Search found 422 matches

by Prudence
Tue Jan 15, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Form 1099 for 2018
Replies: 7
Views: 611

Vanguard Brokerage Form 1099 for 2018

Vanguard said in an email that the form was ready. I tried to pull this info from H&R Block today but Block says that can't happen until January 31 (I can input manually now they say). Struck me as odd.
by Prudence
Mon Jan 14, 2019 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio
Replies: 14
Views: 1347

Re: Retirement portfolio

jtelwood:
Do have either tIRAs or 401Ks now? If so, would you rather move your portfolio to one or both of these funds, to gain simplicity, rather than separating the bond and equity pieces where appropriate, for tax efficiency?
by Prudence
Mon Jan 14, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: golf clubs
Replies: 17
Views: 1332

Re: golf clubs

Last year I replaced all my clubs except the wedges and putters with TaylorMade (M4). Very happy with the clubs, customer service and advice. Also, they had a military discount for veterans (15%) and a very convenient trade in program that reduced the cost. You can probably get a higher price for ol...
by Prudence
Tue Jan 08, 2019 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Best brokerage for TIPS?
Replies: 7
Views: 516

Re: Best brokerage for TIPS?

I have a traditional IRA account at Vanguard (includes a MM). Does this mean that I can purchase individual TIPS at auction using this account? But, I cannot use my Treasury Direct account to purchase TIPS for my traditional IRA, right?
by Prudence
Mon Jan 07, 2019 6:42 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal Credit Union 40 Month IRA CD 3.75%
Replies: 8
Views: 1181

Re: Navy Federal Credit Union 40 Month IRA CD 3.75%

Hi all, Anyone have thoughts on the Navy Federal IRA CD 40 month for 3.75% up to 150k? We have maturing money from PenFed. We are members. Can't find anything comparable for brokered CD's or treasuries. Thanks in advance Rate is great but I probably won't bother due to $150K limit. Thanks for menti...
by Prudence
Mon Jan 07, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: Why Total Bond Market over CDs?
Replies: 22
Views: 2545

Re: Why Total Bond Market over CDs?

I have been juggling multiple CDs for several years now and I am tired of it and the constraints on liquidity. Also, interest rates are on the rise. So, I am thinking about investing cash I might need within the next two years in my online savings account and a short term Treasury fund and the remai...
by Prudence
Mon Jan 07, 2019 8:28 am
Forum: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1581

Re: TIPS Question

Kevin, what is the logic driving this? Suppose we are continuing along with about 2.2% inflation per CPI and SEC yield on short term Treasury bond fund of 2.6% and then unexpectedly the inflation trend jumps to 3% annual or greater (due to some heretofore unknown like spike in price of oil, or known...
by Prudence
Sun Jan 06, 2019 11:00 am
Forum: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1581

Re: TIPS Question

dbr, regarding ibonds, I see that I can buy up to $10,000 electronic per year plus up to $5,000 paper (total $15,000 limit per year). The estimated tax payment for Q4 is due January 15th. So, I can make another payment now to Treasury in order to ensure my refund for the 2018 tax year is at least $5...
by Prudence
Sun Jan 06, 2019 9:28 am
Forum: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1581

Re: TIPS Question

In this specific transaction, is the execution better with Schwab than Vanguard? You read my mind. I'd like to know that also. And another question: Would an investor invest in a TIPS fund rather than a bond fund to minimize the swings in value, and accept lower earnings in exchange? No because a T...
by Prudence
Sat Jan 05, 2019 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1581

Re: TIPS Question

<snip> Suppose I buy 10 year TIPS from Treasury Direct this month and plan to hold them to maturity in 2029. Let's assume that there is very high inflation in multiple years before 2029 . So, I will be using non TIPS sources (probably cash and fixed accounts) to cover residual expense outlays befor...
by Prudence
Sat Jan 05, 2019 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1581

Re: TIPS Question

If you buy one TIPS, you will only have inflation protection for that ONE bond, not any of your other fixed income. You are correct that a TIPS mutual fund fluctuates in value. You may have more or less than your initial investment when you sell the TIPS fud. I have a large TIPS ladder. Bought most...
by Prudence
Sat Jan 05, 2019 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1581

Re: TIPS Question

Unfortunately, a TIPS fund can't necessarily protect the principal.... Please excuse my ignorance but is VIPSX (Vanguard Inflation-Protected Securities Fund) a TIPS fund? And would the principal not be protected if I invested in it? I looked but haven't been able to find the answer myself. Thanks I...
by Prudence
Sat Jan 05, 2019 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1581

Re: TIPS Question

Let's say I want to buy some TIPS (not a mutual fund) to protect our portfolio against high unexpected inflation but I am not interested in building and maintaining a TIPS ladder. Suppose I buy 10 year TIPS from Treasury Direct this month and plan to hold them to maturity in 2029. Let's assume that...
by Prudence
Sat Jan 05, 2019 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1581

