Search found 728 matches

by MishkaWorries
Tue Apr 13, 2021 1:00 pm
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 192
Views: 22233

Re: 2021 I Bonds: what's your plan?

But given my portfolio, and interest in treasuries, do you all think I-bonds are my best bet? I have never invested in I-Bonds. I must admit i did not even know they existed until i read about them on Bogleheads. I have over 150K earning .5% in a savings account. I have a lot of exposure to stock m...
by MishkaWorries
Tue Apr 13, 2021 12:56 pm
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 192
Views: 22233

Re: 2021 I Bonds: what's your plan?

Do you file MFJ? If so, you can only buy $10,000 per person and get $5,000 in paper bonds per tax return. There are ways to buy I-bonds via trusts or other entities if you want to buy more than $25,000 per year. And don't be so confident you'll get to open an TD account so easily. I opened mine and...
by MishkaWorries
Tue Apr 13, 2021 12:13 pm
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 192
Views: 22233

Re: 2021 I Bonds: what's your plan?

I have never invested in I-Bonds. I must admit i did not even know they existed until i read about them on Bogleheads. I have over 150K earning .5% in a savings account. I have a lot of exposure to stock market already and and my risk propensity is low. Is this my best bet? I not only want a higher...
by MishkaWorries
Tue Apr 13, 2021 9:17 am
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 192
Views: 22233

Re: 2021 I Bonds: what's your plan?

I just posted my update, and based on my data, the new inflation-adjusted rate for I Bonds will be 3.54% (annualized) for six months. https://tipswatch.com/2021/04/13/a-stunner-i-bonds-inflation-adjusted-variable-rate-will-surge-to-3-54-in-may/ Check my data, please! The six-month inflation rate wa...
by MishkaWorries
Tue Apr 13, 2021 8:37 am
Forum: Personal Investments
Topic: Do brokers close accounts of angry customers?
Replies: 32
Views: 2634

Re: Do brokers close accounts of angry customers?

I can't recall getting really angry at a brokerage rep, but I've gotten angry at other customer service types. Over the years I've tried to modify my approach such that: 1. If it is a dumb policy I acknowledge that the employee did not make the dumb rule. 2. If the customer service rep seems less c...
by MishkaWorries
Mon Apr 12, 2021 10:00 pm
Forum: Personal Investments
Topic: Emergency (oh my God fund)
Replies: 44
Views: 4187

Re: Emergency (oh my God fund)

So for someone in mid 40's who has the majority of assets in Tax deferred or in the house. Perhaps 1 year in CD and 3 months in checking is sufficient. How many earners in the family? One paycheck needs bigger ER. How stable job? Government worker probably needs no more than 6 months since the chan...
by MishkaWorries
Mon Apr 12, 2021 3:21 pm
Forum: Investing - Theory, News & General
Topic: [Is it a good time to buy I bonds?]
Replies: 63
Views: 673

Re: I Bonds

Tomorrow is the big day and we should be able to tell what they next I Bond rate will be when the CPI announcement is made: Reference Month Release Date Release Time March 2021 Apr. 13, 2021 08:30 AM https://www.bls.gov/schedule/news_release/cpi.htm Any guesses? TipsWatch is guessing 2.5-2 8. I kno...
by MishkaWorries
Mon Apr 12, 2021 2:49 pm
Forum: Investing - Theory, News & General
Topic: [Is it a good time to buy I bonds?]
Replies: 63
Views: 673

Re: I Bonds

Tomorrow is the big day and we should be able to tell what they next I Bond rate will be when the CPI announcement is made: Reference Month Release Date Release Time March 2021 Apr. 13, 2021 08:30 AM https://www.bls.gov/schedule/news_release/cpi.htm Any guesses? TipsWatch is guessing 2.5-2 8.
by MishkaWorries
Mon Apr 12, 2021 10:34 am
Forum: Personal Consumer Issues
Topic: Planning to travel to New York.
Replies: 18
Views: 1513

Re: Planning to travel to New York.

I'd make sure I have refundable plane and hotel expenses. NYC's COVID rates aren't falling like most places. The rates are stable at a high rate. If the rates increase again, I wouldn't be surprised to see the city impose new restrictions.

