Search found 99 matches

by faltuk1
Mon Dec 02, 2013 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution
Replies: 9
Views: 883

Re: HSA contribution

Thanks VictoriaF. The only thing so far I find lacking is that GEHA pays only 50% of dental preventative services (cleaning). Considering that I have 4 member family (2 adult and 2 children), with 2 cleanings per year, this could add up (porbably around $500/year out of pocket).
by faltuk1
Mon Dec 02, 2013 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution
Replies: 9
Views: 883

Re: HSA contribution

Thanks VictoriaF. I am going through GEHA coverage now. It looks with 2014 rates, GEHA has now gotten cheaper. Also, they use HSA account with HSA bank. My personal HSA account is with HSA bank. Do you know if they would keep a seperate account or would contribute to my existing account?

Are you overall happy with their network , service etc?
by faltuk1
Mon Dec 02, 2013 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution
Replies: 9
Views: 883

Re: HSA contribution

Thanks VictoriaF. Have you done any comparision of GEHA vs Aetna? Any suggestions? Pricewise, Aetna is little ceaper.
by faltuk1
Mon Dec 02, 2013 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution
Replies: 9
Views: 883

HSA contribution

I am a federal employee and enrolled in Aetna HDHP. The plan contributes $1500 to my HSA account. Does this count towards my annual contribution of $6450, meaning I am limitied to $4950 ($6450-$1500)?
by faltuk1
Sat Oct 26, 2013 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Aetna HDHP
Replies: 7
Views: 1939

FEHB Aetna HDHP

I have been with Aetna HDHP for last 2 years. The premiums have gone quite considerably in last 2 years. Any opinion on HDHP plans in FEHB. I live in Northern Virginia and non postal.
by faltuk1
Thu Jul 26, 2012 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: TRowe Price Portfolio Xray not working
Replies: 41
Views: 5830

TRowe Price Portfolio Xray not working

I have been using Morningstar Tools via TRowe Price website. For last couple of weeks the Portfolio Xray is not working. It shows 0% for everything in the portfolio. It shows the breakup for S&P 500 benchmark, but not for the portfolio funds. Any idea?
by faltuk1
Sun Dec 19, 2010 7:46 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Interview, December 2010
Replies: 2
Views: 933

If 100% of the investor's buy low cost index funds, who will make the market?
by faltuk1
Sat Nov 27, 2010 7:21 am
Forum: Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 4412

"Saving account earning 4%"

Thats a pretty good deal. Are you sure this is a saving account? Anyhting earning more than 2% currently has to be lot more risky than saving account.
by faltuk1
Sat Nov 27, 2010 7:15 am
Forum: Personal Finance (Not Investing)
Topic: HSA and Tax Question -- penalty if I get hired by company??
Replies: 2
Views: 773

This applies only if you get eligible using last month rule and make $6150 full year contribution for 2010.

If you don't use last month rule, and get eligible only in 2011 then you don't have to worry about it. Just make "annual contribution limit"/12 every month to your HSA account if you are worried about change of status mid year.
by faltuk1
Wed Oct 20, 2010 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Health Care 2014 and early retirement
Replies: 43
Views: 7043

This is not a tax credit. This is a direct subsidy. A family of 4 making $50000 would not be paying enough taxes to get enough tax credit.
jeffyscott wrote:
indexfundfan wrote:
pshonore wrote:Where does the $9000+ come from?
I am guessing the other tax payers.

Assuming it is not a "refundable" credit, it is not coming from anyone but yourself, it's a tax credit, so instead of paying taxes you are paying health insurance premiums.

Also, the link above indicates on top of the premiums, if you are at 400% of poverty: "The maximum out-of-pocket costs the person/family will be responsible for in 2014 (not including the premium) is $4,167."
by faltuk1
Tue Oct 19, 2010 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care 2014 and early retirement
Replies: 43
Views: 7043

Re: Health Care 2014 and early retirement

That is exactly my point. The law does give some certainty to early retirees. I am starting to warm up to this law.
jeffyscott wrote:
faltuk1 wrote:I just wanted to know your opinion on if new health care subsidy go into effect starting 2014, won't it be wonderful for people retiring early? It looks the law will pay for premium over 9.5% of annual income (limit $88000). Since most of the early retirees will be making less than $88000/year, the law puts some certainty in predicting health care expense.
The $88,000 figure is for a family of 4. For a couple, 4 times poverty is about $58,000 and for a single person it is about $43,000. I would be very happy to know that health care insurance costs would not exceed $5500 per year (9.5% of $58,000), when we are retired.
by faltuk1
Tue Oct 19, 2010 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Health Care 2014 and early retirement
Replies: 43
Views: 7043

