Search found 3174 matches

by hudson
Mon Sep 28, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Would you pay off a 1.5% school loan
Replies: 27
Views: 1900

Re: Would you pay off a 1.5% school loan

The details: We are in our mid 40s and have saved up around 25x expenses but still looking to work part time and still contributing. We are maxing out all retirement space (401k, HSA, backdoor Roth. ) 529 is well funded, we hope, but willing to cashflow extra college expenses if needed. I have abou...
by hudson
Mon Sep 28, 2020 10:40 am
Forum: Personal Investments
Topic: Municipal Bonds in Taxable as Alt to Cash, how to choose which fund?
Replies: 27
Views: 2455

Re: Municipal Bonds in Taxable as Alt to Cash, how to choose which fund?

FMBIX, fid muni bond index National intermediate ER 0.07 Thanks for this one, I noticed it when researching before but it looks like it was introduced only a year ago. The ER is nice, but it seems to have a much larger turnover rate and larger swings than FLTMX. Any reason besides the ER to go for ...
by hudson
Mon Sep 28, 2020 5:15 am
Forum: Personal Investments
Topic: Where to park 500K ?
Replies: 30
Views: 3906

Re: Where to park 500K ?

On: 6. Just stick to an AA and don't time. 7. What's the reason to overweight on tech? VTSAX is already weighted heavily towards tech, as opposed to global indexes. 8. If you want to hedge against inflation you can just buy TIPS/I-bonds or Vanguard funds. All you're doing there is investing in real...
by hudson
Sun Sep 27, 2020 4:53 am
Forum: Personal Investments
Topic: Where to park 500K ?
Replies: 30
Views: 3906

Re: Where to park 500K ?

On: 6. Just stick to an AA and don't time. 7. What's the reason to overweight on tech? VTSAX is already weighted heavily towards tech, as opposed to global indexes. 8. If you want to hedge against inflation you can just buy TIPS/I-bonds or Vanguard funds. All you're doing there is investing in real...
by hudson
Fri Sep 25, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Erasing everything off a computer? Any software?
Replies: 40
Views: 2569

Re: Erasing everything off a computer? Any software?

Our company is moving and next Tuesday I’m going into the office to grab my things. I’d like to backup my PC and erase everything. I’m going to use DriveImage XML and either back it up into OneDrive or an external hard drive. After, I’d like to erase everything from the PC and just leave Windows 7 ...
by hudson
Thu Sep 24, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit Hated Job And Take 80% Pay Cut?
Replies: 57
Views: 6547

Re: Should I Quit Hated Job And Take 80% Pay Cut?

Get another job before quitting.
If you change countries, I'm sure that you'll figure out what it will take to move covid-wise.
by hudson
Thu Sep 24, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: OLD papers [How do I dispose of old papers?]
Replies: 53
Views: 3954

Re: OLD papers [How do I dispose of old papers?]

If I had to get rid of 8 years of stuff, I'd first look for a local shredding event. Once I took it all to Office Max and they shredded a lot for around $50. After that I don't keep paper; I take a pic or scan it. Then I tear the document in fourths or eighths. Half goes into the garbage, half to th...
by hudson
Wed Sep 23, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 853
Views: 110261

Re: Best CD rates thread

Expressions used above defined: What does [b ]bird dog it[ /b] mean? People began using bird-dog as a verb meaning "to closely watch someone or something" or "to doggedly seek out someone or something" in the early 20th century. All Hands on Deck : all hands on deck 1. A call for all members of a sh...
by hudson
Wed Sep 23, 2020 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 853
Views: 110261

Re: Best CD rates thread

Thanks MikeG62, Kevin M, and EvelynTroy! Good stuff! A mistake that I've made in the past, is trying to make everything work online/electronically. Now when I find a good rate, I immediately start calling and asking questions because good rates go away in a few days. I want to know if I can join som...
by hudson
Mon Sep 21, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Hauling Heavy Load in Trunk of Car: Advice, please.
Replies: 21
Views: 1049

Re: Hauling Heavy Load in Trunk of Car: Advice, please.

