Search found 569 matches

by Iliketoridemybike
Tue Apr 17, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Please suggest a file folder type
Replies: 21
Views: 1380

Re: Please suggest a file folder type

There are free scanner apps. Download one and store the docs in your Google drive, also free. Accessible from anywhere you are.
by Iliketoridemybike
Tue Apr 17, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 59
Views: 7693

Re: Cash instead of bonds?

That still doesn't answer my questions. When do you deplete your cash reserves? When do you replenish you cash reserves? When you run out of money and you need more? I mean its not that hard to figure out, no? Specifically, when you will you sell equities vs. your cash? When equities were up? Over ...
by Iliketoridemybike
Tue Apr 17, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 59
Views: 7693

Re: Cash instead of bonds?

I can see this strategy working fine for most periods, but what if stocks lose money for a decade, like 2000-2009? When do you deplete your cash reserves? When do you replenish them? These are important details that are rarely provided by those espousing this strategy, probably because they often h...
by Iliketoridemybike
Tue Apr 17, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 59
Views: 7693

Re: Cash instead of bonds?

I can see this strategy working fine for most periods, but what if stocks lose money for a decade, like 2000-2009? When do you deplete your cash reserves? When do you replenish them? These are important details that are rarely provided by those espousing this strategy, probably because they often h...
by Iliketoridemybike
Tue Apr 17, 2018 7:28 am
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 59
Views: 7693

Re: Cash instead of bonds?

I can see this strategy working fine for most periods, but what if stocks lose money for a decade, like 2000-2009? When do you deplete your cash reserves? When do you replenish them? These are important details that are rarely provided by those espousing this strategy, probably because they often h...
by Iliketoridemybike
Mon Apr 16, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding my Wash Sale
Replies: 13
Views: 807

Re: Understanding my Wash Sale

Pajamas wrote:
Mon Apr 16, 2018 8:06 pm
So the loss from selling 14 shares you bought on January 26th would be disallowed and added to the cost basis of the 14 shares you bought on March 21st.

Can someone else confirm, please? 8-)
Yes. As I stated in the first response in this thread.
by Iliketoridemybike
Mon Apr 16, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to compare funds, indexes, stock
Replies: 16
Views: 1280

Re: Easy way to compare funds, indexes, stock

Stockcharts.com compare mutual funds, ETF’s, anything with a symbol. Super easy.
by Iliketoridemybike
Mon Apr 16, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding my Wash Sale
Replies: 13
Views: 807

Re: Understanding my Wash Sale

You don’t get the loss, but it is added to the basis of what you purchased so not all is lost.
by Iliketoridemybike
Sun Apr 15, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6233

Re: Costco gas

It’s on my way home from work and I still don’t go there. Not worth the wait to save pennies.
by Iliketoridemybike
Sun Apr 15, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

A lot of people buy and manage individual bonds and create bond ladders. Many do it well into their senior years. It isn’t rocket science. There are tools to help you setup what kind of cash flow you want, pick the duration and make sure you don’t reach into too many low credit offerings to get yie...
by Iliketoridemybike
Sun Apr 15, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: DLSNX and OSTIX bond funds [DoubleLine Low Duration and Osterweis Strategic Income]
Replies: 2
Views: 186

Re: DLSNX and OSTIX bond funds

I see nothing wrong with either of those funds if you want short duration funds. I think you need to understand that most bond funds are showing little to no return in their NAV right now and some are negative. There are exceptions like floating rate funds and high yield has held up, but the bond ma...
by Iliketoridemybike
Sun Apr 15, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

A lot of people buy and manage individual bonds and create bond ladders. Many do it well into their senior years. It isn’t rocket science. There are tools to help you setup what kind of cash flow you want, pick the duration and make sure you don’t reach into too many low credit offerings to get yiel...
by Iliketoridemybike
Sun Apr 15, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

Posts like this make individual bonds seems complicated when in reality they are not. Please elaborate. Clearly the taxation of individual bonds can be a bit complicated. How can you simplify it for us? Kevin Turbo Tax download Even if Turbo tax handled everything perfectly, it wouldn't help in mak...
by Iliketoridemybike
Sat Apr 14, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

Kevin M wrote:
Sat Apr 14, 2018 9:59 pm
Iliketoridemybike wrote:
Sat Apr 14, 2018 9:27 pm
Posts like this make individual bonds seems complicated when in reality they are not.
Please elaborate. Clearly the taxation of individual bonds can be a bit complicated. How can you simplify it for us?

