Search found 76 matches

by rogue409
Sat Dec 01, 2012 7:19 am
Forum: Investing - Theory, News & General
Topic: Had 401k, put 7k in, now have Roth TSP, how much can I add?
Replies: 6
Views: 943

Re: Had 401k, put 7k in, now have Roth TSP, how much can I a

My new employer offers the TSP and Roth TSP. What makes matters complex is that they actually will match 5% of my salary, but they force you to put 1 of those 5% in a traditional TSP (the remaining 4% match can go in a Roth TSP). That doesn't sound right. I believe all matching has to go into tax-d...
by rogue409
Tue Nov 06, 2012 8:20 am
Forum: Personal Consumer Issues
Topic: Cookware: Quality; Essential Pieces
Replies: 60
Views: 5139

Re: Cookware: Quality; Essential Pieces

I cook alot. I make 90% of the things I want to cook with just three pieces of cookware 1. Lodge 10" Cast iron skillet 2. Enameled, cast-iron french oven (Staub cocotte) 3. A cheap, nonstick 10" fry pan (Ikea 365+) The first two are bombproof and will last forever with just a little care. The third ...
by rogue409
Fri Oct 12, 2012 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Lump sum buyout now, pension later which one?
Replies: 7
Views: 1944

Re: Lump sum buyout now, pension later which one?

One part of the equation is "Can I get a better annuity somewhere else?" You can get SPIA quotes from Berkshire Hathaway at http://www.brkdirect.com/spia/EZQUOTE.ASP , without having to put in any personal information. Your lump sum of $29,373 is too small for their calculator. But I just doubled it...
by rogue409
Fri Jul 20, 2012 6:56 am
Forum: Personal Consumer Issues
Topic: HP Touchpad Fire Sale - One Year Later
Replies: 11
Views: 2479

Re: HP Touchpad Fire Sale - One Year Later

I also put Android on it. I hardly use my laptop at home anymore (except to send longer emails).
by rogue409
Thu Mar 08, 2012 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance
Replies: 46
Views: 9329

Re: Umbrella insurance

Other factors of which I am aware Number of rental properties and type of rental property Policy on allowing tenants to have pets, especially dogs Personal driving record of primary insured under the umbrella (if you have a speeding ticket it affect your umbrella rate) Number of boards (non profit,...
by rogue409
Fri Jan 06, 2012 9:19 am
Forum: Investing - Theory, News & General
Topic: Adjustable Rate Mortgages--good or bad?
Replies: 36
Views: 3561

Re: Adjustable Rate Mortgages--good or bad?

We refinanced about 6 months ago into a 5/5 ARM @ 3.5%. We selected this product for a few reasons: 1. The rate for the first 5 years was lower than both the 30 year and 15 year fixed mortgages with comparable closing costs. 2. The adjustments are capped at 2%, 5% lifetime. So we know that in the wo...
by rogue409
Thu Sep 22, 2011 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: How did you choose your mortgage?
Replies: 16
Views: 2311

5/5 ARM @ 3.5%, either 1.5 or 2% spread on the 5 year CMT, 2% max adjustment at 5 year intervals, 5% cap on adjustment over life of loan. We chose it for a few reasons. a. Lower rate than a 30 year and the same rate as the 15 year fixed. b. Lower payment than the 15 year fixed. We are paying it down...
by rogue409
Thu Sep 08, 2011 11:35 pm
Forum: Personal Consumer Issues
Topic: Portable handheld steamers - do they work?
Replies: 8
Views: 1175

Yes, they work.

I carry one in my suitcase when I travel on business. It's a little Shark and is basically a tiny iron which puts out lots of steam. I can get out 95% of the wrinkles in a shirt well under 5 minutes.
by rogue409
Sun Apr 03, 2011 7:31 am
Forum: Personal Consumer Issues
Topic: Utility Bills
Replies: 104
Views: 16340

1600 sq ft Cape Cod located on Cape Cod. 2 adults.

