Search found 253 matches

by HappyJack
Mon Feb 22, 2021 2:20 pm
Forum: Investing - Theory, News & General
Topic: TIPS v. inflation protected mutual fund/ETF
Replies: 23
Views: 1999

Re: TIPS v. inflation protected mutual fund/ETF

I’m not sure if you are looking to construct a liability matching portfolio or just get some TIPS in your portfolio. I used LTPZ and FIPDX to create my liability matching portfolio. I wanted the flexibility of using funds instead of individual TIPS. Some notable forum gurus on this are bobk, vineviz...
by HappyJack
Wed Feb 17, 2021 7:20 am
Forum: Investing - Theory, News & General
Topic: Bonds in free fall
Replies: 583
Views: 43656

Re: Bonds in free fall

What I have learned on this forum. 1. Difficult / impossible to time the bond market. 2. Determine your liabilities to be met and the time that they will come due. 3. Match your bond portfolio duration to meet these liabilities as they come due. 4. Pick your products to meet #3 5. Stay the course.
by HappyJack
Sat Feb 13, 2021 10:53 am
Forum: Investing - Theory, News & General
Topic: Should everyone have TIPS?
Replies: 134
Views: 11632

Re: Should everyone have TIPS?

Grok
Dad lived to 93. Felt like in current market I would go to age 91 and let the Risk portfolio run a bit. I can easily add to the LMP as we go. I am currently 67. Retiring later this year. Take SS at 70.
by HappyJack
Sat Feb 13, 2021 10:43 am
Forum: Investing - Theory, News & General
Topic: Should everyone have TIPS?
Replies: 134
Views: 11632

Re: Should everyone have TIPS?

Yes. Almost all in tax deferred. Left some LTPZ in taxable.
by HappyJack
Sat Feb 13, 2021 10:41 am
Forum: Investing - Theory, News & General
Topic: Should everyone have TIPS?
Replies: 134
Views: 11632

Re: Should everyone have TIPS?

This should control interest rate risk, default risk, and inflation risk. Expensive though. And of course, past performance....
by HappyJack
Sat Feb 13, 2021 10:34 am
Forum: Investing - Theory, News & General
Topic: Should everyone have TIPS?
Replies: 134
Views: 11632

Re: Should everyone have TIPS?

With the help of Bobk, Vineviz, grok, bigskyguy, and others I have established an LMP with LTPZ (long term TIPS), FIPDX (intermediate term TIPS) and a stable value fund that is duration matched to meet my expenses out to age 91. About 50% of total portfolio. The rest is in stock index funds. Its mor...
by HappyJack
Thu Jan 21, 2021 1:35 pm
Forum: Personal Investments
Topic: BOA/Merrill Edge brokerage
Replies: 15
Views: 1256

Re: BOA/Merrill Edge brokerage

Thanks
by HappyJack
Thu Jan 21, 2021 11:35 am
Forum: Personal Investments
Topic: BOA/Merrill Edge brokerage
Replies: 15
Views: 1256

Re: BOA/Merrill Edge brokerage

:idea:
by HappyJack
Thu Jan 21, 2021 9:40 am
Forum: Personal Consumer Issues
Topic: Purchase Iphone 12- use my carrier? Amazon? Apple?
Replies: 9
Views: 822

Purchase Iphone 12- use my carrier? Amazon? Apple?

Any ideas on the best way to buy an I phone?
Thanks
by HappyJack
Thu Jan 21, 2021 9:37 am
Forum: Personal Investments
Topic: BOA/Merrill Edge brokerage
Replies: 15
Views: 1256

Re: BOA/Merrill Edge brokerage

Thanks. Thats what I was thinking also. Just not sure of any pitfalls.
by HappyJack
Thu Jan 21, 2021 9:17 am
Forum: Personal Investments
Topic: BOA/Merrill Edge brokerage
Replies: 15
Views: 1256

BOA/Merrill Edge brokerage

Has anyone set up a Bank of America / Merrill Edge brokerage account when there is not a Bank of America nearby. I’m trying to help a family member set up a Bank of America account and utilize the credit card rewards options as well as the brokerage account. They have come into a sum of money that w...
by HappyJack
Wed Dec 30, 2020 4:52 pm
Forum: Investing - Theory, News & General
Topic: TLH Opportunity Lost?
Replies: 3
Views: 315

TLH Opportunity Lost?

