Search found 869 matches

by SpaceCowboy
Thu Aug 16, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 1823

Re: Freedom Credit Union 30 Month 3.56%APY CD

There was a nationwide loophole through the American Consumers Council.
They intended it to be for residents of a set number of states, and were overwhelmed by the nationwide response because it was so above market. Think it lasted about 10 days.
by SpaceCowboy
Thu Aug 16, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 1823

Re: Freedom Credit Union 30 Month 3.56%APY CD

CD promotion ended today. No new promo CDs are being opened.
by SpaceCowboy
Mon Aug 13, 2018 12:56 am
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 1823

Re: Freedom Credit Union 30 Month 3.56%APY CD

This promo will not last until September. Deals like this are usually only open for a couple of weeks. The only recent 4% CD that I know of was the Sharonview 4% 5 year CD deal earlier this year, maybe around March. I bought that one. I'm also in the process of investing in this deal. I think 3.56% ...
by SpaceCowboy
Thu Aug 09, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Have Private Reits worked for you?
Replies: 17
Views: 1072

Re: Have Private Reits worked for you?

You’ve got to be kidding. Private REITs that are sold to pseudo retail investors are one of the most abused products out there. FINRA has repeatedly warned about improper sales practices around them. They are illiquid. Average investor lacks the skills and access to properly diligence them. Returns ...
by SpaceCowboy
Sun Jul 22, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 77
Views: 11663

Re: Why [was] QSPIX steadily declining?

Well the QSPIX q2 performance attribution report is out and the reason for the decline is the Value factor. The fund lost 12.6% through loading on the value factor. Carry was the most positive factor with a gain of 3.4%
by SpaceCowboy
Sun Jul 15, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 77
Views: 11663

Re: Why [was] QSPIX steadily declining?

grok87 wrote:
Sun Jul 15, 2018 3:21 pm
Anyone know what the momentum factor returns for q1 and q2 of this year were.
Per the S&P report linked above YTD +8.86% Q2 +5.29%
by SpaceCowboy
Fri Jul 13, 2018 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 77
Views: 11663

Re: Why [was] QSPIX steadily declining?

Actually momentum has done fine this year. Value has struggled. Carry has also not done well with the steepening of the yiel curve. http://pages.marketintelligence.spglobal.com/rs/565-BDO-100/images/dashboard-us-2018-06.pdf?mkt_tok=eyJpIjoiTW1FeFlUVXhNak0xWVdFMiIsInQiOiI3WWVSKzRwVW5mTHBoRUJ1YXd6K1JZ...
by SpaceCowboy
Sun Jul 08, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 77
Views: 11663

Re: Why [was] QSPIX steadily declining?

I haven’t seen a recent attribution analysis. However, the carry trade was probably negative. Momentum should have been positive. Unclear to me why the drop has been so dramatic. Anyone in touch with Larry who might have some insight?
by SpaceCowboy
Fri Jul 06, 2018 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it
Replies: 20
Views: 2117

Re: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it

For ACA coverage you need to apply by 15th to start coverage on 1st. Cobra can be applied for retroactively. Believe it’s 60 days, but not sure. The general rule is to leave current employer early in the month, and start your new job before the end of the same month. That usually provides gap free c...
by SpaceCowboy
Thu Jul 05, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401(k) Limits and Controlled Group Rules
Replies: 3
Views: 286

Re: Solo 401(k) Limits and Controlled Group Rules

I've been in the same situation, except with two LLC S-Corps and a sole prop. The advice that I've gotten from Mark at MySolo401K is that, because I completely own all three businesses (one jointly with my wife) that they are a controlled group. My profit sharing max is thus 25% of the payroll for ...
by SpaceCowboy
Thu Jul 05, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401(k) Limits and Controlled Group Rules
Replies: 3
Views: 286

Solo 401(k) Limits and Controlled Group Rules

Here's my situation. I originally setup my solo 401(k) for my sole proprietorship. A couple of years ago, I switched it or adopted it as the 401(k) for my LLC. This year, the bulk of my income is coming on a 1099 directly, essentially as a sole proprietor, and not through the LLC. Can I somehow use ...
by SpaceCowboy
Fri Jun 08, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Rising Interest Rate Strategy
Replies: 35
Views: 4725

Re: Rising Interest Rate Strategy

However, now that rates are actually rising, I’m looking for somewhere to shift maturing CD proceeds and am considering some sort of floating rate fund like the BKLN ETF. Granted there is a big difference in risk. Any other floating rate type products that make sense. For fixed income I stay invest...
by SpaceCowboy
Thu Jun 07, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Rising Interest Rate Strategy
Replies: 35
Views: 4725

Re: Rising Interest Rate Strategy

I think the people that had CD ladders are going to get the prize. 5 year CD's were paying 10 year Trsy rates and should mature just in time to reinvest at much higher rates. Now 2 and 3 year CD's are paying 5 year rates and higher and should mature in time to reinvest at much higher rates. As a se...
by SpaceCowboy
Sun Jun 03, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 77
Views: 11663

Re: Why [was] QSPIX steadily declining?

