Search found 754 matches

by spdoublebass
Fri Sep 04, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 16
Views: 752

Re: Tiaa Traditional: PreTax or Roth?

This must be something specific to your organization's plan. I have had retirement accounts with TIAA for the past two decades and the employer contributions and employee contributions have been in different accounts with my own choice of funds and allocations of contributions. This is important be...
by spdoublebass
Fri Sep 04, 2020 9:16 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 16
Views: 752

Re: Tiaa Traditional: PreTax or Roth?

I'm curious though is they treat Roth vs Pretax contributions to Traditional differently. I don't see why they would. You should note that there are several different varieties of TIAA Traditional which have different options, rates, and restrictions, whether they are in Roth or pretax. I would say...
by spdoublebass
Fri Sep 04, 2020 8:47 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 16
Views: 752

Re: Tiaa Traditional: PreTax or Roth?

That is absolutely nuts. I hate TIAA with a passion... except for TIAA Traditional Annuity, which I love. Roth vs Traditional is purely an account-level designation that determines how withdrawals are taxed. Whether an account is Roth, Traditional, or mixed should not affect the investments inside ...
by spdoublebass
Fri Sep 04, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 16
Views: 752

Re: Tiaa Traditional: PreTax or Roth?

I also am aware of the fact that TIAA does not let you choose a different AA for your PreTax and Roth 403b. I don't understand. You have different "accounts" for regular 403b and Roth 403b, right? No. I'm sorry I wasn't clear. I do not have a Roth 403b. I've read on the forum about some i...
by spdoublebass
Fri Sep 04, 2020 7:13 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 16
Views: 752

Tiaa Traditional: PreTax or Roth?

I recently asked a different question on TIAA Traditional found here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=321889 I also am aware of the fact that TIAA does not let you choose a different AA for your PreTax and Roth 403b. My question is more basic. My wife and I are in the 12% ta...
by spdoublebass
Sun Aug 30, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: AAA dropping Renters insurance for NY residents
Replies: 21
Views: 1463

Re: AAA dropping Renters insurance for NY residents

talzara wrote: Sun Aug 30, 2020 10:45 am
Until the OP identifies the underwriter, it is not clear what is actually happening.
I do not see anything listed as an underwriter.

All I see is thi:
CSAA Fire & Casualty Insurance Company

But this is a company in CA.
by spdoublebass
Sat Aug 29, 2020 11:01 pm
Forum: Investing - Theory, News & General
Topic: The 3 Simple Rules of Investing - Book Summary
Replies: 2
Views: 760

Re: The 3 Simple Rules of Investing - Book Summary

Nice summary. In regard to your signature, 15% I Bonds, 15% EE Bonds.... I'm just curious: 1. Do you max out your tax deferred space? or do you not care if you have because of your stance on not rebalancing you do not need bonds in your tax deferred space to rebalance? 2. Have you thought about late...
by spdoublebass
Sat Aug 29, 2020 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: AAA dropping Renters insurance for NY residents
Replies: 21
Views: 1463

Re: AAA dropping Renters insurance for NY residents

This is the first that I have heard of this.n Do you know why AAA has discontinued renters insurance in NY? No clue. I'm pretty bummed out. When I switched to AAA they really saved me a lot of money. My policy isn't up until late October. I just got the letter in the mail yesterday. I'm really no e...
by spdoublebass
Sat Aug 29, 2020 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: AAA dropping Renters insurance for NY residents
Replies: 21
Views: 1463

Re: AAA dropping Renters insurance for NY residents

I have State Farm for my NYC apartment. I pay annually and don't even remember the cost because it's so small. $150 to $300, somewhere in that range.The dollar amount coverage for clothing/furniture/items/electronics exceeds the cost of all of our stuff. Well, some of our vinyl records are essentia...
by spdoublebass
Sat Aug 29, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: AAA dropping Renters insurance for NY residents
Replies: 21
Views: 1463

Re: AAA dropping Renters insurance for NY residents

Renter with USAA here. They seem to have good coverage. I'm insured up to $50,000. I haven't submitted the claim yet, but my daughter submitted a claim to USAA a couple years ago. She got full reimbursement for her stolen camera. I didn’t realize USAA is military related. While my father did serve ...
by spdoublebass
Sat Aug 29, 2020 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: AAA dropping Renters insurance for NY residents
Replies: 21
Views: 1463

