Search found 1498 matches

by barrett
Fri Nov 09, 2018 1:21 pm
Forum: Cash
Topic: New I Bond Rate 11/1/18 to 4/30/18
Replies: 27
Views: 1023

Re: New I Bond Rate 11/1/18 to 4/30/18

I say focus on Roth converting to reduce those RMDs, and don't worry so much about the I bonds. 401K withdrawals are the real poison for you, since 100% of the withdrawal incurs ordinary income tax. I kinda agree with Kbg and others who have said they expect both federal and state tax rates to go u...
by barrett
Wed Nov 07, 2018 10:38 am
Forum: Cash
Topic: New I Bond Rate 11/1/18 to 4/30/18
Replies: 27
Views: 1023

Re: New I Bond Rate 11/1/18 to 4/30/18

Because of how many savings bonds I have (relative to other assets, that is) I have come to think of my EE and I-Bonds as sort of separate from my core PP-inspired holdings... almost a different asset class. At age 60 and pretty much retired, I am planning to hold off until age 70 to take SS benefit...
by barrett
Fri Oct 26, 2018 4:43 pm
Forum: Gold
Topic: The GOLD scream room
Replies: 2177
Views: 318644

Re: The GOLD scream room

Somebody else posted recently to say that, if you are the type of person who likes to watch the stock market a lot, then there are probably much better strategies that you could be using than the PP -- things like dual momentum, etc. The PP is great for people who get busy with life and may not loo...
by barrett
Wed Oct 24, 2018 4:59 pm
Forum: Permanent Portfolio Discussion
Topic: Cash has exceeded my rebalance band, but....?
Replies: 20
Views: 1229

Re: Cash has exceeded my rebalance band, but....?

Cash in my PP, due to additions from 401k, and dropping of all other assets, has hit 140% of target (14.1% vs. 10% target). I already am not technically following the true PP with a lower cash allocation, obviously. I am now faced with a choice. Do I rebalance now, because of the cash band and stay...
by barrett
Sat Oct 20, 2018 10:26 am
Forum: Permanent Portfolio Discussion
Topic: There seems to be an advantage to Roth conversion now until 12/31/2025
Replies: 90
Views: 9328

Re: There seems to be an advantage to Roth conversion now until 12/31/2025

The closer I look, the more I think we will be in the 33% bracket (barely) in 8-10 years, what with RMDs and SS. My wife and I both agree that we would bet on the rates going back up. Why not retire early then? Start living on your taxable savings and start your Roth conversions now in a much lower...
by barrett
Tue Oct 16, 2018 3:08 pm
Forum: Cash
Topic: Cash is King!
Replies: 12
Views: 1908

Re: Cash is King!

And if you're worried about inflation, even Vanguard's Treasury money market is not a bad deal, provided you can meet the minimum. I have my core cash there. dualstow, can you tell me what the expense ratio is on that Vanguard fund? Was reading up on a similar fund at Fido but it seemed expensive. ...
by barrett
Tue Oct 16, 2018 12:56 pm
Forum: Cash
Topic: Cash is King!
Replies: 12
Views: 1908

Re: Cash is King!

I have a 5 year CD coming due that paid me 2% interest. Where would be a good place to roll this into right now? How about 2-year treasury notes. Check out the treasury yield curve here: https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yield I've ju...
by barrett
Thu Oct 04, 2018 5:36 am
Forum: Bonds
Topic: The Bond Dream Room
Replies: 338
Views: 58149

Re: The Bond Dream Room

Just jumping in to say that not all recessions are deflationary. One can't necessarily count on bond yields going down (and prices going up) uniformly across a recessionary cycle.
by barrett
Sat Sep 29, 2018 12:53 pm
Forum: Bonds
Topic: Reinvesting ETF Dividends
Replies: 4
Views: 470

Re: Reinvesting ETF Dividends

When you reinvest dividends in a mutual fund, you pay the closing price on the date of the distribution. How does that work for reinvesting ETF dividends? I think this link from Investopedia will help: https://www.investopedia.com/articles/investing/112415/how-reinvest-dividends-etfs.asp The whole ...
by barrett
Wed Sep 19, 2018 1:41 pm
Forum: Other Discussions
Topic: Kavanaugh
Replies: 232
Views: 9019

Re: Kavanaugh

I'd like to ask one hypothetical question. Let's assume her claim is beyond a doubt proven true. That he did force his body on her, and put his hand over her mouth to prevent screaming from being heard, and was rip-roaring drunk. When he was 17, 30+ years ago. Who thinks that is disqualifying vs. n...
by barrett
Wed Sep 19, 2018 1:30 pm
Forum: Cash
Topic: Obtain List of My Savings Bonds (EE/I) Outstanding?
Replies: 8
Views: 699

Re: Obtain List of My Savings Bonds (EE/I) Outstanding?

I see, thanks. I've often wondered what the total dollar amount is on all outstanding savings bonds. And with the 20 year doubling guarantee on EE Bonds, I would think the government would want to make the individual annual purchasing limits higher. The implicit message is "Don't ask for your money ...
by barrett
Wed Sep 19, 2018 8:28 am
Forum: Cash
Topic: Obtain List of My Savings Bonds (EE/I) Outstanding?
Replies: 8
Views: 699

Re: Obtain List of My Savings Bonds (EE/I) Outstanding?

I will be watching the yield curve and interest rates carefully before the 11/1/18 reset. I think it quite possible that the Treasury will revise the fixed and/or variable I bond rate. Possibly the EE bond rate too, but that seems less likely at the moment. The CPI-U data for February - August woul...