Search found 3257 matches

by hudson
Sat Apr 25, 2009 8:30 am
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 587
Views: 143388

I live in the same 75 model house...since 75. I drive vehicles until they are worth under $1K....but usually buy new. I get food from a 1/6 acre garden...Troy Bilt Tiller...78 Model I just found and use a used book store. If I can't find what I want, I'll buy used from Amazon. For home use, I build ...
by hudson
Fri Apr 24, 2009 7:22 pm
Forum: Personal Investments
Topic: Investment Returns
Replies: 1
Views: 959

Thanks for posting the table!

http://www.callan.com/research/institut ... ee/311.pdf

Includes 2008
by hudson
Fri Apr 24, 2009 3:38 pm
Forum: Investing - Theory, News & General
Topic: TIPS versus short term certificate of depsoits
Replies: 42
Views: 8565

nisiprius >>At Vanguard, you need to have a brokerage account, which is separate from the account that holds Vanguard funds. If you call Vanguard and "I want to buy TIPS in my Roth" they ought to know that you can do this and ought to offer to set up a VBS account. But, don't worry about it; for a r...
by hudson
Thu Apr 23, 2009 6:12 pm
Forum: Personal Investments
Topic: Local munis vs. Vanguard Intermediate-Term Tax Exempt
Replies: 5
Views: 3280

johnoutk, I'm not an expert but I have the same questions as you and I've done some studying...Here is what I believe to be right. You have to be in the over $100,000 range or higher to get the right prices in individual munis. Even then, the seller can give you quite a haircut, and you'll never kno...
by hudson
Sun Apr 19, 2009 9:18 am
Forum: Investing - Theory, News & General
Topic: Prime Money Market Fund: What's Next?
Replies: 47
Views: 8091

Note: Sorry..this is way off the subject. Livesoft: >> Years ago, USAA gave me an extra $10 if I used my never-used credit card at last 3 times in the next 30 days. So on my next gas fill-up, I used my card and clicked once for 2 cents of gas. Then I got the receipt. Then I repeated 2 more times for...
by hudson
Sun Apr 19, 2009 6:32 am
Forum: Personal Consumer Issues
Topic: George Will on denim
Replies: 103
Views: 18064

I didn't know anyone thought that way about denim. If I could, I'd wear jeans 365 days a year. At work on Friday, we can wear jeans; I believe that my blood pressure and heart rate go down on Fridays...because of the jeans.
by hudson
Sun Apr 19, 2009 6:24 am
Forum: Investing - Theory, News & General
Topic: If you are holding a lot of cash on the sidelines, when
Replies: 44
Views: 7566

pitt76: >>When to get back in ?<< Just some thoughts... It sounds like you may need an asset allocation that is high in bonds...high quality short or intermediate term munis or treasuries. Others in this thread have said you need to have a plan...read diehard recommended books, keep following posts ...
by hudson
Fri Apr 17, 2009 2:34 pm
Forum: Investing - Theory, News & General
Topic: Best book on bonds & fixed income?
Replies: 10
Views: 4371

LarrySwedroe>>Thau's book is very good (though doesn't go into the details in terms of impact on portfolio risk, etc) and Marilyn Cohen's book is not bad for a beginner. Fabozzi's of course is good but much more for the professional<< Thau's Bond Book http://www.amazon.com/Bond-Book-Everything-Treas...
by hudson
Thu Apr 16, 2009 8:31 pm
Forum: Investing - Theory, News & General
Topic: TIPS versus short term certificate of depsoits
Replies: 42
Views: 8565

malloc: >>But I notice that no one even mentions TIP FUNDS. Is this a bad idea? Can anyone tell me why?<< Buying VIPSX, Vanguard Inflation Protected Investor Mutual Fund, is the only way I know to get inflation protected bonds in a tax advantaged account...a Vanguard Roth. My 401K has few bond optio...
by hudson
Fri Apr 10, 2009 11:54 am
Forum: Personal Consumer Issues
Topic: Replacement Toilet
Replies: 27
Views: 7041