Re: TIPS Question

Unfortunately, a TIPS fund can't necessarily protect the principal, so, I am thinking about just buying a ten year TIPS and holding to maturity as an insurance policy against rampant inflation.
by Prudence
Sat Jan 05, 2019 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1581

Re: TIPS Question

Let's say I want to buy some TIPS (not a mutual fund) to protect our portfolio against high unexpected inflation but I am not interested in building and maintaining a TIPS ladder. Suppose I buy 10 year TIPS from Treasury Direct this month and plan to hold them to maturity in 2029. Let's assume that...
by Prudence
Sat Jan 05, 2019 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1581

TIPS Question

Let's say I want to buy some TIPS (not a mutual fund) to protect our portfolio against high unexpected inflation but I am not interested in building and maintaining a TIPS ladder. Suppose I buy 10 year TIPS from Treasury Direct this month and plan to hold them to maturity in 2029. Let's assume that ...
by Prudence
Thu Jan 03, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2309

Re: best cheap printer

Very happy with my Brother black and white laser printer.
by Prudence
Sat Dec 29, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Reporting a Car Accident to the Insurance Company
Replies: 6
Views: 602

Re: Reporting a Car Accident to the Insurance Company

I agree. This morning we each reported the incident to our respective insurance companies. My company has been informed that the damages will be covered by his company. That is the plan. I was concerned that the damages could be much higher than I think and then he would want to back out or change t...
by Prudence
Sat Dec 29, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Reporting a Car Accident to the Insurance Company
Replies: 6
Views: 602

Reporting a Car Accident to the Insurance Company

I live in Maryland. Last night my neighbor's grand son (about 16) backed into my car causing between $1,000 and $2,000 damage (my estimate). My car was legally parked on the street in front of my house. The son and his father, who also live in Maryland, came to my door to tell what happened. We are ...
by Prudence
Thu Dec 27, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: How compare rates for CD's vs Bond Funds? SEC Yield , Return,. Price Chart?
Replies: 15
Views: 1466

Re: How compare rates for CD's vs Bond Funds? SEC Yield , Return,. Price Chart?

@Prudence: Am I reading it wrong for: Vanguard Short-Term Treasury Idx Admiral (VSBSX) https://finance.yahoo.com/quote/VSBSX?p=VSBSX&.tsrc=fin-srch The "Yield" says 1.75% This is where I'm getting confused: Is "Yield" the same as "Return" the same as a CD's "Rate"? Its "5-Year Average Return=0.54%"...
by Prudence
Thu Dec 27, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: How compare rates for CD's vs Bond Funds? SEC Yield , Return,. Price Chart?
Replies: 15
Views: 1466

Re: How compare rates for CD's vs Bond Funds? SEC Yield , Return,. Price Chart?

I would compare a short term Treasury bond fund to a two year CD since the ST fund has a duration of two years. Capital One is offering 2.8% on a two year CD while the SEC Yield on the VG ST Treasury bond fund is 2.54%. The CD rate is guaranteed if you hold it to maturity while the bond fund fate wi...
by Prudence
Thu Dec 20, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Considering living with Mother in law (MIL)
Replies: 34
Views: 3591

Re: Considering living with Mother in law (MIL)

Sounds like she will be a danger to herself. So, what happens when this comes to a head? You may need to consider obtaining legal guardianship and then making decisions for her. She will hate you for it but sometimes there is no other way. Good luck.
by Prudence
Wed Dec 19, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: What will be the low for the S&P 500?
Replies: 87
Views: 7909

Re: What will be the low for the S&P 500?

2,200 for the floor on a correction. I don't see any evidence to support a recession and bear market starting in the next two years, in so far as this would affect the S&P 500. So, a drop from the high of 2,940 to 1,400 (52%) seems wildly pessimistic.
by Prudence
Tue Dec 18, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 2681

Re: Tips for a cold bedroom above a garage?

poleman wrote:
Tue Dec 18, 2018 8:18 pm
Solved this problem by ripping out the drywall in the garage ceiling and insulating the floor of the bedroom through the garage ceiling. There were only 2 in. of insulation in the bedroom floor/garage ceiling.
Did you replace the drywall after adding the insulation to the garage ceiling?
by Prudence
Sat Dec 15, 2018 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Safe Harbor, Cap Gain, and RMD
Replies: 9
Views: 722

Re: Safe Harbor, Cap Gain, and RMD

BTW, does your $132K AGI in 2018 include the RMDs?
by Prudence
Fri Dec 14, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 35
Views: 2752

Re: My PenFed 5 yr CDs are maturing

I have one 5 year CD expiring in Dec....another in January. Penfed does have a 5 year 3.50% CD. Here are the early withdrawal rules for 5 year CDs: 2) Certificates Having a Term Greater Than Six Months. a) If redeemed within the first year, all dividends will be forfeited. b) If redeemed thereafter...
by Prudence
Tue Dec 11, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 35
Views: 2752