Resurrecting an old thread, but does anyone have a clue as to why QSPIX had such a terrible month in May 2018? It's off about 5% for the month and the year. Certainly continues to be uncorrelated, but I'm not sure why it had such a steep drop in the month.
by SpaceCowboy
Tue May 22, 2018 1:41 am
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 50437

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I’m fortunate to be part of the 3%. Doubt that I would have psychologically been able to pull the trigger on early retirement while my kids were still in high school if I hadn’t fully funded 529s to cover college for my kids. Tax benefits were worthwhile, even without a state tax deduction. It’s jus...
by SpaceCowboy
Tue May 15, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Improvement Incentive?
Replies: 12
Views: 1465

Re: Vanguard Customer Service Improvement Incentive?

Move your money to Fido. They're customer service is much better and you can still buy Vanguard ETFs or use Fido's low cost index funds.
by SpaceCowboy
Sun May 13, 2018 1:54 am
Forum: Investing - Theory, News & General
Topic: short term investment
Replies: 18
Views: 1440

Re: short term investment

In a rising interest rate environment, 2 year Treasuries are not risk free for short term money.
I use the demand notes as my cash buffer. They hold 6 months of expenses that I draw down on monthly plus taxes that are due next April which are above my estimated tax payments.
by SpaceCowboy
Sat May 12, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: short term investment
Replies: 18
Views: 1440

Re: short term investment

If you’re willing to take a little risk, Mercedes Benz Financial First Class Demand Notes are paying 2.6%
That’s the best I’ve found on demand deposits. Only available to accredited investors and NOT FDIC insured
https://firstclassdemandnotes.com
by SpaceCowboy
Thu Apr 12, 2018 12:57 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 466
Views: 68045

Re: 2-year CDs at Vanguard and Fidelity Today

At Vanguard there is a 3-year, SALLIE MAE BANK SALT LAKE CITY UT CD FDIC #58177 2.75% 04/12/21 04/11/18, at 99.55, which is 99.65 for yield of 2.872% at $1 commission, and 99.75 for yield of 2.837% at $2 commission, so a pretty good one if you want to go to three years (I just bought a few in sever...
by SpaceCowboy
Mon Mar 12, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 92
Views: 13994

Re: Sharonview FCU 64 month CD - 4%

After 3 tries, my wire finally was successfully completed this morning. Once I got the rep on the phone, no problem funding the certificate. Happy to get 4% 8-)
by SpaceCowboy
Sun Mar 11, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Discipline
Replies: 17
Views: 3052

Re: CD Ladder Discipline

I focus on buying CDs at 3%+ on special. Was pleased with the recent 4% Special 64 month CD offered by Sharonview. Highest rate I’ve seen since starting to buy CDs in 2013. Right now still think CDs are compelling, but Treasuries are looking better after the recent rise in rates.
by SpaceCowboy
Thu Mar 08, 2018 11:52 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 92
Views: 13994

Re: Sharonview FCU 64 month CD - 4%

Funded with a wire and then called to open CD. One of my wires was rejected by them because it did not have my address in the originator info. So, you might want to make sure your address is included in the wire instructions. This appears to be an usual requirement.
by SpaceCowboy
Wed Mar 07, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 92
Views: 13994

Re: Sharonview FCU 64 month CD - 4%

I was able to open the basic membership account online with no hassles. Out of state using Hobby Farmers of America. In the process of funding. I called to ask about funding, CSR said they would put a note in my file to guarantee the rate. Planning on funding using a shared branch deposit.
by SpaceCowboy
Tue Feb 13, 2018 3:01 am
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity
Replies: 10
Views: 1290

Re: Deferred Income Annuity

The big (or real) issue with DIAs is that they don’t provide any inflation protection during the deferral period. Thus, when the payouts actually begin 30 years later in this case, what will that income stream really be worth.
by SpaceCowboy
Sun Feb 11, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 207816

Re: QSPIX - thoughts on interesting fund

QSPIX is just so misunderstood. It has been an amazing fund. The appropriate benchmark for it is not global equities or a 60/40 balanced fund, it’s either cash or ST bonds. The fund has nowhere near the volatility of a 60/40 portfolio. It has absolutely provided diversification benefits through its ...
by SpaceCowboy
Sun Feb 11, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 207816

