Search found 1242 matches

by jimkinny
Mon Feb 01, 2016 6:04 pm
Forum: Investing - Theory, News & General
Topic: relationship Bonds an interest rate
Replies: 4
Views: 541

Re: relationship Bonds an interest rate

Suppose I bought $10000 of a bond index fund. If feds increase interest rate to 0.5%, what will happen to my yield and the price of each share? If feds decrease rate to 0%, what happens? If feds decrease to -.25%, what happens? Thanks. Maybe nothing will happen. this stuff is market driven for the ...
by jimkinny
Fri Jan 29, 2016 8:01 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 212
Views: 10984

Re: Do you pay for exercise?

YMCA
Most/many facilities have weight machines, free weights, racquetball courts, basketball courts,cardio,pool, many different type of classes for all ages, child care and a welcoming attitude.
by jimkinny
Thu Jan 28, 2016 11:44 am
Forum: Investing - Help with Personal Investments
Topic: How do I decide on Asset Allocation for a 3-fund portfolio
Replies: 11
Views: 1107

Re: How do I decide on Asset Allocation for a 3-fund portfolio

Maybe you are one of those people who need to take a lot of risk, are willing and have the ability to do. Many people think they are in this group, until they lose, what to them is a lot of money, over 6-12 months. the most rational way to approach this is need, ability and willingness to take risk....
by jimkinny
Thu Jan 28, 2016 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 44
Views: 3266

Re: Treasury Direct is a waste of time

I have never had a problem and appreciate the security imposed by TD.

People/companies/gov through out the world buy and sell T Bills/Bonds.
by jimkinny
Mon Jan 25, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in Retirement.
Replies: 28
Views: 1971

Re: Rebalancing in Retirement.

I do not think much changes once one has retired. As one nears retirement I would hope that every one has got a pretty good grasp on need, ability and willingness to take risk and the marginal value of money and your own goals. I do think that if you have reached your goal, there is not a lot of rea...
by jimkinny
Fri Jan 22, 2016 2:21 pm
Forum: Investing - Theory, News & General
Topic: Example of why to favor Treasury-only bond funds
Replies: 13
Views: 2020

Re: Example of why to favor Treasury-only bond funds

I understand your point from a theoretical pov but a 1.5% increase in an intermediate type of treasury fund seems unimportant in the real world. I think the important case that can be made for fed gov backed bonds is illustrate by the doomsday scenario of another great depression like event. It is n...
by jimkinny
Sat Jan 02, 2016 6:04 am
Forum: Investing - Theory, News & General
Topic: Is it Possible for the Stock Market Trend to Change
Replies: 18
Views: 1117

Re: Is it Possible for the Stock Market Trend to Change

Jezbro: the stock markets can go down and stay down for very long periods of time, 5-20 years. It is possible that, starting today, equity investors will lose money for the next ten years. It is much less risky to make and save more than counting on the stock markets. the lowest risk investments you...
by jimkinny
Sat Jan 02, 2016 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Why did TBM lag behind other bond funds this year?
Replies: 19
Views: 2000

Re: Why did TBM lag behind other bond funds this year?

If you are interested, the boglehead wiki has a good article on bonds and risks of bonds. You have to understand the risks associated with different types of bonds in order to understand performance.

jim
by jimkinny
Fri Jan 01, 2016 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Why buy Corporate Bonds?
Replies: 34
Views: 2235

Re: Why buy Corporate Bonds?

You stated larry Swedoe's position re risk showing up at wrong time. He always supports his position with data and advises to take risk in stocks. I do not know. I am likely wrong in what I am doing. I am not concerned too much with a 2008/2009 scenario. I am not going to panic and sell equities and...
by jimkinny
Fri Jan 01, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 1659

Re: VPN Service, personal. suggestions.

thanks every one for sharing your knowledge.

Jim
by jimkinny
Thu Dec 31, 2015 11:33 am
Forum: Investing - Theory, News & General
Topic: Avoiding "investment depression"
Replies: 8
Views: 1926

Re: Avoiding "investment depression"

Good advice.

Thanks for all of your contributions to this forum this past year.

Jim
by jimkinny
Thu Dec 31, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 1659

VPN Service, personal. suggestions.

