Search found 65 matches

by buckeye7983
Fri Oct 06, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3110

Re: Simple Notebook/laptop

Chromebook!
by buckeye7983
Thu Sep 21, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 40
Views: 5486

Innovis and ChexSystems freeze confirmation letters

For those of you that recently implemented freezes on-line at Innovis and CheckSystems, how long did it take for you to receive confirmation letters with PINs in the mail?

Thanks!
by buckeye7983
Thu Jul 27, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast
Replies: 28
Views: 3447

Re: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast

If you were unable to access podcast earlier, you should be able to now. Great stuff!
by buckeye7983
Wed Jul 26, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast
Replies: 28
Views: 3447

Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast

Jack Bogle and Eugene Fama discussing passive investing in new Freakonomics Radio podcast. http://www.npr.org/podcasts/452538045/freakonomics-radio Can also listen/subscribe with Google Play Music, Pocket Casts app, etc. "We are now in the middle of the Copernican Revolution about the proper way to ...
by buckeye7983
Thu Apr 06, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: WSJ TIPS chart- how to read?
Replies: 2
Views: 353

Re: WSJ TIPS chart- how to read?

RetiredinKaty-

Thank you!
by buckeye7983
Wed Apr 05, 2017 7:27 am
Forum: Investing - Help with Personal Investments
Topic: WSJ TIPS chart- how to read?
Replies: 2
Views: 353

WSJ TIPS chart- how to read?

Hi- Is anyone able to explain how to read or direct me to a resource explaining how to read the TIPS chart in the Wall Street Journal? http://online.wsj.com/mdc/public/page/2_3020-tips.html?mod=wsj_mdc_additional_interestrates I am most interested in an explanation of accrued principal. Is that the ...
by buckeye7983
Mon Jan 09, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Do you avoid aggregators? Best expense tracker for manual entry?
Replies: 13
Views: 1155

Do you avoid aggregators? Best expense tracker for manual entry?

With the start of a new year, there have been a few threads on tracking finances, investments, expenses, etc. Programs/websites that use aggregators add convenience, but potential security concerns (sharing password). Do you track expenses, but enter transactions manually explicitly because of secur...
by buckeye7983
Sat Jul 16, 2016 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I buy 10 year TIPS at auction in July?
Replies: 29
Views: 2523

Re: Should I buy 10 year TIPS at auction in July?

Is a 10 year TIPS ladder long enough to mitigate sequence of returns risk in early retirement?

Thanks!
by buckeye7983
Wed Jul 13, 2016 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Should I buy 10 year TIPS at auction in July?
Replies: 29
Views: 2523

Re: Should I buy 10 year TIPS at auction in July?

Artsdoctor- Definitely agree about not buying something you don't understand. Exploring TIPS (by The Financial Buff) is an excellent resource. Larry's books and bogleheads forum have also been very useful for me. I would be interested in hearing from critics with regards to the utility of a TIPS lad...
by buckeye7983
Fri Jul 08, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Should I buy 10 year TIPS at auction in July?
Replies: 29
Views: 2523

Should I buy 10 year TIPS at auction in July?

I am concerned that real yield on ten year TIPS has recently gone negative: https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield My IPS calls for fixed income to be split 50/50 nominal bonds/TIPS. This has been in effect for many years, impleme...
by buckeye7983
Tue Jun 07, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 389
Views: 61655

Re: Prime Harvesting anyone?

Thanks to everyone for their responses! There does not seem to be consensus. I am currently in accumulation phase. I have always been comfortable with "active" rebalancing (i.e.- selling fixed income to buy stocks), including in the 2000-2002 bear market and during the 2008-2009 financial ...
by buckeye7983
Sun Jun 05, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 389
Views: 61655

Prime Harvesting anyone?

[Thread merged into here, see below (page 3) --admin LadyGeek] In Chapter 3 of Michael McClung's new book, Living Off Your Money, he describes and analyzing numerous "income harvesting strategies". He makes a persuasive argument for "Prime Harvesting" as described below: "1...
by buckeye7983
Wed Sep 23, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan refinancing- LIBOR or Prime-indexed?
Replies: 0
Views: 227

Student Loan refinancing- LIBOR or Prime-indexed?

When refinancing student loans, is the general consensus that (all else being equal) a loan indexed to 1 or 3 mo LIBOR is preferable to a loan indexed to Prime rate? FinAid website ( http://www.finaid.org/loans/prime_libor.phtml ) states the following: This leads to the following advice for prospect...
by buckeye7983
Wed Aug 12, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: What should we do in South Korea?
Replies: 16
Views: 2266

What should we do in South Korea?

We will be visiting South Korea for the first time this winter. We know it will be quite cold and will pack/dress appropriately.

