Search found 5763 matches

by anon_investor
Sun Apr 11, 2021 10:46 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 83
Views: 6516

Re: Mixing Bogle and Ramsey to build my portfolio

Jack Bogle recommended Total Stock (or S&P 500) and Total Bond. He said International was not needed. Tony Oy, not this again.... Vanguard themselves don't agree with Bogle on this, as evidenced by the AA in their target retirement funds. But you already know that. Where did all the ARK funds a...
by anon_investor
Sun Apr 11, 2021 10:32 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 35
Views: 2822

Re: S&P 500 High Dividend ETF - SPYD

SPYD was one of those vehicles that I had my eye on for a while when the COVID dip arrived in March 2020. As an experiment I was looking to set up my own annuity with high yield funds and SPYD was my main selection. When the price dropped from (IIRC) $40 to $30 I began buying. Because of the luck i...
by anon_investor
Sun Apr 11, 2021 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

For example, if you go to an elite law school your undergrad is a lot less important. Of course, your undergrad school reputation is a significant factor in getting admitted into an elite law school. I am not necessarily disagreeing with the thesis of this thread, but attending a higher-ranked unde...
by anon_investor
Sun Apr 11, 2021 9:51 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 35
Views: 2822

Re: S&P 500 High Dividend ETF - SPYD

SPYD was one of those vehicles that I had my eye on for a while when the COVID dip arrived in March 2020. As an experiment I was looking to set up my own annuity with high yield funds and SPYD was my main selection. When the price dropped from (IIRC) $40 to $30 I began buying. Because of the luck i...
by anon_investor
Sun Apr 11, 2021 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

Top 0.05% end up at West Point or Annapolis if military is an end goal...ok, I guess Colorado Springs as well. I agree, if you want to make the military a career, go to an academy. As a career officer and product of ROTC, I'll just say "ouch," and I think this is more myth than reality. L...
by anon_investor
Sun Apr 11, 2021 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Thrift Savings Plan account locked - too many password reset attempts
Replies: 7
Views: 468

Re: Thrift Savings Plan account locked - too many password reset attempts

This happened this morning. I did not make any password reset attempts so apparently an attempted hack. The email appears legit and the number to call to unlock is the legitimate TSP service line. So what can I infer from this type of attempt? The password is complex. The username is not (me bad). ...
by anon_investor
Sun Apr 11, 2021 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Thrift Savings Plan account locked - too many password reset attempts
Replies: 7
Views: 468

Re: Thrift Savings Plan account locked - too many password reset attempts

This happened this morning. I did not make any password reset attempts so apparently an attempted hack. The email appears legit and the number to call to unlock is the legitimate TSP service line. So what can I infer from this type of attempt? The password is complex. The username is not (me bad). ...
by anon_investor
Sun Apr 11, 2021 6:36 pm
Forum: Personal Investments
Topic: I Bonds
Replies: 39
Views: 2679

Re: I Bonds

Tipswatch just made another post on ibonds. Rates are looking up: https://tipswatch.com/2021/04/11/inflation-is-heading-higher-will-it-be-a-head-fake The variable rate may end up being higher than the yield on a 30 year treasury! Now this is actionable... If the Tuesday report comes in as expected,...
by anon_investor
Sun Apr 11, 2021 6:21 pm
Forum: Personal Investments
Topic: Creating revocable trust just for buying I Bonds?
Replies: 27
Views: 1565

Re: Creating revocable trust just for buying I Bonds?

How much value is buying I bonds worth to you? I don't think the value justifies the need to create a trust Sadly, this is my feeling to. After having been temporarily locked out of my TD account and dealing with the hassle of that, I'm questioning my desire to deal with Treasury Direct at all. Ser...
by anon_investor
Sun Apr 11, 2021 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

Top 0.05% are top 1,750 high school graduates in an average year. HYPMS won’t give a full ride to them if parents make too much. A merit based school probably would. That is crazy to think about. How come no one ever mentions ROTC? A few HS classmates did ROTC at ivys. If you want to serve in the m...
by anon_investor
Sun Apr 11, 2021 5:32 pm
Forum: Personal Investments
Topic: I Bonds
Replies: 39
Views: 2679