Re: My PenFed 5 yr CDs are maturing

I am thinking about rolling my maturing CD to a one year penfed CD at 2.8%.
by Prudence
Sun Dec 02, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: "Three Simple Rules of Investing"
Replies: 19
Views: 6736

Re: "Three Simple Rules of Investing"

Your 40/20/40 allocation is just for your fixed allocation, right? What is your reasoning behind 40% TIPs?
by Prudence
Sat Nov 24, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Verizon Fios
Replies: 2
Views: 338

Re: Verizon Fios

Thank you. (I have the Verizon router BTW).
by Prudence
Sat Nov 24, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Verizon Fios
Replies: 2
Views: 338

Verizon Fios

Five days ago I received an email from Verizon asking me to activate Home Network Protection, a McAfee product. Is this a good idea to turn it on?
by Prudence
Mon Nov 19, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: SS Question
Replies: 9
Views: 1142

Re: SS Question

How old is this couple? Unless they are past about 65 this year??, the law changed quite a bit back in about 2016. Here is one of the old Boglehead threads that came up from about the time of law change. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=176706&newpost=2672699#p2672395 For exampl...
by Prudence
Sun Nov 18, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: SS Question
Replies: 9
Views: 1142

SS Question

Suppose wife is receiving SS under her's and husband is receiving SS as her spouse. When husband turns 70, he begins to receive SS as self and not as spouse. The wife's benefit as self is less than half of the husband's (under his at age 70). Must the wife continue to receive her benefit under her's...
by Prudence
Wed Nov 14, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 5153

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

To me, the bucket approach is having a separate bucket for planned short term withdrawals (cash and cash equivalents and ST Treasuries for money needed for zero to three years); mid-term withdrawals (> 3 years to 6 to 10 years in a medium term bond fund); and long term (> 8 to 10 years in stock fund...
by Prudence
Sat Nov 10, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20649

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

What does Extended Download do and/or why do I need it?
by Prudence
Thu Nov 08, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Verizon FIOS and TV Combo
Replies: 5
Views: 410

Re: Verizon FIOS and TV Combo

I have a FIOS Quantum Gateway Router rented for $10.00 per month. It was installed when they installed the boxes and stuff.
by Prudence
Thu Nov 08, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Verizon FIOS and TV Combo
Replies: 5
Views: 410

Re: Verizon FIOS and TV Combo

Yes, Verizon installed a combination modem router. It is in the basement (approximately less than 20 feet from the DVR and TV, measured directly through the floor). We are wireless.
by Prudence
Thu Nov 08, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Verizon FIOS and TV Combo
Replies: 5
Views: 410

Verizon FIOS and TV Combo

I used to have a 2008 flatscreen TV with a blu ray hooked up to Comcast cable and had no trouble watching movies via download or disk from Redbox, Netflix etc. Then I got FIOS and a new 4K smart TV and tossed out my blu ray. (FIOS provides much better internet service and reliability than Comcast). ...
by Prudence
Wed Nov 07, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20649

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Just curious, do they give you an easy way to auto load prior years' Turbo Tax return data?
by Prudence
Fri Nov 02, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2379

Re: Europe Trip

Wow, I love these perceptions and experiences, very useful for us!
by Prudence
Thu Nov 01, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2379

Re: Europe Trip

Regarding last two postings (and others) I can see how a two to three week trip could be optimal (for multiple trips to Europe and perhaps elsewhere abroad). So, I will follow that advice and plan to stay in that range. Thank you.
by Prudence
Thu Nov 01, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2379

Re: Europe Trip

I appreciate everyone's comments and suggestions. Thank you!
by Prudence
Thu Nov 01, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2379

Re: Europe Trip

I was in Paris last year and London the year before the last two weeks of May and the last week of May and the first week of June, respectively. On both trips the weather was beautiful - in the high 70s, low 80s and no rain. Crowds were low(ish). Airfare was <$500. And an unexpected bonus in Paris ...
by Prudence
Thu Nov 01, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2379

Europe Trip

I just reviewed a London-Paris thread which was very informative. I have a related question but I do not wish to hijack that thread. We will be retirees who would like to spend a few weeks in Europe in 2019 or 2020. What is the best time to visit (example, London, Paris, Rome) if we want mild weathe...
by Prudence
Thu Oct 18, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Step-up of basis on spouse’s death
Replies: 10
Views: 709

Re: Step-up of basis on spouse’s death

Zombies wrote:
Thu Oct 18, 2018 5:12 pm
Prudence wrote:
Thu Oct 18, 2018 4:58 pm
Just curious, did your mother's account have a beneficiary?
I don’t believe so but am not sure. What would the consequences of that be?
I don't know. Davistax says her account will get full step up. I assume your Dad would inherit the proceeds through her will.
by Prudence
Thu Oct 18, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Step-up of basis on spouse’s death
Replies: 10
Views: 709

Re: Step-up of basis on spouse’s death

Just curious, did your mother's account have a beneficiary?