Come 2014, if this part of the law stays as is, why not? If you are planning to retire early in 2015, how much do you plan for health care expense?
zinnia wrote:I wouldn't approach early retirement with any certainty over health care costs.
by faltuk1
Tue Oct 19, 2010 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Health Care 2014 and early retirement
Replies: 43
Views: 7043

Health Care 2014 and early retirement

One of the biggest unknown and hurdle for someone who is planning to retire early is the health care cost. I just wanted to know your opinion on if new health care subsidy go into effect starting 2014, won't it be wonderful for people retiring early? It looks the law will pay for premium over 9.5% of annual income (limit $88000). Since most of the early retirees will be making less than $88000/year, the law puts some certainty in predicting health care expense.

http://www.politifact.com/truth-o-meter ... uld-get-h/
by faltuk1
Fri Oct 08, 2010 9:24 am
Forum: Investing - Theory, News & General
Topic: Lower Minimum on Admiral Shares
Replies: 110
Views: 16684

Would the conversion result in capital gain tax?
mickeyd wrote:I am impressed that VG made it so easy for me to convert my 3 funds that are over $10k and not previously Admiral-qualified. It took me less that 5 minutes to convert them to Admiral. Then again, why didn't VG just convert them w/o me? I guess there is a legal angle that I am missing. Anyway, glad that my expenses just dropped.

--political comment deleted-- Just askin... 8)
by faltuk1
Sat Oct 02, 2010 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6721

Wow! Could you please tell how much of $200K is tution and how much other? Is this Ivy league school expense?
wshang wrote:
faltuk1 wrote:$200K/kid, meaning $100K/kid in todays dollors? So I guess I need minimum of $1.2 mil to retire.
NYnative wrote:For two kids to go to college in 15 years (more or less), I'd figure $200K a kid, minimum, for tuition, room and board.
I can't speak for NYnative, but I plan on $200k in today's dollars. One kid who is a sophomore is costing me that much and the other should hopefully not exceed that amount. My magic number is way beyond $1.2M because I am planning on 40-50 years of retirement.
by faltuk1
Fri Oct 01, 2010 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6721

"working part time and earning $1,000 per month" Could you please give few examples of these kind of jobs. I definitely don't want to work in retail. The job I do currently, I have never seen a part time person. so that option is more or less closed. 4. Anything else you want to share. When you think about retiring early be sure to keep in mind that "retirement" does not have to be a black and white choice about being either totally employed or not employed at all. You can quibble about the definition, but lots of people consider themselves to be retired from their career but still work some in early retirement. For a person with an average income, working part time and earning $1,000 per month through their 60's can mak...
by faltuk1
Fri Oct 01, 2010 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6721

$200K/kid, meaning $100K/kid in todays dollors? So I guess I need minimum of $1.2 mil to retire.
NYnative wrote:For two kids to go to college in 15 years (more or less), I'd figure $200K a kid, minimum, for tuition, room and board. And that's conservative. Of course, you can always send them to community college for the first 2 years or you can hope for scholarships. If you have substantial savings, even if you are retired, don't count on any low income based aid.
by faltuk1
Fri Oct 01, 2010 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6721

Real estate taxes and current health insurance premiums are included in $40000 expense. This also included $5000 misc expenses. So based on 25 times I atleast need $1 mil. plus whatever you want to pay for college? If I want to pay for all of their tution and boarding, how much minimum should I include? Most of the people I see retire early including on this forum seems to have pension. If you retire before your children have been through college, doesn't it complicate figuring out how much to save? How so? You just need more money if you want to retire early and pay for college. Lets take my example and please help figure out how much I need to save to call it quits. Age 40. Children age 2 and 8. Annual expenses $40000 in current dollors. ...
by faltuk1
Fri Oct 01, 2010 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6721

