Search found 3401 matches

by hudson
Thu Sep 17, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 414
Views: 73446

Re: Bonds - Throw it all on the table!!!

BigJohn, What kind of TIPS did you get? Funds, ETFs, individual? Vanguard mutual funds. I understand the potential benefits from a ladder of individual TIPS but one on my retirement investment principles is simplicity to account for the inevitable mental decline we all experience. So I choose not t...
by hudson
Thu Sep 17, 2020 6:07 pm
Forum: Personal Investments
Topic: Brokered CDs from Vanguard.
Replies: 42
Views: 4053

Re: Brokered CDs from Vanguard.

Many thanks Kevin!
More capital gains might take me over one of those dreaded cliffs.
again...
by hudson
Thu Sep 17, 2020 5:51 pm
Forum: Personal Investments
Topic: Brokered CDs from Vanguard.
Replies: 42
Views: 4053

Re: Brokered CDs from Vanguard.

With those 3+% brokered CDs it's tempting to sell them.
For me, it's more tempting to hold em and take the monthly income for a few more years.
Capital gains give me heartburn.
The rule of thumb was if you buy brokered CDs, you should hold them until maturity.
by hudson
Thu Sep 17, 2020 5:46 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 414
Views: 73446

Re: Bonds - Throw it all on the table!!!

BigJohn,
What kind of TIPS did you get? Funds, ETFs, individual?
by hudson
Wed Sep 16, 2020 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: new car - 0% interest loan ?
Replies: 27
Views: 1753

Re: new car - 0% interest loan ?

I'm in the market for a new vehicle. Looking at spending about $28,000 for a Subaru Outback. Looks like a 0% loan is on offer. I have the cash to pay in full, but with a no-interest loan, I'm considering whether I should take the loan and from a cash-flow standpoint, leave the $28,000 in my brokera...
by hudson
Tue Sep 15, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: What is the best company for auto/property/renters/umbrella insurance?
Replies: 36
Views: 3235

Re: What is the best company for auto/property/renters/umbrella insurance?

How would one properly educate themselves on all of these factors if they were shopping for insurance, outside of going through an agent? I haven't found a way....if there's an answer it will likely pop up here. The experience of one.... I've been with State Farm, USAA, Nationwide, GEICO, and now a...
by hudson
Tue Sep 15, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: Federal Reserve scraps transfer count limits on savings accounts
Replies: 56
Views: 5743

Re: Federal Reserve scraps transfer count limits on savings accounts

A Penfed representative just told me that they still have the 6 transfer limit on savings account...no change.
by hudson
Sun Sep 13, 2020 4:23 pm
Forum: Personal Investments
Topic: Cash on hand for two year horizon - suggested placement
Replies: 6
Views: 693

Re: Cash on hand for two year horizon - suggested placement

For such a short time horizon, do you recommend I move this money into some sort of inflation protected security? Savings accounts and CD rates are extremely low based on my investigations, around 0.02%. Thank you for the suggestions! LyrehcLover, I would skip TIPS. You could lose money. I speculat...
by hudson
Sun Sep 13, 2020 5:11 am
Forum: Investing - Theory, News & General
Topic: Words of Wisdom William Bernstein_chat w/Ben Carlson
Replies: 82
Views: 13119

Re: Words of Wisdom William Bernstein_chat w/Ben Carlson

ilan1h, In 2008 I got out of stocks and have been 0/100 ever since. I like it here. So you never once had FOMO over the last 11 years of equity bull market returns? Has your investing life been entirely during this multi decade, about 40 years, bond bull market? I think, and I'm not at all alone, t...
by hudson
Sat Sep 12, 2020 6:32 pm
Forum: Investing - Theory, News & General
Topic: Words of Wisdom William Bernstein_chat w/Ben Carlson
Replies: 82
Views: 13119

Re: Words of Wisdom William Bernstein_chat w/Ben Carlson

ilan1h,
In 2008 I got out of stocks and have been 0/100 ever since.
I like it here.
by hudson
Sat Sep 12, 2020 6:26 pm
Forum: Investing - Theory, News & General
Topic: Munis vs. other "safe" investments?
Replies: 35
Views: 2620

Re: Munis vs. other "safe" investments?

