: 248

Re: IRA friendly MLP's

Are there any that don't require K-1 or have any other tax implications? Thanks Sam I believe you do not get K-1s for MLP ETFs, Mutual Funds or CEFs. Also there is a type of Kinder Morgan that while technically not a MLP may accomplish what you are looking for. Here is a link to an article describi...
by TheTimeLord
Thu Jun 22, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 111
Views: 14611

Re: Ally Bank 1.25% 11 month with no EWP

1.5% now for amounts larger than $25K . . . tempted. This is a healthy temptation. Some of us have already given in. Victoria So should people trade in their 1.25% Ally CDs and buy 1.5% Ally CDs? I have opened three $25k No-Penalty 11-month CDs within the last couple weeks. The one I opened on 10 J...
by TheTimeLord
Thu Jun 22, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 6832

Re: Your Favorite Portfolio Tilts

I like a U.S. Total Market tilt.