Most of the people I see retire early including on this forum seems to have pension. If you retire before your children have been through college, doesn't it complicate figuring out how much to save? Lets take my example and please help figure out how much I need to save to call it quits. Age 40. Children age 2 and 8. Annual expenses $40000 in current dollors. No debt. No pension How big should be my portfolio to call it quits? I will have no other income and will need to buy health insurance. Thanks! I don't see a problem retiring at age 50 or younger, with or without children, with or without a pension. You just have to have enough money or in other words, you have to be financially independent. If you are serious about retiring early, yo...
by faltuk1
Fri Oct 01, 2010 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6721

Re: Retirement/Early Retirement without pension

Thanks for your reply. If you don't mind asking, do you have children? I also plan on retiring early, preferably before 50. I am 40 now, and my youngest one is only 2. I would like to hear from those who have retired and have no pension. Some of the things I would like to know - 1. At what age did you retire? 2. How do you have your portfolio invested? 3. Level of anxiety due to absence of fixed income like pension? 4. Anything else you want to share. Thanks! Answers: 1. 45, two years ago. 2. A lot of my taxable money is in bond funds, mostly high-yield (not junk bonds, most of it is at or slightly below investment grade). Some of it is in a stock mutual fund. I have an IRA, too, which is about 55/45 stock/bond with the bond part at least i...
by faltuk1
Thu Sep 30, 2010 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6721

Retirement/Early Retirement without pension

I would like to hear from those who have retired and have no pension. Some of the things I would like to know -

1. At what age did you retire?
2. How do you have your portfolio invested?
3. Level of anxiety due to absence of fixed income like pension?
4. Anything else you want to share.

Thanks!
by faltuk1
Wed Aug 11, 2010 8:25 am
Forum: Investing - Theory, News & General
Topic: I don't understand the recent surge in TIP
Replies: 11
Views: 4133

richard wrote:Real rates are falling, so the value of bonds, including TIPS, goes up. TIPS are treasury securities, which benefit from moves to safety and liquidity in bad economic times. These are more than enough to counteract deflation influences.
You would expect real rates component of the TIPS to go up, if the deflation is expected. Isn't that what happened in late 2008, when TIPS real yield went up above 3% due to deflation expectation.
by faltuk1
Thu Jul 22, 2010 9:41 am
Forum: Investing - Theory, News & General
Topic: United States Treasury bonds TIPS 2.375% 01/15/2025
Replies: 2
Views: 992

United States Treasury bonds TIPS 2.375% 01/15/2025

When I look at this TIP under INCONE PRODUCTS section of Fidelity website, it shows the price as 126.667112. I also own this TIP, and when I look at it via my portfolio positions, it lists most recent price as 109.523. What gives?

I changed the CAPS in your title to lower case. CAPS are for forum announcements.--Taylor
by faltuk1
Fri May 07, 2010 10:18 am
Forum: Personal Investments
Topic: Trying to understand individual bond
Replies: 9
Views: 1499

Re: Trying to understand individual bond

Here is the listing of AIG bond from Fidelity, showing yield to ask of 7.3%. Considering that AIG is owned by US govt, isn't it a good buy? AMERICAN INTL GROUP INC MTN BE 5.45000% 05/18/2017FR At a guess there is a risk of being called early. It's a Medium Term Note, rather than a bond, which has its own legal meaning. Not sure if they are the same from an investor point of view. Note AIG is controlled by US government but it has never been nationalized. That's an important distinction. If the US government walked away, it would lose its investment, but nothing more. No recourse on US Treasury. Searching on google, it looks the difference between notes and bonds is that bonds is longer maturity and notes are up 10 year maturity. Other than...
by faltuk1
Fri May 07, 2010 10:12 am
Forum: Personal Investments
Topic: Trying to understand individual bond
Replies: 9
Views: 1499

Re: Trying to understand individual bond

Here is the listing of AIG bond from Fidelity, showing yield to ask of 7.3%. Considering that AIG is owned by US govt, isn't it a good buy? AMERICAN INTL GROUP INC MTN BE 5.45000% 05/18/2017FR At a guess there is a risk of being called early. It's a Medium Term Note, rather than a bond, which has its own legal meaning. Not sure if they are the same from an investor point of view. Note AIG is controlled by US government but it has never been nationalized. That's an important distinction. If the US government walked away, it would lose its investment, but nothing more. No recourse on US Treasury. Searching on google, it looks the difference between notes and bonds is that bonds is longer maturity and notes are up 10 year maturity. Other than...
by faltuk1
Fri May 07, 2010 9:23 am
Forum: Personal Investments
Topic: Trying to understand individual bond
Replies: 9
Views: 1499

