Search found 211 matches

by Dominic
Mon Jul 11, 2016 9:20 pm
Forum: Personal Investments
Topic: Today's the day, I finally bought bonds
Replies: 13
Views: 1468

Re: Today's the day, I finally bought bonds

You didn't market time. You made a one-time asset allocation decision based on new information. I'd say it's a very good decision. 25% in bonds at 34 years old is slightly aggressive, but not at all unheard of. (I've heard age minus 10 and age minus 20 in bonds.) Keep saving the way you've been sav...
by Dominic
Mon Jul 11, 2016 8:32 pm
Forum: Personal Investments
Topic: Today's the day, I finally bought bonds
Replies: 13
Views: 1468

Re: Today's the day, I finally bought bonds

You didn't market time. You made a one-time asset allocation decision based on new information. I'd say it's a very good decision. 25% in bonds at 34 years old is slightly aggressive, but not at all unheard of. (I've heard age minus 10 and age minus 20 in bonds.) Keep saving the way you've been savi...
by Dominic
Fri Jul 08, 2016 4:04 pm
Forum: Personal Investments
Topic: What to do with EE bonds
Replies: 6
Views: 1530

Re: What to do with EE bonds

Careful with your redemption strategy. You might be better off holding onto the bonds that have a long ways to go to maturity since they're yielding better than you might think. EE bonds have two maturities. Original maturity is 20 years (17 for older issues), and on that date, the Treasury will adj...
by Dominic
Thu Jul 07, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Marginable ETFs as Tier 2 Emergency Fund
Replies: 18
Views: 1594

Re: Marginable ETFs as Tier 2 Emergency Fund

Not going to comment on margin, but I suggest using a mutual fund instead of an ETF for your municipal bond holdings. Almost all muni ETFs that I've seen are long-term, so they might be too volatile for an emergency fund. If you go with a mutual fund, you'll have to invest the minimum and you might ...
by Dominic
Wed Jul 06, 2016 7:46 pm
Forum: Personal Investments
Topic: Cash EE Bonds Now?
Replies: 5
Views: 955

Re: Cash EE Bonds Now?

You don't have to cash your bonds to pay taxes on the accrued interest. You can just report the accrued interest through the end of 2016 on your 2016 tax return and then after that you report the additional interest that accrues each year. But if you switch, it's for all your bonds and you will nee...
by Dominic
Wed Jul 06, 2016 7:19 pm
Forum: Personal Investments
Topic: Cash EE Bonds Now?
Replies: 5
Views: 955

Cash EE Bonds Now?

I have a handful of EE Savings Bonds, now valued at about $3500. The bonds are all at their original maturity (i.e. they've reached their face value) but are still about 10 years from final maturity. They're yielding 1.2-1.4% (85% of 5-year T-note yield). Excellent for a riskless, liquid investment....
by Dominic
Mon Jul 04, 2016 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need to get over irrational fear regarding investing instilled by parents
Replies: 10
Views: 1585

Re: Need to get over irrational fear regarding investing instilled by parents

The government could theoretically steal your bank account, but they never will. It's a surefire way to piss off 320 million Americans. You're far more likely to have the government forcibly buy property off of you than for them to claim your bank account. Still, even that's a rare occurrence. As fo...
by Dominic
Sat Jul 02, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Hedging against home value decrease
Replies: 42
Views: 4475

Re: Hedging against home value decrease

What if your local real estate market falls while the national market continues to rise? Thus, your shorted REIT increases in price, and your home loses value.

It's not a hedge worth making.
by Dominic
Sat Jul 02, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Save Thousands on Dental Expenses!
Replies: 21
Views: 3985

Re: Save Thousands on Dental Expenses!

Wait at least a half hour to allow the pH to rise back up before brushing. Have you measured the pH of your toothpaste + saliva mixture? I think you might be surprised. One can change pH instantly. Anyways, go measure it and see if you need to wait 30 minutes. I wouldn't give acid 30 minutes to wor...
by Dominic
Sat Jul 02, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Save Thousands on Dental Expenses!
Replies: 21
Views: 3985

Re: Save Thousands on Dental Expenses!

I was taught the correct sequence was floss first, then brush w/ a fluoride toothpaste then don't rinse so fluoride can work. This is correct to my knowledge. Flossing scrapes plaque off the surface, brushing sets it free. Moreover, brushing after meals is a bad call. Food creates an acidic environ...
by Dominic
Sat Jul 02, 2016 11:55 am
Forum: Personal Investments
Topic: Parking Downpayment in State Munis?
Replies: 7
Views: 1137

Re: Parking Downpayment in State Munis?

National munis are a better choice. They're more diversified, you can get short term funds, and it's unlikely that the state tax exemption is worth the risk unless you're in a very high state tax bracket. Vanguard's limited term tax exempt fund is probably your best bet -- the yield is good and it's...