Electric - $120/month @$0.16-0.18/kwh. Includes electric hot water.
Oil - $100/month @ $3-3.50/gal.
Water - $9/month.
by rogue409
Thu Mar 31, 2011 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help with plan for inherited $$
Replies: 47
Views: 5547

Re: Help with plan for inherited $$

I stand corrected. And surprised.
by rogue409
Thu Mar 31, 2011 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Help with plan for inherited $$
Replies: 47
Views: 5547

Re: Help with plan for inherited $$

My condolences on your loss. We have just gone through this process for a pension which was split between 3 children and a spouse, all who have dramatically different incomes, tax brackets, and need for cash. One child is a doctor and in a similar situation as yourself -- high debt, low current inco...
by rogue409
Wed Jan 12, 2011 6:14 pm
Forum: Personal Consumer Issues
Topic: I get $600/mo car lease reimbursement. What would you do?
Replies: 46
Views: 7204

Re: I get $600/mo car lease reimbursement. What would you d

Would you rather convert the $600/month lease allowance into a taxable pay raise, maybe doing this in order to buy a car? That’d be $7200/year pre-tax, which equates to about a $5,000 raise after taxes. I realize though that a $600 lease allowance is about the same as a $10,000 raise pre-tax, so ch...
by rogue409
Mon Jan 10, 2011 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Expected yield on Tips Auction
Replies: 31
Views: 3552

It's not a reopening, so the coupon should be either 0.875 or 1.00. And the auction won't occur until Jan 20 (next thursday).
by rogue409
Sun Nov 14, 2010 9:22 am
Forum: Investing - Theory, News & General
Topic: Need a 100% TIPS portfolio now
Replies: 89
Views: 14620

Here's a link to the outstanding TIPS:
http://www.treasurydirect.gov/instit/an ... ipscpi.htm
When you find the maturity dates that you want, you can look up the CUSIPs and go your broker.
by rogue409
Wed Nov 10, 2010 2:53 pm
Forum: Personal Consumer Issues
Topic: What is a good lightbulb for under cabinet lights in kitchen
Replies: 25
Views: 4220

I used LED strips, dimmer, and transformer from environmentallights.com. One small drawback -- the LED strips are composed of discrete diodes without a diffuser. So each 12" strip basically has 12 very tiny bulbs.
by rogue409
Wed Nov 03, 2010 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Fed's Buying up to $600 Billion - Oh Oh...?
Replies: 7
Views: 1961

It appears to me they are simply purchasing government debt with newly printed dollars. It seem to me that it has to lead to a devaluation of the dollar and commensurate inflation (QE by another name?)... Very confusing to those of us who are "buy and hold" types.... Yes. Except they don't have to ...
by rogue409
Fri Jun 25, 2010 10:17 am
Forum: Personal Consumer Issues
Topic: Which Camping Tent Should I Buy
Replies: 53
Views: 10507

Good, cheap, light. You can only have 2 of the 3.

I really like my Tarptent Double Rainbow.
by rogue409
Wed Jun 02, 2010 1:41 pm
Forum: Personal Consumer Issues
Topic: Merlot: Best and worst under $9
Replies: 34
Views: 5398

In the worst category, I thought that Washington Hills' "Box" Merlot had an unpleasantly acrid aftertaste that stuck around for a long time. In my opinion, Yellowtail, Lindemans, Charles Shaw, and Delicato are drinkable, but not particularly outstanding. Slightly off-topic, the Bogle Petite Syrah is...
by rogue409
Sun May 30, 2010 8:44 pm
Forum: Personal Consumer Issues
Topic: Merlot: Best and worst under $9
Replies: 34
Views: 5398

Columbia Crest Grand Estates is pretty good, but it's in the $10-12 range. The Columbia Crest Two Vines is usually in the $8-10 range and is not quite as good.
by rogue409
Sat May 08, 2010 8:52 pm
Forum: Personal Consumer Issues
Topic: Manhattan vacation - longterm prkng @ outlying railstations?
Replies: 15
Views: 2357

Croton-Harmon has daily parking for $10 a day and you can get multiple days at a time. A nice benefit is that it's the last "express" stop on the Hudson line. http://village.croton-on-hudson.ny.us/Public_Documents/CrotonHudsonNY_Parking/FAQ After you pay $10/day for parking and another $30-40 for tr...
by rogue409
Mon May 03, 2010 6:49 am
Forum: Personal Finance (Not Investing)
Topic: looking for the boggle head guide to foreclosures equivalent
Replies: 3
Views: 1027

the REO, short sale, and foreclosure forums at biggerpockets.com might be helpful although those are targeted towards landlording, investing, and flipping a bit more.
by rogue409
Sun Apr 11, 2010 6:06 am
Forum: Personal Consumer Issues
Topic: Will "Monster Cable" solve humming problem?
Replies: 14
Views: 3129

It sounds like you have a ground loop.