Maybe better to just plan to go to Texas or Florida.
by MishkaWorries
Sun Apr 11, 2021 10:10 pm
Forum: Investing - Theory, News & General
Topic: new Vanguard Ultra-Short Bond ETF
Replies: 58
Views: 6287

Re: Vanguard plans to add Ultra-Short Bond ETF to lineup

I know, I know, the Fed is going to keep interest rates low forever. But there is some real principal risk on this fund - not stock-like, but certainly not money market fund-like. Well, since you mention it... What’s the scenario for, say, a 1% rate increase? Everyone gets vaccinated and rushes out...
by MishkaWorries
Sat Apr 10, 2021 12:08 pm
Forum: Personal Investments
Topic: Consolidate Fidelity to Vanguard or not
Replies: 33
Views: 2449

Re: Consolidate Fidelity to Vanguard or not

I asked Fidelity to link up my external bank account on Monday and it is still pending... they said it will be done on Monday which would be a week, is that a normal time frame to just link a bank account? by the time the money is transferred to my checking and then I put in the order at Vanguard m...
by MishkaWorries
Sat Apr 10, 2021 9:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14378
Views: 1108682

Re: U.S. stocks continue to soar!

It's different than I've seen the phrase used in the past (an accelerating rise that may be a precursor to a crash), but whatever floats your truck boat. :beer Melt up is apparently now just a run of the mill, not even particularly high, up closing. So we'll need a new term for a real melt up. I'm ...
by MishkaWorries
Sat Apr 10, 2021 8:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14378
Views: 1108682

Re: U.S. stocks continue to soar!

S&P rose by 22 points in the last trading hour of a no news Friday. I’m fine with calling that a “melt up”. It's different than I've seen the phrase used in the past (an accelerating rise that may be a precursor to a crash), but whatever floats your truck boat. :beer Melt up is apparently now j...
by MishkaWorries
Sat Apr 10, 2021 7:49 am
Forum: Personal Investments
Topic: Overpaying taxes for I Bonds (when are they credited?)
Replies: 4
Views: 564

Re: Overpaying taxes for I Bonds (when are they credited?)

They're credited when the IRS processes your return and approves your refund. This is a variable timeframe, but typically within 2 weeks of filling. I-Bonds are deemed opened on the first day of the month in each they were purchased. For example, if OP filed his taxes today and the IRS processed hi...
by MishkaWorries
Fri Apr 09, 2021 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Using equity in primary home to invest in multiple investment properties
Replies: 30
Views: 2043

Re: Using equity in primary home to invest in multiple investment properties

Marseille07 wrote: Fri Apr 09, 2021 11:03 pm Someone I used to work with did this and they got wealthy very quickly.

I know it's super risky and they walked a tightrope, but the payoff was also great for them.
That is very true. In real estate you can get rich quick or slow. We preferred slow.
by MishkaWorries
Fri Apr 09, 2021 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Using equity in primary home to invest in multiple investment properties
Replies: 30
Views: 2043

Re: Using equity in primary home to invest in multiple investment properties

This is not something I'd consider doing. My house is where I live and an important asset that I take care of (and have paid off.) Never, ever risk your home on rental properties or small business. We bought many rental properties over the years but never used our home as collateral. My sister and ...
by MishkaWorries
Fri Apr 09, 2021 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Using equity in primary home to invest in multiple investment properties
Replies: 30
Views: 2043

Re: Using equity in primary home to invest in multiple investment properties

This is not something I'd consider doing. My house is where I live and an important asset that I take care of (and have paid off.) Never, ever risk your home on rental properties or small business. We bought many rental properties over the years but never used our home as collateral. My sister and ...
by MishkaWorries
Fri Apr 09, 2021 10:46 pm
Forum: Personal Investments
Topic: Protect savings from imminent inflation?
Replies: 29
Views: 2929

Re: Protect savings from imminent inflation?

drk wrote: Fri Apr 09, 2021 10:31 pm Global equities, TIPS, cash, and fixed-rate debt.

Bitcoin? Needs data.