I will be doing a lot of traveling over the next 2-3 months and have been reading about VPN. I could buy some hardware and get a data plan for cellular (Republic does not support a computer link to their phones/plans) but after the 2-3 months are up, hopefully not much traveling after that. So, I re...
by jimkinny
Tue Dec 29, 2015 12:19 pm
Forum: Investing - Theory, News & General
Topic: Why Correlation Doesn’t Matter Much
Replies: 52
Views: 5350

Re: Why Correlation Doesn’t Matter Much

Thanks for posting, nice website.
by jimkinny
Tue Dec 29, 2015 6:35 am
Forum: Investing - Theory, News & General
Topic: How much inflation in the US per year?
Replies: 56
Views: 3926

Re: How much inflation in the US per year?

The Federal Reserve targets 2% inflation per year. It may be higher or lower than that, but 2% is a good starting point. If the Fed's preferred measure, the Core Personal Consumption Expenditures Price Index , which is calculated by the Bureau of Economic Analysis in the Department of Commerce, and...
by jimkinny
Sun Dec 27, 2015 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Money Market in IRA
Replies: 6
Views: 829

Re: Vanguard Money Market in IRA

I have run into this issue in the past even though I have MM accounts for a long time. It was never important enough for me to call/message Vanguard. I generally have distributions going to MM accounts in order to simplify any tax loss harvesting opportunities. I then invest the money to a MF of my ...
by jimkinny
Sun Dec 27, 2015 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Upgrade BROKEN; wrong MMF
Replies: 32
Views: 2589

Re: Vanguard Account Upgrade BROKEN; wrong MMF

I upgraded last week. No problems.

I like the clarity and simplicity. I had brokerage accounts in roth, tira and taxable as well as MF in all three.
by jimkinny
Sat Dec 26, 2015 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Individual Bonds vs Bond Funds
Replies: 12
Views: 981

Re: Individual Bonds vs Bond Funds

Risk, cost and simplicity. If you buy anything other than fed gov backed bonds or insured CDs you are taking credit risk. The nice thing about a corporate bond fund is you get to choose how much credit risk you want (HY type vs investment grade type) and you are spreading the risks over a large numb...
by jimkinny
Sat Dec 26, 2015 7:27 am
Forum: Investing - Theory, News & General
Topic: TIPS Fund is Getting Hammered!
Replies: 71
Views: 8474

Re: TIPS Fund is Getting Hammered!

Sorry to ask a dumb question, but is there a difference between "unexpected" inflation and "expected" inflation? Is that something like, say, OPEC deciding overnight to cut production in half? I can see all sorts of terrible disaster scenarios for the world economy. But if it's ...
by jimkinny
Fri Dec 25, 2015 9:12 am
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 156
Views: 9785

Re: Large Energy stocks - why not?

Although I am a total market investor, XLE, the large oil companies stocks ETF looks very appealing for that portion of the money dedicated to opportunities (Don't we all have it in our blood?) Currently yielding close to 3% and with crude oil in the mid 30s, why would this not be a long term inves...
by jimkinny
Mon Dec 21, 2015 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for a 1,2,3,4 year CD? buy the 5 year and take the penalty
Replies: 14
Views: 1992

Re: Looking for a 1,2,3,4 year CD? buy the 5 year and take the penalty

I do not see much point in buying CDs that are all but guaranteed to yield less than core inflation, even though I did this 3-4 years ago. As long as you know the risks, your are free to chose the risks you want to take. I much prefer secondary market brokered CDs for my Roth and TIRA because of sim...
by jimkinny
Thu Dec 17, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Good Saver, Poor Investor
Replies: 14
Views: 1295

Re: Portfolio Advice for Good Saver, Poor Investor

FRT15, take your time. Do not be persuaded to take more risk than you can handle. Finding out that level of risk is very difficult. I do not have the link, but rick Ferri had a blog post about a year ago that resonated with me: his recommendation was to start with a low risk level then work your way...
by jimkinny
Thu Dec 17, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: Fed raises FFR [Federal Funds Rate] 0.25% as expected
Replies: 60
Views: 5480

Re: Fed raises FFR 0.25% as expected

I found this interview interesting from Marketplace. What Larry Summers thinks about raising interest rates Do I understand Summers to be saying that interest rates are now so low that the Fed can't goose the economy out of a recession by lowering rates, therefore they can't risk anything that migh...
by jimkinny
Tue Dec 15, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Why are we not keeping up with the market?
Replies: 19
Views: 2495

Re: Why are we not keeping up with the market?

