Search found 989 matches

by Dude2
Sat Jun 06, 2020 5:21 am
Forum: Personal Investments
Topic: Bonds in a portfolio
Replies: 13
Views: 1336

Re: Bonds in a portfolio

Typically, the yield curve illustrates why this is not wise. Returns are higher the longer the duration. Therefore, keep assets you don't need for a long time in vehicles with a longer duration. Intermediate term is considered the sweet spot. That's the Boglehead plan. Stick to it. All that being sa...
by Dude2
Sat Jun 06, 2020 4:32 am
Forum: Personal Consumer Issues
Topic: Passport Renewal
Replies: 9
Views: 1255

Re: Passport Renewal

I'm an expat in the Middle East. Our embassy is closed here. Couple of folks need passports, but they just have to wait. (In normal times, you can pay for a speedy service and get this done in one day). Whole countries' governments are closed. We can't fly out. Sorry, I know that's no help, but it g...
by Dude2
Sat Jun 06, 2020 4:19 am
Forum: Investing - Theory, News & General
Topic: Roth Contributions as "Emergency Fund?"
Replies: 16
Views: 1074

Re: Roth Contributions as "Emergency Fund?"

Due to a relative losing their job and all of their debt falling onto my back, I had to remove all Roth contributions at one point. I knew I was in the right, but it didn't stop the IRS from sending me a letter. I had to prove the account was greater than 5 years old and show proof of contributions....
by Dude2
Sat May 30, 2020 9:25 am
Forum: Personal Investments
Topic: Investing while moving abroad?
Replies: 7
Views: 552

Re: Investing while moving abroad?

When I was in Thailand earlier this year I tried to access my Vanguard accounts. I was using a Chromebook that had accessed Vanguard right before leaving the United States. I didn't clear the history. At three different resorts I tried to access my account and was not able to log in. This is intere...
by Dude2
Sun May 10, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Various retirement locations in FLA?
Replies: 8
Views: 1078

Re: Various retirement locations in FLA?

One of the appeals of North Florida is that winter is such an amazing time there. The sun still shines bright with clear blue skies, but the temperature drops and makes you realize what time of year it is. On the other hand, from middle Florida down, some years you might as well forget there is such...
by Dude2
Sun May 10, 2020 8:18 am
Forum: Personal Investments
Topic: Why Make Portfolio Safer (More Bonds) as I age?
Replies: 35
Views: 3085

Re: Why Make Portfolio Safer (More Bonds) as I age?

High quality bonds can be relied upon to deliver exactly what their contract dictates. Interest rate risk can be completely eliminated if the bond fund is held to the duration specified by the fund. Folks can plan their withdrawals accordingly. True you are not going to get rich by investing in bond...
by Dude2
Sun May 10, 2020 7:45 am
Forum: Personal Investments
Topic: Help with Fixed Income portion of portfolio
Replies: 7
Views: 574

Re: Help with Fixed Income portion of portfolio

The Cash and Bond portion of the portfolio covers 8 yrs expenses I think they may have meant to say the Cash and CD portion. All I can suggest, at the risk of being laughed out of the room, is that you don't have any inflation protection component. Vanguard Target Retirement Funds, for example, wou...
by Dude2
Fri May 08, 2020 12:22 am
Forum: Investing - Theory, News & General
Topic: Called Vanguard - Account Statements
Replies: 26
Views: 1916

Re: Called Vanguard - Account Statements

What celia mentions is a very good example of a purpose for this, although it makes me a bit nervous to keep all of those hard records (or even a list of accounts) that somebody could potentially rifle through or steal. All I ever do is download my year end statements into Turbo Tax each year. I've ...
by Dude2
Fri May 08, 2020 12:04 am
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 3083

Re: IE, Chrome or Firefox, that is the question.

I like to use different browsers for different purposes. I set up a login with the browser which will allows me to sync all of my bookmarks and history for that browser. Then I use Firefox at work and also when I work from home. Chrome could be associated with everything non work related. Sure, you ...
by Dude2
Thu May 07, 2020 11:15 pm
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 315
Views: 17283

Re: "The economy is in free fall. So why isn't the stock market?"

