Search found 281 matches

by catalina355
Sun Sep 16, 2018 6:20 pm
Forum: Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 5772

Re: Total Bond or Total Bond/short-term

VG short term bond index is down a tiny bit ytd. If you want to have some diversity from Total Bond why not Prime Money Market paying 2.10%? I have a large allocation to fixed income in retirement. I diversify my fixed income with short term bond funds and CDs, etc. But, if you are in the accumulat...
by catalina355
Sun Sep 16, 2018 6:17 pm
Forum: Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 5772

Re: Total Bond or Total Bond/short-term

If RMDs are coming up in 6 years and the IRA contains only Total Bond, would you exchange some of the Total Bond to Short Term Bond Index now? What proportion of short term to intermediate term would be reasonable given ongoing RMDs and hopefully a 25 year retirement? If it were me, I'd probably ha...
by catalina355
Sun Sep 16, 2018 6:15 pm
Forum: Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 5772

Re: Total Bond or Total Bond/short-term

Right now my wife and I have only VG Total Bond Index in our IRAs and we are taking RMDs. I'm thinking of moving 3 years worth either to the Short-Term Bond Index or to a 3 year brokered CD ladder (with the principal for each rung the same as the anticipated RMDs). As each year's CD matured, I woul...
by catalina355
Sat Sep 15, 2018 5:59 pm
Forum: Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 5772

Re: Total Bond or Total Bond/short-term

If RMDs are coming up in 6 years and the IRA contains only Total Bond, would you exchange some of the Total Bond to Short Term Bond Index now? What proportion of short term to intermediate term would be reasonable given ongoing RMDs and hopefully a 25 year retirement? If it were me, I'd probably ha...
by catalina355
Sat Sep 15, 2018 3:34 pm
Forum: Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 5772

Re: Total Bond or Total Bond/short-term

What this means for the individual investor is that we should expect most bonds, regardless of duration, to provide similar risk-adjusted returns going forward. Short-term bonds will have lower returns than long-term bonds because they are less risky. Just as we understand that its reasonable to ad...
by catalina355
Thu Sep 13, 2018 10:02 pm
Forum: Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 7091

Re: Vanguard is requiring cell phone security codes - problem for international travel

I’m just not seeing the drama here. — It’s good practice (essential, even) to implement 2FA on all important logins. I assume if you have money at vanguard, it’s an important login, right? — While hacking your cell phone number and getting ownership transferred to intercept 2FA texts is possible, i...
by catalina355
Mon Sep 03, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24559

Re: Decent compensation to move to Bay Area CA?

If you would like to discuss Silicon Valley compared to London I would be happy to oblige as I have lived in both. I notice you are comparing the Bay Area and not Silicon Valley which was brought up in the original post. The OP talks about both Bay Area and Silicon Valley (the thread subject refers...
by catalina355
Sun Sep 02, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24559

Re: Decent compensation to move to Bay Area CA?

If you would like to discuss Silicon Valley compared to London I would be happy to oblige as I have lived in both. I notice you are comparing the Bay Area and not Silicon Valley which was brought up in the original post. The OP talks about both Bay Area and Silicon Valley (the thread subject refers...
by catalina355
Sun Sep 02, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24559

Re: Decent compensation to move to Bay Area CA?

Folks, Bay Area Working Culture -> Lack of work-life balance. A) Do you travel for business during the non-working day? B) Are you expected to work more than 40 hours per week? C) Are you expected to respond to business email, phone, text after office hour? D) Do you carry a pager? Aka, on-call? Kl...
by catalina355
Sun Sep 02, 2018 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24559

Re: Decent compensation to move to Bay Area CA?

+1 Could not agree more about the lack of culture in Silicon Valley. Doesn't begin to compare to Paris or London. Or Berlin, Munich, Lisbon or any other of a number of cities. The SF Bay Area has the SF Symphony, Ballet, and Opera. Great theater in Berkeley. Two of the very best major universities ...
by catalina355
Sun Sep 02, 2018 2:07 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24559

Re: Decent compensation to move to Bay Area CA?

+1 Could not agree more about the lack of culture in Silicon Valley. Doesn't begin to compare to Paris or London. Or Berlin, Munich, Lisbon or any other of a number of cities. The SF Bay Area has the SF Symphony, Ballet, and Opera. Great theater in Berkeley. Two of the very best major universities ...
by catalina355
Tue Aug 28, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24559

Re: Decent compensation to move to Bay Area CA?

