Search found 58 matches

by guppyguy
Thu Oct 22, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: PAI/AD&D - yes or no
Replies: 1
Views: 152

PAI/AD&D - yes or no

Open benefit election period. I elected Accidental Death & Dismemberment insurance years ago for both myself, spouse, and kids (teens) and then forgot about it. It is 500K for parents/100K for kids. Amounts to about $200/year. Mid 40s. We've got ample life insurance and a long-term disability policy...
by guppyguy
Fri Oct 16, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: MVNO on Verizon network...moving away from Ting
Replies: 30
Views: 1775

Re: MVNO on Verizon network...moving away from Ting

oogZoo wrote: Fri Oct 16, 2020 10:19 am How is this related to non-US investing?
Oooppps...my bad....mods please move...:)
by guppyguy
Fri Oct 16, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: MVNO on Verizon network...moving away from Ting
Replies: 30
Views: 1775

MVNO on Verizon network...moving away from Ting

We've had Ting for years (GSM network) on 4 iPhones but are paying increasingly more due to additional data. If I wanted to stay with T-Mobile's network I would probably switch to Mint Mobile. My problem, however, is that I find T-Mobile's coverage to be getting worse. I travel extensively and at ma...
by guppyguy
Thu Oct 15, 2020 3:53 pm
Forum: Investing - Theory, News & General
Topic: New Schwab CD/Treasury Ladder Builder
Replies: 3
Views: 509

New Schwab CD/Treasury Ladder Builder

I was on Schwab.com today and stumbled upon their new ladder tool in the Bond/Fixed Income section. Really pretty slick way to build a CD ladder. Unfortunately, their brokered CD yields are unexciting....but somebody it could be a very useful tool.
by guppyguy
Wed Sep 23, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111296

Re: Best CD rates thread

guppyguy - The eighteen were spread between Synchrony Bank and Navy Federal CU based on the best terms available. As of the end of this month they will all be with NFCU and we will be down to thirteen, one expiring at the end of each month plus the additional one in my wife's name expiring in one o...
by guppyguy
Wed Sep 23, 2020 1:28 pm
Forum: Personal Investments
Topic: Need 529 advice
Replies: 16
Views: 1829

Re: Need 529 advice

We set up a 529 about two years ago for our daughter which has a balance of about 26K in it as of today. Our daughter will be ready for college in 4 years. We have been contributing 1K per month and anticipate full cost at an in state to be 100K. If my job stays stable, our budget allows 1K per mon...
by guppyguy
Wed Sep 23, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111296

Re: Best CD rates thread

I have a ladder of certificates that expire at the end of each month. There were as many as eighteen certificates in effect at one time when rates were better and for different lengths, but now I am down to twelve certificates maturing at the end of each month. To keep track of them I made a simple...
by guppyguy
Wed Sep 23, 2020 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111296

Re: Best CD rates thread

To guppyguy the OP - Kevin M. provided a terrific overview of points to look at in his post - my recommendation, copy and paste that post into a doc for future reference. Also recommend as you learn about purchasing CD's search for Kevin M's post - he is an excellent educator. Evelyn PS You asked m...
by guppyguy
Tue Sep 22, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111296

Re: Best CD rates thread

guppyguy (nice screen name) - I'm assuming you understand first thing to look at is the field of membership restrictions - you have to reside in certain counties in South Dakota for this one? Yeah, I just didn't read that until after I posted here. So is their a min curve gradient you like before g...
by guppyguy
Tue Sep 22, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111296

Re: Best CD rates thread

guppyguy (nice screen name) - I'm assuming you understand first thing to look at is the field of membership restrictions - you have to reside in certain counties in South Dakota for this one? Yeah, I just didn't read that until after I posted here. So is their a min curve gradient you like before g...
by guppyguy
Tue Sep 22, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111296

Re: Best CD rates thread

What are some red flags to look for on a website such as DespositAccounts.com? Is the "Health Rating" that important? For example, when I search for location "Any" the top result is East River FCU with a 5 yr CD at 2.35%. How do I avoid a mistake? :) "Membership in East River Federal Credit Union i...
by guppyguy
Tue Sep 22, 2020 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111296