The question is on everyone's mind. The defensive strategy should be to hang on and hold tight. We could still be in for a wild ride.
by Dude2
Sun May 03, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: Powdered Soy Milk
Replies: 39
Views: 2222

Re: Powdered Soy Milk

Soybean trypsin inhibitor is a 181 amino acid protein that inhibits the trypsin proteolytic enzyme produced by your pancreas. That is, it is a protein itself and nutritious. However, unless it is inactivated or denatured by something like heat, then in large continuous amounts it would make soybean...
by Dude2
Sun May 03, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: Powdered Soy Milk
Replies: 39
Views: 2222

Re: Powdered Soy Milk

Soybean trypsin inhibitor is a 181 amino acid protein that inhibits the trypsin proteolytic enzyme produced by your pancreas. That is, it is a protein itself and nutritious. However, unless it is inactivated or denatured by something like heat, then in large continuous amounts it would make soybean...
by Dude2
Thu Apr 30, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: File Versioning on C: in Windows 10
Replies: 12
Views: 802

Re: File Versioning on C: in Windows 10

No experience with this, but Googling reveals that there is a trick you can do to create a shared folder and use it as the backup drive (or use One Drive). https://www.ubackup.com/windows-10/previous-versions-4348.html In general, File History only allows you to backup files to removable drives or n...
by Dude2
Wed Apr 22, 2020 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9808

Re: Best Covid19 resistant job

Our VP got stuck back in the US due to travel restrictions. He sent some pictures of him making a coffin in his woodshop. Made me think of one of those Clint Eastwood westerns.

https://www.youtube.com/watch?v=-KrsO91mfBw
by Dude2
Wed Apr 22, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: The new Bull Market Official Thread
Replies: 11
Views: 1222

Re: The new Bull Market Official Thread

I have no plans to modify my behavior because someone decided to label something a particular way. Well put. If it is indeed the start of a new Bull market, are you going to change anything in regards to your investments? Volatility like this should cause people to reevaluate and determine if they ...
by Dude2
Sat Apr 18, 2020 12:37 am
Forum: Investing - Theory, News & General
Topic: U.S. Treasury Inflation Protected Securities (TIPS) ETF
Replies: 22
Views: 2043

Re: U.S. Treasury Inflation Protected Securities (TIPS) ETF

I'm sorry, but you aren't going to get much love on the forum because there is a TIPS thread almost daily nowadays. My advice is to use the search box and read the 100s of other posts that discuss all of these things in great detail, or you can Google it.
by Dude2
Thu Apr 16, 2020 11:28 pm
Forum: Investing - Theory, News & General
Topic: Short vs long TIPS inflation protection
Replies: 63
Views: 5775

Re: Short vs long TIPS inflation protection

I'm also curious about the posed question, but actually nowadays : I'm struggling to see how TIPS of any duration (sub-zero real yield) have a plausible chance of outperforming bank CDs (nominal ~1.7% APY). Given similar expected yields, sure I'd prefer to have some of my bonds be inflation-protect...
by Dude2
Thu Apr 16, 2020 9:14 am
Forum: Investing - Theory, News & General
Topic: Short vs long TIPS inflation protection
Replies: 63
Views: 5775

Re: Short vs long TIPS inflation protection

I see. I got the impression from reading other threads about TIPS that the NAV will change with expected inflation in such a way as to cancel out the adjustment (in the same way that the NAV of regular bonds compensates for interest rate changes). Another way to see it, if you put yourself into a r...
by Dude2
Wed Apr 15, 2020 9:44 pm
Forum: Investing - Theory, News & General
Topic: Short vs long TIPS inflation protection
Replies: 63
Views: 5775

Re: Short vs long TIPS inflation protection

Here's a nice paper to read... The long and short of TIPS . TIPS do protect against unexpected inflation. That part is easy to understand. What is more difficult is the concept that TIPS are bonds that are concerned with real rates. We have to wrap our heads around what that even means. Apparently r...
by Dude2
Wed Apr 15, 2020 12:42 am
Forum: Investing - Theory, News & General
Topic: Cons of i bonds?
Replies: 70
Views: 6224

Re: Cons of i bonds?

The only negatives in my mind revolve around TreasuryDirect website and the government bureaucratic mindset in general. Specifically there have been posts about some difficulties people encounter when the bond holder dies. He/she had better have been very clear about the existence of these assets do...
by Dude2
Tue Apr 14, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: Florida HOA complaining of Weeds in Lawn
Replies: 101
Views: 8780

Re: Florida HOA complaining of Weeds in Lawn

This is Florida. Lawn care is a full time, all year round job, and it can get quite complex. Particular invasive weeds or pests can get a foothold as soon as you turn your back. It isn't low maintenance. You need a guy to cut the grass, trim, and you need a sprinkler guy and a weed guy ( :happy ). I...
by Dude2
Sat Apr 11, 2020 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Holding EF in something other than cash?
Replies: 32
Views: 1795

Re: Holding EF in something other than cash?