Thanks Hudson. If I'm understanding Bernstein's main point: he is referring to monies needed for emergencies and living expenses. I agree that if this money is earmarked for those purposes I would play it safer. However, I already have CD's and cash to cover those basic expenses and therefore the m...
by hudson
Sat Sep 12, 2020 4:18 pm
Forum: Investing - Theory, News & General
Topic: Munis vs. other "safe" investments?
Replies: 35
Views: 2620

Re: Munis vs. other "safe" investments?

I am tempted to forego the state tax advantage and invest in the national interm muni fund instead. Or possibly to veer away from Munis since they already constitute 40% of my net assets. Any advice appreciated. ilan1h, I personally wouldn't go over 40% muni. Here's Bill Bernstein on safe investmen...
by hudson
Fri Sep 11, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13792

Re: Thoughts on Tennessee

Except for 4 years in Kansas and 1 year in Kentucky, I've lived my entire life in TN. A couple of things first, 1) Deliverance was set in North Georgia North Georgia, Western NC, and Eastern TN...same location...all with nice mountains. When Burt Reynolds broke his leg (Wikipedia says that he broke...
by hudson
Thu Sep 10, 2020 4:16 pm
Forum: Personal Investments
Topic: How Are CD Ladders Used in Retirement
Replies: 14
Views: 1942

Re: How Are CD Ladders Used in Retirement

Hi Bogleheads This is a probably dumb question, but here goes. When people refer to using a CD ladder in retirement, how does this work as part of a spending plan. I imagine there are differences between individuals , but what is most typical or recommended? Do they: 1. Upon maturity, spend the pro...
by hudson
Wed Sep 09, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Brother printer 'trips' my battery backups
Replies: 47
Views: 2645

Re: Brother printer 'trips' my battery backups

LiterallyIronic,
I'd unplug everything except the desktop and one monitor. Let the battery fully charge and try again. What happened?
I'd plug the TV and anything else in the non-battery/surge only side of the UPS.
How old is the UPS?
by hudson
Tue Sep 08, 2020 11:35 am
Forum: Personal Investments
Topic: Changing allocation, but too much capital gain
Replies: 14
Views: 850

Re: Changing allocation, but too much capital gain

My wife and I had an allocation of 75% equity in a taxable account with a full service broker. We recently became worried that this allocation was too aggressive (we are both semi-retired and are concerned about over-valuation, covid, the election, etc.) So we asked our broker to reduce the equity ...
by hudson
Mon Sep 07, 2020 3:52 pm
Forum: Personal Investments
Topic: Muni Bonds and Risk (VWIUX)
Replies: 29
Views: 2730

Re: Muni Bonds and Risk (VWIUX)

I actually just sold all my VWIUX last week, I was up about 6-7% and since I'm in the 22% tax bracket I really had no good reason to hold muni's. My employer bond offerings were just ok that's why I justified holding VWIUX, great fund for high earners. You can still come out ahead with VWIUX in the...
by hudson
Mon Sep 07, 2020 3:34 pm
Forum: Personal Investments
Topic: Muni Bonds and Risk (VWIUX)
Replies: 29
Views: 2730

Re: Muni Bonds and Risk (VWIUX)

I have invested heavily in Vanguard's Intermediate Tax-Exempt Fund, VWIUX, it's my primary bond fund (most of my bonds are in a taxable account). Thoughts about additional risks associated with this fund, in light of the coronavirus and massive strain this will put on federal and state coffers? I a...
by hudson
Sat Sep 05, 2020 8:15 am
Forum: Personal Consumer Issues
Topic: Buying guns not an option, what else
Replies: 56
Views: 5255

Re: Buying guns not an option, what else

Thinking about having some form of safety help at home in case of emergency. Not going to buy guns, looking for any other options.... Have been looking at mace, but looks like they are not reliable and have a shelf life. Any suggestions recommendations will be appreciated. annu, It probably doesn't...
by hudson
Thu Sep 03, 2020 11:56 am
Forum: Personal Investments
Topic: Brokered CDs from Vanguard.
Replies: 42
Views: 4053

Re: Brokered CDs from Vanguard.

