Search found 39 matches

by 50/50
Tue Nov 12, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5058

Re: (Sigh) "Wasting" year-old smoke detector batteries...

I check mine with the test button twice a year when the time changes. If they pass the test I leave them and only replace if they give me the low battery chirp.
by 50/50
Thu Aug 08, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 3325

Re: which stud finder?

Another C.H. Hansen user. Very satisfied with it. Fits easily in the pocket or tool pouch.
by 50/50
Tue Aug 06, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Books on gaining control of your mind/behavior
Replies: 24
Views: 2301

Re: Books on gaining control of your mind/behavior

The Holy Bible works for me.
by 50/50
Tue Jul 09, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Volunteer suggestions
Replies: 55
Views: 3309

Re: Volunteer suggestions

I am a disaster relief volunteer responding to floods, fires, tornadoes, hurricanes etc. In the past I've volunteered for the Red Cross, the Boy Scouts, our local help center and one of our town committees.
by 50/50
Sat May 25, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 16120

Re: just a general comment about "too conservative" investors here

Great post Valuethinker. I've been investing since 1977. Saw everything the markets threw at us since then. I have always been a 'conservative" investor and it has served me well. My roll model was the late Benjamin Graham. I have never swung for the fences but there were a few "homers" (and some di...
by 50/50
Fri May 03, 2019 3:53 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns: the Simplicity Manifesto
Replies: 13
Views: 2708

Re: Scott Burns: the Simplicity Manifesto

Scott Burns had much to do with my decision to move away from individual stocks and into index funds. He wrote a column on Aug. 7, 2001 entitled " Simple Diversification Works". I began reading his work along with the Vanguard Diehards (still have a printout of a post by Taylor Larimore entitled "Si...
by 50/50
Mon Apr 29, 2019 4:48 pm
Forum: Investing - Theory, News & General
Topic: Back testing assets: best results with long term treasury yet common advice is aggregated bonds or global bonds. Why?
Replies: 41
Views: 2336

Re: Back testing assets: best results with long term treasury yet common advice is aggregated bonds or global bonds. Why

What was may not be again. We are also diversification fans. Long term Treasuries provide the best diversification for equities of any bond fund. Long term Treasuries PROVIDED the best diversification from 1982 onwards. Past tense. And portfolio visualizer only goes back to 1972. It's really that s...
by 50/50
Fri Apr 19, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6081

Re: At what point would you hire someone vs. cut down a tree yourself?

Ladders and chain saws don't mix well together. Also, I think cutting a dead tree is more dangerous than cutting a live one. If they must go hire it done.
by 50/50
Fri Apr 12, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 121
Views: 12208

Re: Gardening 2019

:confused How do you keep squirrels, birds, and other animals from destroying your garden? I guess the obvious solution is to put the garden inside a cage. Are there any other options? I have a 3ft chicken wire fence. Above that I have two strands of monofilament fishing line about a foot apart to k...
by 50/50
Thu Apr 11, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 121
Views: 12208

Re: Gardening 2019

Picking radishes. Carrots are up and looking good. Beets are just breaking ground. Cabbage doing well. Spinach and lettuce did not germinate well at all. I'm using old seed stored in the refrigerator and probably too old now. Tomatoes up in their cups and under grow lights indoors and doing well. Sq...
by 50/50
Tue Apr 09, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Broadly Written Non-Competes
Replies: 12
Views: 1198

Re: Broadly Written Non-Competes

I had a non-compete clause. It was pretty broad and had a two year life after I left the company. I did not hire an attorney to review it but I was told by knowledgeable people that it was enforceable.
by 50/50
Mon Apr 08, 2019 8:04 am
Forum: Personal Investments
Topic: Bond fund, CD, or ?
Replies: 9
Views: 1524

Re: Bond fund, CD, or ?

mega317 wrote:
Mon Apr 08, 2019 1:00 am
50/50 wrote:
Sun Apr 07, 2019 12:33 pm
You're not locked into the CD at 2.5%. If rates increase close the CD, pay the early withdrawal penalty...
And this is just like a bond or bond fund declining in value.
True, but you are limited to "loosing" only 1.25% if your EWP is 6 months. A bond or bond fund doesn't have this floor.
by 50/50
Sun Apr 07, 2019 12:33 pm
Forum: Personal Investments
Topic: Bond fund, CD, or ?
Replies: 9
Views: 1524

Re: Bond fund, CD, or ?

If you need an exact dollar amount at a specific time, a bond fund might not get you there--the share price can drop. It sounds like this is not your situation. I think it's something of a mistake to say/think that CDs don't lose value. They aren't marked to market and you will get what you expect,...
by 50/50
Sat Apr 06, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4897
Views: 1268004

Re: What Movie Have You Recently Watched?