One of the bizarre features is that the most commonly mentioned emergency is job loss, yet it is rare for people to discuss, or even know, if they are eligible for unemployment compensation and if so how much they will receive . Based solely on the numbers when I had had a good job and drew unemplo...
by Dude2
Sat Apr 11, 2020 7:03 am
Forum: Personal Investments
Topic: Opinion on Cash portion of portfolio
Replies: 11
Views: 1112

Re: Opinion on Cash portion of portfolio

If it helps, what I do is 1 year's expenses in a taxable money market (which is nowhere near my annual income). I just let this sit in my Vanguard sweep account (Federal Money Market). Then I also use a stable value fund in my 401k (as part of my bond allocation) to accomplish this trick. Wiki: Plac...
by Dude2
Sat Apr 11, 2020 12:38 am
Forum: Investing - Theory, News & General
Topic: What's the Bond Market's Expectation for Future Inflation?
Replies: 54
Views: 3000

Re: What's the Bond Market's Expectation for Future Inflation?

As a casual bystander, this looks a lot like the late 70's and early 80's with lots of dollars being spent on bad things (thank you Savings and Loans) who eventually had to be bailed out by printing more money. I am not saying the infusion of money is not needed right now, but I am worried about th...
by Dude2
Sat Apr 04, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 299
Views: 39618

Re: Don't pay full price for SiriusXM radio

^^^
Thanks fishmonger, good Karma to you.
by Dude2
Sat Apr 04, 2020 1:33 am
Forum: Investing - Theory, News & General
Topic: Do stocks really protect against inflation?
Replies: 20
Views: 1784

Re: Do stocks really protect against inflation?

The answer should take into account the market, the businesses themselves, and the issues of the day. Unlike bonds, there is no predefined agreement that says stocks have to do anything. That's why they're risky and yet hopefully "rewardy". Selling stock allows a business to raise capital without th...
by Dude2
Tue Mar 31, 2020 9:57 pm
Forum: Personal Investments
Topic: Why buy treasuries when CD rates are so much better?
Replies: 42
Views: 4347

Re: Why buy treasuries when CD rates are so much better?

I know there are reasons that CDs may not be ideal. But, in my experience over almost 50 years, problems keeping track of interest at several banks/CUs isn't one of them. I've probably never had them at more than 4 or 5 institutions at any given time, but I've found that a checklist of my current C...
by Dude2
Tue Mar 31, 2020 11:53 am
Forum: Personal Investments
Topic: Why buy treasuries when CD rates are so much better?
Replies: 42
Views: 4347

Re: Why buy treasuries when CD rates are so much better?

One aspect, if taxable, then tax issues: If you buy your CDs from various places, you better personally keep track of the interest. Some of these places are not user-friendly in terms of the 1099. You may have to add 2 or 3 statements together. Maybe those weren't all available when you did your tax...
by Dude2
Sat Mar 28, 2020 12:21 am
Forum: Personal Investments
Topic: Now the time to buy Inflation Protected Bond Fund?
Replies: 30
Views: 2761

Re: Now the time to buy Inflation Protected Bond Fund?

I've got 70% short term TIPS for my fixed income. I view them as a very safe, almost (but not quite) cash-like investment where I keep my safe money. However, they weren't unaffected by the downturn, and through it all, if you tune into it, all you hear about is talk of deflation and how you will no...
by Dude2
Fri Mar 27, 2020 11:29 am
Forum: Investing - Theory, News & General
Topic: Is the 2 Fund Portfolio the new "3 Fund portfolio"?
Replies: 59
Views: 4596

Re: Is the 2 Fund Portfolio the new "3 Fund portfolio"?

Are the two funds VT (Total World) and BNDX (Total World Bond)?
by Dude2
Fri Mar 27, 2020 11:16 am
Forum: Personal Investments
Topic: Diversifying my taxable bond holdings
Replies: 24
Views: 1132

Re: Diversifying my taxable bond holdings

You could trade your munis for CDs (at a good credit union). If you're willing to take the tax hit, why not go with a guaranteed and safe return that does not juke and jive when the troubles hit?
by Dude2
Fri Mar 27, 2020 1:55 am
Forum: Personal Investments
Topic: Vanguard Tax-Exempt Bond ETF VTEB - TLH or hold on?
Replies: 13
Views: 915

Re: Vanguard Tax-Exempt Bond ETF VTEB - TLH or hold on?