AAA dropping Renters insurance for NY residents

I just got a letter saying that AAA is dropping renters insurance for all NY residents. I searched the forum for other companies. I've seen lemonade.com recommended and also USAA. I'd like to keep AAA for my car insurance if possible and just get renters insurance someplace else. What I'm looking fo...
by spdoublebass
Mon Aug 24, 2020 2:29 am
Forum: Personal Finance (Not Investing)
Topic: Quit corporate job @ age 34 with $1.3M?
Replies: 225
Views: 23058

Re: Quit corporate job @ age 34 with $1.3M?

What's you side hustle that you want to do? If you don't want to state it that's fine, but is it something that you really want to do? Do you want to do it until you can't work anymore? or would you do it until you can retire and stop working? If you leave a good paying job to do a more tolerable on...
by spdoublebass
Thu Aug 20, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How to evaluate risk of prospective tenants?
Replies: 38
Views: 2401

Re: How to evaluate risk of prospective tenants?

I heard a landlord once say that you should check out the inside of a persons car when they arrive. If its a mess, thats the way they're going to treat your rental. I’ve always heard this too. Even for a job interview I knew people who would find a way or send someone out to look in through the win...
by spdoublebass
Wed Aug 19, 2020 4:44 am
Forum: Personal Finance (Not Investing)
Topic: How to evaluate risk of prospective tenants?
Replies: 38
Views: 2401

Re: How to evaluate risk of prospective tenants?

You are correct with your assessment. I’m also not a big time Boglehead that gives advice, so please realize that fact. However, I wanted to chime in. My guess is they aren’t reporting all of their income. I’m not advocating for not reporting income, I’m just trying to say people do it all the time....
by spdoublebass
Mon Aug 17, 2020 4:31 am
Forum: Investing - Theory, News & General
Topic: Ford dropped from VYM (Vanguards High Dividend Yield)?
Replies: 4
Views: 541

Re: Ford dropped from VYM (Vanguards High Dividend Yield)?

Ford suspended their dividend in March. Your link shows their last dividend was paid in January. "No dividends since January" isn't "high dividend". https://www.cnbc.com/2020/03/19/ford-suspends-dividend-withdraws-2020-guidance-due-to-coronavirus.html Oh. Thanks. That’s what I w...
by spdoublebass
Mon Aug 17, 2020 3:57 am
Forum: Investing - Theory, News & General
Topic: Ford dropped from VYM (Vanguards High Dividend Yield)?
Replies: 4
Views: 541

Re: Ford dropped from VYM (Vanguards High Dividend Yield)?

AlohaJoe wrote: Mon Aug 17, 2020 3:41 am Ford doesn't pay a dividend. Why would you expect it to be in a high dividend fund?
What?
Ford has a 6.39% TTM right now.

https://www.morningstar.com/stocks/xnys/f/dividends
by spdoublebass
Mon Aug 17, 2020 3:17 am
Forum: Investing - Theory, News & General
Topic: Ford dropped from VYM (Vanguards High Dividend Yield)?
Replies: 4
Views: 541

Ford dropped from VYM (Vanguards High Dividend Yield)?

I do not own VYM or Ford in my portfolio.

I'm just curious, was Ford dropped from VYM? I do not see it listed in the portfolio holdings.
What would cause it to be dropped?
by spdoublebass
Sun Aug 16, 2020 7:39 pm
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1784

Re: TIAA Question

I just wanted to say thanks again for all the replies in this thread. I looked through everything and even called TIAA just to confirm a few things. I had to laugh because the woman who took my call was very nice but said "why are you worried about this stuff now at 37?" She meant it in a ...
by spdoublebass
Fri Aug 14, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: [How does one fight the urge to make simple things more complex?]
Replies: 82
Views: 5323

Re: [How does one fight the urge to make simple things more complex?]