Re: I Bonds

graspau wrote: Sun Apr 11, 2021 5:03 pm Tipswatch just made another post on ibonds. Rates are looking up: https://tipswatch.com/2021/04/11/inflat ... -head-fake
The variable rate may end up being higher than the yield on a 30 year treasury!
by anon_investor
Sun Apr 11, 2021 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

Top 0.05% are top 1,750 high school graduates in an average year. HYPMS won’t give a full ride to them if parents make too much. A merit based school probably would. That is crazy to think about. How come no one ever mentions ROTC? A few HS classmates did ROTC at ivys. If you want to serve in the m...
by anon_investor
Sun Apr 11, 2021 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

No amount of money can repeat 4 years being surrounded by highly motivated peers. Smart highly motivated kids end up together in the harder classes, no matter where you go to school. If your kid is smart enough to get into the top schools, they will be in the top 5% at Flagship State. And they will...
by anon_investor
Sun Apr 11, 2021 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

I do agree (and stated as much earlier) that few schools are worth what they charge. I wouldn't pay $300K for USC. Your spreadsheet is very interesting for a number of things, but it’s hard to imagine the meeting where $4,000 merit aid was decided (unless it was formulaic and deterministic). Tuft’s...
by anon_investor
Sun Apr 11, 2021 4:00 pm
Forum: Personal Investments
Topic: I Bonds
Replies: 39
Views: 2679

Re: I Bonds

Sure if you want to do some market timing. Otherwise, owning I-Bonds is at least better than being in cash. Don't underestimate the value of cash. We all want to be paid in cash after all :dollar Sorry, this makes no sense to me... I think of I Bonds as being like cash, but better than cash in near...
by anon_investor
Sun Apr 11, 2021 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

No amount of money can repeat 4 years being surrounded by highly motivated peers. Smart highly motivated kids end up together in the harder classes, no matter where you go to school. If your kid is smart enough to get into the top schools, they will be in the top 5% at Flagship State. And they will...
by anon_investor
Sun Apr 11, 2021 3:48 pm
Forum: Personal Consumer Issues
Topic: USPS Delivery issues
Replies: 25
Views: 1452

Re: USPS Delivery issues

I have found that USPS performs excellent for me when I send regular first class mail. It is fast and fairly inexpensive. When I've used tracking or a service like Priority Mail, which sometimes you may need to, I've often been disappointed. From my experience there's a certain magic, mysteriousnes...
by anon_investor
Sun Apr 11, 2021 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

stoptothink wrote: Sun Apr 11, 2021 2:27 pm
It's really out of touch to suggest that $200k is "chump change" for the general population; lifetime earnings in mid-7-figures isn't just the norm, even for HYPMS grads.
For some BHs these are not out of touch numbers...
by anon_investor
Sun Apr 11, 2021 1:44 pm
Forum: Personal Investments
Topic: Why the general advice to have treasuries in CA HSA?
Replies: 10
Views: 794

Re: Why the general advice to have treasuries in CA HSA?

I use a TSM ETF (ITOT) in my HSA. I am planning on leaving CA before the funds will be drawn, so I will experience the tax free growth...so I want to maximize that growth. Being in CA is a pain for tracking the tax lots (in the situation where I may not leave CA). So I let my monthly payroll contri...
by anon_investor
Sun Apr 11, 2021 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

The calculations are with the wrong numbers (sticker price). The actual numbers are much harder to come by. For example, the cheapest 4 year option for my son was a solid out-of-state public school. Yes, it was cheaper than 2 years of local CC plus 2 years of in-state public school. Private schools...
by anon_investor
Sun Apr 11, 2021 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

The calculations are with the wrong numbers (sticker price). The actual numbers are much harder to come by. For example, the cheapest 4 year option for my son was a solid out-of-state public school. Yes, it was cheaper than 2 years of local CC plus 2 years of in-state public school. Private schools...
by anon_investor
Sun Apr 11, 2021 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

Life is unfair. Sometimes, paying the premium for every ounce of advantage is worth it depending on the degree and the type of student. +1. Sometimes the premium is worth it. Sometimes it is not. I can say personally, since I ended up going to law school, my undergraduate has basically been meaning...
by anon_investor
Sun Apr 11, 2021 1:04 pm
Forum: Investing - Theory, News & General
Topic: new Vanguard Ultra-Short Bond ETF
Replies: 50
Views: 5388