Thank you, Mr. Powell.

Yes, it could be a great time to Tax-loss harvest from the active version to the index fund or visa-versa.
by Dude2
Thu Mar 26, 2020 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Seek Mental Health Help, Negative Consequences and Adverse Actions in future Personal Finance matters?
Replies: 30
Views: 2061

Re: Seek Mental Health Help, Negative Consequences and Adverse Actions in future Personal Finance matters?

Interesting thread. One comment on the using a fake name approach. I don't see how you pick up a prescription at the pharmacy that was called in under your fake name. I work at a large defense contractor mega corp, and historically all of our employees have been under the guidance to never seek ment...
by Dude2
Sat Mar 14, 2020 4:09 am
Forum: Personal Investments
Topic: Correct me please - how wrong am I? IOW, market timing
Replies: 2
Views: 345

Re: Correct me please - how wrong am I? IOW, market timing

Alright, let me preface by saying that I am generally risk averse. (I've been at 50/50 since the 2008/2009 crash, and you're slightly older than me). That being said, I see this too as a strange market anomaly with a large "herd mentality" factor, i.e. behavioral economics, and I can completely envi...
by Dude2
Sat Mar 14, 2020 3:37 am
Forum: Investing - Theory, News & General
Topic: Response to dis-inflation?
Replies: 8
Views: 551

Re: Response to dis-inflation?

Here's what I think. Both types of funds, Inflation Protected and nominal, are priced via an efficient bond market to take into account inflation expectations. IP funds will show gains versus a similar nominal bond fund if unexpected positive inflation occurs. Likewise, they will show losses versus ...
by Dude2
Sat Mar 14, 2020 3:05 am
Forum: Investing - Theory, News & General
Topic: Is it time to GET OUT?
Replies: 125
Views: 10765

Re: Is it time to GET OUT?

We've got historical precedent to show us that things do come back, and if you can wait and do nothing then you should. My great grandfather was one of those that jumped out a window in 1929. I do not compare these times to those. I assume you can still eat. You probably still have a job. I agree wi...
by Dude2
Sat Mar 14, 2020 2:51 am
Forum: Personal Finance (Not Investing)
Topic: Scammed By Fake TurboTax Tech Support
Replies: 22
Views: 2032

Re: Smelling a Rat with TurboTax Tech Support

Not being funny, but I would isolate that computer immediately, i.e. quarantine it, do not allow it to have network access with others. If possible, don't even take files off of it. Treat it as diseased. Then I would fill up a thumb drive with the latest versions of malware programs and virus scan p...
by Dude2
Thu Mar 12, 2020 12:39 pm
Forum: Personal Investments
Topic: Trade bonds for equities?
Replies: 15
Views: 626

Re: Trade bonds for equities?

Just realize that everytime you rebalance on the way to the bottom , you are losing a little bit. It evaporates. There is a downside to it. It's in the math. On the other hand, what is the harm to refrain from rebalancing on the way down at all? If you do nothing and equities return to their prior v...
by Dude2
Thu Mar 12, 2020 11:38 am
Forum: Personal Investments
Topic: Trade bonds for equities?
Replies: 15
Views: 626

Re: Trade bonds for equities?

You can imagine that if it was a bull market and we rebalanced too often that we could stunt our growth. The bull wants our stock portion to rise, but we keep chopping it down by selling stock high and buying bonds. Had we let it keep rising and rebalanced at the end of the rise when things were mor...
by Dude2
Thu Mar 12, 2020 10:37 am
Forum: Personal Investments
Topic: Trade bonds for equities?
Replies: 15
Views: 626

Re: Trade bonds for equities?

