Search found 147 matches

by depressed
Fri May 24, 2019 9:03 am
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 3347

Re: Any option traders?

Wow on the out of context multi quoting analysis. You quote 3 different people, including me. What I do with a naked put is included in my sentence. I don’t need you to redefine my comment into what you decide as misleading related to covered calls. I specifically didn’t discuss covered calls becau...
by depressed
Thu May 23, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Payable On Death Account to Complement Will
Replies: 66
Views: 3746

Re: Payable On Death Account as Will Substitute

I am the original poster: Clarification: This family member does have a will that names the same two people as his sole heirs. He doesn't want to change that. It just seems to me that having the POD account simplifies his intentions, since his Vanguard taxable account is his main financial asset. B...
by depressed
Wed May 22, 2019 9:16 pm
Forum: Personal Investments
Topic: vusxx buy at end of month
Replies: 7
Views: 615

Re: vusxx buy at end of month

if vusxx is always a dollar and pays dividend at the end of the month, does it make sense to always buy vusxx towards the end of the month ? No. Money markets are special in that the dividend they pay is computed daily and paid monthly. Roughly speaking, for a constant yield, this means that the di...
by depressed
Wed May 22, 2019 1:35 pm
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 3347

Re: Any option traders?

You're example isn't really a naked put because it's secured by the cash from bond. Naked put usually implies no cash backing the contract that requires you to buy the stock potentially. A covered Call and owning stock is like a cash secured put. Not a naked put. It's naked put writing as opposed t...
by depressed
Wed May 22, 2019 12:15 pm
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 3347

Re: Any option traders?

You're example isn't really a naked put because it's secured by the cash from bond. Naked put usually implies no cash backing the contract that requires you to buy the stock potentially. A covered Call and owning stock is like a cash secured put. Not a naked put. I'd say we are on the same page, So...
by depressed
Wed May 22, 2019 10:20 am
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 3347

Re: Any option traders?

I routinely trade spreads during earnings season and sell puts on stocks I don’t mind owning for a while. . . . . . . I sell naked puts on stocks I am willing to own. I also sell covered calls on the few stocks I own when the opportunity presents itself. Like the previous poster suggested writing c...
by depressed
Tue May 21, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 9318

Re: Anyone else looking forward to Game of Thrones?

That's a pretty stark graph, for sure, and yet I applaud the writers' talent and enjoyed each turn in the story, even those that on the surface made no sense. After all, what is there about people in our real life that ever makes sense on the surface? I also enjoyed the wry humor the writers express...
by depressed
Tue May 21, 2019 8:17 pm
Forum: Personal Investments
Topic: Concerns with my new company 401k options!
Replies: 9
Views: 1022

Re: Concerns with my new company 401k options!

There are some gems in your new 401k. For a three fund portfolio, you would want the Fidelity 500 fund (FXAIX), Fidelity Extended Market (FSMAX), Vanguard Total International Stock (VTIAX) and Vanguard Total Bond Market (VBTLX). These are all very low cost and perfectly suitable for a Bogleheads th...
by depressed
Tue May 21, 2019 4:27 pm
Forum: Personal Investments
Topic: An Advisor Refusing To Sell Investments
Replies: 65
Views: 8316

Re: An Advisor Refusing To Sell Investments

Maybe my information is out of date. Do advisors still require you to sign some kind of arbitration agreement that waives at least some of your rights to sue them directly?
by depressed
Tue May 21, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: mistake in global entry form
Replies: 7
Views: 699

Re: mistake in global entry form

I like the name "Global Entry Form." Always makes me feel as if I could be arriving on Earth from Mars, Makemake, or Proxima Centauri b.
by depressed
Tue May 21, 2019 3:05 pm
Forum: Investing - Theory, News & General
Topic: Suggestions for introduction to options book....
Replies: 8
Views: 544

Re: Suggestions for introduction to options book....

Thanks depressed! Cheer up, you did a good deed today! :beer Broken Man 1999 Thanks for the kind words, Broken Man 1999. If you decide to get one or both of those books, and you'd like to discuss anything, please post a message here. We can grab a booth in the back :sharebeer where the orthodox Bog...
by depressed
Tue May 21, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can a cashiers check be made out to cash?
Replies: 18
Views: 1253

Re: Can a cashiers check be made out to cash?