Re: new Vanguard Ultra-Short Bond ETF

Sure, but who is really using an ultra short term bond fund for rebalancing? Isn't more used for short term savings? I Bonds are better than 1 year duration bond funds right now. To me, VUSB looks like an alternative to MM funds. And ibonds are very different beasts from MM funds in terms of liquid...
by anon_investor
Sun Apr 11, 2021 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

I watched the Admissions Scandal movie on Netflix last night. It reminded me to keep everything in perspective. The best quote was from a retired Stanford admissions counselor who said "there are 3000 colleges in this country, you can get a great education anywhere, if you really want it"...
by anon_investor
Sun Apr 11, 2021 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 125
Views: 4482

Re: The primary factor for picking a College/University is out of pocket cost

Outside of Ivy (or Ivy level) schools, I think choosing the in-state flagship makes the most sense. Why pay an Ivy league price tag for a mediocre education from a lesser private school? Advanced degrees, in particular professional degrees, completely change the importance of undergrad. For example,...
by anon_investor
Sun Apr 11, 2021 12:10 pm
Forum: Personal Investments
Topic: Why the general advice to have treasuries in CA HSA?
Replies: 10
Views: 794

Re: Why the general advice to have treasuries in CA HSA?

I use a TSM ETF (ITOT) in my HSA. I am planning on leaving CA before the funds will be drawn, so I will experience the tax free growth...so I want to maximize that growth. Being in CA is a pain for tracking the tax lots (in the situation where I may not leave CA). So I let my monthly payroll contri...
by anon_investor
Sun Apr 11, 2021 10:20 am
Forum: Investing - Theory, News & General
Topic: new Vanguard Ultra-Short Bond ETF
Replies: 50
Views: 5388

Re: new Vanguard Ultra-Short Bond ETF

BTW, there in literally no other investment in the USA right now that will give you price stability and a real return that is not negative.The I-bond is the easy choice if you are looking for yield. But you can't hold it in a brokerage portfolio, so it's useless for rebalancing. And you can only bu...
by anon_investor
Sun Apr 11, 2021 9:41 am
Forum: Personal Consumer Issues
Topic: Planning to travel to New York.
Replies: 9
Views: 827

Re: Planning to travel to New York.

I am going to New York in June this year for a week. Any restrictions for travelers in that aria?Planning to make a reservation in Hotel. I was fully vaccinated . Anyone knows if we need extra time for this trip? This is what the NY State website says: https://www.governor.ny.gov/news/governor-cuom...
by anon_investor
Sun Apr 11, 2021 9:35 am
Forum: Personal Investments
Topic: too much in munis?
Replies: 11
Views: 957

Re: too much in munis?

Long term, a diversified intermediate term muni bond fund is probably fine. But in times of stock market distress, muni bonds funds usually fall a little (definitely a lot less than stocks) vs. Treasury bonds which usually increase (flight to safety). Well this wasn't true last year. Munis fell har...
by anon_investor
Sun Apr 11, 2021 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Do budgets work?
Replies: 114
Views: 4295

Re: Do budgets work?

Wouldn't a Big Expense that you can't cash flow indicate that you might need to "budget" for that expense? Especiaally an expense you KNOW is coming - property taxes, a vacation, school tuition? You'd need alot of disposable income every month to handle a large property tax bill (on your ...
by anon_investor
Sun Apr 11, 2021 9:15 am
Forum: Personal Investments
Topic: too much in munis?
Replies: 11
Views: 957

Re: too much in munis?

Due to need for a significant proportion of net worth in taxable, and high tax bracket, i have a significant amt in Munis (intermediate term). Is there any incremental risk to this (outside of performance) compared to total bond? (default risk, etc.) Long term, a diversified intermediate term muni ...
by anon_investor
Sun Apr 11, 2021 7:06 am
Forum: Personal Investments
Topic: I Bonds
Replies: 39
Views: 2679

Re: I Bonds

Sure if you want to do some market timing. Otherwise, owning I-Bonds is at least better than being in cash. Don't underestimate the value of cash. We all want to be paid in cash after all :dollar Except this pro football player (Bitcoin): https://www.nbcsports.com/northwest/seahawks/former-seattle-...
by anon_investor
Sun Apr 11, 2021 6:55 am
Forum: Personal Investments
Topic: I Bonds
Replies: 39
Views: 2679