Gold? Despite the folklore, it doesn't work.
First buy the maximum allowed amount of I-bonds. That's the best inflation (and deflation) hedge right now. Turn cash into short-term treasuries.
by MishkaWorries
Fri Apr 09, 2021 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 81
Views: 4267

Re: Tax bill split between spouses

thanks a lot for the suggestions... we settled already... Her tax bill was 13K (+1K more that withheld) Mine was the rest ~ 140K Interesting. What method did you use to calculate who owed what? Roughly the seperate calculation as MFS. And then split the savings from MFJ in ratio of income.. I think...
by MishkaWorries
Fri Apr 09, 2021 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 81
Views: 4267

Re: Tax bill split between spouses

DreamsOfRetiring wrote: Fri Apr 09, 2021 5:25 pm thanks a lot for the suggestions... we settled already...

Her tax bill was 13K (+1K more that withheld)
Mine was the rest ~ 140K
Interesting. What method did you use to calculate who owed what?
by MishkaWorries
Fri Apr 09, 2021 3:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14378
Views: 1108682

Re: U.S. stocks continue to soar!

Hyperchicken wrote: Fri Apr 09, 2021 12:39 pm Man, that starts looking too easy.

Now what, cheer for 4,200?
The Elliott wave / fibonacci guys have been saying 4200 for months. I don't follow that but I remember hearing it because it sounded so crazy. But now I'm watching in fascination.
by MishkaWorries
Fri Apr 09, 2021 1:34 pm
Forum: Personal Investments
Topic: Quick Questions on I-Bonds
Replies: 5
Views: 1038

Re: Quick Questions on I-Bonds

Keep an eye on https://tipswatch.com/ they'll post an update when the inflation numbers come out.
by MishkaWorries
Fri Apr 09, 2021 11:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14378
Views: 1108682

Re: U.S. stocks continue to soar!

peppers wrote: Fri Apr 09, 2021 11:32 am I'll play

(clears throat)

Woe unto ye, followers of the S&P
The muzzled roar you hear are the minions of the Great Bear, ready to do his bidding
Ask for no quarter...none will be given

Ok does that work?
*shivers"
by MishkaWorries
Thu Apr 08, 2021 8:10 pm
Forum: Personal Investments
Topic: Just spoke w FA at VG [Financial Advisor at Vanguard]
Replies: 14
Views: 1306

Re: Just spoke w FA at VG

Vanguard's Total World ETF (VT) has about 40% international by market cap. Their recommendation is almost 50% foreign stocks. That would be a slight tilt to international.

I have 25% of my equities in international.bim fine with that.
by MishkaWorries
Thu Apr 08, 2021 7:56 pm
Forum: Investing - Theory, News & General
Topic: Why do Vanguard Target Date funds have such high tracking error?
Replies: 15
Views: 2030

Re: Why do Vanguard Target Date funds have such high tracking error?

Looking over the various Vanguard target date funds I am seeing tracking error around 30bp+ over most time periods presented. These funds have expense ratios between 12bp - 15bp so a fair amount of the benchmark divergence is not due to the ER. For example, Vanguard Target Retirement 2060 Fund (VTT...
by MishkaWorries
Thu Apr 08, 2021 7:49 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270806

Re: Finally cracked 100k in retirement accounts!

A really good job saving :beer
by MishkaWorries
Thu Apr 08, 2021 1:29 pm
Forum: Personal Consumer Issues
Topic: New or Used: car purchase
Replies: 17
Views: 1273

Re: New or Used: car purchase

We buy new and drive them for 10+ years. But we're mostly buying Toyota type cars that don't have much depreciation in the first few years. I also know that my new car has been properly maintained. I'd suggest you guys get a new or used 4x4 jeep. I don't know if there any good deals on used jeeps so...
by MishkaWorries
Wed Apr 07, 2021 2:35 pm
Forum: Personal Consumer Issues
Topic: Pool Walking Shoe?
Replies: 8
Views: 742

Re: Pool Walking Shoe?

We use water shoes for pool aerobic classes and walking on rocky beaches. I don't have a brand preference but there are three things I look for. 1. The inner sole has to be sewn down; 2. Slip on but with adjustable straps; 3. Good drainage that also lets sand and small rocks out and 4. Good no slip ...
by MishkaWorries
Wed Apr 07, 2021 10:47 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 255
Views: 18212

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

watchnerd wrote: Wed Apr 07, 2021 10:21 am
MishkaWorries wrote: Wed Apr 07, 2021 9:02 am I'm in shock someone would waste $500 on a round of golf and $200 on a dinner.
I once spent $1500 on a dinner with the only diner being myself.
Now you're just trolling me :twisted:
by MishkaWorries
Wed Apr 07, 2021 10:46 am
Forum: Personal Investments
Topic: How should I invest cash just sitting in the bank?
Replies: 27
Views: 4039

Re: How should I invest cash just sitting in the bank?

