Search found 241 matches

by kaesler
Tue Mar 12, 2024 8:41 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

DowntheMiddle wrote: Tue Mar 12, 2024 8:15 pm Just finding this tool - thanks so much for building
Thanks. Hope it helps.

New edition coming along….. (slowly, spare time etc).
by kaesler
Mon Feb 26, 2024 5:15 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

oysterboy wrote: Sat Feb 24, 2024 8:18 am kaesler, thank you so much...
My pleasure. Glad it was helpful..
by kaesler
Fri Feb 23, 2024 11:29 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

gavinsiu wrote: Fri Feb 23, 2024 11:20 am A question about the tool. It seems to find generate a list of bonds by the income needed, so if you want $10K of income by 2026 for example. Can the tool be use to generate a list of bonds for equal investment like I want to invest $10K a year for 5 years?
No.
by kaesler
Wed Feb 21, 2024 8:08 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

kaesler wrote: Wed Feb 21, 2024 7:51 am Looks like the service crashed last night. Looking into it...
...it is running again.
by kaesler
Wed Feb 21, 2024 7:51 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

Looks like the service crashed last night. Looking into it...
by kaesler
Thu Feb 15, 2024 10:16 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

hudson wrote: Thu Feb 15, 2024 10:02 am I'm waiting for another IRA transfer to happen to finish the last 7 rungs....hopefully within 30 days or so. Transfers don't seem to be lightning fast.

I'm not sure if I use the same Kaesler calculation or re-run it for the last 7 rungs.
I'm thinking that it doesn't matter?
Probably best to use the original ladder portfolio. The tool is designed to generate a ladder as an integrated unit, with early rungs deriving income from later maturing bonds. Not well suited yet to assembling a ladder incrementally over time.
by kaesler
Tue Feb 06, 2024 2:45 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

s.todd wrote: Tue Feb 06, 2024 2:36 pm Question: when tipsladder.com generates a ladder, in the Column "TIPS holdings"
there is the CUSIP # and then " x 9 ", "x 13", "x 14", etc (for example).

What does the "9", "13", "14" mean?
Thank you.
It’s the number of bonds to buy with that CUSIP.
by kaesler
Mon Feb 05, 2024 3:37 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: TIPS Ladder Chart - am I reading this right?

[Merged into existing thread by Moderator Misenplace] Hello, I am thinking of investing $30,000 in TIPS so I went to the www.tipsladder.com site and plugged in some numbers, the resulting chart surprised me. Am I reading this correctly - that buying $18,000 (roughly) of the CUSIP listed at the top, 91282CGW5, will net me $31,000 (roughly) in 2028? Some of the other years don't look too good, but I'm not so much interested in those. https://www.tipsladder.com/build?incomeRequirementKind=Avg&firstYear=2028&income=30000&yearCount=5&bondChoiceForGap=NearestBond&bondChoiceWithinYear=BestYield If you click the "Show Details" button you will see where the $31,542 comes from: $19,447 as return of principal for the 19 ...
by kaesler
Thu Feb 01, 2024 11:05 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

kaesler wrote: Thu Feb 01, 2024 10:38 am
kaesler wrote: Thu Feb 01, 2024 10:14 am The service at https://tipsladder.com is failing every ladder generation request. I'm looking into the problem....
It's up again.
Root cause was an unexpected behavior on or around February 1 each year from the BLS web service which provides CPI data. I have a workaround which I will deploy shortly.
by kaesler
Thu Feb 01, 2024 10:38 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

kaesler wrote: Thu Feb 01, 2024 10:14 am The service at https://tipsladder.com is failing every ladder generation request. I'm looking into the problem....
It's up again.
by kaesler
Thu Feb 01, 2024 10:14 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

The service at https://tipsladder.com is failing every ladder generation request. I'm looking into the problem....
by kaesler
Wed Jan 24, 2024 3:52 pm
Forum: Personal Consumer Issues
Topic: Return My New Apple Watch?
Replies: 83
Views: 6305

Re: Return My New Apple Watch?

Another use case I bought it for and hope never to use. I live alone. If I have a serious fall around the house, far from my phone, I can phone for help if I’m conscious. If I’m not the fall detection will call for help for me
by kaesler
Wed Jan 24, 2024 3:48 pm
Forum: Personal Consumer Issues
Topic: Return My New Apple Watch?
Replies: 83
Views: 6305

Re: Return My New Apple Watch?