Any suggestions of what to do when we are there (tours, historic sites, natural wonders, etc.)? Any good books or websites to recommend for guidance?

Thanks!
by buckeye7983
Fri Jul 03, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 22513

Re: Best albums of 2015

The Heart Is A Monster by Failure. They're back. After 17 years. Layers and layers of amazing sonic goodness.
by buckeye7983
Wed May 20, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 22513

Re: Best albums of 2015

My second vote:

Royal Blood (eponymous debut). Two guys. Drums and bass. No guitar. Secret foot pedal setup. Amazing BIG sound.
by buckeye7983
Thu Apr 16, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 22513

Re: Best albums of 2015

King Tuff- Black Moon Spell
by buckeye7983
Sun Mar 01, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 51
Views: 6051

Re: Favorite chocolate candy

nisiprius wrote:
buckeye7983 wrote:...See's candy...
I have to ask... do you own Berkshire Hathaway stock?


Good question! Only via Vanguard Total Stock Market Index fund. :D
by buckeye7983
Sat Feb 28, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 51
Views: 6051

Favorite chocolate candy

What's your favorite chocolate candy?

I'll go first. See's candy. Specifically, the "Nuts and Chews". Even more specifically, the caramel with dark chocolate.

How about you?
by buckeye7983
Wed Feb 25, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: If TIPS yield curve is flatter than nominal curve...
Replies: 1
Views: 491

If TIPS yield curve is flatter than nominal curve...

All things being equal, TIPS yield curve is flatter than nominal treasuries yield curve due to inflation premium. On the other hand, liquidity premium should cause TIPS yield curve to be steeper than nominal curve. Today's yield curves at Department of Treasury website: http://www.treasury.gov/resou...
by buckeye7983
Sat Jan 24, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: % of portfolio in TIPS- mark to market?
Replies: 4
Views: 664

Re: % of portfolio in TIPS- mark to market?

If one plans to hold TIPS to maturity, how is inflation factored into bond value? CPI-U?
by buckeye7983
Fri Jan 23, 2015 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: % of portfolio in TIPS- mark to market?
Replies: 4
Views: 664

% of portfolio in TIPS- mark to market?

Many of us have target percentages of various asset classes in our portfolios. Calculating this is easy when using mutual funds. But how about when you hold individual bonds? For example, what is the best way to value the 10 year TIPS auctioned this week in the years ahead until they mature? Thanks!
by buckeye7983
Fri Jan 23, 2015 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: LMP TIPS ladder- Purchase at next week's auction?
Replies: 6
Views: 1247

Re: LMP TIPS ladder- Purchase at next week's auction?

#Cruncher- Thanks for the perspective. I plan to purchase twice a year (January and July), so this is 5% of ladder. Also, selling Vanguard TIPS fund (VIPSX) to fund purchases, so kind of a lateral move. elgob- Sounds like I good plan. I hope to build a 10 year ladder as well, but over 10 years. stlu...
by buckeye7983
Fri Jan 16, 2015 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: LMP TIPS ladder- Purchase at next week's auction?
Replies: 6
Views: 1247

Re: LMP TIPS ladder- Purchase at next week's auction?

Dang!

I thought this question would generate an interesting discussion. Anyone think it is possible to time the bond market?
by buckeye7983
Fri Jan 16, 2015 9:08 am
Forum: Investing - Help with Personal Investments
Topic: LMP TIPS ladder- Purchase at next week's auction?
Replies: 6
Views: 1247

LMP TIPS ladder- Purchase at next week's auction?

I would like to build a liability matching TIPS ladder, with bonds maturing annually (or twice a year) from 2025-2034. I prefer to purchase at auction, and would only purchase in secondary market if there was a compelling reason to do so. Yields are currently not very attractive (although breakeven ...
by buckeye7983
Fri Dec 05, 2014 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Worried about Mega brokerage fee with TIPS purchase
Replies: 3
Views: 597

Help! Worried about Mega brokerage fee with TIPS purchase

I plan to start building a TIPS liability matching portfolios in my self-directed retirement account at work. I am able to purchase TIPS at auction, but I am required to use a full-service broker. I have communicated (phone and email) with the broker, who has told me the only charge for a TIPS purch...
by buckeye7983
Thu Sep 18, 2014 7:30 pm
Forum: Personal Consumer Issues
Topic: Amazon's new e-reader Kindle Voyage
Replies: 11
Views: 1762

Re: Amazon's new e-reader Kindle Voyage

@Fedguy- It already exists. Surface Pro 3. I'm using it now to surf Bogleheads and post this reply. It is also my laptop (with Typecover) and desktop (with docking station). 9" tablets seem claustrophobic now. It is also very nice for reading PDF's since it is almost exactly the size of a sheet...
by buckeye7983
Wed Sep 03, 2014 7:53 am
Forum: Personal Consumer Issues
Topic: Advice on buying a single gold bullion coin
Replies: 15
Views: 3664

Advice on buying a single gold bullion coin

I would like to buy a single 1 ounce gold bullion coin as a present for someone and have never bought gold before. I would appreciate advice on this. Where would it be best to purchase? Local or not? Recommended online dealers? Would one coin be better than another (i.e. eagle vs maple vs krugerrand...
by buckeye7983
Sat Jun 14, 2014 8:08 am
Forum: Investing - Help with Personal Investments
Topic: POLL: If you were building a TIPS ladder...
Replies: 9
Views: 1347

Re: POLL: If you were building a TIPS ladder...

