Bogleheads.org

your broker may cancel the order if it's far away from the current market prices

Buy long duration treasury when the rate hike peaks ( i know it's timing ) ! Vanguard Extended Duration Treasury Index Fund (EDV) Yes, if we get another 40 year run of declining rates, the longer the duration the better....Could definitely out-perform equities in the right scenario ... Since you brought up the "T" word, how did you land on your preference for a 20 year duration (EDV), vs 6.5 year (BND) versus say 2 years...? What will you look for to let you know we're at the peak of rate hikes...? No one knows it's based on assumption the rates will peak and reverse the trend , it depends on responsible fiscal policy and monetary policy . Holding US govt bond or holding cash is the same . if you timeline is over 20 years and wan...

Buy long duration treasury when the rate hike peaks ( i know it's timing ) !

Vanguard Extended Duration Treasury Index Fund (EDV)

2001 toyota corolla LE 15k - sold after 6 years when i got kids was happy with it 2002 honda accord ( used ) 6k - got used sold after bad auto tranmission and 5 years of use and fender bender , will not buy honda again 2002 hyundai santa fe 7k - got used sold after bad AC and 6-7 years of use 2005 toyota prius 10k got used sold after 7-8 years due to bad hybrid battery 2007 lexus rx350 11k - got used still driving after 10 years , after couple of major/minor repair works , probably the car i drove most 2013 lexus gs350 18k - got used still driving after 5 years of use 2014 mercedes c250 12k - got used still driving after 3-4 years of use 2010 jeep wrangler 16k - got used still driving after 3 years of use , did have some small issues , plan...

If I had a child starting college in two years, none of their tuition money would be in stocks. I'm conservative, though. Anyway, this is getting off-topic for the thread. not to derail the thread I am only saving 30-40K per child in 529 plan , rest will come form my cash flow . I am using this account not to just save for my kids but grand kids or future gennerations ( since it's tax free growth if used for college ) also secure act allows for the ROTH conversion of 529 plan for kids/ future generations After 15 years, 529 plan assets can be rolled over to a Roth IRA for the beneficiary, subject to annual Roth contribution limits and an aggregate lifetime limit of $35,000. Rollovers cannot exceed the aggregate before the 5-year period end...

The bond market is pricing in a rate peak in mid 2023. https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html?redirect=/trading/interest-rates/countdown-to-fomc.html Does it mean i should buy large amount of bond funds this summer for my kids college fund ? The bond market has already priced it in, so the bond fund price already reflects that expectation. Of course, there are always new expectations coming along... nobody knows what will happen. I wouldn't be basing the college fund investment on trying to time the bond market. How far away is college? the college is 2 year and 8 years away with a 60/40 portfolio in 529 plan. 60/40 portfolio with two years to go is really aggressive. Correct the goal is to move it to 40/60 ...

Tom_T wrote: ↑Wed Feb 22, 2023 9:20 am

manuvns wrote: ↑Wed Feb 22, 2023 8:26 am

chinchin wrote: ↑Tue Feb 21, 2023 5:40 pm The bond market is pricing in a rate peak in mid 2023.

https://www.cmegroup.com/markets/intere ... -fomc.html

Does it mean i should buy large amount of bond funds this summer for my kids college fund ?

The bond market has already priced it in, so the bond fund price already reflects that expectation. Of course, there are always new expectations coming along... nobody knows what will happen. I wouldn't be basing the college fund investment on trying to time the bond market. How far away is college?

the college is 2 year and 8 years away with a 60/40 portfolio in 529 plan.

lazybones18 wrote: ↑Tue Feb 21, 2023 11:34 pm Trying to buy bonds in the secondary market at Schwab

Can’t figure out the YTM calculation when coupon rates are involved

Where can I learn about this more ?

Do you have a account with fidelity they have better bond offerings , you can aslo call the bond trading desk at schwab or fidelity

chinchin wrote: ↑Tue Feb 21, 2023 5:40 pm The bond market is pricing in a rate peak in mid 2023.

https://www.cmegroup.com/markets/intere ... -fomc.html

Does it mean i should buy large amount of bond funds this summer for my kids college fund ?

Rolex makes 800k watches every year, will the market not be saturated at some point of time ?

some times i use Gold as diversifier on my wedding anniversary or not

2010 lexus RX

itsmeagain wrote: ↑Tue Jan 31, 2023 3:57 pm And starting February 1, TIAA dropped Traditional crediting rates by 0.25%.
Here I link the RC version, which fell to 6.25% from 6.5% where it had been since November:
https://www.tiaa.org/public/investment- ... r=47933637

is the rate 6.25% valid for the rest of the life if purchased in Feb 2023 ?