After the very useful and informative posts above (I promise to stop swallowing golf balls), I bought a Toto Drake Toilet (1.6 Gallons Per Flush...GPF) with their special self closing seat for $314 including tax. (It was an ADA Elongated) It takes care of business and I recommend it. I also got to t...
by hudson
Fri Apr 10, 2009 9:20 am
Forum: Personal Investments
Topic: invest 100K
Replies: 10
Views: 2724

If married, you could buy 20K worth of I Bonds, 10K for you, 10K in your wife's name...10K has to be in paper bonds...I buy from my credit union. 10K from the US treasury at http://www.savingsbonds.gov/ . No state tax and no federal till you cash them. CDs at www.penfed.org are OK. https://www.penfe...
by hudson
Tue Apr 07, 2009 5:05 am
Forum: Personal Investments
Topic: Dupree Bond Mutual Funds How Safe
Replies: 3
Views: 1281

Stratton: >>When the ER of a muni bond fund gets into the 0.70% you might as well have a Vanguard national muni fund with a 0.16% ER and pay the taxes on the yield percentage not from your state. << Let me try to do the math...did I get it right? Invest 20K at Dupree NC with ER of .007 per year = $1...
by hudson
Mon Apr 06, 2009 9:55 pm
Forum: Personal Investments
Topic: Dupree Bond Mutual Funds How Safe
Replies: 3
Views: 1281

Dupree Bond Mutual Funds How Safe

How safe?

Dupree has bond mutual funds for Alabama, NC, Tennessee, etc.


Here's a previous thread on Dupree Funds.

http://www.bogleheads.org/forum/viewtop ... 32&start=0
by hudson
Sun Mar 29, 2009 1:52 pm
Forum: Personal Consumer Issues
Topic: Replacement Toilet
Replies: 27
Views: 7041

Replacement Toilet

I've got a 10 year old Kohler 1.6 gallon/6 liter flush that fails at least once a month with solid waste. I have to keep a plunger nearby. (I know that you hold down longer for a stronger flush.) I believe that there are no obstructions or installation issues...as it works well sometimes for a month...
by hudson
Sun Mar 29, 2009 8:00 am
Forum: Personal Consumer Issues
Topic: Buy a new car-Take advantage of the discounts!
Replies: 15
Views: 3592

It sounds like you have new car fever. When I've had that in the past, I try to do a lot of research on the issue, just like you are doing now. Sometimes, I get very close to biting, but there's this internal voice that keeps yelling, "It's an impulse buy thing, BAIL." I've always bailed. In your si...
by hudson
Wed Mar 25, 2009 6:06 pm
Forum: Personal Investments
Topic: If someone handed you $50K tomorrow, how would you invest it
Replies: 49
Views: 8075

Die Hard<<Just heard Clark Howard say I Bonds are not the thing to buy now. It's like Will Rogers said: 'It's not the return on my money -- it's the return of my money. I'm am very interested in what the right thing is to buy now...in keeping with the original poster's criteria....suggestions...no e...
by hudson
Wed Mar 25, 2009 5:41 pm
Forum: Personal Investments
Topic: If someone handed you $50K tomorrow, how would you invest it
Replies: 49
Views: 8075

for 50K 2009 5K Paper I Bonds Me 5K Paper I Bonds Wife 5K Treas. Direct I Bonds Me 5K Treas. Direct I Bons Wife Total/ 20K 2010 30K in MM till Jan 1 2010 Repeat 20K to I Bonds as above Now 40K in I Bonds 2011 10K in MM or 1 Yr CD until Jan 1 2011 then 10K I Bond Now 50K in I Bonds Inflation Proof, s...
by hudson
Mon Mar 23, 2009 7:17 pm
Forum: Investing - Theory, News & General
Topic: Larry S said, "Purchase Municipals AAA and AA"
Replies: 22
Views: 5261

saurabhec "sell my Intermediate-Term Tax Exempt and move it to Short-Term Investment Grade." My nonexpert opinion: Relative Safety of Different Kinds of Bonds...10 safe, 1 risky 10 Treasuries / CDs/ Money Market 8 AAA and AA Munis 7.8 Vanguard Intermediate-Term Munis (VWITX) 7 A Munis 2 Corporate bo...
by hudson
Mon Mar 23, 2009 7:06 pm
Forum: Personal Consumer Issues
Topic: First Speeding Ticket - Help!
Replies: 55
Views: 11473