Re: Best CD rates thread

General question as relative CD newbie. Right now I have a couple with Marcus/GS but would like to push my maturities out from 7 months to 4-6 years. Total of 50K. What are some red flags to look for on a website such as DespositAccounts.com? Is the "Health Rating" that important? For example, when ...
by guppyguy
Tue Sep 22, 2020 4:07 pm
Forum: Personal Investments
Topic: Need 529 advice
Replies: 16
Views: 1829

Re: Need 529 advice

I don't have a formal AA. All of our tax-advantaged retirement accounts are 100% equities and nearly all of our taxable accounts are a combination HYSA, CDs, I-Bonds. We have over 2 years of living expenses in taxable accounts and growing. We basically have 2 portfolios, risk and risk-less. For awh...
by guppyguy
Tue Sep 22, 2020 11:05 am
Forum: Personal Investments
Topic: Need 529 advice
Replies: 16
Views: 1829

Re: Need 529 advice

FWIW- One thing I just discovered which really relieved my concern of the scenario where her 529 is fully funded and she ends up using a state veteran benefit, is that one doesn't have to pay the 10% penalty on this kind of non-qualified withdrawal, up to the amount of the veteran tuition benefit. S...
by guppyguy
Tue Sep 22, 2020 11:02 am
Forum: Personal Investments
Topic: Need 529 advice
Replies: 16
Views: 1829

Re: Need 529 advice

What's YOUR AA? Where do you keep your bonds? Keep in mind, if you have 100k in 529 and $900k retirement, 100% vs 0% equities in 529 makes about a 10% difference in your total AA. If only 400k in retirement, it's a 20% difference. Is there a state tax benefit? 26k now, 48k to start and 48k during c...
by guppyguy
Mon Sep 21, 2020 5:01 pm
Forum: Personal Investments
Topic: Need 529 advice
Replies: 16
Views: 1829

Re: Need 529 advice

For an AA comparison benchmark, you can look at the various age-graded Vanguard 529 funds: https://investor.vanguard.com/529-plan/age-based-options The "moderate" plan has a 14-yr old at 30:70 and the "aggressive" plan at 50:50. Both are 0-10% equities when college starts. Do you get a state tax be...
by guppyguy
Mon Sep 21, 2020 4:43 pm
Forum: Personal Investments
Topic: Need 529 advice
Replies: 16
Views: 1829

Re: Need 529 advice

What is your income level? If you are into the 24% marginal tax bracket, or higher, it is almost a given that your child will not receive any financial aid, and even if she does it will be in the form of loans. Better to load the 529 plan and use it for educational expenses, and let your child grad...
by guppyguy
Mon Sep 21, 2020 1:52 pm
Forum: Personal Investments
Topic: Need 529 advice
Replies: 16
Views: 1829

Need 529 advice

We set up a 529 about two years ago for our daughter which has a balance of about 26K in it as of today. Our daughter will be ready for college in 4 years. We have been contributing 1K per month and anticipate full cost at an in state to be 100K. If my job stays stable, our budget allows 1K per mont...
by guppyguy
Fri Sep 11, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: My shrub tree dying?
Replies: 32
Views: 1726

Re: My shrub tree dying?

It's dead. The fact that the other one right next to it seems fine suggests it isn't a water issue.

How old was it? I had some azaleas die that way recently here in Texas. I think the shock from excessively hot days did them in.
by guppyguy
Fri Sep 11, 2020 5:32 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation-What have you learned about yourself?
Replies: 51
Views: 3599

Re: Asset Allocation-What have you learned about yourself?