Make sure that your speakers and computer are plugged into the same electrical outlet. If that doesn't fix it, check out ebay or radio shack for a ground loop isolator - it'll probably cost less than $10.
by rogue409
Wed Feb 10, 2010 3:54 am
Forum: Investing - Help with Personal Investments
Topic: Differences between Int. Term Bond fund and Int. Term Index?
Replies: 3
Views: 921

Re: Differences between Int. Term Bond fund and Int. Term In

YDNAL wrote:The Long-term fund has longer duration (12.1 years) and will suffer the most capital loss in a rising interest rate environment.
by rogue409
Tue Feb 02, 2010 8:46 am
Forum: Investing - Theory, News & General
Topic: In Search of Distress Risk
Replies: 15
Views: 3474

Re: In Search of Distress Risk

The logit model (0/1 dependent variable) seems to rely on a very small share of ‘failures’ in the overall data set (0.09% of total observations in the second paper as I understand). And the subsequent explanatory power seems relatively low. 1. The model doesn't really "rely" on just the failures; t...
by rogue409
Mon Feb 01, 2010 12:25 pm
Forum: Personal Consumer Issues
Topic: Florida Bogleheads - hardwood floor questions
Replies: 25
Views: 6507

Re: Florida Bogleheads - hardwood floor questions

We are getting strong opinions each way on whether install should be "floating" or glued down. One installer insists floating is the best while the other says, no! no! and that floating will feel like the floor isn't stable. I installed a floating engineered floor over concrete in our former house....
by rogue409
Thu Jan 28, 2010 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Is Wellesley good for retirees?
Replies: 29
Views: 7882

No ETF, but you can purchase them at Fidelity if you're willing to pay the usual trading fee. Not a huge deal if you're making a small number of large purchases.
by rogue409
Thu Jan 14, 2010 10:27 am
Forum: Investing - Theory, News & General
Topic: Adjusted for inflation, stock market gains are puny
Replies: 17
Views: 3297

bob90245 wrote:I have this chart that displays US stocks inflation-adjusted and dividends reinvested.

http://bobsfiles.home.att.net/OddsAndEn ... _large.png
What are the dotted red lines?
by rogue409
Thu Jan 14, 2010 8:42 am
Forum: Investing - Theory, News & General
Topic: 30-yr TIPS auction next month. Anyone going to buy?
Replies: 15
Views: 2549

maybe on the secondary

I don't want to buy without knowing what the rate is likely to be. So I'll just wait until they hit the secondary market and I know what the rate is. If it's too low for my taste, I'll just sit it out. If the rate is attractive enough, I'm out the spread and commission. Anyone making wild prediction...
by rogue409
Thu Dec 03, 2009 12:33 pm
Forum: Investing - Theory, News & General
Topic: what is the best estimate for long-term inflation? 3.4%?
Replies: 27
Views: 3732

Re: what is the best estimate for long-term inflation? 3.4%

[quote="btownguy"]So if I pull the data from ftp://ftp.bls.gov/pub/special.requests/cpi/cpiai.txt and average all the values in the final column, I get 3.41% as the average inflation rate based on the CPI-U from 1913 to the present. Is this a valid estimation? Is this what people typically think of ...
by rogue409
Thu Oct 22, 2009 8:32 am
Forum: Personal Consumer Issues
Topic: Does anyone use ooma VOIP ?
Replies: 19
Views: 5134

I've had a great experience using the "old" Ooma (Hub) for the past 4 months. Zero quality issues or downtime so far. We have the base of a 3 handset expandable cordless phone plugged directly into the Ooma.
by rogue409
Sat Oct 17, 2009 8:37 am
Forum: Investing - Theory, News & General
Topic: Econometrics
Replies: 20
Views: 3054