Some police stations allow you to meet in their parking lot or lobby for transactions between strangers. Gill's advice on the cashier's check sounds sound, although I would ask at the bank ahead of time.
by depressed
Tue May 21, 2019 11:26 am
Forum: Personal Investments
Topic: Investment Strategy
Replies: 3
Views: 345

Re: Investment Strategy

These are good questions, Med4. I would not keep money for a down payment in an equity fund if I needed it in two to three years (because a 20% or worse bear market could derail my purchase plan). Unlike others, I would be comfortable keeping the funds in VMATX, knowing that it could suffer a drop i...
by depressed
Tue May 21, 2019 10:42 am
Forum: Investing - Theory, News & General
Topic: Suggestions for introduction to options book....
Replies: 8
Views: 544

Re: Suggestions for introduction to options book....

You'll get a tremendous amount from the all-time classic, Options as a Strategic Investor (2nd edition) by Lawrence G. McMillan. It is suitable for an investor with experience in stocks and bonds but no previous exposure to options. The only other book I turned to regularly in my unbroken and youthf...
by depressed
Mon May 20, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security replacement annuity -- Is there such a product?
Replies: 64
Views: 5159

Re: Social Security replacement annuity -- Is there such a product?

I was unsure where the idea arose that I was seeking some magic wand that allowed people to avoid saving. Then, I realized that the fault was mine: In trying to steer people to the risk-pooling aspects of my idea, I implied there was not a pot of money available to buy either a conventional annuity...
by depressed
Mon May 20, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Irrevocable trusts and capital gains
Replies: 5
Views: 650

Re: Irrevocable trusts and capital gains

Here are a few links that may help: 1. On distributing capital gains to a beneficiary and having those gains taxed at the beneficiary level: http://www2.csudh.edu/rmalamud/elder414.pdf 2. On distributions in kind: https://www.cpajournal.com/2017/09/29/tax-planning-distributions-kind-estates-trusts/ ...
by depressed
Sun May 19, 2019 7:37 pm
Forum: Investing - Theory, News & General
Topic: Safety of investing in CDs with online bank?
Replies: 9
Views: 1299

Re: Safety of investing in CDs with online bank?

I would not be worried about losing money in a US government insured CD. Are you worried about something else, such as identity theft online?
by depressed
Sun May 19, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: VTIAX SEC yield?
Replies: 3
Views: 513

Re: VTIAX SEC yield?

I, too, have noticed that international funds don't list a SEC yield. I don't know why, but when I am interested in comparing dividend yields of the underlying stocks within funds, I'll check the dividend yield on the Portfolio tab of the fund's Morningstar page. For example: http://portfolios.morni...
by depressed
Sat May 18, 2019 7:42 pm
Forum: Personal Investments
Topic: Vanguard Extended Market Index to add Mid and Small Caps?
Replies: 12
Views: 916

Re: Vanguard Extended Market Index to add Mid and Small Caps?

I don't think that KingMoutain said that he or she has nine funds; those nine categories are where the stocks lie from whatever funds are in his or her holdings (according to the Portfolio Visualizer). Having said that, I would be curious about what those funds are: It doesn't seem to be entirely VT...
by depressed
Sat May 18, 2019 6:27 pm
Forum: Investing - Theory, News & General
Topic: To invest in bnd for 2.5 years?
Replies: 17
Views: 2651

Re: To invest in bnd for 2.5 years?

Why not something like IBDM, the iShares iBonds Dec 2021 Term Corporate ETF? https://www.ishares.com/us/products/272342/ishares-ibonds-dec-2021-corporate-etf I don't fully understand your post. Duricka never mentioned any specific funds (such as IBDM) that he didn't want to buy. Yes, I’m suggesting...
by depressed
Sat May 18, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: To invest in bnd for 2.5 years?
Replies: 17
Views: 2651

Re: To invest in bnd for 2.5 years?

vineviz wrote:
Sat May 18, 2019 6:10 pm
Why not something like IBDM, the iShares iBonds Dec 2021 Term Corporate ETF?

https://www.ishares.com/us/products/272 ... porate-etf
I don't fully understand your post. Duricka never mentioned any specific funds (such as IBDM) that he didn't want to buy.
by depressed
Sat May 18, 2019 10:24 am
Forum: Personal Investments
Topic: Am I being ripped off?
Replies: 42
Views: 4991

Re: Am I being ripped off?