My take on the prices is that if you compare to other HCOL bay area is nothing special. People exasperated by prices are usually the ones coming from middle of nowhere or anchored in the past when everything was 10X cheaper. Not the ones coming from Shanghai or Hong Kong or London or Paris. +1. No ...
by catalina355
Mon Aug 27, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24559

Re: Decent compensation to move to Bay Area CA?

3. No doubt that earning potential is higher in the Bay Area, but doing some quick googling of data tells me that "normal" people aren't making $350k per year in the Bay Area either. I have no doubt that elite software developers, etc, make that, but looking at Glassdoor, I don't see any senior lev...
by catalina355
Mon Aug 27, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24559

Re: Decent compensation to move to Bay Area CA?

My take on the prices is that if you compare to other HCOL bay area is nothing special. People exasperated by prices are usually the ones coming from middle of nowhere or anchored in the past when everything was 10X cheaper. Not the ones coming from Shanghai or Hong Kong or London or Paris. +1. No ...
by catalina355
Mon Aug 27, 2018 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24559

Re: Decent compensation to move to Bay Area CA?

My take on the prices is that if you compare to other HCOL bay area is nothing special. People exasperated by prices are usually the ones coming from middle of nowhere or anchored in the past when everything was 10X cheaper. Not the ones coming from Shanghai or Hong Kong or London or Paris. +1. No ...
by catalina355
Mon Aug 20, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 20234

Re: Remind me (again) how real estate isn't a GREAT investment?

No it isn't. Housing is a REAL asset which produces INCOME. Bitcoin is an imaginary currency which produces NO INCOME. Investing in paper (Netflix) does not produce any income (I don't count a 2% dividend as income). I have never used the word "easy". You did. I have two properties which I pulled o...
by catalina355
Sun Aug 19, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 20234

Re: Remind me (again) how real estate isn't a GREAT investment?

RE absolutely can be an amazing investment, but WanderingDoc's hyperbole about how many "normal" people out there do it with amazing results and the suggestion that anybody can do it and be FI in 5yrs... This is EXACTLY the same as a person coming on here who bought bitcoin or Netflix 5 years ago a...
by catalina355
Sun Aug 19, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 20234

Re: Remind me (again) how real estate isn't a GREAT investment?

RE absolutely can be an amazing investment, but WanderingDoc's hyperbole about how many "normal" people out there do it with amazing results and the suggestion that anybody can do it and be FI in 5yrs... This is EXACTLY the same as a person coming on here who bought bitcoin or Netflix 5 years ago a...
by catalina355
Sat Aug 18, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 20234

Re: Remind me (again) how real estate isn't a GREAT investment?

Hey All, I've been a BH'er for almost a decade now. My self taught education through this forum/others has essentially brought me to a Boglehead style investing model, I have used the lazy 3 fund portfolio with basic rules about taxable accounts/all that for many years and it's gone GREAT and I hav...
by catalina355
Mon Jul 09, 2018 12:07 pm
Forum: Personal Investments
Topic: What bond funds do you use for taxable accounts?
Replies: 20
Views: 4157

Re: What bond funds do you use for taxable accounts?

What bond funds would you use for a taxable account for a high tax bracket investor? Intermediate-Term Tax-Exempt is the most similar in risk to Total Bond Market, so it should be the default holding. If Vanguard has a fund for your state, you might put half your bonds in that state's long-term fun...
by catalina355
Sun Jul 08, 2018 6:57 pm
Forum: Personal Investments
Topic: What bond funds do you use for taxable accounts?
Replies: 20
Views: 4157

Re: What bond funds do you use for taxable accounts?

What bond funds would you use for a taxable account for a high tax bracket investor? Intermediate-Term Tax-Exempt is the most similar in risk to Total Bond Market, so it should be the default holding. If Vanguard has a fund for your state, you might put half your bonds in that state's long-term fun...
by catalina355
Sun Jul 08, 2018 6:32 pm
Forum: Personal Investments
Topic: Tax-exempt muni bond mix vs. CA intermediate-term tax-exempt muni-bond fund
Replies: 20
Views: 3362