Go talk to an attorney; many times the initial visit is no charge. I would hire an attorney and let the attorney run the show. Any one who represents themself has a fool for a client. The attorney will be on his/her turf if court. You'll be like a duck out of water. You're attorney will look out for...
by hudson
Sun Mar 22, 2009 4:07 pm
Forum: Personal Investments
Topic: If someone handed you $50K tomorrow, how would you invest it
Replies: 49
Views: 8075

all to 5 year CD at Pentagon Federal at 4% and just pay the taxes

or

all to Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) at 3.55% and only pay NC taxes

big?
by hudson
Fri Mar 20, 2009 3:52 pm
Forum: Investing - Theory, News & General
Topic: Larry S said, "Purchase Municipals AAA and AA"
Replies: 22
Views: 5261

Tarnation: " from what I can see they run good bond funds for us "off-brand" states."

Wow! Very nice information...I never knew that existed. Has anyone had any dealings or experience?
by hudson
Fri Mar 20, 2009 3:50 pm
Forum: Investing - Theory, News & General
Topic: Larry S said, "Purchase Municipals AAA and AA"
Replies: 22
Views: 5261

How would you rank the following kinds of bonds?

Larry S: "Remember munis much safer than similarly rated corporates, MUCH safer" I'm guessing that it's not as simple as this, but how would you rank them below? On a scale of 1-10, the higher the safer. I'll put a guess in parenthesies at the end. 10 Treasuries ?? AAA and AA Munis (9) ?? A Munis -8...
by hudson
Fri Mar 20, 2009 11:40 am
Forum: Investing - Theory, News & General
Topic: Larry S said, "Purchase Municipals AAA and AA"
Replies: 22
Views: 5261

Larry S said, "Purchase Municipals AAA and AA"

Larry Swedroe gives this advice in several of his books and on this board for those who desire to avoid paying federal or maybe state taxes on interest. ("Buy AAA/AA municipals) Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) is 34% AAA, 45% AA, 18% A, and 3% BBB rated bonds. VWIT...
by hudson
Thu Mar 19, 2009 6:44 pm
Forum: Investing - Theory, News & General
Topic: Windfall Investment
Replies: 3
Views: 1480

Windfall Investment

The investor has enough equity exposure and wants to limit tax liabilities. He has maxed out his 401K/Roth and he is looking at long term, age 61 Safety is a concern What about this? 20% I Bonds (Limit 5K+5K) 40% Vanguard Short-Term Tax-Exempt Fund Investor Shares (VWSTX) 40% Vanguard Intermediate-T...
by hudson
Wed Mar 18, 2009 7:54 pm
Forum: Personal Investments
Topic: Money in a Wachovia Checking Account over FDIC Limit
Replies: 8
Views: 2645

Money in a Wachovia Checking Account over FDIC Limit

How risky is it to have over 250K in an FDIC checking account? If the bank fails, does everyone with over 250K automatically lose the overage? What is actual practice when banks fail or are closed and reopened? I realize that the quick solution is to open another account at a different bank. Have pe...
by hudson
Thu Feb 26, 2009 5:06 am
Forum: Personal Consumer Issues
Topic: Changing Transmission Fluid
Replies: 22
Views: 4828

Toons: >>.Just wondering ,anyone follow recommended transmission fluid changes ?If not how often do you change ,,if at all << As the transmission is probably just as expensive to replace/rebuild as the engine, I would take very good care of it. I would follow the manufacturer's directions. If the fl...
by hudson
Wed Feb 18, 2009 8:42 pm
Forum: Personal Investments
Topic: Please help with AA for a 529 plan + questions
Replies: 6
Views: 1406