Yes, I think people "want" to do something. However, there is nothing I can do (besides save and invest properly as defined by my IPS) that will improve my returns. No matter how bad I want to. Once thing that helped me is this: I do spend a lot of time (mostly for fun, or I learn somethin...
by spdoublebass
Thu Aug 13, 2020 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Renters Insurance--Campus Housing
Replies: 6
Views: 407

Re: Renters Insurance--Campus Housing

Just thought I'd chime in. Renters insurance for me was around $11 a month. It included all my electronics (laptop, phone, etc). Apple Care (insurance for your phone or device) is $10. So I just have renters insurance and dropped apple care. Everything else covered by renters insurance I look at as ...
by spdoublebass
Thu Aug 06, 2020 12:33 am
Forum: Personal Investments
Topic: Roth IRA Direction Reassessment
Replies: 12
Views: 1075

Re: Roth IRA Direction Reassessment

What tax efficiency? It’s a Roth IRA. There are no taxes. As for VTWAX or VIG/VYM.... this is not a good comparison. One has international the others don’t. You could compare VTSAX to VIG/VYM. That would be a better comparison. Why the Reach for dividends? You should search the forum for dividend vs...
by spdoublebass
Tue Aug 04, 2020 1:21 pm
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1784

Re: TIAA Question

It may help a little to know that in more ordinary interest rate times ... ... there was a vivid payoff for putting money into a less-liquid TIAA Traditional option. The less-liquid accounts used to, routinely, pay a (varying) bonus of 0.5% to 1.0% higher annual interest rate than the liquid option...
by spdoublebass
Mon Aug 03, 2020 2:08 pm
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1784

Re: TIAA Question

I’ve read the threads on TIAA. I understand RA vs GRSA. I have one specific question. When people have a GRSA Account, they often say you can Annuitize later. So for example someone could put money into the Equity index, then before retirement shift that money over to Traditional and annuitize it. ...
by spdoublebass
Mon Aug 03, 2020 2:03 pm
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1784

Re: TIAA Question

Also, there are more varieties of Traditional than have been mentioned in this thread: RA, GRA, RC, SRA, GSRA, RCP. This may be relevant because you mentioned working for five different universities. You'll need to pay attention to the which version of Traditional is being offered, since they have ...
by spdoublebass
Mon Aug 03, 2020 1:59 pm
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1784

Re: TIAA Question

https://collegeretirement.blogspot.com/2011/09/is-tiaa-traditional-good-deal.html https://www.tiaainstitute.org/publication/performance-tiaas-traditional-retirement Also, TIAA offers annuities other than Traditional, including CREF Stock and TIAA Real Estate, both of which are variable annuities. I...
by spdoublebass
Mon Aug 03, 2020 1:56 pm
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1784

Re: TIAA Question

The issue with TIAA Traditional annuity is that it's illiquid. No lump-sum withdraws are allowed, not even in retirement. While they do provide liquidity to meed RMD requirements, the only other way one can withdraw is evenly over a ten year period. In the event a large amount for an emergency extr...
by spdoublebass
Mon Aug 03, 2020 10:57 am
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1784

Re: TIAA Question

The issue with TIAA Traditional annuity is that it's illiquid. No lump-sum withdraws are allowed, not even in retirement. While they do provide liquidity to meed RMD requirements, the only other way one can withdraw is evenly over a ten year period. In the event a large amount for an emergency extr...
by spdoublebass
Mon Aug 03, 2020 10:43 am
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1784

TIAA Question

I’ve read the threads on TIAA. I understand RA vs GRSA. I have one specific question. When people have a GRSA Account, they often say you can Annuitize later. So for example someone could put money into the Equity index, then before retirement shift that money over to Traditional and annuitize it. M...
by spdoublebass
Fri Jul 31, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: Lost duodecade in international (ASWX, VEU, CWI)
Replies: 95
Views: 4898

Re: Lost duodecade in international (ASWX, VEU, CWI)

Ten years is a blink of an eye in equity investing terms. That depends on where each investor is in their journey. That doesn't matter. What if an investor started with a US only index in 2001, gave up on it and switched to international in 2010? I find it hilarious how you guys think the US only i...
by spdoublebass
Tue Jul 28, 2020 11:43 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2048
Views: 251620

Re: Post your Financial Milestone Announcements Here

Sometimes I feel like a very small fish swimming with sharks when I read this forum. I couldn’t be more grateful though. It’s been a fountain of knowledge and guidance. I finally paid off my credit card. I still can’t really believe it. My wife and I are both full time musicians. When Covid hit I pl...
by spdoublebass
Mon Jul 27, 2020 10:59 pm
Forum: Investing - Theory, News & General
Topic: Smarter approach to "emergency funds"?
Replies: 161
Views: 23646

Re: Smarter approach to "emergency funds"?