KSOC wrote:
Sat Apr 06, 2019 7:59 am
The Highwaymen - Netflix Kevin Costner, Woody Harrelson, Kathy Bates. The pursuit of Bonnie & Clyde. My kind of movie.
+1

A couple of over the hill Texas Rangers come out of retirement. Pretty well done I thought.
by 50/50
Fri Apr 05, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund? What are you doing with it?
Replies: 54
Views: 2761

Re: Federal tax refund? What are you doing with it?

We had an unexpected refund. :oops: Applied it to this years tax.
by 50/50
Thu Apr 04, 2019 12:19 pm
Forum: Investing - Theory, News & General
Topic: Why are yields form tax free Muni Bonds so high?
Replies: 17
Views: 2642

Re: Why are yields form tax free Muni Bonds so high?

You would have to have a federal marginal tax rate of 30% for the muni to equal Total Bond Market SEC yield of 2.97. In the example Makefile gave you would have to have a marginal tax rate of 44% for them to be equal.
by 50/50
Thu Apr 04, 2019 7:51 am
Forum: Investing - Theory, News & General
Topic: Direction on CD purchase
Replies: 7
Views: 1023

Re: Direction on CD purchase

I would not be too concerned about the deposit growth. They are FDIC insured and the other health indicators look good.
by 50/50
Thu Apr 04, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Annual Income Requests
Replies: 15
Views: 2344

Re: Annual Income Requests

I generally just ignore such questions. Usually nothing comes of it.
by 50/50
Thu Apr 04, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Do you have guaranteed replacement cost provision with your homeowners insurance?
Replies: 27
Views: 2225

Re: Do you have guaranteed replacement cost provision with your homeowners insurance?

I was reading a HOME BUYING FOR DUMMIES book (don't laugh) and it suggested that I have a "guaranteed replacement cost" provision with my homeowners insurance. Although I had dwelling replacement coverage, my agent said that I did not have the guaranteed replacement cost. With the guaranteed replac...
by 50/50
Tue Mar 26, 2019 9:50 am
Forum: Investing - Theory, News & General
Topic: Utah First Credit Union 3.5% 5 yr CD
Replies: 13
Views: 1448

Re: Utah First Credit Union 3.5% 5 yr CD

I opened a non-ira 5 year cd with utah first. After the cd is already opened they send you the disclosures. The ewp is 180 days but you can only do an early withdrawal if they consent to it. Also interest is credited quarterly, and accrued but not yet credited interest is forfeited in case of early...
by 50/50
Mon Mar 25, 2019 5:52 pm
Forum: Investing - Theory, News & General
Topic: Utah First Credit Union 3.5% 5 yr CD
Replies: 13
Views: 1448

Re: Utah First Credit Union 3.5% 5 yr CD

Hi Thinking about some long term IRA money to put into Utah First Credit Union. 3% for 3 yrs, 3.25% for 4 yrs or 3.50% for 5 years. CD's at Vanguard have been decreasing as well as Treasury bonds. I have IRA fixed income in short term CD's/treasuries already. What do you think? I have been trying t...
by 50/50
Mon Mar 25, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: Stepped, callable CDs
Replies: 8
Views: 725

Re: Stepped, callable CDs

I haven't bought any, but they could serve the function of hedging against a more rapid increase in yields than the market seems to be expecting. The 1-year yield is 5 basis points higher than the 1-year non-callable yield I'm seeing at Vanguard now, so if you would be happy with a 1-year CD at 2.4...
by 50/50
Mon Mar 25, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 9932

Re: I would like a boat. I also know nothing about boats

I am accustomed to being (or thinking that I am) reasonably educated on most purchases that I make; however, I find myself in a situation where I will be purchasing a boat for the family. We purchased a home on a nice lake several years ago and have slowly renovated the backyard including the dock ...
by 50/50
Mon Mar 25, 2019 1:01 pm
Forum: Investing - Theory, News & General
Topic: Stepped, callable CDs
Replies: 8
Views: 725

Re: Stepped, callable CDs

As a rule I don't buy them either. But, I do look at them occasionally and if I found one with an outstanding rate up to the first call date I would consider it. I don't pay much attention to the rates after the first call date. I consider that information to be marketing.
by 50/50
Sun Mar 24, 2019 4:14 pm
Forum: Personal Investments
Topic: Is there any reason to buy a short term bond index versus long term one?
Replies: 26
Views: 2607

Re: Is there any reason to buy a short term bond index versus long term one?

Certain factors can affect a bond's duration, including: Time to maturity. The longer the maturity, the higher the duration, and the greater the interest rate risk. A bond that matures faster – say, in one year – would repay its true cost faster than a bond that matures in 10 years. Duration is a m...
by 50/50
Sat Mar 23, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4897
Views: 1268004

Re: What Movie Have You Recently Watched?