Okay, thanks for replies. Here is three examples of my brokered cd portofolio 100,000 at 2.80% Bought 2/14/18 Maturity 2/14/25 Discover bank now at $110,000 70,000 at 2.75% Bought 6/26/19 Maturity 6/26/29 Discover Bank now at $82,200 100,000 at 2.95% bought 5/22/19 maturity 5/22/29 Goldman Sachs at...
by hudson
Wed Sep 02, 2020 4:03 pm
Forum: Personal Investments
Topic: Worried about preserving my wealth
Replies: 33
Views: 5211

Re: Worried about preserving my wealth

An amount invested in gold would have been wise, but its too high right now. speer, I don't like gold because it doesn't pay interest. There's also the problem of how to hold it, then how to cash it in. All of that gives me heartburn. I might get a bag of say 100 silver dimes and bury it in the bac...
by hudson
Wed Sep 02, 2020 6:58 am
Forum: Personal Investments
Topic: Worried about preserving my wealth
Replies: 33
Views: 5211

Re: Worried about preserving my wealth

So do you invest primarily in savings, CDs, Treasuries, quality bond funds? Even looking at TIPS, their yields are negative right now Speer, Yes, that's the answer to wealth preservation. I'm 0% stocks and have been since 2008. That passes the sleep test for me. MYGA's and annuities give me heartbu...
by hudson
Mon Aug 31, 2020 8:22 pm
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2362

Re: SEC 30 day yield vs Distribution yield

Thanks again KevinM!
Anything that works is good technique!
by hudson
Mon Aug 31, 2020 7:19 pm
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2362

Re: SEC 30 day yield vs Distribution yield

I think it's incumbent on anyone who doesn't believe that bond premiums being pulled toward par at maturity will eventually result in decreased NAV, unless yields continue to fall, to show us the bond math that can make that happen. Again, a bond fund is just a collection of bonds, so the bond math...
by hudson
Mon Aug 31, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: “Cash is king” sentiment
Replies: 37
Views: 4285

Re: “Cash is king” sentiment

I told a gentleman at work that I had two antique items that I wanted to sell, but I hadn't priced them yet. I wasn't sure where to get the items priced, so a year or more passed. Periodically, he asked me if I'd set a price. I hadn't. One day, he walked in and held up ten 100 dollar bills. I said, ...
by hudson
Mon Aug 31, 2020 4:00 pm
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2362

Re: SEC 30 day yield vs Distribution yield

Most of the above is pretty accurate stuff! Great discussion! I still think that a knowledgeable investor who knows what he's getting into can be served well at the present time by VWITX/VWIUX. Here's some history for VWIUX. On Oct. 15, 2018 Share price $13.87 Nov. 1, 2018 Dividend: .03329 On March ...
by hudson
Mon Aug 31, 2020 6:15 am
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2362

Re: SEC 30 day yield vs Distribution yield

I have an Ally CD maturing on 9/5. zaplunken It looks like SEC yield and distribution yield have been explored pretty well. I don't think anyone has brought up the part where part of VWITX/VWIUX's payout is from the principal. :) That usually comes up in this discussion. The simple answer to that i...
by hudson
Sun Aug 30, 2020 7:01 pm
Forum: Personal Consumer Issues
Topic: replacement car key and fob
Replies: 23
Views: 1608

Re: replacement car key and fob

Consider getting a quote from a locksmith.
by hudson
Sun Aug 30, 2020 6:54 pm
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2362

Re: SEC 30 day yield vs Distribution yield

Zaplunken, I think that VWITX is a good choice for taxable. It's not as safe as an FDIC CD or savings account. I've owned it (VWIUX) for years. I think that it's OK. William Bernstein said that it's OK to hold munis as long as you have some treasuries and CDs to back them up. I watch VWIUX closely; ...
by hudson
Sun Aug 30, 2020 3:06 pm
Forum: Personal Investments
Topic: SEC 30 day yield vs Distribution yield
Replies: 44
Views: 2362

Re: SEC 30 day yield vs Distribution yield

Zaplunken, I use distribution yield with VWIUX...because that's what you are actually paid. I watch it every month. If it goes down far enough, I may or may not move on. Look at Vanguard's formula to figure distribution yield. One of the largest factors is the price. Also look at the amount paid per...
by hudson
Sat Aug 29, 2020 8:02 am
Forum: Investing - Theory, News & General
Topic: How long could you live off your portfolio if the worst happened?
Replies: 110
Views: 10827

Re: How long could you live off your portfolio if the worst happened?