It's worth studying and learning about risks, asset allocations, bonds, stocks, and mutual funds so that you can trust yourself. Don't trust what I write, keep reading and studying. The NC 529 is a good choice and has tax advantages....I believe Federal and State tax breaks for money actually spend ...
by hudson
Sat Feb 14, 2009 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Buying cars - how to handle trade-in
Replies: 12
Views: 2757

I would buy and read the Car Buyer's an Leaser's Negotiating Bible...3d edition by James W. Bragg. http://www.amazon.ca/Buyers-Leasers-Negotiating-Bible-Third/dp/0375720677/ref=sr_1_1?ie=UTF8&s=books&qid=1234610209&sr=1-1 or go to his website http://www.fightingchance.com/ You'll easily get back the...
by hudson
Wed Jan 28, 2009 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Emigrant Direct and Dollar Direct
Replies: 44
Views: 9220

gizzsdad,

The Penfed card comes recommended in posts on this forum. I've had it 6 months and it's been solid.
by hudson
Wed Jan 28, 2009 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Emigrant Direct and Dollar Direct
Replies: 44
Views: 9220

Madd Hatter Join Pentagon Federal Credit Union by joining an association for $20, then deposit $5 into a savings account...then drop EmmDirect. https://www.penfed.org/productsAndRates/creditCards/RewardCards.asp Visa Platinum Gas Cash Reward Earn 2% cash back on supermarket purchases* Earn 5.00% cas...
by hudson
Sat Jan 24, 2009 8:25 pm
Forum: Investing - Theory, News & General
Topic: GOT ANY PEARLS OF WISDOM FOR BOGLEHEADS BOOK?
Replies: 210
Views: 36210

Safe Bond Portfolio = 50% TIPS and 50% Short Term Treasuries
(VIPSX or VAPSX + VFISX or VFIRX)
by hudson
Fri Jan 23, 2009 7:06 pm
Forum: Personal Consumer Issues
Topic: What is your favorite Pizza Place?
Replies: 47
Views: 10746

George's in Harwichport, Ma.

http://www.georgespizzahouse.com/

I haven't been there in about 10 years. I may have to make a special trip.
by hudson
Thu Jan 22, 2009 10:20 pm
Forum: Personal Consumer Issues
Topic: What's your Favorite Beer and Favorite Cocktail?
Replies: 97
Views: 15831

Beer = Dos Equis Draft

Cocktail: Rusty Nail ...but only on backpack trips where beer is to heavy to carry.
by hudson
Sun Jan 18, 2009 10:27 am
Forum: Investing - Theory, News & General
Topic: So you think you understand TIPS ?
Replies: 48
Views: 10924

Does TBM have any GNMA holdings? From https://personal.vanguard.com/us/funds/snapshot?FundId=0084&FundIntExt=INT#hist::tab=2 as of 12/31/2008 Total Bond Mkt Index Inv Asset-Backed 0.7% Commercial Mortgage-Backed 3.7% Finance 7.3% Foreign 3.3% Government Mortgage-Backed 40.1% Industrial 8.7% Other 0....
by hudson
Tue Jan 13, 2009 10:18 pm
Forum: Personal Consumer Issues
Topic: What is the closest international landmark you live near?
Replies: 136
Views: 20369

delete post
by hudson
Tue Jan 13, 2009 7:05 pm
Forum: Personal Consumer Issues
Topic: Most desired airplane ride...
Replies: 50
Views: 7303

>>Valuethinker....Orkney is a fantastic place to visit, anyhow: scenery, the battleship graveyard at Scapa Flow, the bird life, the prehistoric monuments, fishing village at Stromness, Creel Restaurant at St. Margaret's.<< also the Midnight Golf Match, the Italian Chapel, The Boys Ploughing Match at...
by hudson
Tue Jan 13, 2009 5:47 am
Forum: Personal Consumer Issues
Topic: Most desired airplane ride...
Replies: 50
Views: 7303

I would like to take the World's Shortest Scheduled Flight from island to island in Orkney, Scotland.

http://www.youtube.com/watch?v=9pBXjAQX7W8
by hudson
Mon Jan 05, 2009 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a Pickup Truck
Replies: 10
Views: 2502