I've learned that asset allocation only works if you stop reading about other asset allocation models and just leave your investments alone...for a very long time. In fact, I now really don't have an AA. I think, at least for me, there was too much of a tendency to think of the AA/rebalancing part a...
by guppyguy
Fri Sep 11, 2020 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 14735

Re: Paying off sub 4% mortgage interest rate early

We are about 70% through aggressively paying off a 3.25% mortgage. We are 46, maxing out our 401K/Roth IRAs. We don't have a true AA between stocks and bonds. 100% of our tax advantaged accounts are in stocks. A healthy taxable emergency fund and paid off rental properties are our "stable" bond like...
by guppyguy
Sun Sep 06, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Excel newbie table question
Replies: 8
Views: 862

Re: Excel newbie table question

So I spent an afternoon with pivot tables.....overkill for what I am after. I just want a table with ALL of my investment positions by account then tables extracted from that consisting of either Equities or Bonds for allocation purposes. I think I like the FILTER recommendation above. Side question...
by guppyguy
Sat Sep 05, 2020 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Excel newbie table question
Replies: 8
Views: 862

Re: Excel newbie table question

Thanks, I'll check it out!
by guppyguy
Sat Sep 05, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Excel newbie table question
Replies: 8
Views: 862

Excel newbie table question

Longtime Numbers user trying to learn Excel...... I have a table with 20 rows. Lets say that each row is an asset type, either "equity", "bond", or "toilet paper"... I want to make 3 separate tables which mirror each of the asset types above individually. So there would be a table with only "equity"...
by guppyguy
Sun Aug 30, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Construction and Rebalancing
Replies: 5
Views: 398

Re: Portfolio Construction and Rebalancing

How would you even rebalance at the category level if your “TSM+SCV+Developed+EM” category was too low? Just pick one among those to buys random? Pick your favorite? Pick the recent over-performer? If TSM+SCV+Developed+EM (Risky assets) were too low I would buy proportionately into the lowest price...
by guppyguy
Sun Aug 30, 2020 2:37 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Construction and Rebalancing
Replies: 5
Views: 398

Re: Portfolio Construction and Rebalancing

My question is, would there ever be any value to rebalancing all 8 against each other? I think not. The more complicated a portfolio, the harder it is to compare vastly different assets to each other. If my CD "allocation" is out of balance as compared to my TSM, it is not in the same way, in a dif...
by guppyguy
Sat Aug 29, 2020 4:56 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Construction and Rebalancing
Replies: 5
Views: 398

Portfolio Construction and Rebalancing

In a 2-fund portfolio there is only one ratio: Risky:Risk-less A more complicated portfolio may have the following (I'm not advocating any particular portfolio makeup, only using an example)- Risky = Domestic (TSM and SCV) +International (Developed+EM) So there are 4 "asset classes" that can be reba...
by guppyguy
Wed Aug 19, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4527

Re: Approach to "News" Consumption

I’ve struggled with the same question. Instead of a specific source I’d suggest this rough framework: 1) Read history first. While even that too is susceptible to a revisionist bias it is generally less contentious and more informative. Learning history in its broadest sense enables one to understan...
by guppyguy
Tue Jul 07, 2020 7:24 pm
Forum: Personal Investments
Topic: Excel lookup of CUSIP?
Replies: 0
Views: 245

Excel lookup of CUSIP?

Anybody know of a way to lookup other securities, such as T-Bills or CD's in Excel, like stock quotes. I've tried the CUSIP, name, etc. The help section says it should be able to lookup "stock, equity, mutual fund, ETF, index, currency pair, commodity, and treasury index"
by guppyguy
Thu Jun 18, 2020 3:44 pm
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 46
Views: 7222

Re: New "Money In Excel"

Does Plaid/M.I.E. download position information from the major brokerages (Schwab specifically) ? What about transaction activity, ie buy/sell stocks?

From what I've read it doesn't look like it. I'm already a happy YNAB user so the budget aspect has no allure to me.
by guppyguy
Mon Apr 27, 2020 4:57 pm
Forum: Personal Investments
Topic: Using real return rates with value averaging
Replies: 0
Views: 166

Using real return rates with value averaging

Let's say I have 750K in assets today, retire in 15 years, can contribute 69K per year (real), and am okay with a 3% real rate of return. This means in 15 years my portfolio should theoretically have a FV of about 2.4M in real (today) dollars, which happens to be exactly how much I need in order to ...
by guppyguy
Sun Apr 19, 2020 2:43 pm
Forum: Personal Investments
Topic: Emergency fund placement - is my thinking correct?
Replies: 5
Views: 540

Emergency fund placement - is my thinking correct?