Re: Trying to understand individual bond

Here is the listing of AIG bond from Fidelity, showing yield to ask of 7.3%. Considering that AIG is owned by US govt, isn't it a good buy? AMERICAN INTL GROUP INC MTN BE 5.45000% 05/18/2017FR I don't know what AIG's relationship to the U. S. government is. It's probably pretty complicated. 7-year Treasuries are yielding something like 3%. If a bond is paying 5.45%, which is an awful lot more than Treasuries, but buyers are only willing to pay $90 for something that cost $100 when it was issued, I'd say to myself "I don't understand this, and I don't invest in anything I don't understand." Of course, I don't invest in individual bonds. So, what are all these little symbol thingies over at the right? IE, CP, PP, RO, SFP? http://i4...
by faltuk1
Fri May 07, 2010 8:13 am
Forum: Personal Investments
Topic: Trying to understand individual bond
Replies: 9
Views: 1499

Trying to understand individual bond

Here is the listing of AIG bond from Fidelity, showing yield to ask of 7.3%. Considering that AIG is owned by US govt, isn't it a good buy?

AMERICAN INTL GROUP INC MTN BE 5.45000% 05/18/2017FR
by faltuk1
Thu Dec 31, 2009 3:27 pm
Forum: Investing - Theory, News & General
Topic: Hi Yield Bond Funds - Bond or Equity?
Replies: 37
Views: 8583

It's like asking whether ice cream should be considered ice or cream. Non-investment-grade bonds are fundamentally different from investment-grade bonds because the chance of default can't be ignored, and therefore the value of the investment depends on one's judgement of the business prospects of the company. For investment-grade bonds, the business barely enters in to it. If there are two bonds, both rated AA, both maturing in 5 years, both with a 5% coupon, you do not need to know anything about the company; the bonds can be treated as equivalent. Non-investment-grade bonds are fundamentally different from stocks because they are a (shaky) promise to pay certain specified amounts on a certain specified days, and no matter how well the c...
by faltuk1
Thu Dec 31, 2009 12:08 pm
Forum: Investing - Theory, News & General
Topic: Hi Yield Bond Funds - Bond or Equity?
Replies: 37
Views: 8583

Re: Hi Yield Bond Funds - Bond or Equity?

ddb wrote:
faltuk1 wrote:Hi Yield bond funds - Do you consider them part of bond allocation or equity allocation? In my opinion, any thing that produces equity like returns should be considered part of equity allocation. Any opinions?
If I were to use them, which I don't and probably never will, I'd consider them part equity and part fixed income. The actual breakdown would depend on the fund or individual holdings that make up my position.

- DDB
My only bond fund is LSBRX. 10% of my portfolio. Any opinion on how would you break it?
by faltuk1
Thu Dec 31, 2009 11:25 am
Forum: Investing - Theory, News & General
Topic: Hi Yield Bond Funds - Bond or Equity?
Replies: 37
Views: 8583

Hi Yield Bond Funds - Bond or Equity?

Hi Yield bond funds - Do you consider them part of bond allocation or equity allocation? In my opinion, any thing that produces equity like returns should be considered part of equity allocation. Any opinions?
by faltuk1
Thu Dec 31, 2009 7:56 am
Forum: Personal Investments
Topic: Fidelity comparable fund for Vanguard total bond index fund?
Replies: 18
Views: 4151

Re: Fidelity comparable fund for Vanguard total bond index f

Tramper Al wrote:
faltuk1 wrote:I want to stay at fidelity. Any suggestions for Fidelity comparable fund for Vanguard total bond index fund?
May I suggest, though, that rather than using that Fidelity mutual fund, you simply buy BND within your Fidelity account. That is the Vanguard TBM index ETF, ER 0.14.

I think the Spartan Treasury funds are good offerings, but the TBM fund, not so much.
BND seems to be good idea. I have never bought an ETF before. Are returns and risks on BND going to be exactly similar to Vangurad Total Bond? Also, I guess I should invest lump sum in BND instead of $500 - $1000/month?

