Search found 17 matches

by CuriousTacos
Tue Mar 02, 2021 6:34 pm
Forum: Investing - Theory, News & General
Topic: Can one have too much Roth?
Replies: 215
Views: 21331

Re: Can one have too much Roth?

[...] My point was that saving $56k annually would result in way higher RMDs. However, it looks like willthrill81 disagrees, and I am yet to use his suggestion of using portfolio analyzer to analyze more deeply... the problem is there are too many moving parts. :oops: You don't have to use PV. It's...
by CuriousTacos
Thu Feb 04, 2021 2:34 am
Forum: Personal Finance (Not Investing)
Topic: 2021 charitable contributions - Maxing out DAF and donating to 501c3's - CARES Act and Consolidated Appropriations Act
Replies: 5
Views: 635

Re: 2021 charitable contributions - Maxing out DAF and donating to 501c3's - CARES Act and Consolidated Appropriations A

Oooh, could you share the link to the IRS worksheet? I have not seen that yet and it might help me work through this. My understanding is the same as yours, that the DAF deductions count towards the 100% limit. Similarly, within the DAF contributions, my understanding is that the 30% of LT-stock co...
by CuriousTacos
Tue Feb 02, 2021 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: 2021 charitable contributions - Maxing out DAF and donating to 501c3's - CARES Act and Consolidated Appropriations Act
Replies: 5
Views: 635

Re: 2021 charitable contributions - Maxing out DAF and donating to 501c3's - CARES Act and Consolidated Appropriations A

If I'm reading those correctly, you could give 30% AGI in securities to DAF (matches what you said), 60% AGI in cash to DAF (you had said 20%), and give 100% to (non-DAF) 501c3 (you had said 50%). My interpretation is you'll be under the limits! The IRS worksheet and instructions on this are a pain...
by CuriousTacos
Tue Dec 22, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance for people seeking Financial Independence
Replies: 22
Views: 988

Re: Life insurance for people seeking Financial Independence

The recommendation for decreasing term life insurance makes a lot of sense. I think I remember looking for it when I was shopping around for life insurance, and it wasn't as common. We ended up getting normal term life insurance from difference companies for my spouse and me, and both companies (whi...
by CuriousTacos
Fri Apr 24, 2020 11:05 pm
Forum: Personal Investments
Topic: Does anyone sell puts in order to force re-balancing and collect premiums?
Replies: 34
Views: 1931

Re: Does anyone sell puts in order to force re-balancing and collect premiums?

I called today. I can sell an October SPY 245 (think of that as SP500 At 2450) put at $15.65. I would write two contracts, meaning I would collect $3,130 in premium. The worst case scenario would be that I have to buy 200 shares of SPY at $245 for $49k and I would have collected $3,130 to do that. ...
by CuriousTacos
Mon Feb 11, 2019 2:38 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 512360

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Very interesting thread. I like the theory behind levering up a conservative portfolio, but I'd have to think through this implementation quite a bit before doing it myself. I do have some initial questions/thoughts: 1. If I understand leveraged ETFs correctly, then the cost of the leverage must som...
by CuriousTacos
Mon Oct 08, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 13215

Re: Allan Roth doesn't like single premium annuities

I see both sides of the argument about whether an SPIA is worth it for the longevity insurance. And some of us may have large enough portfolios that this isn't really a concern (a 3% withdrawal rate is pretty safe forever). But I don't see cognitive decline mentioned in this thread , and that's what...
by CuriousTacos
Fri Sep 28, 2018 2:15 pm
Forum: Personal Investments
Topic: understanding how bond funds make or lose money
Replies: 5
Views: 906

Re: understanding how bond funds make or lose money

...you get the interest earned on 500 shares (have no idea how to calculate that or find it in our statement). I'm not 100% sure what you're trying to say here, but it sounds like you might be misunderstanding something about what happens to the interest earned. The interest will be periodically pa...
by CuriousTacos
Wed Aug 22, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 6295

Re: Test your cognitive biases

At the end of the test, there is a link to www.riskliteracy.org. At that site, they have a statistical and risk literacy test that is just two questions (which are similar to the first two questions of the OU quiz), then a results page that is identical to the one at the OU site. So I think the quiz...
by CuriousTacos
Thu Aug 16, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Total vs Partial/Residual Disability
Replies: 9
Views: 646

Re: Disability Insurance - Total vs Partial/Residual Disability

Thanks, I appreciate your help. How about when you have been disabled for 5 years, then recover and go back to work full time, but are only earning half of what you were before because you took a different position, lost your share of a business, etc? You are no longer disabled but have still lost h...
by CuriousTacos
Thu Aug 16, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Total vs Partial/Residual Disability
Replies: 9
Views: 646

Re: Disability Insurance - Total vs Partial/Residual Disability

You still want the partial rider. What happens when you have chronic back pain and are only working 20 hours instead of 50? You aren't totally disabled. Thanks BruDude. I found several sources (such as here and here ) that suggest I would qualify as totally disabled if I can't work full-time (I'm s...
by CuriousTacos
Thu Aug 16, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Total vs Partial/Residual Disability
Replies: 9
Views: 646

Re: Disability Insurance - Total vs Partial/Residual Disability

One common distinction (I am familiar with loan disability policies) is own occupation vs any occupation. Sometimes the policy covers not being able to do your own occupation for a time (say a year) - then any occupation thereafter. Thanks for responding. Indeed, I should have mentioned that the po...
by CuriousTacos
Thu Aug 16, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Total vs Partial/Residual Disability
Replies: 9
Views: 646

Disability Insurance - Total vs Partial/Residual Disability

Hi Everyone, I'm looking to buy disability insurance and have a question about total vs partial (residual) disabilities. California (and possibly other states) requires that the definition of total disability includes the phrase "reasonable continuity", which I understand to mean that if y...
by CuriousTacos
Tue Jul 31, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 12306

Re: An argument against self-insuring for long-term care

How about giving us a couple quotes along the lines of (feel free to switch the actual age/coverage amounts to whatever matches the standard policies you offer) a) 60 year old, 5 years of coverage at 100k/year (with some adjustment) b) 60 year old couple, say 8-10 years of coverage at 100k/year (wi...
by CuriousTacos
Fri Jul 20, 2018 2:56 am
Forum: Investing - Theory, News & General
Topic: In defense of short-term treasuries
Replies: 114
Views: 9125

Re: In defense of short-term treasuries

I'm not convinced that cash + IT is a proxy for ST. The definition of cash is more or less zero risk and zero return. It is inevitable that for anything that has a positive return, replacing some of it with cash will make the return worse. You've just rediscovered cash drag: cash + <anything> has l...
by CuriousTacos
Fri Jul 20, 2018 1:04 am
Forum: Investing - Theory, News & General
Topic: In defense of short-term treasuries
Replies: 114
Views: 9125

Re: In defense of short-term treasuries

However, 1972-1977 are important to include since it was a bad time for longer term bonds. Cash is the closest thing to ST Treasuries, and portoflio visualizer has data for cash for the full time period, so we could compare IT Treasuries to cash ( link vs link ). IT Treasuries still come out ahead ...
by CuriousTacos
Thu Jul 19, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: In defense of short-term treasuries
Replies: 114
Views: 9125

Re: In defense of short-term treasuries

Hello, Common wisdom is that Intermediate Term (IT) treasuries are better for diversifying stocks than Short Term (ST) treasuries. The resoning provided is that, when markets crash, the Fed lowers itnerest rates and ITs go up in value. However, I ran Monte Carlo simulations and it looks like (1) th...