Bogleheads.org

shashi

There is no correlation with folks suggesting here such as tech index or reit. It is better in my opinion to have a small condo rather than paying huge rents. Consider slight commute from areas like San Carlos to Palo Alto. Any way all the best. Just remember like bogleheads there is a way to live w...

shashi

Same with holding treasury inflation protection and believing that it will take care of true inflation when we actually need to draw.

In other words, we should just have very very low expectations of any iprotection and keep working longer hopefully with decent health.

shashi

Why not buy a condo in less expensive area like Dublin, CA and commute or rent it out and use that for your rent?

shashi

Are TIPS still better hedge against real inflation? I am seeing most people just use rental property investment. I do have ibonds but not convinced how much tips or ibonds can protect with true inflation such as healthcare costs etc.

shashi

I have had all Samsung appliances (fridge, washer and dryer) since 7 years and have not had any issues whatsoever. I am extremely happy with them and buy them again.

shashi

If you have a few year old router, better to upgrade than struggle with extenders (based on my experience).

shashi

Just make sure there is no growth in the funds before converting to Roth. Otherwise, it becomes taxable for that amount. Its a pain to manage this. I would like to hear what type of investments others have chosen before backdooring to Roth.

shashi

I bought TSM on the day Dow went down 1000 points I think in Sep 2008. This is just to experiment what happens. I still keep that and it has gone more than double. I really don't care how much but was a good experience first-hand in a crash.

shashi

Thanks guys! very helpful info. I have maxed out 401k by the way.

shashi

One small clarification. In 2015 tax return, in addition to filing 8606 do we have to show conversion to Roth or re-characterization to Roth for 11k + 11k?

shashi

Just posting in case others are looking for answers to my original question from 2014. Here is the thread explaining backdoor Roth:

viewtopic.php?f=1&t=157414

shashi

Thank you so much for the detailed reply explaining TIPS factors and also sharing upcoming TIPS auction date.

I could understand ups and downs for longer term treasuries but almost 10% rise in 3 months was a bit of surprise.

shashi

Kathleen Ryan, Chapters 5 & 9 Co-ordinator used to host bayarea reunions. I hope she sees this thread.

shashi

I learnt a huge lesson by actually going through the experience this year. 529 plans, EE/I bonds and any taxable funds will put you in disadvantage as far as calculation of 'Family Expected Contribution -FEC' is considered. Two huge inputs to this are your income and taxable assets. You can't cut yo...

shashi

Thank you so much @DSInvestor! That was lightening fast reply and you covered all the points perfectly!

shashi

hi Bogleheads, I need some help in understanding TIPS. For the first time I bought some 30 year TIPS in secondary market on 10/23/14. Below are some details: Holding name U S TREASURY NOTE INFLATION INDEX NOTE CPN 1.37500 % MTD 2044-02-15 DTD 2014-02-15 CUISP 912810RF7 Quantity 10,000.0000 Price $11...

shashi

Hi everyone, Need some advice on my situation. Married filing jointly, spouse not working, i have 401k at work and maxed out there. This year (tax year 2014) I can't make Roth contribution due to income limit and i came to know I can make non-deductible Traditional IRA for both of us and then immedi...

shashi

Cars are diehards fav topic and I need to pitch in. Car1- Acura integra bought 3yr old, kept for 13 yrs Car2- Brand new Accord2003, still running at 185k miles. Had to change engine at 160k after it started consuming huge engine oil. Replaced with 2006 engine, runs perfect, had to spend $2k for engi...

shashi

Samsung front loader is the best - have been using for 4 years and no issues and quietest machine ever.

shashi

Thanks everybody for your pointers. Apparently the people who choose funds still feel obligated to have a portion of funds dedicated to actively managed category and the way they choose them is based on whether a fund has beaten the index in last 1,3,5 years. So, what can I say! It's sad and some pe...

shashi

Thanks RM. If you have other links that might help please let me know.

Taylor, Thank you! Wish you belated 90th Birthday! I hope to see you around for at least another decade and be inspired by you.