I don't see a problem. I think that you are good to go.
by hudson
Mon Sep 21, 2020 6:27 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15024

Re: Is Costco worth the $120 membership?

been a member for years but only go about 3 times a year. bought my tv from walmart after shopping around. i found i could get many items cheaper and not so huge at walmart or when on sale at grocery stores. bought tires once, one ruined, knew i would not get in very quickly at all when i was busy,...
by hudson
Mon Sep 21, 2020 6:17 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15024

Re: Is Costco worth the $120 membership?

A great discussion! I usually read discussions like this and go re-join Costco; that's where I got my hearing aids. I'd buy them there again. I haven't been a member for 4-5 years since it's over an hour away, and I'd have to drive in big city traffic. My brother-in-law loves Costco, and won't stop ...
by hudson
Mon Sep 21, 2020 3:50 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 144
Views: 20141

Re: Your "at peace" moments.

Entering a 3 sided shelter or tent for the night after hiking in severe weather.
Then watching and listening to the storm.
by hudson
Sun Sep 20, 2020 12:57 pm
Forum: Personal Investments
Topic: Muni Bond Funds for Taxable Account
Replies: 20
Views: 1874

Re: Muni Bond Funds for Taxable Account

so is VTEB good to hold extra money instead of banks? Robert20, It's not as safe as a federally guaranteed bank or credit union. It's not as safe as a treasury fund. It may or may not be safer than an investment grade corporate fund. I vote that it's safer...but that's just my opinion. It depends h...
by hudson
Sun Sep 20, 2020 10:28 am
Forum: Personal Investments
Topic: Muni Bond Funds for Taxable Account
Replies: 20
Views: 1874

Re: Muni Bond Funds for Taxable Account

so is VTEB good to hold extra money instead of banks? Robert20, It's not as safe as a federally guaranteed bank or credit union. It's not as safe as a treasury fund. It may or may not be safer than an investment grade corporate fund. I vote that it's safer...but that's just my opinion. It depends h...
by hudson
Sun Sep 20, 2020 7:09 am
Forum: Personal Investments
Topic: Muni Bond Funds for Taxable Account
Replies: 20
Views: 1874

Re: Muni Bond Funds for Taxable Account

Jameswg, I agree that Vanguard Intermediate Muni, VWIUX beats VTEB and MUB if you ever want to tax loss harvest. Baird's intermediate muni has a higher expense ratio; I have no idea if it's daily accrual or not....but the holdings are higher quality than VWIUX....AAA/AA/prefunded. For now, I like VW...
by hudson
Sat Sep 19, 2020 7:31 am
Forum: Personal Investments
Topic: Brokered CDs from Vanguard.
Replies: 42
Views: 3956

Re: Brokered CDs from Vanguard.

Many thanks Kevin! More capital gains might take me over one of those dreaded cliffs. again... As is typically the case, there is no one right answer that applies to everyone universally. Individual circumstances always come into play as you rightly point out. I agree....one either has to do their ...
by hudson
Sat Sep 19, 2020 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Reason not to rent out your old house?
Replies: 58
Views: 4637

Re: Reason not to rent out your old house?

If you buy a new house and you can rent out your old house for more than your monthly mortgage payment (+taxes/insurance), is there a reason WHY you shouldn't do that? Don't you get to have your mortgage paid for, have a small income stream, and hold onto the property and capture rising home equity...
by hudson
Fri Sep 18, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put emergency fund money?
Replies: 20
Views: 1866

Re: Where to put emergency fund money?

Hi everyone. I'm wondering if people have ideas or suggestions on whether I should park my emergency fund someplace other than a high yield savings account. I currently max out my 401K, have both our Roth IRAs maxed for the year. I am married with 3 kids (all ages 7 and under). We are 35 years old....
by hudson
Fri Sep 18, 2020 8:47 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 414
Views: 73188

Re: Bonds - Throw it all on the table!!!

Is optimal always the best choice? The really tough question is what parameters are important to you around which you should optimize. Some worry about unexpected inflation and buy TIPS as insurance, some don't. Some worry about sequence of return risk in early retirement, some don't. Are you optim...
by hudson
Fri Sep 18, 2020 4:56 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 414
Views: 73188

Re: Bonds - Throw it all on the table!!!