Re: Tax-exempt muni bond mix vs. CA intermediate-term tax-exempt muni-bond fund

I recently switched from intermediate-term tax-exempt to Treasuries in my taxable account. You can see the thread full thread below, but basically: if you compare after-tax yields you don't get much for taking on muni or state-specific risk these days, especially in CA (high taxes) - caveats: I'm i...
by catalina355
Tue Jul 03, 2018 7:23 pm
Forum: Personal Investments
Topic: Retirement Portfolio Withdrawals
Replies: 21
Views: 2489

Re: Retirement Portfolio Withdrawals

As mentioned earlier. You could create a reliable income stream with an SPIA (annuity). Get rates here: https://www.immediateannuities.com If your portfolio is not large enough to meet your retirement income needs at a 4% annual withdrawal rate, then it might be something to think about. You can do...
by catalina355
Tue Jul 03, 2018 12:40 pm
Forum: Personal Investments
Topic: Retirement Portfolio Withdrawals
Replies: 21
Views: 2489

Re: Retirement Portfolio Withdrawals

Given that about half of your needed withdrawals will be coming from interest/dividends in your taxable accounts, I agree with your original thought that you don’t need as large a cash cushion. If your goal is a 5 year cushion, then maybe 3 years in cash? As you said, dividends/interest are subject...
by catalina355
Sun Jul 01, 2018 9:38 pm
Forum: Personal Investments
Topic: Retirement Portfolio Withdrawals
Replies: 21
Views: 2489

Re: Retirement Portfolio Withdrawals

It isn’t clear what portions of your portfolio are in taxable and tax-deferred accounts, and if the interest/dividends you are referring to are coming from taxable or tax-deferred. It could make a difference in terms of answering your question. Thank you. I will add that information to my original ...
by catalina355
Sun Jul 01, 2018 9:36 pm
Forum: Personal Investments
Topic: Retirement Portfolio Withdrawals
Replies: 21
Views: 2489

Re: Retirement Portfolio Withdrawals

I am currently keeping about 24 months of expenses in High Yield Checking at 1.95% and Short Term Bonds 3.18% at a 50/50 ratio. This works well for me to sleep at night and not worry about selling in a down market. Once I start Social Security I will be able to lower the amount needed to carry me f...
by catalina355
Sun Jul 01, 2018 9:24 pm
Forum: Personal Investments
Topic: Retirement Portfolio Withdrawals
Replies: 21
Views: 2489

Re: Retirement Portfolio Withdrawals

I don’t see an advantage in keeping 80% of your short term cash needs in a short term bond fund instead of a Prime Money Market Fund. The yield differential is very small and there is zero NAV risk if held in a MM fund. After taxes Prime MM is 1.3% while ST Bond Index 2.1% due to the latter not bei...
by catalina355
Sun Jul 01, 2018 9:18 pm
Forum: Personal Investments
Topic: Retirement Portfolio Withdrawals
Replies: 21
Views: 2489

Re: Retirement Portfolio Withdrawals

Everyone is different. It depends on the reliability, adequacy, and diversification of income streams, total assets, and diversification of those assets. For example: someone with a sizable pension, 401k, IRA, SS, etc, that more than meets their retirement needs is less dependent on the income stre...
by catalina355
Sun Jul 01, 2018 6:57 pm
Forum: Personal Investments
Topic: Retirement Portfolio Withdrawals
Replies: 21
Views: 2489

Retirement Portfolio Withdrawals

Jonathan Clements in the Safety Net section of his guide suggests "Earmarking five years of portfolio withdrawals in a cash cushion that’s stashed in savings accounts, certificates of deposit, short-term bonds and similar investments." In reading some of the other threads that have touched on this t...
by catalina355
Sun Jun 10, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Source of objective assessment of Medicare B,C,D
Replies: 33
Views: 2469

Re: Source of objective assessment of Medicare B,C,D

When you turn 65, you are usually eligible for Medicare. Some folks stay on an employer plan, but then may have problems switching to Medicare supplemental plans if they later have pre-existing conditions. If you sign up for Medicare and defer Part B, and instead stay on your employer plan, once yo...
by catalina355
Sun Jun 10, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Source of objective assessment of Medicare B,C,D
Replies: 33
Views: 2469

Re: Source of objective assessment of Medicare B,C,D

When you turn 65, you are usually eligible for Medicare. Some folks stay on an employer plan, but then may have problems switching to Medicare supplemental plans if they later have pre-existing conditions. If you sign up for Medicare and defer Part B, and instead stay on your employer plan, once yo...