Shashi.

shashi

Bornloser, how do you backdoor Roth?

shashi

I see the cash back is 3% but on some conditions they give 5%. Which options are good if you use penfed only for gas card?

shashi

Thanks! Do you have any references to Bill Sharpe's study?

shashi

Hi guys, I am a diehard for more than a decade now. My company's 401k luckily has a few good VG options but there are horrendous high cost options from American including their target dated funds. I have an opportunity to present any evidence or studies to indicate high cost (and may be high perform...

shashi

Mix of TSM, I-Bonds, EE bonds is not a bad alternative for 529 either as it gives you some peace compared to 529's restrictions. You could do that and add a 529 in the mix as you never know how future turns out to be

There is no one road to Dublin.

shashi

If you have funds to build from Admiral or VG ETF, you can build one similar and save a bunch on cost or expense ratio.

shashi

I have a 2010 Odyssey EX-L. It is fine so far but a friend of mine had an older one and had transmission issue. He sold and got a Sienna. I am also starting to feel steering is a bit tight these days. So I am a bit concerned

shashi

Living in CA, debated between VG Nevada (which is their main national product - .25%) and NY (.17%). Decided to stick with Nevada in spite of slightly higher cost in favor of keeping all accounts in one view at VG and ease of opening and managing the accounts. Hoping they finally reduce the fees at ...

shashi

There are a couple of unanswered questions here. Is there a leak really? the owner should be able to (1) notice leak when parked or (2) see consumption of oil go up drastically. If neither of the above are noticed, then what is the symptom of leak? The owner can wait for some more time till somethin...

shashi

How is this different than holding individual bonds till maturity?

shashi

Basic question:- How about having a combination of TSM and I-Bonds instead of 529 plans? How much are you going to lose this way? I see it gives a whole lot flexibility in terms of future planning.

shashi

How about web-services exposing some of the functionality of your current application or mobile application for your current site?

shashi

.... although some would challenge the conventional wisdom of putting bonds in a tax sheltering account over stocks, but let's leave that be for the topic of this thread... The point here is that a statement is not always true for all situations. This is applicable to a situation where you have fun...

shashi

Yes, the one on Total Markets. Thanks a lot Taylor!

Great to see John organized his writing into a site. Kudos John!!! You should write a book even if you don't want to make money from it

Shashi.

shashi

Hi all,

There used to be a site John used to maintain (back in late 90s and early 00 period) and it was perfect for quick read on Total Market investing and Efficient Market Hypothesis. Does anyone know what happened to it?

Shashi.

shashi

I have owned 3 Hondas and only Hondas. In fact, I have 2003 Accord that I bought in 2002. 8 years later, it started consuming lots of oil. I had to change every 1000 miles. After trying with dealers and well known mechanics I went ahead and replaced engine. At 160k miles now it has 2006 engine that ...

shashi

I have deep respect for Jack Bogle but by advocating transfer of 50% assets to Corp Bond assets, Jack is giving a hint of "managed asset allocation" based on risks rather than keeping it simple theory Taylor recommends. If you are a true believer in "total" theory, you would be ...

shashi

I have deep respect for Jack Bogle but by advocating transfer of 50% assets to Corp Bond assets, Jack is giving a hint of "managed asset allocation" based on risks rather than keeping it simple theory Taylor recommends. If you are a true believer in "total" theory, you would be v...

shashi

I just found out that Fidelity AmEx card (the one with 2% rewards), charges 1% on foreign transactions. Does anyone know if there is any card with no foreign transaction fee?

shashi

One of my friends want to keep a loan on a house is to see if property value goes under water. If so, he would not want to put his valuable cash into sinking home value. That may not be the case here but thought I will bring it up.

shashi

...I understand that someone needs to be realistic about what they can get into and the amount of money that profession makes but the boglehead ideas on low cost being the road to ultimate financial success dont work in all aspects of life. I respectfully disagree. Boglehead ideas apply to all face...

shashi

Can you go directly with VG 529 plans without going through VG state plans? Isn't that more cheaper?

shashi

Do you see Vanguard becoming global and offer funds to investors around the world in their own countries? If so, when would this happen? 10, 20 years?

shashi

Rick Ferri wrote:You can also pay a college directly if possible, or wait and pay off college loans. These are not picked up on a FAFSA form.

What is not picked on a FAFSA? Is it 529? How about SavingsBonds, are they picked up on a FAFSA form?

shashi

A big loss to the indexing world.

shashi

You're right, I was just quoting the current YTM, not the coupon. Thanks for the analysis, #Cruncher. I just searched Bond Desk and didn't see any TIPS STRIPS, but I don't know if I did the search correctly. Shashi, want to try it again and post a screenshot? I found this on bond-desk. Not sure if ...

shashi

I don't think TIPS zeroes exist, although I would be interested in buying them if they do. There are two common schools of thought here for where to put the coupons from individual TIPS. One is to retain the full inflation protection by investing the coupons in a TIPS fund. Alternatively, grok87 ha...

shashi

How do you guys plan to invest the interest payments for 30 years? Just curious how you plan to handle it. I was looking for zero-coupon TIPS. Does anyone has experience with them?

shashi

I am already their life ins consumer and recently signed up for banking. I am very happy as their customer at the same time very disappointed that they are not like VG in terms of costs and customer service. But still I like them. PS: I thought of adding Banking info to wiki but it would not let me ...

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