We have had tier 2 (3-9 months of EF) invested in a mix (90/10) of VGSH (Short govt etf) and SPTI (Int govt etf) in a Schwab taxable account for some time. We considering moving this to a 7 mo no-penalty CD with Marcus (1.7%). Reasons: 1) 30 day SEC yield on VGSH/SPTI are .29/.55 last I saw. I imagi...
by guppyguy
Thu Mar 19, 2020 10:18 am
Forum: Personal Investments
Topic: Should I sell VCSH as part of my emergency fund?
Replies: 2
Views: 252

Should I sell VCSH as part of my emergency fund?

I moved about 3 months of living expenses from our HYSA this February into a taxable account consisting of VCSH (Vanguard Short Term Corporate Bond Fund). My motivation at the time was higher yield. I still have 3 more months of living expenses in our HYSA. Hindsight being what it is now, this was a...
by guppyguy
Mon Mar 16, 2020 2:16 pm
Forum: Investing - Theory, News & General
Topic: Why are VTIP and VGSH no longer postivitely correlated?
Replies: 1
Views: 301

Why are VTIP and VGSH no longer postivitely correlated?

I hold equal amounts of the following in my 401K: VGSH - Vanguard Short Term Treasury ETF VTIP - Vanguard Short Term TIP ETF I've noticed that up until about a week ago they tracked together but since the last two rate cuts VTIP seems to be decreasing with stock prices. My very novice explanation is...
by guppyguy
Tue Feb 18, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: Frequency of rebalancing with new monies
Replies: 6
Views: 433

Frequency of rebalancing with new monies

Given that, it seems it is better to rebalance at a yearly interval or once a % threshold is reached, 5/25 for example. In other words, less often is better. And one intends to “rebalance” with new purchases only (no selling except in extreme conditions). However, this seems at odds with the advice ...
by guppyguy
Wed Feb 12, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Income taxes on legal settlement
Replies: 2
Views: 373

Income taxes on legal settlement

Hello- I received an out of court settlement in 2019 from a suit brought against a former property manager who withheld rent from us (2 years earlier). I have/will not received a 1099-MISC for this. The suit was brought forth personally and not part of an LLC or any other entity. How should I accoun...
by guppyguy
Wed Jan 22, 2020 9:25 pm
Forum: Personal Investments
Topic: Should we sell our rental portfolio?
Replies: 34
Views: 2702

Re: Should we sell our rental portfolio?

By AA: Equities 53% Bonds 30% Real Estate 17% ... So would this suggest I'm overweight in real estate? I don't think you're overweight in real estate at all. Overall, I'm 70/9/21 real estate/stock/bond. Aiming for 50/50 real estate/securities by end of year (high savings rate). But, by BH standards...
by guppyguy
Wed Jan 22, 2020 4:57 pm
Forum: Personal Investments
Topic: Should we sell our rental portfolio?
Replies: 34
Views: 2702

Re: Should we sell our rental portfolio?

I don’t know if you should sell Why the heck are your expenses so high? Can you break those down? How do future big ticket items look? Car run in building can be a psychological stress, but should not be $ stress if insured well. What is the outlook? With management company running things, why is t...
by guppyguy
Tue Jan 21, 2020 11:43 pm
Forum: Personal Investments
Topic: Should we sell our rental portfolio?
Replies: 34
Views: 2702

Re: Should we sell our rental portfolio?

I was always under the assumption cap rate and ROE were equal if their isn't any debt being carried? Cap rate is net income divided by purchase price. The denominator never changes, for the life of ownership. Return on Equity is net income divided by current equity, at current FMV. ROE is a much be...
by guppyguy
Tue Jan 21, 2020 11:38 pm
Forum: Personal Investments
Topic: Should we sell our rental portfolio?
Replies: 34
Views: 2702

Re: Should we sell our rental portfolio?