1. Dumping the funds into Vanguard Intermediate TIPS and PIMCO's LTPZ.... 15+ Year US TIPS Index ETF. Vineviz recommended that for a 75 year old to match durations. From Vineviz, "With yields as low as they are, the higher expenses of LTPZ means sacrificing 10% to 15% of the TIPS expected return to...
by hudson
Fri Sep 18, 2020 4:50 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 414
Views: 73188

Re: Bonds - Throw it all on the table!!!

I probably should research mental decline and make allowances. That discussion would be an interesting stand alone discussion. I've seen an older family member that obviously lost some mental capabilities, but with investments and money management he was sharp until the end. In another case, the ol...
by hudson
Thu Sep 17, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12919

Re: Grocery store didn't tell me Shingrix was $160

Thanks OP for the useful discussion. I've learned more about how pharmacies work. I would love to know what you find out.
I don't have anything useful to add.
Thanks to all contributors....especially the pharmacist.
by hudson
Thu Sep 17, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 414
Views: 73188

Re: Bonds - Throw it all on the table!!!

BigJohn, What kind of TIPS did you get? Funds, ETFs, individual? Vanguard mutual funds. I understand the potential benefits from a ladder of individual TIPS but one on my retirement investment principles is simplicity to account for the inevitable mental decline we all experience. So I choose not t...
by hudson
Thu Sep 17, 2020 6:07 pm
Forum: Personal Investments
Topic: Brokered CDs from Vanguard.
Replies: 42
Views: 3956

Re: Brokered CDs from Vanguard.

Many thanks Kevin!
More capital gains might take me over one of those dreaded cliffs.
again...
by hudson
Thu Sep 17, 2020 5:51 pm
Forum: Personal Investments
Topic: Brokered CDs from Vanguard.
Replies: 42
Views: 3956

Re: Brokered CDs from Vanguard.

With those 3+% brokered CDs it's tempting to sell them.
For me, it's more tempting to hold em and take the monthly income for a few more years.
Capital gains give me heartburn.
The rule of thumb was if you buy brokered CDs, you should hold them until maturity.
by hudson
Thu Sep 17, 2020 5:46 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 414
Views: 73188

Re: Bonds - Throw it all on the table!!!

BigJohn,
What kind of TIPS did you get? Funds, ETFs, individual?
by hudson
Wed Sep 16, 2020 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: new car - 0% interest loan ?
Replies: 27
Views: 1682

Re: new car - 0% interest loan ?

I'm in the market for a new vehicle. Looking at spending about $28,000 for a Subaru Outback. Looks like a 0% loan is on offer. I have the cash to pay in full, but with a no-interest loan, I'm considering whether I should take the loan and from a cash-flow standpoint, leave the $28,000 in my brokera...
by hudson
Tue Sep 15, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: What is the best company for auto/property/renters/umbrella insurance?
Replies: 36
Views: 3049

Re: What is the best company for auto/property/renters/umbrella insurance?

How would one properly educate themselves on all of these factors if they were shopping for insurance, outside of going through an agent? I haven't found a way....if there's an answer it will likely pop up here. The experience of one.... I've been with State Farm, USAA, Nationwide, GEICO, and now a...
by hudson
Tue Sep 15, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: Federal Reserve scraps transfer count limits on savings accounts
Replies: 56
Views: 5638

Re: Federal Reserve scraps transfer count limits on savings accounts

A Penfed representative just told me that they still have the 6 transfer limit on savings account...no change.
by hudson
Sun Sep 13, 2020 4:23 pm
Forum: Personal Investments
Topic: Cash on hand for two year horizon - suggested placement
Replies: 6
Views: 652

Re: Cash on hand for two year horizon - suggested placement

For such a short time horizon, do you recommend I move this money into some sort of inflation protected security? Savings accounts and CD rates are extremely low based on my investigations, around 0.02%. Thank you for the suggestions! LyrehcLover, I would skip TIPS. You could lose money. I speculat...
by hudson
Sun Sep 13, 2020 5:11 am
Forum: Investing - Theory, News & General
Topic: Words of Wisdom William Bernstein_chat w/Ben Carlson
Replies: 82
Views: 12837