Tom D, I would recommend reading Car Buyer's and Leaser's Negotiating Bible, Third Edition. It's mostly about buying a new car, but includes strategies for pricing and selling a used vehicle. You can buy it used for 48 cents plus shipping. http://www.amazon.com/gp/product/0375720677/ref=olp_product_...
by hudson
Thu Jan 01, 2009 4:18 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2009 BOGLEHEADS CONTEST
Replies: 296
Views: 49518

1020
by hudson
Thu Jan 01, 2009 8:31 am
Forum: Personal Investments
Topic: Bond-like Option for Taxable Portion of Portfolio?
Replies: 8
Views: 1780

mikem,

You may want to consider I Bonds with no risk to the principal and no taxes until you cash them.

http://www.treasurydirect.gov/indiv/res ... nsider.htm
by hudson
Sat Dec 20, 2008 9:42 pm
Forum: Personal Investments
Topic: TIPS and the "sweet" spot
Replies: 34
Views: 7266

Where could I buy AAA munis?
by hudson
Sat Dec 20, 2008 5:40 pm
Forum: Personal Investments
Topic: TIPS and the "sweet" spot
Replies: 34
Views: 7266

[quote="larryswedroe"]tony
I would not buy nominal Treauries, only TIPS or for taxable dollars AAA munis[/quote]

Where do you buy AAA munis? Is there a Vanguard fund?
by hudson
Thu Dec 04, 2008 5:42 am
Forum: Personal Consumer Issues
Topic: Recommendatins for Word to pdf converter
Replies: 26
Views: 5092

[quote="dphmd"][quote="GeekedOut"]If you have purchased a computer in the past few years, you are likely running Office 2007. If this is the case, there is an add-in for Office to print directly to PDF. It can be found [url=http://www.microsoft.com/downloads/details.aspx?FamilyId=4D951911-3E7E-4AE6-...
by hudson
Tue Dec 02, 2008 7:07 pm
Forum: Personal Investments
Topic: Is 10 years even long enough for index investing?
Replies: 25
Views: 4709

[quote="Rick Ferri"]. Based on current valuations, there is a very high probability that the next 10 years will exceed 8% returns for global equity index fund investors. [b]If ever there was a time for baby boomers and baby boomlets who are saving for retirement to become aggressive, THIS IS IT! [/b...
by hudson
Mon Dec 01, 2008 7:50 pm
Forum: Personal Consumer Issues
Topic: What is the ultimate Boglehead's new car?
Replies: 181
Views: 43760

[quote="FinanceGeek"]My "new" cars are 1-2 year old vehicles from Enterprise, 20k to 30k miles, at about half the price of a new one.[/quote] I did a quick 2 minute study at the Enterprise Rental Sale site and the Fitzmall.com website: Enterprise 2008 Toyota Rav4, 20K mi, 4wd, $20,000 Fitzmall 2008 ...
by hudson
Sun Nov 30, 2008 8:57 pm
Forum: Personal Consumer Issues
Topic: Who would you invite to dinner?
Replies: 54
Views: 9105

Gen. Ambrose Powell Hill and Col. Joshua Chamberlain
by hudson
Fri Nov 28, 2008 5:19 pm
Forum: Personal Investments
Topic: interview on utube-if interested
Replies: 28
Views: 5778

[quote="Derelict"][quote="larryswedroe"]Derelict How does this work? If an insurance company sells an annuity and the insurance company goes under, does the state pay off the annuity if it is under the guaranteed amount in the state? Do states have enough money to actually do this if a lot of insura...
by hudson
Wed Nov 26, 2008 7:42 pm
Forum: Personal Consumer Issues
Topic: Veterans Day. Veterans please sign in
Replies: 95
Views: 18004

US Army 1969-1972 82d Airborne
by hudson
Tue Nov 25, 2008 10:08 pm
Forum: Personal Investments
Topic: interview on utube-if interested
Replies: 28
Views: 5778

I kind of understood fixed annuities before I watched this video. Now after hearing Larry's example, I've got it....excellent!