Re: QSPIX - thoughts on interesting fund

I have questions, which might be naive, IDK. Since QSPIX is closed to new investors, what happens if you sell? Does the buyer have to be a current owner of QSPIX, and doesn't that limit the number of potential buyers pretty drastically? Is that the point of closing the fund, to limit buyers and sel...
by SpaceCowboy
Sun Jan 28, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Flagship? [T. Rowe Price retirement funds]
Replies: 27
Views: 3454

Re: Flagship? [T. Rowe Price retirement funds]

This is absurd.
I just wish Vanguard provided flagship level customer service to all their customers including Flagship ones. Their customer service is below industry standards.
by SpaceCowboy
Sat Jan 27, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 437
Views: 90684

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

To get the liquidity you need to live, you will need to make the withdrawals from taxable regardless if you use Prime Harvesting or another withdrawal method. Offsetting the transactions inside your tax preferenced accounts to make the withdrawal from the bond side is a tax free transaction. I would...
by SpaceCowboy
Wed Jan 10, 2018 12:51 am
Forum: Investing - Theory, News & General
Topic: 3% CD available in the Los Angeles area
Replies: 5
Views: 1629

Re: 3% CD available in the Los Angeles area

The EWP is only 90 days on this 4 year CD. It's a great deal!
Must be opened in person however.
by SpaceCowboy
Thu Dec 28, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Would you sign a non-compete for a side-gig consulting agreement?
Replies: 44
Views: 3015

Re: Would you sign a non-compete for a side-gig consulting agreement?

What is a reasonable geographic restriction for a non-compete in the case of a physician who must physically see patients is very different than what could be reasonable in the case of an engineer developing products for worldwide sale. I think you’d be surprised at the willingness of some courts to...
by SpaceCowboy
Thu Dec 28, 2017 12:34 am
Forum: Personal Finance (Not Investing)
Topic: [Pass-Thru Entities Questions Thread]
Replies: 141
Views: 12066

Re: [Pass-Thru Entities Questions Thread]

Here is how I am interpreting Section 199A. In 2018, I will start a blog and in 2019 publish a related book. There will be expenses related to the blog and the book, and possibly some income, which I will treat as a sole proprietor. Here are two plausible scenarios: Scenario #1 (2018) $6,000 - expe...
by SpaceCowboy
Wed Dec 27, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Would you sign a non-compete for a side-gig consulting agreement?
Replies: 44
Views: 3015

Re: Would you sign a non-compete for a side-gig consulting agreement?

Why would you even consider signing a non-compete for such a minimal financial gain. Not worth it. Stick to non-disclosure and IP agreement.
by SpaceCowboy
Sun Dec 24, 2017 10:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 10007

Re: My Christmas Present to You

Thank you Taylor.
Our Nation and the World owe you a debt of gratitude. Thanks for fighting the right fight. :sharebeer
by SpaceCowboy
Sun Dec 24, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: $5000 donor advised fund - fees seem awfully high
Replies: 21
Views: 2818

Re: $5000 donor advised fund - fees seem awfully high

As pointed out in another thread, the tax drag on an investment like Total Stock Market is around 0.6% per year for many investors, so there is no loss contributing taxable funds to a DAF. Plus, avoiding capital gains taxes is still a win. Agree, but one can also avoid capital gains by directly don...
by SpaceCowboy
Sun Dec 24, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 15727

Re: Will you take this Fidelity bait ?

Move the money to Fidelity and take the bonus. Then every year or so ask Fidelity to match TD’s bonus or someone else’s transfer bonus as a retention bonus. They will give you a retention bonus once every 12 months without any need to move your money. You will also get much better customer service t...
by SpaceCowboy
Sun Dec 24, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 78
Views: 10846

Re: Early retirement pros and cons:

I agree that the key is emphasizing the FI in FIRE to give you the options. I retired or semi-retired 4 years ago at age 53. I’d worked hard during my career. Very much think it was the right decision for me. Key for me was to have more time with my kids before they headed off to college. Older one ...
by SpaceCowboy
Tue Dec 19, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 37019

Re: Ally Bank 11 month No Penalty 1.75%

Blues wrote:
Tue Dec 19, 2017 9:53 am
It's both funny and kinda sad how worked up we get over these low rates. :mrgreen: :oops:

:sharebeer
+1
I’m always happy when one of the 3% specials CDs shows up
by SpaceCowboy
Thu Dec 14, 2017 10:07 pm
Forum: Investing - Theory, News & General
Topic: How would you value a business if you considered investing in it
Replies: 30
Views: 3029

Re: How would you value a business if you considered investing in it

It really is unclear why you really want to buy into this business. It doesn’t sound like you will own enough of a stake to be a partner and have real influence over how the business is run. It also doesn’t sound like there is a widespread employee or management ownership plan that is used to provid...
by SpaceCowboy
Sat Dec 09, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Why Are So Many Companies Announcing Share Buyback?
Replies: 32
Views: 3507

Re: Why Are So Many Companies Announcing Share Buyback?