I don't think that is correct. The bonds OP bought are Treasury Notes and TN's pay interest periodically at the coupon rate. This is different from original issue 6-month Treasury Bills, which are sold at a discount to face value (where the interest is the difference between what you pay and what y...
by depressed
Fri May 17, 2019 9:43 am
Forum: Investing - Theory, News & General
Topic: VBILX and VBLAX; Hybrid Treasury/corporate funds?
Replies: 11
Views: 1374

Re: VBILX and VBLAX; Hybrid Treasury/corporate funds?

My avatar used to be a green-screen sign-on prompt from a functional Xerox Sigma 9 computer. I recently changed it to what you see now, a model 33 Teletype machine. Both the Teletype terminal and the Sigma 9 mainframe are at the Living Computer Museum in Seattle WA. That's very cool. I miss the day...
by depressed
Thu May 16, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: VBILX and VBLAX; Hybrid Treasury/corporate funds?
Replies: 11
Views: 1374

Re: VBILX and VBLAX; Hybrid Treasury/corporate funds?

Thank you for the compliments :) I'm old-school: I typed the data into a text file using an editor called vi. (No, my monitor was not green letters on a black background.) Glad to see another old-school computer user here. (Hint: see my username and avatar. I've put in my share of years on "green s...
by depressed
Thu May 16, 2019 5:32 pm
Forum: Investing - Theory, News & General
Topic: VBILX and VBLAX; Hybrid Treasury/corporate funds?
Replies: 11
Views: 1374

Re: VBILX and VBLAX; Hybrid Treasury/corporate funds?

11cents wrote:
Thu May 16, 2019 1:26 pm
depressed wrote:
Thu May 16, 2019 10:58 am

Any other users of vi still alive?
I'm a user of vi and a holder of VBILX; this topic was meant for me!
Ah! Must be an omen for you to buy a lottery ticket today. Be sure to include the number VI among your picks. Thanks for helping me to feel included today!
by depressed
Thu May 16, 2019 5:30 pm
Forum: Personal Investments
Topic: Is a bad idea to own vtsax and qqq?
Replies: 14
Views: 1972

Re: Is a bad idea to own vtsax and qqq?

Many investors own the entire stock market (VTSAX) and own one or more additional funds to create a tilt to some factor or sector. Adding QQQ to a total market fund will give you a tilt toward giant tech: (69.73% of QQQ is classed as Giant vs 46.65% of VTSAX, and 56.31% of QQQ is technology vs 22.96...
by depressed
Thu May 16, 2019 2:26 pm
Forum: Personal Investments
Topic: Vanguard information security
Replies: 18
Views: 1491

Re: Vanguard information security

I would consider also using a unique username for each site too. Wow, haven't heard this advice but it seems easy to follow. Does Vanguard allow you to change your username? I clicked on the User name and password link in account maintenance, but the link provides no option to change the user name....
by depressed
Thu May 16, 2019 1:57 pm
Forum: Investing - Theory, News & General
Topic: Expected return of a bond fund
Replies: 39
Views: 5861

Re: Expected return of a bond fund

Very interesting, Grabiner. I'd never thought about that before, but it makes sense for a bond fund that holds bonds in a limited-term range. Thanks. On the other hand, what about a total market bond fund, which holds all durations? In the absence of any other information, assume that the bonds are ...
by depressed
Thu May 16, 2019 12:57 pm
Forum: Personal Investments
Topic: Good fund to accumulate for mortgage payoff
Replies: 37
Views: 4203

Re: Good fund to accumulate for mortgage payoff

The lowest-risk possibility that I know of to meet your requirement is Vanguard Intermediate-Term Corporate ETF [VCIT], which has a current SEC yield of 3.57% (2.78% after tax, assuming the 22% tax bracket). That does not take into account state taxes or possibly being in a higher federal tax bracke...
by depressed
Thu May 16, 2019 11:49 am
Forum: Investing - Theory, News & General
Topic: Pre-RMD Retirement Sweet Spot - Accelerating IRA Withdrawals vs. Roth Conversion
Replies: 51
Views: 4445