Is there an ETF for Vanguard Total International Index Fund?
by faltuk1
Thu Dec 31, 2009 7:52 am
Forum: Personal Investments
Topic: Fidelity comparable fund for Vanguard total bond index fund?
Replies: 18
Views: 4151

zeusrock1 wrote:Fidelity US Bond Index (FBIDX). Expense ratio is .38 and it's not really an index fund, but it's pretty close. I have it in my Fidelity accounts.
I just checked, it looks the expense ratio for FBIDX is reduced to .32. Why do you say it is not really an index fund?
by faltuk1
Thu Dec 31, 2009 7:31 am
Forum: Personal Investments
Topic: Fidelity comparable fund for Vanguard total bond index fund?
Replies: 18
Views: 4151

Fidelity comparable fund for Vanguard total bond index fund?

I want to stay at fidelity. Any suggestions for Fidelity comparable fund for Vanguard total bond index fund?
by faltuk1
Mon Dec 28, 2009 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Secondary Treasuary market
Replies: 3
Views: 885

Secondary Treasuary market

I am looking at Secondary Treasuries via fidelity. Could somebody please explain what is "U S TREAS SEC STRIPPED INT PMT 0.00000% " , and why they have higher yield than for similarly maturing treasuries with coupon?

Thanks!
by faltuk1
Wed Nov 04, 2009 8:14 am
Forum: Investing - Theory, News & General
Topic: 30 Year TIPS
Replies: 17
Views: 3542

stratton wrote:With deflation lurking around you probably want new issues where there isn't any accumulated inflation portage of the TIPS bond. Existing 30 year TIPS on the market can their large inflation portion "consumed" by deflation.

Paul
If you are planning to keep TIPS for atleast 5 to 10 years, the accumulated inflation doesn't really matter, unless you expect net deflation during the holding period of 5 to 10 years.
by faltuk1
Wed Oct 14, 2009 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance, when and how much?
Replies: 62
Views: 22194

livesoft wrote:I haven't seen the 2X number, but I have seen a 1X number. Also, our old insurance company wanted proof of assets when the numbers got up there before they would issue such a policy.
What does umbrella policy has to do with how much asset you have? If you have assets of $2M , have umbrella policy of $4M, and lawsuit judgment is $10M, how does it correlate? I am not able to understand what does asset has anything to do with how much umbrella policy one should get.
by faltuk1
Tue Oct 06, 2009 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or invest
Replies: 39
Views: 6379

[quote=I don't understand what that has to do with paying off your house. The hefty tax is there regardless. Or move to an area that doesn't have hefty taxes.[/quote]

No relation, but emotional upside is tempered quite a bit with a huge monthly tax still out there with yearly increases more than inflation.
by faltuk1
Tue Oct 06, 2009 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or invest
Replies: 39
Views: 6379

stevewolfe wrote:Amen to that, congrats. We paid ours off when I was 35, so we're in the same ballpark. I have no regrets and you won't either, way to go.
Now-a-days real estate tax is becoming like another mortgage payment. I am getting close to paying off my mortgage, but I would still be left with a hefty real estate tax/month.
by faltuk1
Thu Oct 01, 2009 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or invest
Replies: 39
Views: 6379

Pay off the mortgage

Pay off the mortgage. Unless you buy a bond and keep it until maturity, it can also go up and down in value. Since you are already maxing out on all the opportunity to invest, I think you should pay off the mortgage.
by faltuk1
Mon Aug 03, 2009 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and Health Care reform
Replies: 2
Views: 1282

HSA and Health Care reform

It looks that the current plan under consideration in House will kill HSA. I don't understand how they can do that under the grab of reform. HSA brought down my monthly premium from $1000 a month to $258. I understand my deductible went up from $600 to $3500, but this money is still in HSA account until I use it. I saved big time using HSA, and would be very disappointed if it is killed in the name of reform.

Here is CNN article that talks about it.

http://money.cnn.com/2009/07/24/news/ec ... 2009072410
by faltuk1
Fri Jun 05, 2009 7:40 am
Forum: Personal Investments
Topic: pay off house
Replies: 59
Views: 11146

Re: pay off house

whatdouthink wrote:If u have the money, should u pay off your house? rate is 6.5. or invest it?
If somebody had to make this same decision any year in last 10 years, what decision would have turned out right? paying off the house!!!