I found it very convenient when travelling for several months recently in Europe and Australia. I could pay for almost everything using ApplePay on the watch, keeping my credit cards and phone in very safe places.
by kaesler
Tue Jan 23, 2024 2:17 pm
Forum: Personal Investments
Topic: Advisor recommendation near Boston
Replies: 5
Views: 476

Re: Advisor recommendation near Boston

I meant Boston of course. Typing on phone…
by kaesler
Tue Jan 23, 2024 2:12 pm
Forum: Personal Investments
Topic: Advisor recommendation near Boston
Replies: 5
Views: 476

Advisor recommendation near Boston

Can anyone recommend a reputable Boglehead minded financial advisor (fee only) in the Boston area. Asking for a friend who needs some help.
by kaesler
Mon Jan 22, 2024 12:11 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

As soon as the WSJ shows pricing it will appear in tipsladder.com.
by kaesler
Thu Dec 21, 2023 7:51 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

MA405 wrote: Wed Dec 20, 2023 3:33 pm Just came across one thing that I think could be improved in the calculations. …
It seems that the extra $6,417 from the 1st year could be applied to partially cover the 2nd year, thus reducing the number of TIPS to buy and the cost of the ladder? I couldn’t find a way to make that happen.
Noted. I plan to refine my algorithm so this works as you’d like.
by kaesler
Mon Dec 11, 2023 8:33 pm
Forum: Personal Consumer Issues
Topic: New to Costco
Replies: 239
Views: 58434

Re: New to Costco

Nowizard wrote: Sun Dec 10, 2023 8:50 am Two other positives are … the obviously satisfied employees and little turnover among them.
I’ve noticed this too. There is at least one employee at my local Costco that has been there for 17 years. I’m using my daughter’s age as a gauge.
by kaesler
Wed Dec 06, 2023 12:21 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

MA405 wrote: Wed Dec 06, 2023 12:01 pm Thank you Kaesler for developing this invaluable tool!
Thanks to you I was able to plan, build and, this morning, purchase my TIPS ladder.
Thanks for the word. I like to hear when people find it useful.
MA405 wrote: Wed Dec 06, 2023 12:01 pm Not sure why, but the TIPS pricing on Fidelity was better than suggested in the tool, so with the money designated for the ladder I was able to get a couple of extra bonds, for good measure.
Prices fluctuate by the minute. The tool uses prices as of the close of the previous bond trading day.
MA405 wrote: Wed Dec 06, 2023 12:01 pm I spend months planning and going over and over my early retirement income projections, now it actually happened. DONE!!! Now trying to finally relax and don't fret about that anymore.
I know the feeling.
by kaesler
Sat Nov 25, 2023 9:54 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

If I purchase my ladder today, but don't start cashing out until, say, 10 years in the future, then I have 10 years of interest payments accruing. I don't think this is 'free money', I think that in order to provide the intended flow starting in 10 years, it needs to be reinvested as I earn it. But I have no guarantee that I will be able to invest it with the return necessary to ensure the promised future cash flow. You have two choices: (a) guarantee the desired income in the first year of your ladder 10 years from now by excluding the pre ladder interest from being considered as part of your ladder’s income. Spend the pre ladder interest on good wine. (b) decide not to guarantee that first ladder years’s income by saving the pre ladder i...
by kaesler
Sat Nov 25, 2023 2:56 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

kaesler wrote: Sat Nov 25, 2023 2:17 pm I am easy to contact. As far as I can tell he made no attempt to contact me. i just listened and I'm not sure he claimed to either.
I tried to reach him by email but his website provides no way to do that.
by kaesler
Sat Nov 25, 2023 2:17 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

In this 11/15/23 “Money for the Rest of Us” https://moneyfortherestofus.com/454-tips-ladder podcast by financial writer David Stein he mentions the tipsladder.com site and then says he had questions about the math used there but couldn’t reach the site owner. I am easy to contact. As far as I can tell he made no attempt to contact me. i just listened and I'm not sure he claimed to either. Is it accurate that a full TIPS ladder works only if the interest payments are reinvested (and with some effort to find the right yield at that point)? It doesn’t jibe with what I had understood. My intention had been to consider a TIPS ladder, once set up, as a sort of simple/liquid/COLA annuity and to spend the interest that was thrown off by the ladder...
by kaesler
Sun Nov 19, 2023 12:07 pm
Forum: Personal Consumer Issues
Topic: Metal “minimalist” wallets?
Replies: 42
Views: 6274

Re: Metal “minimalist” wallets?