Kevin
Turbo Tax download
by Iliketoridemybike
Sat Apr 14, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

When you're buying a municipal bond, you're going to want a premium bond or at least a discount de minimis bond. If your discount bond is beyond de minimis, you're going to pay regular income tax on the gain (not just a capital gain), so it's best to avoid them. I don't believe this is correct--at ...
by Iliketoridemybike
Sat Apr 14, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

The bond in question may indeed have a coupon of 5%. It's a premium bond and if the yield to maturity is under 2%, the premium is going to be high. But that's another conversation altogether. Your insight is appreciated! I do not understand how the yield can go from 5% to 2%. Kevin answered this qu...
by Iliketoridemybike
Sat Apr 14, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

The bond in question may indeed have a coupon of 5%. It's a premium bond and if the yield to maturity is under 2%, the premium is going to be high. But that's another conversation altogether. Your insight is appreciated! I do not understand how the yield can go from 5% to 2%. You are paying a premi...
by Iliketoridemybike
Sat Apr 14, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

I got a guest account at Fidelity for 30 days...easy. The first NC muni I came to is here...you've got to have a Fidelity account or a guest account to follow this link I suspect... https://fixedincome.fidelity.com/ftgw/fi/FIBondDetails?requestType=&displayFormat=TABLE&cusip=65825PCA6&ordersystem=T...
by Iliketoridemybike
Sat Apr 14, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

Kevin M wrote:
Sat Apr 14, 2018 4:34 pm
gmaynardkrebs wrote:
Sat Apr 14, 2018 3:15 pm
Kevin, does Fidelity let you place a limit order below ask?
Yes, but the one time I tried recently for a muni, the order was cancelled within a few minutes.

Kevin
You must have entered as a “fill or kill”. If done for the day, they would have left it open until market close.
by Iliketoridemybike
Sat Apr 14, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

I got a guest account at Fidelity for 30 days...easy. The first NC muni I came to is here...you've got to have a Fidelity account or a guest account to follow this link I suspect... https://fixedincome.fidelity.com/ftgw/fi/FIBondDetails?requestType=&displayFormat=TABLE&cusip=65825PCA6&ordersystem=T...
by Iliketoridemybike
Sat Apr 14, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

I got a guest account at Fidelity for 30 days...easy. The first NC muni I came to is here...you've got to have a Fidelity account or a guest account to follow this link I suspect... https://fixedincome.fidelity.com/ftgw/fi/FIBondDetails?requestType=&displayFormat=TABLE&cusip=65825PCA6&ordersystem=T...
by Iliketoridemybike
Sat Apr 14, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: When to Cancel Disability Insurance
Replies: 2
Views: 392

Re: When to Cancel Disability Insurance

I am dropping mine. I looked at what SS would pay me and it was a no brainer. 3 years from retirement and almost $5 million in assets. I don’t need it.
by Iliketoridemybike
Sat Apr 14, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9837

Re: 2-year AA Munis at Vanguard and Fidelity Today

Mydanyale wrote:
Fri Apr 13, 2018 5:11 pm
@Kevin

Re: Kaiser bonds
I hope you do realize that you bought the bonds above par, and upon maturity in a year, in total return, you will be losing money.
You don’t understand bonds.
by Iliketoridemybike
Fri Apr 13, 2018 6:04 pm
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 158
Views: 11072

Re: Why are expected returns so much lower than historical returns?

The 'single greatest predictor of future stock market returns', the average investor allocation to equities , currently suggests that the next 10 years' returns will average 2.83%. I am getting more than that in bonds right now. :D So, why do you think anybody (investors, pension funds, etc.) are s...
by Iliketoridemybike
Fri Apr 13, 2018 6:03 pm
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 158
Views: 11072

Re: Why are expected returns so much lower than historical returns?

The 'single greatest predictor of future stock market returns', the average investor allocation to equities , currently suggests that the next 10 years' returns will average 2.83%. I am getting more than that in bonds right now. :D Has that lead you to sell all your stocks and hold only bonds? My a...
by Iliketoridemybike
Fri Apr 13, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you buy muni and i-bond funds?
Replies: 8
Views: 487

Re: Where do you buy muni and i-bond funds?