Re: Words of Wisdom William Bernstein_chat w/Ben Carlson

ilan1h, In 2008 I got out of stocks and have been 0/100 ever since. I like it here. So you never once had FOMO over the last 11 years of equity bull market returns? Has your investing life been entirely during this multi decade, about 40 years, bond bull market? I think, and I'm not at all alone, t...
by hudson
Sat Sep 12, 2020 6:32 pm
Forum: Investing - Theory, News & General
Topic: Words of Wisdom William Bernstein_chat w/Ben Carlson
Replies: 82
Views: 12837

Re: Words of Wisdom William Bernstein_chat w/Ben Carlson

ilan1h,
In 2008 I got out of stocks and have been 0/100 ever since.
I like it here.
by hudson
Sat Sep 12, 2020 6:26 pm
Forum: Investing - Theory, News & General
Topic: Munis vs. other "safe" investments?
Replies: 35
Views: 2561

Re: Munis vs. other "safe" investments?

Thanks Hudson. If I'm understanding Bernstein's main point: he is referring to monies needed for emergencies and living expenses. I agree that if this money is earmarked for those purposes I would play it safer. However, I already have CD's and cash to cover those basic expenses and therefore the m...
by hudson
Sat Sep 12, 2020 4:18 pm
Forum: Investing - Theory, News & General
Topic: Munis vs. other "safe" investments?
Replies: 35
Views: 2561

Re: Munis vs. other "safe" investments?

I am tempted to forego the state tax advantage and invest in the national interm muni fund instead. Or possibly to veer away from Munis since they already constitute 40% of my net assets. Any advice appreciated. ilan1h, I personally wouldn't go over 40% muni. Here's Bill Bernstein on safe investmen...
by hudson
Fri Sep 11, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13395

Re: Thoughts on Tennessee

Except for 4 years in Kansas and 1 year in Kentucky, I've lived my entire life in TN. A couple of things first, 1) Deliverance was set in North Georgia North Georgia, Western NC, and Eastern TN...same location...all with nice mountains. When Burt Reynolds broke his leg (Wikipedia says that he broke...
by hudson
Thu Sep 10, 2020 4:16 pm
Forum: Personal Investments
Topic: How Are CD Ladders Used in Retirement
Replies: 14
Views: 1895

Re: How Are CD Ladders Used in Retirement

Hi Bogleheads This is a probably dumb question, but here goes. When people refer to using a CD ladder in retirement, how does this work as part of a spending plan. I imagine there are differences between individuals , but what is most typical or recommended? Do they: 1. Upon maturity, spend the pro...
by hudson
Wed Sep 09, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Brother printer 'trips' my battery backups
Replies: 47
Views: 2525

Re: Brother printer 'trips' my battery backups

LiterallyIronic,
I'd unplug everything except the desktop and one monitor. Let the battery fully charge and try again. What happened?
I'd plug the TV and anything else in the non-battery/surge only side of the UPS.
How old is the UPS?
by hudson
Tue Sep 08, 2020 11:35 am
Forum: Personal Investments
Topic: Changing allocation, but too much capital gain
Replies: 14
Views: 833

Re: Changing allocation, but too much capital gain

My wife and I had an allocation of 75% equity in a taxable account with a full service broker. We recently became worried that this allocation was too aggressive (we are both semi-retired and are concerned about over-valuation, covid, the election, etc.) So we asked our broker to reduce the equity ...
by hudson
Mon Sep 07, 2020 3:52 pm
Forum: Personal Investments
Topic: Muni Bonds and Risk (VWIUX)
Replies: 29
Views: 2604

Re: Muni Bonds and Risk (VWIUX)

I actually just sold all my VWIUX last week, I was up about 6-7% and since I'm in the 22% tax bracket I really had no good reason to hold muni's. My employer bond offerings were just ok that's why I justified holding VWIUX, great fund for high earners. You can still come out ahead with VWIUX in the...
by hudson
Mon Sep 07, 2020 3:34 pm
Forum: Personal Investments
Topic: Muni Bonds and Risk (VWIUX)
Replies: 29
Views: 2604