When the market dropped in March I tax loss harvested from VOO to VTI and the VXUS to VEA. Both have appreciated nicely. I have about 40K in losses. I am happy to let everything ride at this point. Am I losing out on any opportunities by not selling some shares to tske advantage of the losses. Thanks.
by HappyJack
Sat Nov 28, 2020 3:38 pm
Forum: Personal Investments
Topic: LMP architects - can I ask your help?
Replies: 6
Views: 877

Re: LMP architects - can I ask your help?

Thanks grok and bigsky. Then inside of the 5.6 years use stable value fund? Or just not to worry.
by HappyJack
Fri Nov 27, 2020 5:29 pm
Forum: Personal Investments
Topic: LMP architects - can I ask your help?
Replies: 6
Views: 877

LMP architects - can I ask your help?

As I have posted before, I have structured my liability matching portfolio with two funds that are available to me in my 401(k) FIPDX (duration 5.63) LTPZ (duration 21.56) I am using a stable value fund for the year prior to redemption and then moving the next years balance down to that SV fund. My ...
by HappyJack
Fri Nov 27, 2020 11:00 am
Forum: Personal Investments
Topic: Those that won the game with x amount in FI, do you still rebalance ?
Replies: 13
Views: 1658

Re: Those that won the game with x amount in FI, do you still rebalance ?

I am continuing to construct my LMP, using two tips funds, FIPDX & LTPZ. I am thinking of pulling some funds from this very successful equity run and building a couple of more rungs onto my LMP with these funds. I would like to know some of your thoughts on this process.
by HappyJack
Mon Nov 23, 2020 9:46 pm
Forum: Personal Investments
Topic: Recommendations from financial advisor
Replies: 63
Views: 5792

Re: Recommendations from financial advisor

Saw this once on the forum.
“Some advisers turn your money and their experience into their money and your experience.”
by HappyJack
Wed Oct 28, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Drinking water at home
Replies: 72
Views: 4725

Re: Drinking water at home

+1
This works to de-chlorinate.
by HappyJack
Sun Oct 18, 2020 4:46 pm
Forum: Investing - Theory, News & General
Topic: Can anyone comment on MaxFi financial planning software?
Replies: 12
Views: 1559

Can anyone comment on MaxFi financial planning software?

Can anyone comment on MaxFi financial planning software? Thanks.
by HappyJack
Thu Sep 03, 2020 6:19 am
Forum: Personal Investments
Topic: Portfolio review: Currently feeling foolish for being a Boglehead. Help!
Replies: 53
Views: 5177

Re: Portfolio review: Currently feeling foolish for being a Boglehead. Help!

If your batting average was .300 during your entire career in major-league baseball you would probably never win the batting title in any year. But you would have an excellent chance of ending up in the baseball Hall of Fame.
by HappyJack
Wed Sep 02, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 96
Views: 9146

Re: Best Way to Watch British Mystery Shows

Death in Paradise is great also.
by HappyJack
Mon Aug 24, 2020 3:03 pm
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolio and/or Asset Allocation
Replies: 52
Views: 3660

Re: Liability Matching Portfolio and/or Asset Allocation

Take some time.
Read up on Dr Bill Bernstein and Dr Robert Merton for info on Liability Matching, and Liability Duration Matching Portfolio theory.
by HappyJack
Tue Aug 18, 2020 5:35 pm
Forum: Investing - Theory, News & General
Topic: TLH - do I have this correct?
Replies: 5
Views: 389

Re: TLH - do I have this correct?

Livesoft. Yes. All those ETFs were sold at losses and the combined losses would exceed the expected capital gains from this proposed sale (for a net loss). Is there a holding period that I need to observe or can this sale take place right away and as long as the net loss exceeds the net gains I will...
by HappyJack
Tue Aug 18, 2020 8:23 am
Forum: Investing - Theory, News & General
Topic: TLH - do I have this correct?
Replies: 5
Views: 389

TLH - do I have this correct?