I struggled with the same problem when I first started investing in 2012. I had just transferred everything to Vanguard and got my Roth IRA started, but was very hesitant about making Taxable investments due to what the market was doing. Here's what it looked like in the spring of 2012: https://i.p...
by MishkaWorries
Wed Apr 07, 2021 9:26 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 255
Views: 18212

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

I'm in shock someone would waste $500 on a round of golf and $200 on a dinner. Please understand that this is on very special occasions....maybe once a year if that. But someone with a low income who buys a newer vehicle is just burning their money away. I have no gripe if people have the money.......
by MishkaWorries
Wed Apr 07, 2021 9:02 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 255
Views: 18212

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

I'm in shock someone would waste $500 on a round of golf and $200 on a dinner.
by MishkaWorries
Tue Apr 06, 2021 3:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14378
Views: 1108682

Re: U.S. stocks continue to soar!

I backed the truck up on Friday! I bought $400.00 of S&P 500 in my retirement account as part of my biweekly savings. Market was closed Friday. Maybe they bought on Thursday. Interesting point. I never bothered to look when they buy the stocks. If you placed the orders on Friday then I don't se...
by MishkaWorries
Tue Apr 06, 2021 11:51 am
Forum: Personal Investments
Topic: Any 3 fund portfolio folks hedging on Total Bond?
Replies: 8
Views: 802

Re: Any 3 fund portfolio folks hedging on Total Bond?

I guess I am. My newish 457(b) has a stable value fund paying 4%. All new tax advantaged fixed income has been going there since I opened the account. I then sell total bond in my employer's 401K type account and buy S&P500 to keep my AA in balance. We are keeping our 6 months emergency fund at ...
by MishkaWorries
Mon Apr 05, 2021 9:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14378
Views: 1108682

Re: U.S. stocks continue to soar!

For a buy and hold community, there sure is a lot of trading going on here. Why is that? I backed the truck up on Friday! I bought $400.00 of S&P 500 in my retirement account as part of my biweekly savings. Market was closed Friday. Maybe they bought on Thursday. Interesting point. I never both...
by MishkaWorries
Mon Apr 05, 2021 9:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14378
Views: 1108682

Re: U.S. stocks continue to soar!

For a buy and hold community, there sure is a lot of trading going on here. Why is that? I backed the truck up on Friday! I bought $400.00 of S&P 500 in my retirement account as part of my biweekly savings. Market was closed Friday. Maybe they bought on Thursday. Interesting point. I never both...
by MishkaWorries
Mon Apr 05, 2021 9:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14378
Views: 1108682

Re: U.S. stocks continue to soar!

Third Son wrote: Mon Apr 05, 2021 4:01 pm For a buy and hold community, there sure is a lot of trading going on here. Why is that?
I backed the truck up on Friday!

I bought $400.00 of S&P 500 in my retirement account as part of my biweekly savings.
by MishkaWorries
Mon Apr 05, 2021 10:11 am
Forum: Investing - Theory, News & General
Topic: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets
Replies: 28
Views: 3420

Re: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets

What if some yahoo from Blackrock starts throwing his weight around and demanding the corporations in his fund hire executives that "look like America" or refuse to provide medical equipment to abortion facilities? https://boardmember.com/boards-shouldnt-ignore-blackrocks-take-on-esg-dive...
by MishkaWorries
Mon Apr 05, 2021 8:24 am
Forum: Investing - Theory, News & General
Topic: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets
Replies: 28
Views: 3420

Re: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets

Badly run companies, indolent boards, excessive CEO compensation packages to loss making enterprises, Funds needs to speak on my behalf because the Fund is investing my money. This is going to become a more relevant issue as Funds become the largest shareholders of many corporations. The problem I ...
by MishkaWorries
Mon Apr 05, 2021 8:22 am
Forum: Investing - Theory, News & General
Topic: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets
Replies: 28
Views: 3420

Re: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets

I'm an Index investor. 401k is only on low fees index funds. One complain I have is that Index Funds do not advance or advocate for the interest of the inverstor. Funds need to become more vocal about exercising their fiduciary responsibilities. Badly run companies, indolent boards, excessive CEO c...
by MishkaWorries
Mon Apr 05, 2021 8:15 am
Forum: Investing - Theory, News & General
Topic: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets
Replies: 28
Views: 3420

Re: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets

First of all, it's the Atlantic. It's a hodgepodge of quotes to create anxiety porn.