If I wanted a full 10-year ladder, and I only wanted to buy at auction to save on secondary market spreads, I would buy a 10-year and a 5-year every year, so it would only take me 5 years to fill up the whole ladder. I would probably put the money earmarked for future purchases into individual nomi...
by buckeye7983
Fri Jun 13, 2014 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: POLL: If you were building a TIPS ladder...
Replies: 9
Views: 1347

POLL: If you were building a TIPS ladder...

Where would you hold assets earmarked for building a liability-matching 10 year TIPS ladder while ladder is being built? Assume ladder is being built in a retirement account by buying 10-year TIPS at auction each year for ten years, unless real yields become so attractive that accelerated ladder-bui...
by buckeye7983
Thu Jun 12, 2014 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Calling all TIPsters- 5 W's and 1 H of LMP
Replies: 9
Views: 1423

Re: Calling all TIPsters- 5 W's and 1 H of LMP

Thanks to everyone for their thoughts. I previously purchased a copy of "Explore TIPS" and will now "dust it off" and reread it. Still not sure if it is better to fill multiple rungs now or start filling one rung/yr. My inclination is the latter, since real rates are currently lo...
by buckeye7983
Tue Jun 10, 2014 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Calling all TIPsters- 5 W's and 1 H of LMP
Replies: 9
Views: 1423

Calling all TIPsters- 5 W's and 1 H of LMP

What: Would like to establish 10 year liability-matching portfolio (LMP) TIPS ladder for first 10 years of retirement. $50,000 (in 2014 dollars) per year. Remainder of retirement would be funded by other assets (retirement and non-retirement accounts). Why: Hope to decrease sequence of returns risk ...
by buckeye7983
Wed May 14, 2014 6:22 am
Forum: Investing - Help with Personal Investments
Topic: HSA and asset location
Replies: 5
Views: 524

HSA and asset location

I opened an HSA this year (HSA Bank with TD Ameritrade brokerage account) and plan to use as stealth IRA. Also have 401k, nondeductible traditional IRA, and non-tax advantaged investment account. I am having difficulty deciding what asset class HSA should contain (Vanguard Total Stock ETF vs Total B...
by buckeye7983
Sun Nov 04, 2012 12:28 pm
Forum: Investing - Theory, News & General
Topic: Windows 8: Time to Short Microsoft?
Replies: 52
Views: 5453

Re: Windows 8: Time to Short Microsoft?

Upgraded to Windows 8 on Wednesday (desktop running Windows 7). Took about 2 hours to get oriented. Now like it better than Windows 7. Desktop is ONE click away. Even ignoring Start screen and W8 apps, it is faster, more powerful, and more stable. W8 apps are very nice for consumption and desktop en...
by buckeye7983
Tue Jul 31, 2012 7:33 am
Forum: Personal Consumer Issues
Topic: HP Touchpad Fire Sale - One Year Later
Replies: 11
Views: 2395

Re: HP Touchpad Fire Sale - One Year Later

Got a 16 Gb Touchpad during the firesale and have enjoyed it very much (posting from it right now). How much free memory is needed to install Android?

Thanks!
by buckeye7983
Tue Jul 10, 2012 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Poll: Can you buy individual TIPS in your 401k/403b account?
Replies: 7
Views: 888

Re: Poll: Can you buy individual TIPS in your 401k/403b acco

Thanks for the replies. I am surprised how many are able to purchase individual TIPS in their 401k/403b's. For those that can, are you building a liability matching ladder for retirement? Have you bought at auction, secondary market, or both? Have there been any difficulties in implementation (e.g.-...
by buckeye7983
Mon Jul 09, 2012 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Poll: Can you buy individual TIPS in your 401k/403b account?
Replies: 7
Views: 888

Poll: Can you buy individual TIPS in your 401k/403b account?

