Search found 239 matches

by jhogue
Wed Aug 02, 2017 9:38 am
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

-Inflation-protection for 30 years/ rate resets 60 times (no CD has that) Why the assumption that a rate reset is always in your favor? Inflation has only ticked up .47% in the last 3 months. If that continues the the ibond rate reset coming up may be half of my cd rate. And if deflation hits you c...
by jhogue
Sun Jul 30, 2017 8:15 pm
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

-Inflation-protection for 30 years/ rate resets 60 times (no CD has that) Why the assumption that a rate reset is always in your favor? Inflation has only ticked up .47% in the last 3 months. If that continues the the ibond rate reset coming up may be half of my cd rate. And if deflation hits you c...
by jhogue
Sat Jul 29, 2017 11:20 am
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

Sophie & jhogue, Sorry if my last post came off as snarky or snotty; that was not my intention. I love and respect most everyone here! Was just looking for an answer / trying to make my point. Pugchief, No offense taken. In fact, I welcome your sharp questioning of my argument. If I can convince yo...
by jhogue
Fri Jul 28, 2017 10:27 am
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

Beyond their underlying suitability for PP Cash, the appeal of I bonds to me is their unbeatable combination of 30 year tax deferral PLUS 30 year inflation protection PLUS 30 year compounding. OVER TIME—and that is always what investment is about-- the CD investor will turn into the hare sprinting a...
by jhogue
Thu Jul 27, 2017 7:09 am
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

Sophie & jhogue, Sorry if my last post came off as snarky or snotty; that was not my intention. I love and respect most everyone here! Was just looking for an answer / trying to make my point. Pugchief, No offense taken. In fact, I welcome your sharp questioning of my argument. If I can convince yo...
by jhogue
Wed Jul 26, 2017 9:29 pm
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

Treasury has a limit on how many you can buy: $10,000 per SSN + $5,000 with your annual tax return. You can however get an additional $10,000 in a trust. Sorry, for hijacking this conversation off at a tangent, but the above caught my eye. My wife and I each have personal TD account sand buy I-bond...
by jhogue
Wed Jul 26, 2017 9:46 am
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

I don’t quite understand why Desert (and you Pugchief) seem to regard a comparison of an I bond to a 1 year CD for PP cash to be “not relevant” or “ridiculous.” Why is that? So, here are my calculations for a contest between a 5 year CD (“typically the sweet spot” according to Desert’s post) and a s...
by jhogue
Tue Jul 25, 2017 8:29 pm
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

Dearest Pugchief: Of course I bonds are for sale right now! You can buy them 24/7/365 at Treasury Direct. You used to be able to buy I bonds over the counter at FDIC-insured banks like WaMu and TBTF mega bank JP Morgan Chase, both of which I gather you have some passing familiarity. WaMu also offere...
by jhogue
Tue Jul 25, 2017 7:58 pm
Forum: Permanent Portfolio Discussion
Topic: Asset Allocation Ideas when you have a Mortgage
Replies: 16
Views: 5717

Re: Asset Allocation Ideas when you have a Mortgage

It's probably easiest & safest to consider your home a consumption item rather than an investment. +1 And to the extent that I track my home equity in my overall net worth, I don't bother trying to wedge it into the PP framework. I'm just happy to have another non-financial store of wealth that I c...
by jhogue
Tue Jul 25, 2017 6:34 pm
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

While we are on the topic of I Bonds, I have a general question. It seems most posters here are of the opinion that the Treasury will never outright default on their bonds, but will instead opt to pseudo-default by inflation. If one believes that then part of that scheme would have to be the under ...
by jhogue
Tue Jul 25, 2017 5:40 pm
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

While we are on the topic of I Bonds, I have a general question. It seems most posters here are of the opinion that the Treasury will never outright default on their bonds, but will instead opt to pseudo-default by inflation. If one believes that then part of that scheme would have to be the under ...
by jhogue
Mon Jul 24, 2017 12:02 pm
Forum: Cash
Topic: All America Bank 1.5%
Replies: 89
Views: 23274

Re: All America Bank 1.5%

Dear Pugchief, Eureka! You said, ”As you noted however, this wasn't an investment account but small business checking, and last I checked, Treasury Direct does not offer a T-bill secured account for said purposes. So I really didn't have too many options.” (7/20/17) and , “Also will again point out ...