Even if you were INSANELY unlucky and invested at a market peak, an immediate 15% drop would still leave you with more than six months worth of expenses if you were again INSANELY unlucky enough to need the money right at the market bottom. I did that January 2nd 2020. I place 50% of my emergency f...
by spdoublebass
Mon Jul 27, 2020 1:11 am
Forum: Personal Investments
Topic: Bonds worth it?
Replies: 137
Views: 9438

Re: Bonds worth it?

You only get the 3.5% rate if you hold it the full 20 years. Hold it for 19 years and sell and you get almost no return at all. Hold EE Bonds for 15 years and you'd have to find an investment that would guarantee you 12.25% to make it worth cashing your EE Bond out early, and at 19 years that numbe...
by spdoublebass
Mon Jul 20, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1259
Views: 139515

Re: Jack Bogle - Two Fund Portfolio

bck63, I sold my last individual stock not quite two years ago, am 100% index funds and have never felt better about my financial life. It would be nice to get to that point for me, but I hold many individual stocks that have done much better than my index funds/etfs. The stocks that don't do bette...
by spdoublebass
Mon Jul 20, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: [Average return for 100/0, 70/30 asset allocation]
Replies: 345
Views: 19568

Re: [Average return for 100/0, 70/30 asset allocation]

How does the historical studies applies to our current condition? We have close to 50 million unemployed and 1+ newly unemployed every week. This is unprecedented. It breaks all historical records. KlangFool I know what you mean by pointing out the current level of unemployment. It should also be p...
by spdoublebass
Mon Jul 20, 2020 10:37 am
Forum: Investing - Theory, News & General
Topic: [Average return for 100/0, 70/30 asset allocation]
Replies: 345
Views: 19568

Re: [Average return for 100/0, 70/30 asset allocation]

How does the historical studies applies to our current condition? We have close to 50 million unemployed and 1+ newly unemployed every week. This is unprecedented. It breaks all historical records. KlangFool I know what you mean by pointing out the current level of unemployment. It should also be p...
by spdoublebass
Mon Jul 20, 2020 12:49 am
Forum: Personal Investments
Topic: Asset Allocation for short term?
Replies: 10
Views: 807

Re: Asset Allocation for short term?

As stated above, it kind of depends on what it's for. I have an AA that I invest 20% in stock for something in 7 years, but If I'm short, it's not life or death I don't have to sell. I have another account in all safe investments (CD's, Bonds, Etc.) for a vacation I promised my wife net summer. I do...
by spdoublebass
Mon Jul 20, 2020 12:36 am
Forum: Personal Investments
Topic: Why make a written financial plan?
Replies: 39
Views: 2524

Re: Why make a written financial plan?

I thought it was odd too in the beginning. Writing it down helped me sort out what I wanted to do. It is short, not long. Few sentences. One rule I do like that I took from the forum is if I have the urge to change my plan, I have to wait a month. (I'm not talking about buying a dip or things like t...
by spdoublebass
Sat Jun 27, 2020 12:10 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 249
Views: 54092

Re: Bill Sharpe's preferred portfolio

I made the following using Google Sheets to track the current values of Sharpe's World Bond-Stock Fund proxies: 2-ETF Proxy (VT, BND) 4-Fund Proxy (VTSAX, VTIAX, VBTLX, VTABX) The backing spreadsheet projects the factsheet marketcaps forward to current time using current price and dividend history....
by spdoublebass
Thu May 28, 2020 12:15 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 534
Views: 57364

Re: I don't understand the case for EE bonds

Bumping an older thread, but are the annual purchase limits for each series imposed based on original purchase amount, or value at initial maturity (AKA "face value")? If I wanted to purchase up to the $10,000 limit for EE bonds in calendar year 2020, would I be spending $10,000 out of po...
by spdoublebass
Fri May 08, 2020 1:44 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 319
Views: 48586

Re: I’m still not a fan of international bond funds

This has been a good thread in reviewing the responses over the past couple of years. Since the thread was started, the yield of Total International Bond is now 0.48%. Considering their low yield, what do you think has led to international bonds outperformance of the TBM since their inception on 6/...
by spdoublebass
Sat May 02, 2020 12:51 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 45037

Re: Why international?