I use Fidelity’s fixed income tool to purchase. Very easy to research and buy.
by Iliketoridemybike
Fri Apr 13, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 158
Views: 11072

Re: Why are expected returns so much lower than historical returns?

willthrill81 wrote:
Thu Apr 12, 2018 10:22 pm
The 'single greatest predictor of future stock market returns', the average investor allocation to equities, currently suggests that the next 10 years' returns will average 2.83%.
I am getting more than that in bonds right now. :D
by Iliketoridemybike
Fri Apr 13, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2306

Re: Cedar Fence: is Maintenance required?

Stain will help maintain a consistent color, at the cost of needing to re-stain periodically. It won't do anything to extend the life. What color un-treated cedar turns depends on the climate it's exposed to. On the eastern shore it tends to turn the traditional weathered grey. In damper inland cli...
by Iliketoridemybike
Thu Apr 12, 2018 9:05 pm
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 158
Views: 11072

Re: Why are expected returns so much lower than historical returns?

Historical real returns are something like 7% on equities Real returns on equities last 50 years (1968-2017) US 5.7% World 5.3% Real returns on equities for 18 years of 21st century (2000-2017) US 3.5% World 2.9% source: Credit Suisse Global Investment Returns Yearbook 2018 The first half of the 11...
by Iliketoridemybike
Thu Apr 12, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: PayPal fund request from unknown person?
Replies: 19
Views: 1725

Re: PayPal fund request from unknown person?

Kenkat wrote:
Thu Apr 12, 2018 8:57 pm
Somebody probably made a typo on an email similar to yours and it just went to the wrong Paypal account as a payment request.
:oops:
by Iliketoridemybike
Thu Apr 12, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: PayPal fund request from unknown person?
Replies: 19
Views: 1725

Re: PayPal fund request from unknown person?

ChinchillaWhiplash wrote:
Thu Apr 12, 2018 8:29 pm
Iliketoridemybike wrote:
Thu Apr 12, 2018 7:30 pm
Delete and block the sender.
Will do. Any chance that the account has been compromised?
Change the password
by Iliketoridemybike
Thu Apr 12, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2306

Re: Cedar Fence: is Maintenance required?

I had a cedar fence. I stained one side and let the neighbors side go “natural”. 15 years later, the neighbors side is dark gray almost black. Our side is the original stain color that we reapplied about every 3 years or so. I prefer the stained side by a mile.
by Iliketoridemybike
Thu Apr 12, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 158
Views: 11072

Re: Why are expected returns so much lower than historical returns?

Historical real returns are something like 7% on equities Real returns on equities last 50 years (1968-2017) US 5.7% World 5.3% Real returns on equities for 18 years of 21st century (2000-2017) US 3.5% World 2.9% source: Credit Suisse Global Investment Returns Yearbook 2018 The first half of the 11...
by Iliketoridemybike
Thu Apr 12, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 11037

Re: Wanting to leave Fidelity

There seem to be more complaints here about service at Vanguard than at Fidelity. Before you switch be sure its what you really want. Sounds like your complaint about poor service is that they've inconvenienced you as a result of strengthening their security procedures (?) - this is a trend in the ...
by Iliketoridemybike
Thu Apr 12, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: PayPal fund request from unknown person?
Replies: 19
Views: 1725

Re: PayPal fund request from unknown person?

Delete and block the sender.
by Iliketoridemybike
Wed Apr 11, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: The "mechanics" of retiring
Replies: 20
Views: 4044

Re: The "mechanics" of retiring

To me it’s simple. What is your budget in retirement including everything: taxes, health insurance, a buffer. Plug into Firecalc or one of the other tools and see the results. If you can get your money to last 40-50 years with your chosen AA, SS, etc, then go for it. And don’t forget sequence of ret...
by Iliketoridemybike
Wed Apr 11, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Weekly Commuting
Replies: 22
Views: 2249

Re: Weekly Commuting

Oh, and don't forget to wash your hands frequently when you're in the airport. I always wash up after getting through security, after landing, and also immediately after getting to my destination (assuming the trip involves a shuttle bus). I did that and never got sick even after a years worth of t...
by Iliketoridemybike
Wed Apr 11, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Ditched bond fund for money market. Thoughts?
Replies: 40
Views: 4598

Re: Ditched bond fund for money market. Thoughts?