Re: Pre-RMD Retirement Sweet Spot - Accelerating IRA Withdrawals vs. Roth Conversion

I enjoyed the podcast; thanks for posting the link. Here is one key point: Yeah, the only thing I would say to that is, it’s not necessarily the case that you would want to set up taxable account assets just to be able to [adjust your] asset location [between taxable and tax-deferred]. I interpret t...
by depressed
Thu May 16, 2019 10:58 am
Forum: Investing - Theory, News & General
Topic: VBILX and VBLAX; Hybrid Treasury/corporate funds?
Replies: 11
Views: 1374

Re: VBILX and VBLAX; Hybrid Treasury/corporate funds?

Thanks. Where/how did you create this data? Very helpful and easier than looking at multiple fund data links. I too love the way data is displayed. I am curious what tool you used and if it will work for other (bond) funds too? Thank you for the compliments :) I'm old-school: I typed the data into ...
by depressed
Wed May 15, 2019 9:21 am
Forum: Investing - Theory, News & General
Topic: VBILX and VBLAX; Hybrid Treasury/corporate funds?
Replies: 11
Views: 1374

Re: VBILX and VBLAX; Hybrid Treasury/corporate funds?

Can anyone give some insight/opinion on the two bond funds that seems to carry a % of govt bonds; roughly 53% for the intermediate (VBILX) and 42% for the long (VBLAX adm/VBLTX invs closed)? These two bond funds seems like "hybrids" between the pure treasury bond funds (VSIGX and VLGSX) and the pur...
by depressed
Tue May 14, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4486

Re: Instant Coffee?

Kenkat wrote:
Tue May 14, 2019 7:50 pm
Jim never has a second cup at home... :?:
I remember that commercial, Kenkat! :sharebeer
by depressed
Tue May 14, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4486

Re: Instant Coffee?

I keep a box of Folgers coffee bags in the house for when my daughter visits, along with her favorite vegan creamer and a hand-held spinny thing that froths the creamer. She insists that the water be boiling when she pours it over the bag. The vegan creamer just needs to be hot, but not necessarily ...
by depressed
Tue May 14, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: One-day sale on cable modems [Amazon]
Replies: 14
Views: 1097

Re: One-day sale on cable modems [Amazon]

I have a question stemming from my ignorance: Why would I ever want a faster cable modem? My current modem is a Motorola SB5101U, and I have no trouble with loading web pages or streaming videos. My cable company keeps asking me to upgrade the modem, and I wonder why would I? My currently measured ...
by depressed
Tue May 14, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: One-day sale on cable modems [Amazon]
Replies: 14
Views: 1097

Re: One-day sale on cable modems [Amazon]

I have a question stemming from my ignorance: Why would I ever want a faster cable modem? My current modem is a Motorola SB5101U, and I have no trouble with loading web pages or streaming videos. My cable company keeps asking me to upgrade the modem, and I wonder why would I? My currently measured ...
by depressed
Tue May 14, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: One-day sale on cable modems [Amazon]
Replies: 14
Views: 1097

Re: One-day sale on cable modems [Amazon]

I have a question stemming from my ignorance: Why would I ever want a faster cable modem? My current modem is a Motorola SB5101U, and I have no trouble with loading web pages or streaming videos. My cable company keeps asking me to upgrade the modem, and I wonder why would I? My currently measured d...
by depressed
Sun May 12, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Ever Had an Animal Stuck in Chimney? What Did You Do?
Replies: 32
Views: 2339

Re: Ever Had an Animal Stuck in Chimney? What Did You Do?

We had the same problem years ago, and we blasted opera music up the chimney. The critters left quickly, and we capped the top. Fortunately, we got to it before the babies were born.
by depressed
Tue Apr 23, 2019 4:51 pm
Forum: Personal Investments
Topic: Techniques for doing NOTHING?
Replies: 48
Views: 4970

Re: Techniques for doing NOTHING?

I did nothing yesterday, but I feel that I didn't really finish (or at the very least, could use some more practice), so I'm back at it again today.
by depressed
Mon Apr 22, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is This Typical SSA Screw-up, or Cause for Alarm?
Replies: 22
Views: 2653

Re: Is This Typical SSA Screw-up, or Cause for Alarm?