In the OP's worst case, I would have to look at the numbers and reduce spending appropriately. As a retiree, I might consider doing something to generate income. I would sell off the extra stuff that I can live without. I would find a way to make it portfolio or no portfolio. The solution would prob...
by hudson
Sat Aug 29, 2020 6:49 am
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13792

Re: Thoughts on Tennessee

Florida is an obvious option, but I dread the thought of being there from June to September because of the heat and humidity. Hence, I started to look further north, particularly higher-elevation towns in the southeast for the more pleasant summer temperatures. Northeast GA looked intriguing as the...
by hudson
Fri Aug 28, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Brother printer 'trips' my battery backups
Replies: 47
Views: 2645

Re: Brother printer 'trips' my battery backups

You never plug laser printers into a UPS. And the OP isn't, as he clearly stated in his first post AND was conveniently reinforced just two posts above yours. Thanks lazydavid! I screwed up....back to the drawing board. I never had a laser printer trip a UPS that was on the same circuit. It's troub...
by hudson
Fri Aug 28, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Brother printer 'trips' my battery backups
Replies: 47
Views: 2645

Re: Brother printer 'trips' my battery backups

You never plug laser printers into a UPS.
by hudson
Wed Aug 26, 2020 7:41 pm
Forum: Personal Investments
Topic: Tips vs bond fund
Replies: 15
Views: 1178

Re: Tips vs bond fund

I just read the thread about tips vs gold. It seems to me that it is a no brainer that I should replace my total is bond fund (bnd) with a tips bond find. Especially since it is virtually guaranteed that we will experience crippling inflation in the short to mid term future. So what is the downside...
by hudson
Wed Aug 26, 2020 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Advising retired couple on buying second home
Replies: 33
Views: 2852

Re: Advising retired couple on buying second home

Having "1.2 million left" in investments after spending $400K on a house (I believe that number was mentioned somewhere above), plus owning two houses with $1.4M equity and easily living within their means and saving via their $90K/yr. retirement income is hardly a cause for "heartbu...
by hudson
Tue Aug 25, 2020 8:09 pm
Forum: Personal Investments
Topic: Vanguard Funds that offer a monthly payment?
Replies: 27
Views: 3388

Re: Vanguard Funds that offer a monthly payment?

Years ago, I had a friend that wanted to just turn over his holdings to someone who would just send him a check every month. He didn't want to mess with anything. You can lose a lot of money if you go that route. There is actually a good way to do this: buy a single-premium immediate annuity. This ...
by hudson
Tue Aug 25, 2020 11:31 am
Forum: Personal Investments
Topic: Vanguard Funds that offer a monthly payment?
Replies: 27
Views: 3388

Re: Vanguard Funds that offer a monthly payment?

Hey all, I am looking into setting up some form of portfolio for a family member that wants to have monthly payments that they can use for some supplemental income to make up for them leaving a part-time job they held before. They have a nice nest egg, but I don't want them to fall for an annuity p...
by hudson
Tue Aug 25, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Advising retired couple on buying second home
Replies: 33
Views: 2852

Re: Advising retired couple on buying second home

A newly retired couple is looking to buy a second home to be closer to children/grandchildren. The couple has lived in CA for 40 years (30 years in the same house) while their children live on the east coast. What kind of place would you buy and how would you finance it? What other things need to b...
by hudson
Mon Aug 24, 2020 7:17 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 10238

Which yield

Many writers use the term "yield" in isolation and don't define which yield they are talking about.
I can usually figure it out, but I wouldn't have to think as hard if they just named the yield.
by hudson
Mon Aug 24, 2020 7:15 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 10238

Re: A Plea for Ordinary English

My impression is that the biggest obstacle for an inexperienced or less knowledgeable investor reading in this forum is the huge amount of secondary, perhaps technical, often personal preference, often speculative, and sometimes just plain wrong detail from which that investor has to winnow somethi...
by hudson
Mon Aug 24, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Easiest Way to Fax From Computer?
Replies: 19
Views: 1461

Re: Easiest Way to Fax From Computer?