Not much going on this year in stocks, up 10% or so, then down 10% or so, up a few % depending on the day/week. The bond markets have also been pretty boring, thankfully. Yield bites but thankfully you are not holding a bunch of high yield junkiest bonds, just good old gov backed bonds with a bit of...
by jimkinny
Thu Dec 10, 2015 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Advantage to holding mutual fund accounts in brokerage account?
Replies: 11
Views: 613

Re: Advantage to holding mutual fund accounts in brokerage account?

There are a few disadvantages. Distributions can either be funneled to settlement account or reinvested in the same fund that they came from. In the past I think you could have distributions reinvested in any Vanguard fund. I noticed another thing, when I set up a bond fund to auto reinvest dividen...
by jimkinny
Thu Dec 10, 2015 8:26 am
Forum: Investing - Theory, News & General
Topic: Recession on the Horizon - Sensationalist Noise or Actionable Information?
Replies: 36
Views: 3679

Re: Recession on the Horizon - Sensationalist Noise or Actionable Information?

Cable news,opinion, entertainment needs viewers to make money.

Fear is used to keep us watching.

If CNBC focused on facts, they would not have viewers.
by jimkinny
Thu Dec 10, 2015 8:17 am
Forum: Investing - Theory, News & General
Topic: effect of possible rate increase on annuities
Replies: 6
Views: 597

Re: effect of possible rate increase on annuities

If the fed does raise rates next week, say 25 basis points how much would that affect a 100k spia and when would the payout change take effect? should I wait? I agree with the above posts but I do not assume that interests rates 5 years from now will be higher than now and also do not assume that t...
by jimkinny
Wed Dec 09, 2015 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: What is your IRA CD strategy?
Replies: 39
Views: 2961

Re: What is your IRA CD strategy?

Hi All. I like the idea of allocating at least part of the fixed income portion of my IRA in CDs. I’ve been thinking about the best way to move forward with this strategy. I see four options – each with benefits and drawbacks. (1) Buy a ladder of brokered CDs through a brokerage account: It seems l...
by jimkinny
Wed Nov 11, 2015 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Buy Ladder CD's or wait
Replies: 22
Views: 2122

Re: Buy Ladder CD's or wait

My broker wants me to take $200K of cash and buy 5 ladder CD's, one for each of the next 5 years ($40K each), as safe component of my total investment portfolio of $900K. If interest rates go up in December, as presumed, should I now wait and then I could get more interest income for any ladder CD'...
by jimkinny
Tue Nov 03, 2015 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Further help with bond fund selection
Replies: 5
Views: 414

Re: Further help with bond fund selection

There really is no one right answer. What I did 3-4 years ago is to educate myself on what types of bonds are in the bonds funds, understand the risks of each type of bond and make up my own mind. You can find all of this stuff on the Wiki or Vanguard website.
by jimkinny
Tue Nov 03, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans:Any experience with Aetna, USAA or Blue Cross Blue Shield
Replies: 29
Views: 1773

Re: Medigap Plans:Any experience with Aetna, USAA or Blue Cross Blue Shield

I understand that the benefits of all G or F plans are the same no matter which company you choose. I'm mainly concerned about how fast the rates increase over the years. May I ask what plans you switched from due to rising rates and what you have now? Then you want a plan that is community-rated ....
by jimkinny
Tue Nov 03, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans:Any experience with Aetna, USAA or Blue Cross Blue Shield
Replies: 29
Views: 1773

Re: Medigap Plans:Any experience with Aetna, USAA or Blue Cross Blue Shield

I have had Aetna via American Continental Insurance for a little less than 3 years, Plan F HD. I chose American Continental because they insured in many if not all states and I was not sure where I wanted to live and did not want to bother with getting a different insurance company each time I chang...
by jimkinny
Sun Oct 25, 2015 9:24 am
Forum: Personal Finance (Not Investing)
Topic: What to do with maturing CDs?
Replies: 56
Views: 5551

Re: What to do with maturing CDs?