Best case: as stated above, a way to pay out a dividend without declaring a dividend per se, and giving the option to shareholders whether they want the dividend or not. If funded with cheap debt, a way to lock in interest savings a rebalance their debt to equity as equity increases. Worst case: A ...
by SpaceCowboy
Fri Dec 08, 2017 12:59 am
Forum: Investing - Theory, News & General
Topic: Colorado 529 down in 2018 - 2.25%
Replies: 2
Views: 630

Colorado 529 down in 2018 - 2.25%

Haven’t been able to find the new rate online, but I called them and was told the rate would be 2.25% next year. That’s a bit disappointing and represent a drop of over 30 bps. :(
by SpaceCowboy
Mon Nov 27, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying property taxes
Replies: 12
Views: 1601

Re: Prepaying property taxes

I'm considering pre-paying my property taxes this year. The issue I'm running into is AMT. In my case, I may be better off paying all or part of my state estimated tax payments due on 1/15/18 in 2017. This will let me adjust the payment amount to be at the edge of AMT kicking in.
by SpaceCowboy
Mon Nov 27, 2017 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Anyone bail early and regret it?
Replies: 12
Views: 3456

Re: Anyone bail early and regret it?

I would take the next couple of years to think about and plan what you would do without work. It’s better to retire to something. The transition can be a bit difficult, if you don’t have some hobbies or activities that you would like to do with the extra time. I also found that I became more frugal ...
by SpaceCowboy
Sat Nov 25, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Charcoal grill
Replies: 18
Views: 1963

Re: Charcoal grill

The Kamado is far superior to the Weber for smoking. For grilling, the Weber is just fine. Low and slow, the Kamado is much better. The Joe Jr. Would work, but has very limited grill space. You get 2 zone grilling in steps, remove the deflector, not at the same time as is possible in the Weber.
by SpaceCowboy
Sat Nov 25, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: Dropping Term Life Insurance When Hitting Your Number
Replies: 30
Views: 4254

Re: Dropping Term Life Insurance When Hitting Your Number

Take the emotion out of it. It's a bet. Keeping the policy in force is keeping the bet in place while the odds are in your favor. Dropping the policy now is a sure win for the insurance company.
by SpaceCowboy
Sat Nov 25, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: What are average incomes for luxury vehicle purchases? Will help me decide
Replies: 57
Views: 4805

Re: What are average incomes for luxury vehicle purchases? Will help me decide

My rule of thumb when I was working from just out of college till early retirement, was 20% of annual income pre-tax for the price of the car. I found that leasing is the better financial deal, assuming that you can find a well incentivized vehicle. Lease payments of course were less than the aforem...
by SpaceCowboy
Fri Nov 24, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: WSJ - Wall St. Predictions Wrong Again
Replies: 7
Views: 1813

Re: WSJ - Wall St. Predictions Wrong Again

It's more interesting to me that the interest rate predictions were so systematically wrong. I’ve always thought interest rates should be more predictable than stock prices.
by SpaceCowboy
Fri Nov 24, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: WSJ - Wall St. Predictions Wrong Again
Replies: 7
Views: 1813

WSJ - Wall St. Predictions Wrong Again

Once again the high paid Wall St. analysts got it wrong.
Nobody knows nothing.

Image

https://www.wsj.com/articles/wall-stree ... 1511474337
by SpaceCowboy
Fri Nov 24, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 8005

Re: Any BLACK FRIDAY deals for Bogleheads?

sambb wrote:
Fri Nov 24, 2017 11:04 am
macs at b&H are a good deal today! enjoy!
The Apple refurbished store deals are cheaper than the Black Friday deals. Full warranty and AppleCare eligible.
by SpaceCowboy
Thu Nov 23, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 2454

Re: Paying cash for medical care - best practice?

My question, then, for anyone who's had a situation even vaguely resembling this, is what's the best way to go about paying cash for medical care? Do you negotiate a price with your doctor? What about testing, such as lab work or radiology? Is it better to go through the hospital/clinic billing off...
by SpaceCowboy
Thu Nov 23, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Anyone had a POA rejected? [Power of Attorney]
Replies: 45
Views: 4466

Re: Anyone had a POA rejected? [Power of Attorney]

Yeah, I'm pretty furious with Vanguard. Enough to consider moving everything out. But from the stories above and from my other reading it is mostly the same elewhere. My mom gave me POA and it worked smoothly everywhere (10+ banks, Illinois Treasurer for 12+ abandoned accounts, Waddell & Reed, sell...