I use faxzero directly from my computer. Just a few pages are free. Lots of pages cost around $2.

https://faxzero.com/
by hudson
Mon Aug 24, 2020 10:39 am
Forum: Personal Investments
Topic: CDs coming due. Where to reinvest proceeds?
Replies: 62
Views: 6211

Re: CDs coming due. Where to reinvest proceeds?

Moneybags1 wrote: Mon Aug 24, 2020 10:16 am
hudson wrote: Mon Aug 24, 2020 5:47 am Rates reduced 8/24/2020. New rate tiers are .95/1.00/1.15
For the record, the quote above is from someone else. I don't know how I got quoted.
by hudson
Mon Aug 24, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money
Replies: 12
Views: 1865

Re: Microsoft Money

You can download the sunset version of Money from Microsoft: https://www.microsoft.com/en-us/download/details.aspx?id=20738 It works just fine on the latest version of Windows 10. I believe that they will keep it alive for a while longer. If not, I've bookmarked this discussion. My plan B would also...
by hudson
Mon Aug 24, 2020 5:47 am
Forum: Personal Investments
Topic: CDs coming due. Where to reinvest proceeds?
Replies: 62
Views: 6211

Re: CDs coming due. Where to reinvest proceeds?

I wouldn't buy an MYGA because I don't think that they are that safe. Maybe as safe as an investment grade corporate bond...maybe not. Assuming you aren't in California, where the insurance guarantee is only for 80% of the value, and you stay within the insurance limits for your state ($250,000 in ...
by hudson
Sun Aug 23, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: Early September Hiking/Camping Vacation. Risk smoky conditions of CO or heat and humidity of Appalachian Mountains?
Replies: 44
Views: 3294

Re: Early September Hiking/Camping Vacation. Risk smoky conditions of CO or heat and humidity of Appalachian Mountains?

Enganerd,

What kind of hikes do you want to do?
Will you be camping in campgrounds like the ones you find in national forests/parks? What are you thinking?
Will your child be hiking or will you be carrying him/her?
by hudson
Sun Aug 23, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 16067

Re: Are emergency funds for suckers?

My emergency fund for years was credit cards or a home equity loan. I started saving so I began to use Vanguard holdings as an emergency fund...but funds took 2 days to get to my credit union checking account. I think this was the optimal way to take care of emergencies. I came up short two times la...
by hudson
Sun Aug 23, 2020 8:51 am
Forum: Personal Investments
Topic: CD being called.. bummer!
Replies: 25
Views: 2814

Re: CD being called.. bummer!

dbr wrote: Sun Aug 23, 2020 8:40 am If you need more return you have to take more risk.
I vote for best available CD...even if the rates aren't that hot.
by hudson
Sun Aug 23, 2020 8:01 am
Forum: Personal Investments
Topic: CDs coming due. Where to reinvest proceeds?
Replies: 62
Views: 6211

Re: CDs coming due. Where to reinvest proceeds?

Have you looked into worthybond.com ? It pays me about 5% a year and I can withdraw any time. TravelforFun Here's a Boglehead discussion on worthy bonds. https://www.bogleheads.org/forum/viewtopic.php?t=268828 Where would you rate it as far as safety? safe as CDs? safe as a total bond fund? investm...
by hudson
Sat Aug 22, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8993

Re: A primer on backup battery systems for power outages

mrc, I'm sure also that you already ruled out borrowing a windows laptop or whatever it takes to run Powerchute to change the settings. I don't know if that would fix the problem...but it might be the next step before buying a different UPS. It sounds like you might be ok with things like they are?...