If you are contributing max to your retirement account, and have enough emergency funds, pay off your house!!! It is no brainer! You should not take any more risk than you need too.
by faltuk1
Tue Jun 02, 2009 8:26 am
Forum: Personal Finance (Not Investing)
Topic: More HSA analysis issues
Replies: 5
Views: 1727

Re: More HSA analysis issues

I'm still working through HSA's and how they work. If an HDHP has a deductible of $5000 for family coverage, can I contribute $5950 to an HSA, or am I limited to the amount of the deductible of $5000 for a yearly contribution? Is it true that a yearly contribution to an HSA is allowed only to the maximum deductible of your plan? Confusing- I have 2 HDHP options: 1 w/ a deductible of $5000; the other with a deductible of $3600. The lower deductible plan has a higher quarterly premium by about $300. I was leaning toward the lower deductible plan at first, thinking I could bank some $ by contributing $2000 over the yearly deductible and building a health-based safety net..... may not be possible though. Thanks. You can contribute $5950 for a ...
by faltuk1
Tue Jun 02, 2009 8:24 am
Forum: Personal Finance (Not Investing)
Topic: More HSA analysis issues
Replies: 5
Views: 1727

Re: More HSA analysis issues

I'm still working through HSA's and how they work. If an HDHP has a deductible of $5000 for family coverage, can I contribute $5950 to an HSA, or am I limited to the amount of the deductible of $5000 for a yearly contribution? Is it true that a yearly contribution to an HSA is allowed only to the maximum deductible of your plan? Confusing- I have 2 HDHP options: 1 w/ a deductible of $5000; the other with a deductible of $3600. The lower deductible plan has a higher quarterly premium by about $300. I was leaning toward the lower deductible plan at first, thinking I could bank some $ by contributing $2000 over the yearly deductible and building a health-based safety net..... may not be possible though. Thanks. You can contribute $5950 for a ...
by faltuk1
Mon May 04, 2009 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Warren Buffet did not answer the question
Replies: 5
Views: 2068

woof755 wrote:He is keenly aware that anything he says will be taken as sound investment advice / a direct recommendation by many, many people. Maybe just being very, very cautious.

His track record is not one of deceipt.
He did not seem that cautious when he wrote that article in NY times in October. He does not seem cautious when he talks about Wells Fargo stock price.

He publically said he will be in 100% stock in his personal portfolio. The article in Nytimes in October was clearly meant to tell people to buy American stocks.
by faltuk1
Mon May 04, 2009 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Warren Buffet did not answer the question
Replies: 5
Views: 2068

Warren Buffet did not answer the question

On this weekend in Omaha, a shareholder asked a straight question. Is he in 100% equity in his personal account as he suggested in October 2008? Warren Buffet did not answer this question, other than simply saying we can't guess bottom.
by faltuk1
Thu Jan 29, 2009 1:39 pm
Forum: Investing - Theory, News & General
Topic: Why TIPS yield not going up?
Replies: 1
Views: 856

Why TIPS yield not going up?

Treasury yields have gone up quite a lot in last few days. Why TIPS yield are stuck at same level?
by faltuk1
Tue Oct 28, 2008 3:28 pm
Forum: Investing - Theory, News & General
Topic: Bought 01/15/2025 TIPS at 3.25% yield
Replies: 10
Views: 2340

Bought 01/15/2025 TIPS at 3.25% yield

Bought 01/15/2025 TIPS at 3.25% yield couple of minutes ago. Started buying at 3.05% last week.
by faltuk1
Thu Oct 09, 2008 12:51 pm
Forum: Investing - Theory, News & General
Topic: TIPS
Replies: 105
Views: 21640

jeffyscott wrote:I think Vanguard's footnote explains it:
E — BASED ON HOLDINGS' YIELD TO MATURITY FOR 30 DAYS AS OF END OF PREVIOUS WEEK.
So, how does this yield relate with TIP's. As far as I remember, even last week TIPS were yielding above 2% real.
by faltuk1
Thu Oct 09, 2008 9:59 am
Forum: Investing - Theory, News & General
Topic: TIPS
Replies: 105
Views: 21640

VIPSX

I am new to TIPS. Could you please explain why VIPSX yield is just 1.67%, if real yield on TIPS currently is above 2%.

Thanks!