Triple Frontier . An exciting heist adventure movie now available on Netflix. It stars Oscar Isaac and Ben Affleck. The director is J.C. Chandor ( Margin Call ). Recommended. https://www.seattletimes.com/entertainment/movies/triple-frontier-ben-affleck-leads-grim-gritty-tale-of-conflicted-ex-soldie...
by 50/50
Fri Mar 22, 2019 6:26 pm
Forum: Personal Investments
Topic: Get Longer Term CDs now?
Replies: 16
Views: 1871

Re: Get Longer Term CDs now?

Who knows. I have a 5 year CD ladder so it's never a question for me, it's 5 year all day every day. It does make it a little harder to stick with that term when shorter terms are the same rate or very close to it. But I grit my teeth and stick to the plan. Others like shorter terms which are fine t...
by 50/50
Fri Mar 22, 2019 12:34 pm
Forum: Investing - Theory, News & General
Topic: 10 Year/3 Month Treasuries Inversion
Replies: 100
Views: 9254

Re: 10 Year/3 Month Treasuries Inversion

What's my action plan? Same one as always. Keep my hands off my stocks and bonds and do the best I can with my CD ladder as the rungs mature.
by 50/50
Tue Mar 19, 2019 12:46 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 11398

Re: How to get over a $25K stock market loss?

Don't know your tax bracket but remember if you use the loss against taxable income the loss will be something less than $25k. Stop checking the price of what you sold. Doesn't help. If you're looking in the rear view mirror you're looking in the wrong direction. Go back to square one, take a deep b...
by 50/50
Tue Mar 19, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Better to Donate Time or Money To Charity?
Replies: 37
Views: 1665

Re: Better to Donate Time or Money To Charity?

We like to do both. It is very rewarding to be personally involved with time and money in our local charities and to give financially to missions in places where we might never have an opportunity to serve in person.
by 50/50
Mon Mar 18, 2019 8:47 am
Forum: Personal Investments
Topic: Which bond fund to use in taxable?
Replies: 23
Views: 2522

Re: Which bond fund to use in taxable?

It's been a while since I read Thau... and thought she said "duration". But I've been wrong before... so guess it's time to re-read her. Which book in particular are you talking about? Is it: https://www.amazon.com/Bond-Book-Third-Everything-Treasuries-ebook/dp/B0046LV2FG ? My AA is 50/50. Why? Bec...
by 50/50
Sun Mar 17, 2019 6:56 pm
Forum: Investing - Theory, News & General
Topic: Favorite investment quote
Replies: 73
Views: 4636

Re: Favorite investment quote

It is virtually impossible to make worthwhile predictions about the price movements of stocks, it is completely impossible to do so for bonds. -Benjamin Graham
by 50/50
Sun Mar 17, 2019 1:13 pm
Forum: Personal Investments
Topic: Which bond fund to use in taxable?
Replies: 23
Views: 2522

Re: Which bond fund to use in taxable?

I'm in the 22% fed tax bracket. --Tried CD. Insured, low yield, early withdrawal penalty, didn't like chasing teaser rates. --Tried treasuries. Their safe, low yield eventually bored me to tear. --Tried savings bonds. Tax deferred until redeemed, then state tax exempt. Low state tax benefit is of l...
by 50/50
Thu Mar 14, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1589
Views: 173309

Re: What Movie Have You Recently Watched?

[Posts merged into here, see below. --admin LadyGeek]

Deleted
by 50/50
Thu Mar 14, 2019 10:11 am
Forum: Personal Investments
Topic: Guidance: Bond Choices for Retiree Portfolio
Replies: 14
Views: 1622

Re: Guidance: Bond Choices for Retiree Portfolio

I use a combination of Vanguard TBM (VBTLX) and a 5 year CD ladder. Average maturity of the fund is about 8 years, average maturity of the ladder is 2.5 years so they compliment each other. I have looked at other funds to use with the ladder but keep coming back to TBM.
by 50/50
Thu Mar 14, 2019 9:37 am
Forum: Investing - Theory, News & General
Topic: Money Markets
Replies: 17
Views: 2299

Re: Money Markets

Barclays has an on line savings account @2.2%, no minimum to open, FDIC insured.
by 50/50
Wed Mar 13, 2019 3:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Fund Reports, SAI, & Prospectus
Replies: 20
Views: 1683

Re: Vanguard - Fund Reports, SAI, & Prospectus

I look at the prospectus and reports on line. A few years ago I ordered a paper copy of the Statement of Additional Information for the funds I have. They're about 60 pages long but each one covers a number of funds. I read each one at the time and still have them but I don't plan to re-order.
by 50/50
Wed Mar 13, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you pay quarterly taxes?
Replies: 36
Views: 4482

Re: Where do you pay quarterly taxes?

I also use EFTPS for federal. It's user friendly after set up and you can schedule all four payments at one time. Never had a problem. My state payment is electronic too, but I can not set up all four payments at once so a little more work for that one.