I use a very compact leather wallet from Saddleback: https://saddlebackleather.com/leather-wallet-mens-front

Very happy with it. 100 year warranty.
by kaesler
Mon Nov 13, 2023 5:33 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

littlebigfis wrote: Mon Nov 13, 2023 11:12 am Any chance you can share your scripts for importing the data so I can get to work on building the ladder structure in google sheets to accomplish my goals?
No. tipsladder.com is not open source.
by kaesler
Sun Nov 12, 2023 11:29 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

zf888 wrote: Tue Nov 07, 2023 12:37 pm Rob Berger did a video tutorial of using your tool! You might consider listing it somewhere on your website:

https://youtu.be/WMSOdk9Ga_Q?si=yB2V_Nwm1VQXoM8A
Thanks. Done: https://www.tipsladder.com/static/TipsL ... urces.html
by kaesler
Wed Nov 01, 2023 6:11 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

kaesler wrote: Wed Nov 01, 2023 5:57 pm Looking into it. Looks like the same problem as before: config change over which I have no control. Easy fix...
It is repaired: https://tipsladder.com .
by kaesler
Wed Nov 01, 2023 5:57 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

#Cruncher wrote: Wed Nov 01, 2023 3:56 pm
billc6 wrote: Wed Nov 01, 2023 1:22 pmI’m getting a heroku application error when trying to access http://tipsladder.com.
I get the same error:
Application error
An error occurred in the application and your page could not be served. If you are the application owner, check your logs for details. You can do this from the Heroku CLI with the command
heroku logs --tail
Could it have anything to do with WSJ TIPS Quotes not yet listing the new 10/15/2028 5-year maturity, even though it was issued 10/31/2023?

Looking into it. Looks like the same problem as before: config change over which I have no control. Easy fix...
by kaesler
Sun Oct 15, 2023 10:05 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

Alpha4 wrote: Sun Oct 15, 2023 7:58 pm I just ran a purely hypothetical scenario (roughly $12K each year of real income in the years 2043 to 2053) to see what would be needed in the way of TIPS purchased today to generate that real income in those years.

Why does the 2053 maturing rung require so much of a larger amount purchased than the rung maturing only a year before in 2052?
I think this is because the 2053 bond has a coupon rate of 1.5% whereas the 2052 has a coupon rate of 0.125%. So the 2053 bond is priced higher than the 2052 one, with ask prices of $840 vs $595 respectively.
by kaesler
Sun Oct 15, 2023 3:07 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

sycamore wrote: Sat Oct 14, 2023 3:15 pm
I noticed a minor display bug with a scenario of $2000 per year from 2027-2036 inclusive.

In the "Show Details" table, the first row has an extra <td></td> element:
Image
Fixed now. Thanks for reporting the bug.
by kaesler
Sun Oct 15, 2023 1:58 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

#Cruncher wrote: Sun Oct 15, 2023 1:16 pm The formula on the last row should be "a / (b + c)" not "(a - b) / c". I assume this is just a typo in the text file and not an error in how you actually build the ladder. But I can't tell for sure since, with rounding, both formulas can produce the same result.
Thank you for checking my work #cruncher. That was indeed a typo. I've deployed a new version to correct it.
by kaesler
Sat Oct 14, 2023 12:00 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

#Cruncher wrote: Mon Oct 02, 2023 12:52 pm I don't know just how kaesler calculates the number of TIPS for each of the gap years 2034-2036, so I'll leave that for him to explain. [2]
I've deployed a new version that offers a link to download the "rung decisions" file. This is a text file log of the decisions and calculations the tool makes when constructing the rungs of a ladder. I'm hoping this will clarify how the tool works. Let me know if you think it is doing it wrongly.

https://tipsladder.com
by kaesler
Wed Oct 11, 2023 4:04 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

Hi there, after reading numerous TIPS threads over the past year, I was curious to try your tool. But I get this error message: "Application error An error occurred in the application and your page could not be served. If you are the application owner, check your logs for details. You can do this from the Heroku CLI with the command heroku logs--tail" I tried on a couple of browsers, cookies off and cookies on. Any ideas? Cheers Looks like the service has crashed. I’ll take a looks in an hour or so when I get home. It is running again. (Every so often a component on my hosting platform changes versions and I cannot control that change. The service won't work until I make a small config change to match that new version. Irritating.)
by kaesler
Wed Oct 11, 2023 2:28 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

Harry Livermore wrote: Wed Oct 11, 2023 2:26 pm
kaesler wrote: Sat Jan 07, 2023 4:55 pm
I built a TIPS ladder builder that is fairly easy to use. It can be used via a web interface here:

https://tipsladder.com
Hi there, after reading numerous TIPS threads over the past year, I was curious to try your tool. But I get this error message:

"Application error
An error occurred in the application and your page could not be served. If you are the application owner, check your logs for details. You can do this from the Heroku CLI with the command
heroku logs--tail"

I tried on a couple of browsers, cookies off and cookies on.
Any ideas?
Cheers
Looks like the service has crashed. I’ll take a looks in an hour or so when I get home.
by kaesler
Sat Oct 07, 2023 2:30 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

kaesler wrote: Sat Oct 07, 2023 2:23 pm
hobscrk777 wrote: Sat Oct 07, 2023 2:17 pm
How can it be that a bond purchased today (or strictly speaking, 5 bonds as indicated in the table below) for $6,487 will provide interest of $3,412, such that the real value of the asset at maturity is $10,116? Naively, that seems like effectively a 50% interest rate (even larger than that, actually, since there are ~3 months until the maturity of this asset on 2024-01-15). I know I must be missing something, but I have no clue what that is. :?:
How long was your ladder?
Never mind. I see now. That interest total for 2024 was contributed by all the bonds in the ladder, not just the bond that matured in 2024. This is a FAQ, the single most misunderstood aspect of a TIPS ladder I think.
by kaesler
Sat Oct 07, 2023 2:23 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

hobscrk777 wrote: Sat Oct 07, 2023 2:17 pm
How can it be that a bond purchased today (or strictly speaking, 5 bonds as indicated in the table below) for $6,487 will provide interest of $3,412, such that the real value of the asset at maturity is $10,116? Naively, that seems like effectively a 50% interest rate (even larger than that, actually, since there are ~3 months until the maturity of this asset on 2024-01-15). I know I must be missing something, but I have no clue what that is. :?:
How long was your ladder?
by kaesler
Tue Sep 26, 2023 11:05 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

kalarama wrote: Mon Sep 25, 2023 2:05 pm (Bump). With rising real yields and lots of people using kaesler's tipsladder tool and/or #cruncher's spreadsheet to build a TIPS ladder, any chance kaesler and/or #cruncher could comment on the different calculations between the two tools to determine quantities to purchase for 2033 and 2040 TIPS to fill in the gap?
To facilitate what could be a complicated investigation could you please provide details of two different portfolios, one generated by tipsladder.com and the other by the spreadsheet, as lists of (CUSIP, count) pairs. along with the years expected to be funded?
by kaesler
Mon Sep 25, 2023 8:17 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

quietstorm wrote: Mon Sep 25, 2023 4:24 pm Yes. No mistake or bug, and I don't have the knowledge nessessary to understand what I'm doing if I use this.
Never invest in something you don't understand.
by kaesler
Sun Sep 24, 2023 9:49 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

I think I will use this tool when I get up to speed. It looks like a labor of love. Kudos! I entered a six year ladder as shown. Would you mind telling me why, in the last row, the total cost is higher than the real principle returned and the Total Income? Thanks! Which Tips: Bond maturing nearest to start of rung-year Which Tips: Best Yield exclude: unchecked income req: Average First Year: 2024 Last Year: 2029 Desired real income: 50000 The reason is that the bonds purchased to fund 2029, i.e. 27 x 912810FH6, for which you pay $55,231 return income in two ways: principal returned in 2029 at maturity; this amount is $51,160 interest twice a year in the years 2024-2028, helping to find those earlier years If you download the cash flow cale...
by kaesler
Thu Sep 14, 2023 2:44 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

protagonist wrote: Thu Sep 14, 2023 1:15 pm Will it require knowledge of the dates of purchase, or will you be able to calculate an approximation of annual revenue and interest payments based on valuation at the time you enter the data and coupon rate?

I would suggest the latter, since many are probably in my situation...
The latter for sure. And the projected incomes will be exact because they don’t depend on the purchase dates.
by kaesler
Wed Sep 13, 2023 1:40 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

exodusing wrote: Wed Sep 13, 2023 1:37 pm Are you planning to add it the same way as in #Cruncher's spreadsheet, list every outstanding TIPS and let users specify the quantity owned of each?
Pretty much. They will be options inside an HTML pull-down select component.
by kaesler
Tue Sep 12, 2023 10:49 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

Incognito2u wrote: Tue Sep 12, 2023 10:39 pm Kaesler, yet another request to integrate previously bought TIPS into your already superb and easy to use TIPS ladder tool. I'll wager there are quite a few people that would benefit from this addition.
Thanks. It's actually going to get a bit easier to use first. Current plan is :