Re: Muni Bonds and Risk (VWIUX)

I have invested heavily in Vanguard's Intermediate Tax-Exempt Fund, VWIUX, it's my primary bond fund (most of my bonds are in a taxable account). Thoughts about additional risks associated with this fund, in light of the coronavirus and massive strain this will put on federal and state coffers? I a...
by hudson
Sat Sep 05, 2020 8:15 am
Forum: Personal Consumer Issues
Topic: Buying guns not an option, what else
Replies: 56
Views: 5118

Re: Buying guns not an option, what else

Thinking about having some form of safety help at home in case of emergency. Not going to buy guns, looking for any other options.... Have been looking at mace, but looks like they are not reliable and have a shelf life. Any suggestions recommendations will be appreciated. annu, It probably doesn't...
by hudson
Thu Sep 03, 2020 11:56 am
Forum: Personal Investments
Topic: Brokered CDs from Vanguard.
Replies: 42
Views: 3956

Re: Brokered CDs from Vanguard.

Okay, thanks for replies. Here is three examples of my brokered cd portofolio 100,000 at 2.80% Bought 2/14/18 Maturity 2/14/25 Discover bank now at $110,000 70,000 at 2.75% Bought 6/26/19 Maturity 6/26/29 Discover Bank now at $82,200 100,000 at 2.95% bought 5/22/19 maturity 5/22/29 Goldman Sachs at...
by hudson
Wed Sep 02, 2020 4:03 pm
Forum: Personal Investments
Topic: Worried about preserving my wealth
Replies: 33
Views: 5157

Re: Worried about preserving my wealth

An amount invested in gold would have been wise, but its too high right now. speer, I don't like gold because it doesn't pay interest. There's also the problem of how to hold it, then how to cash it in. All of that gives me heartburn. I might get a bag of say 100 silver dimes and bury it in the bac...
by hudson
Wed Sep 02, 2020 6:58 am
Forum: Personal Investments
Topic: Worried about preserving my wealth
Replies: 33
Views: 5157

Re: Worried about preserving my wealth

So do you invest primarily in savings, CDs, Treasuries, quality bond funds? Even looking at TIPS, their yields are negative right now Speer, Yes, that's the answer to wealth preservation. I'm 0% stocks and have been since 2008. That passes the sleep test for me. MYGA's and annuities give me heartbu...
by hudson
Mon Aug 31, 2020 8:22 pm
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2279

Re: SEC 30 day yield vs Distribution yield

Thanks again KevinM!
Anything that works is good technique!
by hudson
Mon Aug 31, 2020 7:19 pm
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2279

Re: SEC 30 day yield vs Distribution yield

I think it's incumbent on anyone who doesn't believe that bond premiums being pulled toward par at maturity will eventually result in decreased NAV, unless yields continue to fall, to show us the bond math that can make that happen. Again, a bond fund is just a collection of bonds, so the bond math...
by hudson
Mon Aug 31, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: “Cash is king” sentiment
Replies: 37
Views: 4232

Re: “Cash is king” sentiment

I told a gentleman at work that I had two antique items that I wanted to sell, but I hadn't priced them yet. I wasn't sure where to get the items priced, so a year or more passed. Periodically, he asked me if I'd set a price. I hadn't. One day, he walked in and held up ten 100 dollar bills. I said, ...
by hudson
Mon Aug 31, 2020 4:00 pm
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2279

Re: SEC 30 day yield vs Distribution yield

Most of the above is pretty accurate stuff! Great discussion! I still think that a knowledgeable investor who knows what he's getting into can be served well at the present time by VWITX/VWIUX. Here's some history for VWIUX. On Oct. 15, 2018 Share price $13.87 Nov. 1, 2018 Dividend: .03329 On March ...
by hudson
Mon Aug 31, 2020 6:15 am
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2279

Re: SEC 30 day yield vs Distribution yield

I have an Ally CD maturing on 9/5. zaplunken It looks like SEC yield and distribution yield have been explored pretty well. I don't think anyone has brought up the part where part of VWITX/VWIUX's payout is from the principal. :) That usually comes up in this discussion. The simple answer to that i...