Search found 19 matches

by space needle
Wed Sep 16, 2020 12:47 am
Forum: Personal Finance (Not Investing)
Topic: new car - 0% interest loan ?
Replies: 27
Views: 1725

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 brokerag...
by space needle
Mon Jun 22, 2020 10:29 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 14123

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

Although I have learned some things here, and enjoy reading about many different financial situations, there is a whiff of conformity that is passed off as the best, most rational, time-tested solution. Any one questioning The One True Path can often find themselves ostracized as a heretic. Often on...
by space needle
Sun Jun 21, 2020 1:21 am
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 123
Views: 9732

Re: Vanguard vs. Fidelity

I have been a Vanguard customer for 4 years, when I transferred my 401K over when I retired. I have a Roth, a Traditional, and a Taxable account, and do little to no trading other than re-balancing. Service has been fine, but as others have noted, the website is outdated, and does not have the tools...
by space needle
Sat Jun 20, 2020 1:00 pm
Forum: Personal Investments
Topic: DSL / Double line
Replies: 4
Views: 299

Re: DSL / Double line

Thank you - one question: what do you mean when you say the junk bond market is not very efficient?
by space needle
Sat Jun 20, 2020 12:49 pm
Forum: Personal Investments
Topic: Trad IRA tax calculator
Replies: 15
Views: 643

Re: Trad IRA tax calculator

Thanks very much !
by space needle
Sat Jun 20, 2020 12:22 pm
Forum: Personal Investments
Topic: DSL / Double line
Replies: 4
Views: 299

DSL / Double line

A friend uses DSL, a bond fund in the Doubleline family to generate monthly income. I looked it up and it is a highly leveraged (27%) “below investment grade” bond fund (junk bonds) with a management fee of 1% and an expense ratio of of 3%, for a total of 4% if I’m understanding this correctly. This...
by space needle
Sat Jun 20, 2020 11:55 am
Forum: Personal Investments
Topic: Trad IRA tax calculator
Replies: 15
Views: 643

Re: Trad IRA tax calculator

More detail: Married filing jointly, currently in retirement. Age: 64: DW:66. Trad: $1.8 mm. SS not taken yet. Do not need IRA for expenses so looking to convert to Roth incrementally between now and age 72. But want to see how different withdraws will impact tax liability. Currently in 22% bracket ...
by space needle
Sat Jun 20, 2020 11:19 am
Forum: Personal Investments
Topic: Trad IRA tax calculator
Replies: 15
Views: 643

Re: Trad IRA tax calculator

I want to see the actual tax liability for various withdrawal amounts, ie, what would I owe if I withdraw $50,000 , $100,000, etc. I realize it’s treated as ordinary income but wanted a quick way to determine what my taxes would be. I’m sitting on a sizable traditional, am 64, and do not want to wai...
by space needle
Sat Jun 20, 2020 10:04 am
Forum: Personal Investments
Topic: Trad IRA tax calculator
Replies: 15
Views: 643

Trad IRA tax calculator

Looking for an on-line calculator that will show my tax liability for various withdrawals.

Are the commercial calculators accurate, or does the IRS have one that is user friendly?

Thank you for your recommendations
by space needle
Thu Jun 18, 2020 10:34 pm
Forum: Investing - Theory, News & General
Topic: "Is this time different?"
Replies: 77
Views: 5743

Re: "Is this time different?"

Whether Grantham is a genius or a charlatan (or a little of both), somehow his personal fortune from whatever he does with other people’s money is estimated to be $1 BB. I read he plans to give away 98% of it, which is laudable. But his clients have, over time, apparently thought whatever he did wit...
by space needle
Thu Jun 18, 2020 2:37 pm
Forum: Investing - Theory, News & General
Topic: "Is this time different?"
Replies: 77
Views: 5743

Re: "Is this time different?"

One of the basic tenets of Bogleheads is to "stay the course", to establish an IPS, determine an AA, and "tune out the noise" which would otherwise distract from "staying the course". Those straying from this principle are often derided as "market timers", or "reacting to noise", instead of stickin...
by space needle
Thu Jun 18, 2020 2:36 pm
Forum: Investing - Theory, News & General
Topic: "Is this time different?"
Replies: 77
Views: 5743

Re: "Is this time different?"

1) "Is this time different?" I don't know. 2) "Are you going to do anything different?" No. 3) "Jeremy Grantham says..." a) Well, he's usually pessimistic. One article identifies him as "one of Wall Street's most notable and outspoken bears." What would be "different" would be for him to be optimis...
by space needle
Thu Jun 18, 2020 12:16 pm
Forum: Investing - Theory, News & General
Topic: "Is this time different?"
Replies: 77
Views: 5743

"Is this time different?"

One of the basic tenets of Bogleheads is to "stay the course", to establish an IPS, determine an AA, and "tune out the noise" which would otherwise distract from "staying the course". Those straying from this principle are often derided as "market timers", or "reacting to noise", instead of sticking...
by space needle
Tue Jun 09, 2020 8:32 pm
Forum: Personal Investments
Topic: when are holdings updated ?
Replies: 4
Views: 364

Re: when are holdings updated ?

Thank you ! That "edit" function on the outside investment screen worked to update all holdings!
by space needle
Tue Jun 09, 2020 11:37 am
Forum: Personal Investments
Topic: when are holdings updated ?
Replies: 4
Views: 364

when are holdings updated ?

I checked my Vanguard account at 10:00 PM Monday June 8, and all the values for all my holdings were identical to what they were during the weekend. When are Vanguard holdings updated ? Yesterday, the website stated that "values were as of June 8", which is the same thing it says today, June 9. I wa...
by space needle
Tue May 05, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 70
Views: 2580

can't log on [to Vanguard website]

can't get log on using either chrome or edge, today 6:00 PM PST Wed May 5. Cookied are enabled, using latest version of both browsers. Anyone else have a problem?
by space needle
Mon Apr 20, 2020 11:07 pm
Forum: Investing - Theory, News & General
Topic: Are you comfortable with your emergency fund arrangements?
Replies: 44
Views: 3614

Re: Are you comfortable with your emergency fund arrangements?

We have 20X yearly expenses in federally insured on-line savings and CD's. Neither my DW nor I have started drawing SS; that would be an extra cushion when we choose to begin. I am fortunate to have a corporate pension that pays 90% of our monthly needs. At 64 and 66, we have not started drawing dow...
by space needle
Mon Mar 30, 2020 2:36 pm
Forum: Investing - Theory, News & General
Topic: Is Kostohryz right?
Replies: 30
Views: 2355

Is Kostohryz right?

Came across this article on Seeking Alpha. Putting aside the fact that Kostohyrz is trying to sell his subscription service, I found myself largely agreeing with his assessment of where we are today, and where the US economy and financial markets are going. If you take the time to read this article,...
by space needle
Fri Mar 13, 2020 6:49 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30121

Re: How much you lost/gain since Feb 20,2020 ?

as of today, I am down $150,000 in my traditional IRA from my retirement in 2016. I do a monthly review of this account, and as of early Feb, I was up about $412,000 since retirement. My original AA in this account was 60/40 stocks/bonds, but it had grown to 67/33 over time, and I was planning to re...