I hate to say it but the best way to get it straight is to call and make an appointment at your local SS office. You need to do this ASAP if you want to ensure you will begin receiving benefits on time. It’s a pain because the holdtime is about an hour on the phone but the appointment is pretty eas...
by depressed
Mon Apr 22, 2019 4:35 pm
Forum: Personal Investments
Topic: Exchange Vanguard Admiral for Investor- capital gains?
Replies: 16
Views: 1035

Re: Exchange Vanguard Admiral for Investor- capital gains?

If you sell the Admiral shares and buy the Investor shares, that will trigger capital gains. I don't know about explicitly requesting a conversion in that direction, although I have had shares converted by Vanguard (about a year after I no longer met the Admiral minimum), and that did not trigger ca...
by depressed
Sun Apr 21, 2019 4:09 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 80
Views: 7429

Re: American Funds vs Vanguard

Perhaps Investopedia can state it more clearly than I did, Earl: Trust me, I've read all that. Investopedia's conclusion about the shareholders being the "true owners" is just flat wrong. You or I do not have any real ownership. We don't vote for the board or bylaws. We don't control the salaries o...
by depressed
Sun Apr 21, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 80
Views: 7429

Re: American Funds vs Vanguard

It's not even true. Vanguard is not a mutual company. Fund shareholders are not shareholders in the company and have no ownership rights. The funds own the company. Shareholders are at best owner-by-proxy, except that they get no benefits or rights. Perhaps Investopedia can state it more clearly th...
by depressed
Sun Apr 21, 2019 1:43 pm
Forum: Personal Investments
Topic: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)
Replies: 11
Views: 590

Re: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)

The backdoor Roth involves two steps: make a nondeductible contribution to a traditional IRA convert that contribution to a Roth IRA I believe that these days, you may always do these two steps; and if you have no other traditional IRA money, then Step 2 generates no taxable income (because you're c...
by depressed
Sun Apr 21, 2019 1:23 pm
Forum: Personal Investments
Topic: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)
Replies: 11
Views: 590

Re: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)

I have rolled retirement plan assets into an IRA myself, and I made this list of potential disadvantages of rolling into an IRA vs leaving it where it is or rolling it into a new 401k at a new employer: Will I lose access to any low-cost, institutional funds that I can't get outside my workplace pla...
by depressed
Sun Apr 21, 2019 12:12 pm
Forum: Personal Investments
Topic: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)
Replies: 11
Views: 590

Re: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)

Hi everyone, I am moving a retirement plan from a company plan to my Vanguard account. One of the main holdings in my company plan is BCOIX which I've been happy with taking up shelf space in my bond portion of my AA. I'm reviewing the VG options and am not finding a product that reasonably matches...
by depressed
Sun Apr 21, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Re-Examining an assumption: 45% bonds in retirement?
Replies: 95
Views: 12325

Re: Re-Examining an assumption: 45% bonds in retirement?

Some considerations: Suppose you keep your asset allocation at its current ratio and the stock market takes a big dip as you're nearing retirement. Would you then feel the need to postpone retirement? Is that a comfortable option for you? If you stay at the higher equity allocation over the next nin...
by depressed
Sat Apr 20, 2019 8:34 pm
Forum: Investing - Theory, News & General
Topic: Bond fund duration
Replies: 7
Views: 861

Re: Bond fund duration

Thanks all for the replies. I have a better understanding now. Just a side note, always wondered why VG Life strategy Income fund, which according to the description may be used for short term investing used TB with a duration of 6 years. Part of the reason is because the Life Strategy Income Fund ...
by depressed
Sat Apr 20, 2019 6:12 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 80
Views: 7429

Re: American Funds vs Vanguard

Is it really? Wow - did not know that! I don't know whether Vanguard is the only mutual mutual fund company (meaning that the fund shareholders are the owners of Vanguard itself, so there are no other company owners who expect Vanguard to be making a profit from the funds), but it's the only signif...
by depressed
Fri Apr 19, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 3619

Re: Buying a bed

dm200 wrote:
Thu Apr 11, 2019 3:47 pm
Unlike my wife, I am not fussy at all.
I'm guessing that if you follow Shakespeare's lead, you'll want to keep it quiet (while you're living):
William Shakespeare's will wrote:Item I gyve unto my wife my second best bed . . .