Re: Econometrics

Anybody familiar with the concept of econometrics in this context? http://en.wikipedia.org/wiki/Econometrics I had a friend that tried to explain it to me, but was wondering if some Bogleheads could break it down into layman's terms. Econometrics - the fusion of statistics and economics. It is typi...
by rogue409
Mon Sep 14, 2009 7:27 am
Forum: Investing - Help with Personal Investments
Topic: If You Were 27 And Just Starting Out...
Replies: 24
Views: 4143

Re: Different AA

If you have any advice I would love to hear it! Think I could make a better fund choice? Am I missing a key concept? Keep it simple. Pick a Target Retirement fund and let Vanguard manage your retirement funds while you are starting out and your nest egg is small. In 4-5 years, then worry about slic...
by rogue409
Mon Aug 17, 2009 7:56 am
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 733
Views: 333080

Rogue, Although we spend in dollars, the charts use log scale to show the relative gains of a portfolio over time. The early doubling of a $10K investment looks the same on a log scale as the later doubling of $100K in the same allocation. That is the focus of the charting, showing those relative g...
by rogue409
Thu Aug 13, 2009 8:46 am
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 733
Views: 333080

still taking chart requests?

If you're still taking chart requests, do you think you can produce something using a linear scale for the vertical axis instead of a logarithmic scale. Any chart will do, maybe the one from the first post even.
by rogue409
Mon Aug 03, 2009 8:33 am
Forum: Investing - Theory, News & General
Topic: Inflation - what is a reasonable estimate?
Replies: 16
Views: 2829

http://xkcd.com/605/

Sorry, I can't help myself sometime.
by rogue409
Thu Jun 11, 2009 7:45 am
Forum: Investing - Theory, News & General
Topic: TIPS-Treasury spread question
Replies: 67
Views: 11097

Re: TIPS-Treasury spread question

Is there any consensus (or well-established “camps” of opinion) on the behavior of TIPS versus nominal treasuries? My questions are: 1. What is the premium (cost) investors are willing to pay for inflation protection? (edited once for clarity). The second link here indicates that TIPS have a long-r...
by rogue409
Tue Jun 02, 2009 1:53 pm
Forum: Personal Consumer Issues
Topic: Car prep for long road trip
Replies: 52
Views: 8280

By the way, I did much the same trip a while ago. We rented a car and put miles on their car. The car I rented was roomier and almost decadent (and rather cheap to rent). I did not worry about hitting a pothole. We had a great time. I did the same thing as well for a 1 month, 5000 mile drive about ...
by rogue409
Fri May 15, 2009 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: (Permanent) Portfolio help for a first-time poster
Replies: 95
Views: 14547

Have you seen the insanely long Permament Porfolio post?
http://www.bogleheads.org/forum/viewtop ... 34&start=0

There may be information in there about exactly how/where to hold assets. Also, craigr is a frequent poster in that thread.
by rogue409
Wed May 13, 2009 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: (Permanent) Portfolio help for a first-time poster
Replies: 95
Views: 14547

Re: (Permanent) Portfolio help for a first-time poster

Desired Asset allocation: "Permanent Portfolio" (PP) Stocks - 25% Bonds - 25% Gold - 25% Cash - 25% HB's permanent portfolio is very particular about the bond allocation - it should be in Long Treasuries and not just any old bonds. I think you knew this, but I want to make it clear to everyone. Thi...
by rogue409
Wed Apr 29, 2009 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: 27--trying to stay on course and save for a house
Replies: 7
Views: 2194

Re: 27--trying to stay on course and save for a house

Taxable account at Vanguard (% is percent of overall portfolio): 1% Vanguard Prime Money Market (VMMXX) 4% Vanguard Small Cap Index (NAESX) 12% Vanguard Total Bond Market Index (VBMFX) 5% Vanguard Total Stock Market Index (VTSMX) 5% Vanguard Total International Index (VGTSX) 6% Vanguard REIT Index ...
by rogue409
Thu Apr 02, 2009 9:29 am
Forum: Investing - Theory, News & General
Topic: Closed-end Funds now at very large discounts to NAV
Replies: 155
Views: 33536