Re: I Bonds

I love I Bonds, I own them. A great hedge against inflation is low rate long term fixed rate debt (e.g. a 30 year mortgage) that you don't prepay, I have some of that too. A mortgage isn't really a good hedge against inflation because your home will depreciate (less buyers in the market) and the co...
by anon_investor
Sun Apr 11, 2021 6:54 am
Forum: Personal Investments
Topic: I Bonds
Replies: 39
Views: 2679

Re: I Bonds

interesting perspective. i'm wondering if you meant to say EE bonds instead of Ibonds as Ibonds adjust for inflation. cheers, grok For I bonds, your real return is dependent on the fixed rate, not on the inflation rate. Only the fixed rate matters... But the current variable rate of 1.68% is better...
by anon_investor
Sun Apr 11, 2021 6:48 am
Forum: Personal Investments
Topic: I Bonds
Replies: 39
Views: 2679

Re: I Bonds

This is like the worst time to buy I bonds. The fixed rate is 0% with inflation on the horizon. I bonds pay off when you buy right before deflation is about to occur. interesting perspective. i'm wondering if you meant to say EE bonds instead of Ibonds as Ibonds adjust for inflation. cheers, grok F...
by anon_investor
Sun Apr 11, 2021 6:39 am
Forum: Personal Investments
Topic: I Bonds
Replies: 39
Views: 2679

Re: I Bonds

This is like the worst time to buy I bonds. The fixed rate is 0% with inflation on the horizon. I bonds pay off when you buy right before deflation is about to occur. interesting perspective. i'm wondering if you meant to say EE bonds instead of Ibonds as Ibonds adjust for inflation. cheers, grok F...
by anon_investor
Sun Apr 11, 2021 6:25 am
Forum: Investing - Theory, News & General
Topic: new Vanguard Ultra-Short Bond ETF
Replies: 50
Views: 5388

Re: new Vanguard Ultra-Short Bond ETF

This announcement of this new product inspired me to buy some Ibonds on Treasury Direct today. Maybe I'll buy some 6 or 9 month CD's too. RM I love I Bonds. I plan to buy my annual allotment next month. Why the love for I Bond? I keep my emergency fund in Vanguard Federal M.M-VMFXX and Vanguard Tot...
by anon_investor
Sat Apr 10, 2021 9:02 pm
Forum: Investing - Theory, News & General
Topic: Schwab - $1.2 million mistake
Replies: 3
Views: 2316

Re: Schwab - $1.2 million mistake

:oops: Woman arrested after she refuses to return $1.2 million put into her bank account by mistake ...Authorities said a clerical error had caused Charles Schwab, a major financial services corporation, to deposit more than $1.2 million into her brokerage account when it only meant to transfer abo...
by anon_investor
Sat Apr 10, 2021 4:57 pm
Forum: Investing - Theory, News & General
Topic: My Vanguard account blocked or site down?
Replies: 20
Views: 1432

Re: My Vanguard account blocked or site down?

Might be the app. I'm using Windows on Chrome desktop and have been having issues on and off for a few days. Not the app. Also can't get in sometimes when trying to download data using Quicken. Weird. I have used chrome to place orders on the Vanguard website on different days this week without iss...
by anon_investor
Sat Apr 10, 2021 4:30 pm
Forum: Investing - Theory, News & General
Topic: My Vanguard account blocked or site down?
Replies: 20
Views: 1432

Re: My Vanguard account blocked or site down?

Might be the app. I'm using Windows on Chrome desktop and have been having issues on and off for a few days. Not the app. Also can't get in sometimes when trying to download data using Quicken. Weird. I have used chrome to place orders on the Vanguard website on different days this week without iss...
by anon_investor
Sat Apr 10, 2021 4:26 pm
Forum: Personal Investments
Topic: Effective tax rate 40%+ Sanity check on strategy for tax efficient investing
Replies: 51
Views: 3567

Re: Effective tax rate 40%+ Sanity check on strategy for tax efficient investing

Since the OP's taxable account is at Vanguard, why not just buy Vanguard Tax-Managed Capital Appreciation Fund Admiral Shares (VTCLX)? Because its tax efficiency is pretty much the same as VTSAX Except for the lower dividend yield, which is what the OP is being taxed on. Also 100% qualified dividen...
by anon_investor
Sat Apr 10, 2021 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Theory: The Only Four Situations Justifying Debt
Replies: 103
Views: 6816