In May I sold five funds IJR, FAARX, VOO, VXF, VXUS for a combined loss. I consolidated into two funds VEU, VTI. These are up considerably today. If I sell a portion of these new funds are the profits negated For tax purposes as long as The profit from the sale is less than the total of the losses f...
by HappyJack
Sat Aug 08, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10054
Views: 711712

Re: Refinance Mega Thread

Is it possible to refinance without having an in-home appraisal
by HappyJack
Sat Aug 08, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10054
Views: 711712

Re: Refinance Mega Thread

Is it possible to refinance without having an in-home appraisal
by HappyJack
Sat Aug 01, 2020 11:17 am
Forum: Personal Investments
Topic: Good idea to hold TIPS now?
Replies: 185
Views: 16605

Re: Good idea to hold TIPS now?

Warren Buffett has famously said, “I would rather be approximately right than precisely wrong.”

Maybe ease into a stronger position over time.

Disclosure: my LMP is comprised of LTPZ, FIPDX and some VFIUX.
by HappyJack
Tue Jul 28, 2020 5:36 pm
Forum: Investing - Theory, News & General
Topic: REITS up today
Replies: 5
Views: 857

Re: REITS up today

Thanks grok
Yes, I have been following that one. I still have a ways to go until I can get my nose above water with my REIT. Hoping for some more good days.
by HappyJack
Tue Jul 28, 2020 3:43 pm
Forum: Investing - Theory, News & General
Topic: REITS up today
Replies: 5
Views: 857

REITS up today

Anyone know why REITS has a nice boost today?
by HappyJack
Sun Jul 26, 2020 8:37 am
Forum: Personal Investments
Topic: Social Security Office Unresponsive 14 weeks
Replies: 9
Views: 1536

Re: Social Security Office Unresponsive 14 weeks

Crefwatch Yes. I have an SSA.gov account and have followed it there online. It says that the work is in progress. Has been for 14 weeks. I got written correspondence with the claims specialist and her Phone number and extension at Social Security administration. It is an official document. We review...
by HappyJack
Sun Jul 26, 2020 7:42 am
Forum: Personal Investments
Topic: Social Security Office Unresponsive 14 weeks
Replies: 9
Views: 1536

Re: Social Security Office Unresponsive 14 weeks

Possibly. However, I called my local office and spoke to a representative there. She contacted my representative at the national workload office and said that they would contact me back. Still nothing. When I go online and check the status of the project it says it is processing. Pretty frustrating....
by HappyJack
Sun Jul 26, 2020 7:06 am
Forum: Personal Investments
Topic: Social Security Office Unresponsive 14 weeks
Replies: 9
Views: 1536

Social Security Office Unresponsive 14 weeks

Applied for spousal benefits on April 7 online.
Followed up with a case worker they said everything was in order and online it says it is “processing”.
I was supposed to receive my check on May 20.
I have called my specific case worker each day with no call back.

Does anyone have any suggestions?
by HappyJack
Tue Jul 21, 2020 9:18 am
Forum: Personal Investments
Topic: UPCOMING 10 year Tips and 20 years Tips auction
Replies: 8
Views: 949

Re: UPCOMING 10 year Tips and 20 years Tips auction

What about a fund like LTPZ long term tips. It has a steep .20 expense ratio but the duration will stay around 21.46
by HappyJack
Sun Jul 19, 2020 10:44 pm
Forum: Investing - Theory, News & General
Topic: TIPS/LMP Concerns
Replies: 41
Views: 1801

Re: TIPS/LMP Concerns

Thanks bigskyguy. I look for the liability duration matching income plan to provide a solid base to cover our needs. Thanks for a great post.
by HappyJack
Sat Jul 18, 2020 3:36 pm
Forum: Investing - Theory, News & General
Topic: TIPS/LMP Concerns
Replies: 41
Views: 1801

Re: TIPS/LMP Concerns

So Vineviz. Yes its B. And thanks for all your help in the past
by HappyJack
Sat Jul 18, 2020 3:34 pm
Forum: Investing - Theory, News & General
Topic: TIPS/LMP Concerns
Replies: 41
Views: 1801