2. I tried to approximate the value of the call position. I did this by looking up the value of the most similar options: December 2009, 900 strikes. I multiplied the price by the number of options on the annual report. The call position is worth approximately $4,417,000 or $1.26 per share. The res...
by rogue409
Thu Apr 02, 2009 1:26 am
Forum: Investing - Theory, News & General
Topic: Closed-end Funds now at very large discounts to NAV
Replies: 155
Views: 33536

GRE is interesting because it sells at a discount of 8.2% as of yesterday's close. And it will close in December of this year, returning full net asset value to shareholders. Its net asset value basically tracks the S&P500 up or down, but it also has a call options "kicker", in which case it will d...
by rogue409
Fri Mar 06, 2009 2:12 pm
Forum: Investing - Theory, News & General
Topic: TIPS Retirement?
Replies: 43
Views: 5210

It's too bad that there aren't TIPS zeros, those would be perfect for you. TIPS zeros would be pretty difficult, given the phantom income issue. At least with the coupon TIPS, there would probably be sufficient interest payments to cover taxes due. With zeros, he'd be coming up with a lot of money ...
by rogue409
Fri Mar 06, 2009 1:16 pm
Forum: Investing - Theory, News & General
Topic: TIPS Retirement?
Replies: 43
Views: 5210

It's a little unclear whether you are expecting your $1.2M to generate income of $120,000 per year, or just to be worth $120,000 per year. The first is unrealistic, but the second is fairly straightforward. edit: it looks like you're aiming for the second scenario. You could buy the $120,000 each of...
by rogue409
Sun Mar 01, 2009 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Auction, April 2, 2009
Replies: 7
Views: 1721

Re: Treasury Auction, April 2, 2009

Is there any way to see what the coupon rate is for the 10 year TIPs in the upcoming auction on 4/2/2009 ? If yes, please reveal how you determined it. thanks, hex The rates are set in the auction by competitive bidding. The quickest way to get a number in the ballpark is to look at the daily US Tr...
by rogue409
Sun Mar 01, 2009 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Auction, April 2, 2009
Replies: 7
Views: 1721

Re: Treasury Auction, April 2, 2009

Is there any way to see what the coupon rate is for the 10 year TIPs in the upcoming auction on 4/2/2009 ? If yes, please reveal how you determined it. thanks, hex The rates are set in the auction by competitive bidding. The quickest way to get a number in the ballpark is to look at the daily US Tr...
by rogue409
Tue Feb 24, 2009 1:57 pm
Forum: Investing - Theory, News & General
Topic: TIPS Don't Protect You From Inflation....????
Replies: 50
Views: 8869

I think it's a little misleading to suggest that TIPS don't protect against inflation. They do; however, they do even better when there is unanticipated inflation.
by rogue409
Tue Feb 24, 2009 1:53 pm
Forum: Investing - Theory, News & General
Topic: TIPS Don't Protect You From Inflation....????
Replies: 50
Views: 8869

Tramper Al and toddschanel, I think the issues will be much clearer with a concrete example. I would foul it up but, perhaps, one of you could produce it (?) Lets' pretend that it's the year 2000 and "the market" expects zero inflation for the next 10 years*. We about to purchase new 10-year TIPS a...
by rogue409
Fri Feb 20, 2009 9:13 am
Forum: Investing - Theory, News & General
Topic: 4 Pillars explains why 95% success rate is unlikely
Replies: 12
Views: 3239

Re: 4 Pillars explains why 95% success rate is unlikely

I'm reading "The Four Pillars of Investing". Bernstein makes a fascinating point on page 236. A success rate calculation implies that our political and financial institutions will remain intact. A 95% success rate over 40 years implies there is only a 5% chance of a collapse of our political and fi...
by rogue409
Wed Feb 18, 2009 1:02 pm
Forum: Investing - Theory, News & General
Topic: TIPS Risks
Replies: 49
Views: 6820

Re: TIPS Risks

The first is that my TIPS are all denominated in U.S. currency.Anything that debases the currency will threaten my livelihood. The second is the possibility of hyperinflation. I think your 1st and 2nd pretty similar: massive devaluation of the US dollar. The solution would be to hold things like go...