Since I started buying 5-year direct CDs about five years ago, my CDs are starting to mature. Although it's much more fun to write about the complexities of bond/CD ladder returns, whether or not you should value your direct CD at statement value or present value of future cash flows, etc., I've re...
by jimkinny
Sat Oct 24, 2015 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Annuity or not?
Replies: 25
Views: 2206

Re: Annuity or not?

If you search this website you will find many many many threads on annuities. The boglehead wiki has a very good article on Immediate Fixed Anuities aka SPIA. There seem to be three approaches to should I buy them 1) No, that's crazy, it is my money and I do not want to give it to an insurance compa...
by jimkinny
Thu Oct 22, 2015 6:57 am
Forum: Personal Consumer Issues
Topic: Windows 10 from 8.1. Do I REALLY Want To Do This?
Replies: 31
Views: 2535

Re: Windows 10 from 8.1. Do I REALLY Want To Do This?

I have 8.1 and have been procrastinating doing the upgrade because I am concerned about drivers for a printer and a scanner. A few days ago I verified that drivers are available for both by going to the manufacturers website. I have a few critical documents to print and mail before the end of the ye...
by jimkinny
Wed Oct 21, 2015 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: How important is international exposure in a portfolio?
Replies: 7
Views: 735

Re: How important is international exposure in a portfolio?

Hey Bogleheads one of the most highly rated and simplified 3-fund portfolio allocation goes something like this: 50% Total Stock Market Index 30% Total International Index Fund 20% Total Bonds Fund While diversifying is important, I noticed that the Total International Index Fund's performance is p...
by jimkinny
Sun Oct 18, 2015 6:40 am
Forum: Investing - Theory, News & General
Topic: Is Wade Pfau right about annuities over [bond funds] in a retirement portfolio?
Replies: 67
Views: 6290

Re: Is Wade Pfau right about annuities over [bond funds] in a retirement portfolio?

[At any rate, while many retirees (at least this is true for me) are no longer trying to maximize returns, many of us also see the future as too uncertain to completely take our foot off the gas pedal.] For 25 years, I've kept my foot on the gas petal. I started this thread in hopes of getting some...
by jimkinny
Sun Oct 18, 2015 4:50 am
Forum: Investing - Theory, News & General
Topic: Brokered CD earn less interest than a bank CD?
Replies: 22
Views: 2111

Re: Brokered CD earn less interest than a bank CD?

The major advantage of brokered CDs for me are 1) convenience 2) generally the rates interest rates are competitive with best direct CD rates and 3) I am not stuck with a ladder of CDs in the 1-5 year range with years to maturity of 2.5 years. I buy now only secondary market CDs in 6-10 year range f...
by jimkinny
Sat Oct 03, 2015 5:08 am
Forum: Investing - Theory, News & General
Topic: S & P 500 "fair value" (as of 1-15-16 )
Replies: 160
Views: 13323

Re: S & P 500 "fair value" as of 10-02-15

Rx 4, I am beginning to appreciate your posts. There is a madness and enthusiasm about them that, at times, makes me suspect that you are having a great time fooling the stodgy Bogleheads and at other times makes me suspect that you are a 14 year old, doing post graduate work at Stanford, with an IQ...
by jimkinny
Thu Oct 01, 2015 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard transfer
Replies: 5
Views: 682

Re: Vanguard transfer

Call Vanguard. They will have or get answers to your questions.
by jimkinny
Wed Sep 30, 2015 7:21 am
Forum: Investing - Theory, News & General
Topic: Returns this century versus last question
Replies: 13
Views: 841

Re: Returns this century versus last question

Do relatively recent changes In the markets like high frequency trading, abundant etfs and funds of all kinds, ease of trading, more institutional trading volume, change or alter expected future returns? Do the way markets operate this century change in anyway the expected returns, particularly whe...
by jimkinny
Mon Sep 28, 2015 9:41 am
Forum: Investing - Theory, News & General
Topic: Death Probability Calculator and "matching"
Replies: 25
Views: 2354

Re: Death Probability Calculator and "matching"

