Search found 62 matches

by 50/50
Wed Nov 04, 2020 8:31 am
Forum: Investing - Theory, News & General
Topic: what just happened to VBTLX (Vanguard Total Bond Market)
Replies: 15
Views: 5208

Re: what just happened to VBTLX (Vanguard Total Bond Market)

The medium credit quality may not be a mistake. Morningstar estimates credit quality by averaging the default rate over all bonds by their grade, and converting that back to a grade, rather than averaging the grades themselves. As a result, the default rate on the 20% of BBB bonds in the fund is en...
by 50/50
Tue Sep 29, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: New Roof leaks - roofing company unresponsive
Replies: 9
Views: 1350

Re: New Roof leaks - roofing company unresponsive

If the company is a member of the Better Business Bureau then they should file a complaint with the BBB.
This has worked for me in the past.
by 50/50
Sun Sep 27, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: What Is Your Preferred Short Term Bond Fund For A Retiree's IRA in Distribution Phase?
Replies: 38
Views: 3279

Re: What Is Your Preferred Short Term Bond Fund For A Retiree's IRA in Distribution Phase?

A somewhat puzzling fact about Short Term Federal, VSGDX, is that M* gives its holdings, 32% government and 58% Securitized, a 93% AAA credit rating. But then it turns around and gives the fund as a whole a singe "A" rating. Why is that? Vanguard gives it a Risk Potential of 1- the safest...
by 50/50
Mon Aug 24, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Stage 4 Cancer and Young Family
Replies: 105
Views: 14844

Re: Stage 4 Cancer and Young Family

OP: Stage 4 cancer survivor here. You have received some sound advice and I can not add much to it on the financial side. But I would like to give you a few of my thoughts: 1. Get a second opinion. 2. Prayer can change things. 3. Don't ever give up. 4. Make sure you know where you will spend eternit...
by 50/50
Mon Aug 24, 2020 8:28 am
Forum: Personal Investments
Topic: CDs coming due. Where to reinvest proceeds?
Replies: 62
Views: 6187

Re: CDs coming due. Where to reinvest proceeds?

Anyone here have experience with Premier Notes? I have thought about Duke Energy, being in business friendly Florida and for all the South they won't ever let business assume any risks when they have a captive customer base to assume the business risk, like for instance there is talk of billing pay...
by 50/50
Wed Apr 15, 2020 8:24 am
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 169
Views: 22511

Re: Still using total bond market?

Yes, still using Total Bond + CD ladder. No changes planned.
by 50/50
Thu Apr 02, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: VBTLX (Total Bond Market) vs. VBILX (Intermediate Bond Index)
Replies: 28
Views: 2850

Re: VBTLX (Total Bond Market) vs. VBILX (Intermediate Bond Index)

Thank you for the feedback. I was leaning for going 50:50 between those two funds and I will do that. How safe are "securitized assets" that VBTLX owns? I believe you are referring to the mortgage-backed securities and if so I do not particularly worry about safety with those. The GNMA pr...
by 50/50
Tue Mar 31, 2020 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Undoing your already-taken RMD for 2020
Replies: 120
Views: 8529

Re: Undoing your already-taken RMD for 2020

:( Alan, yes Vanguard made me aware of the 60 day and once per 365 day rollover rule. It was part of the script. Some people will get tripped up, but probably the number of people putting RMDs back will be relatively small. Dale While it may not be a valid sample, many folks I've talked to take all,...
by 50/50
Sun Mar 29, 2020 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: How long before online savings get close to 0%?
Replies: 18
Views: 2565

Re: How long before online savings get close to 0%?

am wrote: Sun Mar 29, 2020 9:58 am Do you guys remember what cds were earning back in 08 for say 1-5 yr durations?
On June 30,2008 I opened a 48 mo bank CD with a yield of 5.02%
by 50/50
Fri Mar 27, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: Do any of you not rebalance?
Replies: 57
Views: 3141

Re: Do any of you not rebalance?

I don't rebalance. All interest, dividends and any new money goes into the fixed income side to offset stock gains. That has kept my ratio in good balance for many years. Once in a while it will get a little off target but usually works itself out in a short period of time.
by 50/50
Thu Mar 19, 2020 7:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Closing? [Malvern office due to PA Governor shut down order]
Replies: 19
Views: 1978

Re: Vanguard Closing? [Malvern office due to PA Governor shut down order]

Tim Buckley has a video on the Vanguard web site discussing how they are preparing for the unexpected. Employees are working from home and they can do trades from home if necessary. Also, Vanguard has offices around the globe to handle transactions.
by 50/50
Sun Mar 15, 2020 8:34 am
Forum: Personal Investments
Topic: Move from bonds to Money Market,CDs, savings acct, etc.?[UPDATE]
Replies: 98
Views: 9005

Re: Move from bonds to Money Market,CDs, savings acct, etc.?