Re: TIPS/LMP Concerns

My plan is to rebalance down from the long-term to intermediate term funds periodically during the year. Also from the intermediate fund to a stable value fund. The funds will be rebalancing themselves. This should keep my duration matching on target, I hope. I am not wild about the .20 expense fee ...
by HappyJack
Sat Jul 18, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: TIPS/LMP Concerns
Replies: 41
Views: 1801

Re: TIPS/LMP Concerns

Thanks Angst. I will be drawing down out of the ETFs To fund my income so that could be an issue. I will have some funds on the Risk Portfolio side so I hope that can see me through a rough patch.
by HappyJack
Fri Jul 17, 2020 2:52 pm
Forum: Investing - Theory, News & General
Topic: TIPS/LMP Concerns
Replies: 41
Views: 1801

Re: TIPS/LMP Concerns

Thank you.
by HappyJack
Fri Jul 17, 2020 10:35 am
Forum: Investing - Theory, News & General
Topic: TIPS/LMP Concerns
Replies: 41
Views: 1801

TIPS/LMP Concerns

I have established a liability duration matching portfolio (LDI) and allocated TIPS funds (LTPZ and FIPDX) in duration matched amounts to give me the income stream to fund retirement (26 years) (Many thanks to bobk, vineviz, Nisiprius, CUlater, FIREchief, bigskyguy, and others who have educated me a...
by HappyJack
Thu Jul 16, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: LDMP/LDI Portfolio - Deflation or other concerns?
Replies: 4
Views: 226

Re: LDMP/LDI Portfolio - Deflation or other concerns?

Thanks. Yes. I want a dependable income amount each year produced by this “floor”. I’m not worried about growth or volatility - only safety. The duration matching I hope should take care of that. My risk portfolio is currently all VTI and VEU but I think I will add a bond component soon. I needed to...
by HappyJack
Thu Jul 16, 2020 10:06 am
Forum: Personal Finance (Not Investing)
Topic: LDMP/LDI Portfolio - Deflation or other concerns?
Replies: 4
Views: 226

Re: LDMP/LDI Portfolio - Deflation or other concerns?

Bigskyguy
Yes. Thanks.
I have followed your posts on the threads aforementioned. Great. That is re assuring news and what I thought was the case.
by HappyJack
Thu Jul 16, 2020 7:33 am
Forum: Personal Finance (Not Investing)
Topic: LDMP/LDI Portfolio - Deflation or other concerns?
Replies: 4
Views: 226

LDMP/LDI Portfolio - Deflation or other concerns?

I have established a liability duration matching portfolio (LDI) and allocated TIPS funds (LTPZ and FIPDX) in duration matched amounts to give me the income stream I need to age 92. Many thanks to bobk, vineviz, Nisiprius, CUlater and others who have educated me along the way along with the work of ...
by HappyJack
Sat Jul 11, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: House with high tension power lines in backyard
Replies: 71
Views: 5517

Re: House with high tension power lines in backyard

Main concerns:
1) health of high tension power lines
2) resale bc others are concerned with 1)
by HappyJack
Sat Jul 11, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: House with high tension power lines in backyard
Replies: 71
Views: 5517

House with high tension power lines in backyard

Looking at a house to buy. High tension power lines ( with the big towers) crosses just behind backyard. I have concerns. Any advice?
by HappyJack
Mon Jul 06, 2020 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Taxes paid with BOA card?
Replies: 1
Views: 305

Taxes paid with BOA card?

Does anyone know if paying your federal and state income taxes with a BOA card would count under the online shopping/purchases category? Thanks.
by HappyJack
Thu Jun 25, 2020 9:06 am
Forum: Personal Investments
Topic: Time value of money TVM Book
Replies: 5
Views: 435

Time value of money TVM Book

Can anyone recommend a good book on time value of money (TVM). for a beginner. Thank you.
by HappyJack
Wed Jun 24, 2020 9:47 pm
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 150
Views: 7776

Re: What famous investing quote reminds you of your investing style?

On investing

“If you had a 20 year career in major league baseball and you hit .300 each year you would probably never win the batting title. But you would certainly end up in the Hall of Fame.”