It says:
ChatGPT is at capacity right now

now if it's not available during trading hours why would you use it for recommendation?

Just as Much as your State’s 529 Tax Deduction maximum (never mind) , use cashflow and roth IRA and i series bond to fund expenses , i only attempt to save 50% of estimated expense in 529 plan .

https://www.treasurydirect.gov/savings- ... education/

wrong thread ? watches are not investments , it's a consumer issue

TIAA Traditional payouts are tied to bond purchases , payouts and no liquidity , look into how you take out the money from TIAA Traditional e.g TPA

look into many threads on morningstar

https://community.morningstar.com/s/que ... d-of-bonds

Petrocelli wrote: ↑Tue Jan 24, 2023 2:35 pm Back in 2008, when I started the "Best watch for $5,000" thread, I was thinking about getting a $5,000 watch for my 50th birthday. I didn't get it, but my wife bought me a Rolex for about $7,000 a few years later.

I checked today, and my watch now sells for $11,300.

Did that outperform your total bond market fund ?
here are some 47 Best Watches Under $5000 from Teddy
https://teddybaldassarre.com/blogs/watc ... under-5000

West coast (Guanacaste Province) is much better than rest of the costa rica! Start with tamarindo , chocolate tours, catamaran rides and hiking national parks

What are the chances thet total bond market fund or TIPS will outperform TIAA Traditional in the long run ? TIAA Traditional and The Mistake Many Academics Make https://www.youtube.com/watch?v=T7dmj92N57k Outperform? Probably not. I think TIAA Traditional's return will be slightly below TBM but it smooths out the curve. http://collegeretirement.blogspot.com/2011/09/is-tiaa-traditional-good-deal.html There are way too many variables to consider if you go by only the interest rates offered vs. bonds. If you want your contributions to take advantage of abnormally high credit rates that are offered now, sure. Remember - a little more than a year ago some TIAA Traditional contracts were offering less than 4%. These rates should eventually rever...

What are the chances thet total bond market fund or TIPS will outperform TIAA Traditional in the long run ?


TIAA Traditional and The Mistake Many Academics Make
https://www.youtube.com/watch?v=T7dmj92N57k

cshell2 wrote: ↑Mon Jan 23, 2023 10:45 am You can change the beneficiary name to the account owner, but it's believed that resets the 15 year clock.

I was under the assumption that account has to be 15 year old not the time beneficiary was elected or changed

@manuvns, on top of the relatively low lifetime limit, I don't believe that $35k figure is subject to inflation adjustment going forward. Hmm proably good idea to rollover when people are retired . they can roll over maximum $6.5K in a year according to rules You can only rollover as much as you're qualified to contribute that year and it is subtracted from your annual max. It's not $6500 in addition to your normal Roth contribution. A retired person probably won't have earned income to make them qualified to contribute. Also, it can only be rolled to the beneficiary, not the account owner. You can change the beneficiary name to the account owner, but it's believed that resets the 15 year clock. hmm the 529 never made sense for me , i woul...

veggivet wrote: ↑Mon Jan 23, 2023 10:36 am @manuvns, on top of the relatively low lifetime limit, I don't believe that $35k figure is subject to inflation adjustment going forward.

Hmm proably good idea to rollover when people are retired . they can roll over maximum $6.5K in a year according to rules, or does conversion need earned income ?

cshell2 wrote: ↑Mon Jan 23, 2023 10:00 am

manuvns wrote: ↑Mon Jan 23, 2023 9:51 am What are the tax consequences for rolling over the 529 assets to roth ? Since 529 is post tax money , Do i pay taxes on the gains made on the day of rollover?

The only tax consequences would potentially be state if your state doesn't decide to conform to the federal rules.

thanks i wonder how they come up with the 35k limit for rollover , seems low given some people may have over 100k saved per child

What are the tax consequences for rolling over the 529 assets to roth ? Since 529 is post tax money , Do i pay taxes on the gains made on the day of rollover? ... nevermind

Omega seamaster aqua terra GMT is a very good watch for 6K if you can find one

Intl assets and fixed income are better priced compared to US stocks for the risk at this moment . you should be investing more on these now, the only positive in US investing at this moment is dollar strength .

only 30/15 day expense depending on paycheck cycle .