1. More responsive (SPA technology overhaul) and some improved styling, better help with parameters.
2. Interactive cash flow calendar for built ladder, with download to spreadsheet.
3. Interactive cash flow calendar for existing holdings, with download to spreadsheet.
4. Base a ladder on existing holdings by filling in the gaps.
by kaesler
Tue Sep 12, 2023 8:59 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

protagonist wrote: Mon Sep 11, 2023 7:53 am But if you already have a ladder, is it possible to enter the TIPS on your ladder by CUSIP into the tool?
And if so, how?
Thanks.
Hoping to add that feature soon.
by kaesler
Thu Sep 07, 2023 3:24 pm
Forum: Investing - Theory, News & General
Topic: TIPS ladder- Two strategies for dealing with 2034-2039
Replies: 72
Views: 9649

Re: New tool for building a TIPS ladder

gfirero wrote: Thu Sep 07, 2023 3:00 pm That would be great. I have a basket of TIPS and would very much like to see the future cash flows.
Coming soon...
by kaesler
Fri Sep 01, 2023 1:07 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

Thanks for the BRILLIANT tool. I just used it to buy a 30-year ladder at Fidelity over a 2-day period. BTW, this takes time and patience because of the fast-moving market and low liquidity for small purchases. I probably spent about 4-5 hours working on the purchase, with about 50% of the attempts to buy failing immediately or being accepted but failing to close within the 5-min window. In the end, it came in 0.08% cheaper that the tool predicted, which is amazing given the market movements between tool output and purchases and the poorer pricing for small quantities. Thanks, I'm glad it worked well for you. Your experience buying the bonds sounds very similar to mine back in January, also at Fidelity. How is the withdrawal rate calculated...
by kaesler
Sat Aug 26, 2023 9:09 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

kaesler wrote: Fri Aug 25, 2023 7:35 pm I've deployed a new version which should fix these bugs with hitting Back to get back to the parameter input page.
This version updated the Javascript used for the parameter input page. If you are getting 400 errors, try forcing a full reload of that page, usually achieved by pressing either the Control or Shift key and clicking the reload button on your browser.

I will soon make some other changes that will reduce the need for this.
by kaesler
Fri Aug 25, 2023 7:35 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

Stormbringer wrote: Sat Aug 12, 2023 9:01 am Two bugs, both related to going back to the parameters page after creating a ladder:
1) After viewing the ladder, if you hit the Back button and change the annual amount, it resets the last year to be funded to current year plus 10.
2) If you specify an amount year by year and then go back to it, the "Specified for each year" is still selected, but the year by year annual amount fields are missing. If you click on the Create Ladder button, you get an error: Inconsistent parameters for IncomeRequirement.Lumpy
I've deployed a new version which should fix these bugs with hitting Back to get back to the parameter input page.

(Geek aside: Surprising what was involved to make this work correctly against a stateless server.)
by kaesler
Tue Aug 22, 2023 7:22 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

69XR7 wrote: Tue Aug 22, 2023 7:02 pm Is there a guide that explains how each of the options on the selection screen work?
I intend to improve the docs on the website. But for now look at these posts above in this thread:

viewtopic.php?p=7324060#p7324060

viewtopic.php?p=7407315#p7407315
by kaesler
Sat Aug 19, 2023 9:34 am
Forum: Investing - Theory, News & General
Topic: Is there a sort of easy way to decide when TIPS rates are worth backing the truck up on?
Replies: 116
Views: 11281

Re: Is there a sort of easy way to decide when TIPS rates are worth backing the truck up on?

LaramieWind wrote: Fri Aug 18, 2023 2:55 pm Where can I learn about TIPS? I have no clue.
Good little book on it: Explore TIPS: A Practical Guide to Investing in Treasury Inflation-Protected Securities https://a.co/d/ihiQDxb
by kaesler
Fri Aug 18, 2023 9:42 am
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

kaesler wrote: Wed Aug 16, 2023 2:30 pm
kaesler wrote: Wed Aug 16, 2023 1:53 pm
kaesler wrote: Wed Aug 16, 2023 11:12 am The tipsladder.com site is down I was told. Will repair as soon as I’m able.
Unfortunately this may take some days to sort out. It's a problem with my hosting platform somewhat beyond my control.
I've raised a support issue with Heroku, my hosting platform.
Heroku fixed their bug a few hours ago so the tool is up again at https://tipsladder.com
by kaesler
Wed Aug 16, 2023 4:30 pm
Forum: Investing - Theory, News & General
Topic: New tool for building a TIPS ladder
Replies: 422
Views: 79574

Re: New tool for building a TIPS ladder

juice wrote: Wed Aug 16, 2023 4:06 pm unfortunate timing for me! : Can I send them a case of beer? :)
I am certain that will speed things along. Send it to me and I will pass it along. :happy