Think for a moment. What are the chances that there will be no active traders doing price discovery. It's just a stupid argument.
by MishkaWorries
Sun Apr 04, 2021 5:37 pm
Forum: Personal Investments
Topic: Any experience with Toyota Income Driver Notes?
Replies: 98
Views: 12297

Re: Any experience with Toyota Income Driver Notes?

Does opening an account result in a hit to one’s credit score? Not to mine. Of course, YMMV. Do you know if it’s considered a soft credit pull or hard pull? I have free credit monitoring from a hack. I get instant update when my credit is checked. I'm not sure if they report a soft credit check. I ...
by MishkaWorries
Sun Apr 04, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: My Next Car: Tesla S vs BMW 540iX
Replies: 25
Views: 2921

Re: My Next Car: Tesla S vs BMW 540iX

If you want a blend and no immediate rush to get it, check out BMW i4. All electric and likely better fit/finish than Tesla. I have a few years left on my car, but am watching the new and developing EVs closely. As for exactly between those two, I would agree with driving and sitting in both. I did...
by MishkaWorries
Sun Apr 04, 2021 3:56 pm
Forum: Personal Investments
Topic: Sell SPY for VOO Lower ER after One Year - Capital Gains
Replies: 9
Views: 782

Re: Sell SPY for VOO Lower ER after One Year - Capital Gains

I mistakenly bought shares of SPY almost a year ago not realizing it has a higher ER than VOO in my brokerage account. I also chose to automatically reinvested dividends. This was money put in there for a longer time frame (at least another 6-7 years maybe more). This isn't a lot of money but this ...
by MishkaWorries
Sun Apr 04, 2021 10:16 am
Forum: Investing - Theory, News & General
Topic: Incredible stock market gains the past year - probably due for a major pullback
Replies: 89
Views: 10811

Re: Incredible stock market gains the past year - probably due for a major pullback

2018 wasn't a major crash in my book. It was barely a 20% pullback, right? Yeah I don't count 2020 as a normal "correction" either. It was was such a sharp event and driven by highly unusual circumstances. It hardly shook out the risk takers... But none of this is really actionable anyway...
by MishkaWorries
Sun Apr 04, 2021 10:03 am
Forum: Personal Investments
Topic: Best all-in-one, set it and forget portfolio?
Replies: 36
Views: 3141

Re: Best all-in-one, set it and forget portfolio?

I really like Schwab's index target date funds. They have an extremely low 0.08 ER. I like the glide path they use. Vanguard juices their target date fund returns by keep equity position way too high in later years. Schwab has passive, low fee index funds and actively managed higher fee funds. The n...
by MishkaWorries
Sun Apr 04, 2021 9:26 am
Forum: Investing - Theory, News & General
Topic: Incredible stock market gains the past year - probably due for a major pullback
Replies: 89
Views: 10811

Re: Incredible stock market gains the past year - probably due for a major pullback

We just had a correction a year ago. That isn't very long ago in the scheme of things. And one in 12/2018. I have no idea what that means. Are we due for a V shaped crash every year or so? Does it mean the market prices are pretty accurate? I hate the market. It feels like it is 1999 or worse again...
by MishkaWorries
Sun Apr 04, 2021 9:22 am
Forum: Personal Consumer Issues
Topic: Best Password Protection Method?
Replies: 15
Views: 1363

Re: Best Password Protection Method?

We just started to use Bit Warden. It's free and my wife and I can use it together. So far I like it but it only been a month or so.

Many other threads in the past you may want to peruse.
by MishkaWorries
Sat Apr 03, 2021 10:41 am
Forum: Personal Investments
Topic: Advice on what to do with a "windfall" at age 55
Replies: 19
Views: 3434

Re: Advice on what to do with a "windfall" at age 55

You might want to start a seperate thread with a title of something like, "Retirement plan options with one employee?" That might get better responses from people who know a lot about this. Be sure to mention how your business is incorporated. I just wanted to highlight this one piece of ...