The value of the assets is vibrating, and it would be pure luck to grab the top vibration of one to buy the low vibration of the other. There's blood in the streets. Let the panic settle down. Then you can make a judgement. Remember, rebalancing's purpose is to be at the risk level you want and hold...
by Dude2
Fri Mar 06, 2020 11:48 pm
Forum: Investing - Theory, News & General
Topic: Dr drew blast fake news on coronavirus
Replies: 13
Views: 2035

Re: Dr drew blast fake news on coronavirus

All Dr. Drew is saying is that the media should focus more on what health professionals are reporting and advising. For example, here are some headlines from America's finest news source. Judge the over-hype by the corresponding equal but opposite reaction in sarcasm. WHO Warns Outbreaks In Victoria...
by Dude2
Fri Mar 06, 2020 10:54 pm
Forum: Investing - Theory, News & General
Topic: Dr drew blast fake news on coronavirus
Replies: 13
Views: 2035

Re: Dr drew blast fake news on coronavirus

He does a good job there. I've seen plenty of other similar "get a grip" type posts on twitter and Instagram. It makes no sense to over-react and bring down the economy. Put your pants on one leg at a time, go to work, deal with life...what else can you do? If the cost of containment is more than th...
by Dude2
Fri Mar 06, 2020 10:22 pm
Forum: Personal Investments
Topic: Shifting bonds from taxable to Roth—is this a good idea?
Replies: 16
Views: 1149

Re: Shifting bonds from taxable to Roth—is this a good idea?

I don't think there is anything wrong with you guys' reasoning. Nobody can confirm it, though, because there are too many details left out. I can't just say stocks in taxable, bonds in Roth because for one thing there just isn't enough room in a Roth. There aren't any limits to what you can buy in t...
by Dude2
Fri Mar 06, 2020 2:54 am
Forum: Personal Investments
Topic: Shifting bonds from taxable to Roth—is this a good idea?
Replies: 16
Views: 1149

Re: Shifting bonds from taxable to Roth—is this a good idea?

Here is a post I found particularly interesting, discussing the merits of a mirrored asset allocation to support a one fund portfolio approach. https://www.bogleheads.org/forum/viewtopic.php?p=4703525#p4703525 The takeaway is that a mirrored AA is neutral. Any deviation from that makes particular as...
by Dude2
Thu Mar 05, 2020 8:25 am
Forum: Investing - Theory, News & General
Topic: Are debt levels a cause for concern?
Replies: 17
Views: 1273

Re: Are debt levels a cause for concern?

I don't know if it is a comfort, but I think the average person on the street has a very skewed idea of what debt really means in an economic sense. (I'm not saying I grasp it either). A simplistic view is that the US Govt or Bank of America has borrowed money, and they have an outstanding bill that...
by Dude2
Thu Mar 05, 2020 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Job Reviews and Goals
Replies: 12
Views: 1050

Re: Job Reviews and Goals

It's all a bunch of corporate nonsense, but I can't imagine it changing in our lifetime. Just try to hold your nose to ignore the stink of it, and check the box to get through it. Should you really take it seriously? No way. It's a waste of brain power. Almost nobody can predict what is really going...
by Dude2
Wed Mar 04, 2020 2:07 am
Forum: Personal Investments
Topic: 3-fund portfolio vs Lifestratey Growth Fund
Replies: 22
Views: 2536

Re: 3-fund portfolio vs Lifestratey Growth Fund

It's funny because I had sold myself on the lifestrategy line of funds, but this thread has talked me out of it due to the tax implications. This thread has also enlightened me on the issues with bonds in taxable accounts. I don't think that anybody is trying to talk you out of anything based on ta...
by Dude2
Sat Feb 29, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever put down an extremely large down payment on a house?
Replies: 13
Views: 1391

Re: Has anyone ever put down an extremely large down payment on a house?

If you're in the "don't want a mortgage/pay it off ASAP" camp, then I can see the argument for just not taking it out at all. Yes, recently I put $100,000 down on an approx $300,000 house. Then over the course of a little over a year I paid it off. During that time the loan was sold twice, and it wa...
by Dude2
Sat Feb 29, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Selling house- how to make it look appealing
Replies: 36
Views: 2669

Re: Selling house- how to make it look appealing

Since nobody has specifically clearly said it, get the house repainted. Repaint the walls, repaint the ceilings, repaint the outside if appropriate. This is the #1 recommendation. White walls. Do it. You will not regret the investment.
by Dude2
Sat Feb 29, 2020 8:21 am
Forum: Investing - Theory, News & General
Topic: Why so much buying/rebalancing going on?
Replies: 100
Views: 6236

Re: Why so much buying/rebalancing going on?

50/50 is now 46.2/53.8 = off 3.8% So why all the buying/rebalancing? it just feels good to buy stocks on a dip This was my rebalance. And yes, it just felt good to rebalance on the dip. I am also 50/50, but, having just rebalanced in November (on my birthday) in accordance with my IPS to rebalance ...