The mark to market argument comes up from folks who have money in bond funds. I know what I will get from my ladder and when I will get it. Try that with a bond fund with a dropping NAV, It also comes up from anybody who understands the issue, including those using ladders. Regardless, you don't ac...
by Iliketoridemybike
Wed Apr 11, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Ditched bond fund for money market. Thoughts?
Replies: 40
Views: 4598

Re: Ditched bond fund for money market. Thoughts?

Total return is all that matters. Total return is down on most bond funds because interest rates have been rising. The Fed has pretty much promised to raise rates further, so isn't it reasonable to expect the most likely scenario is bond funds are going to be negative for at least a little while Ra...
by Iliketoridemybike
Wed Apr 11, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Ditched bond fund for money market. Thoughts?
Replies: 40
Views: 4598

Re: Ditched bond fund for money market. Thoughts?

The bond fund price drops a little but you get higher interest going forward. That seems like the number one hardest issue to grasp for most. The “going forward” part of your statement is the unknown. If rates continue to rise and you lose 5-10% in the NAV, it could take years to recoup the loss ba...
by Iliketoridemybike
Wed Apr 11, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 158
Views: 11072

Re: Why are expected returns so much lower than historical returns?

Reversion to the mean. It’s just that simple. If history shows 9-10% returns and recent returns are 2x -3x times that, you have to have a period of below average returns to get back to average.
by Iliketoridemybike
Wed Apr 11, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Taxes - Effective Rate - Am I missing anything?
Replies: 18
Views: 1426

Re: 2017 Taxes - Effective Rate - Am I missing anything?

I have been a reader of investing forums here and learnt quite a bit over the years. Given that it's a tax season, I wanted to run something by experts and other taxpayers here to compare and see if I am not missing anything. Not really looking for tax advice, but rather trying to see if this makes...
by Iliketoridemybike
Wed Apr 11, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Ditched bond fund for money market. Thoughts?
Replies: 40
Views: 4598

Re: Ditched bond fund for money market. Thoughts?

There are ways of getting positive returns in fixed income with rising rates. Ladders work, floating rate funds work, Corp bonds work. Anything returning less than the inflation rate is a losing game.
by Iliketoridemybike
Wed Apr 11, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?
Replies: 20
Views: 1343

Re: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?

And to answer your question, use the 7 day auction. People looking for items like this will usually have a search tagged so they see items as soon as they are listed. 30 day auctions get buried in the standard searchs. With a 7 day you can show up more often in the “just listed” and “ending soonest”...
by Iliketoridemybike
Wed Apr 11, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?
Replies: 20
Views: 1343

Re: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?

I am mostly looking to get rid of vintage audio equipment. I would think the market is small so it's best to have a 30-day listing to find an interested buyer.. In seven days how can one be sure a buyer will notice your listing? Plus seven day auction has other cons: 1) Many people won't bother bid...
by Iliketoridemybike
Wed Apr 11, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 9316

Re: traveling to mexico, should I be concerned?

Travel companies and online sites fail to warn of risks in Mexico. New article.
https://www.jsonline.com/story/news/mex ... 495145002/
by Iliketoridemybike
Tue Apr 10, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: 401ks maxed, Roths fully funded. Whats next?
Replies: 11
Views: 862

Re: 401ks maxed, Roths fully funded. Whats next?

If your tax bracket allows...
Backdoor ROTH

Otherwise
Efficient Taxable investing
Real Estate
Deferred Annuity
Start a business
by Iliketoridemybike
Tue Apr 10, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 39408

Re: Name something you bought that wasn't cheap and glad you did

noco-hawkeye wrote:
Tue Apr 10, 2018 4:36 pm
Bose QC35

I use them at work, really helps me stay focused / isolates noise. Also helpful in air travel. Usually I'd think 30$ on headphones are about as much as I want to spend, but these headphones are totally worth it.
+1
by Iliketoridemybike
Tue Apr 10, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 5979

Re: Retirees: Who's increasing their equities as they age?

Use a planner. I use the Fidelity RPM. It tells me my optimal AA for my expenses, expected age, etc is 40% equities. If I run the planner using higher equity percentages, my results actually drop.