Go with the cheaper option if you are not planning to stay in same house for 7-8 year minimum . 600k mortgage payment is 3,624 @ 6% + insurance + tax + other overheads

I came across this paper on liquidity illusion and tried to test it in real life with a thinly traded junk bond ETF , The ETF is HYXU, iShares International High Yield Bond ETF . I placed a good till cancelled order 2-2.5$ below the last traded price , it never executes during the market hours but i get a fill after hours , anyone cares to explain how does this trade executes ? Is the ETF provider unloading new units after hours at 4-5% discount to market prices ? https://www.morganstanley.com/im/publication/insights/investment-insights/ii_anillusionofliquidity_us.pdf Does unloading new units mean the same as a capital increase? No it's creation of new ETF units but i don't know how it's done with corp bonds especially intl high yield

I came across this paper on liquidity illusion and tried to test it in real life with a thinly traded junk bond ETF , The ETF is HYXU, iShares International High Yield Bond ETF . I placed a good till cancelled order 2-2.5$ below the last traded price , it never executes during the market hours but i get a fill after hours , anyone cares to explain how does this trade executes ? Is the ETF provider unloading new units after hours at 4-5% discount to market prices ?

https://www.morganstanley.com/im/public ... ity_us.pdf

You have to pay $2k in property tax by 12/31 or you will owe a significant penalty. Your choices: 1. drive to the government office or use public transit, go in and pay. $2 cost either way. 2. use the government office e-check service, $2 cost. 3. use bank online bill-pay, FREE, but via USmail with the usual delivery concerns. 3.1 use bank online bill-pay with the two-installment (no extra cost) method, $1k now $1k due by next March. But make both payments "now", at least one day apart, to minimize the odds of USmail failure to deliver one of the payments by 12/31. But double the odds of one failure, and one failure would require follow-up. 4. use a credit card, but the fee will exceed your best reward card compensation by at lea...

I have moved a chunk from TIAA Real Estate this year into stocks and bonds , the real estate had the run from 2009 to 2022 , you can move funds once a quarter, i allocate minimum 5% in every asset class ( stocks , bonds, guaranteed , Real estate and MM ) because you never know

buy everything, stock bond, gold , reit if confused

I buy when i have excess cash .

A rolex watch for 50% discount!

do the math how much tax dollar you save if you put money in 401k . if it's higher than your post retirement tax rate you should max your 401k . the purpose of 401k is to avoid taxes and grow tax free

I am contrarian in my taxable accounts , because some assets are not available in 401K

that's a lot of money to retire! 95% do not have that.

I'm looking to diversify my savings from stocks only buy buying 3 single family homes to rent out. The city I live in will continue to experience exponential growth. The challenge here, any anywhere, is finding RE that is cash flow positive (monthly income minus ALL expenses, but not including tax benefits or appreciation). However with 20% DP I can come out a little bit ahead for a cash buffer. I've owned rentals in the past, so have experience. My timeline is 10 to 15 years, so not overly concerned with attempting to time the market. I believe these homes will be worth more money in the future, even if they do come down a little further in price. 2 similar homes sold this week so even with high rates, there are buyers due to limited supp...

the day stocks market crashes by 45% you ability to sell RE for profit will be slim . you need cash on those days . always have cash + RE + gold + Stocks + bonds

fastrak99 wrote: ↑Wed Nov 09, 2022 4:11 pm
Thanks!

#1 get some job to qualify for mortgage or use margin/portfolio line of credit secured with your portfolio .

harikaried wrote: ↑Mon Nov 07, 2022 2:13 pm

manuvns wrote: ↑Mon Oct 31, 2022 11:41 amyou store in your powerwall or send it back to your utility

Why not both!? But yes, we'll be doing that, and I was trying to figure out if there were better uses of the excess solar as in our situation, we won't get much marginal benefit of excess solar going to the utility after some point.

Solar is worth it if you get 2x the cost of capital . which means you should get 8-10% annually in current enviroment , will a 20k system give you 2K in energy saving ? people i talked to said they are getting half of it .

you should call fidelity 800-343-3548

For the first time, traders are pricing in a very slim, less-than-1% chance that the fed-funds rate target could touch 6% by June or the second half of next year.

https://www.marketwatch.com/story/threa ... 1667493997

won't it be 5% plus soon ? might want to wait few month and collect 3% in HYS

Might as well buy iShares MSCI Norway ETF , if you are betting on oil and supply chain co. including this one

thisisalloneword wrote: ↑Thu Nov 03, 2022 10:58 am Is there some rule of thumb for what the hourly rate should be to equal a regular salary plus full benefits?

you should expect 30-40% higher rate compared to full time jobs to pay for insurance , payroll texes if C2C job , and lower contract duration

Tom_T wrote: ↑Thu Nov 03, 2022 10:03 am I have a potential opportunity to make more money as a remote contractor (IT field.) I've never been anything but a salaried employee, so I don't know the first thing about operating as a contractor. What are the main financial-related issues I need to think about / ask the potential employer? Billing, taxes, etc.? Any "gotchas" to be aware of?

With contract jobs you should expect higher pay ,also plan for higher insurance costs and emergency savings due to gaps between contract jobs