Re: Theory: The Only Four Situations Justifying Debt

stan1 wrote: Sat Apr 10, 2021 1:18 pm Seems like over analysis. Could summarize as don't take out loans unless there is a good business case for doing so. Rent/buy calculators help cover that for home mortgage.
+1.
by anon_investor
Sat Apr 10, 2021 4:18 pm
Forum: Personal Investments
Topic: Effective tax rate 40%+ Sanity check on strategy for tax efficient investing
Replies: 51
Views: 3567

Re: Effective tax rate 40%+ Sanity check on strategy for tax efficient investing

Since the OP's taxable account is at Vanguard, why not just buy Vanguard Tax-Managed Capital Appreciation Fund Admiral Shares (VTCLX)? Because its tax efficiency is pretty much the same as VTSAX Except for the lower dividend yield, which is what the OP is being taxed on. Also 100% qualified dividen...
by anon_investor
Sat Apr 10, 2021 3:11 pm
Forum: Personal Investments
Topic: Effective tax rate 40%+ Sanity check on strategy for tax efficient investing
Replies: 51
Views: 3567

Re: Effective tax rate 40%+ Sanity check on strategy for tax efficient investing

Since the OP's taxable account is at Vanguard, why not just buy Vanguard Tax-Managed Capital Appreciation Fund Admiral Shares (VTCLX)?
by anon_investor
Sat Apr 10, 2021 11:54 am
Forum: Investing - Theory, News & General
Topic: Updating SpecID Lots Before Settlement at Vanguard
Replies: 3
Views: 290

Re: Updating SpecID Lots Before Settlement at Vanguard

sycamore wrote: Sat Apr 10, 2021 10:50 am I've never heard of that option. The only thing I know about (at Vanguard at least) is selecting which shares when you sell them.
+1. I think Fidelity lets you do that, but I have never seen the option at Vanguard.
by anon_investor
Sat Apr 10, 2021 11:46 am
Forum: Personal Consumer Issues
Topic: Any MagicJack phone alternatives that are cheaper and better?
Replies: 14
Views: 1343

Re: Any MagicJack phone alternatives that are cheaper and better?

Google Voice and an OBItalk device works great. Pretty simple to set up and then it’s fire and forget. I think I loaded $25 into my google voice account to be able to make international calls. I’ve made about 3 hours of calls internationally and I still haven’t ysed half of that $25. So if you esse...
by anon_investor
Sat Apr 10, 2021 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Do budgets work?
Replies: 114
Views: 4295

Re: Do budgets work?

This morning, I read a Tweet I found depressing: "In 13 years as a financial advisor, I've never seen anyone actually turn their life around with a budget. They either earn their way out of their spending habits, or they are in debt forever." Do you agree? Nope! This financial advisor pro...
by anon_investor
Fri Apr 09, 2021 9:47 pm
Forum: Personal Investments
Topic: Quick Questions on I-Bonds
Replies: 5
Views: 1024

Re: Quick Questions on I-Bonds

Hello, When does the US Gov. announce the new rates on Ibonds? I know they are posted in May/November, but I have heard you can either figure out the level or gain insight by mid April. How do you experts on I-bonds do this? Thanks, Ben Hi Ben, two key dates are coming up: April 13, at 8:30 a.m. ED...
by anon_investor
Fri Apr 09, 2021 9:45 pm
Forum: Investing - Theory, News & General
Topic: new Vanguard Ultra-Short Bond ETF
Replies: 50
Views: 5388

Re: new Vanguard Ultra-Short Bond ETF

Random Musings wrote: Fri Apr 09, 2021 9:19 pm This announcement of this new product inspired me to buy some Ibonds on Treasury Direct today.

Maybe I'll buy some 6 or 9 month CD's too.

RM
I love I Bonds. I plan to buy my annual allotment next month.
by anon_investor
Fri Apr 09, 2021 8:58 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 83
Views: 6516

Re: Mixing Bogle and Ramsey to build my portfolio

I do not think the investment philosophies of Jack Bogle and Dave Ramsey are compatable at all. One is about low cost, simplicity and passive index investing (Bogle), and one is about performance chasing, and active management with high expense ratios and front end loads and kickbacks (Ramsey). Just...