I wish we could get a little past this debate. I respect Mr. Larimore a ton. When I first joined this forum I asked the usual first timer questions, he chimed in on a few of them and was spot on. I believe his 3-fund portfolio is really the standard. I think for an average Joe, it really is all I n...
by spdoublebass
Fri May 01, 2020 11:59 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 45037

Re: Why international?

This is exactly why I make a stink on here. Young investors need to see how the anti-international crowd's arm chair expertise is silly. All it really boils down to is recency bias and performance chasing. They hide behind the veil of "Jack said so" and call it good. I wonder what those p...
by spdoublebass
Fri May 01, 2020 12:25 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 45037

Re: Why international?

Vineviz, I think I read somewhere in the posts that you do not hold international bonds and you think Vanguard recommends them because they are good for Vanguard more than the individual investor. I don’t have your post in front of me, but that was my interpretation. Why not the same thinking on yo...
by spdoublebass
Tue Apr 28, 2020 1:02 pm
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 927
Views: 69909

Re: First 20% of bonds in long-term Treasuries

This thread is great and I have enjoyed following it. One thing I struggle with on this forum is figuring out what issues/discussions pertain to me and which do not. Do EE bonds become less attractive If you are still working on maxing out your Roth and Tax deferred space? Is the rule of thumb to co...
by spdoublebass
Sun Apr 26, 2020 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Quarantined Musician with Financial Questions
Replies: 24
Views: 1727

Re: Quarantined Musician with Financial Questions

5. You're 6 weeks into a financial downtown. I fail to see how this should irrevocably change your career. Our governor recently announced that we won't have concerts again until the fall of 2021. :-/ That's a long time to wait for an uncertain future. But believe me, I want to be an optimist. Perf...
by spdoublebass
Wed Apr 22, 2020 7:51 pm
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 927
Views: 69909

Re: First 20% of bonds in long-term Treasuries

A few questions from someone who has followed this whole thread. Feel free to be frank and speak in layman terms, I will not be offended. 1. Having read a lot of this forum, it seems most people toy around with the idea of holding TBM or possibly LTT when they want to go longer and then either BSV (...
by spdoublebass
Tue Apr 21, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: Does anyone use global cap weight plus a set domestic tilt for equities?
Replies: 64
Views: 2695

Re: Does anyone use global cap weight plus a set domestic tilt for equities?

So far the responses don't indicate anyone doing anything like what I described. I think I do what you described. I couldn't decide on a 100% US or 100% Global portfolio. It drove me crazy even though I knew both would probably be ok in the end. What I ended up with after reading Sharpe and Siamond...
by spdoublebass
Mon Apr 20, 2020 10:44 am
Forum: Personal Investments
Topic: Extension on IRA contributions
Replies: 21
Views: 1498

Re: Extension on IRA contributions

Can someone spell this out for me...

Can we contribute to Individual 401K's until April 15 or July 15 2020, for 2019?

Thank you
by spdoublebass
Mon Apr 20, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Risk Reward of Long Term v Intermediate Treasuries at current rates?
Replies: 155
Views: 8709

Re: Risk Reward of Long Term v Intermediate Treasuries at current rates?

I understand why there is so much scrutiny when deciding between ST, IT, or LT in regards to treasury bond funds. What I don't get is why EE bonds are not considered more.I see the YTM chart for EE bonds posted on the forum a lot, but it seems constantly disregarded. I only bring this up because No...
by spdoublebass
Sun Apr 19, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: Risk Reward of Long Term v Intermediate Treasuries at current rates?
Replies: 155
Views: 8709

Re: Risk Reward of Long Term v Intermediate Treasuries at current rates?

Yes, you will have $122 in nominal dollars from the LTT if rates are unchanged. However, at you stated inflation is now 3%, so perhaps the LTT is at now at 4 or 5%. Each year, the LTT treasury is going to be reinvesting 1% into new bonds that yield 4% (or whatever the market decides the rate should...