Not answering your question but why did you pay them off? We paid off the first property because property values had dropped significantly, hence we couldn't sell, so it seemed like the only way to keep our heads above water. Also, we moved away from them at this time and needed better cash flow to...
by guppyguy
Tue Jan 21, 2020 8:57 pm
Forum: Personal Investments
Topic: Should we sell our rental portfolio?
Replies: 34
Views: 2702

Re: Should we sell our rental portfolio?

A 9% cap rate sounds pretty good. In the original post, the OP said it was 9% ROE (Return on Equity). That's not cap rate. Different metrics. A 9% cap rate is excellent. A 9% return on equity isn't good, for residential real estate. Would you mind elaborating? I was always under the assumption cap ...
by guppyguy
Tue Jan 21, 2020 8:50 pm
Forum: Personal Investments
Topic: Should we sell our rental portfolio?
Replies: 34
Views: 2702

Re: Should we sell our rental portfolio?

If you didn't own them and they were offered to you right now to buy......would you? I think we all know the answer to that. Sell. As to allocation...I always heard real estate mortgages to be negative bonds. So whatever is mortgaged, subtract from your bond allocation. When you sell, you could pay...
by guppyguy
Tue Jan 21, 2020 8:24 pm
Forum: Personal Investments
Topic: Should we sell our rental portfolio?
Replies: 34
Views: 2702

Re: Should we sell our rental portfolio?

Not the worst invest 9%. Given your not wanting to be bothered by them, sell. Another perspective: I tend to look at cash flow rather than net worth. My AA is 34% stock, 33% muni bonds and 33% real estate (commercial). I believe income producing real estate to be a separate asset class. My cash flo...
by guppyguy
Mon Jan 20, 2020 10:19 pm
Forum: Personal Investments
Topic: Should we sell our rental portfolio?
Replies: 34
Views: 2702

Should we sell our rental portfolio?

We purchased 3 identical duplexes in the mid-west 12 years ago at the top of the real-estate bubble from a colleague/friend. Currently live in TX and in my mid-40s. Married, 2 teenagers. If I interchange I vs we it is unintentional, my wife and I are very much in this together. Purchase price (total...
by guppyguy
Wed Jan 15, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Self tax preparation for a newby
Replies: 15
Views: 1712

Re: Self tax preparation for a newby

Jablean wrote: Wed Jan 15, 2020 12:45 am You do not want online TurboTax because you can't get into the forms themselves and can only answer questions so get the download or buy the CD.
Is this true for TaxAct as well?
by guppyguy
Wed Jan 15, 2020 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Self tax preparation for a newby
Replies: 15
Views: 1712

Re: Self tax preparation for a newby

If your accountant was only charging you $350 for a return with rental properties, he/she was probably just punching in your information to one of the software programs anyway. Assuming by taxable assets at Schwab you mean just capital gains from the sale publicly traded corporations and maybe divi...
by guppyguy
Tue Jan 14, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Self tax preparation for a newby
Replies: 15
Views: 1712

Re: Self tax preparation for a newby

fyre4ce wrote: Tue Jan 14, 2020 8:43 pm How familiar are you with the tax rules for depreciation and business assets? Not saying you shouldn't do the taxes yourself, but there could be a chunk of knowledge you'd need before you can accurately prepare rental property taxes.
I'm pretty familiar.
by guppyguy
Tue Jan 14, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Self tax preparation for a newby
Replies: 15
Views: 1712

Self tax preparation for a newby

Last time I filed our own taxes was in 1998 using TurboTax. While I have enjoyed my experience with my tax preparer (the same one this whole time), I'm yearning to do them again myself and save the $350 and learn. Beyond W2s and taxable assets at Schwab, I also have rental properties. I will probabl...
by guppyguy
Sun Jan 12, 2020 2:52 pm
Forum: Personal Investments
Topic: Funding "Back Door Roth" IRA from Taxable Investments?
Replies: 6
Views: 277

Re: Funding "Back Door Roth" IRA from Taxable Investments?

Wow, that was fast.....

Makes sense, I saw it (the "position vs cash" option) as a drop down option in Schwab but I think that is just part of the generic Transfer screen.

Thanks!