Willaim Berstein's recent e-book discusses using individual TIPS (rather than a TIPS fund) for a retirement liability matching portfolio. I would like to purchase TIPS at auction in my 401k (general wisdom is that TIPS in taxable portfolio is not optimal), but am unable to do so. I am able to purcha...
by buckeye7983
Wed Mar 07, 2012 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why shouldn't I buy I bonds instead of VIPSX?
Replies: 8
Views: 1270

Re: Why shouldn't I buy I bonds instead of VIPSX?

hsv_climber and Sammy_M- Good points. I suppose my options are as stated in Sammy's example- 20K (myself and spouse) stocks in taxable (e.g.- Vanguard Total Stock, Total International, and/or Emerging Markets) 20K VIPSX in tax-advantaged account vs 20K I bonds in taxable ("acts like" non-d...
by buckeye7983
Wed Mar 07, 2012 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Why shouldn't I buy I bonds instead of VIPSX?
Replies: 8
Views: 1270

Re: Why shouldn't I buy I bonds instead of VIPSX?

Sammy_M-

Yep. Fully funding tax-advantaged.

I looked at historical data for I bonds and 7 yr TIPS (proxy for VIPSX), and usually put option costs about 0.5-1%. Now being paid nearly 1% (never happened before back to 2003). Seems like an anomaly that shouldn't be ignored.

Thanks for answering.
by buckeye7983
Wed Mar 07, 2012 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Why shouldn't I buy I bonds instead of VIPSX?
Replies: 8
Views: 1270

Why shouldn't I buy I bonds instead of VIPSX?

Real yield on Vanguard Inflation-Protected Securities Fund (VIPSX) is -0.84% Real yield on I bonds is 0% and they have a put option. I understand there are some differences between them, but I am unsure how to justify buying the fund instead of I bonds in today's environment. Goal is long-term savin...
by buckeye7983
Sun Nov 06, 2011 10:07 am
Forum: Investing - Theory, News & General
Topic: Replacing international equities with international debt
Replies: 4
Views: 589

Replacing international equities with international debt

Many investors believe in the diversification benefit of including international equities as an asset class in their portfolio. Many of these same investors increase the percentage of fixed income in their portfolio as they grow older (i.e.- age in bonds). Many of these same investors do not hold in...
by buckeye7983
Sat Oct 02, 2010 10:59 am
Forum: Personal Consumer Issues
Topic: Bogleheads.org on 3rd gen Kindle
Replies: 0
Views: 616

Bogleheads.org on 3rd gen Kindle

Anyone have experience with bogleheads.org on Kindle 3 with new webkit browser? Is it a reasonable experience? If it worked, what was good and bad about it?

Thanks.
by buckeye7983
Wed Mar 10, 2010 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Defined benefit plans for physicians - redux
Replies: 18
Views: 2302

dphmd-

Is this a cash balance plan (a "hybrid" DBP with pooled assets and annual hypothetical account statements for participants)?
by buckeye7983
Sun Aug 30, 2009 7:49 am
Forum: Investing - Theory, News & General
Topic: VG Total Market Index does not contain small cap value?
Replies: 9
Views: 1903

VG Total Market Index does not contain small cap value?

Sound Investing is an interesting podcast to listen to and contains lots of useful info (podcast can be found at Fundadvice.com). However, I was surprised by the following statement in this week's edition referring to Vanguard Total Stock Market Index fund (VTSMX): "They use growth small-cap in...
by buckeye7983
Sat Apr 11, 2009 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Percent emerging markets in VGTSX and VFWIX
Replies: 8
Views: 2715

Percent emerging markets in VGTSX and VFWIX

What percent of Vanguard Total International Stock Index (VGTSX) and Vanguard FTSE All World ex-US (VFWIX) holdings are in emerging markets?

Thanks again!
by buckeye7983
Sat Apr 11, 2009 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Reits and small-cap value in Vanguard Total Stock Market Ind
Replies: 3
Views: 1079

Reits and small-cap value in Vanguard Total Stock Market Ind

I'm sure this is available somewhere, but I have been unable to find it. What percent of Vanguard Total Stock Market Index is Reits? What percent is small-cap (and micro-cap) value? What is the best on-line resource to look up this type of question? Thanks and sorry if this has been answered recently.
by buckeye7983
Thu Apr 02, 2009 4:15 am
Forum: Investing - Help with Personal Investments
Topic: New asset class- lump sum vs dca
Replies: 6
Views: 1365

New asset class- lump sum vs dca

What is the best way to add a new asset class to an established portfolio (portfolio has been in place 10-20 years)? For instance, if one was to add emerging markets as a new asset class and plans on ~ 10% of total equity allocation for emerging markets you could: 1) sell existing assets and immedia...
by buckeye7983
Sun Mar 29, 2009 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Large VTI purchase- one or more?
Replies: 17
Views: 2403

Thanks to all for your input. This transaction is not as large as you might think, I just like to "do my homework" before the fact. I find it interesting that there is such a diversity of opinion among a group of clearly knowledgeable and experienced investors. Is their general consensus t...