(Leesbro posted while I was composing this. This is not intended to be a retort to his post. To his post, I'd add, "and then after you do that, tack on an uncertainty of plus-or-minus a decade or so.") Anything that shows you "life expectancy," i.e. life expectancy from birth, i...
by jimkinny
Fri Sep 25, 2015 8:09 am
Forum: Investing - Theory, News & General
Topic: Solutions for Retirement Funding & Post-Retirement Payout
Replies: 74
Views: 5646

Re: Solutions for Retirement Funding & Post-Retirement Payout

patriciamgr2 wrote:i am still working my way through the materials. I wanted to recognize BobK's incredible contribution to the Forum of sharing his analysis of important presentations like these. Thank you so very much, bobcat2.


Yes, +1
by jimkinny
Fri Sep 25, 2015 8:00 am
Forum: Investing - Theory, News & General
Topic: Aging and Increased Investing Risk
Replies: 50
Views: 3397

Re: Aging and Increased Investing Risk

I wonder if there is a correlation between when people went through their "formative years" and some of this. For instance, mutual funds did not become that popular until the 1980s with Peter Lynch and Fidelity Magellan in the news all the time. That was 35 years ago, so just in time for ...
by jimkinny
Tue Sep 15, 2015 7:32 am
Forum: Investing - Theory, News & General
Topic: What is the benefit of a CD ladder today?
Replies: 21
Views: 3004

Re: What is the benefit of a CD ladder today?

Why can't you purchase a ladder all at once? Say, for example, if you have $100,000 and want a five year ladder - purchase $20,000 1,2,3,4 and 5 year CDs. Then, in a year, at the maturity of the 1 year, purchase a 5 year with those funds - and so on. Thanks for the replies. I guess the real questio...
by jimkinny
Thu Sep 03, 2015 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Books to help a couple working out a budget
Replies: 39
Views: 2978

Re: Books to help a couple working out a budget

I'm having a sit down with my wife in about a week. I'm trying to get recommendations for books to help couples with budgeting. Thanks! I would get a book about budgets, which book likely matters very little. It is not like this is new stuff. Just as importantly, I would get software to aid in the ...
by jimkinny
Thu Sep 03, 2015 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Puzzled? New Issue vs Secondary yield difference?
Replies: 4
Views: 359

Re: Puzzled? New Issue vs Secondary yield difference?

For an organization I manage, I purchase a lot of Vanguard brokered CDs - almost all have been new issue. I need to stay under the FDIC limit. I am puzzled by the disparity of new issue CDs and secondary market issues - and wonder if my evaluation is correct that the secondary CDs are a better deal...
by jimkinny
Thu Aug 27, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2841

Re: Kitces - Managing the Medicare B Premium Spike

Alan, thanks for posting. I was on the fence , thinking I might start SS in December or wait another year. December is ruled out now. I am surprised that the article indicates October as the limiting time factor. I thought SS required a lead time of 3 months and the article indicated one had to be e...
by jimkinny
Sat Aug 22, 2015 9:31 am
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 9307

Re: How long will you"Stay the Course"?

What combination of duration and drop in the market might break your resolve? 20%/two months?, 20%/two years, 40%/four months?,40%/four years?, or whatever. It is possible since there is a surplus of capacity/labor and a scarcity of jobs. Yes, whatever, the cause does not matter. I am at an allocat...
by jimkinny
Thu Aug 20, 2015 9:10 am
Forum: Investing - Theory, News & General
Topic: Should you own foreign stocks?
Replies: 67
Views: 4681

Re: Should you own foreign stocks?

There is a portfolio benefit to re-balancing currencies to a fixed US/International allocation over time. Rick Ferri Rick, thanks for posting the link to your article. Interesting to see the data available. I suppose it goes both ways: large non USA companies getting a lot of revenues from US. As I...
by jimkinny
Tue Aug 18, 2015 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income/Bond Allocation Suggestions
Replies: 25
Views: 2156

Re: Fixed Income/Bond Allocation Suggestions

As Kevin wrote, too bad you can not use the stable value for most/all of fixed income. Yields are what they are, there is no magic, but the option Kevin discussed is about the best we can do now without taking on a lot of term and/or credit risk. I differ slightly from Kevin in that I have a 10 year...

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