There is no particular reason to assume interest rates will stay where they are. They could move in either direction. Absent a special ability to see into the bond market's future, current interest rates are all we know. Focusing solely on current rates is only appropriate if you're matching your a...
by 50/50
Sun Feb 09, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1498
Views: 176265

Re: What frugal thing did you do today?

I keep tax records going back 7 years. (Nothing happened that would require me to keep them longer.) Each year gets a different large envelope to hold the documents, so I have 7 envelopes. I just started 2019 taxes, so I'm recycling the envelope from 1998 - 21 years old. Those envelopes should hold...
by 50/50
Thu Feb 06, 2020 4:10 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21947

Re: Total Stock Market Index - Section 199A dividends this year

Can you post a screenscrape of how turbotax filled out Form 8995? Use fictitious numbers if you prefer. [/quote] Here are step by step directions. On form 8995 Line 6, place Section 199a dividends from 1099-Div box 5 (in attached example, I had $5,000 in Section 199a dividends in Box 5) Line 7, car...
by 50/50
Wed Feb 05, 2020 11:25 am
Forum: Investing - Theory, News & General
Topic: What bonds are you buying?
Replies: 71
Views: 4698

Re: What bonds are you buying?

I have been able to pick up some 3% APY 3 year CDs. I feel much more comfortable with those than bonds or bond funds right now. Hopefully I'll break even or perhaps make a few basis points positive return after taxes and inflation.
by 50/50
Sat Feb 01, 2020 9:49 am
Forum: Investing - Theory, News & General
Topic: Do You Do Your Taxes by Hand? Reporter doing story
Replies: 119
Views: 8670

Re: Do You Do Your Taxes by Hand? Reporter doing story

I do my taxes by hand and it is a good learning experience. If you do the Qualified Dividends and Capital Gains Worksheet by hand and UNDERSTAND every line you get a real tax education and it could be a game changer for you. Of course after you do the taxes by hand you can still use your tax softwar...
by 50/50
Sun Jan 26, 2020 5:09 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4754

Re: Happy Birthday Taylor! 96 years young!

Taylor, Happy Birthday!!

Thanks for your contribution over the years. I've been reading and printing your posts since the Diehard days. As a matter of fact I have a copy of your "Simplicity " post from January 27, 2004 on my desk now.

Regards,
by 50/50
Sun Jan 05, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111571

Re: Best CD rates thread

VictoriaF wrote: Sun Jan 05, 2020 11:40 am Please confirm that if I have both an IRA and a regular account at the same credit union, each account is separately NCUA insured up to $250,000.

Victoria

Victoria,

You can get this information from the National Credit Union Administration www.mycreditunion.gov/estimator
by 50/50
Fri Jan 03, 2020 2:01 pm
Forum: Personal Investments
Topic: Do I need three bond funds?
Replies: 12
Views: 879

Re: Do I need three bond funds?

Vanguard says: Total Bond Market Index Risk Potential 2 I.T Investment Grade Risk Potential 2 S.T Investment Grade Risk Potential 1 So, it looks like to me the 3 funds would be slightly and only very slightly less risk than the TBM by itself. I don't think you would see much if any difference either...
by 50/50
Sun Dec 29, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: Will RMD lower your wealth
Replies: 37
Views: 4600

Re: Will RMD lower your wealth

No, but the tax incurred does.
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: 5664

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: 3681

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: 2486

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: 3572

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: 17005

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&quo...
by 50/50
Fri May 03, 2019 3:53 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns: the Simplicity Manifesto
Replies: 13
Views: 2819

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 en...
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: 2459

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: 6874

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: 13273

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: 13273

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: 1235

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: 1575

Re: Bond fund, CD, or ?

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: 1575

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: 6013
Views: 1402755

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: 2851

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: 2744

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: 1060

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: 2397

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: 2444

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 guarant...
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: 1506

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: 1506

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: 764

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: 10671

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: 764

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: 2799

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: 6013
Views: 1402755

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: 1909

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...